There are numerous ways to collect payment, but not every payment system is made equal. Providing contactless payment options in a retail environment, for instance, has many more advantages than only accepting legacy mag-stripe cards. Depending on which payment options you offer with your business, you could possibly be putting your customers and their information at risk.
In card-not-present situations, there is no better way to collect payments than through a Payment Request. It’s safe, quick, and convenient for both your employees and customers. In this post, we’ll teach you everything you need to know about Payment Requests and show you how to send one to your customers using Chargent.
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What is a Payment Request
Payment Request is one of the tools that is included with the Chargent Payment Processing for Salesforce application. Through this feature, Salesforce users can deliver a request directly to their customers through the form of a link. This link can be contained in Salesforce email templates, email, text messages, messengers, or any other media that has clickable links.
When customers click this link, they are directed to a hosted payment page, where their contact information and the amount is already populated. This form is hosted on your Salesforce site, can be easily branded with your logo and contact information, and provides a secure credit card or bank account field where customers can enter their payment details.
Best of all, once completed, the transaction is recorded in Salesforce and the correct records are updated.
Why Use Payment Request as a Salesforce Payment Option?
Payment security can be tricky and businesses must consider many factors when deciding how they will collect payments – especially in a card-not-present situation. In these cases, the threat of payment information being intercepted by a hacker or another party is vastly increased.
Phone Transactions vs. Payment Request
Some businesses still collect payments verbally over the phone, requiring customers to share their card details aloud with a sales representative on the other end of the line. This is one of the riskiest ways to collect payment, since it leaves your customers vulnerable to both company and non-company threats. First, there’s the threat of a rogue employee using the information to make unauthorized purchases – but even if all your employees are honest and integrable, the mere accusation of data theft from a customer could cause your business to take a loss in brand trust.
Employees aren’t the only threat. Sophisticated hackers can tap into phone calls, quickly compromising the customer’s card. But it doesn’t even have to be this complex – a third party standing within earshot of the customer as they verbalize their information through the phone can present just as much danger.
Sending a Payment Request removes these threats. Instead of collecting information over the phone, the business simply sends a request to the customer, allowing them to make payment on their own. This way, the employee never has access to the card information, and it isn’t verbalized in a way that makes it easy for hackers to intercept.
For call centers, pledge drives, and other phone based payments, Chargent does provide a tool to securely tokenize payments over the phone using a popup window in Salesforce called our Payment Console feature. You can even schedule or set up recurring payments that way. But more customers find the self-service nature of Payment Requests to be an easier way of capturing customer payment data — customers can do it at their convenience, and it does not need to be done in real time when your offices are open.