Omni-Channel Tokenization

More Options for Revenue​

Instant Accept offers more opportunities for merchants to increase their revenue by offering customers their own stored profile for future sales across multiple platforms all while keeping their customers personal data safe. This process is called Omni-channel tokenization.  It gives merchants and their customers more opportunities for purchasing options.

Omni-channel tokenization gives merchants the ability to seamlessly have customers buy goods and services from a merchant website or app after they have left the store or vice-versa. The information is already captured at the POS or website, saves customers time without the need to re-input their credit card data back into the merchant’s POS, website, or app. This gives merchants the opportunity to capture additional future sales of goods and/or services from their customers because of the ease of use.

The benefit of tokenization is if a merchant’s computer storing tokens is hacked, the hacker will retrieve a bunch of meaningless nonsense. Without the decryption key, and unique merchant identifier codes, which is held in a secure card-data vault off site with the token vendor, the hacker is not able to successfully translate the alphanumeric sequence to cardholder data.

Here are a few types of businesses omni-channel tokenization is Ideal for:

  • Retail Stores
  • Restaurants
  • Grocery Stores
  • Car Rental
  • Health Clubs
  • Spas
  • Memberships
  • Home Delivery
  • Spas
  • Memberships
  • Home Delivery
  • and much more.

The Process of Omni-Channel Tokenization

A customers’ card is keyed, swiped or inserted to begin the process of their payment transaction through a merchants’ retail POS system, website, or app. While the transaction is running, Instant Accepts secure payment gateway takes the customers card data and personal data and then tokenizes that data and ties that token back to the customer in a stored profile.

The token then replaces the card data and personal information with random alphanumeric sequences that can only be reversed, or decrypted, with the decryption key, which is kept in our PCI Level 1 Card Vault.

This works both ways, whether the transaction initially created at a retail store or from a website or mobile transaction. The customer then has more ease of use when going to the website, app, or physical store to purchase goods or services or make payments.

All transactions which are tokenized:

  • EMV Chip Card
  • Swiped Cards
  • Apple Pay
  • Google Pay
  • Smart Wallets

In all our flows the CardHolder Data is never sent to the merchant again. The merchant only has a Token going forward which is the reference point for the now stored Cardholder Data in our payment gateway platform. In all instances Instant Accept works with all 3rd parties to collect and store card holder information so that the Merchant is never in PCI scope again. The PCI scope is taken out of the equation for merchants to have to deal with.

Instant Accept has many examples of ways that different clients use the platform to collect and share card holder data. Data is collected from the Point-of-Sale systems, which then allows the merchant, or a 3rd Party partner of the merchant, to gain access to the card data for additional billing of products and services to be conducted after the initial transaction has been completed.

Data Optimization

In addition to data collection and transmission Prismpay will work to enhance the transaction string for the client to maximize interchange qualifications or reduce interchange costs to the merchant.

Depending upon the MCC code of the merchant, as well as, the type of cards being accepted at the point of sale, Instant Accept can push and pull additional data elements from a merchant accounting system to enhance Level 2 and Level 3 Purchase Card transactions, therefore optimizing the interchange qualifications on those transactions.

Certain MCC’s and merchants can also benefit from the addition of a Service Fee, Site Fee and Convenience Fee solution to help offset processing costs that the merchant incurs. Instant Accept can calculate and add additional per item and discount fees onto the cost of a transaction, as 1 or 2 transactions depending on the merchant MCC code as mandated by Visa and Mastercard payment rules and regulations.

Find Out More Now

Contact Us or start a free trial to find out more about what Instant Accept can do to help your business save time and money. Start saving today by clicking one of the buttons below!

Tips & Tricks for Token Manager

Expanding on last month’s tip for token manager here is a shot video to help you walk-through the process.
In the Instant Accept Web Portal you can manage your stored cards in the token manager.

You will go to Acquiring > Token Manager. This will display the list of your stored cards. You can click the edit button to update the expiration date or mark this as the preferred card for the customer, please make sure you save your changes. You can also remove the token by clicking on the delete button

Tokenization Explained

What is tokenization?

Tokenization is the replacement of sensitive data with a unique identifier that cannot be mathematically reversed. In your environment, tokens take the place of sensitive payment card data. Typically, the token will retain the last four digits of the card as a means of accurately matching the token to the payment card owner. The remaining numbers are generated using proprietary tokenization algorithms.

What is a Token?

Tokens are simply numbers and letters algorithmically generated hiding sensitive private personal information from possible threats. These encryptions normally protect payment data, personal information such as customer contact details, social security numbers and more. A comparative example of what a token looks like is things such as gift cards or vouchers. A gift card or voucher is substituting for cash money which in turn protects cash from becoming lost or stolen.

Why is Tokenization Necessary?

Hackers, injections, brute force attacks or any other nefarious means to gain access to merchant’s customers valuable private data is ongoing. Hence why the payment industry is constantly working on ways to protect customers’ sensitive personal data and merchant’s private business data as well as their customers. The process of randomly generating numbers and letters offers an impenetrable security over personal and private data. So, the data for methods of payment are secure by exchanging it for a token and storing it.

Tokenization is a valuable addition to any merchant accepting multiple types of transactions online giving merchants more security and protection for their payment acceptance. And giving customers additional confidence that their personal and private data is secure. Many customers would prefer not to be required to enter their payment data multiple times or every time they want to make a purchase. With Tokens, merchants can offer their customers a more streamlined checkout experience by giving them the ability to save their payment data and personal information.

Another example of this method where you would most likely be utilizing tokens is with your utility, mortgage, or credit card companies. When you save your payment data and personal information for future payments these are called stored profiles. An associated payment token containing the user’s data for their account information is stored for future use. Once a customer has previously entered their payment data and personal information then requests a service, subscription, or recurring payment their data becomes a token and is then passed directly to the payment gateway to receive an authorization for payment in real-time.

The process of tokenizing payments also saves merchants time and money and headaches from PCI Compliance. Tokenization at the payment gateway level gives merchants their PCI Compliance without the overhead, infrastructure, internal training, penetration tests and audits of your security.

Learn How Tokenization Can Help Protect Your Business

You’ll find security all while processing payments and having the benefit of real-time synchronization with your QuickBooks data.  Save your business money and yourself time by contacting us to find out how tokenization helps protect you and your customers. Get started now by clicking the button below to requesting a free, no obligation demo of Instant Accept.

Find Out More Now

Contact Us or start a free trial to find out more about what Instant Accept can do to help your business save time and money. Start saving today by clicking one of the button below!

Saving Stored Profile Within Instant Accept

Saving Customer Stored Profiles for Recurring Payments and Much More

Customers are the life blood of all businesses. Many businesses have a customer base that pay for products and services on a monthly or regular basis. Securely saving and storing the customer’s credit card information for future use benefits both parties. Instant Accept refers to this as saving the Customer’s Profile or commonly referred to as Stored Profiles.
We are all familiar with a payments page when we are purchasing a product or service and paying online. We enter our credit card information into the appropriate box along with other pertinent information and press the button to process the transaction.
Customer Stored Profile
On a secure transaction page, the customer’s credit card number is never saved instead it is tokenized when the process transaction button is pressed. Tokenization creates a randomly generated string of alphanumeric characters that replaces the actual primary account number (PAN). The newly created unique token can only be used by the specific merchant it was created for. Additionally, this token can be saved and stored for future usage. A great example of how a token can be used is in the process of recurring payments such as installment payments and recurring monthly billing. Instant Accept also has the ability to store multiple tokens for the same customer. A customer may purchase regularly from a merchant and wish to pay with several different credit cards or ACH bank accounts, depending on the situation and purpose of the purchase. Storing these unique tokens provides secure, easy access to choose the desired payment method. Both the merchant and the customer will have access to view and update the customer card information. Tokenization is a very secure process of encrypting and saving the credit card number when paying for something either online or through an EMV terminal. The token which is created, is then used throughout the process and the actual card number is never accessible. We will be discussing the many uses and advantages of storing these tokens when using Instant Accept in our next newsletter. Click the button below to find out more about tokenization. For more information on stored profiles and the other Instant Accept features including: recurring payments, invoice creation, emailing of invoices and more, please visit our website at www.instantaccept.com or give us a call at 855-220-2840.

Start Running Your Business,
Not Your Bookkeeping

With Instant Accept you can know that your customer data is safe and secure within a PCI Compliant environment. Fewer hassles, better security, and freedom to grow. Run your business the way that you want to. Why not get started now by clicking the sign-up button below! Do it today!

Integrate CardPointe’s EMV Certified Bolt Terminals with Instant Accept

Process Transactions Directly Within Instant Accept Through EMV certified BOLT Terminals

Instant Accept (IA) and its proprietary accounting plugin solution that enables the only true dynamic accounting program integration for creating and paying invoices has completed its integration for CardConnect’s BOLT platform. Making integrations with CardPointe’s EMV certified Bolt terminals even easier while merchants can still keep all the benefits of Instant Accept as their QuickBooks integration for accepting payments.

Extra Layer of Security for Peace of Mind

Easily and securely accept payments while Bolt integrates point-to-point encryption (P2PE) easily within any software environment offering PCI validated P2PE. With the Instant Accept and CardConnect’s Bolt integration merchants can expect secure reliable payment acceptance utilizing tokenization and P2PE.

Instant Accept and Bolt takes the worry out of EMV payment acceptance, data breach protection, and PCI security compliance and finding EMV certified devices.

EMV-Certified Payment Processing Terminals

Instant Accept now supports all EMV terminals supported by CardConnect’s BOLT platform. The solution is seamless, and merchant’s can easily add a Cardpoint account or BOLT terminal to use with Instant Accept by adding their merchant ID and BOLT terminal serial number to their Instant Accept account. Once activated the transactions originating from Instant Accept, Cardpointe, or a bolt terminal will automatically synch back to Instant Accept and post the payment to the merchant’s customers’ open invoice in QuickBooks. CardConnect resellers and merchants can now take advantage of any EMV certified BOLT terminal to process transactions directly within Instant Accept for any version of QuickBooks Point of Sale (POS), Online or Enterprise. The following EMV Certified Bolt terminals will be supported with IA and CC’s Bolt integration:

Start Accepting Payments Now

Accepting payments is even easier with the integration between Instant Accept and Bolt. Merchants will have all the security and peace of mind with P2PE, tokenization, and EMV payment devices all while taking payments on the go. Merchants will have streamlined payments with Instant Accept all while it synchronizes payments and invoices in real-time. Leaving business owners more time to improve their business and increase their revenue stream. Get started today and save time, money, and resources while increasing your bottom line.

Start Running Your Business, Not Your Bookkeeping

With Instant Accept you can know that your customer data is safe and secure within a PCI Compliant environment. Fewer hassles, better security, and freedom to grow. Run your business the way that you want to. Why not get started now by clicking the sign-up button below! Do it today!

Increase Profits with Recurring Billing and Instant Accept

Recurring Billing and Invoicing in Instant Accept

Recurring billing and invoices can be useful in several scenarios that occur regularly in many types of businesses. In this blog we will explore two ways a business would use recurring invoicing and receive recurring payments for their products and services.
Recurring Billing and Invoicing

Benefit from Recurring Billing and Invoices on Large Ticket Items

In the first scenario, and the most common use of recurring billing and invoices, is when you purchase or subscribe to a subscription.  Subscriptions range from Magazines, Newspapers, Computer Security Software such as McAfee or Norton Anti-Virus, Gaming Platforms such as XBOX or PlayStation subscriptions.

Instant Accept’s integration into QuickBooks allows for the automatic creation of the invoice and payment based on the preset interval.  The pre-set intervals of monthly, quarterly, or annually are just a few examples. This type of recurring billing and invoicing allows for auto-renew at the end of the subscription unless stopped by the customer.

When the pre-set time interval is reached, Instant Accept creates the invoice, submits the payment and applies the payment to the invoice.  When the payment is applied to the invoice, QuickBooks is automatically updated with the payment information.

Here is a link to a short video on recurring billing that shows how Instant Accept is setup to handle this type of transaction.

Instant Accept is very versatile with how we can take payments and update QuickBooks®. Millions of different businesses use QuickBooks® for their accounting package. Instant Accept can be a money saver for many of them. For more information or to schedule a demonstration please contact us or call (855) 220-2840.

Start Running Your Business,
Not Your Bookkeeping

With Instant Accept you can know that your customer data is safe and secure within a PCI Compliant environment. Fewer hassles, better security, and freedom to grow. Run your business the way that you want to. Why not get started now by clicking the sign-up button below! Do it today!

Merchants May be Able to Recoup High Costs from Convenience Fees

Using a Convenience Fee to Offset Credit Card Fees

Credit card processing fees can really add up over the course of the months and year. Instant Accept provides a method for merchants to pass some of those fees along to their customers. This method is known as charging convenience fees.

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Getting reward points or cashback is a huge incentive for consumers to use their credit cards for purchases that they could otherwise pay cash for. According to the U.S. Consumer Financial Protection Bureau’s 2018 Consumer Credit Card Market Report, credit card spending using rewards cards has continued to grow in the last few years. The growth has been across all categories of consumers. At the time of this report, consumers tapped into rewards cards for more than 80 percent of their credit card purchases. Somebody has to pay for those rewards as the costs of these perks are passed along to the merchants accepting the credit card payments.

A merchant can consider charging convenience fees or a surcharge. A convenience fee is different than a surcharge, one significant difference is that a surcharge can be applied on credit cards but not on debit cards. Instant Accept will be able to support surcharging within the next few weeks. However, at this time, we will look at convenience fees and how a merchant might apply them.

When can Convenience Fees be Applied

Convenience Fee can only be charged when the purchaser is using an alternative (non-standard) payment method. Let me share an example. would be that the merchant normally takes payments in person, but a convenience fee could be charged if they are receiving the payment via the phone or online.

Credit card companies have rules regarding the ability to charge convenience fees. I will touch on a couple of them here. Check directly with your processor to make sure all the guidelines are followed.

A few of Visa’s rules include:

  • Convenience fee can only be charged online
  • Convenience fee must be disclosed from the beginning and an alternative payment method must be available
  • Cannot be charged on recurring transactions

Mastercard, American Express, and Discover all have their own set of rules as well. Please consult with your credit card provider to get a complete set of guidelines. Here is an excellent blog on Merchant Maverik by Hsin-Wei Luang.

Convenience Fee in Instant Accept & QuickBooks (The Big Promise)

In setting up your QuickBooks® convenience fees that comes in through Instant Accept, first set it up in QuickBooks®. This can be done by the following steps.

  1. creating an income account called Convenience Fee
  2. Create a product called Convenience Fee that links to that income account

Be sure to provide a message offering an alternative payment method such as ACH. Check with your accountant in regard to how they would like to see convenience fees setup for your business.

In Instant Accept, we have a tab under our Hierarchy category which makes it easy to set up a convenience fee that is fairly simple.

As you can see in the screenshot above, a convenience fee can be set up as a percentage, flat fee, or a combination of the two. A threshold amount of when to start charging the fee can also be setup.

Convenience Fees in Action

To see a short demonstration on how the convenience fees works within Instant Accept and our real-time synchronization into QuickBooks® please see our convenience fee demo video. For more information on Instant Accept and to learn more about our feature-rich integration with QuickBooks® please Contact Us or call (855) 220-2840.

Start Running Your Business, Not Your Bookkeeping

With Instant Accept you can know that your customer data is safe and secure within a PCI Compliant environment. Fewer hassles, better security, and freedom to grow. Run your business the way that you want to. Why not get started now by clicking the sign-up button below! Do it today!

Creating Invoices For QuickBooks From Within Instant Accept

Creating Invoices and Updating QuickBooks

Instant Accept is a software application that allows QuickBooks® users to use credit card processing services outside of QuickBooks® Payments. Instant Accept has a secure integration with QuickBooks® Online, Desktop Financials, and Point of Sale versions. In addition to saving merchants money on their processing fees, Instant Accept has numerous other features. One of these features is creating invoices and updating existing invoices.

Many businesses have salespeople and outside service people that take orders and payments remotely. These new orders and payments then need to be manually entered into the business’s QuickBooks® accounting package. This can be time-consuming and increases the possibility of entry errors.

Instant Accept offers a solution to this problem. With Instant Accept new invoices can be created, existing invoices can be updated and payments accepted all outside of QuickBooks®. QuickBooks® is then updated in real-time through Instant Accept’s secure real-time synchronization.

Increase Profitability

This solution can help a business increase profitability in several ways. First, the business does not need to pay for additional users, saving money on monthly or annual fees. Second, the business can protect their sensitive data from employees that do not need access to certain areas within their QuickBooks®. Finally, the business’s outside salespeople become much more efficient. As a result, salespeople are able to close the sale and get paid right on the spot. Greatly reducing the chance of delayed payments or the buyer changing their mind. For a short demo on this capability check out our Creating an Updating Invoices video.

All types of businesses that make sales outside their brick and mortar location can benefit from Instant Accept’s creating invoices feature. First of all, businesses with outside sales and service people. Also, businesses that make sales at trade shows, swap meets, fairs, kiosks, etc. If they are using QuickBooks® Online or Desktop Financials at the office this offers a low-cost Point of Sale solutions and many other benefits.

Instant Accept has many other features and benefits including accepting ACH payments, setting up recurring payments, stored customer profiles, batch emailing of invoices, EMV/PIN debit acceptance, and much more.

For more information on Instant Accept visit our website at www.instantaccept.com or click the button below to sign up for a free trial. You can also feel free to call us at 855-220-2840.

Start Running Your Business, Not Your Bookkeeping

With Instant Accept you can know that your customer data is safe and secure within a PCI Compliant environment. Fewer hassles, better security, and freedom to grow. Run your business the way that you want to. Why not get started now by clicking the sign-up button below! Do it today!

Bookkeeping for Small Businesses Simplified

As a small business, accepting payments, managing your bookkeeping and your everyday accounting should be simple. Instant Accept is the only fully integrated payment acceptance product for all versions of Quickbooks, making it easy to manage small business accounting. The Instant Accept cloud based software provides  a seamlessly integrated application that accepts all payment methods either from a terminal or your desktop and records the information in Quickbooks with a simple touch of a button.

Confident Bookkeeping​

As a small business, it is crucial to feel comfortable and confident with your company’s bookkeeping. If your bookkeeping falls behind, it can pose serious issues when attempting to make crucial strategic business decisions or to assess the prosperity of your business. Successful bookkeeping is not only about tracking where your company has been, it is also about assessing the direction it is going.

When it comes to managing the finances of a small business, it is important to stay organized. Experts suggest tracking your financial data monthly in order to keep on track with goals and growth projections. If you track this accounting data monthly, it will allow you to view the areas where the company is increasing and the areas of the company that are decreasing. This will allow you to make informed strategic decisions regarding the trajectory of the company.

Bookkeeping Made Easy​

Bookkeeping can be a daunting task, and it is crucial to the success of your business. Technology has evolved to aid the business owner in these tasks. QuickBooks provides business owners a quick and easy to use accounting software. Instant Accept enhances this software by allowing the users to perform payment acceptance tasks and seamlessly recording the transactions into any version of QuickBooks (Online, Point of Sale or Enterprise) in one easy step. This revolutionary software will allow you to run your business, without having to worry about re-entering or transferring your transaction data into your QuickBooks accounting program.

Contact Instant Accept directly at (855) 220-2840 for more information, or request a free Instant Accept demo today.

Start Running Your Business, Not Your Bookkeeping

With Instant Accept you can know that your customer data is safe and secure within a PCI Compliant environment. Fewer hassles, better security, and freedom to grow. Run your business the way that you want to. Why not get started now by clicking the sign-up button below! Do it today!

Instant Accept Features and Benefits

Have all the functionality of QuickBooks® without actually being in QuickBooks®. Instant Accept offers merchants who use QuickBooks® POS, QuickBooks® Financial or QuickBooks® Online the ability to use any merchant service provider they choose.

Everything you can do in QuickBooks® can be done in Instant Accept from any location where you have internet access, allowing you to manage everything from one integrated user interface. Many merchants require a need for a single, intuitive application which allows them to access and assign open invoices or print sales receipts.

While using Instant Accept, QuickBooks® is not required to be open. Merchants simply open Instant Accept and begin processing payments, creating customers, open invoices or email invoices. Instant Accept gives you this freedom all while updating your information in QuickBooks® in Real-Time. Our Gateway Sync function allows merchants to assign payments to open invoices or to sales receipts in need of completion. The merchant can easily create a new customer, a new invoice or a sales receipt for fast importing into QuickBooks®.

KEY FEATURES

  • Accept card present and card not present
  • Accept credit card, ACH, Check 21 and eCheck transaction
  • Gateway Synch
  • Split payments feature breaks payments into multiple billings
  • Works with these QuickBooks® Windows versions:
  • QuickBooks® Desktop
    • Pro
    • Premiere
    • Enterprise
  • QuickBooks® POS
  • QuickBooks® Online

KEY BENEFITS

  • PCI compliant database protects valuable credit card and customer information
  • Keep same merchant account and payment processor
  • Streamline accepting payments though one integrated user interface
  • Accept multiple payment types

Find out more about InstantAccept! Call (855) 220-2840 or Contact Us.

Start Running Your Business, Not Your Bookkeeping

With Instant Accept you can know that your customer data is safe and secure within a PCI Compliant environment. Fewer hassles, better security, and freedom to grow. Run your business the way that you want to. Why not get started now by clicking the sign-up button below! Do it today!

Benefits of Using Instant Accept Online With QuickBooks

Instant Accept Online seamlessly integrates with your QuickBooks Online account and gives you the ability to quickly and easily accept payments. While accepting payments your payment processing data and Quick Books sync in the background. Relieving the stress and worry about re-keying errors or issues.
We give business owners the ability to limit their employees access.  You can choose to give full rights to all information within your QuickBooks data or if you have employees that only need limited access you can choose what sections they can access.  This helps alleviate errors and limit issues that come from having access to areas that they otherwise need not be in. Instant Accept also helps the issues that come from re-keying information.  No more possible duplicate or incorrectly entered data entries for your credit card transactions. Because Instant Accept syncs all transactions directly with QuickBooks data and sync other transactions with Quick Books Online easily with our Gateway Sync feature. Instant Accept gives you the capability to do the same things you would do in QuickBooks.  For example, you can create new invoices and new customers right in Instant Accept and will sync back with your QuickBooks data. View a DEMO of Instant Accept Online and Sign up for a FREE Trial Today or Contact Us Today! (855) 220-2840.

Start Running Your Business, Not Your Bookkeeping

With Instant Accept you can know that your customer data is safe and secure within a PCI Compliant environment. Fewer hassles, better security, and freedom to grow. Run your business the way that you want to. Why not get started now by clicking the sign-up button below! Do it today!
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