Credit Card Processing via Internet The fastest-growing segment of credit card use today is in �card-not-present" transactions in which a customer makes his or her purchase by mail order or telephone order (MOTO), by facsimile, or via the Internet instead of being physically present at the merchant's location. If you want to process credit cards for Internet, telephone, or mail order transactions, you'll need a special merchant account specifically designed for that purpose. Because you never take physical possession of a credit card so that you can swipe it through a magnetic strip reader, both Visa® and Mastercard use different criteria for evaluating risk and have different fee structures for card-not-present transactions. PayProTec can help you easily establish such a merchant account and the entire process will take just minutes of your time and you'll be up and running in a matter of days. The following pages are setup in a specific order to help you put together the right combination of credit card processing software or terminal equipment, and the services that best meet your needs. When you reach the end of this process, you'll be ready to complete our online application, or to speak with an authorized PayProTec sales consultant. Internet Payment Gateway PayProTec is an industry leader in credit card and electronic check processing for Internet businesses. Whether you are just starting your e-business or have an existing web site that needs payment processing, PayProTec has the products and expertise to ensure your e-business success. We have devoted our energy and resources to making Web transactions reliable, secure, and scalable for thousands of merchants. We can do it for you! We are a full service payment gateway with all of the features and services you need to process e-commerce transactions. Ecommerce Processing Software E-Commerce Gateways provide full credit card processing functionality with features such as on-line customer credit card authorizations, batched transactions, fraud detection and prevention, with full transaction reports. E-Commerce Gateways can be integrated into virtually any internet storefront using an HTML query string or a simple form submit. With the use of our Universal Shopping System you can embed products for sale on any website without the use of scripts, programs, or other complicated technology. Gateway Software Features and Benefits Credit Card Terminal The Credit Card Terminal allows you to perform and process manual transactions such as Sale/MOTO, Credit/Return, and Pre-Auth/Book. Sales orders collected from your web site through secure email can also be processed manually with the Credit Card Terminal. ACH Terminal The ACH Terminal allows you to process ACH (Automated Clearing House) transactions. Sales orders collected from a web site through secure email can also be processed manually with the ACH Terminal. Recurring Billing Our recurring billing features offers a robust, yet easy to use recurring billing system that can be configured to suit the needs of your business. The Transaction Manager Recurring Billing technology helps capture and protect up to 10% more of your subscriptions annually. Membership dues and subscription fees are examples of products and services that are typically billed on a recurring basis. It is the perfect solution that allows you to set up regularly scheduled payments, such as dues for membership services or installment payments. Recurring billing offers you improved profitability, security as well as better control and predictability over your cash flow. Comprehensive Online Reporting The Reports tool allows you to view all credit card Settlement Reports (Sales, Pre-Auths, Credits, etc.) by date, by credit card number, by order number, or by Customer ID. You can also see when a batch was run, how much the batch totaled, and which transactions were included in the batch. In the credit card Transactions Reports, you can review Address Verification System (AVS) results or learn the reason a specific transaction was declined. ACH Transaction Reports tell you information about any check based transactions you have run over a given date range. The Export Orders utility allows you to export sales data using several popular file formats. Fraud Protection Developing and maintaining a current negative database of payment types and customers that have caused you problems or have committed fraud is useful in helping your business reduce costs and maintain profits. The Transaction Manager Fraud Protection system allows you to lock out, or unlock, certain credit cards, individuals, and/or countries that you choose not to support. This feature enables you to monitor your system for fraudulent transactions and set specific parameters for which types of transactions you will not accept.