The acceptance of payment cards is attractive in today’s payment environment but there is much to consider when deciding whether to make this a form of payment accepted. The Payment Card Industry has strict regulations which dictate how we can implement card acceptance on campus. The security around handling payment cards and the direct and indirect costs of processing those payments all must be considered when determining the best option for your situation. Options for card acceptance methods and estimated costs (subject to change without notice by external groups) are provided below.
Stand-Alone Payment Terminal
This type of terminal is not connected to any other systems and connects via the Ethernet. Safe-T must be loaded on the terminal. Safe-T provides encryption and tokenization to remove the cardholder data from UNL's network. It reduces our PCI scope allowing us to maintain PCI compliance.
Direct Cost Elements
| Initial Costs | Cost |
|---|---|
| Purchase Equipment - Ingenico Desk 3500 | $270 |
| Purchase Equipment - Ingenico Desk 5000 | $431 |
| Purchase Equipment - Poynt 3G | $899 |
| On-Going Costs | Cost |
|---|---|
| Safe-T Encryption Fee | $25.00/month |
| Port Charge | $4.30/month |
| Bank/Processor Charges | 2-3% of sales |
Mobile Payment Terminal
This type of terminal utilizes cellular service to process cards. It can be either a stand-alone card swipe device or a device that works in conjunction with a UNL PCI Team approved mobile device such as an iPad. These setups can only be used for card processing and must follow the ‘UNL PCI DSS Requirements for Mobile Devices.’
Direct Cost Elements
| initial costs | Cost |
|---|---|
| Purchase equipment and Setup fee - Ingenico Wireless IWL250G | $750 + $20 |
| Purchase components, using a dedicated mini iPad | $1,131 |
| On-going costs | Cost |
|---|---|
| Cellular service | $19/month for Ingenico $45/month for mini Ipad |
| Application software service fee for mini Ipad | $10/month |
| Bank/processor charges | 2-3% of sales |
POS System Integrated Swipe Device
This type of device is integrated into a point of sale system. Any devices integrated into a POS system must be a PCIDSS certified point-to-point encryption device. Before you issue an RFP or RFI for a POS system, consult with the UNL PCI Team as certain required standards must be met and adherence to them is mandatory.
Direct Cost Elements
| initial costs | Cost |
|---|---|
| Purchase of UNL PCI Team approved P2PE equipment and a PCI secure setup through POS vendor | Varies |
| on-going costs | Cost |
|---|---|
| Bank/processor charges | 2-3% of sales |
Internet
Processing occurs via the internet. Departments wanting to accept cards via the internet should first consider using one of UNL’s established payment processing services. These are usually more economical and efficient for both the department and the University. Their charge for services is often less when you take into account the direct and indirect costs of processing cards on your own.
If these do not appear to be viable options for your needs, contact the PCI Team to determine alternative options for your situation the costs for which will include:
Direct Cost Elements
| initial costs | Cost |
|---|---|
| Setup of payment gateway | $150 |
| on-going costs | Cost |
|---|---|
| Gateway fee | $10/month |
| Transaction fee | $0.05/transaction |
| Bank/processor charges | 2-3% of sales |
| Costs of site being hosted on PCI compliant environment (outsourced or UNL) | Varies |