Benefits at a Glance :

• Turns any web enabled PC into a payment terminal
• Supports all payment environments including retail face-to-face, mail order, telephone order and e-commerce
• Accommodates an unlimited number of users and merchant numbers to grow with you as your business grows
  

Versatile & Flexible

• Turns any PC into a virtual payment solution in both physical (face-to-face) and mail order/telephone order (MO/TO) environments
• Integrates “Buy Button” functionality easily and affordably with your shopping cart to securely process e-commerce transactions
• Processes credit and PIN-based debit cards
• Supports real-time processing and also features a highly efficient multiple-entry mode for key entering a series of non-real-time transactions
• Accommodates an unlimited number of users, departments, and Merchant IDs and easily scales over time, making Virtual Merchant ideal for any size business and any number of locations
• Allows smaller businesses to leverage existing PCs to handle all their accounting, inventory management, and payment processing needs
• Eliminates fees for software upgrades, new releases, and technical support – all of which are provided as part of the hosted service – greatly reducing the total cost of ownership
  

Powerful, Secure Data Management

• Fully-hosted solution minimizes your security liability and ensures card association regulations and standards are met – without the need for expensive compliance audits
• Allows you to establish business rules for e-commerce transactions that fall outside your normal business patterns – flagging transactions by type, value, or other criteria – to process most transactions automatically, but “spend” those that need further review
• Exports comma separated value (CSV) data into other applications for further analysis or tracking
• Maintains a detailed, 12-month history and supplies powerful, easy-to-use tools to identify trends and analyze transactions over time
• Employs the latest SSL certificate encryption technologies to ensure transactions are processed in a safe and secure manner
• Can be easily configured to ensure users only view and have access to appropriate data and reports

Efficient & Cost-Effective

• Leverages your existing PCs and Internet connections, eliminating the expense of investing in dedicated payment terminals and telephone lines
• Processes transactions in as little as three seconds over an always on, high-speed Internet connection
• Enables you to process authorizations at the time of sale, but submit transactions for settlement at a later date, without re-keying the transaction data – ideal for MO/TO or delayed delivery environments

Reliable & Easy to Use

• Can be quickly and easily accessed from any PC with an Internet connection, using a secure login; no hardware specifications, network infrastructure, or software installation required
• Relies on a familiar browser-based interface, making screens very easy to navigate
• Offers instant assistance when needed using screen-sensitive “help”
• Supports widely used extensible Markup Language (XML) as well as http post integration, for easy integration into most web-based environments
• Supports a variety of peripherals, including mag-stripe readers, PIN pads and receipt printers