Mercury Pay and other Merchant Services

Does anyone use someone besides Mercury Pay Systems.

I am interested in changing from MPS and I am looking for a compatible system. Several vendors I have talked to all increase their prices when I say I use RMS. What gives with that?

David

Reply to
David Parrish
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Just curious why do you want to change?

Reply to
rick

$$$$$$$

  1. There are cheaper services
  2. they take 2 'business' days to deposit the funds. This means money you collect on Friday doesn't hit your account until Wed. This sux. Other companies actually count Sat/Sun as business days. There is no reason for them to hold your money other than they are collecting interest on it. It's all handled electronically, its not like some bean counter is manually moving this money from 8to5 M-F.

d

Reply to
David Parrish

Any Merchant Service Provider that can process on the Vital/VisaNet Network can be used.

Rob

Reply to
Rob

David, if you contact us at xbizpro we can help you with this snipped-for-privacy@xbizpro.com

Reply to
Dillon sharpley

Well, if you are in this business then I'd like you to explain how these systems 'really' work.

I'd like to understand these systems from a technical perspective as well the large matrix of charges that goes into it all.

Can you do that?

David

Reply to
David Parrish

The rates go up because the integrated processing in RMS uses VITAL as the processor. Most merchant services companies have Vital as an option, but at a higher rate because Vital tacks a charge onto the processor. It's a pass though cost...

MPS has written their own middleware to support RMS. They are the only merchant services company I have ever worked with whose tech support staff actually know that RMS exists and how to support it. They are not a low cost provider, but they are very high quality where RMS is concerned.

Reply to
Glenn Adams [MVP - Retail Mgmt]

Why then do they charge more for Visa net becuase I use RMS?

I cannot get anyone in the Merchant services industy to explain how this really works.

I understand logically how these systems work. I do NOT use the little card swipers that are connected to a phone line to send the authorizations - I strictly use an internet connection and the auth's are sent via FTP.

I don't get why some Merchant Service Network Providers charge X for processing and other charge XY just becuase I use RMS when RMS is not actually sending the file/auth but a middleware program.

I'd really like to talk to someone in the Merchant Services that has some intelligence and understands the systems and topology. So far they are all apes with big smiles that try to sell me their services and they have no idea how any of this works including the part they are selling.

David

Reply to
David Parrish

Ok, my question is WHY?

RMS uses VITAL. What is the difference between VITAL and others? We are basically transmitting a little text file in a pre-specified format. Are you saying that the credit card processing companies and the software companies don't have a set of standards to work with? Why can't anyone accept a the file transmittal from any software?

Sounds like a very kluge operation and it is frustrating.

David

"Glenn Adams [MVP - Retail Mgmt]" wrote in message news: snipped-for-privacy@TK2MSFTNGP14.phx.gbl...

Reply to
David Parrish

David,

Vital (Visanet) is a popular processing front end which has its own format. But most other front end systems have their own formats. RMS chose to support just one format. The different processors don't "standardize" because each is trying to achieve competitive advantage and control by having their own proprietary format. Frustrating but true. That said, there are quite a few acquirers that can use Vital if they choose. Their cost might be higher on Vital, especially if it's not their primary front end. Unfortunately, it is also the case that most acquirers don't understand anything about processing on POS systems like RMS and don't do much to support customers if they have trouble. Processing on POS systems like RMS is all that Mercury does. We support free gift processing on RMS and real-time web reports, etc. But you can always find someone willing to compete purely on lower prices. You can't get a BMW for the price of a Yugo.

Marc Katz

Mercury Payment Systems

Reply to
Marc Katz

You could try Sterling payment systems.

Reply to
rick

I thought RMS only had four "native" merchant providers: Citibank, Bank of America, Wells Fargo, and PAymentech.

Believe me, if there was any way we could process credit cards directly from RMS and keep our current merchant service provider (National City Merchant Services), we would jump at the chance. We're stuck using PCCharge, which doesn't work in our multiple-register environment.

Bill Yater The Worth Collecti> Any Merchant Service Provider that can process on the Vital/VisaNet Network

Reply to
Bill Yater

Bill,

Ask National City if they can use Vital/VisaNet Network. If they can, you're good to go. UNLESS you are using PCC do check checking, RMS does not support that natively.

Reply to
Jeff

Reply to
Glenn Adams [MVP - Retail Mgmt]

My company CHARGE CARD SYSTEMS, support Credit/Debit Card Processing with First Data, Vital and Paymentech, with First Data we offer 24 hour funding on all batches settled by 7PM Eastern, with our other processors it is 48 hour funding.

For Microsoft RMS Users and Resellers we offer direct High Speed Credit/Debit Card Processing on Paymentech, bundled with RMS, no other add on plug ins or software required. We will beat your current rates, based on a statement review or our preliminary rates are as follows

Credit Cards: 1.75% Debit Cards: 1.45% ATM Debit .55 each no discount rate with Pin# Monthly Fee: $5.00

You can check us out at

formatting link
or email me at snipped-for-privacy@chargecardsystems.com or call 888-505-2273 for more info

Thanks

Reply to
jcreegan

We were never able to get PCCharge Payment Server to work correctly with RMS. We have two RMS registers, and we have PCCharge Payment Server on our file/data server. Inevitably, we would wind up with duplicate charges. I went back and forth with Verifone (company that owns PCCharge) and with Microsoft Support, and we never came up with a fix. We wound up disabling the EDC functionality in RMS, installing PCCharge on a completely separate workstation, and just running the cards directly through that PCCharge workstation.

If we can get credit cards to work directly from RMS without having to change merchant accounts, that would solve a world of problems.

Bill Yater The Worth Collection snipped-for-privacy@worthltd.com

"Glenn Adams [MVP - Retail Mgmt]" wrote:

Reply to
Bill Yater

Bill,

You don't specially need Mercury Payment as they are a reseller of a credit card processor and have written an interface between the them and RMS.

Any company/bank that resells the Vital processing network will work for you, out of the box, with the built-in option in RMS. If you need other options to other processors, there are more options.

If you need check checking, your options are more limited.

Reply to
Jeff

Bill,

As a merchant service provider, I took it upon myself to figure out a solution to the issues you are currently having with processing systems. Nonetheless, my goal is to figure out how you can get the credit cards to work directly with RMS. I was working with my tech support guy today, and I should have an answer for you by tomorrow CST. If you have any additional concerns, please let me know and I would be happy to look into them as well!

Marcia Stuhler Eliot Management Group P: 817.869.0550 F: 817.869.0552

Reply to
mstuhler

David,

I saw your post this past weekend, and I am curious to know if you found a solution to your problem? I believe that we have a compatible system, but I want to answer your questions first. I was working with my tech support team today in order to provide you with an answer that is not only techincally informative, but gives you a good understanding of the charges as well. I should have an answer back for you from them by tomorrow CST!

Marcia Stuhler Eliot Management Group P: 817.869.0550 F: 817.869.0552

Reply to
mstuhler

CHARGE CARD SYSTEMS through Chase-Paymentech Solutions offers a direct interface to Microsoft RMS and POS with a high speed internet credit card processing program, check out the options in RMS Store Administrator for EDC and you will see that Paymentech is a preferred provider no PC Charge, IC Verify, TPI or any other plug ins needed, just RME, the Internet and Chase Paymentech

Reply to
jcreegan

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