Any business wishing to accept credit cards as a form of payment online must obtain a merchant account and a (PCI compliant) payment gateway.
USFSG-Pay™ Payment Gateway is the most advanced and cost effective in the industry. We provide online solutions for mobile storefronts, mail order,
telephone order, call centers, retail and wholesale environments. USFSG-Pay Payment Gateway makes that possible through a variety of merchant tools.
Both large and small companies depend on US Financial Services Group to provide secure, reliable credit card processing & payment gateway solutions. Our
commitment to unmatched value and unparalleled customer service has established USFSG as a premier service provider.
USFSG’s feature-rich gateway service includes a virtual terminal and mobile solution providing you the ability to manually process mail / telephone orders
(MOTO) transactions on any computer or Smart Phone with internet access. If you currently have a merchant account, USFSG will have you processing
transactions in as little as 60 minutes.
What is a Payment Gateway and how does it work?
A payment gateway is a separate service and facilitates the authorization and settlement or funding of a credit card transaction. You submit a credit card
transaction on behalf of your customer via the gateway to the processor; the processor submits the transaction to the credit card network; the credit card
network routes the transaction to the customer’s credit card issuing bank; the customer’s bank approves or declines the purchase and passes the transaction
results back to the credit card network; the credit card network relays the results to the processor; the processor relays the results to the gateway and the
gateway stores the results and sends them to the merchant and/or customer.
Virtual Terminal: Enables merchants to process credit card transactions manually on any computer with internet access and a web browser. Transactions are
processed in real-time supported by SSL encryption. USFSG’s Virtual Terminal is the best solution for merchants who manually enter credit card transactions for
phone order / mail order sales. Additionally the Virtual Terminal can be accessed businesses wishing to accept credit cards as a form of payment via a Smart
Phone / iPhone with a web browser. This service expands your mobility and allows you to sell goods and services outside of your normal place of business.
USFSG Shopping Cart: The USFSG Shopping Cart ordering system allows you to create order buttons and/or order forms for your website. When customers
are ready to check out, they will be forwarded to US Financial Services Group to enter their billing information. Therefore, you will not need a secure certificate to
utilize the USFSG Shopping Cart system.
Real-Time Reporting: Provides real-time reports, including charts, graphs and tables which help merchants track sales, transactions and much more.
Unlimited User Access: provides the ability to assign gated access to individual salespeople, sales offices, departments, developers, accounting departments
Automatic Load Balancing: Allows you to process transactions over multiple merchant accounts and or multiple processors.
Custom Dynamic Soft Descriptors: Allow you to alter (per transaction) the description and phone number that is pushed to the customer’s credit card
Recurring Billing: Automate timely and multiple billings for new and existing accounts.
Batch Upload: Allows you to process thousands of transactions at incredible speeds and automatically sort and generate detailed reports.
Easy Integration: Allow merchants of all sizes to easily connect to USFSG’s Exchange Payment Gateway.
Fully Redundant Application: Exchange Payment Gateway utilizes the latest technologies to maximize uptime and minimize outages. With an N + 1
application and network design, Exchange Payment Gateway ensures there will never be a single point of failure.
Credit Cards: Exchange Payment Gateway supports all major forms of credit card transactions including Visa®, MasterCard®, American Express®, Discover®,
Diners Club® and JCB®.
Certified Shopping Carts: USFSG Payment Gateway is pleased to work with a variety of shopping cart providers.
Level III Processing:
Level III Processing, which enables merchants to pass extended transaction data required for certain industries and card qualifications. Level III Enhanced Data
Processing is used by Government and large corporations to make business-to-business and business-to-government purchases. Merchants can use this
enhanced data to better understand purchasing patterns, improve purchasing performance, and monitor employee compliance. The advantages of accepting
purchasing cards are compelling for level III processing and one major advantage includes significantly lower processing fees.
USFSG-PAY™ Payment Gateway Emulator
Payment Gateway Emulator makes it easy for merchants to switch from other gateway providers without having to rework or reprogram their application. The
Emulator automatically understands other gateway formats, interprets their incoming transmissions and responds with their native message. By utilizing the
emulator merchants save considerable time and expense.
Integration Methods from Simple to Advanced
USFSG provides customers with multiple integration methods. We’ve designed integration tools that are easy to understand and implement. From beginners to
advanced programmers, we offer a variety of solutions for all levels of expertise. USFSG has carefully and methodically drafted Application Programming
Interface (API) documentation which reflects our development philosophy – structured, concise and easy to understand. Our API’s give developers the flexibility
and features that advanced programmers require when designing sophisticated applications.
The Verified by Visa® (VbV) and MasterCard® SecureCode™ (MCSC): The Verified by Visa (VbV) and MasterCard® SecureCode™ (MCSC) programs aim
to increase consumer confidence in online shopping and reduce fraud. To encourage VbV/MCSC adoption, Visa and MasterCard offer significant merchant
benefits including: Fraudulent chargeback protection (per the rules of Visa and MasterCard) even on non-enrolled cards, interchange discounts averaging 20
basis points per transaction, dramatic reduction in the fraud screening costs/manual review and expanded internationally with protection.
E-Check: Merchants enabled with the Gateway Electronic Check option have an additional opportunity to grow their business by accepting one of the fastest
growing payment methods in the industry ACH. Virtual Terminal, API, and USFSG Shopping Cart are processing methods supported by our ACH product.
PCI Vault: The PCI Vault was designed specifically for merchants of any size to address concerns about handling customer payment information. The PCI Vault
allows you to tokenize and store your customer’s sensitive payment information securely in our Level 1 PCI certified data facility. Once the customer record has
been added to the PCI Vault, you can then initiate transactions remotely without having to access cardholder information directly.
TransExam™: TransExam is a rule-set based fraud management utility that allows merchants to configure extensive filters to help them in detecting fraud and
screening suspicious transactions. USFSG’s extensive reporting system gives merchants a quick and easy way to review transactions, block suspicious activity,
and zero in on malicious users. TransExam looks at transactions both before and after processing and can decline transactions before and after authorization.
The successful implementation and reduction in chargebacks across numerous merchants has been a testament to the effectiveness of this product.