Atlantic Union Bank API

‍Integrating Atlantic Union Bank Merchant Account with Rx Sell ProPay: Boosting Payment Solutions for Online Pharmacy Merchants

Welcome to another installment of our Integrations Series, where we’re unpacking how Rx Sell ProPay’s advanced payment tools can team up with an Atlantic Union Bank Merchant Account to support online pharmacies, especially those handling restrictive category peptides. This piece dives into the essentials of the Atlantic Union Bank Merchant Account, its fit within the bank’s business banking offerings, and how this integration can streamline payment processes for high-risk merchants across the U.S. Learn how it can raise credit card approval rates, trim processing costs, and enhance your pharmacy’s payment system.

Atlantic Union Bank Merchant Account: Origins and Context

Atlantic Union Bank, a Virginia-based regional bank with roots dating back to 1902, provides Merchant Services through a partnership with Heartland Payment Systems, a Global Payments company known for secure and scalable payment solutions. The Atlantic Union Bank Merchant Account enables businesses to process credit and debit cards, digital wallets (e.g., Apple Pay, Google Pay), gift cards, and chip-card transactions using tools like Heartland’s POS systems, virtual terminals, and mobile payment options. Built with PCI DSS compliance and Heartland Secure™ technology—combining EMV, tokenization, and encryption—it offers robust security backed by a Breach Warranty. Integrated with Atlantic Union Bank’s business banking suite, including checking accounts and online banking, it ensures next-day funding (for eligible merchants) and local support. For high-risk online pharmacies, this account provides a solid platform that Rx Sell ProPay’s specialized features can amplify.

Enhancing Payment Journeys for High-Risk Online Pharmacy Merchants

Online pharmacies, particularly those selling peptides, operate in a high-risk space with challenges like high fees, transaction declines due to strict regulations, and limited acquiring partners. Pairing an Atlantic Union Bank Merchant Account with Rx Sell ProPay’s tools turns these hurdles into advantages.

Boosting Credit Card Transaction Approval Rates

The Atlantic Union Bank Merchant Account supports card-not-present transactions with Heartland’s secure processing, including EMV and digital wallet capabilities. When combined with Rx Sell ProPay, it leverages:

• Intelligent Acceptance: Uses AI to analyze transaction data and route payments through optimal acquirers, cutting declines common in high-risk peptide sales.
• Network Tokens: Encrypts card data into tokens, boosting security and issuer trust for higher approval rates.
• Acquiring: Rx Sell ProPay’s local acquiring, paired with Atlantic Union Bank’s Mid-Atlantic and Southeast network via Heartland, ensures smooth U.S.-wide payment flows.

These enhancements align with Heartland’s support for all major payment methods, driving higher credit card acceptance nationwide.

Reducing Processing Fees

High-risk merchants often face steep fees, but the Atlantic Union Bank Merchant Account offers competitive rates and a $250 or $500 statement credit for new accounts activated by February 15, 2025 (with an Atlantic Union Bank business checking account). Rx Sell ProPay adds:

• Unified Payments API: Connects to the merchant account, streamlining operations and eliminating redundant fees.
• Flow: Offers customizable checkout blocks to reduce cart abandonment, lowering per-transaction costs by increasing sales.
• Hosted Payment Page: Rx Sell ProPay hosts a PCI-compliant page linked to Atlantic Union Bank’s account, cutting gateway fees and compliance costs.

Next-day funding (for eligible merchants) via Heartland enhances cash flow alongside these savings.

A Seamless Customer Experience

Integrating Rx Sell ProPay’s Mobile SDK or Hosted Payment Page with the Atlantic Union Bank Merchant Account delivers secure, branded checkouts on websites or apps, building trust in a high-risk niche. Payment Links enable payments via email, SMS, or social channels, syncing with Heartland’s mobile payment options. This flexibility caters to U.S. customers, while Zelle® integration through Atlantic Union Bank’s online banking adds peer-to-peer payment convenience.

Optimizing Payment Operations for High-Risk Pharmacy Merchants

Online pharmacies in the peptide space deal with high decline rates, costly fees, and strict compliance requirements. Combining an Atlantic Union Bank Merchant Account with Rx Sell ProPay’s tools addresses these with technical accuracy and efficiency.

Increasing Transaction Approval Rates

The Atlantic Union Bank Merchant Account processes transactions with Heartland Secure™ technologies like tokenization and encryption. Rx Sell ProPay enhances this with:

• Unified Payments API: A REST-based API connects to Heartland’s systems, enabling real-time processing with minimal setup.
• Intelligent Acceptance: Routes payments dynamically, reducing declines in high-risk sales.
• Network Tokens: Encrypts card data, boosting approval odds by enhancing issuer trust.

These, paired with Atlantic Union Bank’s acquiring via Heartland (registered with Wells Fargo and The Bancorp), ensure reliable U.S.-wide transaction success.

Lowering Costs and Streamlining Processes

This integration reduces costs effectively:

• Flow: Embeddable checkout components reduce abandonment, driving completions and lowering per-transaction costs.
• Hosted Payment Page: A PCI-compliant page tied to the merchant account cuts gateway fees and compliance burdens, deployable via iframe or redirect.
• Payment Methods: Supports cards, wallets, transfers, and vouchers, offering affordable alternatives to high-fee card channels, complementing Heartland’s broad acceptance.

Atlantic Union Bank’s 24/7 Heartland support and local relationship managers enhance these savings with responsive service.

Managing Risk and Compliance

Fraud and regulations challenge peptide sellers. Rx Sell ProPay strengthens Atlantic Union Bank’s security with:

• Fraud Detection: Real-time analytics block fraud, enhancing Heartland’s protections.
• Authentication: Implements 3D Secure to meet compliance without slowing checkouts, aligning with Heartland Secure™.
• Vault: Stores payment data securely, supporting tokenized transactions and KYC with Atlantic Union Bank’s systems.

These reduce chargebacks and ensure PCI DSS compliance, leveraging Heartland’s Breach Warranty.

Offering Flexible Payment Options

This integration provides:

• Mobile SDK: iOS and Android kits integrate with the merchant account for native mobile checkouts, syncing with Heartland’s mobile solutions.
• Payments Links: Secure URLs expand payment channels, complementing Atlantic Union Bank’s online banking.
• Payouts: Moves funds to bank accounts or crypto wallets via Rx Sell ProPay’s payout API, adding flexibility alongside next-day funding.

These align with Atlantic Union Bank’s customer-focused approach, ensuring accessibility.

How to Start the Integration Process

To integrate an Atlantic Union Bank Merchant Account with Rx Sell ProPay, follow these steps:

1. Request a Demo: Visit the Rx Sell ProPay website and complete the “Talk to Us” Demo Request Form—a quick 5-field process. In the custom messaging field, note your interest in integrating an Atlantic Union Bank Merchant Account. This initiates a consultation with our technical team.
2. API Setup: After approval, test the Unified Payments API in Rx Sell ProPay’s sandbox using OAuth 2.0 authentication (details in the developer portal, e.g., /v1/payments endpoint). Contact Atlantic Union Bank at 800-990-4828 for Heartland merchant account setup details.
3. Build and Test: Configure flows with Rx Sell ProPay’s SDKs (e.g., Flow, Hosted Payment Page) and test with Heartland’s network in staging.
4. Go Live: Deploy to production, using the Dashboard for monitoring and Treasury & FX for financial oversight. Atlantic Union Bank’s support via Heartland assists as needed.

Our team will ensure a tailored setup for your pharmacy.

Conclusion

Integrating an Atlantic Union Bank Merchant Account with Rx Sell ProPay delivers a robust payment solution for online pharmacy merchants. With Intelligent Acceptance to boost approvals, Flow and Hosted Payment Page to cut costs, and Fraud Detection to ensure compliance, this setup meets high-risk demands. Developers get strong APIs and SDKs, while operations benefit from a scalable system backed by Atlantic Union Bank’s Heartland partnership and regional expertise. Submit your demo request today to build a payment infrastructure that powers your pharmacy’s success.

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