Scoria Credit Switch

Crimson's Credit Switch is one component of the Scoria Retail Suite of applications. The Credit Switch is middleware that provides a hub for setting up payment applications for a variety of tender types. This middleware is independent of the point of sale application and can be used with other POS solutions as well.

The Credit Switch allows the merchant to request and receive authorizations in real time for various payment types such as credit, debit, check, gift cards and EBT. Additional capabilities integrated in the solution include electronic signature capture, multimedia branding, dynamic currency conversion, customer surveys and contactless and mobile payments.

Both fully integrated and semi integrated options are supported with Crimson's Credit Switch.

With an abundance of functionality already built into one application, implementing Crimson's Credit Switch enables retailers to accelerate the EMV certification process, comply with the new payment industry standards and embrace new payment types. A retailer's time to certification for in-house or outsourced development of these same functions is significantly reduced when utilizing Crimson's Scoria Credit Switch.

CONFIGURATION

Centralized configuration of store specific settlement times is maintained through a Headquarters module. Parameters for the credit processor, encryption techniques, the terminal type, the types of tender accepted and thresholds for offline processing are among other parameters that are centrally controlled.

In the event of network or server failure, the Credit Switch can be configured with multiple levels of fallback to access a variety of servers. The changeover occurs without operator intervention.

SECURITY

The Credit Switch secures payments and the process for both the customer and the merchant when using P2PE and EMV solutions implemented by Crimson. This software's security handling is based on the Payment Card Industry (PCI) Payment Application Best Practices (PABP) guidelines. Certified in both the United States and Canada with a variety of payment processors.

LICENSING and FEES

Crimson's Credit Switch can be licensed on its own or can be included when purchasing the Scoria Retail Suite at a significant savings.

There are no transactions fees when using the Credit Switch. In fact, with the level of detail captured when using Crimson's Credit Switch, the interchange fees charged by the card brands can be reduced when processing business credit cards.

Crimson Certifications

Processors (US and Canada)

  • First Data
  • Chase Paymentech
  • Global Payments
  • Vantiv
  • Paymentus
  • VeriFone
  • Moneris
  • Shift4
  • Heartland Payment Systems
  • Elavon
  • GE
  • Blackboard

Gift Card Certifications

  • SVS - Stored Value Solutions
  • Chase Paymentech
  • First Data
  • Chockstone

Check Authorization

  • Telecheck
  • Equifax

Foreign Currency Exchange

  • Fexco

Taxation

  • Vertex Inc.
  • Avalara

US State Government Electronic Benefit Transfer

  • EBT through First Data

Supported PIN Pad Devices

  • VeriFone
  • Equinox
  • Ingenico