FAQ's

FAQ 1. Is the TPro Gateway secure?

The TPro gateway was designed with security as its utmost focus. TPro's security encryption measures use 128-bit Secure Sockets Layer (SSL) Internet Protocol (IP) connection technology which protect all merchant and payment information.

FAQ 2 What type of transactions are supported by TPro?

TPro supports all major credit card, and pin based debit cards.

FAQ 3. Do you need a merchant account?

In order to accept credit card payments, yes you will need a merchant account. However, for our Rewards and Loyalty Program as well as our Access Program that allows you to store sensitive data no merchant account is needed.

FAQ 4. Do I have to change processors to use the TPro Gateway?

As long as your processor uses First Data Resources, Omaha, Paymentech, or Nova you will easily be able to switch gateway providers.

FAQ 5. What kind of reporting does TPro offer?

One of the big advantages of TPro is its vast reporting capabilities, you can view all settlement reports by date, credit card number, by order number or by customer ID. Also in TPro you can see when the batch was run, for how much and by specific transactions.

FAQ 6. What makes TPro stand out from other processing gateways?

• No transaction fees
• Easy to integrate API
• Ability to add multiple merchant accounts to the same interface to process
• Multiple users with different permission groups, even the ability to restrict merchant accounts to certain users
• Ability to report on merchant's terminal not just online transactions
• Shows chargebacks and retrieval requests inside of gateway

FAQ 7. What kind of fraud protection does TPro offer?

TPro offers at no extra charge AVS (address verification system) and CVV2 (The CVV2 is a 3- or 4-digit value printed on the card or signature strip, but not encoded on the magnetic stripe) fraud prevention filters. We also monitor for duplicate transactions, and thresholds built in for max dollar amount that are managed by the system and not individual merchants.

FAQ 8. How do I submit my web site to the TPro Payment Gateway?

TPro has a very simple API where we supply you with code that helps you set up your web site to use our remote processing module to process credit cards.

FAQ 9. What is the gateway monthly fee?

Another advantage of TPro unlike many gateway providers is that there are no hidden fees. The flat monthly fee is $29.99 with no additional transaction fees.

FAQ 10. How is a credit card transaction processed through TPro?

The following steps summarize a credit card transaction processed through the payment gateway.

Step 1: A merchant submits a credit card transaction to the TPro payment gateway via secure connection from a Web site, at a retail location, from a mail order/telephone order (MOTO) center.

Step 2: TPro then passes the transaction securely to the Credit Card Interchange via the merchant bank's processor.

Step 3: The Credit Card Interchange routes the transaction to the customer's credit card issuer.

Step 4: The credit card issuer approves or declines the transaction based on the customer's available balance and passes the transaction results and (if approved) the appropriate funds back through the Credit Card Interchange.

Step 5: The Credit Card Interchange relays the transaction results back to the payment gateway via the merchant bank's processor.

Step 6: TPro sends the transaction results to the customer and/or the merchant.

Step 7: The Credit Card Interchange passes the transaction funds to the merchant's bank, which then deposits the funds into the merchant's bank account.