Frequently Asked Questions

Getting Started

A: You'll need an iPhone 3G or 3GS and a merchant account. Once you have these download the app from the app store and you'll be sent the PAYware sleeve and be setup with the PAYware Connect payment gateway.

A: The PAYware Mobile software application handles the communication between the secure payment gateway, PAYware Connect, and your device. The app works in conjunction with PAYware Connect and offers a variety of benefits such as transaction reporting and VeriShield Protect data encryption. The iPhone credit card encryption sleeve installation is easy. The sleeve simply plugs into the iPhone dock connector and cradles the phone. Downloading the application is as easy - iPhone users can simply download it from the iPhone App Store as they would any other app. The PAYware Mobile application is free.

A: The PAYware Mobile card encryption sleeve is available through GotoMerchantServices.com.

A: Yes, that is the easiest and quickest way for you to get up and running with the PAYware Mobile system.

A: YES, PAYware Mobile works in conjunction with the PAYware Connect gateway, and does not currently support other payment gateways.

A: Yes, if you purchase the PAYware Mobile Encryption Sleeve you will have a month to month billing agreement for the PAYware Connect gateway.

Features

A: We provide a comprehensive user guide to take you through installation, setup, and use of the application, card encryption sleeve and the merchant portal on the payment gateway.

A: PAYware Mobile does not include a receipt printer, however, you can easily configure customized receipts to be emailed to your customer. A record of the transaction is accessible in the application and the PAYware Connect online portal, where you can reprint receipts and view transaction history. Receipts contain all necessary information required by payment processing regulations. The headers and footers of the receipt are customizable via the Merchant Portal on the PAYware Connect gateway.

A: Yes, adding tips is easy. You can enter a specific amount or the application can calculate the tip based on a percentage of the sale.

A: PAYware Mobile includes the ability to specify what tax percent to use for each sale. This can be changed on the go, since tax rates vary from place to place.

A: When a call is received during a transaction, the user will be prompted to answer or decline the call. After the user completes the call, they are prompted to reenter their password for the application and the transaction can be resumed.

Security

A: Yes. Like all VeriFone products, PAYware Mobile goes through third-party testing and validation. PAYware Mobile is validated against the PCI SSC's (PCI Security Standards Council) strict regulations. The PCI SSC sets the standards that payment system vendors must follow when developing hardware and software. The PAYware Mobile software application is PA DSS 1.2 (Payment Application Data Security Standards) approved by the PCI SSC. As part of the security standards, your customer's account information is truncated on all data fields and reports.

In addition, PAYware Mobile when used with the credit card encryption sleeve provides "End-to-End encryption" of all card holder information. This exclusive PAYware Mobile feature literally protects your customers information at the exact instant it is swiped through the sleeve. There is no more definitive security that you could offer your customers.

A: Security is paramount at VeriFone, which is why we've built industry-leading technology into PAYware Mobile from the start. End-to-End encryption is used to protect your customer's card information the instant you swipe their card. The card data is encrypted in transit to your credit card processing company. This prevents sensitive card data from ever entering the iPhone or being intercepted in-transit.

A: Other vendors are using a common form of encryption referred to as "SSL" PAYware Mobile also uses SSL encryption to protect the data as it traverses the wireless network. However, SSL has a couple of drawbacks.

SSL is software-based encryption method that is only secure if your phone has not been hacked or otherwise compromised. PAYware Mobile End-to-End encryption is based on secure hardware that conforms to the same stringent security standards in use today at ATM's and traditional Point of Sale Terminals that you use every day at large retail locations around the country.

SSL only protects your customers information during the transmission over the wireless network. PAYware Mobile encryption protects your customers information at the exact instant of card swipe, securing it inside the phone and over the wireless network, providing protection at virtually any point where it could be compromised.

Merchant Account

A: A merchant account is an agreement between a merchant, a merchant bank and payment processor for the settlement of credit card and/or debit card transactions.

A: The PAYware Mobile application supports credit card (Visa, MasterCard, Discover and American Express).

A: We do not setup the PAYware Mobile system for merchants not utilizing Bancard Merchant Services as their merchant account provider.

A: Bancard Merchant Services Account has set up a unique merchant account structure that was built to benefit merchants that are swiping credit cards and have consumers as their clients. Here is a summary of the rates tiers:

• Qualified - includes all swiped generic (not rewards or business cards) credit cards.
• Mid-qualified - includes all keyed in non-business credit cards
• Non-qualified - includes all swiped and non-swiped business, corporate and purchase cards.

A: : Two business days for the merchant accounts offered by Bancard Merchant Services Account. Here is a sample schedule of how deposit will work:

Settle Monday - Deposited Wednesday
Settle Tuesday - Deposited Thursday
Settle Wednesday - Deposited Friday
Settle Thursday - Deposited Monday
Settle Friday - Deposited Monday
Settle Saturday - Deposited Tuesday
Settle Sunday - Deposited Tuesday

Note: These time frames apply to Visa, MasterCard and Discover (AMEX may take an extra day or two) and the actual schedule may vary due to how your bank handles these ACH deposits.

A: A credit card transaction that is billed back to the merchant after the sale has been settled. Chargebacks are initiated by the card issuer on behalf of the card holder. Typical card holder disputes involve product delivery failure or product/service dissatisfaction. Cardholders are urged to try to obtain satisfaction from the merchant before disputing the bill with the credit card issuer.

A: At this time only merchants based in the USA can use PAYware Mobile. However, US Merchants can process payments from customers outside of the USA.

Billing Questions

A: Yes, it's billed separately because PAYware Mobile works in conjunction with a merchant services provider, the payment gateway service provided by VeriFone will be in addition to your agreed card processing rates.

A: The only other fees that you'll pay for using PAYware mobile are merchant account processing fees. .