# Navidor Payment Solutions > Payment solutions done right --- ## Pages - [EMV- 3D secure](https://navidor.com/services/3d-secure/) - [Accounting Integration](https://navidor.com/services/accounting-integration/) - [Cash Discount, Dual Pricing & Surcharging](https://navidor.com/services/surcharging-cash-discount-dual-pricing/) - [Payment Links](https://navidor.com/services/payment-links-pay-by-link/) - [Level 2 and Level 3 Processing](https://navidor.com/services/l2-l3-processing/) - [EMV- 3D secure](https://navidor.com/services/3d-secure/) - [Cash Discount, Dual Pricing & Surcharging](https://navidor.com/services/surcharging-cash-discount-dual-pricing/) - [Synchronisation automatique des encaissements en comptabilité](https://navidor.com/services/accounting-integration/) - [Level 2 et Level 3 Processing](https://navidor.com/services/l2-l3-processing/) - [Transformez vos paiements avec “Pay by Link”](https://navidor.com/services/payment-links-pay-by-link/) - [OFX](https://navidor.com/payment-solutions/international-money-transfers/ofx/) - [OFX](https://navidor.com/payment-solutions/international-money-transfers/ofx/) - [The Navidor Team](https://navidor.com/about-us/the-navidor-team/) - [L'équipe Navidor](https://navidor.com/about-us/the-navidor-team/) - [TransferMate](https://navidor.com/payment-solutions/international-money-transfers/transfermate/) - [TransferMate](https://navidor.com/payment-solutions/international-money-transfers/transfermate/) - [Payment solutions](https://navidor.com/payment-solutions/) - [Moyens de paiements](https://navidor.com/payment-solutions/) - [Glossary](https://navidor.com/support/glossary/) - [Blog](https://navidor.com/blog/) - [Navidor Payment Solutions](https://navidor.com/) - [Navidor Payment Solutions](https://navidor.com/) - [Equipment](https://navidor.com/equipment/) - [Services](https://navidor.com/services/) - [International Transfers](https://navidor.com/payment-solutions/international-money-transfers/) - [Support](https://navidor.com/support/) - [About Us](https://navidor.com/about-us/) - [Contact Us](https://navidor.com/about-us/contact-us/) - [A propos de nous](https://navidor.com/about-us/) - [Contactez-nous](https://navidor.com/about-us/contact-us/) - [Matériel](https://navidor.com/equipment/) - [Transferts internationaux](https://navidor.com/payment-solutions/international-money-transfers/) - [Services](https://navidor.com/services/) - [Support](https://navidor.com/support/) - [Electronic Checks Processing](https://navidor.com/payment-solutions/electronic-check-processing/) - [Chèques électroniques](https://navidor.com/payment-solutions/electronic-check-processing/) - [Prélèvement Direct sur compte bancaire](https://navidor.com/payment-solutions/ach-debit/) - [ACH Debit](https://navidor.com/payment-solutions/ach-debit/) - [Custom Reporting](https://navidor.com/services/custom-reporting/) - [Rapports personnalisés](https://navidor.com/services/custom-reporting/) - [Loyalty Programs](https://navidor.com/services/loyalty-programs/) - [Create a ticket](https://navidor.com/support/create-a-ticket/) - [POS Systems](https://navidor.com/equipment/pos-systems/) - [Systèmes de point de vente / point de services](https://navidor.com/equipment/pos-systems/) - [Programmes de fidélité](https://navidor.com/services/loyalty-programs/) - [Demande d'assistance](https://navidor.com/support/create-a-ticket/) - [Chinese payments](https://navidor.com/payment-solutions/chinese-payments/) - [Paiements chinois](https://navidor.com/payment-solutions/chinese-payments/) - [Virtual Terminals](https://navidor.com/equipment/virtual-terminal/) - [Gift Cards](https://navidor.com/services/gift-cards/) - [Terminaux virtuels](https://navidor.com/equipment/virtual-terminal/) - [Cartes-cadeaux](https://navidor.com/services/gift-cards/) - [Blog](https://navidor.com/support/blog/) - [Multi-Currency Processing](https://navidor.com/payment-solutions/multi-currency-international/) - [Electronic Invoicing](https://navidor.com/services/electronic-invoicing/) - [FAQ](https://navidor.com/support/faq/) - [Paiements en devises](https://navidor.com/payment-solutions/multi-currency-international/) - [Facturation électronique](https://navidor.com/services/electronic-invoicing/) - [FAQ](https://navidor.com/support/faq/) - [Mobile Solutions](https://navidor.com/equipment/mobile-solutions/) - [Solutions mobiles](https://navidor.com/equipment/mobile-solutions/) - [Credit Card Processing](https://navidor.com/payment-solutions/credit-card-processing/) - [Terminals](https://navidor.com/equipment/terminals/) - [Cash Flow Solutions](https://navidor.com/services/cash-flow-solutions/) - [Terminaux](https://navidor.com/equipment/terminals/) - [Acceptez les cartes de crédit](https://navidor.com/payment-solutions/credit-card-processing/) - [Aide à la trésorerie](https://navidor.com/services/cash-flow-solutions/) - [Important Phone Numbers](https://navidor.com/support/support-contact-information/) - [Numéros Importants](https://navidor.com/support/support-contact-information/) --- ## Posts - [ISOs vs. ISVs: What’s the Difference & Why It Matters for Your Business](https://navidor.com/isos-vs-isvs-whats-the-difference-why-it-matters-for-your-business/) - [ISOs vs. ISVs : Quelle est la différence et pourquoi est-elle importante pour votre entreprise ?](https://navidor.com/fr/isos-vs-isvs-quelle-est-la-difference-et-pourquoi-est-elle-importante-pour-votre-entreprise/) - [Exploring the Payment Card Industry in the U.S.](https://navidor.com/exploring-the-payment-card-industry-in-the-u-s/) - [Explorer le secteur des cartes de paiement aux États-Unis](https://navidor.com/fr/explorer-le-secteur-des-cartes-de-paiement-aux-etats-unis/) - [Chinese Payment Methods: Expanding Opportunities for U.S.-Based Businesses](https://navidor.com/chinese-payment-methods-expanding-opportunities-for-u-s-based-businesses/) - [Méthodes de paiement chinoises : Des opportunités accrues pour les entreprises basées aux États-Unis](https://navidor.com/fr/methodes-de-paiement-chinoises-des-opportunites-accrues-pour-les-entreprises-basees-aux-etats-unis/) - [Comprendre les rétro facturations (« chargebacks ») - Un guide simple pour les commerçants](https://navidor.com/fr/comprendre-les-retro-facturations-guide-pour-commercants/) - [Understanding Chargebacks](https://navidor.com/chargebacks-avoid-risk-understand/) - [Dual Pricing: A Comprehensive Guide for Merchants](https://navidor.com/dual-pricing-payment-method-double-price/) - [ Surcharging](https://navidor.com/surcharge-credit-cards-merchants-compliant-costs-of-processing/) - [Customized Reporting](https://navidor.com/customized-reporting-precision-specialized-reports-crisis-management-optimization/) - [Accounting Software Synchronization](https://navidor.com/accounting-software-integration-synchronization/) - [EMV 3D Secure v2 (3DS2)](https://navidor.com/emv-3d-secure-v2-3ds2-advantages/) - [Secure Bancard](https://navidor.com/secure-bancard/) - [Bryte](https://navidor.com/bryte/) - [Payzli](https://navidor.com/payzli/) - [PAAY](https://navidor.com/paay/) - [Paytweak](https://navidor.com/paytweak/) - [Irbico](https://navidor.com/irbico/) - [Vivid](https://navidor.com/vivid/) - [Sensepass](https://navidor.com/sensepass/) - [Dejavoo](https://navidor.com/dejavoo/) - [Data USA](https://navidor.com/data-usa/) - [Chargezoom](https://navidor.com/chargezoom/) - [Secure Bancard](https://navidor.com/secure-bancard/) - [Bryte](https://navidor.com/bryte/) - [Payzli](https://navidor.com/payzli/) - [PAAY](https://navidor.com/paay/) - [Paytweak](https://navidor.com/paytweak/) - [Irbico](https://navidor.com/irbico/) - [Vivid](https://navidor.com/vivid/) - [Sensepass](https://navidor.com/sensepass/) - [Dejavoo](https://navidor.com/dejavoo/) - [Data USA](https://navidor.com/data-usa/) - [Chargezoom](https://navidor.com/chargezoom/) - [Multi-Currency Conversion (MCC) : Grow revenue by attracting international customers](https://navidor.com/multi-currency-conversion-mcc-merchants-currencies/) - [Visa brand modifications: highlights, calendar and useful tips for merchants in the US](https://navidor.com/visa-brand-modifications-highlights-calendar-useful-tips-merchants-usa/) - [Dynamic Currency Conversion (DCC), a seamless customer experience for international cardholders](https://navidor.com/dynamic-currency-conversion-dcc-international-cardholders/) - [How can merchants save money on their B2B credit card acceptance costs](https://navidor.com/how-can-merchants-save-money-on-their-b2bcredit-card-acceptance-costs/) - [What is the Interchange?](https://navidor.com/what-is-interchange-merchants-rates-fees/) - [Qu'est-ce que l'Interchange?](https://navidor.com/what-is-interchange-merchants-rates-fees/) - [Mastercard is implementing new rules for merchants using subscriptions and recurring billing](https://navidor.com/mastercard-new-rules-subscriptions-recurring-billing-merchants-december-2021-june-2022/) - [Isabel Marant](https://navidor.com/isabel-marant/) - [Isabel Marant](https://navidor.com/isabel-marant/) - [Bread and Vine Bakery](https://navidor.com/bread-and-vine-bakery/) - [Bread and Vine Bakery](https://navidor.com/bread-and-vine-bakery/) - [Elavon](https://navidor.com/elavon/) - [Elavon](https://navidor.com/elavon/) - [OFX](https://navidor.com/ofx/) - [OFX](https://navidor.com/ofx/) - [Planet Payment](https://navidor.com/planet-payment/) - [History of the Gift Card](https://navidor.com/history-of-the-gift-card/) - [How do gift cards work ?](https://navidor.com/how-do-gift-cards-work/) - [Gift Card statistics](https://navidor.com/gift-card-statistics/) - [What is a loyalty/reward card?](https://navidor.com/what-is-a-loyalty-reward-card/) - [How Does a Loyalty Card Work?](https://navidor.com/how-does-a-loyalty-card-work/) - [Different types of reward programs](https://navidor.com/different-types-of-reward-programs/) - [WORLDLINE](https://navidor.com/worldline/) - [WORLDLINE](https://navidor.com/worldline/) - [Nuvei](https://navidor.com/nuvei/) - [Nuvei](https://navidor.com/nuvei/) - [Leonidas](https://navidor.com/leonidas/) - [Tips on Avoiding Chargebacks](https://navidor.com/tips-on-avoiding-chargebacks/) - [Simone Perele](https://navidor.com/simone-perele/) - [KVB/Orcom](https://navidor.com/kvb-orcom/) - [Stephane Cremieux](https://navidor.com/stephane-cremieux/) - [Saint James USA](https://navidor.com/saint-james-usa/) - [French District](https://navidor.com/french-district/) - [Vivies & Ganem](https://navidor.com/vivies-ganem/) - [O'Cabanon](https://navidor.com/ocabanon/) - [Le Bouchon du Grove](https://navidor.com/le-bouchon-du-grove/) - [Understanding Payment Card Industry in the U.S.](https://navidor.com/understanding-payment-card-industry-in-the-u-s/) - [Accepting USD with a "MERCHANT ACCOUNT" outside the U.S.](https://navidor.com/accepting-usd-with-a-merchant-account-outside-the-u-s/) - [Opening a "Domestic Merchant Account" in the U.S.](https://navidor.com/opening-a-domestic-merchant-account-in-the-u-s-accepting-usd-from-a-company-incorporated-in-the-usa/) - [Citcon](https://navidor.com/citcon/) - [FIS](https://navidor.com/worldpay/) - [Card Connect](https://navidor.com/card-connect/) - [Fiserv](https://navidor.com/fiserv/) - [Corpay](https://navidor.com/corpay/) - [Authorize.net](https://navidor.com/authorize-net/) - [Fiserv](https://navidor.com/fiserv/) - [Card Connect](https://navidor.com/card-connect/) - [FIS](https://navidor.com/worldpay/) - [Paya Services](https://navidor.com/paya-services/) - [Corpay](https://navidor.com/corpay/) - [TransferMate](https://navidor.com/transfermate/) - [eProcessingNetwork](https://navidor.com/eprocessingnetwork/) --- ## Members - [Équipe technique](https://navidor.com/fr/equipe/equipe-technique/) - [Technical Team](https://navidor.com/members/technical-team/) - [Joya Feghaly](https://navidor.com/members/joya-feghaly/) - [Joya Feghaly](https://navidor.com/fr/equipe/joya-feghaly/) - [Anita Rivera](https://navidor.com/fr/equipe/anita-rivera/) - [Anita Rivera](https://navidor.com/members/anita-rivera/) - [Lily Roman](https://navidor.com/fr/equipe/lily-roman/) - [Lily Roman](https://navidor.com/members/lily-roman/) - [Brandon Dawson](https://navidor.com/fr/equipe/brandon-dawson/) - [Brandon Dawson](https://navidor.com/members/brandon-dawson/) - [Stephan Boushira](https://navidor.com/members/stephan-boushira/) - [Stephan Boushira](https://navidor.com/fr/equipe/stephan-boushira/) - [Yves de Ternay](https://navidor.com/fr/equipe/yves-de-ternay/) - [Yves de Ternay](https://navidor.com/members/yves-de-ternay/) - [Stephany Barbour](https://navidor.com/members/stephany-barbour/) - [Stephany Barbour](https://navidor.com/fr/equipe/stephany-barbour/) - [Sophie Gest](https://navidor.com/fr/equipe/sophie-gest/) - [Sophie Gest](https://navidor.com/members/sophie-gest/) - [Patrick Bruneau](https://navidor.com/fr/equipe/patrick-bruneau/) - [Patrick Bruneau](https://navidor.com/members/patrick-bruneau/) --- ## Glossary - [virtual terminal](https://navidor.com/glossary/virtual-terminal/) - [emv](https://navidor.com/glossary/emv/) - [pci](https://navidor.com/glossary/pci/) - [risk](https://navidor.com/glossary/risk/) - [sales draft](https://navidor.com/glossary/sales-draft/) - [settlement](https://navidor.com/glossary/settlement/) - [secured sockets layer (ssl)](https://navidor.com/glossary/secured-sockets-layer-ssl/) - [setup fees](https://navidor.com/glossary/setup-fees/) - [shopping cart](https://navidor.com/glossary/shopping-cart/) - [sic code](https://navidor.com/glossary/sic-code/) - [statement](https://navidor.com/glossary/statement/) - [statement fee](https://navidor.com/glossary/statement-fee/) - [swipe discount rate](https://navidor.com/glossary/swipe-discount-rate/) - [terminal based](https://navidor.com/glossary/terminal-based/) - [terminal](https://navidor.com/glossary/terminal/) - [terminated merchant file (tmf)](https://navidor.com/glossary/terminated-merchant-file-tmf/) - [terminal software](https://navidor.com/glossary/terminal-software/) - [terminal identification number (tid)](https://navidor.com/glossary/tid-terminal-identification-number/) - [third-party processor](https://navidor.com/glossary/third-party-processor/) - [transaction](https://navidor.com/glossary/transaction/) - [transaction date](https://navidor.com/glossary/transaction-date/) - [transaction fee](https://navidor.com/glossary/transaction-fee/) - [truncation](https://navidor.com/glossary/truncation/) - [voice authorization](https://navidor.com/glossary/voice-authorization/) - [void transaction](https://navidor.com/glossary/void-transaction/) - [void(ed)](https://navidor.com/glossary/voided/) - [wireless](https://navidor.com/glossary/wireless/) - [account number](https://navidor.com/glossary/account-number/) - [acquiring bank/merchant bank](https://navidor.com/glossary/acquiring-bank-merchant-bank/) - [acquiring processor](https://navidor.com/glossary/acquiring-processor/) - [ach automated clearing house file](https://navidor.com/glossary/ach-automated-clearing-house-file/) - [american express](https://navidor.com/glossary/american-express/) - [annual fee](https://navidor.com/glossary/annual-fee/) - [authorization](https://navidor.com/glossary/authorization/) - [authorization center](https://navidor.com/glossary/authorization-center/) - [authorization code](https://navidor.com/glossary/authorization-code/) - [average ticket](https://navidor.com/glossary/average-ticket/) - [avs (address verification service)](https://navidor.com/glossary/avs-address-verification-service/) - [bank account](https://navidor.com/glossary/bank-account/) - [batch/batch close](https://navidor.com/glossary/batch-batch-close/) - [cancellation fee](https://navidor.com/glossary/cancellation-fee/) - [capture](https://navidor.com/glossary/capture/) - [cardholder](https://navidor.com/glossary/cardholder/) - [card issue](https://navidor.com/glossary/card-issue/) - [card verification value (cvv2)](https://navidor.com/glossary/card-verification-value-cvv2/) - [card verification code (cvc2)](https://navidor.com/glossary/card-verification-code-cvc2/) - [chargeback](https://navidor.com/glossary/chargeback/) - [check services](https://navidor.com/glossary/check-services/) - [commercial cards](https://navidor.com/glossary/commercial-cards/) - [credit card processor](https://navidor.com/glossary/credit-card-processor/) - [credit deposit](https://navidor.com/glossary/credit-deposit/) - [debit transaction](https://navidor.com/glossary/debit-transaction/) - [decline](https://navidor.com/glossary/decline/) - [discount rate](https://navidor.com/glossary/discount-rate/) - [doing business name (dba)](https://navidor.com/glossary/doing-business-name-dba/) - [e-commerce](https://navidor.com/glossary/e-commerce/) - [eft (electronic funds transfer)](https://navidor.com/glossary/eft-electronic-funds-transfer/) - [eirf (electronic interchange reimbursement fee)](https://navidor.com/glossary/eirf-electronic-interchange-reimbursement-fee/) - [encryption](https://navidor.com/glossary/encryption/) - [fleet cards](https://navidor.com/glossary/fleet-cards/) - [ftp (file transfer protocol)](https://navidor.com/glossary/ftp-file-transfer-protocol/) - [force transaction / offline transaction](https://navidor.com/glossary/force-transaction-offline-transaction/) - [fraudulent transaction](https://navidor.com/glossary/fraudulent-transaction/) - [funding](https://navidor.com/glossary/funding/) - [gateway](https://navidor.com/glossary/gateway/) - [gross deposit](https://navidor.com/glossary/gross-deposit/) - [hard copy](https://navidor.com/glossary/hard-copy/) - [imprinter](https://navidor.com/glossary/imprinter/) - [interchange](https://navidor.com/glossary/interchange/) - [interchange fee](https://navidor.com/glossary/interchange-fee/) - [internet payment gateway](https://navidor.com/glossary/internet-payment-gateway/) - [independent service organization (iso)](https://navidor.com/glossary/independent-service-organization-iso/) - [ip address (internet protocol address)](https://navidor.com/glossary/ip-address-internet-protocol-address/) - [issuer](https://navidor.com/glossary/issuer/) - [issuing bank](https://navidor.com/glossary/issuing-bank/) - [magnetic information character recognition (micr)](https://navidor.com/glossary/magnetic-information-character-recognition-micr/) - [magnetic stripe](https://navidor.com/glossary/magnetic-stripe/) - [manual close](https://navidor.com/glossary/manual-close/) - [merchant](https://navidor.com/glossary/merchant/) - [merchant account](https://navidor.com/glossary/merchant-account/) - [merchant agreement](https://navidor.com/glossary/merchant-agreement/) - [merchant bank](https://navidor.com/glossary/merchant-bank/) - [merchant identification number (mid)](https://navidor.com/glossary/mid-merchant-identification-number/) - [monthly minimum](https://navidor.com/glossary/monthly-minimum/) - [moto](https://navidor.com/glossary/moto/) - [net settlement](https://navidor.com/glossary/net-settlement/) - [non-bankcard](https://navidor.com/glossary/non-bankcard/) - [non-qualified transaction fees](https://navidor.com/glossary/non-qualified-transaction-fees/) - [pos (point of sale)](https://navidor.com/glossary/pos-point-of-sale/) - [purchasing cards](https://navidor.com/glossary/purchasing-cards/) - [real-time authorization](https://navidor.com/glossary/real-time-authorization/) - [receipt](https://navidor.com/glossary/receipt/) - [reconciliation](https://navidor.com/glossary/reconciliation/) - [reference number](https://navidor.com/glossary/reference-number/) - [refund](https://navidor.com/glossary/refund/) - [representment](https://navidor.com/glossary/representment/) - [retrieval request](https://navidor.com/glossary/retrieval-request/) - [reversal](https://navidor.com/glossary/reversal/) - [real-time](https://navidor.com/glossary/real-time/) ---