Software Processing
Software processing solution is very similar to a terminal, but you are
able to enter the customers information, and credit card number to process
the order via your computer. This method is for merchants who sell via
mail-order, telephone order, service and internet.
Credit card processing software operates through your computer's modem
and phone line. You simply type in the credit card information and in
3-4 seconds the authorization number will appear on your monitor. Usually
2-3 days later the money will arrive in your business account.
Most credit card processing software has a built-in database where all
of your transactions are stored. This makes your month end accounting
and balancing easy.
What credit card prococesing or POS (Point Of Sale) software can do for
you:
- Supports all major credit card types.
- Authorize transactions either individually or batched.
- Transactions are edited as they are entered with immediate error feedback.
- Electronic draft capture support allows easy draft capture settlement
regardless of the method used by the bank network.
- Supports additional sale information such as item descriptions, invoice
number, and customer number.
- Address verification is supported.
- Works with magnetic stripe readers and small receipt printers.
- Displays totals for batches including outstanding counts, authorized
counts, counts by card type, settlement and discounted totals.
- Create, delete, import, export and other transaction/batch management
functions.
- Prints invoices and/or credit charge slips, transaction detail reports,
and batch summaries.
- Many functions and setup may be password protected so unauthorized
personnel cannot obtain access.
Additional benefits:
- The ability to maintain a customer database and order history.
- Can be setup for recurring billing.
- Able to handle multiple merchant account numbers. Great solution for
call centers.
POS software is a good choice if you're a merchant who has custom products,
inventory issues, or large ticket items that you don't want billed to
the customers credit card in real-time. POS software purchase prices usually
range from $150 to $800.
ICVERIFY
ICVERIFY is a software only solution and the leading PC credit card processing
product. ICVERIFY is a significant enhancement to any Point-Of-Sale system.
Features:
- Point-and-click graphical interface
- Up to 9 years of electronic transaction storage, tracking, and retrieval
- Fast, simple setup wizard handles all of the details of your transaction
environment
- Credit card authorization with draft capture
- Check guarantee, approval, verification and capture
- Allows for floor limit reporting
- Supports magnetic ink check readers (MIC) and three track magnetic
stripe readers for the new driver licenses
- ATM (Automatic Teller Machine) debit card authorization and PIN pads
- Supports all major magnetic stripe readers and signature capture devices
- Consumes no extra counter space
- Supports over 80 transaction processing networks
- Scalable, as your business grows you can expand to multi-user and/or
multi-merchant versions
- Standard Windows application programming interface (API) for ease
of integration with 3rd party application with the use of developer
kits
- Comprehensive on-line help, free 30 day end-user support plan and
optional yearly support and upgrade plans
- Supports Windows networked printers for all reports and receipt printing
- Real/time or batch/recurring/off-line group processing
- Modem sharing for multiple users for quicker processing times
- Address verification
- Direct authorization for American Express and Discover Card ("VPIPI"
compatible)
- Custom payment services (CPS) compliant
- Operates in answer/request files with the "pop-up" and screen
grab modes
- Available in Windows single and multi-user, DOS single and multi-user
(Novell), SCO Unix, developer and demo versions
PCCharge
PCCharge Pro
PC Charge Pro is a proven, sophisticated computer software program
that lets you process all major credit cards right on your own PC and
automatically deposit the transaction amount into your existing bank
account. It also helps reduce fraud losses, saves the merchant time
and money, and provides powerful features and performance at the point-of-sale.
Whether you are a retail or direct marketing brick-and-mortar store,
mail-order/ telephone order or e-store business, PCCharge Pro is a cost
effective solution that will work for you!
Features:
- Accepts all major credit cards
- Certified with the major credit card processors
- Split dial authorization available for Discover and American Express
(available for selected processors)
- Meets up to date compliance standard for Visa and MasterCard
- Multiple payment types accepted: credit cards, debit cards, EBT,
check verification, guarantee and check conversion!
- Purchasing card level II
- Customer Database with Recurring and Installment Billing allows
you to schedule payment processing according to your specific business
requirements
- Batch transaction processing
- Single or multi-user
- Unlimited merchant numbers
- Dial and IP connectivity using SSL
- Designed for stand-alone, client-server, or integrated solutions
- Client software supports card readers, PIN pads and check readers
- Robust and customizable reporting features
Fraud Protection Features:
- Exclusive Magnetic Strip Verification (MSV O) validates the magnetic
account information, by matching the embossed account number
- CVV2 reduces chargebacks by as much as 26%, verifying that the
card values on the front match those on the back of the card
- AVS (Address Verification Services) an important security device
designed for mail order and telephone order merchants
- User level password protection provides controlled permissions
at all levels
- Data file encryption option allows you to encrypt and protect the
consumers credit card account numbers in the database
- Compliant with California Senate Bill 930, ensuring "secure"
receipts
- eFraud, a service packaged within the software, provides the merchant
with fraud risk ratings. (Additional fees are associated to eFraud
transactions.)
PCCharge Express
PCCharge Express makes accepting credit cards, debit cards, gift cards,
and checks easier then ever! Express offers all the features a small
business needs for processing and managing their electronic payments.
Top notch security and reporting functions make this credit card software
a premium one-stop solution.
PCCharge Payment Server
PC Charge Payment Server is the electronic payment processing software
designed specifically for integration into other business applications.
Typical candidates for integration with active-Charge are Point-of-Sale
systems, order entry systems, accounting systems, E-commerce web pages
or any other business application where payment information is handled.
PC Authorize
Turn your PC into a profit center by accepting credit cards. This Windows-based
software will authorize and process credit card transactions. The transaction
history is stored indefinitely on your PC and may be reviewed, printed,
exported, and manipulated. PC Authorize allows you to accept all major
credit cards, and debit transactions.
PC Authorize-Hub
PC Authorize-Hub is a multi-user/multi-merchant server version of the
Windows credit authorization application. Any application capable of utilizing
DDE, Windows Sockets, or named pipes can authorize transactions through
the Hub. All Windows Sockets compatible networks, TCP/IP, and other open
protocols are supported. Therefore, networking with PC Authorize is platform
independent.
Merchant Link
The all-in-one solution for the small to medium sized merchant. MerchantLink
will let you easily handle credit card or check transactions from your
PC. It authorizes and deposits all card transactions types and verifies
and prints check drafts.
Merchant Link Product Overview
- Intuitive Graphical Interface makes operation simple.
- Uses Microsoft's TAPI interface for easy modem configuration.
- Allows for direct TCP/IP connection to certain Visa/MasterCard processing
centers, like NOVA Information Systems, so transactions can be submitted
directly over the Internet from a PC.
- Clone or copy past transactions from transaction history files to
save the time of re-entering customers information manually.
- Import transactions for batch processing of both credit cards and
checks.
- Check drafting component allows merchants to print a bank draft using
their customers checking account information.
- Find past transactions using multiple search criterias like merchant
name, credit card number, order number plus many others.
- Multiple report features for easy reconciliation.
- Communications trace log records all information sent to and received
from the processing center.
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