SmartMerchant
Payments business transformation in the Asia/Pacific financial sector by BPC.
First Deputy Chairman
Alfa-Bank, Russia
Merchant Management System
For acquirers seeking a sophisticated way to manage the complete merchant relationship, SmartVista’s SmartMerchant provides an integrated merchant management system that streamlines merchant and terminal maintenance. SmartMerchant performs a range of merchant management functions including merchant and terminal set up, financial clearing and settlement, billing, and statement, invoice, and report generation and delivery. With SmartMerchant, you can easily manage merchants from merchant setup to merchant asset management, delivering a superior level of service to merchant networks.
Process Merchant Applications
SmartMerchant processes merchant applications—capturing relevant information either on paper or electronically—and then stores details in a consolidated acquirer database. At the time of merchant registration, you can manage merchant relationships to match any structural hierarchy you choose—for example by store, department, or terminal. Once this structure is established, you can manage total merchant relationships at any level including settlement, billing, and reporting.
Manage The Entire Merchant Relationship
The merchant management solution also helps you efficiently manage the entire merchant relationship. Features include the ability to establish a complete range of merchant fees, restrictions and limits, billing, and reimbursement conditions. In addition, you may configure communication parameters to cover the most widely used protocols such as TCP/IP and X25. SmartMerchant also provides a complete key management solution including remote key loading. In addition, SmartMerchant supports dynamic currency conversion at the point of sale.
Recognizing the need for high security in a merchant environment, SmartMerchant also supports data encryption from the terminal to the host. In addition, a highly flexible, end-of-day procedure helps merchants manage terminal networks to coincide with internal accounting policies. Merchant communications can be managed quickly and easily through direct mail or email, reaching any touchpoint in the merchant organization. SmartMerchant provides your operational center with a real-time picture of online terminals in the network—if problems occur at the device level, the solution can be configured to generate SMS or email alerts.
With built-in workflow for dispute resolution, SmartMerchant reduces operational costs by providing tools that resolve chargebacks and disputed transactions. You can also enhance SmartMerchant’s capabilities with the SmartGuard fraud prevention solution and the SmartLoyalty loyalty program solution.
Multi Institution Support
SmartMerchant is designed for acquiring institutions, such as banks or payment processors, to manage and organize merchant relationships in almost any hierarchy—for example by geography, merchant type, location, or by merchant groups. Acquirers can set up the system in line with their specific business structure.
Call Center Support
SmartMerchant helps call center operators access merchant and terminal information for a comprehensive view of the terminal network and merchant hierarchies, such as a merchant’s address, a terminal’s location, the specific terminal or model at the POS, functionalities supported at the terminal, and content details of each terminal or merchant.
Unlimited Merchant Hierarchies
SmartMerchant processes merchant applications via manual data entry or electronically by interfacing to external merchant management systems and then stores details in a consolidated acquirer database.
Acquiring Management
SmartMerchant provides flexible acquirer management features so accounts can be set to reflect different countries, multiple currencies, and varied transaction processing—plus many additional parameters that reflect individual merchants.
Terminal Network Management
SmartMerchant supports a variety of terminals types including all major manufacturers (VeriFone, Hypercom, Ingenico, etc.) and interfaces. SmartMerchant also supports standard communication protocols for terminals to communicate with host systems, including dial up, Ethernet, VoIP, GPRS (wireless), and TCP/IP. EMV-compatible terminals and transactions are also supported.
Contact us today to request more information or discuss how BPC can help transform your payments business.
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