Card Processing Overview

Complete Card Acceptance Accept all major card brands through a single integration:

• Visa, Mastercard, American Express, Discover
• Domestic and international cards
• Credit, debit, and prepaid cards
• Corporate and purchasing cards

Processing Environments

• Card-Not-Present (CNP): Online, mobile app, and phone transactions
• Card-Present: In-person transactions with integrated terminals
• Hybrid Processing: Seamless switching between online and in-person for omnichannel merchants

Card Processing Use Cases

E-commerce & Online Transactions

• Professional services (consultants, agencies, freelancers)
• Retail and product sales
• Subscription and membership services
• Event registration and ticketing
• Course and training enrollment

In-Person Transaction Support

• Retail point-of-sale systems
• Event check-in and on-site sales
• Mobile payment acceptance for field services
• Pop-up and temporary location sales

Recurring Billing Scenarios

• Monthly subscription services
• Membership fees and dues
• Installment payment plans
• Automatic renewal processing
• Usage-based billing cycles

Card Processing Features

Advanced Authorization Management

• Real-time authorization
• Partial authorization support for prepaid cards
• Authorization hold capabilities for reservations
• Incremental authorization for variable amounts

Security & Fraud Prevention

• PCI Level 1 compliant processing
• Advanced fraud scoring and machine learning
• 3D Secure authentication for high-risk transactions
• Customizable fraud rules and velocity checking
• AVS and CVV verification

Optimization Tools

• Account updater services to maintain current card data
• Retry logic for failed transactions

ACH Processing Overview

Complete ACH Capabilities Process bank-to-bank transfers for cost-effective payment acceptance:

• ACH debits for customer payments
• ACH credits for refunds and payouts
• Next Day ACH for faster processing
• Pre-authorized banking debits for Canadian transactions

Processing Types

• One-time ACH payments for large transactions
• Recurring ACH for subscription and membership models
• Routing number verification for immediate bank routing validation

ACH Use Cases & Benefits

High-Value Transaction Processing

• Tuition and education payments ($1,000-$50,000+)
• Yearly membership fees
• B2B payments and invoicing

Recurring Payment Optimization

• Monthly membership fees and subscriptions
• Utility and service billing
• Loan and financing payments
• Charitable recurring donations
• Automatic investment and savings transfers

Cost-Sensitive Scenarios

• Large transaction amounts (typically >$500)
• High-volume recurring payments
• Price-sensitive customer segments
• Non-profit organizations maximizing donation impact
• B2B transactions where speed is less critical than cost

ACH Processing AdvantagesCost Efficiency

• Fees typically 50-80% lower than card processing
• No interchange fees or card brand assessments
• Reduced processing costs for recurring transactions

Higher Success Rates

• Lower decline rates compared to credit cards
• Reduced risk of expired payment methods
• Direct bank account access eliminates credit limits

Cash Flow Benefits

• Direct bank account funding improves merchant cash flow
• Predictable deposit timing (1-2 business days)
• Lower chargeback and dispute rates
• Reduced friendly fraud compared to card transactions

Digital Wallet Support

Major Wallet Platforms Seamless integration with leading digital wallets:

• Apple Pay for iOS users and Safari browsers
• Google Pay for Android users and Chrome browsers
• Samsung Pay for Samsung device users

Digital Wallet Use Cases

Mobile-First Experiences Optimized for platforms serving:

• Mobile app users who prefer touch-based payments
• Younger demographics comfortable with digital wallets
• Quick-service businesses requiring fast checkout
• On-the-go transactions and mobile commerce
• Event and venue-based payments

Enhanced Security Scenarios Ideal for:

• High-value transactions requiring additional authentication
• Security-conscious customer segments
• Compliance-heavy industries requiring strong authentication
• Fraud-prone transaction types needing tokenization
• International transactions requiring local payment preferences

Conversion Optimization Perfect for:

• Reducing checkout abandonment rates
• Improving mobile conversion rates
• Streamlining repeat customer experiences
• Cross-platform payment consistency
• Guest checkout optimization

Digital Wallet Benefits

Improved User Experience

• Faster checkout with stored payment credentials
• Reduced form completion requirements
• Cross-device payment consistency
• Reduced password and account management burden

Higher Conversion Rates

• Industry average of 20-30% improvement in mobile conversion
• Reduced cart abandonment through simplified checkout
• One-touch payment approval increases completion rates
• Trust signals from recognizable wallet brands
• Streamlined guest checkout experiences

Enhanced Security

• Tokenized payment data reduces breach risk
• Biometric authentication adds security layer
• No stored card data on merchant systems
• Dynamic security codes for each transaction
• Built-in fraud protection from wallet providers

International Payment Processing

International Payment Acceptance

• Payment acceptance in Canada, New Zealand and Australia
• Multi-currency processing and settlement 
• Local payment method support by region
• International ACH and wire transfer capabilities
• Region-specific compliance and tax handling

Use Cases for Global Platforms

• Software platforms serving international markets
• Educational institutions with global student populations
• Non-profits accepting international donations
• B2B platforms with global supplier networks
• Membership organizations with worldwide members

Industry-Specific Solutions

Non-Profit and Fundraising

• Donation processing with tax receipt automation
• Recurring giving programs with donor management
• Event fundraising and auction payment processing
• Grant and foundation payment acceptance
• Compliance with charitable giving regulations

Education and Childcare

• Tuition and fee processing with payment plans
• Field trip and activity payment collection
• Lunch program and cafeteria payments
• After-school and camp registration fees
• Parent portal integration for family payments

Professional Services

• Project-based billing and milestone payments
• Retainer and advance payment processing
• Time and materials billing integration
• Expense reimbursement and client billing
• Professional membership and certification fees

Advanced Payment Features

Flexible Payment Plans

• Installment payment scheduling
• Automatic payment plan management
• Early payment discounts and incentives
• Deferred payment options for qualified customers

Reporting and Analytics

• Comprehensive transaction reporting by payment method
• Payment method performance analytics
• Customer payment behavior insights
• Revenue optimization recommendations
• Chargeback and dispute analysis by payment type

Technical Setup

Single API Integration

• Unified API supports all payment methods
• Consistent integration pattern across payment types
• Shared authentication and security protocols
• Common webhook structure for all transaction types
• Unified testing and certification process
• Integration methods that reduces ISV PCI compliant scope

Customization Options

• White-label payment forms for brand consistency
• Custom payment method selection and ordering

Payment Method Selection Strategy

Merchant Optimization SafeSave helps your platform optimize payment method selection:

• Cost Analysis: Guidance on when to promote ACH vs. card payments
• Conversion Optimization: A/B testing payment method presentation
• Customer Segmentation: Tailored payment options based on customer profiles
• Industry Best Practices: Payment method recommendations by vertical
• Performance Monitoring: Ongoing analysis of payment method effectiveness

Revenue Maximization

• Strategic promotion of lower-cost payment methods
• Incentive programs for preferred payment methods
• Merchant education on payment method economics
• Custom reporting on payment method profitability

Universal Security Standards

Comprehensive Protection All payment methods benefit from:

• PCI Level 1 compliance across all credit card transaction types
• End-to-end encryption for payment data
• Tokenization to reduce data storage requirements
• Advanced fraud detection across all payment channels
• Real-time transaction monitoring and alerting

Method-Specific Security

• Card Processing: 3D Secure, CVV verification, address validation
• ACH Processing: Velocity checking, risk scoring

Digital Wallets: Tokenization, biometric authentication, device fingerprinting

Regulatory Compliance

Industry Standards

• PCI DSS compliance for card data handling
• NACHA compliance for ACH processing
• GDPR compliance for international transactions

Ongoing Compliance Management

• Regular security audits and assessments
• Compliance monitoring and reporting
• Regulatory update implementation
• Merchant compliance education and support
• Incident response and breach notification procedures