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Key Features

 

IPS-Integrated Payment Solutions offers a broad range of core features as part of the powerful IPS processing platform. See below to learn more details about all that you will enjoy when choosing IPS to help you CHARGE AHEAD.

IPS CASH DISCOUNT AND SURCHARGE

The days of paying hefty interchange fees, transaction fees, batch fees, and hidden junk fees are over. Due to recent changes to Federal Regulations businesses can now enroll into the IPS cash back rewards program which will eliminate all those fees forever.

By using our technology we can eliminate all the fees associated with accepting a credit card by passing it in a compliant way to the customer. No matter what your credit card sales volume is, you will never pay more than $79.99 a month!

By implementing the IPS cash back rewards program in your business you can now process unlimited transactions every month and only pay one flat fee. Best of all, your fees will never increase like they do now with your current processor. You'll never have to worry about getting hit with hidden fees or surprise rate increases.

For those of you who are concerned about losing customers, don't! The program comes with a 60 day trial. If after 60 days you want to be put back on the program you were on, we simply switch you back but at a less expensive rate than what you were paying. Studies have shown that a month after switching to this program, the customers' purchasing decisions are rarely affected. Merchants have also reported that most of their customers do not even ask about the insignificant service fee. The fact is that this small service fee added to individual transactions has a small impact on your customer but a much larger impact on your cost of doing business.

BENEFITS OF IPS MERCHANT CASH DISCOUNT AND SURCHARGE SOLUTIONS

 

Fully compliant solutions

 

Pass credit card processing fees on to the consumer

 

Save money and resources.

IPS CASH DISCOUNT

A small fee can be applied to all card payments

IPS SURCHARGE

A small fee can be applied to only credit card payments

 
 
 
MOBILE PAYMENTS
 
 
TAKE CUSTOMER PAYMENTS EASILY WITH THE IPS MOBILE PLATFORM
 

Payments are now easier than ever, with the Mobile Platform. Simply download the App to your mobile device, register with and connect the card reader… and you’re all set!

 
 
ACCOUNT UPDATER
 
 
KEEP CUSTOMERS SATISFIED AND REDUCE CHURN
 

The innovative IPS Account Updater automatically updates payment details in your software platform for customers who may have ongoing subscriptions, member profiles or other recurring purchases where payment methods have been stored.

 

Reduces churn from expired payment information

 

Safe and secure

 

PCI-compliant

 
 
HOSTED PAY PAGE
 
 
 

IPS Hosted Pay Page offers a sophisticated hosted payment gateway that seamlessly integrates with your site design and is easily installed with any ecommerce shopping cart platform without the need for expensive SSL certificates. Avoid the significant cost of PCI compliance, with each purchase merchants can collect non-sensitive customer data, and IPS will handle the rest.

REDUCED SECURITY RISKS
 

No need to keep credit card numbers on file for recurring transactions. With our FREE virtual terminal, you can process payments from any web-enabled device. Our secure terminal will safely store non-sensitive customer information and use tokens to submit payments with no risk to the merchant. Now you can safely process sales and subscription payments via phone, mail order or online. Our system comes with customizable email alerts and notifications to let you and your customers know when a payment has been processed.

BENEFITS:
 

No need for expensive SSL certificates

 

Payment page maintains website branding and logo

 

Reduced scope for PCI – PCI responsibilities handled by IPS

 

Tokenization encryption – sensitive data no longer stored by merchant

 

Quick and Easy to install

 

Customizable email alerts

 

Free virtual terminal

 

Track information on sales and customer preferences with user defined field entry in checkout

 

Create customized reports to track sales

 
 
ONLINE REPORTING
 
 
GET TO KNOW YOUR CUSTOMERS BETTER
 

Detailed interchange reports

 

Web console – instant access to transactions Centralized online reporting, analytics, and customer data

 

Pull name from card and show in reports

 

Sales reports/employee sales reports

 

Send offers to existing customers about sales, discounts, and events via text or email

 

Analytics

 

Customer information

 
 
STORAGE SAFE
 
 
 

StorageSafe keeps merchants and their customers protected from data theft by storing credit card information off-site in a state of the art security center. Our advanced protocols and safety measures ensure safe, encrypted transactions every time. This encryption process results less hassle, reduction of PCI scope and peace of mind for our customers and yours.

TOKENS FOR SAFE TRANSMISSION
 

StorageSafe creates a customer profile, also called a “wallet” that can store multiple instances of three types of records: Consumer, Account and Shipping records. Once a card is processed, the encrypted data is stored in our secure facility, which allows merchants to schedule recurring payments and monthly billing cycles without having to store or access sensitive cardholder data. Instead the merchant uses an ID number or token for each record to retrieve the stored data. By using the token, you can easily process the card data again for recurring transactions.

 

StorageSafe creates a customer profile, also called a “wallet” that can store multiple instances of three types of records: Consumer, Account and Shipping records. Once a card is processed, the encrypted data is stored in our secure facility, which allows merchants to schedule recurring payments and monthly billing cycles without having to store or access sensitive cardholder data. Instead the merchant uses an ID number or token for each record to retrieve the stored data. By using the token, you can easily process the card data again for recurring transactions.

 

Protect yourself from PCI compliance issues sign up for StorageSafe today.

BENEFITS:
 

No need to keep credit cards on file in your office

 

PCI compliant processing

 

Easily process monthly billing and recurring payments

 

State of the art encryption on all transactions

 
 
PAYMENT ACCOUNT REFERENCE (PAR)
 
 
MAXIMIZE OPPORTUNITIES TO IDENTIFY AND REWARD LOYAL CUSTOMERS
 

Payment Account Reference (PAR) is a new capability that enables merchants to securely understand customers’ buying patterns when using multiple payments cards at different times with the same merchant.

 

PAR functionality is built into the robust IPS processing platform. With PAR, merchants can:

 

Identify in real-time unique cardholders

 

Build a broader CRM capability

 

Enhance existing Risk/Fraud/AML prevention

 

Improve their Loyalty/Rewards programs

 

Drive better customer account management

 
 
VISA MERCHANT PURCHASE INQUIRY (VMPI)
 
 
ACCELERATE RESOLUTIONS TO DISPUTED TRANSACTIONS … FAST
 

Now, there is a better way to quickly resolve issues when cardholders question a transaction … Visa Merchant Purchase Inquiry … or VMPI. With VMPI, merchants can respond to cardholder questions about unknown transactions and other potential disputes … in close to real-time.

 

With ongoing growth in chargebacks from unrecognized transactions, and particularly from online or other digital activity, VMPI was created to help merchants, issuers, acquirers and cardholders an efficient method to identify valid transactions and avoid costly chargebacks.

 

How Does VMPI Work?

 

VMPI is a direct connection between the merchants’ transaction database and the issuing banks using the Visa platform. The process allows merchants to seamlessly share information to the issuers. and involves the following steps:

 

Cardholder contacts their bank about a questionable transaction, and the issuer retrieves details via Visa Resolution Online (VROL)

 

Visa validates if the merchant is registered for VMPI

 

Visa sends a message to the merchant for additional information

 

Merchant provides additional data such as order details, tracking, refund, etc.

 

Merchant responds in near-real-time to the issuer

 

Visa provides data to issuer, who then verifies details with the cardholder

 

We are registered for VMPI, and can help merchants resolve potential disputes and chargebacks more efficiently than ever. This capability is especially relevant and important for merchants selling products and services online and through other digital platforms.