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Selecting or Changing Payment Processors

Windward System Five uses the Datacap Systems Inc. payment processing software called NETePay. Before any agreements are signed you must ensure that your prospective payment processor is a part of the NETePay card network.

As of April 2011, Windward System Five provides integration for the following networks without added software purchase:

  • Mercury Payment Systems (Canada)
  • Mercury Payment Systems (USA)
  • Sterling Payment Technologies (USA)



Figure 1 shows the supported processors in System Five. The processor networks requiring the added purchase of the NETePay software are indicated. The table for the processors is found in the Setup Wizard under Debit/Credit Card Verification Options.

A list of processor networks compatible with datacap NETePay can also be found at NETePay Certified Network List.

Figure 1 - Processors used in System Five
Figure 1 - Processors used in System Five found in the Setup Wizard.

Questions to consider when choosing processors

Credit Card Processing Questions
  • A payment processor contract should not be signed until some questions have been asked.
  • Request details of Qualified, Mid-Qualified and Non qualifying fees.
  • Some transactions do not qualify for the lowest fee. For example, your ecommerce solution may not qualify and be charged a higher per transaction fee.
  • Determine if a special software gateway needs to be purchased. Processors not in the Supported section of Figure 1 will require the purchase of additional software to integrate with System Five.
Support Questions
  • Does the processor offer 365 days a year support during your business hours?
  • Do they support on holidays?
  • What is the average wait time to speak with an agent?
  • If a batch was not properly closed, how are the payments rectified?
  • What support is given in the event of a network outage?
  • Are transactions backed in an event of a network outage?
  • What backup solutions are provided to process during a network outage? Are there additional fees and do transactions processed across the solution qualify at the lowest rates?
Value Added Service Questions
  • Are real time transaction reports offered through a customizable transaction portal?
  • Does the network comply with Payment Card Industry Security Standards.
Contract Questions
  • What are the cancellation terms of the contract?
  • Is the contract transferable?
  • Are there provisions if the company is closed or sold?
  • Are there processing volume requirements?
select_payment_processor.1301949091.txt.gz · Last modified: 2011/04/04 13:31 (13 years ago) by andrew