FAQ

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Anti-Fraud

  • Fraud Monitoring Process
    Chargeback fees occur when a customer disputes a charge on their credit card statement. Excessive chargebacks may result in additional fees, penalties, or fines. The card networks may also place additional controls or restrictions as part of their own monitoring programs for merchants with excessive chargebacks. SALT has developed policies and procedures to work with the merchant to monitor and manage fraud and reduce chargebacks. SALT has developed its own comprehensive Know Your Customer process and risk monitoring program to ensure compliance with the laws, regulations, card networks and bank affiliate’s policies and procedures. Upon onboarding with us, we can share our compliance, fraud and risk monitoring best practices to help you in your fraud and chargeback management process. Contact us for details.

General

  • Who is Salt Technology?
    SALT Technology, Inc. is based in San Francisco, California with an office in Tampa, Florida.  SALT is redefining the way we think of Mobile Commerce through our integrated approach.  We have a full suite of integrated online and mobile payment solutions that include fraud detection, One Touch checkout, tokenization, and merchant focused management consoles.  All of which are accessible through developer friendly APIs as well as plug and play technology. A little SALT goes a long way!
  • What is OneTouch?
    OneTouch is a patented, mobile payment checkout experience, first launched commercially in 2010.  OneTouch provides merchants a way to increase sales conversions when accepting credit or debit cards for payment.  For consumers, the OneTouch experience is the simplest way to transact on their mobile today.
  • Who uses SALT?
    Merchants who care about mobile are coming to SALT, from smaller first time e-commerce and mobile commerce merchants who want fast, easy and cost effective solutions to large enterprise level merchants who want more anti-fraud detection tools and mobile innovation to drive transactions on iPhone, Android, Windows and Blackberry devices.  SALT works today with media companies, Mobile Operators, online retailers, charities, platform companies, and pari-mutuels.   Our customers are global.
  • What cards are supported with SALT?
    SALT has a global footprint for card acceptance with many countries supported and 120+ currencies being processed today. SALT helps processes the following card types:
    • MasterCard
    • VISA
    • AMEX
    • Discover
    • INTERAC Online (Canada only)
    • China Union Pay
    • JCB
  • How long does it take to receive my money?
    In most circumstances, merchants can expect payout within 1 business day after the transaction is settled. However, this is controlled and managed by your acquiring/merchant bank.
  • Does SALT use tools to combat fraud?
    SALT uses sophisticated, anti fraud tools, which can help protect you from fraudsters targeting your merchant site. SALT is able to filter based on 100,000+ transaction rule combinations, among some of them:
    • Address Verification
    • CVV/CVV2 validation
    • Digital finger printing on devices
    • Bank card number range
    • IP address
    • Card number velocity
    • Proxy addressing
    • Geolocation/country
    To find out more about our anti-fraud tools, fraud training, on-going fraud management services, please contact us.

Integration

  • How does Silent Redirect work?
    silent-redirect
    1. When a customer clicks payment when they are checking out. A payment form is presented for standard card information. Upon filling in the form and making payment, customer and card information is encrypted and sent directly to SALT.
    2. Payment information is stored and tokenized for the merchant, for future reference.
    3. The token is passed through to the merchant, which references encrypted transaction information. Through the SALT web based reporting tool, the merchant can now reference this tokenized payment session.
    4. The approved transaction response is passed through to the customer validating the purchase.
  • Can I integrate SALT?
    SALT has helped several merchants integrate, however it is dependent on your current merchant agreement.  For more detail, please contact SALT or visit our Github
  • How long does it take to integrate?
    Depending on the experience of the developer and project size, integration times for basic, test processing are from 2 - 4 hours.
  • What programming languages does SALT support?
    On the client side, we have a Javascript library for mobile and desktop web, plus mobile SDKs for iOS, Android, and Windows Phone. On the server side, we have libraries in seven languages: Ruby, PHP, Java, and Microsoft .Net.

International

  • Where is SALT available?
    SALT is available for merchants in the United States and Canada.  As a SALT merchant customer you have to operate in either of these countries, in addition to having a bank account in that country. SALT has a global footprint for card acceptance with many countries and over 120 currencies processing in today.  SALT is able to settle in 22 different currencies. If you have specific questions around processing or settling in different currencies, please contact us.

PCI Compliance

  • What is your obligation for PCI Compliance?
    You are fully responsible for securing your data in accordance with Payment Card Industry Data Security Standards (PCI-DSS) and the Payment Application Data Security Standards (PA-DSS), as applicable. Your compliance requirement while using SALT will vary based on your implementation process. You must not store CVV2 data at any time. Information on the PCI DSS can be found on the PCI Council’s website. It is your responsibility to comply with these standards. Working with SALT’s uniquely architected platform will help you reduce the work around ensuring PCI compliance. See below.
  • How does SALT help me with PCI compliance?
    By integrating the SALT API’s, all credit/debit card information is tokenized in the SALT secure storage environment.  During a transaction that information is securely passed to SALT without ever touching your merchant site or application.  This is the SALT feature called ‘Silent Redirect’ and ‘Tokenization’.

Pricing

  • Is there a different pricing scale for Enterprise clients?
    SALT supports emerging businesses all the way to large scale e-commerce.  To discuss this in more detail please contact us.

Subscriptions

  • Does SALT support subscription or recurring billing?
    Yes, SALT provides flexible recurring and billing models.

Support