Accepting payments online or integrating real-time transaction capability into software systems has quickly become the norm for today's business world. This product, which is called Payments Gateway, is designed for the eCommerce retailer or other types of business enterprises who chooses to direct traffic to a transaction gateway. This easily and transparently integrates within the merchant's web site or software with a minimum amount of development.

This interface is a welcome opportunity for eCommerce retailers to bond a payments solution for electronic checks and credit cards within a web site along with the versatility of a VIRTUALTerminal. Conducting transactions apart from your website along with settlement and transaction reports are at the fingertips of the merchant with point and click ease. One size fits all with the Payments Gateway as it is designed both for the small merchant and the larger enterprise.

This innovative relationship unleashes dot-com infrastructures while growing value-added content with convenience and practicality. The Payments Gateway bundle streamlines the development paradigm while achieving a high level of consumer and merchant confidence. As a tool for eCommerce and software this application has multiple attractions of ease-of-use and uncompromised security.

"...a convenient method of electronic commerce"

FEATURES

• Transactions are securely transmitted utilizing three encryption standards for secure file transmissions. PGP (Pretty Good Privacy) is one method that many have some familiarity with. Triple DES (Data Encryption Standard) is a more secure, followed by AES (Advanced Encryption Standard) recognized as the most secure of all
• Verification - Authentication that utilizes our exclusive real-time ATMVerify service to validate the identity of the originator of each electronic check transaction by posing confidential questions to the transaction originator. As a back up our DIRECTVerify service is also available in case an account is not in the ATMVerify network
• Account number scrubbing and account number translation / formatting
• The ability to validate against proprietary negative files
• The ability to perform a file check in adherence with "velocity" parameters set by the merchant
• The ability to validate ABA routing numbers to catch institutions that do not participate in the ACH and to translate / repair routing numbers and account numbers as needed to minimize administrative returns
• Credit cards are processed in real-time using the latest cardholder verification methods including, AVS (address verification service) and CVV2 (cardholder verification value) to reduce instances of fraud
• Development guides are catered towards the programmer to allow flexibility with multiple capabilities for both real-time and batch transactions
• Both credit card and electronic check testing platforms for developers
• Access to transaction data including settled and rejected items with all appropriate response codes relating to credit card or electronic checks

For a demonstration of the ecommerce transaction gateway please click the following link: eCommerce DEMO, or the Authorize Net demo site. To sample the VIRTUALTerminal click on the following link: VIRTUALTerminal DEMO. For developers please contact us and we will provide your company the necessary integration guides to link your clients website or your software to our system.