Integrated Payment Solution
MercuryPay® Integration Suite
Comprehensive and compliant payment integrations
MercuryPay Integration Suite is a set of integration methods and services that helps developers extend their application to access the MercuryPay payment processing platform. Developers can choose the integration approach that best fits their business requirements based on their solution architecture.
- Web Services
- REST or SOAP
- Windows Client Applications
- dsiEMVX (US and CA) and dsiPDCX
- eCommerce and card present
- Security Features
- MToken™ and End-to-End Encryption (E2E)
The MercuryPay Integration Suite supports a complete set of integration capabilities for all types of solutions and card entry devices (CED) for POS systems, standalone terminals, eCommerce and Mobile offerings.
Semi-Integrated EMV Compliant Solutions
The challenges facing today’s POS developers in the development and deployment of payment applications are growing. In addition to delivering applications that enhance the customer’s shopping experience, POS developers also endeavor to create applications that help merchants retain and grow their customer base. They are also tasked with keeping pace with ever changing PCI requirements and now direct EMV certifications in the U.S. – both are time intensive and costly processes.
We help developers eliminate some of the burden of developing applications that conform to PCI and EMV requirements. We do this by providing you a PCI expert to ensure your POS is compliant and offer you solutions that are designed to remove direct card brand EMV certifications. Developers benefit from reduced cost and effort in seeking validation of the payment application.
In summary, we help you with:
- Solutions that help POS developers be PA-DSS or PCI-DSS compliant
- Applications to eliminate direct EMV certification requirements
- Enhanced security features to reduce PCI-DSS compliance for merchants
Accept NFC Payments
Enable your merchants to accept contactless payments through the latest technology for Apple Pay and Android Pay MercuryPay supports near-field-communication (NFC) through a variety of PIN pads. Not only will your merchants be able to take advantage of the security features built into Apple Pay and Android Pay, incorporating our E2E solution encrypts sensitive card data at the device. Help streamline your merchants business by accepting payments faster and provide them the convenience of MToken for follow up card not present post auth and void transactions.
Mercury’s end-to-end encryption (E2E) product provides for secure card present transactions, encrypting sensitive authentication data (SAD) within the card entry device. It supports both Client-side and Web Services integrations. End-to-end encryption reduces the number of systems handling sensitive card data. When an encrypted card reader is used sensitive cardholder data is removed from the payment application and the merchant’s PCI efforts are simplified. Mercury offers an extensive array of encrypted devices in a rich portfolio including MSRs, PIN PADs, full featured PIN PADs, mobile MSRs, and mobile payment sleds.
MToken is Mercury’s tokenization product that replaces sensitive card data with non-sensitive reference data for long-term data storage and convenience for customers. With MToken, only the token reference – not the credit card data – is stored in the POS system. Storage of non-sensitive token references reduces the risk to developers and their merchants, yet still allows the merchant to process valid payments using save card data. Token references are useless to card data thieves since they contain no card information. MToken supports key features that merchants want including recurring billing, card-not-present voids and returns, card-on-file programs, delayed shipping and layaway purchases. The product guides merchants to shorter self-assessment questionnaires by the PCI Council.
Key Solution Features
Mercury supports a wide range of payment method authorizations for a variety of payment card brands and transaction types including US EMV, credit, PIN debit, Canadian EMV, check services, EBT, FSA and more. We also support authorization for several alternative payments including PayPal.
Mercury has a whole host of Industry leading integration resources that includes and is not limited to simple and Secure APIs, open source repositories and tools to accelerate your integration and an expert integration team on standby for your personalized needs.
At Your Fingertips
Our integration solutions handle payment processing with ease, and provide you with opportunities to innovate in POS technologies.
Are you a software engineer looking to get started integrating to Mercury? Head over to the Developer Portal.