Virtual Terminal

The Pay-Me-Now Virtual Terminal is a secure, browser-based interface that enables businesses to authorize, process and manage credit card transactions from any computer that has an Internet connection and a Web browser. Virtual Terminal replaces standard authorization terminals or software, and provides the best solution for merchants who manually enter credit card transactions for mail or phone order sales.

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 a Pay-Me-Now account may access the Virtual Terminal through the Pay-Me-Now Web site using any Web browser. After logging into their Pay-Me-Now account using a unique user ID and a password, merchants can access the complete range of Pay-Me-Now 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 Pay-Me-Now system with the information it needs to complete the transaction. This information is encrypted using the latest 40 or 128-bit Secure Socket Layer (SSL) 3.0 technology and is sent to an Pay-Me-Now 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 Pay-Me-Now 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 Pay-Me-Now Merchant Interface.