![]() We all have heard of breaches at major retail stores. Regardless of efforts you put to the initial design and implementation, you must maintain the system and keep it up to date with ever-growing PCI mandates. They are all connected and communicating with each other.īuilding a fully integrated system takes several months of work and tens of thousands of dollars. Any change in any part of the system affects the other parts. In this method the entire system is within the scope of PCI. The authorization response is then directed back to the ECR to complete the transaction. The Backoffice server then forwards the card info to the payment processor to request a payment authorization.ĥ. The card data goes through the terminal, to the POS software and finally into the Backoffice server where the encrypted card information is stored.Ĥ. The cardholder is prompted to use their credit card (dip/swipe).ģ. The amount due is generated by the ECR (POS Software) and sent to the POS terminal.Ģ. In a typical transaction this is what takes place:ġ. Processor: Backoffice server forwards the Card data to the processor and receives the results (Approved or Declined).Backoffice server: Card and payment information is stored here.ECR could be a software or just a good old cash register. POS system: POS terminal and Electronic cash register (ECR).In a fully-integrated payment environment the entire system is within the merchants maintained infrastructure and you will find the following elements: Besides the fact that the Standalone terminal does not talk to the till system, there’s always potential for keying errors, double-entry (to the terminal and then the till) increases the check-out time and because each terminal generates its own end-of-day report, which needs to reconcile against your merchant service provider statement, standalone terminals create more work behind the scene as you install more of them. To a merchant there are several drawbacks, which will become more significant as the business grows. Clerk will process the customer’s card on the “Standalone Terminal” and then key in the amount to the point of sale software! There is nothing to talk about here. Sales initiated on the point of sale and a ticket gets created. To a developer, a standalone terminal is just a disconnected part of the payment system and does not communicate with your software. Out-Of-The-box solution for when you need to be up and running and accept credit card payments fast. They stand alone and disconnected from the point of sale software. Sometimes referred to as “Black Box”, Standalone terminals do what you guessed. In this article, I try to highlight the differences and explain the advantages and disadvantages of each approach. I have regularly been asked about the differences between payment processing terminals and payment integration methods, and the best, fastest and most affordable options to integrate a Point of Sale software to a payment processing system. Standalone vs Fully-Integrated vs Semi-Integrated Payment Solutions
0 Comments
Leave a Reply. |
AuthorWrite something about yourself. No need to be fancy, just an overview. ArchivesCategories |