Card Payments

Mobile Chip and Pin and Contactless Payments

Available utilising a secure Chip and Pin mobile card reader which can process payments via our unique payment and data integration application installed on a mobile device and fully integrated with our payment service.

The complete Keyline Telepay solution is Bluetooth connected to the mobile device and is designed to be used with a small mobile printer that can be configured to produce receipts and other documents related to the payment process.

The Pin entry Devices are configured with unique encryption keys to ensure the integrity of each transaction and its identity is also established with our payment system so you can be sure of the security of your customer’s data.

This solution is designed to work where payments are to be taken with the card holder present and, ideally when in the vicinity of a WiFi signal or the Mobile device’s data signal. It is especially designed to cope with payments being made in public transport environments.

Does your organisation transact card payments legally ?

One way to ensure PCI Compliance is to take the responsibility of storing, transmitting and processing cardholder data out of the hands of the organisation.

This can be done by implementing a secure voice transaction service, during Cardholder Not Present (CNP) payments.

Keyline’s PCI-DSS Level 1 Compliant Card Payment Platforms (Now compliant with the latest: v 3.2) provide exactly this by removing sensitive authentication data from the call platform, customer data is protected and threats to the organisation are reduced at a minimal cost.

Is your call centre accepting credit & debit card payments & PCI compliant ?

Call 0800 077 6311 We can help you to avoid a huge fine or loss of facilities !

https://www.pcisecuritystandards.org/documents/pci_ssc_quick_guide.pdf

 

Online payment systems

 

ACH Payments are electronic credit and debit transfers, allowing customers to make payments from their bank accounts for utilities, mortgage loans, and other types of bills. ACH stands for Automated Clearing House and most payment processors offer ACH payment options to their customers, especially for monthly- and subscription-based transactions. Most payment solutions use ACH to send money (minus fees) to their customers.

 

A Merchant Account is a bank account that allows a customer to receive payments through credit or debit cards. Merchant Providers are required to obey regulations established by card associations. Many processors act as both the merchant account as well as the payment gateway.

 

A Payment Gateway allows merchants to securely pass credit card information between the customer and the merchant and also between merchant and the payment processor. The payment gateway is the middleman between the merchant and their sponsoring bank.

 

A Payment Processor is the company that a merchant uses to handle credit card transactions.

Payment processors implement anti-fraud measures to ensure that both the front-facing customer and the merchant are protected.

 

PCI Compliance is when a merchant or payment gateway sets their payment environment up in a way that meets the Payment Card Industry Data Security Standard (PCI DSS). The PCI DSS standard was created by the Payment Card Industry Security Standards Council to increase security of cardholder data and to reduce fraud.

 

Keyline Telepay can protect your company from huge fines and more for non-compliance.

Compliance

If your business accepts Credit and Debit Card Payments, then PCI-DSS Compliance is Essential For Your Business

Call us today on 0800 077 6311 for a Free Compliance Health Check and avoid a huge fine or even the loss of the ability to transact credit and debit card payments

Use Our PCI-DSS Level 1 Compliant Card Payment services for Your Peace of Mind

Now compliant with the latest: v 3.2

The security of our systems is independently assessed and constantly monitored by our Award-winning Cyber-security consultant organisation.
Our Payment Processing can be simply integrated with your web site, with our fully web-configurable Telephony services, or any combination of these to meet your business needs. Add auto-updating of your CRM program to substantially reduce your administration requirement. Available 24 x 7 so that you can focus on improving profitability and cash flow! Comprehensive reporting included!

PCI Compliant processing and call recording with calls routed to your sales staff, including homeworkers. Tokenisation for repeats and refunds.

Concerned that you might not be compliant in respect of your data capture and storage processes but don’t want to change your Payment Service Provider? Get in touch, we may be able to help!

Call centres

Concerned that your Call Centre might not be compliant in respect of your data capture and storage processes, but don’t want to change your Payment Service Provider?

Get in touch today, call 0800 077 6311, we may be able to help!

Any Call Centre that handles credit and debit card details has a duty to protect their customers from fraud

More than £1.6 million worth of fraud occurs on UK credit and debit cards every day.
A fraudulent transaction takes place every eight seconds.
One in five of the 200+ UK contact centres that took part in a recent ContactBabel survey are not fully PCI compliant.
Build and maintain secure systems.

What are the penalties for non-compliance with the PCI data security standard?

Non-compliant operations may lose the right to accept credit card transactions or be fined.
Mastercard recently updated its merchant compliance plan, with fines for a fourth PCI DSS violation now ranging up to $400,000 for non-compliant merchants.
In February 2015 an online travel insurance company was fined £175,000 for storing data in a manner that breached PCI DSS requirements. The data including names, payment card details (including CVV and expiry dates), dates of birth, address, email addresses, phone number, travel dates and destinations and medical screening was stolen by hackers.
Also in February, Islington Council was reprimanded for three serious data breaches in the course of a year; one resulting in a £70,000 fine. The ICO found that the Council failed to disable call recording when bank details were being given. They also identified failures in protecting staff access to sensitive data and discrepancies in server access requests.
Future standards of PCI DSS will undoubtedly be more stringent, with concomitant naming and shaming of non-compliant brands in the press. Avoid these headaches and make sure your business has robust processes in place to protect your profits and customers.

The security considerations

PCI compliance is about more than just securing your systems and encrypting your data.
In many ways, those are the easy parts. Where those systems and data come into contact with humans is the weak point. In a complex operational environment, where hundreds of people might be coming and going every day, proper security procedures are absolutely essential.

Want to automate card payments from web or by telephone…

“Want to Automate Card Payments from Web or by Telephone/IVR and Full Back Office Integration? Here’s the Solution!”

Ring Now 0800 077 6311

 Automated Credit & Debit Card Processing 24/7

by Telephone & Web Security/Compliance 

PCI-DSS Compliance is Essential For Your Business

Use Our PCI-DSS Level 1 Compliant Card Payment Services

for Your Peace of Mind

Now Compliant With the Latest: v 3.2

The security of our systems is independently assessed and constantly monitored by our Award-winning Cyber-security consultant organisation.

 

  • ​Our Payment Processing can be simply integrated with your website, with our fully web configurable Telephony services, or any combination of these to meet your business needs. Add auto-updating of your CRM program to substantially reduce your administration requirement. Available 24/7 so that you can focus on improving profitability and cash flow! Comprehensive reporting included!
  • PCI Compliant processing and call recording with calls routed to your sales staff, including homeworkers. Tokenisation for repeats and refunds

Concerned that you might not be compliant in respect of your data capture and storage processes but don’t want to change your Payment Service Provider? – Get in touch, we may be able to help!

Getting Started – Merchant Accounts

For us to be able to process payments on your behalf you must either have, or intend to obtain, a Merchant Account with one of the UK’s acquiring banks.

​An Acquiring Bank is one which has the facilities to be able to process card payments for the different Debit and Credit Card Schemes such as VISA, MasterCard, Maestro, Maestro International and JCB.

​The Merchant Account is an agreement you have with the bank that allows you to process card payments and defines the basis on which it will be done.

​A successful application to them by you will result in the issue of a Merchant number which we can use to process payments on your behalf.

​Merchant accounts are generally of two types:

  1. Mail Order, Telephone Order (MOTO) – payments processed during a phone call.
  2. E-commerce – payments originating from web sites or payment pages.

​Both of this type of account are used when the Cardholder is not present at the retailer’s location when the payment is made. These are generally referred to as “CNP transactions”.

To enable that Merchant account for use with our payment service we allocate one, or more, Terminal ID numbers that identifies us as the specific payment provider with your acquiring bank.

There is no limit to the quantity of terminal IDs but it is usual to have one for each different application and service that we may create for you.

Multi Currency options

Whilst merchants in the UK typically trade using Sterling as the currency, there are merchants who take advantage of the Multi Currency options that are available particularly those businesses that trade within the Eurozone where the Euro is predominant.

​Options available include being able to pay the chosen currencies into designated bank accounts or to have it converted into Sterling by your acquirer.

​If you would like some help or advice please do get in touch either by phone, e-mail or the “contact us” form of this website.

​Merchant Location and Disclosure requirements

​Both MasterCard and VISA require that e-commerce and MOTO merchants must display the address, including the country, of their permanent establishment on their web sites at all points of interaction with the cardholder.

​A merchant web address or catalogue must be associated with only one merchant location.

​Note that URLs, Post Office Box numbers, server locations and unassociated warehouses do not meet the requirement. In particular the required details must be displayed on any checkout screen.

​It is NOT necessary to publish the house number or street where the merchant conducts business from their personal location.

​If the MOTO merchant does not have a web site the cardholder must be notified of the required details before a transaction takes place.

Applications

  • Call Centres
  • Technical Support
  • Vertical Markets
  • Charities
  • Bailiffs
  • Debt Collection
  • Local Government
  • Racing Tipsters
  • Tarot Services
  • Telecoms
  • Utilities​

Look at the Benefits of Using Telepay to Take Card Payments:-​        

  • Reduction in call centre staffing costs
  • Eliminate human error
  • 24 x 7 card processing
  • Accepts all major credit cards
  • Validates payment data
  • Automatically updates debtor software
  • Eliminate human error.
  • Full CRM (Customer Relationship Management) integration.
  • Use your phone, computer or tablet to take card payments 24/7.
  • Fully PCI compliant systems.
  • Greatly reduce administration costs.
  • Card payments can be made by using any touch tone phone 24/7.
  • Automatic Integration with your existing customer record management back-office systems is done in real-time.
  • Email notifications of transactions.
  • Web interface for real time downloadable reports.
  • No need to change existing telephone numbers.
  • How Telepay Solutions Can Help Your Business
  • Accept payment from customers by AUTOMATED phone call.
  • Improve customer service and convenience.
  • Accept payments, 24/7 worldwide.
  • Decrease customer on-hold times.
  • Accept thousands of payments per hour.
  • Have the capability of an enterprise-level system without the equipment and programming costs.
  • Reduce staff costs.
  • Real-time credit and debit card processing.
  • Personalised scripting and voice prompts.
  • Bespoke validation routines.
  • Secure internet access to real-time transaction logs.
  • Automated export file with transaction history supplied daily.
  • Configurable IVR Telephony for greater flexibility.
  • Maintaining your existing merchant account provider.
  • Increased cash flow.
  • Enhanced productivity of current staff.
  • Improved customer service.
  • Extends payment receiving capability.
  • Competitive advantage.
  • Unlimited number of telephone lines

 

How This Works
Callers are answered using your company name and proceeds to prompt your customer through each stage in order to make the transaction. Each of these stages being tailored to your own specific requirements allowing you to determine which options your customer/debtor is given and what information they receive.

Validation of your account references or outstanding invoice numbers is also built into the system.

Should a customer/debtor forget their unique reference number TELEPAY provide a “ Look Up “ facility in order to retrieve this whilst making the call.
Approval
This Telepay service has been approved for use by the following Acquirers on behalf of their merchants:
Barclaycard Business – Multicurrency.
HSBC – Multicurrency.
First Data Merchant Services – Sterling/Euro/$USD.
Lloyds TSB – Sterling/Euro/$USD.
Royal Bank of Scotland – Sterling.
Worldpay – Sterling.

 

 

Improve customer services, eliminate human error by automating inbound card payments by telephone & web 24/7

Improve Customer Services, eliminate human error by Automating Inbound Card Payments by Telephone & Web 24/7

Recoup technical support costs by introducing a telephony PIN code system

personal identification number (PIN, pronounced “pin”; often redundantly PIN number) is a numeric password used to authenticate a user to a system

Provide your customers with Telephone Pin Codes on a prepaid or automated credit and debit card pay as you go basis.

Calls are routed to predefined employees at home or at offices around the world.

There is no hardware to purchase and you can be up and running within minutes.

To discuss your requirements, please call Keyline Business IT on telephone number 0870 124 0870 or by Email to sales@keylinecom.com

Source – https://www.linkedin.com/pulse/why-give-technical-support-away-free-introduce-pin-code-williams