How to process with a Virtual Terminal

Simply access the 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 services. This includes authorizations for purchases, credits and returns, status and activity reports and much more.

Step 1: To authorize credit card transactions, the merchant simply completes an electronic form that provides the system with the information it needs to complete the transaction. This information is encrypted using the latest 40 to 128 bit Secure Socket Layer (SSL) 3.0 technology and is sent to the host server.

Step 2: The server then sends the data through the authorization network to the appropriate card issuer's bank over a secure, proprietary connection.

Step 3: When the process is complete - this takes around five seconds - the merchant receives an authorization number and the server stores the transaction. Transactions are automatically settled each day and funded within 48 business hours.

Merchants can also:

A) Check the status of transactions,

B) Automatically bill customers for recurring charges

C) or run a variety of reports right from the Virtual Terminal.

The virtual terminal makes credit card authorization and transaction management fast and easy.