Sharpen Your Software’s Competitive Edge with these Integrated Payment Services – Part 1

Ah! Another software catering to the exact same niche we market to!”, you grumble. “How can we possibly stand out in this space?”, you wonder with angst beginning set in.

In a market where new SaaS solutions are launched every day, it may seem nearly impossible to outshine the rest. Fortunately, there are many ways to gain ground.

One of them is offering integrated payment services that merchants and consumers have come to expect.

Gaining Competitive Ground with Integrated Payment Services

Just as the development and release of new SaaS solutions isn’t slowing down, the vast number of ways merchants can accept payments isn’t slowing down either. Think about all the ways payments can be taken with a point of sale software solution:

  • In-person payments with an EMV-ready terminal
  • Online payments via desktop, mobile device and in-app
  • Payments through a hosted payment form connected to an online gateway
  • Payments made with contactless payments functionality – a smartphone, tablet, smartwatch tied to a mobile wallet like Apple Pay and Android Pay is held in close proximity to a payment terminal to make a payment
  • Scheduled recurring billing – used for monthly fees like gyms memberships, association dues, utility billing

Maybe even more important to note is that consumers expect a multi-channel payment experience that’s quick and seamless. This alone drives the expectation that your software delivers quick, seamless multiple payment channel functionality.

One Source for Advanced Payment Technology

Having an all-in-one payment technology partner like Constellation Payments – one point of contact for the gateway, the merchant account and software-integrated solutions – will not only streamline support and accelerate development for your software, it’ll eliminate multiple implementations and give your merchants overall greater control.

Consider these value-added solutions that have helped our Channel Partners increase convenience for their software users and their customers/members, and helped differentiate their software in the SaaS marketplace.


Our Channel Partners – EZFacility, eFit Financial, Member Solutions and 123Signup – use our tokenization service as part of their software offering. Rather than having their software users input their member’s credit or bank draft account each and every month for membership or association dues – and leave that data at greater risk of being stolen – they utilize tokenization.

Tokenization substitutes a token (a long string of random numbers) for valuable private information, like a bank account number or a cardholder’s credit card number. The token has no value whatsoever. When a transaction takes place, merchants never see the customer’s sensitive financial info – only the token.

Not only does tokenization secure data from external and internal theft, it also reduces a merchant’s PCI scope because the merchant doesn’t store the sensitive data themselves. This means less questions on the annual PCI survey too for merchants.

Global Payment Capabilities

Over the past year, we’ve expanded our global payment connections significantly. As of this writing, we provide merchant services in the US, Canada, Europe, United Kingdom, Australia, New Zealand, Philippines and Malaysia.

That means that software providers whose platform is integrated with the Constellation Payments platform can extend their market reach and continue growing their business by expanding into new geographies.

In the coming months, we’re integrating with additional processors in even more countries including: Brazil, Mexico, Singapore, Sri Lanka, Hong Kong, Laos, Kuala Lumpur, UAE and Saudi Arabia.

Again, having a single-source technology partner, like Constellation Payments, enables you to immediately extend your reach globally and therefore set yourself apart from other software providers.

Integrated Terminals

Some of our Channel Partners’ customers run Fitness facilities, Martial Arts schools and hair salons – requiring the need to make in-person transactions at the front desk.

At Constellation Payments, we provide integrated terminals that are EMV-ready (enable users to accept chip cards) and configured specifically to process transactions that flow through the POS modules within the Channel Partner’s software. This means that there is point of sale synchronization – no need to manually enter the data into the point of sale software and into the terminal.

Integrated terminals also isolate a business from PCI scope because no customer card data is passed through the point of sale software. Integrated terminals are configured to communicate directly with the processor by a dedicated Internet connection.

As you see from this short list, partnering with Constellation Payments gives you a host of integrated payment solutions to choose from. Give your customers what they want and need to efficiently run their business – and communicate that value to your prospective software users – you’ll be well on your way to outshining the competition.

Stay tuned for our next post where we’ll cover even more integrated payment services that can help your software gain a competitive advantage in the marketplace.

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4 Facts that Prove Software-Integrated Terminals are Better for Business

Why should a business use an integrated terminal provided by Constellation Payments when the same brand and model of terminal can be found online for the same – and sometimes lower – price?

It’s a legitimate question we’re often asked.

An integrated terminal provided by Constellation Payments is configured specifically to process transactions that flow through POS modules contained in larger software platforms for different verticals, like salon management software, gym management software, and government agency management software.

The key difference comes from the enhanced features and ongoing support provided by a team of IT and payment security experts. Terminals are marketed in many places for very low prices … even free! You should know too that many processors “low ball” terminal pricing and then make up the difference with higher processing fees which continue for years – therefore cancelling out the perceived up-front savings on the hardware.

But let’s get more in-depth. Let’s look specifically at the key facts, features and benefits of using a software-integrated terminal compared to an off-the-shelf, non-integrated terminal.

1. Software-Integrated Terminals Save Time

Integrated terminals are customized to work exclusively with your business management software tools. Our partners who produce that software have specifically endorsed Constellation Payments as a preferred provider of integrated payment processing.

Non-integrated terminals, on the other hand, are NOT configured to work with a specific point of sale or business management software product. That also means that there’s no point of sale data synchronization. Front desk employees will have to manually enter payment details into the terminal, and then manually enter the data into the point of sale software in order to have accurate bookkeeping.

2. Software-Integrated Terminals Deliver the Ultimate in Data Security

Off-the-shelf non-integrated terminals are only installed with the minimum required security software.

Conversely, Constellation Payments integrated terminals have been upgraded to include not only the manufacturer’s default security protocols, but also include our own proprietary code, including point-to-point (P2P) encryption and tokenization.

3. Continuous Updates Happen Automatically with Software-Integrated Terminals

With a non-integrated terminal, it’s the merchant’s responsibility to be aware of security software updates and update their terminals accordingly. Who has time for that?

With Constellation Payments’ software-integrated terminals, the terminals are periodically updated overnight to include the latest security software, including upgrades from Constellation Payments protocol, as well as manufacturer updates and patches.

4. Software-Integrated Terminals Reduce PCI Scope

Merchants that use a stand-alone, off-the-shelf, non-integrated terminal must pass rigorous PCI scope analysis by processors before being permitted to use the terminal.

Constellation Payments’ integrated terminals, on the other hand, are configured to communicate directly with the processor by a dedicated Internet connection. This means that no customer card data is passed through the POS software, which isolates a business from PCI scope and allows the terminal to be used immediately upon activation.

Let Us Help …

At Constellation Payments, we offer an array of integrated terminals to meet every budget with choice to buy or rent.

For additional guidance on choosing a terminal, call 888.244.2160 or send us an email at

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