Curry Solutions

ARU (Audio Response Unit) is an automated credit card processing system via a touch-tone telephone available for both retail and mo/to merchants.  It offers full draft capture – authorization and settlement.

ARU is ideal for converting paper merchants who do not want the added expense of a credit card terminal.  The only equipment an ARU merchant will need to use is an imprinter and a touch-tone telephone.  They can have quicker response times (less than 5 seconds), receive their funds electronically via ACH and improve their processing costs.

The ARU process is simple to use.  The merchant dials a toll-free 800 number and is prompted to key specific data on the telephone keypad to complete the transaction.  The merchant has the option to do sales, credits, voids, forces, batch settlements, AVS and inquiries on current and previous batches.  Settlement can occur automatically once a day or the merchant can settle his batch manually through the ARU system.

IMPORTANT:  A sales slips no longer needs to be mailed or deposited at a bank.  Settlement and processing occurs through ARU.  If sales slips are mailed or deposited at a bank, cardholders will be charged twice for the transaction.

Features:

• Reviews/Inquiries
• Automated transaction detail for a specific card number in the current open batch
• Inquiries on batch totals, from current batches to previous batches dated up to 14 days
• Inquiries for batch detail, from current batches to previous batches dated up to 14 days

Settlement options:

• Auto Close – Transactions stored on NOVA Host computer are settled by the Host automatically at a certain time each night

Transaction Capacity:

• 950 transactions per batch

Special Features:

• The merchant can be connected to a “live” operator in the event of an error
• After the merchant has called three times from the same telephone number, the system will automatically associate that telephone number with the merchant ID number, eliminating the need to key in the merchant ID