Integrated Payments

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

MicroBiz for Windows Integrated Payments Partner

Save time and be more secure with semi-integrated payment processing with MicroBiz for Windows. We offer the following preferred EMV compliant semi-integrated payment option:

OpenEdge Payment serves in excess of 100,000 businesses in more than 60 industries, offering payment processing services and payments-related technology to help your operation thrive. OpenEdge is the integrated payments subsidiary of Global Payments, one of the largest core payment processors in the world.  To learn more about integrated payments with OpenEdge, please visit https://openedgepayments.com/microbiz/.

How Semi-Integrated Payments With OpenEdge Can Improve Your Operations

Reduce Errors

Electronically transfers transaction totals from your POS MicroBiz system to a semi-integrated payment terminal

Keep Payment Cards on File

OpenEdge can securely store customer payment cards behind its firewall and send a token for use with card not present billing in MicroBiz

Lower Fraud Exposure

Customers swipe, dip or wave payment cards directly with a semi-integrated payment terminal.  Employees do not handle customer cards

Speed-Up Check Out Process

Eliminates the time employees spend manually entering payment amount and authorization data from one system to another

Auto Update of Lost & Expired Cards

Free OpenEdge Decline Minimizer service automatically updates expired and outdated card information

Capture Signatures Electronically

Ability for semi-integrated payment terminal to capture, store and attach electronic signatures to receipts, statements and invoices

Simplify Reconciliations

Makes it easier to verify authorization data and reconcile POS payment statements to financial statements

Offer Integrated Gift Cards

Increase sales by offering gift cards with card-based loyalty programs and real-time transaction processing

Reduce Exposure to PCI Breaches

OpenEdge is a QIR Certified Processor, so you can be sure that all exchanges of payment data are secure and PCI and EMV compliant

Supported EMV Terminals

MicroBiz supports the following payment terminals for semi-integrated EMV processing:

Ingenico iPP320

The Ingenico iPP320 is a smaller form factor payment terminal supporting contactless, magnetic stripe and EMV chip smart cards. Features a LCD screen and built-in keypad. Compatible with: OpenEdge

Ingenico iSC 250

The Ingenico iSC Touch 250 terminal is mid-sized terminal supporting contactless, e-signature, magnetic stripe and chip & signature. Features a built-in pin pad, color LCD screen that can be used for electronic signature capture as well as a customer facing display with MicroBiz for Windows. Compatible with: OpenEdge

Note: Starting with MicroBiz for Windows version 16.1, the OpenEdge gateway is used to support semi-integrated payments, replacing the X-Charge gateway.  If you would like to use all the available integrated payments features (card vault, decline minimizer, gift cards), you must have both the OpenEdge payment gateway and MicroBiz for Windows version 16.1 (or later) installed on your computer.  If you do not have MicroBiz version 16.1 (or later) installed, you will need to upgrade your MicroBiz for Windows software. MicroBiz upgrades are free for MicroBiz users currently on a support plan. To purchase a support plan, please contact MicroBiz sales at (702) 749-5353 (option 2 for sales) or click here.

Non-Integrated Payment Options

If you do not need integrated payments, you can use MicroBiz for Windows on a non-integrated basis with any payment processor of your choice. Simply purchase a stand-alone terminal and enter the tender amount manually.

Frequently Asked Questions

 

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.

More Questions?

Please call MicroBiz sales at (702) 749-5353 (option 2 for sales) or press the Contact Us button.