Credit Card Processing
Secure Payment Gateway

Your Computer Is the Virtual Terminal

Take an order by phone, fax, or mail with a virtual terminal provided by Electronic Transfer.. Then simply log in to your PayPal account and enter the credit card info. It works at your office, at a tradeshow, or anywhere else you have Internet access.

The secure Virtual Terminal and Batch Upload features enable merchants to process credit card and/or online checktransactions manually. Merchants access the Virtual Terminal and Batch Upload features through the Web-based online merchant center.


Transactions are immediately submitted for authorization and processing each day.

  • Virtual Terminal – Virtual Terminal provides the best solution for merchants who manually enter credit card and electronic check transactions for mail order/telephone order (MOTO) sales.
  • Batch Upload – Submitting multiple transactions in a single file is an efficient way to upload credit card and electronic check transaction data from enterprise applications or other file-based systems.
  • Recurring Billing – Recurring billing option for online checks and credit cards with your account set up. Membership dues and subscription fees are examples of products and services that are typically billed on a recurring basis.

Virtual Terminal suits businesses of all sizes because it reduces the complexity and expense normally associated with authorizing and processing credit card transactions. It’s also much faster than standard dial-up authorization systems.

Businesses with an Electronic Transfer account may access the Virtual Terminal through the FastCharge Web site using any Web browser. After logging into their FastCharge account using a unique user ID and a password, merchants can access the complete range of Electronic Transfer services – authorizations for purchases, credits and returns, status and activity reports, and much more.

To authorize credit card transactions, the merchant must complete an electronic form that provides the Electronic Transfer system with the information it needs to complete the transaction. This information is encrypted using the latest Secure Socket Layer (SSL) technology and is sent to an Electronic Transfer host server. The server then sends the data through the authorization network to the appropriate card issuer’s bank using a secure, proprietary connection. When the process is complete – this usually takes around three seconds – the merchant receives an authorization number, and the Electronic Transfer server stores the transaction. Transactions are automatically settled each day and are typically funded within two to three business days.

Merchants can also check the status of transactions and run a variety of reports right from the Electronic Transfer Merchant Interface.

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