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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The Data Security Solution Every Member Management Software Vendor Should Have in Place

We work with a lot of software vendors in the member management space.

Their customers — gym owners, personal trainers, association managers — use software like EZFacility, myVolo and 123Signup to streamline business operations and automate key tasks.

One of the most critical needs for these business professionals — due to the nature of their operation — is the need to have secure payment processing integrated with their software.

These fitness professionals and association executives need to have the ability to process recurring credit and ACH payments through their software on a continual basis, so that they can charge for items like fitness memberships, association dues, and personal training session packages.

Rather than input the member’s credit or bank draft account each and every month when a membership payment is due, the software needs to store the account information for ongoing use. Problem is … storing sensitive payment data leaves the data at great risk of being stolen.

That’s where tokenization comes in.

What is Tokenization?

Much like emptying a treasure chest of its valuables, tokenization replaces a cardholder’s primary account number (credit card number) or bank account number with a long string of random numbers that is useless to a thief if stolen.

That long string of random numbers, the token, is used when processing payments. The customers’ actual payment data is sent to a highly-secure encryption appliance and stored, eliminating the need for the merchant to store the payment data on their internal network.

In other words, fitness gyms, associations and other membership-based businesses can go about their business — processing payments the first of every month or whatever their cycle. At the time of payment, the token is retrieved and used for transactions in lieu of the cardholder’s primary account number/credit card number or bank account number.

More Benefits to Tokenization:

1. Because merchants don’t have to store the sensitive data themselves, their Payment Card Industry (PCI) requirements are reduced, which ultimately means less questions on the merchant’s annual PCI survey, reduced liability and reduced costs associated with PCI compliance.

2. Tokenization protects businesses from internal theft — from employees, suppliers, vendors or anyone else connected to the software and its data.

How is Tokenization Different than Encryption?

Encryption masks data using an algorithm to scramble credit card data so that it can’t be read by anyone without a proper key. However, unlike tokenization, that data is on the company’s internal network. So while hacking and being able to use encrypted payment data is minimal, there is still a hole and hackers could potentially reverse-engineer the data to reveal credit card information.

The Best Course of Action …

The tokenization technology we use with our software partners employs state-of-the-art encryption, utilizing a multiple-authority architecture, public-key cryptography and a FIPS 140-2 Level 3 certified Hardware Security Module to store private keys.

At Constellation Payments, we strongly advocate a 3-prong data security approach that includes 1) tokenization AND ALSO 2) point-to-point encryption to encrypt data from the moment it enters the point of sale software and 3) EMV technology to reduce card fraud resulting from counterfeit, lost or stolen cards.

This layered data security method is the best course of action for all software that includes point of sale and recurring membership and/or subscription-based payment processing capabilities.

If you have any questions about our tokenization process, or how Constellation Payments can assist you by delivering payment processing solutions integrated with your point of sale software, feel free to give us a call at 888.248.7060 or send an email to

Angela Summa is the Vice President of Constellation Payments. She is responsible for business development, implementation, channel partner support, and merchant support. Her goal is to ensure businesses offer the highest level of payment processing security and ease of processing to customers. You can reach Angela by sending an email to

Image Courtesy of Pixabay


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Help! Card Not Present Fraud Is on the Rise. What Can I Do to Prevent It?

In my last post, I spoke about card present fraud and EMV.

It’s important to understand the two types of fraud, how they occur, and what you can do to put a stop to it. I suggest you read this article as well: What Is Card Present Fraud?

The second type of fraud that I’ll cover here is card not present fraud. Card not present fraud is online, hacking-type scenarios where someone goes onto an ecommerce site, gets a hold of your data, and attempts to perpetrate fraud using your numberContinue reading “Help! Card Not Present Fraud Is on the Rise. What Can I Do to Prevent It?”

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Help! Should I Get a Hosted Payment Page for My Business?

I run a software company and need the ability for my clients to accept payments from members online through the software.

My friends tell me I should get a third-party hosted payment page through a gateway and merchant service provider like you to protect my clients.

What exactly is a hosted payment page? Do I really need one? What’s the real benefit?

Continue reading “Help! Should I Get a Hosted Payment Page for My Business?”

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