Virtual Terminal Point-Of-Sale Check Processing

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Virtual Terminal Point-Of-Sale Check Processing
American Payment Exchange
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What is the Virtual Terminal?
The ECHO Virtual Terminal is a secure,
browser-based interface that enables businesses
to process credit card and electronic check
transactions from any computer equipped with a
Web browser and Internet access.
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Set-up is easy
After you log-on click here to access the Virtual
Terminal
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One-time Set-up For Your Imager
Click the COM Port your reader is attached to . .
.
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The Transaction Menu
Credit card transactions grayed out when you
process checks only.
Check transaction menu with POP and ARC at
bottom.
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A Closer Look at the Menu
Click the imager you are using. This begins your
POP transaction.
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Youre Ready to Roll!
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The Imager Awaits
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Feed the Check to Begin
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Fields are required
Check data is populated when you scan the check.
Click submit to process
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Drivers License Reader in Action
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(No Transcript)
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Your Image Has Been Uploaded!
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Receipt Ready to Print
Have your customer sign here.
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Declined transaction notification
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Reporting Transaction Review
Search for your transactions by date range.
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Click a link to see detail.
Verify that transactions have been processed to
ECHO.
Summary information for the date range.
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Viewing Transactions On the ACH System
Select all deposits, all checks, or all rejects.
or search for specific checks using a variety
of search criteria.
or choose from these options
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View of checks scheduled to be processed.
User can click drop down to hold an item or to
void it.
You can hold up to 7 days or void immediately.
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Summary status when holds and voids have been
made.
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ACH Reporting -All Items View
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Check Image Repository

Search criteria fields.
Click Find Image to search
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Search Returns Five Items
Click Show to view check image.
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Image with key information.
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Virtual Terminal Benefits

• Flexibility - Access the Virtual Terminal to make
  payments anywhere you use the Weboffice, home,
  laptop, a clients office, PDA, tradeshow, etc.,
  using a special URL.
• Ease of Use - Check imagers connected to PC
  automatically populate data fields and upload
  check image.
• Security State-of-the-art firewall, PIN
  protection for users, and SSL encryption for
  transactions.

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Virtual Terminal Benefits cont.

• Cost Savings
• No need to purchase expensive POS terminals
• No gateway fees
• No monthly minimum fees
• Ability to process electronic check transactions
  that will save on paper check processing costs
  and bank deposit fees
• Faster funds availability (2 3 business days)
  when processing checks through the Virtual
  Terminal vs. paper check processing

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Virtual Terminal Benefits cont.

• Full-featured Transaction Set
• Choose only the payment types you want to process
  through the Virtual Terminal.
• Credit, check verification and electronic check
  payment transactions available.

• Online, Real-time Reporting Review summary
  information for the day, week or month, or view
  detailed, real-time, transaction information.

• 24-Hour Customer Support Our team of customer
  support specialists are ready to assist you from
  implementation of the service and training to
  answering your questions 24-7-365.

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Payment Type

• Electronic Check Transactions
• Check Verification (DV) merchant verifies check
  and processes paper
• Electronic Check Deposit with Verification (DD)
  WEB, TEL, PPD, CCD
• Electronic Check Deposit, ACH Only (DH)
• Electronic Check Credit (DC)
• Point-of-Purchase (POP)
• Accounts Receivable Entry (ARC)

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Virtual Terminal POP in Review

• Point-Of-Purchase (POP) Transaction
• Customer is present
• Imager is connected to PC
• MICR field automatically populates when check is
  scanned (cannot be modified by merchant)
• Merchant inputs Amount
• Merchant swipes drivers license, if imager with
  a card reader is used, or manually inputs DL info
• If approved, an authorization/receipt prints
• Customer signs Merchant Copy of receipt
• Merchant gives the Customer Copy of receipt to
  the customer
• Merchant stamps the check void and returns
  check to the customer
• Transaction is governed by Regulation E and NACHA

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For Virtual Terminal Point-Of-Purchase Check
Processing
Contact
American Payment EXchange
256 Garner Drive Mabank Texas 75156
Phone [phone] Email info_at_americanpaymentexc
hange.com
"Providing consumers convenience and payment
transfer solutions business leaders depend on is
our business"