New Line of POS Systems Now Available

Merchants looking for a next generation, point of sale system that is completely scalable to their business can now obtain one through Mountain Media’s Web Payment Software.  The Vital POS product suite, now available through Web Payment Software, is comprised of three product categories designed to fit every size business and every point of sale scenario.  All the products use the same cloud-based back office software, enabling a single access point across all devices.  Here is a quick look at the Vital products:

Vital Mobile

These card readers are great for small-medium businesses seeking an inexpensive, easy way to accept payments using their personal mobile phones or tablets.  The readers are both Android and IOS compatible, have multi-user access, come with tip functionality, built-in tax rates, email/print receipt options and accept both mag-stripe and EMV cards.  The newer, C4 reader also accepts NFC/contactless payments.  Vital Mobile is ideal for lower sales volume, on-the-go businesses who may not otherwise be able to afford POS hardware.  Food trucks, craft/event/farmers market vendors, HVAC, plumbing, towing and landscaping services can all benefit from this affordable, mobile POS payment solution.


Vital Plus

This reader is better suited for busier merchants seeking an alternative to expensive countertop electronic cash registers.  The Vital Plus X5 offers more advanced payment and management capabilities such as split payments, inventory alerts, server/table assignment and kitchen printing.  The handheld device features a 5″ HD color touchscreen with customizable screen layouts, a built-in camera for scanning, a charging base and training tutorials.  The Vital Plus POS is ideal for small-medium specialty retailers, coffee shops, delis and event registration booths.

Vital Select

This is the most feature-rich POS solution, offering three register sizes to fit various businesses needs and budget.  Additional features and benefits of the Select systems include Ethernet/WiFi connectivity, a cash drawer, customer-facing HD color display, employee time clock, and white-glove 24/7 support by Vital Experts.  Vital Select systems are ideal for business seeking a full-featured, standalone POS solution.  Retailers, restaurants, convenience stores and higher-volume vendors should consider a Vital Select system.

No matter which product you choose, your business (large or small) will have access to the intuitive, cloud-based back office with 24/7 setup and ongoing technical support.

Vital Back Office


To learn more about the Vital POS systems and Web Payment Software.





Why Pay More Than You Have To?

Web Payment Software has been providing affordable merchant service to clients since 2001. We offer merchants an alternative to companies like PayPal and at lower costs. By offering a “cost-plus” pricing model we are able to save merchants significant money on transaction fees. Additionally our gateway fees are about 40% lower.

We are now offering a great incentive to win your business from now through May 31st.

Take Advantage of This Special Offer:

  • $100 Signing Bonus On Merchant Account
  • Free Web Payment Software Set Up
  • Free Payment Page Set Up

Click here learn more about this offer.

What are our clients saying?

Trinity Fitness has used our payment page functionality extensively to accept payment for various classes and programs they offer. The WPS’s Payment Pages feature allowed them to create attractive, branded pages for collecting payment and data from their mostly B-C customer base. Our cost plus pricing  worked to their advantage and deliver an impressively low overall cost.


Franklin Community Center has been that has been providing basic necessities and services to less fortunate individuals and families in our area for 30 years. They rely on the virtual terminal, recurring payment and payment page functions to help collect donations.

Click here if you wish to learn more about how cost plus price can save you money.


An interview from the archives of Mountain Media, parent company of Web Payment Software.

Dani: “Hi everyone I’m Dani Stein and we’re here today with Taunia Kipp from Mountain Media who is a Level 2 PCI-Compliant service provider. Now if you don’t know what PCI Compliance is, don’t worry neither do I yet, that’s why Taunia is here. She’s going to be clearing up a little bit about PCI compliance for us. So, Taunia obviously a lot of confusion surrounding what PCI compliance is. Can you explain it for us?”

Taunia: “Well, PCI stands for the Payment Card Industry. So, when we talk about PCI compliance we’re talking about the Payment Card Industry’s data security standards, also known as the PCI DSS. And I’ll apologize in advance: there are a lot of acronyms in this space, so I’ll try to explain them as best as I can. The PCI DSS or the data security standards are a set of requirements that were designed in order to ensure that organizations who handle – organizations or merchants – who handle credit card data, maintain a secure environment. And of course, that’s to protect consumers from credit card fraud, hacks and breaches.”

Dani: “So we know who it benefits: the consumers. Now to whom does PCI compliance apply?”

Taunia: “Okay well, PCI compliance applies to any merchant or organization who accept, transmit or store credit card data. So, it doesn’t matter the volume of transactions that they perform on a regular basis nor which method they utilize for accepting a credit card whether it’s in a physical store location or online for example or telephone. PCI applies to all.”

Dani: “Now Mountain Media is an ecommerce provider for online merchants. So now if I’m an online merchant and I have my SSL certificate for my website does that necessarily mean that I am PCI compliant?”

Taunia: “It does not, and there’s a lot of confusion there. While an online merchant of course wants to have an SSL certificate for their website which is a secure socket layer, does not, that is not going to prevent your web servers from malicious attacks. And there are a whole lot of other requirements that go in to becoming PCI compliant versus just having an SSL on your website.”

Dani: “So I am this online merchant. I have a third-party service provider like Mountain Media, who is PCI-compliant, why then do I have to be PCI-compliant?”

Taunia: “Well, merely using a third-party provider who is, or a third-party company of any type that is compliant does not exclude the merchant from being PCI compliant as well. Mountain Media, you know, working with a company like us who is a Level 2 service provider is obviously going to reduce your risk and exposure and also ultimately make it much easier to validate your compliance as a merchant working with a company like ours. There are requirements that you as a merchant have to abide by as well to become, to be PCI-compliant.”

Dani: “So there are actually different standards with PCI compliance. Who enforces these standards?”

Taunia: “Okay, well the Payment Card Industry data security standards are maintained and administered by the Payment Card Industry’s Security Standards Council. Or the PCI, let’s see, SSC – there’s another acronym for you – the Security Standards Council was created by the five major credit card brands which are Visa, Mastercard, American Express, JCB and Discover. That independent organization has a website where you can get a lot of this information and they can help you through the process. And that is the”

Dani: “Now there are different levels of PCI compliance along with those standards. Explain a little bit about those levels and who they apply to.”

Taunia: “Okay, well all merchants are going to fall in to one of four different levels and they have to do with the aggregate number of visa transactions that you transmit or accept annually. A Level 1 merchant for example is a merchant who is processing more than six million visa transactions annually. Obviously, these are some very large organizations. In Level 1 that’s regardless of the acceptance channel. So, in other words that can be online on their website, a face-to-face credit card transaction such as a brick-and-mortar store, over the phone, by mail, et-cetera. Level 2 similarly to Level 1 applies to no matter what the acceptance channel and that is for one million to six million credit card transactions annually. And then we get in to Level 3 and Level 4 merchants which are primarily the size of merchant that a company like Mountain Media would deal with, and has to do with e-commerce. A Level 3 merchant processes between twenty thousand and one million visa transactions annually and those can be of the e-commerce nature. And a Level 4, which is probably the most popular in the US as this is your small to mid-size merchant, processes fewer than twenty thousand credit card transactions annually. When it comes to those levels – 1 through 4 – it’s important to mention that the validation of compliance process is different. So, Level 1 and a Level 2 merchant are required to have an onsite audit and there needs to be submission of a Report of Compliance which is also known as a ROC – an R, O, C. So, they have to submit a ROC and actually have an independent auditor come out and audit their site. Similarly, to what a company like Mountain Media has to have as a service level provider who is trying to become compliant. And then Level 3 and Level 4 merchants are able to complete what’s called an SAQ or a Self-Assessment Questionnaire. A Self-Assessment Questionnaire means that you are performing your compliance in-house and that you are also attesting to the fact that you are within compliance in house. And that’s called the SAQ, or Self-Assessment Questionnaire and hopefully we can talk about that a little more in-depth in the future.”

Dani: “Okay, so Taunia Kipp of Mountain Media here today explaining a little bit more about PCI Compliance. Taunia, it sounds like there’s still a lot left to explain about the different levels of compliance so we’d be happy to have you back for another video segment very soon.”

Taunia: “Great. I’d love to.”

How To Reconcile a Merchant Account Statement

Merchant Accout ReconciliationSo, you’re accepting online payments now and sales are rocketing. But, are you actually receiving all that cash? Are any of these payments being disputed? Are the fees charged by your credit card processor accurate and appropriate? Finally, are any of these payments suspicious or fraudulent?

If you answered, “Hmm, I’m not sure” to any of these questions, then you need to start reconciling your monthly merchant account statements. Spending fifteen to thirty minutes a month performing this crucial activity will not only give you peace of mind, it could save you a great deal of money.

Below I’ve outlined the basics of reconciling the merchant account statement and included a link to a pretty cool, color-coded template for you to use as a tool in the process. Give it a read, and in no time at all you’ll be confidently tallying up those credit card sales figures knowing that the money’s in the bank.

The Basics of Merchant Account Reconciliation

Know your “End Game”
In other words, what are you trying to accomplish by performing this monthly task?
Very simply, you want to see agreement between the payments coming through your payment page and the amounts reported to you by your credit card processor(s) and on your bank statement.

The Process

STEP 1: Gather the necessary documents.

  • Daily Web Payment Software™ reports (settlements, reversals, credits)
  • Sales journal/ledgers
  • Merchant Account statement
  • Bank statement
  • Merchant Bank Agreement

Some tips about documentation: 1. In Web Payment Software you can print or download transaction reports for any time period by transaction type and by payment page. You can download in spreadsheet format so it can be imported directly in to the reconciliation template.

2. Most merchant account and bank statements can also be downloaded in spreadsheet format.

STEP 2: Compare monthly totals per the Web Payment Software reports to the amounts recorded in your sales records. Do they agree? Were any amounts missed or recorded twice? Were credits and reversals properly reflected in the sales accounts? Make note of any payments settled on the last few days of the month as these amounts may create a “timing difference” in the reconciliation process. A timing difference is a temporary difference between amounts per one source of information (i.e. sales journal) and another (a bank statement). For example, say you sell a widget on Tuesday and your customer pays you by credit card. You immediately record the sale in your accounting system. However, the money doesn’t actually reach your bank account until Friday. Now, if Tuesday was the last day of the month, your sales amount for the month would not equal your cash receipts for that same month. That Tuesday sale would be a reconciling item termed a timing difference.

STEP 3: Carefully review the merchant account statement to confirm that all credit card transactions have been included and are accurate. Also review the fees charged. Are they in accordance with your agreement? Are there any fees you do not recognize?

Tip: Two fees that can easily be eliminated are “statement” and “PCI non-compliant” fees. Some merchant banks (American Express being one) charge to print and mail you a monthly paper statement. You can sign up for online only statements and save yourself up to $10 a month. Most, if not all, merchant banks will add a monthly fee if your website does not maintain it’s PCI (Payment Card Industry) compliant status. When you use Web Payment Software, the great guys at Mountain Media can assist with your PCI DSS certification.

STEP 4: Using the Reconciliation Template from this article (or one you’ve created yourself) complete all the gray-shaded cells with data from the documents gathered in STEP 1. As noted in the tips above, the daily credit card activity section can either be imported or cut-and-pasted from the Web Payment Softwarespreadsheet download.

STEP 5: Review the RECORDS COMPARISON SECTION of the template, complete the DIFFERENCES ANALYSIS SECTION, and investigate any non timing-issue differences.

STEP 6: Relax and bask in the knowledge that your money IS in the bank (or on it’s way).


Web Payment Software offers some of the best online merchant accounts rates in the industry. Please contact us for a free quote.