Speed Checkouts and Improve Security with Integrated Payments
Eliminate entry errors, manual reconciliation and employee theft with semi-integrated payments
How integrated payments can improve your operations
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Free OpenEdge Decline Minimizer service automatically updates expired and outdated card information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
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
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:
Global Payments Integrated (formerly known as OpenEdge or X-Charge) 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. Global Payments is one of the largest core payment processors in the world, To learn more about integrated payments with Global Payments Integrated, please click here.
Supported EMV Terminals – MicroBiz for Windows
MicroBiz supports the following payment terminals for semi-integrated EMV processing:
Ingenico Lane 3000
Compact terminal with optional stand. The Ingenico Lane 3000 supports magnetic stripe, EMV chip and contactless payments. Features a built-in 2.8” backlit color display that can be used for finger and stylus signature capture. Also includes 15 key raised pin pad, magnetic stripe reader and chip card reader. Wired and wireless connections (ethernet, WiFi and blue tooth). PCI PTS v5.x Certified.
Compatible with: OpenEdge/Global Payments Integrated
Ingenico Lane 5000
Multilane terminal with optional stand. The Ingenico Lane 5000 supports magnetic stripe, EMV chip and contactless payments. Features a built-in 3.5” backlit color display that can be used for finger and stylus signature capture. Also includes 15 key raised pin pad, magnetic stripe reader and chip card reader. Wired and wireless connections (ethernet, WiFi and blue tooth). PCI PTS v5.x Certified.
Compatible with: OpenEdge/Global Payments Integrated
Note: Starting with MicroBiz for Windows version 16.1, Global Payments Integrated’s 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.
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.
Please call MicroBiz sales at (702) 749-5353 (option 2 for sales) or press the Contact Us button.