FREQUENTLY ASKED QUESTIONS
Q: What is PAYware Mobile?
A: PAYware Mobile is a PA-DSS accepted payment application that allows merchants to accept
electronic payment via the iPhone through VeriFone’s gateway (PAYware Connect). Credit cards
can be accepted by typing the card number into the iPhone or by card swipe. When the card is
swiped the card data is automatically encrypted with VeriShield Protect. In addition, because the
card can be swiped the merchant will qualify for lower credit card fees.
Q: What type of merchants should I target?
A: All merchants who accept credit cards for payments know that in doing so consumers tend to
spend more and shop more often. Many smaller businesses, such as home services and delivery,
have not yet had the opportunity to accept electronic payments. PAYware Mobile is ideal for small
businesses — such as cafes, door-to-door sales and home repair services — that typically haven’t
provided payment applications. This is an opportunity to address a market of potentially
thousands of smaller merchants who do not typically acquire card-processing systems, either due
to price or because the form factor has not suited them. Among 283 small businesses surveyed
by Boston-based research firm Aite Group LLC, 25% of those with revenues exceeding $1 million
annually had owners using an iPhone; 12% with revenues between $100,000 and $1 million used
an iPhone.
Q: What are the benefits to merchants of using PAYware Mobile?
A: PAYware Mobile allows small merchants that previously did not have the transaction volume to
justify the purchase of a traditional payment terminal, to securely accept electronic payment. It is
also perfect for any retailer, and particularly mobile merchants, that are already using an iPhone.
Instead of carrying a separate payment acceptance device, they can utilize the versatility of their
iPhone and accept payments by simply attaching the PAYware Mobile card encryption sleeve
and downloading the application.
Q: How does it work?
A: The PAYware Mobile application works in conjunction with our gateway service, PAYware
Connect, which offers many benefits such as transaction reporting and VeriShield Protect data
encryption. In order to offer PAYware Mobile to merchants, acquirers must use VeriFone’s
gateway. Installing the card encryption sleeve is a snap. The card encryption sleeve simply plugs
into the iPhone dock connector and cradles the phone. And downloading the application is easy
as well – iPhone users can simply download it from the App Store as they would any other app.
The PAYware Mobile application is free.
Q: Where do I buy the card encryption sleeve and the application?
A: The PAYware Mobile card encryption sleeve is available through your preferred VeriFone
reseller. The application is available for download only through the App Store.
Q: How is PAYware Mobile different from other solutions out there?
A: Merchants trust and rely on VeriFone – the leader in payments – for their payment processing.
This is unlike other software development and technology companies who have never developed
payment applications and are not skilled in this highly regulated industry. They are not familiar
with the security standards required and certifications that payment processors require. PAYware
Mobile is PA-DSS approved and comes enabled with VeriShield Protect.
Another advantage is that PAYware Mobile offers an integrated capacitive stylus to allow the
customer to sign their name on the iPhone’s screen and complete the credit card transaction. In
contrast, other styli are resistive designs. This not only allows merchants to keep their iPhones
clean and germ free, it gives a more professional appearance. The stylus is stored in the
PAYware Mobile card encryption sleeve where it won’t get lost.
The card encryption sleeve also has an ultra low power mag stripe head that is aligned with the
development specifications for iPhone peripherals. Battery drain has been designed to a
minimum so merchants stay up and running.
The merchant has several options to charge the iPhone throughout the busy day. The device has
charging flexibility through a mini USB port on the back of the card encryption sleeve for a USB
wall charger or use a cable from a computer.
Q: How does the device ensure data security?
A: The PAYware Mobile card encryption sleeve uses a magnetic stripe read-head and firmware
certified to the Federal Information Processing Standard FIPS 140-2. Equally important, card
details are immediately encrypted during the card-swipe process utilizing VeriShield Protect. No
sensitive data ever reaches the payment application.
Q: What payment types does the application support?
A: The PAYware Mobile application supports signature debit and credit card transactions.
Q: What type of devices will it work with?
A: Currently PAYware Mobile works with 3G and 3GS iPhones. It is not backward compatible with
older models. When the PAYware Mobile payment application is used with the iPhone and car
encryption sleeve, it becomes a fully functional payment device.
Q: What are the available options for receiving receipts
A: Receipts are sent to customers via email. Receipts contain all necessary information required as
per regulations. The lines of the receipt are configurable at the PAYware Connect gateway.
Q: Do I have to use the VeriFone gateway in order to sell PAYware Mobile?
A: Yes, PAYware Mobile works in conjunction with the PAYware Connect gateway. It cannot be
used with another gateway. There are many benefits to subscribing to VeriFone’s gateway. For
one, VeriShield Protect is activated and encrypts cardholder data as soon as the card is swiped,
protecting it from being compromised. Transaction reporting is simplified.
Q: What are some of the high-level advantages of PAYware Connect?
A:
• Email receipts to customers
• Capture the geo-location of each sale
• Review transaction history via the phone or user friendly web portal
• Ability to add comments to each transaction
• Immediately can disable service for a lost phone via the web
Q: What are the gateway benefits to a merchant?
A: This hosted solution is ideal for small- to medium-sized businesses who don’t want to manage the
complexities of payment processing. It is a maintenance-free, internet-based solution hosted by
VeriFone, giving the peace-of-mind that your system is always compliant. Because it is hosted by
VeriFone, there’s no software to install or keep up-to-date. While transactions can be viewed via
the iPhone, the gateway also offers a consolidated view of all types of payment transactions
(including MOTO, e-commerce and retail). With its extensive, configurable reporting – such as
transaction detail, post settlement and transaction search – it helps merchants efficiently manage
their business. Plus it customizes email notifications sent to customers once the transaction has
been processed. Merchants can grant employee permissions and even add and remove devices
via the gateway as necessary.
Q: Do customers have to use VeriFone’s helpdesk support or can they offer their own?
A: Acquirers can certainly offer help desk support themselves once completing PAYware Mobile
training offered by VeriFone. For more information on support training, contact your VeriFone
Sales Rep.
Q: What happens when you receive a call during a transaction?
A: When a call is received during a transaction, the user will be prompted to answer or decline the
call. After the user completes the call, they are prompted to enter their password for the
application and the transaction can be resumed.
Q: Is the application secure?
A: Yes, the application requires a password in order to access it.
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