WE MOVE DATA
NOT FUNDS

Scale your payments
securely and with versatility.

Because your payment process requirements need it

Facilitating payment processes has become exponentially more challenging. As customers increasingly adopt a digital first attitude, their needs, options and volume of payments have rapidly expanded. Conversely, with consumerization demanding greater simplicity and convenience, all online payments continue to attract increasing numbers of nefarious digital actors that your company and ecosystem needs to be protected against.

Simplifying merchant account payment processes

We connect the merchant to their accounts with a single, highly secure, customized entry point. Our solution, customized for each customer, allows the merchant to implement a rule-based routing of their transaction to their merchant accounts seamlessly – while meeting comprehensive security and compliance requirements.

Representative Payment Solutions Customers

Virtual Terminal
Solution

Simple and secure SaaS-based payment system

Consolidated
Reporting

Streamline reporting over all your merchant account and payment methods

Online Payments
Solution

Accept payments directly from your site for fast and secure online checkout

STEP it up

With Our Specialized Gateway

The STEPpay® Gateway, along with our business processes, integrations, and supporting technology, is QSA validated designating us as a PCI DSS 3.2.1 Level 1 Service Provider.

Payment options we support

Credit Card
Payments

Robust cloud-based payment system for fast and secure online checkout

Recurring
Payments

Easy to set up, accept, and process automatic payments, providing convenience and a reduced cost

ACH
Payments

Securely accept online payments directly from your site

Why merchants like you benefit from Coalesce Payment Solutions

Coalesce® has been supporting trusted brands and organizations for over a decade with its fully SaaS-based and highly secure Payments solutions.
The benefits of our unique approach and payments solutions include:

Scale Without Effort

Merchants using STEPpay® gateway services enjoy the ease and flexibility of using a single gateway to transact concurrently with multiple acquiring banks. STEPpay scales with merchants without requiring upfront or incremental engineering – whether your organization has a single merchant account or hundreds of accounts.

Flexibility

We securely route transactions using Merchant-defined rules to help Merchants focus on the business instead of managing payments. In addition, tokenizing your solutions provides additional flexibility with the ability to send tokens to all your merchant accounts

Security and Compliance

Coalesce Solutions® knows security and compliance better than most. Our gateway is built in-house and supported in-house, and we are an L1 service provider as well as a PCI DSS Level 3.2.1 Service Provider – the highest Level of certification for securing online transactions. We comply with the most rigorous testing every year making us compliant with the most stringent standards, including HIPAA.

Comprehensive Reporting

Customized reporting is available via the STEPpay® Report Dashboard allowing you to design your reports with all details critical to your operations.

Our Payment Solutions are built on AWS (Amazon Web Services), the world’s largest cloud services platform. Utilizing the same reliable, scalable infrastructure used to power Amazon.com’s global web properties powers Coalesce to provide our Payment Solutions anywhere across the globe at scale.

A gateway that combines
simplicity and security with
high efficiency

The STEPpay® integrated payment gateway provides an easy way to accept payments online, improve efficiency by eliminating double data entry, enhance payment security, and reduce costs by streamlining workflows.

Why a gateway is more important than you think

Gateways tend to be viewed as critical connections between the obvious start and end points – e.g. cardholder vs. merchant. However, there are actually many more parties involved, including card issuers and networks, payment processors, and the acquiring and issuing banks.

All of these different points and workflows have to work in concert – securely, in compliance, with high QoS expectations – at scale. STEPpay® has supported millions of transactions annually for over 10 years.

Merchants demand premium security
– Tokenization and Level 1 PCI compliance

With a merchant’s revenues and brand at stake in a world of ever-increasing online payment transactions, STEPpay® was designed with premium security capabilities such as tokenization and with Level 1 PCI compliance standards in mind.

Explaining Tokenization

Unlike encryption, which relies on a mathematical algorithm that can theoretically be reversed mathematically, tokenization utilizes a process in which the customer data gets replaced with a token based on a completely random number. The STEPpay® tokenization process keeps card and banking information highly secure and encrypted in our vault.

The benefits of tokenization include:

The actual card information is never exposed to the merchant
Lower cost per transaction due to lower computation resources needed
Complete, end-to-end security method
Highly aligned with mobile platform payment security technologies
Reduced PCI scope for merchants

The value of Coalesce Solutions® as a PCI Level 1 Provider and a PCI DSS Level 3.2.1 Service Provider

Created by Visa, MasterCard, Discover, and American Express in 2004, PCI DSS are standards all businesses that transact via credit card must abide by. Obtaining – and maintaining – PCI compliance is extremely complex. The graph below illustrates the four levels and their compliance difficulty. Level 1 is the strictest in terms of DSS requirements.

Coalesce Solutions has proudly held the Level 1 PCI compliance distinction for more than 3 years due to both the scale of transactions we support and the most rigorous standards we employ in our processes and staff.

Let STEPpay work for you

STEPpay® Credit Card Payment Processing

Our cloud-based payment system for fast and secure online checkout using any of the leading Credit Card Network provides Visa, MasterCard, American Express and Discover

Customer
Benefits

Simplicity

Security

Online Tokenized Payment Solution and QSA validated PCI Level 1 DSS enables safe online Credit Card and ACH transactions