FrontStream Payments
FrontStream Payments is a leading provider of secure, integrated payment solutions, catering to businesses and nonprofits across North America. With a focus on flexibility, compliance, and ease of integration, FrontStream empowers organizations to accept a wide range of payment methods while maintaining the highest standards of data security.
Overview
FrontStream Payments offers a comprehensive suite of payment processing services designed to meet the diverse needs of modern organizations. Its flagship product, the ArgoFire Payment Gateway, provides a secure and flexible platform for processing online transactions, integrating seamlessly with various payment systems to enhance the user experience.
Key Features
ArgoFire Payment Gateway
The ArgoFire Payment Gateway is central to FrontStream’s offerings, enabling merchants to accept online transactions without transmitting, processing, or storing cardholder data on their servers. This design minimizes the scope of PCI compliance requirements.
Embedded Payment Form
FrontStream provides an embedded payment form that integrates into customer websites via an iframe. This form supports multiple payment methods, including credit cards, debit cards, Apple Pay, Google Pay, and ACH, while ensuring PCI DSS compliance.
Tokenization and Encryption
Payment details entered by end-users are immediately encrypted within the iframe and tokenized by the payment gateway. This process ensures that sensitive information is never exposed to the customer’s servers, enhancing security and compliance.
Next-Day Funding
FrontStream offers next-day funding services, expediting the availability of funds for organizations. Daily automated batches ensure that funds and invoice payments submitted by 11 PM are directly deposited into the merchant’s bank account the next business day.
Level 2 and Level 3 Processing
FrontStream’s Level 2 and Level 3 processing options provide opportunities to substantially reduce processing fees. By providing additional transaction data, merchants can qualify for lower interchange rates, particularly beneficial for large B2B transactions.
Supported Payment Methods
FrontStream Payments supports a comprehensive range of payment methods, including:
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Credit Cards (Visa, Mastercard, American Express, Discover)
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Debit Cards
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ACH Payments
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Electronic Checks
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Apple Pay
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Google Pay
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Recurring Billing
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Payroll Deductions
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Stock Transfers
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Personal Checks
This versatility allows organizations to cater to diverse customer preferences and streamline their payment processes.
Integration and Developer Tools
FrontStream offers robust developer tools to facilitate seamless integration of its payment solutions into existing systems. Developers can choose between simple copy/paste JavaScript or more sophisticated backend REST APIs, depending on their integration needs. The self-service portal allows for customization of the embedded payment form’s appearance, ensuring consistency with the organization’s branding.
Security and Compliance
Security is a cornerstone of FrontStream’s services. The platform is PCI Level 1 compliant, the highest level of data security in the industry. By leveraging tokenization and encryption technologies, FrontStream ensures that sensitive payment data is protected throughout the transaction process.
Industry Applications
FrontStream Payments serves a wide array of industries, including:
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Nonprofits and Charitable Organizations
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Education and Schools
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Healthcare and Home Care Services
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Independent Software Vendors (ISVs) and Franchises
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Corporate Giving Programs
Its solutions are tailored to meet the specific needs of each sector, providing specialized features such as donation processing, event payments, and tuition fee collections.
Customer Support and Resources
FrontStream is committed to providing exceptional customer support. Merchants have access to a dedicated relationship manager and a comprehensive support center offering resources on payment feature configurations, fraud prevention tips, and more.
Conclusion
FrontStream Payments stands out as a versatile and secure payment gateway solution, offering a rich set of features tailored to the needs of various industries. Its commitment to security, compliance, and customer support makes it a reliable choice for organizations seeking to streamline their payment processing and enhance their financial operations.