Process transactions from anywhere in the world.
No, really, you can.

The Virtual Terminal allows merchants to process transactions anywhere in the world from web-enabled devices. The Virtual Terminal supports various payment methods including ACH, credit cards and debit cards.


KEY FEATURES

Real Time Form Field Validation
Helps eliminate key-entry errors by highlighting invalid fields and providing positive reinforcement for valid entries.

Ability to Use Encrypted Card Readers
Secure card readers allow merchants to accept card present transactions. This lowers the risk of fraud and allows merchants to receive discounted processing rates.

Check Scanning Devices
Check scanners provide a fast and efficient way for merchants to process multiple checks and avoid costly mistakes associated with typographical errors.

Customer Tokenization
While using the Virtual Terminal, merchants may elect to save sensitive customer data in the Customer Vault for future billing purposes.

Consider your data secure.

The Customer Vault was designed specifically for businesses of any size to address security concerns about handling customer payment information. Visa and MasterCard have instituted the Payment Card Industry (PCI) Data Security Standard to protect cardholder data–wherever it resides–ensuring that members, merchants, and service providers maintain the highest information security standard.

The Customer Vault allows merchants to transmit their payment information through a Secure Sockets Layer (SSL) connection for storage in our Level 1 PCI certified data facility.

Once the customer record has been securely transmitted to the Customer Vault, the merchant can then initiate transactions remotely without having to access cardholder information directly. This process is accomplished without the merchant storing the customer's payment information in their local database or payment application.

Furthermore, using the Browser Redirect Method in conjunction with the Customer Vault allows merchants to process transactions without transmitting any payment information through their web application. This unique approach provides best of class application flexibility without any PCI compliancy concerns. The Redirect API (Advanced Programmers Interface) is available by request.

Update your billing all at once instead of individually.
Viola, you have a free weekend.

Recurring billing allows merchants to charge customers via multiple payment methods including credit card, debit card or electronic check on regular intervals through saved billing schedules.

The payment gateway has two distinct Recurring methodologies:

Subscription Based Recurring Model - Merchants set a unique billing schedule for each customer. For example, a merchant may establish a billing cycle for Customer A of $20 on the 15th of every month and Customer B of $50 on the 1st of every month.

Plan Based Recurring Model - Merchants establish pre-defined billing plans and link customer(s) to the specific plan. For example, a merchant may offer a variety of services at different price points. An important benefit to the Plan Based Model occurs when the merchant updates a plan - a single change affects many customers all at once, instead of updating each customer subscription individually.

Large orders. Small orders or In between. We have your back.

Batch Processing is used by merchants who store customer orders in spreadsheet formats such as Excel® or Comma Separated Values (CSV).

Merchants upload these files to the payment gateway to efficiently process large volumes of transactions. The payment gateway supports Batch Upload files in CSV, XLS, or TXT files via FTP over SSL or manual web upload.

There is great flexibility on the different formats through Batch Processing. For example, merchants can specifically create a "custom format", use an "auto-detect" format, or use an "original" pre-determined format.


Key Features

  • High performance multi-threaded processing
  • Works efficiently with small and large batch files - from files containing hundreds of transactions to files containing hundreds of thousands of transactions

With iSpyFraud you can spot a fraud a mile away.

This rule-set based management utility allows merchants to configure extensive filters to help them in detecting and protecting against fraud and screening suspicious transactions.

iSpyFraud™'s extensive reporting system gives merchants a quick and easy way to review transactions, block suspicious activity, and zero in on malicious users.

iSpyFraud™ looks at transactions both before and after processing and can decline transactions before and after authorization. The successful implementation and reduction in charge backs across numerous merchants has been a testament to the effectiveness of this product.

iSpyFraud™ allows the user to choose the limit for amount charged in a single transaction, in a day, month, or even a week.

iSpyFraud™ will even allow the user to limit the number of transactions performed in a day or week. These transactions or amounts can be linked to a credit card number or IP address.

Authenticate the online shopper immediately.

Payer Authentication, also known as Verified by Visa® (VbV) and MasterCard SecureCode™, are security protocols developed by Visa and MasterCard that allow consumers to shop online more securely. Visa and MasterCard also give incentives to eCommerce businesses that enable these programs by providing chargeback protection and lower interchange rates.

Simply put, Payer Authentication is validation that the online shopper is the cardholder. Merchants participating in the programs are helping to fight identity theft and consumers become more inclined to continue shopping at these secure websites.


KEY FEATURES

Reduced Chargebacks
Merchants utilizing Payer Authentication are afforded more protection against chargebacks.

Interchange Discounts
In some cases merchants experience lower interchange rates.

Lower Fraud Screening and Manual Review Costs
Merchants spend less time and money reviewing suspicious transactions.

Expand Internationally
Merchants can increase business in foreign markets with less risk.

One step with our Three Step Redirect and you will minimize costs

Our Three Step Redirect API™ methodology ensures secure data transmission by keeping merchants from seeing, touching, handling, transmitting, and even storing any sensitive payment information.

By taking merchants outside the scope of handling sensitive payment information, the Three Step Redirect API™ minimizes the cost and complexity of industry regulations and standards; especially the Payment Card Industry Data Security Standard (PCI-DSS).

The customer never knows they left the merchants website. The seamless look and feel is always kept throughout the process.


HOW DOES IT WORK?

Here is an example of a typical transaction involving the Three Step Redirect API:

Catherine, the customer, enters Wally's Website to purchase his famous wallpaper. Catherine picks out her favorite design and goes to Wally's checkout to make the purchase.

Wally itemizes the products in Catherine's shopping cart and creates an invoice, which he sends to the Payment Gateway. The Payment Gateway receives Wally's invoice and responds to Wally, providing him a URL where Catherine goes to enter her sensitive payment information.

Catherine leaves Wally's website seamlessly, and submits her payment information to the Payment Gateway bypassing Wally completely. The Payment Gateway combines information from Wally's invoice with Catherine's sensitive payment information and returns Catherine back to Wally's Website.

Wally sees Catherine has returned and receives a token from the Payment Gateway confirming terms of the transaction. Wally can then suggest other items for Catherine to purchase or instruct the gateway to process the transaction.

All of the above takes place in just a few seconds!

Take your processing to the next level.

Level III Processing is used by government and enterprise-level corporations when handling large orders through business-to-business and business-to-government transactions.

Merchants utilizing Level III Processing can pass extended transaction data to the payment gateway that is required for certain industries. This allows merchants to secure lower interchange rates and provides cardholders with enhanced data to better understand purchasing patterns, improve purchasing performance, and monitor employee compliance.


KEY FEATURE

API
Level III Processing is supported through our innovative Application Programming Interface (API).

Intuitive, easy-to-use, saves time, saves money.
What’s not to love?

The challenge for a merchant is when they complete an application for a merchant account; they must specify the type of transactions they are going to process. If the merchant wants to process a different type of transaction, it would have to apply for an additional merchant account. For example, if the merchant indicated it was only going to process low-risk transactions, it would have to add another merchant account for higher risk transactions. Because of this, merchants with multiple merchant accounts are forced to maintain multiple gateway accounts.

The Advanced Transaction Routing Interface™ (ATRI™), which allows merchants with multiple Merchant IDs to process all of their transactions through one gateway account. With the ATRI routing system, transactions are automatically routed to the appropriate processor based on the criteria configured in the gateway. It's intuitive, easy-to-use and saves time and money.

Stop doubling-up your work. Now that’s productive.

Merchants using QuickBooks® are forced to make double-entries when completing a transaction. For example, when a merchant processes a payment outside of QuickBooks®, it takes two steps to complete the transaction. Step 1: Process the transaction with a gateway. Step 2: Enter the transaction manually in Quickbooks. This "double-entry" is time-consuming and inefficient.

With QuickBooks® SyncPay, merchants can process the gateway transaction, create an appropriate accounting entry and automatically mark the transaction as paid without ever leaving the QuickBooks® environment.


Key Features

  • Works directly within QuickBooks®
  • Allows merchants to pay invoices
  • Generates sales receipts
  • Processes batch transactions
  • Generates batch reports
  • Allows multiple payments against open invoices
  • Supports card present transactions
  • Supports end-to-end encryption
  • Compatible with QuickBooks® Pro, QuickBooks® Premier and QuickBooks® Enterprise

Attention merchants, attention merchants, we now have carts.
A lot of them.

We are pleased to work with a variety of shopping cart providers and are constantly integrating new shopping carts to accommodate demand. Below is a list of the most common shopping carts we work with. The list is not inclusive, so please contact support for further inquiries.

  • 1ShoppingCart.com
  • 3DCart
  • 800 Cart
  • A-Shop Software
  • Abante Cart
  • aMember Pro
  • Americart
  • Americommerce
  • Apple FileMaker Pro
  • aSecureCart
  • Ashop Commerce
  • AspDotNetStorefront
  • Avactis
  • Big Commerce
  • Blogger
  • Bookeo
  • Canada Cart
  • Cart 7 Technologies
  • Cart 66
  • CartManager
  • Checkfront Booking
  • CiviCRM
  • Contact Your Client
  • CoreCommerce
  • CRE Loaded
  • Credit Money Machine
  • CS-Cart
  • CubeCart
  • cydec
  • Early Impact
  • Ecommerce Templates
  • Ecwid
  • eShop
  • eStore advanced
  • Event Espresso
  • Events Manager Pro
  • FormSite.com
  • FoxyCart
  • GlobeKey
  • GoECart
  • Hikashop
  • Ignite Web Builder
  • iHost e-Store
  • Infusionsoft
  • JigoShop
  • Kentico CMS
  • King Cart
  • LeashTime
  • Lemonstand
  • Lightwave Builder
  • LimeLight CRM
  • Limo Anywhere
  • ma Web Centers
  • Magento
  • Mal's e-commerce
  • MarketersChoice
  • Miva
  • ModernBill
  • Modular Merchant
  • MonsterCommerce
  • NetIDNow
  • Network Solutions
  • NetzCart
  • nSoftware
  • OfficeAutopilot
  • OrderWave
  • OpenCart
  • osCommerce
  • Paid Membership Pro
  • Papercut
  • PDG Software
  • PDshop
  • Penny Pro Auctions
  • Pictures Pro
  • Pinnacle Cart