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Insight on Merchant Payments and Data Security from 3Delta Systems

Payment solutions for ‘big and hairy’ business cases

Published: May 10, 2017  |  Author: Rick Ricker

It may be easy for us to understand how a small- or medium-sized business has grown without nailing down a good credit-card payment solution. Many companies, particularly in the business-to-business or business-to-government realms still do most of their business via phone or mail order. Some are using online marketplaces designed for start-ups.

But a large company — a Fortune 500 company even — can do millions of dollars in business annually, with hundreds of thousands of transactions, all without having a good credit card payment strategy.

Trust us on this.

How to understand — and calculate — your Level-3 savings

Published: Apr 20, 2017  |  Author: Mike Holmes

3Delta Systems is an expert in a wide array of payments scenarios. Need a web-based gateway for low-integration payments? Need a transparent card tokenization answer on your checkout page? Need batch processing? Need a buyer-initiated payments system to speed up, and clean up, your AP process?

We’re your team for all of that, and lots more.

But one of the more unique niches 3DSI has carved out is as the go-to provider of a payment system that can pass Level-3 data from merchant to processor, yielding significantly lower interchange fees the merchant has to pay on qualifying B2B and B2G card transactions.

When to move to an integrated payment solution

Published: Mar 22, 2017  |  Author: Rick Ricker

As your business and card volume grows, you’ll save money by having your processing contract on “interchange plus” pricing, also called pass-through rates, on card transactions through a gateway that supports Level-3 data.

Interchange plus rates are lower and more transparent than tiered pricing, where you don’t often get the benefit of lower interchange from enhance data or other good card processing practices.

If you’ve moved into that medium-company range, between 1,000 and 10,000 card transactions a month or so, you’re doing enough volume to seriously consider an integrated solution.

Card payments up, checks down, fraud on the move, says Fed

Published: Mar 02, 2017  |  Author: Brad Barnes


Card payments are growing, as is the card fraud that’s tied to them, and check payments continue to erode, according to the latest federal data.

The news comes from the “Federal Reserve Payments Study 2016.” And if the information doesn’t sound groundbreaking, it does come as an endorsement of what sources in the payments industry have been saying for some time.

Card security tips for small business

Published: Jan 26, 2017  |  Author: Rick Ricker


The surge of fraud attacks in recent years is showing no signs of abatement, based on the latest Global Fraud Attack Index. Fraud rate rose 62 percent in just three quarters analyzed in the report. Even worse, the cost of fraud keeps climbing, too.

If yours is a new business or one that’s just now growing to a size where credit card payments are a necessary option, the thought of protecting customers’ credit card numbers can be daunting. Want to stress out or confuse a newbie merchant? Start tossing around an acronym like PCI-DSS.

It’s a scary crossroad, this junction of intimidated small businesses and ever more aggressive cyberthieves intent on hacking sensitive credit card data.

All aboard! Who’s getting on the blockchain train

Published: Jan 10, 2017  |  Author: Kara Szostek Lunsford


Last summer, we chatted with Kara Szostek Lunsford, director of Product Management for 3Delta Systems, about blockchain’s mainstream potential in the payments industry. But if there’s one thing we’ve learned about blockchain, it’s that things change quickly.

Companies pursued some 356 patents related to blockchain in November alone, and 12 percent of executives in financial services have deployed blockchain in production, according to the experts at PYMNTS.com.

Payment gateway basics, EMV vulnerability among 2016’s top posts

Published: Dec 29, 2016  |  Author: Brad Barnes

Last year, it came as no surprise that a discussion of EMV topped the list of most-read articles on 3Delta Systems’ Paying It Safe blog. After all, 2015 was the year of the big liability-shift deadline that coaxed many companies into adopting EMV’s chip-card readers at the point of sale.

So maybe it shouldn’t come as a surprise that 2016’s most-read post was a piece examining an exploit that hackers can take advantage of to make a card appear as if it doesn’t have an embedded chip — thus bypassing this authentication feature.

Readers were also very curious about another emerging technology, in dynamic CVVs, and a look at the realistic costs of Wendy’s massive data breach. And two pieces exploring the uses of payment gateways and how said gateways can lighten a company’s PCI compliance burden also garnered many reads and shares.

In case you missed any of these, here’s the full Top-5 list for the year.