Tokenisation
Tokenisation can help you with PCI Compliance by storing card numbers on secure servers. Tokenisation helps secure transactions for businesses that use batch payments to collect money from their client’s or where subscriptions and recurring payments are essential. Tokenisation is easy with RubeePay. You can log into the Payment Gateway Portal to create tokens or you can create them via the API. We also are able to set up tokenisation groups so as to share tokens across facilities or entities. Utilising the Tokenisation Alias feature, business can use customise the tokens name/number to match their internal systems making it easy to manage, migrate, recall and share tokens.
Batch Payments
Batch Payments save time by enabling multiple payments to occur in one action. Batch payments can be uploaded in the Portal or can be triggered via our API. Batch Payments can take advance of our innovative features such as Least Cost Routing Online and Scheme Tokenisation (or Network Tokenisation) to help reduce the cost of card acceptance. Batch Payments can use tokens to match a card holder so as to improve security.
Virtual Terminal and MOTO Payments
Our MOTO (Mail Order Telephone Order) payments through the Virtual Terminal lets you login to the Portal and enter a cardholders details and take a payment. A virtual terminal is considered safer than punching card holder details into a physical payment terminal (Key Entry) when taking over the phone. Payments can be taken via the portal meaning you can log in while on the phone or computer and take payments in a secure environment.
Risk Management
Risk management can be fundamental to reducing fraudulent transactions which can levy significant costs onto a business. RubeePay Gateway has integrations with a number of leading fraud management tools such as Kount, Forter and ACI. In addition, RubeePay has enabled 3D Secure 2.0 (3DS2) which places a large amount of risk onto the cardholder issuer rather than the merchant. 3DS2 is a significant advancement to 3D Secure 1.0 (3DS1) and provides a much better shopping cart experience. If operate in a high risk environment such as travel, then our tools can help you manage and reduce fraud and chargebacks
Network Tokenisation
Network, or Scheme, Tokenisation is a key feature where RubeePay out does its competition. Tokens are held with the schemes (Visa and Mastercard) rather than the payment gateway. Scheme Tokenisation can have considerable costs benefit savings on Visa and Mastercard interchange fees as well as reducing fraud – it also reduces the hassle of expiring cards for subscription payments. Most bank owned gateways are not capable of Network Tokenisation and if you asked your banker about it I’m sure you’d get a blank look. For Enterprise clients, scheme tokenisation can save $100’s of thousands of dollars of on your costs.
Least Cost Routing Online (LCRO)
LCRO is the ability to push Visa and Mastercard Dual Network Debit cards through the eftpos network. The ability to do this on a terminal has been around now for several years but most banks do not have the capability to do this for online transactions. RubeePay can least cost route and have acquirers in our network to process these through eftpos. The savings, pending card mix and average transaction size, can add up real quick. If you are an enterprise client looking to save costs, then restructuring payments will more often than not yield greater savings than price squeezing. RubeePay understand this better than anyone and can assist your business work out the most cost advantageous structure for your payments.
Wallet Payments
Payment wallets are becoming more important as the schemes (visa/mastercard) and phone companies set up their own wallets. Terminals can take these payments without issue but many online payment gateways do not support GooglePay or ApplePay. RubeePay has integration into the major wallets and if your business needs more advance payment options then we can delivery these in conjunction with our partners (such as Zip, Afterpay, Klarna, etc).
User Administration
User Administration and the segregation of duties is a must for many Australian businesses. Unfortunately most payment gateways, especially those run by the banks, are lacking the ability to manage and control Users to give businesses the protection and safeguards needed. RubeePay has advanced User Administration features which allows Administrators to add users and segregate their roles (either read or write) across the various functions and modules within our platforms. With RubeePay, you can extend the platform to a wide number of your staff with the knowledge their rights are capabilities are in your control.