Q. What is Payway Complete?
A. Payway Complete is a trusted, cloud-based gateway that provides merchants with a single interface to all major payment processors and provides a connection between your Newscycle system and your processor. This solution offers complete support through a fast and secure network. By using a cloud-based service, you save money by eliminating the need for hardware, reducing exposure from system back-ups, and minimizing the need to monitor PCI compliance.
Q. I am familiar with Edgil and its gateway, Payway. Is Payway Complete affiliated with Edgil?
A. Yes, although our legal name is still Edgil Associates, Inc., we are now doing business as Payway Complete. Why the change? It’s quite simple really. While we are very thankful for all of our loyal customers that have been with us since 1984, we are also seeking opportunities for growth. The team at Payway Complete, by Edgil, feels that it is a natural progression to expand into other markets which operate subscription-based business models. Although we are well-known as a card payment processing company within the newspaper and media world, the name, Edgil, doesn’t effectively communicate our primary service offering. The new Payway Complete brand is designed to better communicate our payment gateway and merchant account expertise to those that may not know us.
Q. Is Payway Complete PCI compliant?
A. Yes, Payway Complete is a certified gateway with Visa and MasterCard. The Payway Complete system encrypts cardholder data at the point of entry, with the hosted payment page eliminating all unencrypted data from the newspaper environment. If the credit networks are aware that a merchant is storing credit cards in a non-PCI environment, they may increase fees or even shut down the merchant. By moving to Payway Complete, the newspaper moves away from a premise-based credit card interface, which not only improves data security, but also removes the local system from PCI certification scope.
Q. How does Payway Complete integrate with Newscycle Solutions?
A. Newscycle transactions use the Payway Complete hosted payment page. The Newscycle system sends initial transactions to the Payway Complete payment gateway to be tokenized using the hosted payment page. The information is then entered into the hosted page, and the gateway returns a token to Newscycle to be stored for future recurring transactions. Recurring transactions are streamed from Newscycle to the hosted Payway Complete system, with the pre-designated token representing the credit card information. The token is a unique identifier that is only relevant to the Payway Complete gateway.
Q. What is involved with the conversion from my current payment processor?
A. Payway Complete has converted well over 100+ customers from various sources (e.g., Braintree, First Data and Authorize.net). These conversions have included systems that have already been tokenized and systems with only the raw credit card data.
The steps to tokenize include:
- Get Existing Accounts and Tokens (if applicable): Coordinate with existing payment processor or system to provide an initial test file containing account information.
- Import accounts into the Payway Complete system: Run the Payway Complete task to import the accounts and generate a result file containing tokens.
- Update Newscycle system: Test import of the token mapping to the Newscycle system to replace old (Braintree) tokens with the new Payway Complete tokens.
- Validate Token Conversion: Test transactions using the new tokens and check proper routing of tokens to accounts in the Payway Complete environment.
Q. Am I required to get new merchants if I convert to Payway Complete?
A. No, you can continue to use your current merchants and end bank. However, if you choose to use one source for all your payment processing needs and wish to change merchants, Payway Complete offers merchants at extremely competitive pricing. Payway Complete is an independent sales organization of First Data and agent of CPAY.
Q. How is the customer support handled for Payway Complete?
A. Payway Complete specializes in integrating the needs of different systems, credit card processors, and client banks. We are committed to providing our customers with fast and efficient payment management through one central source. Our trained engineers and customer support team don’t just support Payway Complete, but also respond quickly to all payment processing questions. No matter where the question or problem originates—at the bank, at the credit network, or in the settlement process—we will work with you to reach a solution.