Merchant Payment Solutions

Set Up a Secure E-Commerce Payment Application: Part 1

In this two-part series, we will talk about two popular payment acceptance paths for e-commerce: Embedded API for Direct Post, commonly referred to as transparent redirect, and hosted payment pages. We will look at how the solutions function and things to consider when selecting your preferred method.

Recently, I went to see the Space Shuttle Endeavour at the California Science Center. It is an impressive piece of history to see firsthand. I could not help but think of how often you hear, “This isn’t rocket science.” This actually was rocket science! The complexity and inner workings of this ship are incomprehensible to most of us, a little intimidating, yet awe-inspiring.

The good news is that setting up a secure e-commerce environment doesn’t have to be rocket science, although it may sound like it. Known in the industry as “transparent redirect” or “Embedded API with Direct Post”, TC Trustee API is an elegant e-commerce payment solution that lets merchants do what they do best—manage the web site, user experience and environment—but leave the payment acceptance and security to the experts.

An embedded feature of the merchant-hosted payment form, the TC Trustee API code posts financial transaction field data from the customer browser straight to the TC secure processing platform. It is easy to set up, requiring a small amount of code and basic programming skills.

5 Ways Transit Embraces Electronic Payments

Transit and parking systems are making the move to electronic payments as they face tighter budgets, seek to operate more efficiently, and improve the customer experience. Moving from cash to electronic payments brings many benefits. In many cases, it can improve cash flow and is less expensive than collecting cash. Accepting electronic payments can also resolve other customer experience issues like these identified in a recent MasterCard study1:

  • 65% of US commuters who use cash to pay for mass transit worry about having the right amount to pay for their trip.
  • 36% were unable to take mass transit at some time because they did not have enough cash on hand.
  • 44% have missed a bus or train while waiting in line to purchase a ticket or add money to a fare card.

Take a look at 5 ways transit and parking industries are accepting electronic payments.

New National Data Breach Notification Draft Bill Introduced

U.S. Senators are again looking at crafting a law that creates a national standard for reporting data breaches. Referred to as the Data Security and Breach Notification Act of 2012 (S.3333), the draft bill would require businesses and government agencies to “take reasonable measures to protect and secure data in electronic form containing personal information.” The Federal Trade Commission would enforce the legislation, and fines for violating the law could reach up to $500,000 per incident.

There are currently 40 different state laws in place. This bill would override any existing state data breach legislation. Implementing a single law could simplify compliance and make for a more consistent notification process in the event of a breach.

Developer Friendly Payment Solutions

TrustCommerce and E-Commerce Developers are a perfect match. We speak the same language, can finish each other’s sentences, and are just a phone call away. Our relationship is effortless because:

TrustCommerce payment solutions are developer friendly! Our solutions are designed for easy set up and flexibility—integrating into any solution. We accomplish this using open-source technology and our 19+ APIs. Once integrated with the TrustCommerce payment system, you can implement the solution to any number of merchants.

Practical Ways to Protect Yourself Online

Zappos, online shoe and clothing retailer, is the latest merchant to succumb to a data breach. More than 24 million customer accounts were compromised, which may have included customer names, e-mail addresses, addresses, phone numbers, the last four digits of credit card numbers and “cryptically scrambled” passwords. Zappos encrypts payment card data and said no credit or debit card information was accessed.

The recent Zappos breach has us all thinking about trust. We start to think about all the online sites in which we’ve placed our trust—accounts we’ve opened, where we’ve shopped and social networking sites where we disclose our lives, to name just a few. Many of us can’t remember them all; let alone the email or password we used. As we go about our daily lives, we repeatedly take leaps of faith. For convenience and opportunity, trust seems to be the only choice. However, there are some practical ways you can protect yourself.

Save Money on Payment Processing

Wouldn’t it be nice if payment processing came with a textbook for beginners? Unfortunately, many times merchants are on their own to master key terms and skillfully implement best practices that help manage costs. One of the biggest challenges can be understanding the interchanges rates set by the card networks and other fees incurred in order to accept credit card and other payments.

Deciphering Debit Card Processing

It is no secret that debit cards are a popular method for paying for goods and services. Customers use their bank ATM cards and check cards to pay for everything from a pack of gum at a gas station to monthly utility bills.

Debit card payments may soon take over credit card transactions! There were 507 million total debit cards in circulation in U.S. at the end of 2009. Debit payment transactions rose 17.1% to 6.38 billion, according to Visa and MasterCard.

Secure Payment Solutions that Come with a Guide

On my morning commute, lost in thought, I drove right past the office. Snapping out of it, I realized what I’d done, took a right turn and began my detour back to the office.  Having never gone this route, I saw buildings and roads I’d never seen before, discovering better paths for future trips.
Seeing things in a new light makes me think about the TrustCommerce professional services team. What I love about our team is how they look at a project from every angle – upside down, backwards, and sideways before arriving at a clear plan for reaching an objective. Our team has lead projects and implementations for leading organizations in key vertical markets and apply that unique knowledge to every project.

Get to Know the TC Payment Portal

We love the TC Payment Portal and so do our customers. It is a versatile product that makes it easy, affordable and convenient for merchants of any size to offer online payment options to their customers. Allowing integration support for customer bill presentment, users can securely log into a website and have immediate access to their account information.