Bank of Hawaii / FIS config

Integrating Bank of Hawaii Merchant Account with Rx Sell ProPay: Optimizing Payment Solutions for Online Pharmacy Merchants

In this chapter of our Integrations Series, we’re delving into how Rx Sell ProPay’s advanced payment tools can pair with a Bank of Hawaii Merchant Account to benefit online pharmacies, especially those specializing in restrictive category peptides. We’ll explore the core features of the Bank of Hawaii Merchant Account, its role within Bank of Hawaii’s business banking ecosystem, and how this integration can improve payment workflows for high-risk merchants across the U.S. market. Learn how it can increase credit card approval rates, cut processing costs, and enhance your pharmacy’s payment infrastructure.

Bank of Hawaii Merchant Account: Origins and Context

Bank of Hawaii, established in 1897 and headquartered in Honolulu, serves Hawaii, Guam, Saipan, and Palau with a wide range of financial services. Its Merchant Services enable businesses to process credit and debit cards (Visa, MasterCard, Discover, American Express), digital wallets (e.g., Apple Pay, Google Pay), and contactless payments through tools like Clover POS systems, virtual terminals, and payment gateways. Built with Level IV PCI DSS compliance, it offers fraud prevention tools such as Address Verification System (AVS) and CVV/CVC validation, plus secure data handling. Integrated with Bank of Hawaii’s business banking suite—including online banking and wire services—it provides fast deposits (typically within 3-5 days of equipment delivery post-approval) and 24/7 customer support via 808-643-3888. For high-risk online pharmacies, including those based out-of-state with a Hawaii presence, this account offers a solid base that Rx Sell ProPay’s tailored solutions can build upon.

Enhancing Payment Journeys for High-Risk Online Pharmacy Merchants

Online pharmacies, particularly those dealing in peptides, face a high-risk payment environment with steep fees, frequent declines due to regulatory constraints, and limited acquiring options. Combining a Bank of Hawaii Merchant Account with Rx Sell ProPay’s tools turns these challenges into opportunities.

Boosting Credit Card Transaction Approval Rates

The Bank of Hawaii Merchant Account supports card-not-present transactions with built-in security like AVS and Clover’s chip-card capabilities. When paired with Rx Sell ProPay, it leverages:

• Intelligent Acceptance: Uses AI to analyze transaction patterns and route payments through optimal acquirers, reducing 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, combined with Bank of Hawaii’s Pacific region network, ensures smooth payment flows across the U.S., minimizing cross-border issues.

These enhancements align with Bank of Hawaii’s virtual terminal and payment gateway options, driving higher credit card acceptance nationwide.

Reducing Processing Fees

High-risk merchants often deal with elevated fees, but the Bank of Hawaii Merchant Account offers tailored solutions with competitive pricing, requiring merchants to be registered with Hawaii’s Department of Commerce and Consumer Affairs for out-of-state applicants. Rx Sell ProPay adds:

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

Bank of Hawaii’s fast equipment delivery (3-5 days post-approval) and deposit integration enhance cash flow alongside these savings.

A Seamless Customer Experience

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

Optimizing Payment Operations for High-Risk Pharmacy Merchants

Online pharmacies in the peptide niche contend with high decline rates, costly fees, and strict compliance demands. Pairing a Bank of Hawaii Merchant Account with Rx Sell ProPay’s tools addresses these with technical precision and efficiency.

Increasing Transaction Approval Rates

The Bank of Hawaii Merchant Account processes transactions with secure features like AVS and Clover’s contactless support. Rx Sell ProPay enhances this with:

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

These, paired with Bank of Hawaii’s acquiring capabilities, ensure reliable transaction success across the U.S.

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 Bank of Hawaii 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 Bank of Hawaii’s broad acceptance.

Bank of Hawaii’s 24/7 support (808-643-3888) and online banking tools enhance these savings with accessible management.

Managing Risk and Compliance

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

• Fraud Detection: Real-time analytics block fraud, enhancing Bank of Hawaii’s AVS and CVV checks.
• Authentication: Implements 3D Secure to meet compliance without slowing checkouts, aligning with PCI DSS standards.
• Vault: Stores payment data securely, supporting tokenized transactions and KYC with Bank of Hawaii’s systems.

These reduce chargebacks and ensure compliance, leveraging Bank of Hawaii’s fraud prevention tools.

Offering Flexible Payment Options

This integration provides:

• Mobile SDK: iOS and Android kits integrate with Bank of Hawaii’s account for native mobile checkouts, syncing with Clover devices.
• Payments Links: Secure URLs expand payment channels, complementing Bank of Hawaii’s online banking.
• Payouts: Moves funds to bank accounts or crypto wallets via Rx Sell ProPay’s payout API, adding flexibility alongside fast deposits.

These align with Bank of Hawaii’s focus on digital convenience, ensuring accessibility.

How to Start the Integration Process

To integrate a Bank of Hawaii 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 a Bank of Hawaii Merchant Account. This starts 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 Bank of Hawaii at 808-643-3888 for 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 Bank of Hawaii’s network in staging.
4. Go Live: Deploy to production, using the Dashboard for monitoring and Treasury & FX for financial oversight. Bank of Hawaii’s support assists via phone or branch visits.

Our team will tailor the setup to your pharmacy’s needs.

Conclusion

Integrating a Bank of Hawaii Merchant Account with Rx Sell ProPay offers 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 gain strong APIs and SDKs, while operations benefit from a scalable system backed by Bank of Hawaii’s Pacific expertise and Clover integration. Submit your demo request today to create a payment infrastructure that powers your pharmacy’s success.