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 (ETI). Then log in to your PayPal account and enter the credit card info. It works at your office, at a trade show, or anywhere else you have Internet access.
 
The secure Virtual Terminal and Batch Upload features enable merchants to process credit card and/or online check transactions manually. Merchants can access these features through the Web-based online merchant center.
 
Transactions are immediately submitted for authorization and processing each day.
 

Authorization Process

  • Virtual Terminal – This 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 many 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 – This option is for online checks and credit cards with your account set up. Membership dues and subscription fees are examples of products and services that are 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 ETI account may access the Virtual Terminal through the FastCharge website using any browser. After logging into their account, merchants can access the complete range of services. For example, authorizations for purchases, credits/returns, status/activity reports, and much more.
 
To authorize credit card transactions, the merchant must complete an electronic form that provides the system with the information it needs to complete the transaction. This information encrypts using the latest Secure Socket Layer (SSL) technology and sends 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, the merchant receives an authorization number, and the server stores the transaction. This usually takes around three seconds. 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 Merchant Interface.

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