Virtual Terminal™

Access Payment Systems third generation VirtualTerminal™ has again set the bar in the electronic payments industry. This includes Credit card processing, debit card processing, ACH processing(EFT or electronic checks), check verification and Identity Verification in Real-Time.

Flexibility in Electronic Payments

This multifaceted Internet based virtual terminal is the ONLY virtual terminal available today that allows merchants to perform ACH, credit card, and debit card transactions in three different fashions: Single, future date, or recurring schedules in both debits and credits and both checking and savings for ACH processing. VirtualTerminal™ allows merchants to take payments in any environment.  Point of Sale, over the phone, through the mail, through their web site and more. For ACH transactions that have been returned unpaid VirtualTerminal™ powerful re-presentment options can be configured to re-attempt payment immediately, on a specific day, or delayed by a number of days. If merchants obtain a secondary form of payment  such as a credit card or different bank account VirtualTerminal™ can even be configured to submit payments against it in the event they are returned unpaid.

A Premier Internet Based Payment Processing Solution

VirtualTerminal™ has also been engineered with many time-saving features and automatic validation features to increase accuracy and maximize productivity. Credit card account number and check ABA number validation occurs at time of data entry to minimize time wasted on handling administrative returns. VirtualTerminal™ also features extensive default settings that can be used to minimize keystrokes and errors by automatically filling data entry screens with the most common transactional information.

Each VirtualTerminal™ account comes standard with a system administrator account. With this account, the merchants are able to set up a virtually unlimited number of additional users, each with their own set of security, access, and transaction processing limit settings. Users can log in to the system from multiple locations worldwide, or they can be locked down to a single location through the use of IP limiting.

VirtualTerminal™ includes a complete suite of reports to help track receivables, better manage resources and maximize cash flow. Report data is automatically updated in real time and all data is encrypted and stored at our processors data center. Reports can be exported to PDF, Word, Excel, CSV, and a variety of other formats and also accessed via FTP.

Whether your business is retail, wholesale, telephone order, mail order, Internet, or service industry based, VirtualTerminal™ is the perfect choice to handle all of your financial transaction processing needs.

• Support for all major credit cards
• Available integrated multi-level Real Time Check Verification
• Available integrated customer Identity Verification
• Powerful recurring transaction features
• Automated customer email notifications
• State-of-the-art re-presentment functions
• Multi-location and multi-division support and reporting
• Comprehensive security and reporting features
• Lightning fast authorizations
• VISA E-Commerce Indicator (ECI) support
• Local stored data is encrypted
• Address Verification Service (AVS) support
• Procurement Card (P-Card Level II) support
• CVV/CVV2/CIB support
• New receipt masking/truncating requirements support
• Meets all PCI Compliancy Standards

• PPD (Business to Consumer)
• CCD (Business to Business)
• WEB (Web Initiated)
• TEL (Telephone Initiated)
• POP (Point of Presentment – POS)
• ARC (Account Receivable – Lockbox)
• RCK (Returned Check – NSF Check)
• BOC (Back Office Conversion)
  
• CIE (Customer Initiated Entry)
  
• CTX (Corporate Trade Exchange)