TCx™ Pay

TCx Pay supports an omni-channel customer experience by providing global deployment flexibility across payment devices and processors using a patented, multi-layer security process

The rising complexity of payments is a major challenge for retailers today as increased payment security, protecting against malware attacks, EMV chip cards, and new payment options, such as contactless, emerge on a regular basis.  

TCx™ Pay helps address these challenges with a single, end-to-end turn-key solution that takes the point-of-sale terminal out of PCI Scope, allowing merchants to accept EMV chip cards from 20+ major payment processor platforms globally, including 9+ in the U.S., while providing retailers with the ability to choose the solution components that best suit their business requirements, from payment terminals to payment processors. All while providing global deployment flexibility across payment devices and processors using a patented security process with multiple layers of protection.

With the release of TCx Pay V1R2, Toshiba has added even more capability to an already class-leading solution. We started with performance enhancements and added support for additional customer touchpoints like self-service and expanded EMV contactless support on a range of pre-certified devices, along with ACE AIG and AIR enablement, among other solutions.

TCx Pay V1R2, also allows retailers to take advantage of best-in-class security while simplifying their payments infrastructure, reducing supplier complexity and integrating with business applications that not only help merchants accept payment but help them run their organization, all while enhancing the customer experience without the continual drain on costs and resources for the business.

View TCx™ Pay Data Sheet

Feature

Benefits

Encryption

The proprietary application’s Card Data Entry (CDE) process includes encryption at the time of insert or swipe, secure transport of the card payment data to the payment switch, and tokenization of the payment receipt. Point-to-Point encryption (P2PE) is provided as part of the solution at no additional cost, delivering security throughout the process. In addition, the solution is PA—DSS 3.0 and PCI—DSS 3.0 certified.

Tokenization

TCx Pay provides a single token across all retailer channels that can be used to more effectively track transactions and securely mine CRM data for more actionable insights.

Payment Processor

Integration with major processors in 20 countries, including the US, Canada and Mexico, gives retailers the flexibility to select one or more processors. Additionally, retailers can make processor changes without EMV recertification issues or changes to their store systems or POS registers.

Pin Pads

  • TCx Pay is interoperable with a broad selection of Ingenico and Verifone terminals allowing for complete flexibility to upgrade to the latest device or introduce mobile checkout and Bring Your Own Device (mobile wallets) 
  • TCx Pay V1R2 additionally provides:
    • Expanded EMV contactless support for Ingenico iSC250 and Ingenico iSC480 devices
    • Online WIC support enabled on Verifone and Ingenico devices
    • Smart Card WIC support on Verifone devices
    • Moneris Solutions Certification (in process)

Speedy Payment Innovation

TCx Pay manages all changes in payment compliance processes including EMV plus enables acceptance of payment products such as Apple Pay, PayPal, Samsung Pay, NFC, AliPay and other future payment products, as well as enabling the quick adoption and integration of new payment types without having to go through a recertification process. TCx Pay is already Quick Chip enabled for frictionless checkout experiences.

Architecture Enhancements TCx Pay and ACE/EPS Co-Existence – Retailers now have the ability to utilize both EPS and/or TCx Pay for cashless transactions, allowing retailers the flexibility to enable a mixed environment, and helps smooth the transition from a fully integrated to semi-integrated payments infrastructure
Touchpoints and Retailer Types
  • CHEC Enablement – Allows retailers to consolidate their payments infrastructure across devices, leveraging all the features and capabilities of TCx Pay, now for their self-service lanes
  • AIG & AIR Enablement - Independent retailers and grocers can now take advantage of TCx Pay
Performance Improvements
  • Improved dip speed and EMV Quick Chip - help retailers dramatically improve the customer experience and optimize payment during checkout
  • Automated Application Installer - Simplifies Credit Card Terminal provisioning and setup in existing hardware environments, protecting retailer's investments and helping to streamline the provisioning process with much lower service costs
  • Scrolling Receipt - Enables retailers to show a running record of purchases on the Credit Card Terminal, allowing customers to verify items scanned and receive real-time feedback -- like discounts or coupons -- as items in their cart are being scanned.

Point of Interaction

Improve the overall shopping experience by enabling retailers to deliver marketing programs to customers through the pin pad, including targeted marketing messages, customer surveys, instant rewards, and membership opportunities.

Powerful Business Insights

TCx Pay is designed to make the back office procedures easy and keep areas like accounting reconciliation, analysis, and device monitoring in compliance with PCI requirements. To ensure easy manageability and access to powerful insights, an enterprise reporting portal is included. Retailers also control their own data, which is stored in co-located data centers

Easy Omni-channel Integration

TCx Pay can easily integrate with various retailer payment points. From traditional to cloud-based POS solutions, the flexible SDK can be integrated in a few weeks. For highly customized solutions, integration can be accomplished in weeks instead of months, and with minimal to no changes to the existing POS software. TCx Pay also offers SDKs for e-commerce, in store mobile tablets and customer mobile wallets allowing retailers to deliver a seamless shopping experience.

Return on Investment

TCx Pay can easily integrate with various retailer payment points. From traditional to cloud-based POS solutions, the flexible SDK can be integrated in a few weeks. For highly customized solutions, integration can be accomplished in weeks instead of months, and with minimal to no changes to the existing POS software. TCx Pay also offers SDKs for e-commerce, in store mobile tablets and customer mobile wallets allowing retailers to deliver a seamless shopping experience.