Payactiv vs. Visa Acceptance Solutions (CyberSource)

Ours is a service industry and not a high-paying one. Staff and this level of employment don't always have funds available for even minor problems, like a car repair. PayActiv enables them to get the funds they need in situations like that without even [having] to talk to the office.

Incentivized

This is the market leader for this service and a mid-sized organisation is unlikely to find a provider that can provide the same value for money. Once it is all set up, the process runs in the background with little involvement from our organisation. It means no customer card details are ever collected or stored on-site, reducing our compliance headache. A very large organisation or one with a very complex website may find it inadequate.

Incentivized

• It is seamless for me and my office staff
• In all the time we have used it we have never had a problem or issue
• Does not cost me any time or money

Incentivized

• Very reliable. Meets strict SLAs. Had quite a few problems in production.
• PCI compliant payment provider.
• Provides sandbox environments for engineers.

Incentivized

• I have no suggestions for improvement, it's never been a problem for my office staff and we have never had a complaint from the field staff, which is most of our employees.

Incentivized

• Cybersource should think to go for restfull api call. I am not sure if it exists because with DW it is Soap call.
• Cybersource should have some alerting mechanism where if certain auth declined in few mins, people get a notification to look.

Incentivized

I think Pay Activ is the only tool really we need as a company since it has more than just early access to money but can provide other tools to help you in your financial situation

Incentivized

Cybersource is a decent product but 2 things are driving us to look at others options. First is the lack of customer service. Every issue that requires help is dreaded as you know if will not be an easy process. This tags into the communication access with them. Multiple emails are generally required to get any response. There have been times when we requested information about PCI compliance that they never responded. Second is the cost savings with others processors. Currently we are leaning towards Elavon as their replacement.

Incentivized

• Sorry, not something we track, but I believe it has an impact on worker dignity, they don't have to come to me hat in hand ask for an advance.

Incentivized

• E-commerce could not function without being able to take a credit card, they provide this ability
• Fraud protection can stop a loss of many thousands of dollars a month.
• Ease of connecting to PayPal

Incentivized