About Virtual Terminals!

The Virtual Terminal, enables you to process transactions from any computer with an Internet connection and a Web browser. The Virtual Terminal can be used with Payment Server to replace standard authorization terminals and will allow you to provide an easy solution for merchants who manually enter credit card transactions for mail or telephone order sales. The Virtual Terminal can also be integrated into storefront applications to provide a payment solution for developers who build eCommerce sites for merchants.

Virtual Terminal is the ideal solution for business because it removes the complexity and expense normally associated with authorizing and processing credit card transactions. It is flexible because it has Internet and dial capabilities for credit card transactions. An Internet connection is much faster than standard dial-up authorization systems. For merchants who use a credit card processor without an Internet connection, our system also provides a dial up connection. This kind of flexibility cannot be offered with an Internet only service!

If you are an ISP or a Merchant Services Provider with a Web site, you can easily create an application that will allow access to your Virtual Terminal through your Web site using any industry standard Web browser. Merchants can access the complete range of credit card processing services. This includes authorizations for purchases, credits and returns, settlements, reports, and much more.

To authorize credit card transactions, the merchant simply completes the provided electronic form that provides the Virtual Terminal with the information it needs to complete the transaction. This information is encrypted using Secure Socket Layer (SSL) technology and sent to the Payment Server on your web site. The server then sends the data through the authorization network to the appropriate card issuer's bank over a secure Internet connection or through a dial up connection. When the process is complete, in about four to five seconds, the merchant receives an authorization number, and the the Payment Server stores the transaction. Transactions are automatically settled with host-based processors or the merchant settles at the end of the day for terminal based processors.