DirectBilling is by far the most comprehensive electronic payment-processing program available today. Its broad range of processing capabilities includes real-time or batch-mode processing of credit cards, electronic checks (ACH/ATM) and debit card processing. Its easy-to-use, yet powerful, user interface enables merchants to schedule a single transaction or a series of recurring transactions with a few simple keystrokes.

The Most Advanced Payment Solution Available Today Real-time and batch-mode transaction processing

* Support for all major credit cards
* Check verification and conversion
* Powerful recurring transaction features
* Network ready out of the box
* Multiple merchant processing account support
* Comprehensive security and reporting features

 DirectBilling is engineered with many time saving features and automatic validation features to increase accuracy and maximize productivity. Credit card account number and check ABA number validation occurs at the time of data entry to minimize time wasted handling administrative returns. DirectBilling also features extensive default settings that can be used to minimize keystrokes and errors by automatically filling data entry screens with the most common transaction information.

 DirectBilling is network ready out-of-the-box. Whether running a home-based business or a large organization with hundreds of users, DirectBilling has the capacity to handle the job. DirectBilling can be used stand-alone or linked to existing accounting, database, spreadsheet or custom application with its flexible import and export capabilities.

 DirectBilling includes a complete suite of reports to help track receivables, better manage resources and maximize cash flow. Report data is automatically updated each time it communicates with the host and is downloaded and stored in an encrypted format for fast and efficient retrieval. Reports are also available online 24/7/365 for easy retrieval while traveling or when managing remote facilities.

 Comprehensive security options allow complete control over each user’s access rights and transaction limits. User access can be limited by the day of week and time of day. Transaction limits can be established for each user, which can not only set a maximum transaction amount for each type of transaction, but can also limit which transactions the user is allowed to perform.

 For real-time transaction processing, DirectBilling uses a high-speed encrypted Internet link to process transactions – usually in well under five seconds.

 Traditional hardware based terminals can take over five times longer to process a similar transaction. DirectBilling also supports a wide variety of point-of-sale hardware including check readers, check imagers, credit card readers, and receipt printers. Using these devices can help eliminate typographical errors and qualify for the best possible transaction processing rates.

 Whether your business is retail, wholesale, telephone order, mail order, Internet, or service industry based, DirectBilling is the perfect choice to handle your financial transaction processing needs.

 Features

* Lightning fast authorizations
* VISA E-Commerce Indicator (ECI) support
* CVV/CVV2/CIB support
* Receipt masking/truncating requirements support
* Local stored data is encrypted
* Address Verification Service (AVS) support
* Procurement Card (P-Card Level II) support

  System Requirements

PC with Windows 95 or greater
64mb of RAM
SVGA monitor (800x600 minimum)
30mb of free hard disc space
Internet connectivity or 9600+ baud modem

ACH Direct’s VirtualTerminal is by far the most advanced web-based platform for processing electronic payments available today. With its easy-to-use, yet powerful user interface, VirtualTerminal enables merchants to schedule a single transaction or a series of recurring transactions with a few simple keystrokes. VirtualTerminal supports the processing of credit card, debit card and electronic check (ACH/ATM) transactions. These transactions can be processed in real-time or can be scheduled to occur at a future date designated by the user. VirtualTerminal’s powerful re-presentment options can be configured to re-attempt or even use a secondary payment method to collect items that are returned unpaid.

 Real-Time Credit/Debit Card and Electronic Check Processing

 Support for all major credit cards
Check verification and conversion
Powerful recurring transaction features
State-of-the-art re-presentment functions
Multiple merchant processing account support
Comprehensive security and reporting features
The Premier Browser-Based Payment Processing Solution

 VirtualTerminal supports a wide variety of point-of-sale hardware including check readers, check imagers, credit card readers, and receipt printers. Using these devices can help eliminate typographical errors and also qualify for the best possible transaction processing rates.

 VirtualTerminal has also been engineered with many time-saving features and automatic validation features to increase accuracy and maximize productivity. Credit card account number and check ABA number validation occurs at time of data entry to minimize time wasted on handling administrative returns. VirtualTerminal also features extensive default settings that can be used to minimize keystrokes and erors by automatically filling data entry screens with the most common transactional information.

 Each VirtualTerminal account comes standard with a system administrator account. With this account, the merchants are able to set up a virtually unlimited number of additional users, each with their own set of security, access, and transaction processing limit settings. Users can log in to the system from multiple locations worldwide, or they can be locked down to a single location through the use of IP limiting.

 VirtualTerminal includes a complete suite of reports to help track receivables, better manage resources and maximize cash flow. Report data is automatically updated in real time and all data is encrypted and stored at ACH Direct’s data center. Reports can be exported to PDF, Word, Excel, CSV, and a variety of other formats.

 Whether your business is retail, wholesale, telephone order, mail order, Internet, or service industry based, VirtualTerminal is the perfect choice to handle all of your financial transaction processing needs.

 Features

 Lightning fast authorizations
VISA E-Commerce Indicator (ECI) support
Local stored data is encrypted
Address Verification Service (AVS) support
Procurement Card (P-Card Level II) support
CVV/CVV2/CIB support
New receipt masking/truncating requirements support
Supported ACH (Electronic Check) Types
PPD (Business to Consumer)
CCD (Business to Business)
WEB (Web Initiated)
TEL (Telephone Initiated)
POP (Point of Presentment – POS)
ARC (Account Receivable – Lockbox)
RCK (Returned Check – NSF Check)
Supported Credit Cards

Visa
MasterCard
American Express
Discover
Diner’s Club
JCB

With SoftTerminal, companies can process transactions at lightning-fast speed through a secure Internet connection (SSL v3.0). This Windows-based application developed by ACH Direct enables such rapid authorizations by using a constant connection through the Internet rather than expensive dedicated leased lines.

 Merchants with SoftTerminal can swiftly perform any of the following at POS: convert checks into ACH items, process credit card purchases, verify checks using ATM or Direct Verify, take check or credit card payments (single payments) over the phone, and authorize checks over the phone. Retail businesses in particular consider SoftTerminal a perfect fit.

 Features

Unlike our VirtualTerminal product, which can support recurring payments, SoftTerminal is designed for single-entry payments.

All data stored on merchants’ computers and transmitted is encrypted for the merchants’ and their customers’ protection. SoftTerminal supports the latest anti-fraud features such as Address Verification Services (AVS) in addition to CVV2 and CVC2. This application also supports multiple users with several levels of security including transaction type, amount limiting, and feature limiting.

 Transactions Supported

Credit card types supported include VISA, MasterCard, American Express, Discover, and JCB. VISA’s e-commerce indicator (ECI) and Purchase Card Level II transactions are also supported. Credit card processors supported include Nova and Global.

 Equipment supported includes Magtek Check/Credit Card Reader, Magtek Mini USB Credit Card Swipe Reader, KB Emulation Track 1&2, and Magtek Micr Imager. Merchants must also have a dedicated Internet connection.

 Reporting

A complete suite of reports for managing and tracking transactions is part of the SoftTerminal software. Each time a merchant communicates with the host, report data is automatically downloaded. Online reporting is also available if desired at no extra charge.