Credit and Debit Card Processing
Built on the most agile hardware and software standards, the CSI Gateway. payment management engine offers the next generation credit and debit card processing platform that card-not-present merchants need.
CSI Gateway processes all major credit and debit card types—Visa, MasterCard, American Express and Discover Card.
Our payment management solutions are tailored to merchants’ individual needs, without any hidden fees or arbitrary charges, and based on a philosophy of “truth in pricing” and “truth in reporting.”
Our platform will help increase your revenue by reducing declined authorizations and eliminating customer frustration. Some of our key revenue-enhancing functionality includes:
- Card Not Present Transaction Specialists
- Automatic Authorization Repair
- Dynamic Settlement
- Customer Special Status verification (students, seniors, etc.)
- Gift cards and loyalty programs
- Enhanced fraud screening
- Customer verification
From the onset, CSI Gateway. works in your interests to obtain the best possible rates from the networks. Our interchange optimization practices is designed to mitigate native downgrades. When you experience downgrades, the CSI Gateway platform employs sophisticated and transparent remedial processes to “upgrade” the transaction wherever possible.
To avoid any conflicts of interest, CSI Gateway employs simple cost-plus pricing. You pay us a per-transaction fee, and you actually see how much you paid the Visa and MasterCard networks on every transaction.
Differentiated Service Delivers—the CSI Gateway. Merchant Services Group
Most merchants would be happy with simple, effective customer service — Answer the phone. Answer my question. Have the know-how, attitude and energy to help me out. But all too often, even the basics are hard to come by. At CSI Gateway, we know that great customer service isn’t simply waiting for the phone to ring. We also know that being great at the basics is not enough to help you grow your business. That’s why our merchant services representative-to-customer ratio is among the best in the business. It’s why we’ve developed analytic-based reporting systems that proactively monitor, measure and fine-tune your processing. And it’s why we review every client’s business needs and conduct written processing reviews annually.
We’re constantly finding ways to give each client an edge that makes a difference in their business.
You don’t have to ask. We just do it.
MAKE THE MOST OF OUR TECHNOLOGY
Unlike other processors who still use hardware and software designed in the 1980s, our payment processing engine combines state-of-the-art hardware and software tools with custom-built applications that were architected and engineered in the 21st century. But superior technology by itself isn’t enough. To achieve your full potential as a merchant, you also need expert advice, support and guidance. That’s where our proactive, consultative Merchant Services Group steps in, continuously watching your business as closely as you do, helping you to:
Manage Chargebacks
Most direct merchants dread chargebacks; very few know how to avoid them. Our chargeback monitoring systems automatically track both the absolute number of chargebacks by division and/or product lines as well as the percentage of chargebacks incurred by unique reason code. By carefully tracking and analyzing your chargeback data we will identify ways to lower your chargeback rates.
Improve Authorization Rates
It’s pretty simple: declined authorizations equal lost sales. Our Merchant Services Group will help you minimize the impact of declined authorizations. We’ll analyze your business environment and help you design and implement the right authorization strategy, maximizing your revenue lift and minimizing your cost. How do we do it? The key is understanding all of the tools that are available and selecting the best methods and benchmarks for your business. Then we’ll watch authorization trends as they occur, across your entire business as well as in individual divisions, product lines or marketing campaigns, and use that data to fine-tune your strategy.
Minimize Interchange Costs
With every credit card transaction, you should ask yourself: “Did I get the right rate, or did I pay too much?” Our payments engine has built-in functionality—Interchange Optimizer™—that automatically monitors, benchmarks and minimizes interchange costs. But that’s not enough. Interchange rates also depend on the business rules you employ around processing, such as your Merchant Classification Code and the timing of your authorizations and deposits. Our Merchant Services Group will help you establish the optimal set of business rules to minimize your interchange costs.
Optimize Operational Performance
Payment processing can cost you more than just the fees that appear on your monthly statements. If your finance group spends excessive time reconciling deposits or chasing chargebacks; if your IT group is constantly battling with down-time and error rates; or if your operations group has to constantly hand-hold applications or re-send data, then you’re paying the ‘Hidden Costs of Payment Processing’. That’s why every aspect of our service is built to save you time and money. From clear and concise reporting to automated transaction handling to streamlined data transmission over the Internet—our Merchant Services Group will show you how.
Merchant Services at CSI Gateway. means proactively solving merchants’ problems so you can focus on building your business.
Recurring Billing Services
Recurring billing can be a powerful revenue generator—when implemented correctly.
And we can help.
Maximizing the Value of Recurring Billing
THE TOOLS, KNOWLEDGE AND EXPERIENCE
Recurring billing can be a powerful source of revenue for products or services that are delivered periodically or repeatedly. When implemented correctly, a recurring billing strategy can substantially increase the number of consumers who try your product or service, as well as the number of consumers who continue to use it.
CSI Gateway’s payment processing platform was built from the ground up to drive recurring billing, so it offers all the tools, methods and structures our customers need to be successful.
But that isn’t enough. To take full advantage of recurring billing, you need our Merchant Services Group’s knowledge of Visa and MasterCard regulations and their experience helping companies just like yours.
HOW CSI Gateway CAN HELP
Our Merchant Services Group can help you fine-tune your recurring billing program in the following areas:
Maximizing trial
The first billing event is always the most critical. To encourage as much trial as possible, you need to:
- Fine tune your offer to make it as attractive as possible.
- Process authorization transactions in real-time so that you can offer real-time feedback to your customers.
- Validate the account even if you don’t intend to bill until a later time.
- Give your customer payment choices such as PayPal. More payment options mean more payments.
Minimizing interruptions
Convenient, effortless billing is a key aspect of the product you are offering to your customers. Interruptions can lead to cancelled service. To avoid needless interruptions in your recurring billing series:
- Recycle authorizations based on BIN analytics rather than contacting customers and asking for alternative forms of payment.
- Use Visa and MasterCard’s Account Updater to increase the success rate of series billing events.
- Don’t terminate customer accounts on the first failed billing event.
Saving cancellations
A well-run save unit can provide substantial revenue lift, but not if ‘saved’ customers simply turn to their issuing bank and ask for chargebacks. We’ll show you ways to monitor, measure and predict chargebacks so that you can maximize the value created by your save unit.
