Our most popular credit card processing option is a flexible choice for merchants who do not physically swipe their customer's credit card when the sale is processed. Our software uses the Internet to securely and reliably submit, authorize, capture, and settle credit card and electronic check transactions.

• Card-Processing Software: Turn your PC into a terminal with our Virtual Terminal software. It works much like a physical terminal, except that you manually key-in card information into your PC. And, since the transaction processing is done via the Internet, you can make sales anywhere there's an internet connection.

• QuickBooks Software: Your FREE QuickBooks has one of the industry's most powerful merchant solutions built right into it: QuickBooks Merchant Solutions. Transactions are processed right in the software, so all data is automatically recorded in your QuickBooks, saving you up to 2 hours per week in manual data entry.⁴ Plus, your records are always up-to-date, making reconciliation much easier.

• Terminals: If your business does a mix of face-to-face and card-not-present sales, use one of the terminals listed above. You'll be able to manually key-in transactions and still be able to swipe cards to qualify for the lower, card-swiped rate.

We provide a secure way to automatically authorize, process, and manage credit card transactions on your Web site. Our server-based, real-time Internet processing software connects to your Web site and works seamlessly with most shopping carts. Worried about Internet security? Our software has several features that protect your business from fraudulent activity:

• Fraud Protection: Identify, manage and prevent suspicious or potentially costly fraudulent transactions with this customizable, rules-based solution for Web merchants.

• Cardholder Authentication Programs: Reduce the liabilities and expenses that Web merchants incur from the unauthorized use of credit cards by implementing the Verified by Visa and MasterCard® SecureCode™ programs.

• Address Verification Service (AVS): Checks the address given on your site with the address listed on the credit card file at the issuing bank to ensure a match.

After a sale is processed, you'll even receive an e-mail with sale and customer information so you can fulfill the order. Plus, the Virtual Terminal feature gives you the ability to manually key-in transactions anywhere there's an Internet connection.