HP Helps Acquirers Resolve the Complexity
HP understands the cards industry. We've worked with industry leading acquirers for more than two decades. On six continents. In over 18 countries. And we know what you're up against.
Cards are becoming more complex – new payment products are being introduced. Interchange and assessments are changing more frequently and are becoming more complicated. Industry consolidation is heightening operational risk while sharpening the competition. Security challenges now come from both the merchant and the card associations as compliance requirements continue to evolve. Edge technologies like smart cards, radio frequency identification (RFID) and mobile payments take more than just good banking skills to handle. And pure price plays are eroding margins.
Customization Outstrips Competition
HP has helped acquirers throughout the world become industry leaders. We provide secure, reliable processing in our business process outsourcing (BPO) centers, ensuring transactions flow predictably, accurately and on time. Best of all, our variable pricing allows you to leverage our expertise without making large investments in hardware and software.
Our modular, flexible architecture allows you to respond quickly to changing market conditions, such as interchange rates and new channels. Efficient, streamlined back office processing helps you compete more effectively against commodity processors.
Comprehensive and Extensive Merchant Services
We've put our experience and expertise into designing a solution that addresses and anticipates your every need – solving your problems, even the ones you didn't think of yet.
- Modular structure accommodates every processing expense for accurate profitability reporting
- Flexible processing, pricing, reporting and fraud monitoring capabilities
- Advanced settlement options provide maximum flexibility for moving funds between agents, International Organization for Standardization (ISO) and merchants with minimal staff intervention
- Broad operational controls deliver customized processing services
- Money-movement tools save retailers cash management fees
- Expansive pricing options allow total control over bundling or unbundling charges at multiple levels
- Comprehensive transaction qualification methods ensure proper interchange assessment to raise billing accuracy and minimize network rejects
- Risk management tools enable clients to detect suspicious activity before merchant payment
Each individual processing component can be tracked as an expense and either charged explicitly or bundled into a combined blended rate. So operational efficiency is coupled with accurate billing and profitability reporting, and sophisticated controls enable you to identify suspicious activity and take corrective actions before losses are incurred.
For more information about what HP Enterprise Services can do for you, submit a business inquiry.