Speed Checkouts and Improve Security with Integrated Payments

Eliminate entry errors, manual reconciliation and employee theft with semi-integrated payments

FAQs

Q. What is ‘semi-integrated’ payment processing?

A. Semi-integration is a measure that ensures separation between payment information transmission and other systems, such as a POS software application. The key benefit of a semi-integrated configuration is that no sensitive card account data is sent from the payment terminal to the POS application.  The customer interacts solely with the terminal to make payment, and the terminal manages all communication between the terminal and the payment processor.  As a result, the merchant does not need to touch the customer’s payment card.  Once the transaction is processed using the payment terminal, only non-confidential receipt/authorization data is returned from the payment terminal to the POS application.

Q. What are the fees for credit card processing?

A. MicroBiz is not a credit card processor, so any fees and rates will be part of the discussion with OpenEdge. We do not require a third party payment gateway when you use OpenEdge with MicroBiz for Windows, so there are no additional processing or payment gateway fees.

Q. Can I use my existing payment processing hardware?

A. EMV standards for integrated processing require a credit card terminal with a chip reader that is both: (1) certified with your payment processor, and (2) supported by your POS software provider. So unless you have a terminal supported by both OpenEdge and MicroBiz, you will likely need to buy a new EMV credit card terminal. Traditional credit card swipes are not EMV compliant, and are no longer supported by MicroBiz on a semi-integrated basis. Please contact MicroBiz Sales for more information.

Q. Can I use MicroBiz with a standalone credit card terminal?

A. Yes, you can use a standalone credit card processing terminal with MicroBiz. Processing confirmation information can be manually entered into the POS transaction record.

Q. Is MicroBiz for Windows PCI compliant?

A. Using MicroBiz with semi-integrated payments will keep you out of scope of any PCI compliance requirements.  All the communication containing sensitive card information is transmitted only between the secure payment terminal managed by the payment processor and the payment processor’s secure servers.  These communications are not transmitted by or through the MicroBiz application.  Payment card data is only captured and transmitted by the payment terminal that you purchase separately from your selected payment processor.  No payment card information is ever read, transmitted or retained by MicroBiz.   Therefore you will not be subject to expensive and time consuming PCI certifications because of the MicroBiz POS application.

Q. Does MicroBiz share any Personal Identifiable Information (PII) with its processing partners?

A.  MicroBiz does not send or exchange PII (Personal Identifiable Information) of a merchant’s customers with its processing partners.   The communications with processing partners during a semi-integrated payment card transaction is generally limited the transaction amount and a prompt message sent to the payment terminal and a secure ‘token’ containing the transaction authorization data captured back from the terminal. This token does not contain any customer PII data.   If a merchant user wants to capture a signature electronically, MicroBiz does have the ability to separately prompt the payment terminal after the transaction has been authorized to collect an electronic signature as a Bit file.  This file is collected by MicroBiz and is not shared with the processor by MicroBiz.

Q. Do I need integrated payments to electronically capture signatures?

A. While electronic signature capture works best using a semi-integrated payment terminal, you also have the option to capture signatures using a supported Topaz signature capture device while processing payments using standalone payment terminals.  MicroBiz can be configured to display these electronic signatures captures on the Topaz device on printed and emailed customer statements and invoices.