Card Payments & Merchant Services

Point-to-point encryption provides a combination of secure devices, applications and processes that encrypt data from the point of interaction (for example, at the point of card swipe) until the data reaches the solution provider’s secure decryption environment.

EMV was developed in 1993 as the first card-present chip-based smart card.

EMV protects against the misuse of lost or stolen cards through cryptography and the use of a “PIN” (which a magnetic strip does not, making credit card replication more difficult and more costly for thieves).

• Chips are embedded in the card and contain encrypted data that is accessed by the reader in the point of service terminal
• A code or “cryptogram” is sent to the processor during the transaction to validate the card and cardholder, then a new on is issued and stored to validate the next use of the card

The Hosted Payment Page offering can be embedded into current web page(s) to maintain the look, feel and navigation for your web properties while enhancing functionality to include credit card payments (as well as ACH if desired).

The Virtual Terminal is the web-based application for processing card present, card not present and recurring payments. The Virtual Terminal can be integrated with EMV devices and utilized point to point encryption for data security and further reduction of PCI scope.

Dashboard reporting provides real-time insight and details related to transactions, allowing for review and payment modification prior to settlement, providing a proactive approach to activity management. Reporting is configurable based on a client’s specific needs and can me modified and enhanced as organizational and processing needs change.

API Integration into any number of gateways allows for full payment embedding into core systems, enabling transaction information to be captured as part of the overall workflow process. These integrations reduce the probability of human errors, expedite the completion of transactions, and streamline the overall process.

iStream offers a competitive and robust offering for financial institutions who are looking to offer the best in credit card and merchant processing to their customers.

This program takes advantage of host of features listed here, ensuring client satisfaction from all aspects – price, features, and service. Leveraging the iStream expertise when it comes to Credit Card processing ensures that clients receive the expertise and knowledge for success, leaving you free to focus on other critical aspects of your role.

With its processor agnostic platform, payment gateway integrations(s) provides your organization the ability to select your payment processor and leverage the all in one solution for transactions including Credit, Debit, ACH, Check among others. Multiple options for access and integration via gateways ensure clients have a multitude of options to select from to ensure the best solution that will mee their unique needs.

Online reporting tools that include online access to all transaction details, including real-time, charge back management reports, detailed reconciliation reporting and exportable data for posting payments. With several options for formatting, iStream reporting is able to meet the needs of both commercial and in-house developed systems.