Payment Processing Software ACH Payment Credit Card Costs

#1 Smart Payment Solutions

Review date: 03.02.2010

Description:

This service payment solution company helps corporations and non-profit organizations increase cash flow and control costs. The solution is a web-based program which means that you don’t have to install any software on your computer.

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Price:

Free Demo

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Ease of use is one of the best things about Smart Payment Solutions.

Advanced Features:

Convert paper checks to electronic checks
Recurring payments
Payments to suppliers
Remote deposit capture
Direct deposit of payroll
Virtual payments platform

Review:

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Best of all, the application offers a selection of payment solutions, including the ability to accept payments electronically.

Specializes in ACH (Automatic Clearing House) and credit card processing.
You will be able to collect payments by converting paper checks to electronic.
You can increase profits by reducing credit card processing fees.
Improve cash management and customer service.
You can eliminate costs related to preparing and mailing invoices.
Thanks to the web-based interface, you'll will be able to deposit checks without leaving your office.

This solution eliminates the need to work with multiple payment vendors and can manage diverse payment platforms including automated clearing house software applications.

#2 Verifone - Credit Card Authorisation

Review date: 03.01.2010

Description:

Designed to grow with your business, the program also allows you to incorporate several security features to help protect you and your customers. In addition, their smart card readers allows you to expand options as your payment needs evolve.

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Price:

Free demo

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Offers integration languages and methods including .Net, C+, TCP/IP sockets method.

Advanced Features:

Scalable payment platform
End to end support
Portfolio of hardware and services
Common Payware API
Payment transaction flexibility
Adaptable to customer needs

Review:

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Best of all, their credit card terminals include all the security and fraud control features required in bank card environments.

Helps consolidate payments from different sources. Simplifies the creation and updating of application programs.
Significantly improve business processes with sophisticated workflow features.
Supports multiple deployment options with Java based engine
Provides all the right tools in a simple format and at a nice price.
The Direct Deposit selection creates a special file called an "ACH" (Automated Clearing House) file.
Offers PC-based, payment gateway and OS independent solutions.

Overall, Verifone provides all the right tools in a simple format. Besides, the application enables you to support several payment options including checks, debit and credit cards.

#3 Monetra - Payment Processing Software

Review date: 03.01.2010

Description:

This web-based software enables you to, among other things, eliminate the merchant's risk for credit card data theft. Through a wide variety of electronic processing services, it also allows you the rapid transfer of payments from buying consumers to the merchant.

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Price:

Free demo

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It provides a built in processor module called 'Loopback' that can be used for offline testing.

Main Features:

PA-DSS validation
Support for verified by Visa and Mastercard
Versatile communication support
Remote IP/SSL connectivity
Scalable system design
Address verification system

Review:

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The software is Visa PABP compliant.
Complete payment solution for convenient store retails.
Can be upgraded at any time to satisfy additional requirements.
Runs on all operating systems.
Allows merchants the choice to connect directly to any major processor.
Enables merchants and software developers to create secure credit card processing systems.
A translator between merchant and processor systems.

Please note that the Monetra payment system requires a minimum system configuration : Pentium III 700, with 128 MB RAM and 100 meg available disk storage space (for full Monetra package). The package can be completed in less than 10 minutes.

#4 Authorize - Payment Gateway

Review date: 03.01.2010

Description:

This payment gateway enables merchants like you to accept credit card and electronic check payments via Web sites. It also allows you to specify a threshold for the number of transactions allowed per day.

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Price:

Free demo

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Redirects or frames in the relay script are not recommended.

Main Features:

Free unlimited Program Support
Generates Direct Deposit File
Imports Employee Information
Automatic Tax Computations
Timesheet Payroll and job costing
Free trial

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This payment gateway service also provides live technical and account support to merchant including online documentation.

Merchants can submit transactions to the payment gateway.
You can create and submit merchant-defined fields.
Handles all the steps in the secure transaction process.
Data are stored locally on secure merchant server.
Supports any card swipe device.

In a nutshell, Authorize.net offers solutions designed to help you grow your online business. It also offers a virtual terminal for offline card processing.

#5 Ichex

Review date: 03.02.2010

Description:

This web based automatic billing software enables you to set up companies and then take one time payments by credit card or check. The online identity verification software can authenticate a consumer’s identity in seconds.

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Price:

Free demo

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Software Summary:

The application can be utilized through their web based ACH payment processing software.

Main Features:

Perform online identity verification
Web based payment processing software
Accept checks by phone
E-mail payment receipts
Processing for all major credit cards

Review:

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Besides, you can track and report all types of electronic and ecommerce transactions.

Allows you to track all online check transactions.
Free virtual terminal reporting including custom processing solutions.
You can use the payment software virtual terminal in the office or securely from any place.
You can set up one or multiple users to do payment processing.

Optional additional services: you can add the ability to verify the existence of a valid checking account with funds while processing. In addition, the identity verification software screens name against Office of Foreign asset control list.