PAYMENT SOLUTIONS

Payment solutions designed to meet your needs.

Whether you are starting out looking for a simple mobile application to take payments or are a global enterprise company, APPS has the solutions you are looking for. Our solutions have evolved from our hundreds of years in collective Fintech expertise. For 20 years now we have been building and designing solutions for all size merchants, partners, banks, and processors.

Small & Medium Business Solutions
ERP & Accounting Solutions
Enterprise Business Solutions
Custom Payment Designs
Legacy & SaaS Payment Solutions
Specialty Payment Solutions

We are FINTECH.
We are data. We are the answer.

APPS has spent the last 10 years building and designing itself to meet the needs of the modern DATA drive economy. For years payment processing has been monopolized by low cost bate and switch offerings, terminals that cost more than a mobile phone with none of the features, and worst of all high-pressure sales. Therefore, we have seen a number of new payment players in the space offering 1 and 2 tier pricing, cheap cash register solutions, and payment facilitator solutions become successful. But, are the successful or just a response to the need for something new, something better.

This is why APPS has come into its own, and why the biggest payment brand in the world, Visa chose us as their acquiring partner. We have been cleaning up payments, not putting a pretty new face on it.

APPS is a data driven, data analytic payment solutions company. We take the raw payment data in from the authorization and settlement processing platforms, and review it using our data analytic engine and other proprietary algorithms, to make sure that the data is actually being processed on the correct Interchange, that the data element necessary are being sent with the transactions, and that correct Interchange categories have been mapped to. If not we work with our merchants, partners and processors, to modify the transactions it so that it does. Then we go one step further, we show you the results. Therefore, helping our clients maximus their revenue.

How we help our clients

APPS is a data driven, data analytic payment solutions company.  We take the raw payment data in from the authorization and settlement processing platforms, and review it using our data analytic engine and other proprietary algorithms, to make sure that the data is actually being processed on the correct Interchange, that the data element necessary are being sent with the transactions, and that correct Interchange categories have been mapped to.  If not we work with our merchants, partners and processors, to modify the transactions it so that it does.  Then we go one step further, we show you the results.  Therefore, helping our clients maximize their revenue.

TRACKING MODIFICATIONS

A card issuer will, on average, make modifications to certain transactions up to 8 hours after the initial authorization. So we keep a running analysis of these late responses in the files we get all day long. That way we can make sure again that transactions get qualified correctly.

CLEANING METHODOLOGY

We have found antidotal evidence that our cleaning methodology results in most clients seeing between 2.5 basis points and up to 14 basis points in increased interchange optimization across their core processing on average, as compared to most other payment processors.

ANALYTICS

Our data analytics engine and our focus on raw clearing and settlement data is critical to how we have expanded our working relationship with our Tier 1m and multination clients.

REACTIONLESS ACCEPTANCE GROWTH

We provide all of our clients with custom reporting, access to raw data files, and the ability to learn and optimize transactions using our platform. This includes working with our clients to set them up to clear their own transaction with their own internal built gateways, adding in new acceptance methods such as MPOS solutions, contactless payments, Omnichannel Tokenization that can be used in all of their payment acceptance channels for reactionless acceptance growth.

This is where we truly shine.

We work with our clients to help them grow and add new features to their platforms, try out new ideas, and provide dedicated sandbox and APIS to our client to help them prove out these new models.

Probably most importantly is our partnership with Visa. We are Visa acquiring partner, and work with them to provide merchant accounts for their clients, on a North American bases, and working to expand that globally.  We also have our own direct access to the CyberSource gateway as part of this partnership, allowing us to work with our client to take them around work with this solution.  CyberSource is plugged into all the major processing platforms and 3rd party local payment acceptance solutions in over 80 countries worldwide.  We work with our clients to help them use this platform to get into those countries.  We have built partnerships with banks and in-country processors to help our clients gain access to acquiring  services in the counties that they need.  We also provide our clients with the domestic U.S. Cleaning, Settlements or DCC (Dynamic Currency Conversion) solutions and accounts our clients require.

let’s have a conversation

Explore APPS for your business.

Explore APPS Payments Solutions or create an account to instantly start accepting payments. You can also contact us to design a custom package for your business.

Start now
Contact sales

The money is in the details.
The details are in the raw data.

APPS has access to the raw authorization & settlement response files and the raw responses from the processing platform. 

Do true data analytics at the transaction level. No longer rely on summarized processing data that is pre-mapped to certain categories.  The money is in the details, and we provide you access to the details. From this you can do data optimization and least cost routing.

This is not the same information that is provided to a Payment Gateway, or subsequently provided to the merchant as a response from the processing platform. The data sent to the gateway and to the merchant through the gateway, is the initial response from the Card Issuer approving the transaction. It provides some insight into what type of card was used, what data was sent with the card such as dollar amount, AVS, CVV, BIN. However only the raw data with the clearing and settlement on it can tell you what you actually paid, and what you can do to facilitate lower cost interchange, and better clearing optimization of your transactions.

Keep more of your revenue. It is really the first step in the clearing and settlement process.

Our products are built to accelerate your business.

APPS has a number of products and services that we have created,
or partners we work with to bring you our clients the tools you need to compete.

In addition to helping you maximize Interchange qualification, we also provide the solutions. Among the solution we are are tools to help you augment the settlement file with P-Card data, or adding in travel data or other industry qualification data, and the ability to make enhancements on the settlement file to optimize the interchange costs during settlement.

APPS also has its own Chargeback management platform that we have been developing and deploying for several years to compete again the antiquate Merlin platform used by almost every other processing platform. We have automated much of the process, so our merchants can response quicker, and easier than any other platform can. This is not to be confused with the Chargeback alert platforms that have popped up the last few year, such as Ethoca. This is at core response level.

A chargeback management platform that streamlines chargeback processing services, disputes, and chargeback management solutions to Acquirers, ISOs and MSPs.

A chargeback management platform that streamlines chargeback processing services, disputes, and chargeback management solutions to Acquirers, ISOs and MSPs.

A chargeback management platform that streamlines chargeback processing services, disputes, and chargeback management solutions to Acquirers, ISOs and MSPs.

A chargeback management platform that streamlines chargeback processing services, disputes, and chargeback management solutions to Acquirers, ISOs and MSPs.

Tailored to meet your payment needs

  • Merchant Accounts that fit your needs
    • eCommerce
    • Card Present / EMV
    • MOTO / Keyed
    • Contactless / NFC
    • Unattended
  • eCommerce Solutions
    • shopping Cart Plug Ins
    • Payment Gateway Solution
    • API’s
  • Mobile
    • IOS and Droid
      • Native Applications
      • SDK’s
    • POS on your Phone
    • Delivery, Warehouse, Service Calls
    • Pay at the Table
  • Cash Register / ECR
    • Tablet POS Solutions
    • Cash Registers
  • Accounting and ERP
    • QBS
    • Sage
    • Dynamics
    • FreshBooks
    • Xero
    • more…
  • SaaS VPOS
    • Customer CRM
    • Invoice
    • Recurring billing
    • Tokenization
  • Stand Along POS Terminal
    • LAN, Wifi, BLE, GRPS ,CDMA POS Terminals
    • Cash Registers
    • Mobile Hardware
  • Developer Tools
    • Semi-Intergated Cloud POS Solutions
    • API’s, SDK’s
    • Testing and Live Sandbox
    • Terminal coding and Certification
    • Gateway and Shopping Cart Solutions

Explore APPS for your business.

Explore APPS Payments Solutions or create an account to instantly start accepting payments. You can also contact us to design a custom package for your business.

Start now
Contact sales