Electronic Payments, Made Easy

The NoblePay platform is the new (and may we say, even a bit fun) way to get paid faster. At your place, at their place, by phone or online...

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What Can You Do With NoblePay?

The best payment tools to get paid anywhere, anytime

The NoblePay platform is a software as a service platform that allows merchants to process transactions anywhere in the world from web-enabled devices. The platform supports various payment methods for accepting electronic credit/debit card and ACH check payments.


The Customer Vault was designed specifically for businesses of any size to address security concerns about handling customer payment information. Visa and MasterCard have instituted the Payment Card Industry (PCI) Data Security Standard to protect cardholder data–wherever it resides–ensuring that members, merchants, and service providers maintain the highest information security standard.


Recurring billing allows merchants to charge customers via multiple payment methods including credit card, debit card or electronic check on regular intervals through saved billing schedules.


Invoices are automatically converted to PDFs, attached via email and sent to the customer's billing email address. Customers simply follow a link in the email to pay their open invoices. All invoices are kept within the payment gateway and can be easily retrieved or re-sent with a click of a button. There is no limit to the amount of invoices that can be sent. And, merchants don't need a website to get paid.

As for security, by sending out electronic invoices there is no need for merchants to store sensitive payment data


The Virtual Terminal allows merchants to process transactions anywhere in the world from web-enabled devices. The Virtual Terminal supports various payment methods including ACH, credit cards and debit cards.


NoblePay powered by NMI has developed a payment application for Apple® and Android® devices called iProcess™. iProcess™ is a simple, fast, and free application for Apple® devices to process credit cards anywhere in the world over a cellular or Wifi connection.


If you have a website and need the ability to let your clients order online we feature secure online ordering systems for your online sales and a simple virtual terminal for manually entering the credit card orders you’ll receive offline.

If your business relies on donations,fixed monthly payments or subscriptions the recurring billing feature allows you to offer payment plans or setup payment schedules to automatically bill your clients each month.

Free yourself from the hassle of writing and mailing invoices, and sending payment reminders by using the electronic invoicing system.

Virtual Terminal

The Virtual Terminal allows merchants to process transactions anywhere in the world from web-enabled devices. The Virtual Terminal supports various payment methods including ACH, credit cards and debit cards.

  • Real time form field validation

    Helps eliminate key-entry errors by highlighting invalid fields and providing positive reinforcement for valid entries.

  • Ability to use encrypted card readers

    Secure card readers allow merchants to accept card present transactions. This lowers the risk of fraud and allows merchants to receive discounted processing rates.

  • Check scanning devices

    Check scanners provide a fast and efficient way for merchants to process multiple checks and avoid costly mistakes associated with typographical errors.

  • Customer Tokenization

    While using the Virtual Terminal, merchants may elect to save sensitive customer data in the Customer Vault for future billing purposes.

Find Out More...

Simple Point of Sale Application

  • Challenge

    Some merchants need to swipe cards at their location but they can’t afford a traditional POS system

  • Solution

    Swipe enables merchants to process card-present transactions utilizing a personal computer. This lightweight point-of-sale application was designed to work with Windows® based systems.

    The SwIPe solution uses the storage and reporting features of the payment gateway. Its supported hardware includes security features of next generation end-to-end encrypted card readers with signature capture. Merchants using SwIPe and its supported hardware have instant record retrieval capabilities. Receipts with signatures are stored in the gateway and can be emailed to the merchants’ customers directly.

Key Features

  • Record Retrieval - Immediately locate signed receipts stored in the gateway
  • Signature Capture - Include digital signatures with chargeback representments
  • Useful Data Storage - Utilize up to 20 merchant defined fields for business analytics
  • E-mail Receipts - Automatically e-mail customers transaction receipts
  • Green Initiative - Paperless receipts save trees and the environment
  • Enhanced Security - End-to-end encryption technology protects against breach
Find Out More...

Three Step Redirect API

The Three Step Redirect API methodology ensures secure data transmission by keeping merchants from seeing, touching, handling, transmitting, and even storing any sensitive payment information.

By taking merchants outside the scope of handling sensitive payment information, the Three Step Redirect API minimizes the cost and complexity of industry regulations and standards; especially the Payment Card Industry Data Security Standard (PCI-DSS).

The customer never knows they left the merchants website. The seamless look and feel is always kept throughout the process.

How Does It Work?

Here is an example of a typical transaction involving the Three Step Redirect API:

Catherine, the customer, enters Wally's Website to purchase his famous wallpaper. Catherine picks out her favorite design and goes to Wally's checkout to make the purchase.

Wally itemizes the products in Catherine's shopping cart and creates an invoice, which he sends to the Payment Gateway. The Payment Gateway receives Wally's invoice and responds to Wally, providing him a URL where Catherine goes to enter her sensitive payment information.

Catherine leaves Wally's website seamlessly, and submits her payment information to the Payment Gateway bypassing Wally completely. The Payment Gateway combines information from Wally's invoice with Catherine's sensitive payment information and returns Catherine back to Wally's Website.

Wally sees Catherine has returned and receives a token from the Payment Gateway confirming terms of the transaction. Wally can then suggest other items for Catherine to purchase or instruct the gateway to process the transaction.

All of the above takes place in just a few seconds!

Find Out More...

Integration Methods & APIs

We provide developers with multiple payment integration methods. We've designed payment integration tools that are easy to understand and implement. From beginners to advanced developers, we offer you a variety of solutions for all levels of expertise.

Third-Party Shopping Carts

As a result of collaboration with popular shopping cart providers, NoblePay offers turn key software that includes support for the NoblePay payment gateway. Merchants of any size, with no programming knowledge, can quickly integrate this solution with minimal ongoing support.

QuickClick Shopping Cart

QuickClick is NoblePay's FREE proprietary shopping cart solution developed for merchants who are looking for an affordable method of linking their web site to the payment gateway. QuickClick is a secure and reliable solution that is very simple to use.

Application Programming Interfaces (APIs)

NoblePay has carefully and methodically drafted Application Programming Interface (API) documentation, which reflects our development philosophy structured, concise and easy to understand. Our API's give developers the flexibility and features that advanced programmers require when designing sophisticated applications.

Our friendly and knowledgeable integration specialists are equipped with all the tools to quickly identify, address and resolve issues during the integration process. As always, customer service is our number one priority.

Should you need any integration assistance, you may contact us by using the following methods: By phone at 866-765-3151 or support@noblepay.com

Find Out More...

Electronic Invoicing

Merchants using the NoblePay Electronic Invoicing system generate invoices with line by line detailed information. Invoices are automatically converted to PDFs, attached via email and sent to the customer's billing email address. Customers simply follow a link in the email to pay their open invoices. All invoices are kept within the payment gateway and can be easily retrieved or re-sent with a click of a button. There is no limit to the amount of invoices that can be sent. And, merchants don't need a website to get paid.

As for security, by sending out electronic invoices there is no need for merchants to store sensitive payment data. This allows merchants to avoid the most rigorous of PCI compliance.

  • Manage Your Resources Wisely

    Streamline the billing process by reducing the time it takes to manage the paperwork and get paid.

  • Secure

    No need for merchants to store sensitive data eliminating the most rigorous of PCI compliance issues.

  • Accept Full or Partial Payments

    Ability to accept multiple full or partial payments in different forms.

  • Real-Time Invoice Creation & Delivery

    Encourage faster payments.

  • Reporting

    Maintain more complete and secure records with our enhanced reporting system.

  • Support Multiple Currencies & Tax Structures

    Supports over 90 currencies.

Find Out More...

iProcess Mobile Application

  • Challenge

    Mobile merchants who need to process secure transactions on-the-go.

  • Solution

    NoblePay powered by Network Merchants has developed a payment application for Apple® and Android® devices called iProcess™. iProcess™ is a simple, fast, and free application for Apple® devices to process credit cards anywhere in the world over a cellular or Wifi connection.

Key Features

  • iProcess™ will Geotag the location of the transaction on the receipt.
  • Print or e-mail receipts.
  • Capture digital signatures.
  • Add a tip to the total transaction, if necessary.
  • Perform full or partial refunds from the Transaction History Log.
  • Allow you to process both keyed and swipe transactions with our encrypted Swipe Solution.
Find Out More...

Advanced Transaction Routing Interface

  • Challenge

    When a merchant completes an application for a merchant account, it must specify the type of transactions it’s going to process. If the merchant wants to process a different type of transaction, it would have to apply for an additional merchant account. For example, if the merchant indicated it was only going to process low-risk transactions, it would have to add another merchant account for higher risk transactions. Because of this, merchants with multiple merchant accounts are forced to maintain multiple gateway accounts.

  • Solution

    NoblePay powered by NMI, developed the Advanced Transaction Routing Interface™ (ATRI™), which allows merchants with multiple Merchant IDs to process all of their transactions through one gateway account. With the ATRI routing system, transactions are automatically routed to the appropriate processor based on the criteria configured in the gateway. It’s intuitive, easy-to-use and saves time and money.

Find Out More...

Shopping Carts

We are pleased to work with a variety of shopping cart providers and are constantly integrating new shopping carts to accommodate demand. Below is a list of the most common shopping carts we work with. The list is not inclusive, so please contact support for further inquiries.

If you would like us to consider integrating a shopping cart that we currently don't support, contact support@noblepay.com We're excited to expand relationships and look forward to your input.

  • 1ShoppingCart.com
  • 3DCart
  • 800 Cart
  • A-Shop Software
  • Abante Cart
  • aMember Pro
  • Americart
  • Americommerce
  • Apple FileMaker Pro
  • aSecureCart
  • Ashop Commerce
  • AspDotNetStorefront
  • Avactis
  • Big Commerce
  • Blogger
  • Bookeo
  • Canada Cart
  • Cart 7 Technologies
  • Cart 66
  • CartManager
  • Checkfront Booking
  • CiviCRM
  • Contact Your Client
  • CoreCommerce
  • CRE Loaded
  • Credit Money Machine
  • CS-Cart
  • CubeCart
  • cydec
  • Early Impact
  • Ecommerce Templates
  • Ecwid
  • eShop
  • eStore advanced
  • Event Espresso
  • Events Manager Pro
  • FormSite.com
  • FoxyCart
  • GlobeKey
  • GoECart
  • Hikashop
  • Ignite Web Builder
  • iHost e-Store
  • Infusionsoft
  • JigoShop
  • Kentico CMS
  • King Cart
  • LeashTime
  • Lemonstand
  • Lightwave Builder
  • LimeLight CRM
  • Limo Anywhere
  • ma Web Centers
  • Magento
  • Mal's e-commerce
  • MarketersChoice
  • Miva
  • ModernBill
  • Modular Merchant
  • MonsterCommerce
  • NetIDNow
  • Network Solutions
  • NetzCart
  • nSoftware
  • OfficeAutopilot
  • OrderWave
  • OpenCart
  • osCommerce
  • Paid Membership Pro
  • Papercut
  • PDG Software
  • PDshop
  • Penny Pro Auctions
  • Pictures Pro
  • Pinnacle Cart
  • Plexum
  • Prestashop
  • Prestomart
  • QuickCart
  • SecureNetShop
  • Shop Site
  • Shopp
  • Shopify
  • Site Cube
  • SmartCart
  • SmartWin Technology
  • Smith-Cart
  • Squirrel Cart
  • SunShop
  • Ticket Spice
  • Tomato Cart
  • Tix, Inc
  • UberCart
  • UltraCart
  • VirtueMart
  • Volusion
  • VP-ASP
  • Web.com
  • WHMCS
  • Wix
  • WooCommerce
  • Worpress E-Store
  • WP-eCommerce
  • WP-Invoice
  • X-Cart
  • xAuthorize
  • Zen Cart

Find Out More...

Customer Vault

The Virtual Terminal allows merchants to process transactions anywhere in the world from web-enabled devices. The Virtual Terminal supports various payment methods including ACH, credit cards and debit cards.

  • Customer Security Concerns

    The Customer Vault was designed specifically for businesses of any size to address security concerns about handling customer payment information. Visa and MasterCard have instituted the Payment Card Industry (PCI) Data Security Standard to protect cardholder data–wherever it resides–ensuring that members, merchants, and service providers maintain the highest information security standard.

    These associations have also deemed that merchants will be held liable for any breach of cardholder data. This has become a major concern for merchants who may handle credit card or electronic check payments, but are looking to avoid the tremendous costs and resources involved in becoming PCI compliant.

  • Customer Vault Solution

    The Customer Vault allows merchants to transmit their payment information through a Secure Sockets Layer (SSL) connection for storage in our Level 1 PCI certified data facilities. Once the customer record has been securely transmitted to the Customer Vault, the merchant can then initiate transactions remotely without having to access cardholder information directly. This process is accomplished without the merchant storing the customer’s payment information in their local database or payment application.

    Furthermore, using the NoblePay Browser Redirect Method in conjunction with the Customer Vault allows merchants to process transactions without transmitting any payment information through their web application. This unique approach provides best of class application flexibility without any PCI Compliance concerns. The NoblePay Redirect API (Advanced Programmers Interface) is available by request of the project manager.

Find Out More...

Payer Authentication

Payer Authentication, also known as Verified by Visa® (VbV) and MasterCard SecureCode™, are security protocols developed by Visa and MasterCard that allow consumers to shop online more securely. Visa and MasterCard also give incentives to eCommerce businesses that enable these programs by providing chargeback protection and lower interchange rates.

Simply put, Payer Authentication is validation that the online shopper is the cardholder. Merchants participating in the programs are helping to fight identity theft and consumers become more inclined to continue shopping at these secure websites.

  • Reduced Chargebacks

    Merchants utilizing Payer Authentication are afforded more protection against chargebacks

  • Interchange Discounts

    In some cases merchants experience lower interchange rates

  • Lower Fraud Screening and manual review costs

    Merchants spend less time and money reviewing suspicious transactions

  • Expand Internationally

    Merchants can increase business in foreign markets with less risk

Find Out More...

Batch Processing

Batch Processing is used by merchants who store customer orders in spreadsheet formats such as Excel® or Comma Separated Values (CSV).

Merchants upload these files to the payment gateway to efficiently process large volumes of transactions. The payment gateway supports Batch Upload files in CSV, XLS, or TXT files via FTP over SSL or manual web upload.

There is great flexibility on the different formats through Batch Processing. For example, merchants can specifically create a "custom format", use an "auto-detect" format, or use an "original" pre-determined format.

  • High performance multi-threaded processing

    Merchants utilizing Payer Authentication are afforded more protection against chargebacks

  • Works efficiently with small and large batch files

    From files containing hundreds of transactions to files containing hundreds of thousands of transactions

Find Out More...

Gateway Emulator

Our Gateway Emulator™ makes it easy for merchants to switch from other gateway providers without having to rework or reprogram their application. The Emulator automatically understands other gateway formats, interprets their incoming transmissions and responds with their native message. By utilizing the Emulator developers save considerable time and expense.

Find Out More...

Recurring Billing

Recurring billing allows merchants to charge customers via multiple payment methods including credit card, debit card or electronic check on regular intervals through saved billing schedules.

The payment gateway has two distinct Recurring methodologies:

  • Subscription Based Recurring Model

    Merchants set a unique billing schedule for each customer. For example, a merchant may establish a billing cycle for Customer A of $20 on the 15th of every month and Customer B of $50 on the 1st of every month.

  • Plan Based Recurring Model

    Merchants establish pre-defined billing plans and link customer(s) to the specific plan. For example, a merchant may offer a variety of services at different price points. An important benefit to the Plan Based Model occurs when the merchant updates a plan – a single change affects many customers all at once, instead of updating each customer subscription individually.

Find Out More...

QuickBooks® Syncpay

  • Challenge

    Merchants using QuickBooks® are forced to make double-entries when completing a transaction. For example, when a merchant processes a payment outside of QuickBooks®, it takes two steps to complete the transaction. Step 1: Process the transaction with a gateway. Step 2: Enter the transaction manually in Quickbooks. This “double-entry” is time-consuming and inefficient.

  • Solution

    With QuickBooks® SyncPay, merchants can process the gateway transaction, create an appropriate accounting entry and automatically mark the transaction as paid without ever leaving the QuickBooks® environment.

Features

  • Works directly within QuickBooks®
  • Allows merchants to pay invoices
  • Generates sales receipts
  • Processes batch transactions
  • Generates batch reports
  • Allows multiple payments against open invoices
  • Supports card present transactions
  • Supports end-to-end encryption
  • Compatible with QuickBooks® Pro, QuickBooks® Premier and QuickBooks® Enterprise
Find Out More...

Level III Processing

Level III Processing is used by government and enterprise-level corporations when handling large orders through business-to-business and business-to-government transactions.

Merchants utilizing Level III Processing can pass extended transaction data to the payment gateway which is required for certain industries. This allows merchants to secure lower interchange rates and provides cardholders with enhanced data to better understand purchasing patterns, improve purchasing performance, and monitor employee compliance.

Key Feature

  • Level III Processing is supported through our innovative Application Programming Interface (API).

Find Out More...

NoblePay Loves Integrations

Our system works perfectly with new & existing platforms...

I’ve been working with merchant accounts for over a decade, and I’ve run into almost every problem you can think of: extreme withholding periods, lack of flexibility around launches, poor customer support, and more. Working with Christopher at NoblePay has been a totally unique experience. Not only are our rates better and withholdings lower, Christopher responds to us very fast. These guys know how to work with Internet marketers to a degree I’ve yet to encounter with any other merchant service. Highly recommended!

Jon Benson, CEO Sellerator.com

Free App + Card Reader

NoblePay powered by Network Merchants has developed a payment application for Apple® and Android® devices called iProcess™. iProcess™ is a simple, fast, and free application for Apple® & Android® devices to process credit cards anywhere in the world over a cellular or Wifi connection

Find Out More

iProcess Mobile Application

  • Challenge

    Mobile merchants who need to process secure transactions on-the-go

  • Solution

    NoblePay powered by Network Merchants has developed a payment application for Apple® and Android® devices called iProcess™. iProcess™ is a simple, fast, and free application for Apple® & Android® devices to process credit cards anywhere in the world over a cellular or Wifi connection.

Key Features

  • iProcess™ will Geotag the location of the transaction on the receipt.
  • Print or e-mail receipts.
  • Capture digital signatures.
  • Add a tip to the total transaction, if necessary.
  • Perform full or partial refunds from the Transaction History Log.
  • Allow you to process both keyed and swipe transactions with our encrypted Swipe Solution.

Learn More About Mobile Payments...

Meet Your Personal Payments Consultant

christopherMy name is Christopher Swift and since 1995; I've personally helped thousands of small business owners setup their payment system using the NoblePay platform. NoblePay is a software as a service payment platform that features awesome tools to help merchants get paid faster. We work with merchants that have their own merchant accounts as well as resellers such as developers, hosting companies and other payment professionals seeking payment integration's. If you need help with securing a merchant account I'm able to assist through my partnerships with the following organizations:

  • Advanced Merchant Group
  • Greatpoint Technologies
  • Electronic Payments
  • HarborTouch
  • North American Bankcard
  • USA Technologies
  • Meritcard
  • Vision Payments
  • AVP solutions

Think of me as your own personal payments consultant.

I've been in the payments industry for over 20 years and have developed phenomenal agent relationships.

What I've learned is that not all processors are the same and many times merchants find themselves working with a group that isn't right for their business type.

This means I can save you lots of wasted time by pointing you in the best direction to succeed.

I can show you how to protect yourself from charge backs by being transparent with your clients and setting proper buying expectations.

I will personally review your ordering system, your terms & conditions as well your contracts and make recommendations to make sure you're not exposing yourself.

Once this is accomplished; I can make recommendations on which processor will be best for your situation and assist you with signing up for service though one of my agent relationships.

The merchant account services will be provided by one of the processors I work with above.

As your agent, I have a vested interest in your success and will be working closely with you and the processor for as long as you continue your processing relationship.

Schedule A Free Consultation With Chris

My FREE Checklist Helps You Save Big On Credit Card Processing Fees

  • Learn how to make the best selection for your needs today and in the future
  • Get a rate plan that will save you money month after month
  • How to minimize chargebacks and keep your account in good standing
  • Why picking the right equipment can help your business save on expenses and grow
  • How to select a credit card processing plan that works with you instead of against you
Download The Free Check List Now

Chris is our main man when it comes to merchant accounts. He’s always got our back and is amazing to work with. Chris handles all of our merchant accounts and looks out for our accounts as if they were his own.  Chris is who we always recommend to other internet marketers. He’ll definitely get you the best deal available and cut out all of the merchant processor BS for you.

Tim Brown HFS COO Dr. Kareem Samhouri Fitness, LLC

Free Cost Comparison Tool

It practically does the work for you...

A Quick & Easy Done For You Comparison Calculator…

This calculator will help you learn what it will likely cost to take credit cards.  The numbers selected are what most processors charge to take credit cards. We’ve found that many costs such as network, dues & assessments and PCI compliance fees aren’t always disclosed. These are real numbers that can’t be ignored so we’ve entered them to allow you to get a transparent accounting for what it will cost you to take credit cards with one of the processing partners. Simply enter your business details below and click calculate to view a detailed report.

Find more Calculators

Enter Your Own Data For An Even More Customized Comparison…

 

This calculator is perfect if you already have a processing history and want to plug in your existing numbers. Its also great if you have a quote from another processor and want to see what it would cost versus one of the processors I’m an agent with. For the sake of transparency w’ve included the ability to enter costs that many processors fail to inform you about such as network, dues & assessments and PCI Compliance fees. Simply enter your business details below and click calculate to view a detailed report.

Get Free Calculators

Before I was working with Chris I had no idea how to get a merchant account for my charity. Chris made it brain dead simple and knew exactly how to setup the account properly so we can take donations on our website. When things were taking too long with the processor he originally introduced me to he acted quickly to find me another one. I highly recommend if you need help getting a merchant account, I highly recommend you talk to Chris.

Paul Sokol, Founder Keep Children Rockin

Preparing Your Business for EMV Card Technology

As of October 1, 2015, merchants without EMV capability in their POS systems will be accountable for fraudulent transactions. This liability shift holds merchants financially responsible for any counterfeit card-present losses. It is important to be informed in order to protect both your business and your customers.

Find Out More
  • icon
    EMV 101 pdf - Everything you need to know to protect your business

    As of October 1, 2015, merchants without EMV capability in their POS systems will be accountable for fraudulent transactions. This liability shift holds merchants financially responsible for any counterfeit card-present losses. This PDF shows you how to protect both your business and your customers.


What is EMV and How Will it Impact Your Business?

In the wake of large-scale data breaches and increasing occurrences of counterfeit credit card fraud, U.S. card issuers are migrating towards EMV technology to protect consumers and reduce the cost of fraud. For businesses nationwide, the switch to EMV means adding new in-store technology and internal processing systems to more effectively safeguard sensitive card data. NoblePay supports EMV technology and plays an active role in ensuring that our clients are prepared to accept EMV-enabled chip cards and comply with the new liability rules.


How is a chip payment card different from a traditional credit card?

Similar to traditional credit cards, chip payment cards are fitted with a magnetic strip AND a small embedded microchip. The microchip provides an additional level of authenticity for the transaction, making the chip card a more secure form of payment.


What do I do when a customer presents a chip card?

If you currently do not have EMV technology, no problem. All chip cards will continue to be issued with a magnetic strip during the EMV migration to ensure merchants can accept all payments until their equipment is upgraded.


How does EMV chip technology work?

Your EMV-enabled device communicates with the microchip inside of your customer's chip card to determine the card's authenticity. The terminal will prompt the customer to sign or enter a PIN to validate their identity. This process enhances the validity of both the card and the cardholder, reducing the likelihood that your business will accept a counterfeit card or be held liable for a fraud-related chargeback.


Will I still be able to accept traditional credit and debit cards?

Yes. All chip cards will continue to have a magnetic strip for the duration of the EMV migration EMV-enabled devices also have magnetic strip readers to ensure that merchants can accommodate payment cards that do not have a chip.


How will chip cards impact the checkout experience?

It's easy to process a chip card transaction by following these steps:

  • Identify whether the card is a chip card
  • If it is a chip card, the customer should insert the card into the special card reader on the bottom-front of the terminal.
  • The customer must leave the card in the slot until the transaction is complete
  • Follow the prompts displayed on the terminal (this will vary depending on the terminal)
  • The customer will complete the transaction by signing the receipt or keying in a PIN.

Am I required to support EMV technology?

At this time, your business is not required to support EMV; however, we highly recommend migrating to EMV-enabled equipment to ensure you have the latest, safest methods of accepting payments from your customers and are prepared for the liability shift on October 1, 2015.


If fraud occurs after chip cards are issued, who is liable for the costs?

As early as October 1, 2015, merchants without EMV capability in their POS systems will be accountable for fraudulent transactions. This liability shift holds merchants financially responsible for any counterfeit card-present losses. The change is intended to help bring the entire payment industry on board with EMV and encourage compliance. It is important to be informed in order to protect both your business and your customers.


Talk To Chris About EMV...

What Is EMV?


  • EMV stands for Europay - International, MasterCard, and Visa and helps prevent counterfeiting and fraudulent payments.

  • Rather than a magnetic strip, EMV uses a microprocessor chip embedded in the card.

  • EMV-enabled cards can be either debit cards or credit cards and are often referred to as chip cards or smart cards.

All-in-one pos solution that powers your whole business...

Clover replaces your cash register, payment terminal, receipt printer, and barcode scanner with an integrated suite of products. Accept credit cards, EMV, and Apple Pay. Get to know your business and your customers better with reports you can run at work or from home and applications that streamline your workload.

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Clover Station

Clover Mini

Clover Mobile

Clover Station

Clover station replaces your cash register, payment terminal, receipt printer, and barcode scanner with an integrated suite of products. Accept credit cards, EMV, and Apple Pay Get to know your business and your customers better with reports you can run at work or from home and applications that streamline your workload.

Clover Station is built to perform as good as it looks.

You'll get a touchscreen display, a high-speed printer (which doubles as a power and connectivity hub), and a cash drawer. Optional accessories such as an integrated weight scale or barcode scanner for a faster checkout & kitchen printer allow you to further customize your Clover Station. You can even add applications to manage employees and keep track of customers using the Clover App Market.

Clover Mini

Clover Mini is a compact system that can do everything everything your old credit card terminal does. Such as accept credit and debit cards, print receipts, print and email close out reports. A large touch screen, an intuitive interface, and the choice of Wi-Fi or 3G/4G (HSPA+) wireless connectivity makes transactions easy.

You can even add applications to manage employees and keep track of customers. Or plug in an integrated weight scale or a barcode scanner for a faster checkout.

Feel confident buying a Clover Mini today because we'll be able to grow with your business tomorrow. Start with the basic Terminal bundle and upgrade to the Register bundle only when you're ready for it.

Clover Mobile

Remove the Clover Mini Terminal from the printer stand to take it on the go. Features built wireless + 3G connectivity and a battery that will hold a charge for a full day. Clover Mobile is perfect for table side payments, outdoor events and retail line busting.

  • Hardware

    Beauty meets brains. Clover is a performance-oriented POS you don’t have to hide.

  • Software

    Your Clover comes installed with lots of essential tools. Customize further with an array of applications.

  • Merchant Account

    With over 20 years of experience and bank relationships, Christopher Swift will help you get the very best processing relationship!

Setup In Minutes

The Clover Station comes out of the box configured and ready to take payments with a simple setup – no IT consultant required! To get even more from Clover, customize it with a variety of apps to suit your particular business.

System Features

  • Accept credit and debit cards

  • Includes support for EMV and Apple Pay

  • Refunds

  • Manage tips, tabs, and authorizations

  • Closeout reporting

  • Cloud syncing

  • Optional employee permissions

  • Accept cash and checks

  • Ring up orders

  • Charge tax

  • Apply discounts

  • Create items

  • Manage customers

Schedule A Call To Learn More...
Get Started Now

Christopher,

I wanted to thank you for all your help!

We took credit cards before working with you. We used Paypal. The only difference is that we feel we are getting a better rate through the processor you set us up with. In fact, a local vendor walked into our gallery, asked to see our statements (assuming he could do better) and said he couldn’t give us a better rate–he’d be wasting our time.

Kelly Schoeberl Olive Juice Studios

The FREE Point Of Sale System That Will Revolutionize Your Business!

Harbortouch replaces your cash register, payment terminal, receipt printer, and barcode scanner with an integrated suite of products. Accept credit cards, EMV, and Apple Pay. Get to know your business and your customers better with reports you can run at work or from home and applications that streamline your workload.

Find Out More

HARBORTOUCH ELITE™ POS

HARBORTOUCH ECHO™ POS

RETAIL

HOSPITALITY

QSR & DELIVERY

PAY AT THE TABLE

HARBORTOUCH ELITE™ POS

  • No up-front costs
  • $69/month service fee
  • Ideal for mid-sized to large restaurants and retail stores
  • Built-for-purpose hardware with lifetime equipment warranty
  • 15” touch-screen display
  • Base package includes cash drawer, receipt printer, barcode scanner (retail), integrated customer display (retail), 10 server cards (hospitality), keyboard and mouse
  • Optional accessories include remote printer, video display, bar code reader, caller ID and digital scale
  • State-of-the-art, full-featured software packages specifically customized for Hospitality, Retail and QSR & Delivery businesses
  • Includes advanced functionality for most businesses
  • Cloud-based reporting and POS management through Lighthouse
  • Cutting-edge payment technology supports all major credit/debit cards (including PIN debit), NFC, EMV, Apple Pay, online ordering, tableside ordering, online reservations, Perkwave and TabbedOut
  • Custom programmed for your business by a Harbortouch representative
  • On-site installation, comprehensive training and 24/7 support
  • Free equipment replacement if hardware breaks or malfunctions
  • HTNET support coming soon
  • 30 day trial

HARBORTOUCH ECHO POS

  • No up-front costs
  • $39/month service fee
  • Perfect for small retail stores, yogurt shops, cafes, kiosks, food trucks and other small merchants
  • Built-for-purpose hardware with lifetime equipment warranty
  • 13.3” touch-screen display
  • Base package includes cash drawer, receipt printer, integrated customer display, 5 employee cards, and keyboard
  • Optional accessories include remote printer (only supports 1 remote printer per location) and bar code reader
  • Customizable, easy-to-use software with features for both restaurant and retail businesses. Module-based software allows you to hide or show only the features you want to use.
  • Certain advanced functions such as table management, bar tabs, purchase order creation, and delivery driver tracking are not available on Echo
  • Cloud-based reporting and POS management through Lighthouse
  • Cutting-edge payment technology supports all major credit/debit cards (including PIN debit), NFC, EMV, Apple Pay and Perkwave
  • Easy step-by-step setup wizard
  • Comprehensive training and 24/7 support. Optional installation available.
  • Free equipment replacement if hardware breaks or malfunctions
  • Proprietary HTNET technology creates an encrypted wireless network at your location to deliver superior reliability and security compared to traditional WiFi*
  • 30 day trial

System Features

  • Accept credit and debit cards

  • Includes support for EMV and Apple Pay

  • Refunds

  • Manage tips, tabs, and authorizations

  • Closeout reporting

  • Cloud syncing

  • Optional employee permissions

  • Accept cash and checks

  • Ring up orders

  • Charge tax

  • Apply discounts

  • Create items

  • Manage customers

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Chris is my guy when it comes to merchant accounts. I never really felt like anyone was on our team until I started working with Chris. I had a business coach who I highly trust send me to Chris. When another internet marketer I trust told me that they also send their clients to Chris  because he does great work for internet marketers I knew I found the right person for my business. Now I have my own internet marketing students and I point them to Chris as he knows how to help marketers succeed and stay processing.

Dan Faggella Micro Bjj, Owner

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NoblePay Inc.,
730 Boston Post Road,
Sudbury,
Massachusetts,
USA

508-202-7547

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Frequently Asked Questions...

What is a qualified rate


The qualified rate of a tiered pricing structure is typically the lowest perceived rate a business will pay.

Most processors market a very low qualified rate to make merchants feel like they're getting a great deal.

The reality is that the qualified rate is used to make pricing appear artificially low.

The reason they do this is because common transactions such as debit & rewards transactions are frequently “downgraded” to a lower level of qualification, meaning the merchant loses more money in the transaction level.

What is a mid qualified rate


Most processors will route card present reward and keyed-in consumer and debit card transactions to the mid-qualified rate tier.

Card not present transactions including reward cards make up the bulk of mid-qualified transactions.

What is a non qualified rate


Most commercial and upper-level reward cards fall into the non-qualified pricing tier. Keyed or e-commerce transactions that are processed without the customers billing address are also often routed to the non-qualified rate.

What is tiered pricing


The most common way merchant accounts are priced is called Tiered Pricing.

The price of each transaction is calculated based on several factors, including the type of card used, the kind of business the card was used at and the circumstances of the transaction.

Credit card processors typically group those transactions into groups, called tiers or categories.  Some of the transactions are given the Qualified Rate (typically this is the lowest rate that was negotiated when the merchant account was opened) and the others are given a Mid-Qualified or Non-Qualified rate.

Most processors market a very low qualified rate to make merchants feel like they're getting a great deal.

They reason they do this is because more often than not the majority of the cards collected will downgrade.

Mid & Non Qualified are where most processors make their money.

Common transactions such as debit & rewards transactions are frequently “downgraded” to a lower level of qualification, meaning the merchant loses more money in the transaction.

In theory, grouping transactions into categories to make merchant statements simpler is a valid idea.

In practice, however, it reduces transparency and often results in a bad deal for the business owner IF they only focus on the low qualified rate.

What is cost plus pricing


Cost plus pricing is considered the most transparent, cost-effective form of merchant account pricing. The separation of processing costs with interchange plus the basis point markup you’ll be charged also allows for the optimization of interchange expenses. By passing interchange, association dues & assessments, and network fees directly to merchants with a fixed markup, surcharges and hidden costs are generally eliminated. The cost of interchange, association dues & assessments and network fees plus the rate will depend on the markup. Generally speaking, interchange plus pricing will yield a substantial savings over the same processing volume when compared to other pricing models such as tiered. Interchange = Credit card processing rates set by the card brand (Visa, MasterCard, Discover). "Basis points" in reference to credit card processing and merchant accounts is used to refer to the percentage of a sale that a business pays their service provider to process credit card transactions. Basis points sound a lot more complicated than they really are. Simply put, basis points are 1/100th of 1 percent or 0.01% and they're used specifically when referring to the discount rate that a merchant pays to process credit cards. Interchange fees are assessed net of refunds and chargebacks, and most are two parts consisting of a percentage and a transaction fee. For example, 1.51% plus $0.10 is the current Visa interchange fee for a swiped consumer credit card.

Assessments

Visa, MasterCard and Discover make money by charging assessments on every transaction involving one of their credit cards. Like interchange, assessments are exactly the same for all credit card processors and no processor can give you a lower rate or a better deal on assessments.

What are network & regulatory fees?


Most sales reps fail to inform merchants about network & regulatory fees because frankly its additional costs that the merchant will incur to have a merchant account. The reality is that all merchants must pay these surcharges. Just like your phone bill; network regulatory fees exist with merchant accounts too and can’t be avoided. One of the networks fees you’ll be assessed is called the Fixed Acquirer Network Fee (FANF).

FANF is a monthly fee that is assessed on a merchant taxpayer basis and includes all merchant accounts owned by a business for credit card transaction processing.

The amount of the FANF fee depends on the merchant category code (MCC), the mix of card present and card not present volume, and the number of locations the business operates. FANF can vary from month to month for each merchant depending on these factors.

For many merchants who process all of their transactions in a card present environment, the amount of the FANF is based on the number of locations owned by the business. For those who are card not present the FANF fee is based on card not present volume. (The total volume for all locations using the same TAX ID is calculated- if more than one location we will calculate the fee and divide by the number of locations and add this fee to each location). For those merchants who conduct card present and card not present sales FANF is based on a combination of the two.

Example #1: Retail business with one merchant account with 100% card present volume

  • Plumber with one location
  • One merchant account that processes all $5,000 of monthly Visa volume as card present

FANF is determined using Table 1, Tier 1 = $2.00/month.

Example #2: E-commerce business

  • T-shirts online
  • One merchant account that processes $10,000 of monthly Visa volume, all card not present

FANF is determined using Table 2, Tier 6 = $15.00/month.

Card Present – table 1

Tier

# Of Locations

Fee Per Location

1 1 $2.00
2 2 $2.00
3 3 $2.00
4 4 $2.90
5 5 $2.90
6 6 – 10 $2.90
7 11 – 20 $4.00
8 21 – 50 $4.00
9 51 – 100 $6.00
10 101 – 150 $8.00
11 151 – 200 $10.00
12 201 – 250 $14.00
13 251 – 500 $24.00
14 501 – 1,000 $32.00
15 1,001 – 1,500 $40.00
16 1,501 – 2,000 $50.00
17 2,001 – 4,000 $60.00
18 4,001 (max) $65.00

Card not present – table 2

Tier

Monthly Gross Volume

Fee Per Month

1 < $50 $2.00
2 $50 – $199 $2.90
3 $200 – $999 $5.00
4 $1,000 – $3,999 $7.00
5 $4,000 – $7,999 $9.00
6 $8,000 – $39,999 $15.00
7 $40,000 – $199,999 $45.00
8 $200,000 – $799,999 $120.00
9 $800,000 – $1,999,999 $350.00
10 $2,000,000 – $3,999,999 $700.00
11 $4,000,000 – $7,999,999 $1,500.00
12 $8,000,000 – $19,999,999 $3,500.00
13 $20,000,000 – $39,999,999 $7,000.00
14 $40,000,000 – $79,999,999 $15,000.00
15 $80,000,000 – $399,999,999 $30,000.00
16 >= $400,000,000 $40,000.00