If you’re in the market for a new payment gateway, or you’re starting an online business and are researching payment gateway options, you might have come across TrustCommerce and want to learn more about it. Read on to learn whether TrustCommerce’s features offer what your e-commerce business needs.
What is TrustCommerce?
TrustCommerce is a payment gateway (a link between retailers and payment processors) as well as a virtual terminal (a browser that lets you enter customer credit card information so that you can process those transactions). The company was founded in 2000.
TrustCommerce serves a wide variety of businesses: healthcare, non-profits, parking, municipalities, insurance, education, and retail. With such a wide reach, chances are that you’ll find a TrustCommerce solution to meet your needs.
Good news: TrustCommerce isn’t limited to one specific processor. Rather, TrustCommerce is compatible with a wide variety of payment processing companies, including Chase Paymentech, TSYS, Vantiv, Elavon, TransFirst, and more.
TrustCommerce’s features include a secure billing application, multiple forms of payment processing, virtual terminal, a hosted payments page, a self-service portal, consolidated reporting, encryption and tokenization technology, APIs and SDKs, POS device management, shopping cart integration, healthcare software integration, and municipal software integration.
Secure Billing Application
Do you offer a service or product that requires recurring, installment, or deferred billing? TrustCommerce’s TC Citadel’s secure billing application lets you process these types of bills without storing cardholder information.
Multiple Forms of Payment Processing
With TrustCommerce’s TC Vault, you can process credit card, debit, and ACH/e-check transactions. In a face-to-face retail environment, you can use one of TrustCommerce’s partners’ encrypting hardware solutions to reduce PCI DSS scope.
If you take payments over the phone or by mail, you can utilize TrustCommerce’s virtual terminal option. Turn your internet-connected computer into a secure credit card machine. The virtual terminal web form allows easy payment entering through the internet.
Hosted Payment Page
TrustCommerce gives you the option of a hosted payment page or a transparent redirect page. Either of them integrates with shopping cart software, donation pages, or other electronic transaction tools.
Your customers want freedom and flexibility. TrustCommerce’s self-service portal lets them pay in real time, view payment history, or set up recurring payments using all major forms of electronic payments.
If you’re an omni-channel retailer, you want to know what’s happening across your entire operation in real time. TrustCommerce offers consolidated, customizable, real time reporting options so you stay informed and up-to-date.
Encryption and Tokenization
You and your customers want the same thing: to keep their cardholder information safe. TrustCommerce uses tokenization (which involves replacing cardholder details with a token) and encryption (which turns data into an unbreakable code) for maximum security.
APIs and SDKs
Developers, rejoice! TrustCommerce offers APIs that support the most popular languages and platforms. You can access APIs and SDKs within the TC Vault Free Trial sandbox. The free trial lasts for 30 days.
POS Device Management
Want to keep track of all of your POS devices? TrustCommerce’s TC Integrated Payment Application (IPA) evaluates device performance, records the warranty, and ensures device authenticity. It also alerts you when a device isn’t connected.
Shopping Cart Integration
TrustCommerce integrates with several well-known shopping cart software platforms, including Shopify. So, there’s a good chance that you won’t have to choose new shopping cart software because you’ve selected TrustCommerce as your gateway.
Healthcare Software Integration
Give your patients flexibility in their payment options. TrustCommerce integrates with a variety of healthcare software programs so your patients can pay through a kiosk, an online payment portal, automated phone service, or mobile devices.
Municipal Software Integration
TrustCommerce lets municipalities accept payments easily, thanks to its integration with popular municipal software programs. You’ll be able to process one-time and recurring payments and generate centralized reports for multiple departments.
TrustCommerce partners with hardware manufacturers that sell encrypted credit card readers to ensure PCI DSS compliance.
TrustCommerce’s TC IPA is designed to support EMV (chip-and-pin) card payments, which are the most secure form of card payments available today. Beyond that, standard and advanced fraud tools are available. Standard options include Address Verification (AVS) and white listing, as well as tokenization, which replaces cardholder information with a token, so you don’t have to store sensitive details that could be hacked. TrustCommerce also supports point-to-point encryption, so your data can travel underneath the cover of an unbreakable code. Advanced fraud screening tools are available with TC CrediGuard's sophisticated fraud scoring software, used to score transactions and recognize potentially suspicious activity.
In addition, TrustCommerce is PCI DSS certified.
Pricing for Credit Card Processing
Since TrustCommerce works with a variety of processors, you can get quotes from multiple companies using the free quote request tool. It’s private and there’s no obligation, giving you a chance to check pricing without pressure from sales reps.
|Features||Includes virtual terminal, Fraud prevention features, Recurring billing, Level III data, Mobile swiper support, Card storage vault, Hosted Checkout, Web Service API, Customized risk preferences, Real-time reports|
Review posted: 04/21/16
Title: good for taking online payments
TrustCommerce works with a bunch of different processors and is also compatible with multiple existing shopping carts, so it’s a good option for ecommerce businesses.