Checks By Phone Processing - Payment Gateway

The following are available service components within the Gateway:

• Express Authorization
• Express Verify
• Batch Processing
• Transaction Status Tracking
• Simple Customer Interface

We offer single, batch, XML and SOAP processing solutions that are completely scalable for your company's needs.

• Easy integration into most shopping cart and e-commerce application
• Secure and Fast
• Simple user interface
• Reliable system

Internet Check Acceptance

The following customizable Internet Payment form is available to you when using our Gateway Services. This form can be integrated directly to your site or shopping cart. We also offer fee based programming and Integration support for e-commerce merchants requiring such technical assistance.

The following would be an example of the check out process a customer would see when purchasing via check from your web site.

• Copy the information from the customer's check into the form below.
• Press the "Proceed to Authorization" button and wait for the confirmation screen
• Funds electronically deposited into your bank account within 24 to 48 hours.

What is Express Authorization?

Express Authorization is a tool designed for merchants who want to electronically submit individual, fully-formed check transactions and receive an immediate authorization status indicating whether the transaction is approved or rejected.

Merchants who want to use Express Authorization must be responsible for collecting and submitting all data associated with an electronic check transaction.

The concept behind the Express Authorization process is fairly simple and does not take very long to implement.

• Data Gathering - Merchants are responsible for collecting and submitting all data associated with a fully-formed electronic check transaction.
• Transaction Packet Submission - The merchant's software application uses the HTTPS protocol to submit an electronic check transaction packet over the Internet to a secure URL located on the Electronic Gateway.
• Transaction Packet Validation - The Electronic Gateway parses the transaction packet for missing data, invalid field values, security violations, etc.
• Customer Address Verification (optional) - For merchants who have activated this feature through their sales rep, will perform address verification on the customer data.
• Authorization Status Notification - The Electronic Gateway will return an "Authorization Status" in response to the HTTPS request sent by the merchant to indicate whether the transaction was accepted for processing or rejected.