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Online Payments's system starts working when you direct your customers to a secure payment processing page. The customer's personal information is transmitted to and verified by in an encrypted format. then screens the data received with our advanced Fraud Screening system and either approves or declines the transaction. offers 3 ways of using its system to its merchants:
By adding some simple HTML code on your web pages, your customers are directed to's secure payment page.
This system gives you total control on the look and feel of the experience because your customers never leave your web site.
The Virtual Terminal (VT) is a great tool for merchants who have offline orders generated by mail order/telephone order sales (MOTO).

When you sign up for a Merchant Account, you may use any of these options at no extra cost! Another great reason to choose!

Our convenient, hassle-free payer authentication service gives you the online payment guarantee programs, plus optional additional fraud screen protection, via one easy connection. These card programs verify the cardholder's identity directly with the card issuer in real-time to increase payment security (chargeback protection on qualifying transactions) and reduce the risk of fraud and identity theft.'s advanced Fraud Screen provides fraud risk prediction scores by assessing over 150 order variables such as domestic and international address validation, domestic and international IP address verification, and order velocity. Highly accurate risk scores are typically calculated in less than 2 seconds, using LTD. The service is further enhanced by Visa's patent-pending Virtual Intelligence Risk Technology, providing continuous model updates which employ global fraud trends and online and offline payment card usage patterns to improve fraud detection accuracy for card-not-present merchants.
  • No term contracts
  • Plug-and-play design
  • FREE web-based Reporting Center
  • FREE Merchant marketing tools included
  • Integrates with any third-party application
  • Takes minutes to set up
  • Weekly settlements
  • Instant sales notification
  • Real-time reporting
  • Real-time processing
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  • Leaders in payment processing
  • Able to accomodate a variety of industries
  • Multiple processing solutions
  • shopping cart offered free
  • Most advanced backoffice available
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