Stumbled on a CGIDEV2 (Easy400) forum post that was lauding the benefits of JetPayi5, purportedly "free" credit card software for the IBM AS/400, iSeries, and System i, that I have watched for may years.

Responded to a commercial (and a little inaccurate) post by someone about JetPay, and respectfully addressed the issues and contrasted it to our commercial software. 

Was just informed that our post has caused our removal from the Group since we addressed a product that was a sponsor of the admin's site.  Quote: "You cannot comment on the Easy400Group about a software owned by the site sponsor."  So, read it here!

IMPORTANT NOTE: The web interface and other products on the web site are absolutely excellent.  CGIDEV2 is legendary in performance, and the rest of the offered software is really great stuff.  We have the highest respect for the products and efforts of the managing technician, as he has been a true gift to our platform.

... We are a vendor of native software for the AS/400 System i. The paragraph on JetPay is mostly accurate, except for one statement.

"The software is given free because it is being paid for by principal members of the major card companies."

The card companies do not ever "pay" anything to anyone. The only one who EVER pays for ANYTHING is the merchant. As a merchant, you pay for everything that you get in the rate that you pay. 100% of anything an ISO (Independent Sales Organization) or acquirer (the one you contract with for the processing service, like Jetpay) provides you is paid for in the fees you pay for processing. Nothing is free, and the card organizations are NOT benevolent.

With JetPay you do keep your bank into which the collected card moeny is deposited, but ALL processing networks will deposit the proceeds in the bank of your choice. That is called the "merchant depository bank" and any bank can be designated by any network to receive the funds.

Our software and services, funded directly by the merchant, supports major auth networks. The primary benefit is that you, the merchant, can SELECT the ISO or acquirer who provides the best rates and support.

If you accept a "free" software, you become a CAPTIVE AUDIENCE for that acquirer. Whatever they want to charge you will have to be acceptable, since you have such an investment in the integration and learning curve. Once the original contract expires in a year or two, you would be in a poor position to easily switch acquirers.

Since our software supports major networks, and hence, the vast majority of ISO/acquirers in the US, you integrate once and can use ANY network you choose. We even will allow you to change networks once a year for free, and we do the complete configuration and testing, then deliver it.

And what about cards on file? If you keep cards for returning customers, for credits, and for recurring billing, what do you do if you left JetPay and wanted to take them with you? With our software, YOU own your own data, and can use it with any network.

If JetPay is the best acquirer and really has the best rates, there are networks that they support that our software ALSO supports. So if JetPay is the best acquirer, or TSYS, Chase, Bank of America, First Data, or your local bank, our multiple certifications can support any of them. In fact, our software can support multiple simultaneous networks so you have the flexibility to use multiple acquirers to support multiple business divisions.

Our entire organization is dedicated to developing and supporting mission-critical software. SO, unlike JetPay, who does, we work hard to insure that you pay the LOWEST rates possible, since YOU are our client. We insure that you populate the transactions properly and process them with the ideal transaction types in the most timely manner. JetPay has no incentive to help you with that, as they get paid for every downgrade that a merchant has.

While the JetPay software does have the API to talk to them, according to their documentation, it does NOT have the administrative functionality of our software, so there is much additional work for you to do to track the activity and handle the settlement reconciliation. Our software provides exactly what you need for easily reconciling your settlements against your bank deposits.

And so far as speed and capacity, JetPay cannot provide faster or more capacious transaction speed than the major US authorization networks. They can match it. The networks we support are responsible for the vast majority of traffic in the US, and are used by the largest merchants. Response on an auth is typically under 2 seconds, regardless of volume. For instance, one of our favorite networks, with whom we are a "Gold" Partner, is TSYS. 

Given the relatively low cost of our software, and the affordable and unlimited Annual Support, you will save more on your processing than you invest. As the pre-eminent vendor of software in this space, we can assure you that we have quite a convincing story and literally HUNDREDS of glowing testimonials.

Lots more to talk about, but I think you see that a thorough investigation of available software is well worth the time. "Free" is generally worth exactly what you pay for it...

And, by the way, Curbstone's licensed software is PCI PA-DSS validated, specifically. JetPay's is not, though it is generated by a company who is a PCI "Service Provider Level 1", and falls under that umbrella of being PCI-compliant. And, you may have guessed where this is going... Curbstone is ALSO a PCI "Service Provider Level 1", so we have exactly the same security certifications as JetPay, and even PayPal or any of the authorization networks. That is on top of our explicit Payment Application audits that we VOLUNTARILY choose to perform... In addition, all of our Customer-facing people are PCI QIR certifed to implement in a compliant manner.  Our "PCI Implementation Guide" is excellent in the implementation of the software, and the unlimited implementation support (included in the license fee) to be superb.