Price. Credit
Card
Transaction's
prices
are
exceptionally
competitive.
Will
my
order
forms
need
to
reside
on
Credit Card Transaction's
server?
If
so,
how
will
I
get
access
to
change
them
when
necessary?
Your
order
pages
can
reside
wherever
you'd
like,
giving
you
complete
control.
You
simply "post" your
order
form
to
Credit Card Transaction's
secure
server.
After
your
customers
place
orders,
Credit Card Transactions
redirects
them
to
the
URL
of
your
choice.
(The
URL
can
also
be
a
CGI.)
What
fields
are
required
in
my
order
form
for
the
process
to
work?
Please
see
the
developer's
information
link
concerning
required
and
non-required
fields.
How
do
I
(the
merchant)
get
paid?
VirtualPay:
Funds
are
deposited
into
your
bank
account
according
to
your
agreement
with
your
merchant
credit
card
processor
(generally
within
48-72
hours).
VirtualPayEFT:
Funds
are
electronically
transferred
into
your
bank
account.
Do
customers
need
to
belong
to
an
online
bank
to
use
Credit Card Transactions?
No.
What
information
do
my
customers
provide
for
order
processing?
For
VirtualPay:
Information as listed on the customer's credit card statement, including
name, address, phone number, credit card number, and expiration date.
For VirtualPayEFT:
Information shown on one of the customer's checks, including name,
address, phone number, and the routing number on the bottom of the
check.
In all cases, the customer is also asked for an email address.
How
do
my
customers
keep
track
of
the
transaction?
With
each
order,
an
email
notification
is
sent
to
the
customer
with
complete
order
details.
The
transaction
then
appears
on
the
customer's
monthly
credit
card
or
checking
account
statement.
How
long
have
Credit Card Transaction's
services
been
in
use?
Credit
Card
Transactions,
was
launched
in
1994.
Credit Card Transactions
started
Internet
operations
in
March
of
1995.
Since
that
time,
the
company
has
processed
many
millions
of
dollars
in
transactions.
What
prevents
the
interception
of
account
information
on
the
Internet?
Credit
Card
Transaction's
security
standards are
unsurpassed.
Since
account
information
is
never
transmitted
unencrypted
or
stored
on
the
Internet,
there
is
no
danger
of
interception.
Account
information
is
never
sent
via
email.
What
about
my
customers
who
aren't
on
the
Internet?
Credit Card Transaction's
services
are
not
limited
to
Internet
transactions.
As
long
as
you
have
an
Internet
connection,
we
can
also
process
transactions
you
receive
via
phone,
fax,
or
in
person.
How
do
I
accept
credit
cards
online?
1.
Register
with
Credit
Card
Transactions.
2. Obtain a credit card merchant account.
Once
you
have
completed
these
two
steps,
we
can
set
you
up
with
our VirtualPay service
within
one
business
day.
I
already
have
merchant
account.
Do
I
need
a
new
one?
No.
Any
merchant
account
will
work,
provided
that
it
utilizes
one
of
the
main
processing
networks
(see
the
list
on
our
processing
networks
page).
If
you
don't
have
a
merchant
account,
we
can
help
you
obtain
one.
Do
I
need
a
credit
card
terminal
or
processing
software?
No.
VirtualPay eliminates
your
need
to
lease
or
buy
credit
card
processing
hardware
or
software.
Does
VirtualPay
perform
address
verification
(AVS)?
All
of
the
major
credit
card
processors
will
accept
transactions
that
do
not
pass
AVS.
The
fact
that
processors
do
not
reject
non-AVS
transactions
is
a
great
concern
of
ours.
Because
of
this,
Credit Card Transactions
has
introduced
one
of
the
first
AVS
systems
for
the
Internet.
Our
system
allows
us
to
disallow
transactions
that
are
allowed
through
the
processor
without
passing
AVS.
The
system
takes
into
consideration
the
AVS
selection
each
merchant
makes
at
signup.
If
a
non-AVS
transaction
is
allowed
through
by
the
processor,
Credit Card Transaction's
system
will
not
allow
the
transaction
to
be
processed
and
will
issue
an
error
message
to
the
customer.
Can
I
post
a
credit
to
a
customer's
card?
Yes.
VirtualPay
is
a
fully-functional
Point-of-Sale
(POS)
service.
Merchants
can
post
credits
to
customers'
cards.
This
function
is
performed
on
Credit Card Transaction's
secure
server
in
a
password-protected
environment.
Can
I
void
transactions
online?
Yes.
This
can
be
done
in
real-time
in
a
secure,
password-protected
environment.
How
do
I
accept
payments
via
EFT?
1.
Register
with
Credit
Card
Transactions.
2.
Set
up
an
account
with
an
EFT
provider.
Then,
when
your
customer
chooses
to
pay
from
a
bank
account,
they
simply
provide
their
account
information
in
an
online
order
form.
This
information
is
relayed
securely
to
the
EFT
processor
for
approval.
Once
approved,
Credit Card Transactions
sends
both
you
and
your
customer
a
copy
of
the
order
via
e-mail.
Funds
are
electronically
transferred
from
your
customer's
bank
account
into
your
own.
For
VirtualPayEFT,
do
I
need
a
merchant
account
or
any
special
hardware
or
software?
No.
Can
VirtualPayEFT
transactions
be
returned
by
my
bank
for
non-sufficient
funds
(NSF),
etc.?
If
your
customer
provides
invalid
account
information
or
doesn't
have
sufficient
funds
to
cover
an
order,
their
VirtualPayEFT
transaction
will
be
declined
by
the
EFT
processor.
Transactions
will
only
be
submitted
to
your
bank after they
have
been
screened
by
the
EFT
processor.
This
alleviates
the
risk
of
bank-assessed
returned-item
fees. For more information about VirtualPayEFT, CLICK
HERE.
