Payment Processors

The payment processors (gateways) listed below enable our customers to collect online payments in a safe and secure environment.

Payment Processors

LumaPay combines the power of Lumaverse Technologies solutions, which includes Learning Stream, with Stripe, a leading payments provider.

What you need to know: LumaPay is an all-in-one, which means you do not have to set up a separate merchant account. LumaPay, via Stripe, has straightforward pricing and is easy to set up within our Learning Stream account. Plus, Learning Stream provides direct support.

Authorize.net, the largest gateway in terms of customers, can be a quick solution for organizations that already have a merchant account for online payments. Authorize.net has traditionally focused on small to medium-sized organizations, or those that don’t have a high volume of transactions each year. If you do not have a merchant account, Authorize.net can also help you set up one with one of its partners.

Authorize.net is a fully-integrated gateway, which means persons can’t complete the registration process until online payment is verified. You would pay a monthly fee, as well as a transaction fee, in addition to any fees subtracted by the merchant services provider. Start your Authorize.net application.

PayPal Payflow Pro Gateway is one of several PayPal payment products. Like Authorize.net, Payflow Pro Gateway is designed for organizations that already have a merchant account.

What you need to know: Like Authorize.net, Payflow Pro Gateway can fully integrate with the online registration process, so that registrants are not confirmed until they successfully complete payment. Payflow Pro Gateway charges setup, monthly service, and transaction fees. It may be more cost-effective than Authorize.net if your volume reaches a certain level.

PayPal Payment Standard is a combination gateway and merchant account. It is not fully integrated with the registration process like Authorize.net or Payflow Pro Gateway. When a registrant completes sign-up, they are taken to the PayPal site to complete payment. Payment Standard, which can be set up in a matter of minutes, may be a good alternative for small, one-time events in which the payment process will only be active for a short time.

Payment Standard does not require any setup or ongoing fees. PayPal will deduct its percentage from each transaction before depositing the proceeds in your checking account.

Touchnet is a commerce solution used by hundreds of colleges and universities. It connects an institution’s business applications to payment processors and banks through the online payment process. Among its services is a payment gateway.

If your college is already using Touchnet, you may be required to use the program’s gateway tool.

Transact, formerly known as Cashnet, is like Touchnet in that it’s a payment processor used on many college campuses. Tuition payments, parking fees, and myriad other transactions funnel through Transact. Also like Touchnet, you may be required to use Transact if your campus already uses it as its gateway and processing solution.

Because of its many configuration options, there will be a fee to connect Learning Stream to Transact.

Cybersource, the second largest gateway, owns Authorize.net and is owned by Visa. It has traditionally focused on larger businesses, though not exclusively. Whereas Authorize.net focuses on setting up payment gateways only, Cybersource offers other services, such as risk management features, to protect merchants who do online business.

What you need to know: If your organization needs financial protection services beyond simply a payment gateway, Cybersource may be worth consideration.

Elavon was formed by the merger of NOVA Information Systems and euroConex, and today counts more than 1 million merchants as customers trusting the company to efficiently and securely manage their payments business. The company claims to be consistently ranked among the top five global payment providers and is backed by U.S. Bank.

What you need to know: Learning Stream integrates with Elavon’s Converge product, formerly known as Virtual Merchant.

Illinois Funds Epay is used by local governments and state agencies in Illinois to offer their constituents easier, faster payment choices. E-Pay participants can choose to accept credit cards, bankcards and/or electronic check payments online, by phone or in person. The service is provided by the State Treasurer’s Office to more than 650 local governments and state agencies in Illinois, including elected county officials, county treasurers, cities and villages, schools, libraries, parks and recreation facilities, sewage treatment districts, sanitation districts, community colleges, and universities.”

If you are an Illinois-based, government or related organization, you likely use Illinois Epay as your payment gateway, so integrating with Learning Stream will be a snap.

Value Payment Systems, LLC (VPS) is an experienced, full-service e-payment company with its own proprietary payment platform and payment gateway.VPS offers broad client and platform expertise within a wide range of industries including: governments (federal, state, local), property management, educational institutions, healthcare companies, financial institutions, tax preparers, utilities and public sector entities, and other selected industries and billers.

This Tennessee-based, Inc. 5000 company is a newcomer to the industry, having been founded in 2008.

Intercept Payment Solutions’ payment gateway – Jolokia – is named after one of the world’s hottest peppers because it “brings blazing speed and multiple transaction options to your business.” Jolokia is a secure (SSL), web-based tool to create and transfer electronic transactions. You can enter transactions easily from your computer, manage ACH and check credit card transactions without the added expense of software and maintenance. It allows you to set up one-time or recurring transactions and offer flexible payment options to your customers.

What you need to know: Jolokia is supported only on computers running Windows (Vista, Windows 7, Windows 8), Internet Explorer (IE 8 or newer) and .NET Framework version 3.5 (or newer).

Security

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