Virtual Terminal

The TotalPay powered by Authorize.Net™ Virtual Terminal enables businesses with a TotalPay account to authorize, process, and manage credit card transactions from any computer with an Internet connection and a Web browser. This Virtual Terminal replaces standard authorization terminals or software and provides the best solution for merchants who manually enter credit card transactions for mail or phone order sales.

The TotalPay Virtual Terminal is the ideal solution for businesses of all sizes because it removes the complexity and expense normally associated with authorizing and processing credit card transactions, and it's much faster than standard dial-up authorization systems.

Businesses with a TotalPay account simply access the TotalPay Virtual Terminal through our Web site using any industry standard Web browser. After logging on to the system using a unique user ID and password, merchants can access the complete range of TotalPay services. This includes authorizations for purchases, credits and returns, status and activity reports, and much more.

To authorize credit card transactions, the merchant simply completes an electronic form that provides the TotalPay system with the information it needs to complete the transaction. This information is encrypted using the latest 40 or 128 bit Secure Socket Layer (SSL) 3.0 technology and sent to a TotalPay host server. The server then sends the data through the authorization network to the appropriate card issuer's bank over a secure, proprietary connection. When the process is complete -- this takes around five seconds -- the merchant receives an authorization number, and the TotalPay server stores the transaction. Transactions are automatically settled each day and funded within 2-5 days.

Merchants can also check the status of transactions, automatically bill customers for recurring charges, or run a variety of reports right from the TotalPay Virtual Terminal.

It's no surprise that TotalPay powered by Authorize.Net™ is the world's leading Internet-based payment authorization and transaction processing solution. Thousands of companies are currently using TotalPay to authorize, capture, and manage their credit card transactions.

WebLink

TotalPay powered by Authorize.Net™ WebLink allows Internet-based businesses to authorize, process, and manage credit card transactions without worrying about all the complicated software, hardware, and expertise normally associated with processing payments over the Web.

When online customers are ready to purchase products or services from a merchant's Web site, WebLink either captures the necessary information (name, credit card number, etc.) from the site's own secure transaction page or displays a standard WebLink transaction page, hosted on a TotalPay server, for the customer to fill out.

This information is encrypted using 40 or 128 bitSecure Socket Layer technology and sent to a TotalPay transaction server. The server then sends the data through the authorization network to the appropriate card issuer's bank over a secure, proprietary connection. When the authorization process is complete -- this takes around five seconds -- the customer receives an approval or decline response, and the TotalPay server stores the transaction. Transactions are automatically settled each day and funded within 2-5 days.

Linking a merchant's Web site to the TotalPay system is simple. The merchant's Web site designer or developer simply inserts a few lines of HTML code that we provide to establish the link. TotalPay supports most available shopping cart software, so it integrates easily with most e-commerce solutions.

Merchants can also check the status of transactions or run reports on past activity by going to the TotalPay Web site and logging on to their own password-protected TotalPay site. Online businesses can also use the TotalPay Virtual Terminal to enter payment information manually if customers prefer to call in with their credit card information.

eCheck.Net™

eCheck.Net™ is an TotalPay powered by Authorize.Net™ corporation payment service that allows online and traditional merchants to accept and process electronic check payments - either directly from their Web site's storefront or through the TotalPay Virtual Terminal. eCheck.Net makes it easy for online businesses to add an electronic check payment option to their Web site.

Customers who wish to pay for a purchase with an electronic check can simply select the electronic check option and enter the requested bank account information. eCheck.Net encrypts the data using the same SSL 3.0 encryption technology as TotalPay and transmits it to the secure server for posting. Transactions are automatically settled each day. TotalPay initiates a debit to the consumer's checking account via the Automated Clearing House (ACH) and subsequently transfers collected funds to the Merchant's account. The eCheck.Net system notifies merchants of failed debit attempts, including Not Sufficient Funds returns.

Traditional merchants without commerce-enabled Web sites can also use eCheck.Net to handle periodic billings. Health clubs, tanning salons, subscription services, ISPs, membership companies, and health care practitioners are typical examples of businesses that need to periodically deduct funds from their customers' checking accounts. Of course, written customer authorization is always required, and merchants must apply and be approved for the eCheck.Net service prior to performing these types of transactions.

• eCheck.Net enables merchants to obtain payment from their Customer via direct debit to their bank account.
• eCheck.Net transactions are not processed in real-time and do involve additional risk to the merchant.
• eCheck.Net transactions "clear" and are paid to the merchant in approximately seven calendar days.
• eCheck.Net transactions will appear on a merchant’s customer’s bank statement as "ECHECK TRANSACTION XXXXXXXXXX," where the Xs represent a 10- character abbreviation of the merchant’s business name.
• eCheck.Net transactions are not guaranteed and can be revoked by the customer without the protections present with card transactions.
• All eCheck.Net transactions must be authorized by the customer in writing and physically signed, just like with a paper check.
• TotalPay is the acquirer of eCheck.Net transactions and sets all processing volumes and levels for a merchant.

Compatable Shopping Carts