Introducing Virtual Merchant

Use your PC as a credit card machine

• Uses an inexpensive magnetic stripe reader to swipe credit cards.
• Provides all the features of a dedicated credit card terminal.
• No software to install, no network to configure.
• Works with any Internet enabled PC.
• Full compliance with VISA® regulations.
• Works for Retail, Mail Order, Phone Order and Internet sales.
• Print or email receipts.
• Easily handle recurring and installment payments.
• Integrates with ecommerce shopping carts.
• Accept credit and debit cards, electronic checks and gift cards.

• Free to purchase
• No increase in rate
• No increase in transaction fees
• $10 monthly fee
• Magnetic stripe reader is much less expensive than an average priced credit card terminal

You can start getting set up right now

Face-to-Face and/or E-Commerce Support

Virtual Terminal

An easy, economical hosted software solution that lets you use any PC with an Internet connection to efficiently and cost-effectively process payment transactions. Process transactions in physical face-to-face, mail order/telephone order, or e-commerce environments.

Ecommerce payments

Efficiently and affordably integrates with a shopping cart to securely process e-commerce transactions. Compatible with dozens of carts including: X-Cart, Cart32, osCommerce, Zen Cart, Ultracart, Cubecart, Joomla Virtuemart, CRE Loaded and others.

Hosted Convenience and Versatility

• Fully hosted by Elavon (formerly NOVA) minimizing your security liability and ensuring PCI, CISP and other card association regulations and standards are met without the need for expensive compliance audits
• No hardware specifications, network infrastructure or software installation required. Can be quickly and easily accessed from any Internet enabled PC
• Software enhancements and updates are received automatically - no software downloads or installation needed
• Reduce risk and compliance headaches by letting Elavon protect financial data and ensure that merchants are in compliance with the latest industry security standards and regulations.

Efficient and Cost Effective

• Utilizes your existing hardware and technical infrastructure, up front investment is much less than the cost of a single, average-priced terminal
• Processes transactions in as little as three seconds over a high-speed Internet connection
• Provides capability to process payments in Retail, MOTO or Internet environment
• Supports an unlimited number of users and Merchant ID’s - serving organizations of any size
• Connects with a broad range of peripherals, such as card swipes, PIN pads and check imagers for acceptance of virtually all payment type
• Maintains a detailed record of up to 12 months of transaction activity
• Eliminates costly charges for multiple terminals and dedicated telephone line

Virtual Merchant Features

Fraud protection through Address Verification Service (AVS) and Card Verification Value (CVV2)

• Protects against fraud on non consumer-no-present key-entered transactions
• Qualifies mail and telephone order merchants for the best discount rate available

Correlates Mail Order/Telephone Order authorizations with settlements

• Ensures that cards are not billed until products are shipped, meeting Visa and MasterCard requirements
• Eliminates the need to re-key transactions for settlement

Purchasing Card Capability

• BIN Level Prompting for Customer Code and Tax Amount (Level II Purchasing Card data)
• Allows transactions to qualify correctly, minimizing interchange expense

Receipt Customization

• Customer receipts can be printed with user defined fields, custom headers, custom footers, advertisements, etc.
• Can be configured to print receipts on traditional roll type printer, network printer
• Receipts can be delivered electronically through e-mail or can be turned off altogether

Allows storage of recurring and installment payment information

• Transactions will be automatically authorized according to the selected billing cycle eliminating the need for manual re-entry of billing information

Multi-entry feature for easy and quick entry of multiple credit or check transactions on one screen

Customizable payment screens

• Unlimited number and size of User Defined Fields available
• Ensures only desired fields are seen, minimizing screen clutter
• Field labels and order can be tailored for individual environments to maximize usability
• Fields can be made mandatory to help minimize downgrades or ensure User Defined Fields are always provided

Exports common separated value (CSV) data for import into other applications or further analysis, tracking or storage

Supports “Business Rules” for ecommerce environments

Payment Types Supported

• Credit Card
• Electronic Gift Card
• PIN-based Debit
• PIN-based EBT
• Cash Benefit
• Point-of-Purchase (POP) Electronic Check Service
• Accounts Receivable (ARC) Electronic Check Service
• Dynamic Currency Conversion (retail & web )