VirtualPay™

VirtualPay is our web-based virtual terminal that enables merchants to securely process credit card-not-present transactions online in real-time using any computer with an Internet connection, worldwide. VirtualPay replaces traditional credit card authorization terminals.

VirtualPay is an IP (Internet Protocol)-based virtual terminal so it's much faster than standard dial-up authorization systems, providing real-time processing speed while reducing the total processing cost per transaction. Merchants can manually enter credit card transaction information for phone, email or mail orders and process it in seconds.

VirtualPay includes access to our online Merchant Support Tools that provide robust payment management and reporting tools, allowing merchants to view sales activity reports, order and settlement history, settle selected transactions, retrieve, review and settle batches and export data to accounting software.

VirtualPay is one of three payment types available through our virtual terminal. The other payment types are:

• VirtualPay POS (Point-of-Sale)
• Virtual CheckPay (ACH payment processing)

Merchants That Will Benefit from VirtualPay

VirtualPay is ideal for merchants that:

• Accept payment from customers by phone, mail or email
• Want to reduce the cost associated with an authorization terminal and dedicated phone line
• Want faster transaction authorization speeds relative to dial-up telephone lines
• Want real-time authorizations on credit card and e-check orders
• Operate a home-based business or
• Attend trade shows and want to accept real time payment from a booth or
• Employ traveling sales people with wireless Internet access on their computers.

VirtualPay Screenshot

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Features

• 24.7.365 Toll-free live merchant technical support.
• Online Merchant Support Tools.
• Simple, web-based user interface.
• Secure, real-time transaction processing.
• Full range of processing functions: authorization only, authorization and capture, refunds and voids.
• Comprehensive set of payment management functions: settle selected transactions, retrieve, review and settle batches.
• Allows multiple users to access the system with a single login or multiple logins.
• Accept major credit cards including: Visa, MasterCard, Amex, Discover, Diners, EnRoute and JCB.
• Process ACH transactions with our optional Virtual CheckPay feature.

Benefits

• Fast, reliable and secure.
• Much faster than dial-up terminals with lower processing costs.
• Easy and efficient to use for improved sales and customer service.
• Manually enter credit card transactions for phone, mail or email orders.
• No dedicated phone lines, setup or point-of-sale hardware required.
• Reduced customer call-backs due to data entry errors or declined cards.
• Improved cash flow.

Fraud and Security Protection

Payment Processing, Inc provides the best available security technology with 128-bit SSL (Secure Sockets Layer) encryption and fraud detection using AVS, CVV2, CVC2 and CID verification services.