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What are Merchant services?

We offer a wide range of the highest quality credit and debit card payment terminals for which we can develop custom payment applications for maximum flexibility.

Pay Facto is much more than a supplier. We are a dynamic, agile and efficient payment processing partner. Our payment software development and terminal certification team is dedicated to helping you quickly and inexpensively build and integrate complex payment processing functions. Whether you are looking for an autonomous, ECR or mobile payment terminal, we will be able to offer you tailor-made solutions adapted to your needs. Discover our tailor-made solutions and see how you could take advantage of our very competitive prices as well as our comprehensive leasing programs which could allow you to reduce your expenses related to the acquisition of equipment.

Online payment

Our digital platform is a completely secure online transaction processing gateway. With an array of flexible options, we set the pace for integration by supporting Web Redirection, Full Integration and Virtual Terminal interfaces.

Risk Management

Our team of experts can help you implement fraud and high risk merchant service processes that will ensure the sustainability of your account in some of the most complex payment processing environments. With our extensive expertise and guidance on using best practices in service delivery and transaction monitoring, we can help you reduce credit card fraud and chargebacks while increasing your sales. .

Merchant rating and customer satisfaction

We are aware of the importance of knowing your customers well to maintain and improve their satisfaction and loyalty. To this end, we have partnered with industry expert, True Rating, to implement integrated customer feedback tools right into our payment terminals.

The Pay Facto processing API can also be used with our additional features to reduce mandatory PCI compliance and related issues. By using the use of tokens, your payment environment will significantly reduce the risk of fraud. Your customer’s initial transaction will be entered on our hosted payment page; credit card information will never be entered in your online environment or in your website storage space. The token (or the facsimile of the card number) will then be used by the API for subsequent payments.

The objective of the merchant on the internet is of course to achieve, for each visit of a customer on his site, a purchase transaction. In everyday life, the act of purchasing is so trivialized that no one pays attention to the multitude of cultural and organizational presuppositions put into play. One of the difficulties of online commerce is to find a substitute for the transaction of contact between buyer and seller in the real world, and which, if possible, offers advantages for both: ergonomics, simplicity, security, auditability, universality of uses, interoperability, anonymity in certain cases, and … reduced operating costs and commissions.

There are currently dozens of different systems, especially when you consider both payment and micropayment services. This proliferation, even if we feel that convergences are taking shape, does not help electronic commerce to develop, and goes against the demand for simplification and transparency desired by the user. Abbreviation for “Debit-Credit Card “or banking, systems whose common name is the virtual wallet, widely used in micropayment, not to mention coin or electronic token systems, but which have not been very successful.

This article therefore provides an overview of the approaches and techniques used on the Net, in the order mentioned above. In the last chapter, he discusses the important role that the mobile could one day play in the field of internet payment, but also on other channels: voice, proximity to an electronic payment terminal or a terminal.

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