NMA provides payment software solutions to thousands of merchants nationwide. What differentiates our business model is that our integration programs are not built on proprietary products that technologically limit our partners, but rather on the best products for each specific circumstance. Our executive in charge of our developer and reseller sales channel has been in the point of sale and payment software business since 1983, and much of our sales team has spent their entire career in payment technology. This level of experience and industry insight allows NMA to select the best payment technology products available and also to select only those that will stand the test of time in our rapidly changing industry.
NMA's approach is different than most. We take a "best of breed" approach and consult with our clients prior to recommending payment technology. Increasingly, our payment technology recomendations are tied to our payment hardware recomendations due to payment security technology interoperability issues. Regardless of the situation, we carefully select our recommendations based upon the actual technological needs of our partners.
Payment Software Products
Local Payment Software. This is the typical payment software used by merchants for years. PC Charge is an excellent example. NMA offers these products but sells very little due to the benefits of other products. The benefit of a local payment software is that a merchant pays for it one time, aside from annual maintenance. The downside is that the payment data is stored locally and the merchant is resposible for performing updates to the software, some of which could have PCI implications.
Hosted Payment Software. Known generally as a gateway. Payment Gateways are the most popular types of payment software on the market today. Over 90 percent of NMA's client base use payment gateways. We offer one of six proven gateways most of the time based upon the client needs. \
Enterprise Payment Software. This is enterprise level payment engine software that is designed to handle millions of transactions and is easily compatible with I-series servers.
Web Redirect. A payment technology offered by some gateway providers that reduces security risk for e-commerce merchants. With web redirect, the gateway hosts a configurable payment window that pops up on a web merchants page during checkout. The web shopper enters the data as if the window is part of the e-commerce merchant's site, but the sensitive data is actually being entered on the gateway provider's site. This is also called a server side integration and is increasingly popular.
Recurring Billing. A feature of most of our gateway products where the payment information is hosted by the gateway provider. Depending on the gateway and the method of integration, the transactions can be infinitely variable and scheduled irregularly or in specific intervals. The payments can be triggered by the gateway or by the integrated software application.
Thin Clients/Secure Integration. These are dll's or other small software applications that work with some gateway products and communicate directly with the payment hardware and the gateway, insulating the point of sale application from all transaction information. Some of these applications control multifunction point of sale devices with no additional integration. This is a secure method of integration and some providers claim that this method of integration takes a point of sale application out of PCI scope. NMA firmly believes that "scope" needs to be determined by your security assessor.
Signature Capture. Some gateway products will store the signature file from a transaction. NMA offers a complete API that can facilitate secure payments, multi-function device operation, and signature storage in one integration.
Virtual Terminals. Nearly every gateway offered by NMA has a virtual termial component. NMA processing clients have access to an excellent, processor provided product that is extremely inexpensive to NMA clients and highly functional.
Elecronic Cash Register Integrations. This type of integration is known by many different names and is not limited to electronic cash registers as its name would imply. This is an integration where a stand alone device is programmed to communicate with some sort of system, whether it be an electroinic cash register or a point of sale. What separates this type of integration is the simplicity, as it is defined by how little information is exchanged between the two devices. The connection of the devices allows for the sharing of data
