ECI ERP Software With
Integrated Payment Processing

WITHOUT an integrated payment system:

1. Receive a customer’s order over the phone or online.
2. Enter the credit card number into your terminal.
3. Save the transaction receipt, print out an invoice, and staple the two together. (Repeat this process for every invoice.)
4. At the end of the day, match paper invoices to electronic invoices and apply payments to the proper invoices.
5. Manually adjust your accounts receivable and general ledger to reflect payments.

WITH an integrated payment system:

1. Receive a customer’s order over the phone or online.
2. Enter their credit card number directly into your accounting software.
3. Use the integrated solution to process the payment.

That’s it! NET1 marks invoices as paid and automatically posts payments to your accounts receivable and general ledger.

Secure Payment Transactions and Your Business

Reduce your business liability by storing and securing sensitive payment card information offsite in NET1’s credit card vault. Card numbers maintained by your business are kept secure, and simultaneously the system validates that any card being used isn't stolen.

For ongoing payments from regular customers, credit card numbers no longer need to be stored on your server. All the credit card data you process with NET1 is encrypted and protected from any online incursions and business liabilities.

What is Level 3?

Level 3 processing can dramatically drop your base interchange rate for business-to-business and business-to-government transactions. The results can be a 1% difference in costs which truly impacts your bottom line.

Level 3 transactions are government credit cards or corporate cards that require detailed transaction level data. Since so much data is needed to qualify for Level 3, the processing rates are lower and require well-equipped software.

Want those large government contracts?

Data Processing Levels 1 to 3

Credit card transactions fall into three different data levels (Level 1, Level 2, and Level 3) and each level requires a certain amount of information to qualify its transactions. The higher the level is, the more detail it requires. However, the higher the data level, the less it costs merchants to process transactions.

Level 1: All B2B transactions must qualify for a minimum of Level 1 data processing. Luckily, the data you need to provide to qualify for Level 1 processing is limited to:

• The merchant’s name
• The transaction amount
• The date on which the transaction took place

Level 2: This level is perfect if you deal with small to mid-sized businesses. The data you need to provide to qualify for Level 2 processing is a bit more extensive. You will need to provide your credit card company with:

• All level 1 data requirements
• The customer code
• The total tax amount

Level 3: Level 3 data processing is ideal for companies that do business with large corporations or government entities––in fact, this tier of payment processing serves to prevent government branches from overspending.

To qualify for Level 3, you need to provide:

• All of the data necessary for Level 1 and Level 2
• The postal code your company is shipping from
• The postal code your company is shipping to
• The invoice number
• The order number
• The freight amount
• The line-item details of the purchase

Safe and simple for consumers and businesses, NET1 offers Electronic Check Services which move payments electronically from your customer's checking account to your NET1 Merchant Account. NET1 Electronic Check Services is a true Automated Clearing House (ACH) product that requires no double entry or back-end check printing. It works like a paper check, without the additional costs and time delays.

NET1 Electronic Check Services process payments and displays real-time reports from any internet-enabled PC, providing convenient access away from the office.

Ready for savings and simple transactions?

Expand your business model by using a virtual terminal for payment card processing

Not all payment card sales can be transacted in person. Grow your business by expanding your credit card processing options–use a virtual terminal!

What is a virtual terminal?

A virtual terminal is a specialized function within a payment gateway that allows a business to process a card without it being present. Serving the same function as the physical terminal, instead of swiping a card, the merchant keys in the information to an online portal to get approval.

The best virtual terminals include the ability to:

• Access a transaction page through a web browser, no specialized hardware or software required
• Transact anywhere through an app used with a smartphone or tablet
• Accept all major debit and credit cards (i.e., Visa, Mastercard, AMEX, Discover)
• Provide online invoicing
• Create web payment forms to let customers enter their own card data

Using a virtual terminal through eMerchant Gateway

Our own eMerchant Gateway is built on an industry-leading payment gateway technology. It provides easy-to-use virtual terminal card processing along with a variety of other gateway payment options and best-practice security features.

Grow your business with virtual terminal payment card processing

If you already have a brick-and-mortar store with a retail terminal or POS, swiping a card will give you the lowest Interchange rate. If the card is present, swiping is the best choice but what about taking card payments over the phone or online? Business owners must adapt to how customers want to do business, and face-to-face transactions are not always the most convenient way for customers to buy your product or service.

Getting a virtual terminal can provide you with expanded options for serving your customers in a secure way and can improve the efficiency of your business operations.

Keep Customer Data Safe

Are you storing customer data in a file cabinet or an unsecured computer vulnerable to hackers or other disasters? Keep data safe and reduce your business liability with the NET1 payment processing solution.

NET1 stores and protects sensitive payment card information offsite in a secure vault, and it’s already set up to work with your ECI ERP system.

Contactless Payment

Contactless payment allows consumers to pay for goods and services using their debit or credit cards with RFID technology—also known as chip cards—or other payment devices without the need to swipe, enter a personal identification number (PIN), and/or sign for a transaction.

Contactless payment systems are credit cards and debit cards, key fobs, smart cards, or other devices, including smartphones and other mobile devices, that use radio-frequency identification (RFID) or near field communication (NFC, e.g., Samsung Pay, Apple Pay, Google Pay, Fitbit Pay, or any bank mobile application that supports contactless) for making secure payments. The embedded integrated circuit chip and antenna enable consumers to wave their card, fob, or handheld device over a reader at the point of sale terminal.

Contactless payments are made in close physical proximity, unlike mobile payments which use broad-area cellular or WiFi networks and do not involve close physical proximity.

Outstanding Customer Support

With NET1, you get real people providing 365/24/7 direct technical support with no third party involved. NET1 and our gateway provider Paya have one of the highest approval ratings in the industry. Say goodbye to being stuck in a customer service “hot-potato handoff” when trying to reconcile a credit card dispute, or even answer a simple question.