Updated on January 7, 2022

MerchantWare® Cayan Mobile Provides a Free Application To All Merchant Customers With No Gateway or Cellular Access Fees. By David J. Carter

Working with Cayan Merchant Ware Mobile allows business owners many attractive options such as chargeback protection, next day funding, regular pricing, no caps on processing volume, real customer service, and the additional security and peace of mind that comes with working with a processor that understands the credit card processing industry from top to bottom.

Merchants are enabled to conveniently process real-time credit card transactions on the road from any location connected to a Wi-Fi, Edge or 3G network.

Mobile Payments

Cayan, formerly Merchant Warehouse provides the ability to be able to accept payments out in the field.  Let’s say you’re working a Trade Show, or one of your sales representatives is visiting a customer in person.  In that case you can obtain a tablet/smartphone card-reader (aka slider) for the Genius system which allows you to securely accept credit cards or debit cards on the go.  As long as you have Wi-Fi, EDGE or Cellular Data (3G network) available it’s just as if you were using a hardwired unit in your store.  You slide the card, fill in the amount, and pass your phone or tablet to the client so they can sign with their fingertip (or enter their PIN number)!  There is even an area where they can add a tip, if they’re so inclined.

The customer data is never stored on your device; rather it is encrypted, tokenized and sent securely so that even if the data were intercepted it would be completely unreadable.

The Advantages

  • You can Swipe or Key-in the information
  • Compatible with most Apple or Android Smartphones &Tablets with Wi-Fi or 3G capability
  • Includes a Virtual Terminal to key in the data if the card is unreadable
  • FREE application – no need for an expensive wireless terminal
  • No gateway or cellular access fees
  • No contract, termination or annual fees
  • Handles both credit and debit cards

Fixed or mobile it has the same advantages

MerchantWARE Mobile, a FREE virtual point-of-sale software application for Android, Blackberry, iPhone, and Windows is exactly what you need.  It is a PA-DSS validated and fully web-based, offering a transaction processing solution over a secure internet connection.  That means you can work in any environment where you can get a connection to the web.

More importantly, it gets PCI compliance out of your hands or “out-of-scope”.  Using a Transport Platform means the customer’s data is safe and away from your point-of-sale (POS) system, providing enhanced security through SSL, tokenization and end-to-end encryption.  Transport.web enables you to operate your online store within PCI DSS regulations without incurring any additional costs.

It accepts credit cards, signature-based or PIN-based debit cards, EBT (Electronic Benefit Transfer), and Gift/Loyalty cards.  It processes regular and recurring transactions such as voids, refunds, tip adjustment, and repeat sales securely using tokens, so if the data is illegally intercepted after it leaves you, it is completely useless.  It also eliminates on-site storage headaches for the merchant.

It supports batch processing and multiple user login access for enhanced account and user management as well as real-time reporting, sorting and filtering options for advanced transaction reporting.  The in-house technical support will see to any difficulties you may have and there is 24/7 emergency support for you.

  • FREE application – no need for an expensive wireless terminal
  • No gateway or cellular access fees
  • No contract, termination or annual fees
  • Supports most mobiles devices

History

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Cayan

Founded in 1998, Cayan was set up to help businesses process transactions economically, without the high expenses that predominated at the time.  They sought to provide the ability to purchase a credit card machine, open a merchant account, and process credit card sales while providing superior customer support.  This was unheard of at the time, and caused a cascade effect that has changed the industry.

Over the last few years many new methods of paying for goods and services have evolved.  Whether it’s conventional credit cards, signature capture, EMV, debit cards, NFC smartphones, QR codes, PayPal, eWallets or Bitcoins makes no difference.  If there is a way to pay, people are going to start using it, and a future-proof system needs to have a way to accommodate it.  Value-added offers such as Loyalty and Reward programs have sprung up everywhere; everyone is climbing on the bandwagon with new ways to enhance the selling and purchasing experience.

As Cayan says:

Our vision is to revolutionize the payments solution industry by providing innovative technology solutions and transparent services to simplify and increase the flexibility and value associated with the merchant-customer payment process and experience.

Honors and Awards

The Stevie Awards for Sales & Customer Service are the world’s top sales awards, contact center awards, and customer service awards. The Stevie Awards organizes several of the world’s leading business awards shows including the prestigious American Business Awards™ and International Business Awards™.

This will be added to their collection of the ETA 2009 ISO of the Year, Business Solutions’ Best Channel Vendor for 2009 & 2010, their two Boston Business Journal Pacesetter Awards, and most recently, a Gold Stevie® Award in February 2014 in the Customer Service Management Team of the Year category as part of the eighth annual Stevie Awards for Sales & Customer Service.

  • BBB Rates them at A+, the highest possible score
  • To a casual observer Cayan seems interested in giving back to the community. Their policy tells the story that “Each year our team raises tens of thousands of dollars for local and national charities they support and nominate.  Best Buddies, Pine Street Inn, Cradles to Crayons, Greater Boston Food Bank, Jumpstart, Habitat for Humanity, Leukemia & Lymphoma Society, Cystic Fibrosis Foundation, and Mothers Against Drunk Driving are just a few of the hundreds of non-profits our team has supported to date.”

They continue by relating how they create charity teams on a quarterly basis which work in outreach and initiatives to raise cash for specific non-profit organizations.  “Our current partner,” they say, “is the Wounded Warrior Project, whose mission is – “To honor and empower wounded warriors”.  For example, all fundraising efforts in Q2 2013 will assist Wounded Warriors with their purpose of:

  • Raising awareness and enlist the public’s aid for the needs of injured service members;
  • Helping injured service members aid and assist each other; and
  • Providing unique, direct programs and services to meet the needs of injured service members.

Products and Services

In 1998 Cayan made the ability to use credit cards accessible to many small businesses formerly kept out by the immense costs involved.  They set the new standard by getting expenses down to a manageable level that knocked the credit industry on its ear.  They’re set to do it again with their current products and services.

Do you have a Brick & Mortar store?

The Cayan Genius Customer Engagement Platform is destined to change the industry in a wonderful way.  This system can aggregate and integrate the whole crop of new payment techniques and is ready to adopt new ones as they arise.  It’s scalable for the future to support growth.  You benefit from the moment you install it with lower transaction costs and reduced liability for accepting credit payments.  Intelligent PIN-steering technology directs the process to the method with the least cost per transaction.  Using Genius offers relief from costly 3rd party gateways, simplified PCI-compliant validation, and digital receipt management with signature capture, integrated PIN-debit functionality, and state-of-the-art countertop machines with full color HD screen.

But it doesn’t just accept payments – it is a flexible solution that provides access to multiple payment types, makes record keeping a breeze, and minimizes security risks.  It reduces costs for accepting credit payments, and can accept future payment types without antedating your equipment investment.  Best of all it allows you to offer a Big Box Store experience to your customers with little to no extra costs.

Customers love to save money and spent $5.4 billion last year through mobile coupons.  The number should hit $43 billion, eight times more, by next year.  You could use SMS PUSH services to put a coupon on your customer’s phone while they’re in or near your store, when they’re most likely to purchase.  When they’re paying the bill, Genius can present an offer of saving for their next visit.  Loyalty programs get you more business.

Mail Order/Telephone Order (MOTO)

Sometimes you may receive an order by traditional mail – you know… the kind where a postal carrier with bags of letters comes right to your door or mailbox?  Or sometimes someone may elect to phone you directly at your place of business to place an order.  How will you handle that?

A MOTO transaction, also known as a Card Not Present transaction is a transaction where the card is not physically swiped through a terminal.  This type of transaction can include those conducted by telephone, fax, mail order, and internet or secure email.  Unlike a card-present transaction in which the Issuing Bank is liable, for a MOTO