The Convenience Fee Conundrum

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Convenience Fees are an attractive solution for boosting your bottom line, but if you’re not careful, they can cost you your ability to accept payments altogether.

In the accounts receivable management (ARM) world, convenience-fee payment models are growing in popularity, and for good reason: When applied correctly, they have the ability to reduce a merchant’s payment processing costs significantly by charging the consumer or debtor a flat fee for the convenience of accepting payments online or over the phone (depending on the consumer’s/debtor’s State of residence).

What many collection agencies may not realize is that convenience-fee solutions are the subject of serious scrutiny from compliance experts (and enforcers), and if they’re not properly applied, they can cost the merchant their ability to accept payments altogether. Having their merchant accounts closed, being blacklisted, and being cut off from their banks are just a few of the potential hazards for a merchant who deploys this model without doing their due diligence.

Here is what you should consider if you’re thinking about offering some type of convenience fee solution:

Convenience Fees and Compliance

There are two layers of compliance that a merchant must consider if they are using a convenience-fee model: Operating in accordance with the Fair Debt Collection Practices Act (FDCPA), a federal law that governs the practices of third-party debt collectors, and Compliance with Card-Brand (Visa, MasterCard, American Express, etc.) rules.

FDCPA guidelines prohibit “the collection of any amount (including any interest, fee, charge, or expense incidental to the principal obligation) unless such amount is expressly authorized by the agreement creating the debt or permitted by law,” 15 U.S.C. 1692f(1). However, a third-party vendor, in most cases a payment processor, can charge the fee because that vendor is not subject to FDCPA, which only applies to third party debt collectors.

Most of the payment processors who offer convenience fees are doing so in compliance with FDCPA requirements. From the card-brand perspective, however, there is a set of very specific rules pertaining to added charges such as convenience fees, Visa’s being the most restrictive, and many popular solutions are not in compliance with these rules.

Visa defines three main types of fees: Surcharges, Convenience Fees, and Service Fees, each with their own set of restrictions. In the US, a Merchant that charges a Convenience Fee must ensure that the fee is assessed as follows:

1)  Charged for a bona fide convenience in the form of an alternative payment channel outside the Merchant’s customary payment channels and not charged solely for the acceptance of a Card

2)  Added only to a Transaction completed in a Card-Absent Environment

3)  Not charged if the Merchant operates exclusively in a Card-Absent Environment

4)  Charged only by the Merchant that provides goods or services to the Cardholder

5)  Applicable to all forms of payment accepted in the payment channel

6)  Disclosed clearly to the Cardholder:

– As a charge for the alternative payment channel convenience

– Before the completion of the Transaction the Cardholder must be given the opportunity to cancel.

7)  A flat or fixed amount, regardless of the value of the payment due

8)  Included as part of the total amount of the Transaction and not collected separately

9)  Not charged in addition to a surcharge

10) Not charged on a Recurring Transaction or an Installment Transaction

It’s the fourth and eighth items in this list that can, together, compromise a merchant account quickly: Convenience fees have to appear (and be processed and authorized) as a single transaction by the merchant of record.

As you are reading this, if you’re currently deploying or considering a convenience fee model that involves running the fee as a separate transaction, you may be at risk of losing your merchant processing account.

Fully compliant programs do exist that can minimize your business risk while reducing your payment acceptance costs.

Click here to learn more.

Four Big Challenges Facing Healthcare Companies

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The healthcare industry is growing increasingly complicated. Providers are often operating at the intersection of complex IT and billing solutions, competing state and federal policies, and the ever-evolving data-security landscape.

While this operational complexity can seem daunting, a recent survey has shed light on the various challenges facing the industry today, as well as issues that healthcare servicers will encounter in the future.

A 2018 Healthcare Business Strategy and Technology Survey polled the nation’s leading healthcare providers to reveal insights, challenges, and strategies related to topics such as healthcare payment processing, data security, billing and coding, and others.

Survey respondents included:

  • Healthcare collections facilities (50%)
  • Multi-location hospitals with shared service centers (25%)
  • Single location medical practices (25%)

The survey revealed the following challenges:

Payment Collections

Respondents said that patients’ inability to pay is the biggest challenge they face when it comes to revenue reconciliation. Respondents also noted that a lack of payment channels can also hamstring healthcare operations, including an absence of online payment portals, virtual assistants, or hospital staff to assist patients.

When it comes to payment processing and collections, 90% of respondents said they accept electronic payments from patients, including credit cards and debit cards as well as health savings or flexible spending accounts.

Integrating IT solutions like accounts receivable collections software into your healthcare organization can help alleviate some of the billing pains associated with patient checkout and payment collections. Accounts receivable collections software can also ensure that financial transactions are secure, efficient, and provide real-time data.

Innovative Payment Options

The survey also revealed that web payment options are increasingly important for healthcare providers. More than 60% of respondents said their institution or organization plans to add web payment options within the next 12 months.

Additionally, approximately 25% of respondents said they plan to add automated payment options to their phone system. This was an increase of 12% from last year.

Interactive voice response options, such as virtual assistants and intelligent automation, increased from last year as well. According to the survey, an estimated 50% of healthcare providers reported using or planning to adopt automated response systems, which is an increase of 7% from last year.

HIPAA Compliance

Regulations stipulated under the Health Insurance Portability and Accountability Act (HIPAA) are a big deal for healthcare providers, according to the survey. HIPAA rules are extremely complex but are intended to protect patients’ medical records and personally identifiable information. In fact, a majority of survey respondents ranked HIPAA compliance and reporting requirements as the top two factors when choosing a payment processing service.

Documentation

Although documentation practices such as coding and billing weren’t discussed in the survey, insufficient or inaccurate documentation can lead to huge headaches for both the patient and healthcare provider. An estimated 80% to 85% of denied claims stem from incorrect documentation. Essentially, insurance companies can deny claims if bills and medical records are not coded to complete accuracy.

About Payscout

Payscout is a trusted, global payment processing provider working across six continents and connecting merchants and consumers via credit, debit, ATM, and alternative payment networks. Payscout makes it easy to manage payments on-site and across online and mobile platforms. Payscout even offers customized API connections for international payment processing and integrates with over a dozen software applications. If you work in a healthcare environment, Payscout’s mobile payment processing services can help drive revenue efficiently and securely.

Learn more about the importance of payment processing systems at www.payscout.com

 

Protect Your Business with Payscout’s Check Protection and Verification Services

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In the age of cashless checkouts, mobile wallets, and wearable payment devices, there might be a tendency to neglect some of the seemingly “antiquated” forms of payment, including good old-fashioned checks. Although many checks are submitted electronically in the form of an electronic funds transfer (EFT) or automated clearing house transfer (ACH), some people still prefer paper checks, especially when they can avoid convenience fees.

Payscout offers check protection and verification services that can complement your existing electronic payment processing system or accounts receivable collections software to ensure all of your financial operations are secure and accurate, whether you operate domestically or internationally.

Payscout services include:

Check Verification

Payscout offers a variety of check networks that allow you to evaluate the risk of a customer’s check. You can determine if the customer has any outstanding bad checks, a history of bounced checks, or any negative accounts. This service is often used by smaller retail institutions and comes with a small transaction fee.

Check Guarantee

For even greater security, Payscout offers a check guarantee service, even if the check initially bounces. You simply enter the check writer’s identifying information, and a third-party guarantee company will respond and inform you as to whether or not it will guarantee payment. If approved and the check bounces, you can send the check to the guarantee company and receive reimbursement.

Electronic Check Conversion

This service allows you to convert a paper check into an electronic transaction that is guaranteed as long as you follow required procedures. When you opt to convert a check to an electronic transfer, Payscout returns the paper copy to the original writer or they void the check and send it to the check processor. The funds are then deposited electronically into your checking account.

Electronic check conversion provides the highest level of protection against insufficient funds and can also eliminate trips to the bank as well as simplify the reconciliation process with your financial institution.

These services can help secure and streamline payment processing across sectors and even countries. For example, if you are expanding your business overseas, an electronic check conversion service is a secure way to verify that an account is open, valid, and in positive standing and streamline international payment processing options.

Check protection and verification has wide applications for the healthcare industry, too. Providers can easily enhance their existing healthcare payment processing and increase the efficiency of their accounts receivable operations. This service will help reduce the amount of time tracking down patients with bounced checks and also provide access to patients’ issuing financial institution.

Learn more about opportunities to enhance your existing payment system with check protection and verification options at www.payscout.com

Is the Wallet Card the Credit Card of the Future?

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If you haven’t heard of the Wallet Card yet, chances are you will soon. Unveiled in early 2018 by Dynamics and Visa, the Dynamics Wallet Card™ has been generating an impressive amount of buzz. It’s been written up in numerous articles and has won several awards. One of those was the 2018 Best of Innovation Award at the Consumer Electronics Show in Las Vegas, widely considered the consumer electronics industry’s most prestigious award. It’s the first time a payments consortium has won it.

That’s a lot of exposure and expectation for any new product or technology. All too often, products that are subject to that much hype wither away into obscurity under the glare of that much scrutiny and anticipation. So what is the Wallet Card and will it be the “next big thing” in consumer finance?

What the Wallet Card Is and Does

The Wallet Card has the capacity to be all of your payment cards: debit, credit, pre-paid and one-time use, even branded loyalty and gift cards, all in one. A digital display and two-button interface allows users to toggle between accounts and cards instantly.

So how will this impact international payment processing? Only time will tell. But with partnerships with leading banks and communications corporations all over the globe, the Wallet Card is being billed as a virtually universally-accepted form of payment.

The Wallet Card is linked to the internet of things with both a cell phone chip and antenna, which is said to allow it to communicate with and transfer money between the user and their bank anywhere on the planet, at any time.

That connectivity also means the instant issuance (and registration) of new cards. For instance, after the deletion of a compromised card number, one could expect near-immediate reissuance of an uncompromised card.

Robust security and instant reissuance could certainly prove a selling point, as almost 50% of cardholders in the U.S. have to have at least one card reissued every year. And conveniently, all of that tech is powered by a self-charging battery, which means no loss of payment method at inconvenient times or daily charging.

Is It Going to Replace Plastic as We Know It?

Perhaps unsurprisingly, there’s considerable disagreement on the answer to this question from those predicting the future of commerce and finance. One camp, those skeptical of the Wallet Card’s future status as the revolutionary smart card, has pointed out that mobile digital wallet platforms already exist. There is any number of digital wallets available as apps or built-in features of smartphones that can do most everything the Wallet Card does, and they’ve been around for a while.

Wallet Card proponents counter that existing digital wallets don’t enjoy anything like universal acceptance from vendors, particularly since so many of them rely on near-field communication (NFC) to transmit payment info. Additionally, the Visa-branding and support from global financial heavyweights should guarantee the quality, consistency, security, and acceptance of the Wallet Card.

Even those who doubt that the Wallet Card is going to become the end-all, be-all of mobile payment solutions admit, however, that at the very least it will have niche appeal. People will appreciate that it doesn’t need to be accessed or managed through an app, and doesn’t have to be charged.

Regardless of if the Wallet Card takes off or fizzles out, it’s important to work with a global payment processing provider you can trust for everything from healthcare payment processing to international payment processing. Payscout is an international payment processing solution provider who can help entrepreneurs and domestic U.S. merchants navigate complex compliance solutions. Beyond processing payments on six continents, Payscout offers a wide array of financial solutions, including their mobile web portal, Condor, which facilitates bill-payment transactions.

About Payscout

One of the most respected, successful, innovative, and forward-looking thought leaders in the financial services industry, Payscout has consistently earned their way onto lists of America’s fastest-growing private companies every year since 2014. Among the state-of-the-art suite of user-friendly tools they offer is their lauded accounts receivable collections software. All of which works in service to their mission statement, “Payscout supports the entrepreneurial dream one transaction at a time.”

Discover how to grow your business at www.payscout.com

Payscout specializes in providing best-in-class payment processing solutions for the ARM industry

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Payscout specializes in providing best-in-class payment processing solutions for the accounts receivable management (ARM) industry. These solutions have helped Payscout’s top ARM clients grow more than 33% year-over-year.

Payscout, a leading payments innovation company, provides solutions that power entrepreneurs in a myriad of industries, from retail, non-profit, money services businesses (MSB), and even marketplaces.  One of the verticals in which Payscout’s partners thrive is the accounts receivable management (ARM) industry.  Accounts receivable, as a whole, plays a critical role in a credit-based economy.  The entrepreneurs who support the system provide reliable, efficient payment mechanisms to enable frictionless debt payments.

The reason Payscout’s ARM partners thrive is because their technological solutions are built on Integrity and Trust, Reliability, and Innovation.  In the ARM space, innovation enables more efficient payments, and as a market-leader in innovative payment solutions, it’s no surprise Payscout’s partners continue to thrive.  Payscout’s helping their top partners in the ARM space grow by over 33% a year.  Are you ready for that kind of growth?

Contact Payscout today for your free rate analysis and to learn more about our ARM solutions!

Topics: Global eCommerce, Credit and Debit Card Processing, ARM

How Payscout Is Committed to Making Payment More Secure with Tokenization

Young Smiling Business People At Work In Office. Portrait Of You

Payscout has long been committed to driving and supporting innovation in the payment processing industry. Much of that innovation has been dedicated to payment platforms (including those in revolutionary new channels like virtual reality) and establishing the most user-friendly suite of global payment processing tools.

However, they recognize that as important as those advances are, the most cutting-edge services and intuitive tools in the international payment processing space are not of much use to consumers and partners if they aren’t secure. It is that understanding that has inspired them to develop security measures, like Tokenization, as trustworthy, advanced, and dependable as their payment processing solutions.

The Tokens

It turns out that the best way to protect information from hackers and cyber-criminals is to remove that data altogether. No one can steal, destroy, damage, or compromise what isn’t there. Of course, previously this strategy suffered from a pretty significant drawback: eliminating payment data from a network meant that while the malicious and criminals couldn’t find it, neither could anyone else.

Enter Payscout’s Tokenization security system. Tokenization works by taking even the most sensitive payment data, like healthcare payment processing records, and replacing that data with a different, unique identifier, the token. Those tokens are pieces of data generated by proprietary algorithms that are mathematically impossible to reverse.

For instance, if hackers managed to break into the accounts receivable collections software of a participating merchant working with Payscout, they would only have access to the tokens. Although the tokens had replaced the payment card data, they would retain none of the information that was of any use to the intruder, being entirely meaningless to hackers.

The Customer Vault

The data that the token has replaced hasn’t been deleted or destroyed. To ensure that merchants still have access to sensitive payment data without having to store it, as is, on a local database with an unknown level of security, Tokenization is paired with the Payscout Customer Vault.

Information replaced by a token is transmitted through a Secure Sockets Layer (SSL) connection to the Customer Vault. The Customer Vault itself is a Level 1 PCI-certified Payscout data storage center operated by Visa, making it just about the digital equivalent of Fort Knox. The tokens with which the sensitive data have been replaced usually incorporate the last four digits of the card the payment was made with, allowing an accurate and predictable matching of the token with the secure data.

Perhaps most conveniently, the token isn’t just an inert stand-in for sensitive payment data. Tokens support the same payment actions and checkout models as the actual cardholder information would, and the merchant can initiate transactions remotely without risking access to the card’s number or other private information. Practically, it means that Payscout offers their partners exceptional safety and security without sacrificing convenience.

Learn more about Payscout’s innovations and user-friendly platforms, at www.payscout.com

3 Ways to Win Larger Clients in ARM

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Payscout has provided secure, stable payment acceptance options to the ARM industry for over 10 years. Our team of industry specialists includes former Collection Agency owners, so we understand how important (and how challenging) it is for you to land those larger clients that are medical facilities, telecom providers, financial institutions and more.

Here are three key ways our domain expertise in ARM can help you land those larger clients and keep your business growing.

 Software Integrations

 If you want to win larger Accounts Receivable clients in the medical, telecom, and financial institution/credit union verticals, it helps to offer integrations with the preferred software vendors in those respective business-types. A good example is Epic Systems, one of the largest healthcare software companies in the world. To give you a sense of scale, the hospitals that use their software hold the medical records of 64% of patients in the United States and 2.5% of patients worldwide. If you want to land a large healthcare system and manage their Accounts Receivable, there is a good chance they’re already using Epic, and so you need to ensure you can integrate with that platform.

Epic is one of over a dozen leading software solutions with which Payscout is already integrated. Other integrations include Ontario Systems, Bloodhound, Quantrax, Columbia Ultimate TCS, Healpay, Latitude, Applied Innovation, DebtMaster, KG Hawes, Lariat, InterProse ACE, Cyclone, CSS Impact, CollectOne, Collect!, and many more. Plus, our skilled development team can help you to build connections between your platform and the ones your clients use.

Our award-winning, Level 1 PCI-compliant gateway is a fully-integrated solution with a simple, secure API to seamlessly connect you right to the software platforms. The feature-rich options in our payment gateway enable you to sell improved operational efficiency and enhanced reporting to win those larger clients with the proper software integrations to get your foot in the door.

RegTech (Regulatory Technology)

 For good reason, large companies are extremely concerned about regulatory changes that could adversely impact their business. The larger the company, the more complex the issues they’re facing, particularly at a State government level: Most large telecom, medical, and financial institutions operate in a multi-state capacity, meaning collecting on their behalf requires compliance with each State’s respective regulatory requirements. Layer onto those challenges oversight from the Federal government, regulatory requirements from bodies such as the Bureau of Consumer Financial Protection, and compliance with legislation like the Fair Debt Collection Practices Act (FDCPA), and ensuring you can help protect yourself and these large clients can seem an overwhelming challenge.

Fortunately, Payscout frequently and actively engages key stakeholders on Capitol Hill – from the lawmakers themselves, to the trade associations representing our industries, and representatives of the myriad regulatory bodies whose work impacts the debt collection industry. Our experienced team includes long-tenured members of ACA International, the Association of Credit and Collections Professionals and the Electronic Transactions Association (ETA) – and they hold key leadership positions within these associations. We leverage these relationships to proactively refine and evolve the policies, processes, and systems that constitute our RegTech solution for secure payment processing.

All of this means you can leverage our RegTech solution to more confidently pitch those larger businesses, and ensure you and your clients are protected from regulatory action.

Industry Expertise

 We’re entrepreneurs, just like you, but what sets us apart from the competition is not just that we know how to run a business; we know how to run a business just like yours, because we have.

Our experienced team of ARM industry professionals includes former collection agency owners, so we understand the operational complexities of your business. What we have learned in over a decade serving the debt collection industry is that it is possible to take the challenges and complexities you are facing (integrations and regulatory compliance, as examples) and turn them into strengths on which to sell and prosper.

Payscout’s ARM solution comes complete with everything you need to land larger clients and keep your business growing. Call 1.888.689.6088 or email Sales@Payscout.com to speak to one of our ARM experts.

5 Reasons Your Business Needs Online Bill Payments

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If you are still using the antiquated system of manually entering, calculating, and creating invoices, your business is losing valuable staff time. You’re also losing money.

Enabling automated, online bill payment reduces costs while increasing the probability that you will be paid. Combine your online bill payment portal with accounts receivable collections software, and your business will be streamlined to collect payments quickly and efficiently.

Consumer Focus

Giving your consumers an easy way to pay increases your likelihood of being paid. More than half of Americans pay their bills online, and as the younger generations move into adulthood, this number will continue to increase. Offering an online bill payment option is just another customer service feature that many have come to expect in 2018.

Cost Savings

It costs your business a significant amount to send invoices. According to Sterling Commerce, “manually-processed invoices cost, on average, $30 per invoice to process…while each paper invoice error costs companies $53.50 to rectify.” Compare this to the cost of fully-automated invoices—which according to the same research averages $3.50 per invoice—and the cost savings could rapidly add up.

Environmental Responsibility

For every bill you don’t have to print, that is paper that stays out of a landfill or fire pit. When you utilize online bill payment, information is securely stored month over month, reducing the amount you have to print to next to nothing. Online bill pay is a much better option for the environment.

Automatic Reminders

With online bill payment, you can easily email clients their invoices and reminder notices prior to the due date, giving your client ample time to pay. This is especially helpful in the healthcare payment processing world, as medical bills often take a back seat to other billing priorities. Plus, consumers can set up recurring bill pay to keep them on track with payments.

Increased Accuracy

Accepting online bill payments means the likelihood of errors is dramatically decreased – especially compared to making manual calculations. Reducing errors cuts operating costs and increases your bottom line over time.  

Payscout is Expanding Integration Options for Clients in the Healthcare Industry and Beyond

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Payscout’s recent acquisition of Paywire has significant implications for partners interested in expanding into healthcare payment processing by providing a suite of secure, integrated solutions to streamline operational efficiency and reduce the scope of PCI compliance. The move also gives Payscout customers access to Paywire applications developed in the Epic App Orchard marketplace and the company’s integrated suite of software applications.

Epic App Orchard is, among other things, a testing environment where developers can create and sell apps that interface with other software applications through Application Programming Interfaces (API). APIs allow customers to access interactive sites like Facebook and Facebook Messenger through an app. Epic App Orchard also lets developers test strategies for managing information exchange software in a sandbox environment.

This expanded access is important for Payscout clients across verticals, but particularly those that use healthcare payment processing systems. Healthcare clients manage huge databases of medical and financial information, ranging from patient registration and scheduling to lab results to medical billing. An integrated healthcare payment processing system allows Payscout customers to interface with financial institutions, third-party payment applications, and customer accounts seamlessly through a supported application portal.

With expanded access to Paywire applications in Epic App Orchard’s marketplace and APIs, Payscout can offer customers customized solutions such as fully-integrated billing and payment applications, all supported by Epic App Orchard’s APIs. With more cloud services, expanded mobile software, and access to Epic App Orchard’s APIs, Payscout customers gain more dynamic payment processing technologies and payment solutions that are customized for a specific vertical such as healthcare.

Payscout’s payment processing solutions are fully integrated with over a dozen software applications and offer direct, reliable banking solutions. Payscout’s mobile-enabled web portal, Condor, lets customers pay through a mobile app, and their customized API connection allows for real-time data transfer.

Payscout offers the same support to clients in other verticals, including collection agencies. Payscout fully integrates with over a dozen accounts receivable collections software platforms, ensuring transactions are secure, efficient, and provide real-time data for your business. With over a decade of experience in the collections industry, Payscout delivers fully-integrated payment processing services to help you handle medical or telecom collections, student loan payments, inbound financial transactions, or credit union receivables.

Payscout serves thousands of clients in diverse industries and verticals across six continents and all 50 states. As a licensed E.U. Financial Institution, Payscout has partnerships with global financial institutions across the world. The “Go Global Now” technology platform gives merchants access to over 100 countries, billions of consumers, and valuable mobile markets. As an international payment processing solution provider, Payscout helps entrepreneurs navigate foreign rules, requirements, reporting, and compliance.

Payscout connects merchants and consumers via credit, debit, ATM, and alternative payment networks. Customers can access Payscout’s credit card processing services via a web-based user portal, or call Payscout’s professional service experts.

Learn more about secure and efficient payment processing at www.payscout.com

How Payscout’s Integrated Payment System Can Drive Your Business

 

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Payscout is a leading payment processing provider that connects businesses, consumers, and financial institutions through credit, debit, and ATM networks across the globe.

With integrations for over a dozen software applications, Payscout facilitates electronic payment solutions for all types of business operations.

Utility companies, collection agencies, and global financial firms are just some of the entities that can benefit from Payscout’s integrated processing system.

Enhanced Engagement for Utilities

Utility companies regularly engage with customers through monthly billing, rebates, and online dashboards, all of which give customers more control over their consumption and billing.

Maintaining and strengthening these customer relations is crucial for utility companies, and Payscout’s utility payment processing solution offers enhanced outreach capabilities. Payscout’s integrated payment capabilities can help utility companies maintain efficient operations by providing frictionless payment options. This means that customers can engage through a mobile device, app, or website in order to pay a monthly bill, read up on annual rebates, or check out their monthly usage.

Secure Accounts Receivable Management (ARM) Services

The breadth of the ARM industry requires an integrated payment system equipped to handle complex and multi-faceted transactions. Payscout’s accounts receivable collections software connects collection agencies, merchant and customer accounts, and financial institutions to facilitate fast and secure payments.

Payscout’s integrated system is available in real-time and supports a wide range of industries, including medical, telecom, student loans, and financial institutions.

Payscout’s mobile web portal, Condor, facilitates online transactions, and Payscout offers a direct gateway connection for real-time data transfer. This fully integrated system works with over a dozen software applications, allowing your customers to make payments in new and innovative ways.

Explore Global Transactions

If you’re considering entering global markets, Payscout’s international payment processing system can help you manage foreign credit and debit transactions or expand into offshore markets.

Payscout’s existing locations in Brazil, Canada, the European Union, and United States will help you connect with international merchants, navigate foreign agencies, and develop your services abroad.

Use Payscout to help grow and streamline your business. Find out more at www.payscout.com