e-Commerce Merchants

One of the most difficult parts of opening an on-line business is integrating the payment process. With Payment Express Systems, Internet merchants get a fully integrated merchant account, Virtual Terminal®, shopping cart, and product management tools all in one place. The only step to complete is placing "buy buttons" on your website (the shopping cart interface even creates the appropriate "cut & paste" links).

Mail Order/Telephone Order (MO/TO) Merchants

MO/TO merchants do not need a physical terminal ( it's just an unnecessary expense). The Virtual Terminal® handles all your processing needs with the added convenience of 24/7 access from any Internet enabled PC. Get one time and recurring payment processing, auto close (or batch close notifications to prevent penalty fees), sales reports, and immediate response for quick customer approvals.

Not Just For "Virtual" Merchants

Retail merchants who serve a customer base that is billed regularly can process credit cards and deposit checks more quickly and easily with the Virtual Terminal®. Your customers can prearrange to automatically make payments directly from their account to your company's bank account. The exact payment is made directly to your company's account on time, every time. You'll also get great reporting capabilities that are available from any Internet enabled PC.

What's In It For You?

• One system to process both credit card and check payments
• Convenient access to 24 hr. payment processing and reporting
• Automated recurring billing
• Improved cash flow
• Fraud detection and prevention
• Reduce invoicing costs by 90%
• The best virtual terminal available - at no additional charge

Features and Benefits

• Cuts billing costs up to 90% by reducing postage, paper and labor expenses
• No Software licensing fees or installations/upgrades to perform
• Recurring billing at no extra cost
• Eliminates bank fees & lost interest
• Real time fraud control - AVS (Address Verification Service) and CVV2 (Card Verification Value)
• Customized online reporting, email notifications and service announcements
• Secure (SSL) transmission of data
• Fast responses and approvals
• Flexible automated payment scheduling
• Advanced warning of credit cards that are about to expire
• User management allows multiple users and logins with restrictions at all levels
• No need to change banks, deposits can be made to your current financial institution
• Toll free 24/7 customer service

Additional Benefits for Web Merchants

• Easy integration use our free shopping cart (branded with your logo) or simple APIs
• E-mail notifications save legitimate sales that would otherwise be declined
• Advanced product management, internal anti-fraud ID and shipping features

Payment Express Systems State-of-the-Art payment gateway provides a secure, reliable, and cost-effective system for authorizing and managing payment transactions over the Internet. It offers extensive fraud and risk prevention features that lead the industry in protecting merchants.