Solutions:
» For Merchants
  · Restaurants
  · Retail
  · Schools
  · Doctors
  · Grocery
  · Lodging
  · Touch Tone
  · Internet
  · Wireless
» For Businesses
  · Trade Credit
  · Level 3 Purchasing
  · B2B Level 2 MOTO
  · EBPP Bill Presentment
  · Recurring Bill
» For Banks
» By Payment Type
  · Visa & MasterCard
  · American Express
  · Discover
  · Debit
  · Smart Cards
  · Contactless
  · Checks
    · Guarantee
    · Conversion

Business to Business Level 2 Solutions

Note: Vantage focuses on B2B processing; services not intended for businesses primarily selling to consumer markets.

Purchasing, Corporate, and Business cards are increasingly being presented for payment of purchase orders and invoices. Without Level 2 processing, these card types can be expensive. Level 2 processing requires that the merchant enter prompts for customer code and tax amount in addition to the standard payment information. A Vantage Level 2 merchant account will help your business manage your Interchange pricing qualification thus lowering your cost of processing MasterCard and Visa transactions.

Level 2 pricing requires use of a compliant system that collects and submits the proper information through Interchange. We offer stand-alone credit card terminal-based applications on a variety of units as well as software solutions for as little as $399. We also offer a full line of eCommerce Level 2 and 3 Internet gateway services for web orders. A personal representative will assist you in selecting the product right for your business. A complete analysis of your card processing and related savings are available by contacting us at 800-397-2380.

When deciding on payment solutions in a "Card Not Present" environment, you will want to work with a professional who can help you address:

• Risk (best practices, fraud, and chargeback risk)
• Technology (acceptance method based on transaction volume and instant fulfillment)
• Rates & Fees (merchant credit and check acceptance cost)

Vantage will provide you with the education to help you safely implement a payment solution that best meets your needs. Accepting credit card transactions when the card is not physically present at the point of sale is risky because all the rules and regulations are written in favor of the cardholder and all risk of fraudulent sales are placed upon the merchant. Remember, credit card transactions are convenient forms of payment, not guaranteed forms of payment, especially when the card is not present and cardholder signatures are not obtained. We recommend that you read the information contained in the resource section of this web site for more information regarding the rules and regulations.

Telephone Order and Internet eCommerce merchants who open a merchant account will need to decide on the best method of accepting credit card transactions. Two factors play important roles in this decision: transaction volume and fulfillment. If product or service fulfillment is instant then you will need to implement an immediate authorization and capture method using server software or a payment gateway. Likewise if your transaction volume is beyond the capacity of manual handling, the same methods would be required. However, for lower volume merchants, some low-tech, low-cost options are available. Regardless of size, we caution merchants to avoid implementing an all-in-one proprietary system in order to avoid expensive lock in if service levels drop or prices increase.

B2B Terminal

Terminal Capture Systems offer merchants a low-cost method of accepting credit cards over the phone, by mail or over the Internet and who can manually process order fulfillment and payments, but who want the added features and rate and risk reductions offered by Level 2 prompts, CVV2, and Address Verification Service (AVS). Terminal systems also work well to obtain authorizations up front while forcing transactions at time of order delivery. Ease of use and set up provides lower development and implementation cost. Integrated printers generate customer receipts and end-of-day batch reports.

B2B Software

There are two choices for Internet eCommerce merchants: 1) purchase, install, and manage your own payment software solution on your server or 2) outsource with a payment gateway provider. Both have pros and cons depending on your technical resources. Vantage offers network compatibility with either. The in-house or outsourced payment processing will interface with your home-grown or store-bought shopping cart that will allow your customers to select their order and payment method. We recommend the following vendors:

• EC-Linx (www.3dsi.com) is the preferred payment-processing service for Level 2 & 3 eCommerce - providing secure, reliable, and easy-to-use payment solutions that capture business-to-business required data for obtaining the lowest possible cost on business, corporate, and purchasing cards.
  
• Go Software (www.pccharge.com) is a leading provider of technology, services, and commerce networks for Internet sites, businesses, and merchants. PCCharge Pro is an award-winning, cost effective solution whether you are a brick-and-mortar store, e-store, or mail-order / telephone-order business.