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Credit Card Terminals Are a Thing of the Past

Payment Gateways are the future.

Bretton Financial Inc. has been providing business software and services to merchants since 1998. The company’s primary product is a Payment Gateway, a payment gateway similar to Authorize.Net that allows merchants to process credit, debit, and check (ACH) payments through a website, virtual terminal, or mobile processing system. Cloud Enabled Solutions

Get rid of that credit card Terminal and expand your business opportunities to get paid!

The payment gateway and associated services are designed to work in conjunction with your existing merchant account, but you cannot use these products by themselves to process transactions. Fortunately, products are certified to work with our merchant provider. With the simplicity of one gateway account, merchants can streamline their business processes, collection of fees, billing and reporting functions, and accounting management through the our centralized Merchant Support Center offers a multitude of reliable and secure solutions and services to help merchants run their business more efficiently, allowing them to step out of the office and in front of the customer.

You can add products and services to your business arsenal from us. Sign up with us directly and we will provide you with our compatible provider (partner) will the lowest rates guaranteed, it’s a good way to customize your account and get access to the services that are most relevant to your business. Obviously, if you don’t already have a merchant account, you’ll want to sign up for one with us right away.

Our gateway scores a solid 4.5 out of 5 stars. The gateway and associated services perform well and cover most, if not all, of the needs of e-commerce and retail merchants alike. The feedback we’ve received indicates that our prices are the lowest compared to other gateway providers. You won’t have to worry about paying more for their products than they’re worth.

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Products and Services:

Our gateway offers a host of software products for merchants, including the following:

Secure Payment Gateway- This is the heart of our product line, and you’ll need to have it set up to work with our merchant account in order to take advantage of any of our other ancillary products or features. Our payment gateway is fully PCI-compliant to protect both you and your customer’s data.

Retail- is designed to be used in conjunction with our payment gateway, our virtual terminal for accepting both card-not-present and card-present transactions. It’s compatible with most check readers. Unlike many virtual terminals, our payment gateway is not browser-based. Rather, it’s a standalone software package that installs on your computer. This Java -Point-Of-Sale (POS), software for Windows® based PCs and laptops, which interacts with our cloud-based gateway, enables merchants to securely process credit, PIN Debit, signature capture, check, and Inventory, Android Pay, Apple Pay and NFC transactions. With our simple user-interface and robust features, merchants can start accepting electronic payments faster and easier.

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Mobile- we offer apps for smartphones and tablets. Used in conjunction with our reader (either a plug-in or Bluetooth model), the app turns your device into a wireless terminal similar to Square. It’s available for Android and iOS devices. The iOS version comes in separate iPhone and iPad versions. 

Web Order Form Generator- For e-commerce merchants, the Web Order Form Generator allows you to generate custom HTML code to create online order forms for your website. It is a simple, template-driven design engine that could be customized to be used as follows: 

  • Online Bill Payment.
  • Donation Solicitations.
  • Membership Renewals.
  • Fund Raising Events.
  • Recurring, Installment Billings.
  • Single page e-commerce shopping cart.

Cart- simple product creates customized ‘Buy Now’ buttons and is handy for e-commerce. This simple solution allows a merchant to 'payment enable' their existing static website, by creating customized 'buy' buttons. These buttons contain product specific pricing, which allow the customer to make purchases from the site and generate e-commerce revenue for the merchant. All payment transactions are processed using the PCI compliant servers. Integration with our live shipping calculator provided also

Bill Pay- allows a business to generate and distribute invoices via email, greatly reducing the cost associated with preparing and mailing paper invoices, as well as, the cost of processing paper check payments. The invoices are easy to read, and contain the company’s logo. The customer can then conveniently and securely pay the invoice using the secure payment page, without even having to lick a postage stamp!

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Inventory- our integrated inventory management solution enables merchants to manage their inventory levels with automated alerts and product level sales tracking. Cost-effective and reliable, Inventory is the ideal solution for merchants who need an automated inventory management system but, don't have the funds or technical resources to build their own. Easy-to-learn and implement, Inventory allows merchants to focus on driving the success of their business, instead of creating software to manage it. Since it is cloud-based, no downloadable software is required.

You can:

  • Process inventory sales through the Online Terminal, POS and Mobile.
  • Inventory levels are automatically adjusted real-time, providing a constant up-to-date tracking of product levels.
  • Real-time reporting accurately tracks sales and seasonal trends, virtually eliminating out-of-stock situations.
  • Our secure servers ensure that the product database will not be compromised. 

CDM- our Customer Data Manager allows you to connect and manage your customers more effectively and easily. CDM utilizes our secure and centralized database portal, ensuring the security and accessibility of your customer information. The Secure cloud-based environment allows you to:

  • Store/update customer preferred payment methods.
  • Store/update customer bill to/ship to methods.
  • Charge customers for one-time and repeat purchases.
  • View customer transaction history.

Recur- our optional recurring transaction processing service allows merchants to easily sell merchandise in installment payments, or offer products and services to their clientele on a subscription or membership basis. Recur makes it easy to create recurring transactions. You may:

  • Create a recurring sale from an existing transaction in the merchant account history.
  • Set the Amount of the recurring transaction to be different than the original sale amount.
  • Customize the interval at which transactions should recur, such as: weekly, monthly, 60, 90 days, etc.
  • Set a specific number of times you want a recur to charge, or just set as indefinite.

Sync- synchronizes transaction data between your our Payment Gateway and QuickBooks. The Plugin allows real-time transaction processing directly within QuickBooks Pro, Premier, and Enterprise. Sync transactions to QuickBooks®. Sync a convenient tool that automatically and transparently synchronizes the merchant's transaction data from our servers and into QuickBooks®. These transactions include: Point of Sale, e-commerce, Mobile, Recurring, and Bill Pay. You can:

  • Sync transactions to QuickBooks®
  • Detailed transaction and batch reporting
  • Hands-off, scheduled synchronization a robust plug-in that allows merchants real-time processing of credit, debit and check transactions directly within QuickBooks® Pro, Premier and Enterprise. It also allows for downloading transaction data from our secure servers.
  • Eliminates manual-entry
  • Option for online bill payment
  • Real-time approval or decline
  • Processes multiple payment types
  • Download transactions from our Servers
  • Detailed and consolidated transaction batch reporting.
  • Inventory management options.
  • Multiple terminals and clerk management.
  • Use existing computers, printers and internet access to process secure payments.
  • Supports card and check readers, cash drawers, scanners, and PIN pad/signature capture devices.

Master Accounts- a management tool designed for businesses with multiple locations that have a need for their central or corporate location to view transaction activity for all locations within its organizational hierarchy.

  • Master Reporting accounts give the central or corporate location access to activity reports for all sub-accounts associated with it.
  • Master Processing accounts give the central or corporate location the ability to view transaction activity, as well as process transactions on behalf of all associated sub-accounts.
  • One company login, regardless of the number of sub-accounts.

Solutions for Level III - Enhanced Data Processing

Merchants with corporate and government clients know the average transaction can be very high, which can result in very costly payment processing expenses. Oftentimes though, a corporate or government client will require the merchant to accept these cards.

For these merchants, we have great news! We supports Merchant Level III transactions through multiple processing platforms bringing Business-to-Business (B2B) and Business-to-Government (B2G) transactions to merchants, while minimizing the cost of accepting purchase cards.

By passing detailed transaction information, merchants may qualify for Level III - Enhanced Data Processing categories, which are lower in cost.

Level III Enhanced Processing works seamlessly with Inventory, Online Terminal and Bill Pay.

Merchants can attract new business partners and build their client base by fostering relationships with large corporations and government agencies.

For Developers- we also offer several tools for customized integration between your website and our products. Most of these integrations run off the Transparent Database Engine Integration (TDBE) API which is the heart of our ecosystem. They also offer an Authorize.Net Emulator, designed for merchants who are already using pre-existing software.

Solutions Master Accounts - a management tool designed for businesses with multiple locations that have a need for their central or corporate location to view transaction activity for all locations within its organizational hierarchy.

  • Master Reporting accounts give the central or corporate location access to activity reports for all sub-accounts associated with it.
  • Master Processing accounts give the central or corporate location the ability to view transaction activity, as well as process transactions on behalf of all associated sub-accounts.
  • One company login, regardless of the number of sub-accounts.

number lock on top of credit cards

Solutions Fraud Protection Tools and Processing Controls- fraud Protection is an integral and built-in piece of the our secure product offering. We believe it to be so essential, that it's included with every type of merchant gateway account our company offers, because you cannot put a price on peace of mind.

  • AVS, or Address Verification System verifies whether the Street address and Zip code entered by your customer is the same as what the cardholder's issuing bank has on file.
  • CVV2/Card Verification Code lets a merchant verify that the cardholder does in fact have the card in his or her possession.
  • Block Specific Integrations - allows merchants to specify which integration types to allow (i.e. Web Order Forms, TDBE/API, Shopping Carts, etc.).
  • Disable Refunds - allows merchants to specifically decline any refunds coming from an API.
  • Block specific IP Addresses - merchants can restrict all access to the TDBE/API or Authorize.Net™ integration.
  • Velocity Controls - allows merchants to specify the maximum number of approved or declined transactions per IP address within a specified time period (i.e. minutes). This feature deters hackers and fraudsters from using your website to test a list of stolen or fraudulent credit card numbers.
  • Customized Control - allows merchants to determine if a transaction should be handled as a 'Sale', 'Auth Only' or 'Auth Convert'.
  • Convert transactions - allow transactions to convert automatically to 'Sale' (or leave as 'Outstanding') depending on (18) different AVS and (6) CVV2 criteria.

Please give us a call at 352-400-6477 for more information how we can help your business grow and save money together.