Industry News

If you’re a member of one of the many wonderful direct sales organizations you know how important it is to have an effective payment solution. Even with amazing products your sales performance can be negatively impacted if the payment portion of your buying experience is lacking.

ProPay works extensively with direct selling organizations, is an active member of the Direct Selling Association, and understands the unique needs of this progressive market. If you’re new to direct selling or haven’t considered the importance of a solid payment partner, we’d like to share a few thoughts.

Seize the moment – Regardless of which type of direct selling organization you’re part of, they all share an element of timing. Whether it’s starting someone on the path to building their own business or providing a real-time opportunity to purchase products they’re excited about, nothing is worse than clumsy or broken payment processes derailing a positive experience.

Credibility – Sometimes potential customers are unsure about doing business with a direct selling company. Creating confidence is essential at these critical times. Scribbling down credit card numbers or fumbling with manual data entry doesn’t instill confidence and can create concerns for potential customers.

Access to funds – It’s frustrating to have your commissions locked away in some confusing back office process leaving you waiting weeks or months to get access to your hard-earned funds. ProPay offers solutions that can provide near-instant access to your commissions.

A partner who gets it – As mentioned above, ProPay is a veteran of the direct selling industry. We know the business and all it’s variations better than anyone in the payment industry and have proven our value over the years to the largest and most respected direct selling organizations.

As a direct seller you’ve selected a company you believe in with products you feel passionate about. It’s important to apply that same level of consideration to your payment partner. ProPay is the payment partner you can believe in.

Click here to learn more about our solutions for direct sellers. Call 888.227.9856 or email

When the leaders of the financial services world get together, it’s kind of a big deal. Money20/20 is one of the most significant events in the financial services industry and ProPay is helping make it happen.

“As the industry’s primetime conference and trade show, Money20/20 delivers the biggest scale, best audience and most engaging event. Money20/20 is the largest global event focused on payments and financial services innovation for connected commerce at the intersection of mobile, retail, marketing services, data and technology. With 10,000+ attendees, including more than 1,000+ CEOs, from 3,000+ companies and 75 countries, expected at our 2015 U.S. event, Money20/20 is critical to realizing the vision of disruptive ways in which consumers and businesses manage, spend and borrow money.”

ProPay was selected to provide the payment platform for this prestigious event, enabling the financial underpinnings and support for this high-visibility, global meeting of the minds. ProPay was chosen based on our history of being a trusted, secure, innovator in the industry and a vendor worthy of this caliber of event. The easy API integration and seamless user experience made us a natural technology fit.

If you can attend it’s sure to be an amazing few days with the best and brightest in the industry, ProPay is proud to be part of this industry-changing event.

The world is changing. If your business is going to remain relevant and continue to thrive, you need to change with it. Are you ever more than a few feet away from your phone? Most of us carry them constantly, check them many times an hour and even sleep with them. So why shouldn’t we use them to pay for things, too? Mobile payments are no longer some fantasy about the future; they are highly relevant right now, especially among early tech adopters and busy individuals. There are three groups in particular who want the convenience of paying for things with their phones. If you want the business of these three market segments, you need to make mobile part of your business model.

Today’s Teens

The current batch of teenagers has never known a world that wasn’t digitally connected. They’ve always had the Internet, and they are comfortable with mobile technology. A recent Pew Research Study shows that 78 percent of teens own cell phones, and 47 percent of those cell-phone-using teens own a smartphone. Just as members of this group are completely comfortable sharing their lives on platforms such as SnapChat and Instagram, they are also completely at ease with the idea of pulling out their phones instead of their wallets when they are standing at the register, whether they are buying coffee, new jeans or tickets to a movie. Give them the option that they prefer the most, and they are more likely to choose your business over your competitors.

Tech-Friendly Millennials

This is a cohort that is eager to adopt new technology. Millennials find cash cumbersome and would rather pay for goods by swiping their phones than by pulling out cards. More than half of all mobile payments are made by people in the 18-to-34 age bracket. Millennials make up more than one-quarter of the United States population. Experts say that mobile commerce will account for three quarters of the world’s spending by the year 2020. Win over this group, and you have a hold on a powerful consumer segment.

Busy Moms

This group is super busy. Moms balance kids, careers and homes. They want things to be quick, easy, convenient and painless. If you make it easy for them to pay for your business’s goods or services by simply pulling out their phones, they will come back to work with you again and again. And they hold the purse strings of America. Seventy percent of consumer spending is done by moms.

Mobile payments are safe, convenient and a growing preference for many segments of consumers. Give your customers this option, and they will repay you with their loyalty.

More than ever, it seems that individuals have either had their credit card information stolen or knows someone who has had their credit card information stolen. It is vital that you protect your credit card information and identity in today’s technology-based marketplace.

Pitfalls of Old Security Methods

For many credit and debit card users, it wouldn’t be reaching to guess they have been using the same cards for years. And, while their credit cards are remaining unchanged, hackers are using technology to find more advanced methods for stealing private information from consumers.

It isn’t just the credit cards which remain the same, security measures have been inconsistent, outdated, and faulty, putting card users at risk of having the information stolen. We have seen the consequences of faulty security measures in retail security breaches, which have left many with the responsibility of trying the mend the damage done to their credit.

Implementation of New Methods

New security methods are currently in place or just around the corner, with big changes expected as soon as 2020. What can we expect with the impending credit card security transformation?

  • Tokenization: In the future, all credit cards with use a smart chip instead of the traditional magnetic strip. This chip uses tokenization, meaning the chip creates a one-time transaction code for each payment. Tokenization removes the account number from the equation, and chip-enabled cards are expected to be much more secure.
  • PIN as standard: Debit cards require the use of a PIN for transactions already, and new credit cards are beginning to require consumers to use a PIN to make a payment as well. It is believed that use of a PIN will quickly become a global standard for debit and credit cards alike.
  • One card for multiple accounts: With time it will become common to use one card to manage multiple accounts. This change is expected to reduce risks of loss, theft and fraud. Additionally, it will simplify card management for users and reduce costs for credit card companies.

How You Can Prepare with EnsureBill

With so many changes to credit card security in the not-so-distant future, it is important that individuals and businesses are prepared to protect credit card information. The use of a payment facilitator through ProPay, which takes advantage of the advances these credit card security trends have made, is an excellent way to make sure credit card information remains secure. Payment facilitators are used to compiling credit card information on a secure server, which will prevent this information from falling into the wrong hands.

ProPay uses point-to-point encryption and tokenization to guarantee that credit card information is safely transmitted from the merchant to the payment facilitator. Point-to-point encryption simply means that credit card information is immediately encrypted at the point of input and is not decrypted until the payment facilitator processes it. Tokenization replaces sensitive data with non-sensitive data, so that only those who have token access can gain access to sensitive information.

EnsureBill is a service provided by ProPay to companies with customers who make automatic payments. EnsureBill is a secure and streamlined system for storing customer credit card information for recurring payments. Use of EnsureBill is shown to reduce declined transactions by maintaining customer credit card information.


There may never be a guaranteed way to keep credit card information safe 100% of the time, but payment facilitators have multiple credit card security measures in place which keep customer credit and debit card information secure. As credit card security measures are transforming over the next few years, make sure you choose a company that makes keeping your or your customer’s information secure its top priority.

Did you know that approximately 30 percent of credit card accounts annually incur changes in account number expiration dates, or when the account is closed? When you think about it, that’s a lot of information to track, and the job of your credit card processors and accountants can quickly become a daunting one. Moreover, merchants who choose to bill using the wrong credit card information incur higher rates and continue to lose money on an annual basis.

Not only that, but when these transactions fail, your customers become frustrated and start taking their business elsewhere. After all, no one really likes to be turned away from a purchase, especially in today’s fast-paced society.

In fact, the experts from major credit bureaus say that the actions from customers have measurable effects, including lost revenues, lost fees, and even customer loyalty. These are things that you definitely can’t afford to lose as a business.

So, how can your company reduce credit card declines and increase revenues? EnsureBill from ProPay can help.  This service is designed to update customer information for recurring billing, auto-shipments, subscriptions, and other functions. EnsureBill’s account update process is also transparent to customers so that they don’t have to worry about updating their own credit card information.

EnsureBill customers also enjoy uninterrupted service, and better peace of mind by minimizing declined credit card transactions.

It may sound obvious, but accurate credit card information is of the utmost importance to any company that accepts credit cards for payment and ProPay has the solution for you. EnsureBill does the work by reducing declined transactions and authorization fees, putting more money in your business coffers, and in return eliminating any headaches.

Get rid of the time and money consuming problem of declined credit cards through ProPay’s EnsureBill. You’ll be glad you did.

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