ACH & Credit Card Processing: Check Verification & Guarantee - Payment Gateways and Virtual Terminals and Software

ACH & Credit Card Processing - Check Verification & Guarantee - Payment Gateways Terminals and Software

VirtualTerminal™

Real-Time Identity Verification, Credit/Debit Card and Electronic Check Processing

APS’s third generation VirtualTerminal™ has again set the bar in the electronic payments industry. This multifaceted Internet based terminal is the ONLY terminal available today that allows merchants to perform identity verification and process ACH (electronic checks), credit card, and debit card transactions in three different fashions: Single, future date, or recurring schedules. Virtual Terminal allows merchants to take payments in any environment – point of sale (POP), over the phone (TEL), through the mail (ARC), through their web site (WEB) and more because merchants are able to code these transactions appropriately. For items 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 VirtualTerminal™ can even be configured to submit payments against it in the event they are returned unpaid.

THE PREMIER BROWSER-BASED PAYMENT PROCESSING SOLUTION

VirtualTerminal™ supports a wide variety of point-of-sale hardware including check readers, check imagers, credit card readers, and receipt printers. Using these devices can help eliminate typographical errors and also qualify for the best possible transaction processing rates.

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.

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.

To demo the VirtualTerminal™ click VirtualTerminal™ Demo. Once there the log in will be empty. Just click the Demo selection to the lower left of the login screen and it will auto fill the login info. Then Login.

Features

Support for all major credit cards
Available integrated multi level check verification (ATMVerify™ and NCNVerify™)
Available integrated customer identity and authentication (IDVerify™)
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

Supported ACH (Electronic Check) Types

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)

Supported Credit Cards

Visa
MasterCard
American Express
Discover
Diner’s Club
JCB