Extended warranty businesses operate in a complex payment environment where traditional processing falls short. SensaPay's merchant accounts bridge this gap by combining robust gateway technology with credit card processing rules designed for your industry's unique demands.

Gateway Capabilities

Warranty customers expect seamless payments, whether coverage was purchased online, by phone, or in-store years ago. SensaPay’s gateway delivers consistency through secure tokenization, protecting data while enabling multi-year billing.

• Tokenization safeguards customer data across long coverage periods

• Custom descriptors cut statement confusion and disputes

• Intelligent routing improves transaction success

The gateway integrates with your warranty management systems, ensuring payment data flows smoothly. When disputes arise months or years later, detailed audit trails provide the documentation needed to win representation cases.

Credit Card Processing

Warranty transactions span multiple scenarios, from card-present checkout sales with lower rates to card-not-present renewals months later. SensaPay’s infrastructure handles both with tailored safeguards.

• Card-present sales get lower rates and fraud protection

• Recurring billing flags reduce declines on renewals

• Extended dispute records support delayed chargebacks

Unlike standard processors, SensaPay accounts for the longer dispute cycles in warranty businesses, keeping extended transaction histories and customer records ready when challenges surface.