About

Direct Technology’s Payment Solutions Group takes care of merchants’ data security concerns by providing custom integration of a secure payment solution into the  point-of-sale.   Safeguarding the consumers’ sensitive data is a priority.  Our payments team implements a multi-layered security strategy that combines EMV, encryption, and tokenization.  In addition, we provide retailers with payment-as-a-service (PaaS), a predictable cost, subscription-based structure, which eliminates initial capital expenditures for payment terminal hardware. Having the PaaS provider manage payment security means overall lower IT costs for hardware, software, and the internal IT resources needed to manage payment processing.

Our Payment Solutions Group alleviates payment complexities for merchants by providing:

•Custom integration of a secure payment solution into the merchant’s point-of-sale using a multi-layered security approach that combines EMV, P2P encryption and tokenization:
◦EMV:  EMV-enabled cards have an embedded microprocessor chip which communicates with the payment terminal to help determine whether or not the card is authentic. EMV technology uses dynamic authentication capabilities, which significantly reduces card-present fraud.  In October 2015, liability costs associated with card-present fraud will shift from the banks to the merchants who are not equipped with EMV-capable payment terminals.
◦Point-to-point encryption of cardholder data.  Debit/credit card data is encrypted from the moment of capture all the way to the processor.
◦Tokenization replaces sensitive card data with a non-sensitive equivalent, referred to as a token that has no extrinsic or exploitable meaning or value. Even if hackers access retail computer servers, there are no stored credit card numbers to steal.  Tokens such as casino chips and subway tokens have long been used to replace physical currency, and a similar concept can also be used in software to hide credit card numbers and other information.
•Custom application development for the merchant’s payment terminals, including custom forms, signature capture, donation programs, gift cards, and financing/credit.
•Seamless integration of VeriFone’s Point Solution with the merchant’s PoS payment system (click here to read Verifone’s Point Brochure)
•PCI-compliance - reduced PCI scope, time, and expense of PCI compliance and re-certification
•Payment-as-a-Service (PaaS)  ◦takes care of payments and data security maintenance, enabling retail IT to focus on its core day-to-day business operations.
◦lowers IT costs.  Since PaaS applications are subscription-based there are no initial capital expenditures for payment terminal hardware. Having the PaaS provider manage the payment infrastructure means lower IT costs for hardware, software, and the internal IT resources needed to manage it all.
◦manages gateway availability, hardware and software upgrades, and new security compliance requirements.
◦enables new technologies such as mobile payments (Apple Pay) and EMV.