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In today’s digital landscape, merchants sell via multiple channels and use a variety of solutions to ensure efficiency throughout their organization. At TrustCommerce, we understand the importance of flexible and speedy integrations to support merchants in the way they do business with the partners they use today, as well as in the future. This article gives you a primer on how we do just that; however, you can always reach out to our Partner team to discuss the best fit solution for your needs.
1.TC IPA® – Integrated Payment Application
TC IPA® – Integrated Payment Application is a cloud-based payment application that provides a semi-integrated payment processing environment for merchants of any size utilizing third-party software.
TC IPA reduces barriers to EMV and addresses ongoing PCI DSS compliance requirements by providing a single application for integrating any payment system across an organization. The solution reduces, if not eliminates, PCI scope as the Primary Account Number (PAN) data will never go through the third-party software. Information passed through the merchant network is encrypted and non-readable. Unlike TC Link, TC IPA interacts directly with the device; there is no transaction data flowing through the third party with TC IPA.
TC IPA has many great features. Here are some highlights:
- The semi-integrated payment processing model lets you complete EMV goals without the burden of having to go through a time consuming and costly EMV certification.
- Further reduces, if not eliminates, PCI scope for our clients by removing the need for other software systems to handle PCI data.
- Relieves the burden and cost of third parties developing to new, more complex credit card devices.
- Simplifies the integration by using web services as well as leveraging existing TC Link functionality.
To achieve these unique benefits, TC IPA implementations take a coordinated effort between the merchant, third-party, and TrustCommerce.
Clients who have done much of the heavy lifting by integrating to TC Link can use a hybrid TC IPA/TC Link solution by only enhancing their application for the transactions that require interaction with a device. This saves time and effort when moving to EMV.
For new implementations, full transaction support will be facilitated through TC IPA, no integration to TC Link is necessary.
The following are supported:
Payment Types: Sale, Preauth, Postauth, Partial auth, Offline Sale, Verify, Credit, Void, Reversal, Store (tokenization)
Credit Cards: Visa, MasterCard, American Express, Discover, Diners Club, JCB
EMV: TC IPA is TrustCommerce’s EMV solution.*
Debit Cards: PIN-based debit, signature debit, PIN-less debit
Other: IIAS
Cash: Future releases will support cash drawer functionality.
Who uses TC IPA? Many partners integrate with TC IPA. For example, Epic Health Record Software Welcome and Resolute products are integrated with TC IPA to reduce PCI DSS scope and support EMV chip card transactions. TC IPA supports both Epic’s hosted and client-hosted environments.
In brief: TC IPA offers the same functionality as TC Link API and much more! EMV support, semi-integrated model, direct interaction with devices to reduce PCI DSS scope—it’s in there.
*Dependent upon platform.
2. TC Link® API
TC Link® API is the main interface to TrustCommerce for all payment processing. It facilitates the processing of a wide variety of payment types on a variety of platforms and languages and is easy for third parties to integrate with while providing full functionality. Be aware that TC Link supports MSR transactions only. If you are looking for EMV support, TC IPA is your go-to solution. Also note, with TC Link, the merchant manages the payment device. The third party integrates with the device, the transaction flows from their software to the device, back to them and then to TC.
With TC Link, you get the following:
- High availability with client and server side fail-over and load-balancing
- Language/framework independence (C/C++, Java, COM/.NET, Perl, Python, and PHP)
- Full-featured test platform, code samples and test scripts
The following are supported:
Payment Types: Sale, Preauth, Postauth, Partial auth, Offline Sale, Verify, Credit, Void, Reversal, Store (tokenization)
Credit Cards: Visa, MasterCard, American Express, Discover, Diners Club, JCB
Debit Cards: PIN-based debit, signature debit, PIN-less debit
Other: Purchase Level II and Level III, IIAS
Checking/Savings: Electronic checks/Automated Clearing House (ACH)
In addition, you can use TC Link in these environments:
Card Present (CP): Retail and restaurant
Card Not Present (CNP): Direct marketing, mail order/telephone order (MOTO), e-commerce (shopping carts, donation sites, and so on) and continuity payments (recurring, installment and deferred)
Who uses TC Link? TC Link is a perfect fit for many different types of integrations. Leading shopping cart, kiosk, IVR, POS, and mobile solutions vendors use TC Link for payment processing. For example, Epic MyChart, Epic Mobile MyChart, Resolute, Welcome, Willow Ambulatory all leverage TC Link API.
In brief: TC Link supports MSR transactions – card present and card not present. It offers comprehensive functionality and easy integration; however, if you seek EMV support, choose TC IPA.
3. TC Trustee® API
TC Trustee® API is a web based interface that supports e-commerce payments. TC Trustee API does not support retail payments, simply key-entered. Turn to TC IPA or TC Link for card-present environments.
With TC Trustee API, commonly called transparent redirect, the financial fields specific to payment, such as CC, Exp, CVV are hosted by TrustCommerce. The fields are embedded into the client’s page, keeping the look and feel consistent with existing branding, making it seamless for customers. That information is being passed directly to TrustCommerce and not going through the merchant’s server.
TC Trustee API benefits include:
- It is simple to integrate, offers seamless branding, but requires some development.
- Keeps toxic payment data out of merchant systems
- Specific to e-commerce
The following are supported:
Payment Types: Sale, Preauth, utilize TC Vault Virtual Terminal for secondary transaction types.
Credit Cards: Visa, MasterCard, American Express, Discover, Diners Club, JCB
Debit Cards: PIN-less debit
Checking/Savings: Electronic checks/Automated Clearing House (ACH)
Who uses TC Trustee API? TC Trustee API is ideal for web-based e-commerce applications, for example shopping carts, payment portals and mPOS.
In brief: TC Trustee API offers web-based applications payment security and PCI scope reduction.
4. TC Trustee® Premier
TC Trustee® Premier is a hosted payment application that provides a secure environment in which merchants can accept electronic payments outside of their own network. Because this solution is hosted by TrustCommerce, it eliminates the need for merchants to capture, transmit, or store sensitive payment information, which may reduce the merchant’s PCI scope. In this scenario, the client’s application will redirect the user to a new web page hosted by TrustCommerce where they can enter payment information securely. Like TC Trustee API, TC Trustee Premier does not support retail payments.
TC Trustee Premier benefits include:
- TrustCommerce designs, develops, and hosts the payment page.
- Provides maximum scope reduction.
- Delivers branding continuity and simple payment capture.
- Responsive design scales for desktop, tablet & mobile.
- Requires minimal technical resources to deploy.
The following are supported:
Payment Types: Sale, Preauth, utilize TC Vault Virtual Terminal for secondary transaction types.
Credit Cards: Visa, MasterCard, American Express, Discover, Diners Club, JCB
Debit Cards: PIN-less debit
Checking/Savings: Electronic checks/Automated Clearing House (ACH)
Who uses TC Trustee Premier? TC Trustee Premier is ideal for web-based e-commerce applications, for example shopping carts, payment portals and mPOS.
In brief: TC Trustee Premier offers web-based applications payment security and the greatest PCI scope reduction. TrustCommerce handles manages the design and development making it a quick deployment for merchants, involving minimal IT resources.
Wrap Up
With TrustCommerce, it is easy and convenient to accept payments your way. Our payment processing solutions are designed for ease of integration with customer environments and third-party software. To learn more, speak with a Solutions Consultant.
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