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Ultimate
Credit Card
Payment Suite

RevCent offers a full range of tools to route credit card payments, handle declines, recover revenue, manage chargebacks and more.

Gateways
Payment Routing
Recovery
Chargebacks
Card Data
MID Mgmt.

Gateway Chosen

Selected Gateway

NMI

Selection Settings

Evenly distribute across the gateway list formed from gateway group(s):

  • Acme Inc. Gateways

AND

Prefer gateway if any of the following:

  • Previously Approved For Customer

AND

Do not choose gateway if any of the following:

  • Previously Declined For Customer

AND

Do not choose gateway if in any of the following gateway group(s):

  • Closed MIDs

AND

As a failsafe, if no gateways end up being chosen, randomly choose from the following gateway(s):

  • Backup Gateway

Payment Success

Amount

$125.08
  • ID: aW5NrjYPLLA9v
  • Gateway: NMI
  • Gateway Trans. ID: 4691520268
  • Gateway Response: Approved
  • Gateway Auth Code: 531921

Metadata Inserted

Inserted To Customer

  • request_type: initial_sale
  • num_attempts: 1
  • is_upsell: false
Start Processing

Payment
Gateways

Add your merchant account gateways to RevCent in no time. RevCent currently supports several gateways and are constantly adding new ones.

Gateway Docs

Pick Your Gateway

Choose the payment gateway you are using from the list of gateways available in RevCent.

Enter Credentials

Enter the credentials provided by the gateway. Include the discount rate and fees for profit reporting.

Process Payments

Once a gateway is added, you are immediately able to process credit card transactions using RevCent.

Payment Profiles

Payment
Routing

Payment profiles allow you to route payments to the gateway you want, with simple or advanced processing and routing logic.

Next-Gen or Basic

RevCent offers two types of payment profiles, the Next-Gen Profile and the Basic Profile.

Dynamic Routing

Payment profiles allow you to route payments to the most optimal gateway at time of payment.

Increase Approvals

Utilizing payment profiles in conjunction with rules, filters and groups, will increase approvals.

Next-Gen Profile New

The Next-Gen profile is a payment router which you design using the visual payment flow builder.

Next-Gen Profile Docs

  • Great for businesses with advanced payment needs.
  • Payment flow is created using the visual builder.
  • Filters, branching and pre/post payment actions.
  • Gateway choice settings offer unlimited potential.
Multiple Stores

You have more than one store, each with its own corporation. You want to prevent cross corp transactions while keeping approvals high.

Advanced Routing

You require advanced payment routing logic, including initial sales versus upsells, customer retries and scenarios which require specificity.

Basic Profile Simple

The Basic profile is a step based payment router, with up to three steps, allowing simplified routing.

Basic Profile Docs

  • Useful for basic payment processing.
  • Payment flow is a fixed, max 3 step design.
  • Each step can be a static or dynamic gateway.
  • Gateway choice settings are limited in capability.
Single Store

Your business consists of a single store and corporation, with consistently high approval rates and minimal to no chargebacks.

Simple Routing

You only require basic payment routing, without the need for custom filtering, distribution or gateway choice logic.

Recover Lost Revenue

Revenue
Recovery

Recover lost revenue, including abandoned carts and failed renewals, using RevCent's automated revenue recovery tools.

30%

Soft Decline
recovery rate

A soft decline occurs when a customer either submitted incorrect info, asked to contact their bank, etc. Soft declines have the highest recovery rate.

Next-Gen Payment Profile

  1. Utilize a Next-Gen payment profile to parse a gateway response.
  2. Provide specific terms which must match within the response.
  3. If a match occurs, create a custom error message to display.
  4. Display the error message to the customer during checkout.

15%

Abandoned Cart
recovery rate

An abandoned cart occurs when a customer tried to pay for an initial sale, but all attempts were unsuccessful. At RevCent we call this a pending sale.

Pending Sale Profile

  1. Utilize a pending sale profile to retry failed initial sales.
  2. Set specific time rules on when to re-attempt payment.
  3. Filters are available to avoid re-attempts you wish to skip.
  4. RevCent processes the re-attempts automatically.

13%

Hard Decline
recovery rate

Encompasses all other declined payment attempts that were either fully rejected, or were partially successful via transaction amount reduction.

Salvage Transaction Profile

  1. Utilize a salvage transaction profile to recover lost revenue.
  2. Can apply to failed renewals, failed trial expirations and sales.
  3. Set specific rules and filters, including max number of attempts.
  4. Process the recovery attempts automatically or manually.
Fight Chargebacks

Chargeback
Management

RevCent's easy to implement API and document feature allow third party chargeback management companies to integrate, fight and update chargeback representment data.

Chargeback Management

API

Utilize the RevCent API to create a chargeback, retrieve evidence and modify a chargebacks' details.

Chargeback API Docs

Implementation

Easily create a chargeback in RevCent specific to a transaction. You can provide the gateway transaction ID or the RevCent transaction ID.

Well Documented

Check out our API docs for examples, schemas and more.

Evidence

Documents in RevCent are the important details regarding a specific item and can be accessed via web app or API. The document feature is especially useful for fighting chargebacks.

Representment Evidence

Doc JSON

The raw JSON will contain all info specific to the transaction which has a chargeback, including tracking visitor information, IP details and more.

Doc ZIP

The document ZIP file will contain the raw JSON data as well as a friendly formatted .docx file. You can download the ZIP file in the web app or using the zip_url property in the API call response.
PCI Level 1

Customer
Card Storage

RevCent is a certified PCI DSS Level 1 service provider and securely stores customer credit cards.

Customer Card Docs

PCI Level 1

Our PCI DSS Level 1 certification allows us to store customer card data on behalf of our users.

Encryption

RevCent utilizes the latest encryption for all communication, access and payment data storage.

Monitoring

RevCent runs on AWS, which provides enhanced monitoring capabilities and threat detection.

How It Works

When RevCent encounters a non-existing card for a customer, it will validate, enrich with BIN data and securely store it.

1 New Card

A new card is either detected during an initial sale request, created using the API or added via web.

2 Card Validated

The new credit card is validated, enriched with BIN data and undergoes multiple fraud checks.

3 Card Stored

If the card is valid and does not already exist, it will be securely stored on behalf of the user.

4 Card Processed

Any initial sale requests or future payments for the customer are processed using the stored credit card.

How You Benefit

Saved customer payment data can be used for additional purchases, renewals and trial expirations.

Additional Purchases

Use the stored card for future purchases such as upsells, new orders and more.

Subscription Renewals

Subscriptions are renewed using the current default customer card within RevCent.

Trial Expirations

Trial expirations will use the customer card from the initial sale associated with it.

Increase Approvals

BIN
Routing

Increase approvals by routing payments to specific gateways based on the first 6 or 8 digits of the credit card number.

BIN Routing Docs

BIN Profiles

Create a list of BINs using the BIN profile table in the RevCent web app.

BIN Profile Docs

Gateway Settings

Set only, prefer and deny BIN settings for each gateway using BIN profiles.

Gateway Docs

BIN Research

Run research queries in your dashboard to see BIN performance per gateway.

Research Docs

How It Works

RevCent can allow, prefer or deny specific BIN's at the gateway level at time of payment.

1 Payment Request

When a payment request is received, RevCent will parse the credit card BIN.

  • Credit card BIN information is enriched with issuer details.
  • The BIN is searched against all BIN profiles and gateways.
2 BIN Match

RevCent matches for gateway BIN profile allow, prefer and deny settings.

  • If a match is found for allow or prefer, the gateway is viable.
  • If a match is found for deny, the gateway is not to be chosen.
3 Gateway Selected

Any gateways that match the allow or prefer settings are prioritized.

  • Gateways that matched the allow BIN setting are given priority over prefer.
  • If no gateways match, BIN is ignored and normal gateway selection occurs.
4 Payment Processed

The final gateway selected will receive the payment to be processed.

  • Approvals should increase if BIN profiles and gateways are optimized.
  • Conduct BIN research to find the most optimal gateway at the BIN level.
Protect Your MID's

MID
Management

Stop losing merchant accounts, and increase approvals, by properly managing them using RevCent's suite of payment, anti-fraud and reporting tools.

Gateway Groups

Properly organize your merchant accounts and prevent cross corp transactions using gateway groups.

Gateway Group Docs

  • Create a gateway group for each merchant account corporation you plan to add to RevCent. You will use the gateway group feature as a MID corp. organizer.
  • When adding a merchant account, set the corresponding gateway group according to the corporation the MID is associated with.
  • Utilize gateway group restrictions within payment profiles to prevent individual customers from transacting across corporations.
  • When a customer transacts with a specific gateway group, they will only be allowed to transact with MID's in the same group.

Revenue Rules

Utilize revenue rules for individual MID's, including volume, chargebacks, declines and more.

Revenue Rule Docs

  • Prevent RevCent from using a MID if one or more revenue rules do not pass. Revenue rules can be based on volume, chargebacks, and time.
  • Depending on your monthly cap for a MID, set a daily limit on the amount captured, preventing the MID from processing once the limit has been reached.
  • You have the ability to prevent processing on a specific MID if the number, or volume, of decline transactions has reached a specific treshold you specify.
  • If chargeback management is properly integrated, you can prevent processing on a MID that has surpassed a specific number of chargebacks.

Next-Gen Profiles

Use the Next-Gen Payment Profile to retry transactions on the same gateway if specific gateway error messages are returned.

Next-Gen Profile Docs

  • If a MID returns a CVV error response or code, a Next-Gen profile allows you to return a custom error message to the customer.
  • If a MID returns a Contact Bank or Pick Up Card error, ask the customer to contact their bank, then retry on the same MID.
  • If offering upsells, retry on the same MID that the customer was approved on for the initial sale, ensuring processing success.
  • If a customers' payment is declined, prevent the same MID from processing the transaction on any additional payments for the customer.

Sentinel Anti-Fraud

RevCent offers Sentinel, an in-house multi layered anti-fraud system which protects your account from processing fraudulent charges.

Anti-Fraud

  • Utilize Sentinel, an anti-fraud tool built by RevCent, designed after years of experience with ecommerce payments.
  • Sentinel prevents fraudulent payments from ever processing on a MID, and saves fraud data to prevent future attempts.
  • Every payment attempt undergoes three separate anti-fraud mechanisms: Fraud Firewall, Visitor Validator and a third party check.
  • You have the ability to customize the behavior and strictness of Sentinel, allowing certain payment attempts to be processed.

Reporting

Keep track of your MID's approval rates and overall performance using the reporting tools that RevCent offers.

Reporting

  • Check to see if MID's are underperforming, or have exceeded their cap, using the pre-built report pages or the custom dashboard.
  • View individual MID chargeback rates, including by request type and method, to identify any problematic payments you may need to address.
  • Decline rates and overall decline volume can be viewed on the Payments Report page, with the ability to group by metadata or other variables.
  • Set up automatic notifications based on a specific metric related to one or more MID's using the Auto Query feature built into the custom dashboard.