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10 Terms & Contract Month-to-Month / No cancel Fee
10 Competitive Advantages Free Virtual terminal / Next Day Funding

Updated on November 22, 2021

MerchantWare® Payment Gateway, Renowned for Handling Payment Transactions Securely and Reliably.
By David J. Carter

MerchantWARE Payment Gateway, 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 Payment Gateway 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 Payment Gateway security through SSL, tokenization and end-to-end encryption. Transport.web enables you to operate your online transactions within PCI DSS regulations without incurring any additional costs.

Mail Order/Telephone Order (MOTO)

Sometimes you may receive Payment Gateway 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 Payment Gateway transaction is a transaction where the card is not physically swiped through a terminal.  This type of Payment Gateway transaction can include those conducted by telephone, fax, mail order, and internet or secure email.  Unlike a card-present Payment Gateway transaction in which the Issuing Bank is liable, for a  MOTO Payment Gateway transaction, the Acquiring Bank is liable.

MOTO Payment Gateway transactions are performed by keying in the Card number and the Expiry date.  The cardholder’s signature is not required, and receipts are not required to be printed, though it is generally a good idea to print the merchant’s receipt (that is, send it to your e-mail account) just for your own records.

Payment Gateway Services uses MerchantWare® Payment Gateway, renowned for handling payment transactions securely and reliably.  Working with Cayan allows business owners many attractive options such as chargeback protection, next day funding, and no caps on processing volume.

You’ll find it compatible with most forms of credit, displaying the Visa and MasterCard® logo, as well as credit and charge cards issued by American Express, and Diners Club (perhaps even Japan Credit Bureau [JCB] and China UnionPay [CUP], since they’re now compatible with ATMs for INTERAC, Wells-Fargo, Discover, and many more in more than 141 countries).

They offer:

  • Overnight settlement of funds
  • Immediate online authorization
  • Convenient and Fast through your browser – just log-on and key in card details
  • You can have more than one user on an account without additional cost – great at Events
  • You can see your transactions online
  • You can manage your Administrative Functions to process Voids and Refunds directly

Key benefits

  • Being able to accept these types of card payments will attract people who prefer to pay by credit card (or some debit cards), increasing your sales opportunities
  • Improved cash flow as funds are in your account overnight
  • Easy to set up and minimal training for you and your staff
  • Payments can be accepted at multiple sites, by multiple operators, on just one account
  • No equipment to rent or buy – just use your own computer
  • No need to phone for authorization or deposit receipts in your bank branch
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Mobile Payments

Another solution is 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 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 Cellular Data 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

Founded in 1998, Cayan, formerly Merchant Warehouse 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,