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Spotlight Innov
Spotlight Innovatorsators

*Transaction time is measured from the time the card is inserted until approval. ** Requires 3.8461%+ Flat Rate Pricing
and a Payanywhere Smart Solution, Salido, or POS Pros’ point of sale solution. Must be submitted and approved Friday,
May 1st, 2020 through Tuesday, June 30th, 2020. Merchants must activate by Tuesday, June 30th, 2020. $500 per-10 kicker
paid Thursday, July 2nd, 2020. $50 per-MID bonus paid weekly. You must be on our standard compensation program to
qualify. "

uper G Capital, based in Newport Beach, CA, is
a national provider of business financing solu-
tions with loans ranging in size from $100,000
S – $5,000,000. Founded in 2008 by successful
entrepreneur Darrin Ginsberg who built USAePay is a
family-owned business based in Los Angeles, CA. For
over 15 years, the company has been assisting merchants
with payment solutions to fit their needs. USAePay's
payment gateway supports most of the major platforms
in the credit card industry and works with some of the
leading check platforms. USAePay is pleased to work
with most of the larger merchant service banks in the US
and Canada.
What’s New:

Ramping up tokenization

ypically, in payments, when a merchant runs an electronic transaction, the gateway is programmed to use
encrypted data tokens in place of sensitive card data to protect the merchant's side of the transaction flow. This
prevents the possibility of a merchant storing private customer information on their servers and makes it dif-
T ficult for anyone to steal the information for malicious purposes. While this method is adequate for protecting
the merchant in most cases, it doesn’t fully accommodate the merchant's needs when they want to set up a recurring
transaction or handle a return-customer purchase without re-entering the card information.

"Originally, before tokenization became a hot word, when someone ran a transaction and needed to run another payment,
we'd give them a transaction ID," said Vlad Galyuz, Vice President of Product Development at USAePay. "However, only
some actions could be performed, and others could not, without having the sensitive payment details from the original
transaction available."
A simple proprietary solution

According to Galyuz, the gateway providers had to come up with an improved version of the tokenization model to
meet the needs of the growing number of merchants who wanted to use subscription and membership models or offer
Sales portal
purchase incentive programs. "We decided to make what is called True Tokenization, where a merchant can still run
a transaction and get the response code back, but they can also get a transaction token to store," Galyuz explained,
indicating the merchant would then use this token, that doesn't associate with sensitive card data, to do it again in place
of running the card number.

The True Tokenization solution is 100 percent PCI compliant and merchants can even keep track of a client's card by
searching the last four digits. "Sometimes you still want to know what type of card it is, so on top of the token, we send
back the card type and the last four digits," Galyuz explained. Galyuz noted the USAePay True Tokenization solution
is exclusive to ecommerce purchases but it's still useful to brick and mortar merchants who offer omnichannel buying
options.

Moreover, it isn't limited to one merchant account. "If you have a chain of accounts with us, you can copy the token to
other locations," he said.

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