At NACCA, we are true industry solutions providers, servicing businesses from healthcare to B2B companies
and from the retail sector to ecommerce.


Business to Business

Auto and Transportation


Healthcare & Hospitals

Charity & Not for Profit


Retail Stores


Convenience Stores


Fuel & Service Stations

Airline & Travel

Retail Services


Financial Services

Business Software


Office Supplies

Building Materials

Waste Collections


B2B & B2G – Level 3

Business-to-Business merchants can reduce Interchange by Up to 1.75% by adding enhanced data known as Level II and Level III to eligible transactions.  NACCA’s value added solutions will help reduce interchange pass-through fees on Business-to-Business and Business-to-Government (B2G) transactions.  Level II data may include Customer Code and Tax Amount.  Level III data is additional information about a transaction that is commonly found on an invoice.  Visa and MasterCard generally charge a lower interchange rate for B2B and B2G transactions when Level III enhanced data is included with eligible transactions.  Cards that benefit from enhanced data include Business, Corporate, Purchasing and Fleet cards.  NACCA’s Level III solutions may significantly reduce the interchange fees you incur.

Convenience Fee – Education & Government

Our Intelligent Rate solution means tuition, property taxes, municipal fines, court costs, fees for government services are paid 100% to the merchant. A separate convenience fee is paid by the card holder to NACCA. Our solution uses real-time card type analysis to adjust the amount of the convenience fee in proportion to what each transaction will actually cost. Consumers with low-cost cards, such as debit cards and no-frills credit cards, absorb a lower fee. Intelligent Rate gives the consumer real-time information about savings, enabling her to reduce her service fee by choosing a lower-cost form of payment. The conventional flat-rate convenience fee model is not always food for the consumer. With our intelligent rate solution, the customer pays a convenience fee in proportion to cost.

Healthcare – EMR

Healthcare organizations put a great deal of effort into evaluating and selecting EMR (Electronic Medical Record) Systems.  Some of the goals when selecting an EMR System include improving the quality of healthcare, patient safety, patient satisfaction and cost effectiveness.  Many EMR Systems support credit card processing within the EMR System.

NACCA consults with our clients to determine credit card processing integration options for EMR Systems.  Often there are several Payment Gateway intergration options for each EMR System.  NACCA will explore with our healthcare organizations the features available alongside each of the options available.  The available integration options may present differences when it comes to EMV (Europay, MasterCard, Visa) Chip Card Processing, Tokenization, Encrypted Processing (E2EE, P2PE) and Hosted Checkout/Payment Pages (I-Frame, Transparent Redirect).   Selecting the best Payment Gateway and Processor for your EMR may reduce the scope of PCI-DSS (Payment Card Industry Data Security Standard Compliance), save time, money, and enhance/protect your patients and the trust they place in your to protect their payment information.

Retail Service Stations

In addition to selling gasoline and lubricating oils, many Retail Service Stations engage in selling other merchandise, such as tires, batteries, other automotive parts and repairs.  Often, the account configuration of these Retail Service Stations are not properly designed to achieve the most advantageous Interchange Rates from the card associations.

NACCA offers a complementary review and may make recommendations on how to optimize Interchange rates to benefit Retail Service Stations.

Pharmacy – SIGIS IIAS

The IRS requires pharmacy retailers to register with SIGIS under the TPS (VAR) / IIAS Program or the 90% Rule Program.  A Third-Party Servicer (TPS) provides inventory management, cash register/POS transaction processing and payment card processing.

The IIAS system allows pharmacy merchants to perform auto substantiation which provides a cost effective way of validating purchases of over-the-counter (OTC) qualified healthcare products made with FSA/HRA debit cards.

This process was created to assist benefit administrators (employers and/or third party) in tracking healthcare expenses for their consumers electronically using a bar code system, IIAS, rather than using paper documentation.

Merchants registering for the 90% Rule Program may accept FSA/HRA transactions without utilizing an IIAS system.  Merchants currently using a stand-alone POS device or system that does not support IIAS would fall under this registration.

SIGIS, The Special Interest Group for IIAS Standards was formed to create a standard industry solution to enable merchants to provide consistent information for IRS requirements pertaining to the acceptance of healthcare cards.

Examples of TPS Vendors that NACCA supports include:  En-Concert Store, Datacap Systems NetePay, Verifone’s Payware Connect, Main Street Softworks Monetra, Tempus Technologies PaymentMate, T-Gate Gateway, TrustCommerce Payment Gateway and more.

Accounts Receivable – e-Invoicing

Getting paid can be difficult work.  A receivable tracking and payment system can improve your bottom line.  Manage customers, automate billing with e-invoicing, simplify recurring payments, and accept electronic payments including eChecks, ACH, direct debit, and credit cards.

NACCA offers accounts receivable invoicing solutions that make tracking and collecting your receivables simple.

Our receivable solutions include:

  • Virtual Terminal
  • Credit Card Processing & eCheck Acceptance
  • Mobile Phone & Tablet Payments
  • Online Payments
  • Recurring Payments
  • Automated Reminders and Receipts
  • Electronic Invoices