Payscout’s Paywire Gateway: Features, Updates, & Enhancements

This article will be continually updated whenever any updates are made to the Paywire Gateway, to ensure that you have the most up-to-date information at all times. 

Payscout’s Paywire Gateway is an ecosystem of payment solutions designed to increase conversions, enhance compliance, and lower processing costs.

Conversions

From multi-channel processing options including API, Virtual-Point-of-Sale (VPOS), Off Site Buy Page (OSBP), OCX Desktop, Software Integration, and more — to standard and alternative payment methods from Visa, Mastercard, and American Express to Boleto Bancário, UnionPay*, Check 21, ACH, remote check capture, and many more — the Paywire Gateway is designed to help merchants process more payments in more channels with more methods. 

See below for updates on Conversion Solutions including Recurring Payments, Customer Vault, UnionPay, and Brazilian Credit Cards and Boleto Payments.

Compliance

Paywire is a Level 1 PCI DSS-compliant payment platform that is designed to reduce the scope of our partners’ PCI compliance. From PCI-validated point-to-point encryption (P2PE) to  360° Fee-Free solutions which comply with Federal Law, State Law, and Card-Brand rules — we are always adding new features and enhancements to the Paywire Gateway, but compliance is the foundation that underpins our solution, and every new channel or method we add is a new protected part of the Paywire ecosystem. 

Costs

Our 360° Fee-Free Payments was designed with compliance in mind, and in addition to providing significant reduction to a merchant’s payment processing  costs, it eliminates worry about lawsuits, fines, or merchant cancellation. Our solution includes support for Credit Card, Debit Card, and ACH Processing. We’re now rolling out a Cash-Discount beta product which was again designed explicitly to comply with Federal, State, and Card-Brand guidelines. The Paywire Ecosystem was designed to provide fully-compliant solutions that help merchants cut processing costs securely and without compromising the business. 

We’re always working on adding new features and enhancements to the Paywire Gateway. To ensure that you’re aware of these updates, we have compiled an overview of the key highlights below.

*Payscout is a Principal Member and Global Acquirer for UnionPay International.

General Enhancements:

  • Brazilian Credit Cards and Boleto Payments
    • Users now have the ability to process Brazilian credit cards and Boleto payments on the Paywire Gateway.
    • Celer credit card integration is implemented via API, OSBP and VPOS. The integration supports the following functions: Sale, Refund and Void, Recurring, Tokenization, and Customer Vault.
  • UnionPay Integration
    • Paywire’s UnionPay integration is implemented via API, OSBP, and VPOS. This integration supports complex OSBP scenarios such as one-time sale, token, multi-currency, and multi-language.
    • The UnionPay integration supports both UnionPay SecurePlus, as well as standard processing without an SMS code.
    • Recurring payments are possible without an SMS code. This is handled by conducting the initial payment using SecurePlus to create a token, and then conducting the subsequent transaction with non-SecurePlus.
  • ACH Rejected Transactions
    • Rejected transactions have now been added to the ACH returns report. Previously, users could only access these transactions via API or transaction search.
  • Cash Discount (Beta)
    • Custom reports for Cash Discount have been created for customer reconciliation.
    • Special statements specific to Cash Discounts are also available now for CD customers.
       
  • Remote Check Capture
    • Remote Check Capture (RCC) functionality has been added to the Paywire Gateway.
    • RCC is a new transaction type, which is affected by sending an ACH transaction with a different SEC code. This in turn is converted into a Check 21 transaction, which is subject to more business-friendly rules as compared to ACH.
    • The RCC functionality is applicable to both API and OSBP.
  • Recurring Payments
    • There are now 3 options for setting up recurring payments (previously only option 1 was available): 
      1. Process a $1 transaction and void it prior to setting up the recurring payment, in order to verify card validity.
      2. Send a card verification request to the card brands to verify card validity.
      3. Validate the card number at the gateway level only, according to the standard card number verification algorithm.  
    • All 3 of these options are configurable in the MID configuration in the Paywire gateway. 

VPOS Enhancements:

  • Customer Vault
    • The ability to assign a customer’s name to the payment record has been added to the customer vault, to help enhance reporting.

Additional detail is available through your relationship managers. If you would like further information or have any questions, please contact rm@payscout.com and we will be happy to assist you.

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