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Virtual Terminal POP Check Processing

Process credit card & electronic check transactions securely online. Accessible from any computer with internet. Real-time reporting & 24/7 customer support. Save costs & time.

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Virtual Terminal POP Check Processing

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  1. Virtual Terminal POP Check Processing American PaymentExchange

  2. What is the Virtual Terminal? The ECHOVirtual 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.

  3. After you log-on click here to access the Virtual Terminal

  4. 818>32341188 The Transaction Menu Credit card transactions – “grayed out” when you process checks only. Check transaction menu – with POP and ARC at bottom.

  5. A Closer Look at the Menu Click the imager you are using. This begins your POP transaction.

  6. One-time Set-up For Your Imager Click the COM Port your reader is attached to . . .

  7. 818>32341188 ECHO/CUSTOMER You’re Ready to Roll!

  8. The Imager Awaits

  9. Feed the Check to Begin

  10. 4321685093 0439201391 8439 Y3293920TR932024EE92228 12.00 EHCO/CUSTOMER { * Fields are required Check data is populated when you scan the check. Click submit to process

  11. Drivers License Reader in Action

  12. 4321685093 0439201391 8439 Y3293920TR932024EE92228 12.00 ECHO/CUSTOMER P320203

  13. Your Image Has Been Uploaded!

  14. ECHO/CUSTOMER NAME 23432 CHECKSUM LANE CUCAMUNGA, CA 90210 804-867-5309 804-234-2341 483795632 XXXXXX65739 Receipt Ready to Print Have your customer sign here.

  15. ECHO/CUSTOMER NAME 23432 CHECKSUM LANE CUCAMUNGA, CA 90210 804-867-5309 804-234-2341 483795632 XXXXXX65739 0933 Declined transaction notification

  16. 818>3234118 (818>3234118) Reporting – Transaction Review Search for your transactions by date range.

  17. 818>3234118 Click a link to see detail. Verify that transactions have been processed to ECHO. Summary information for the date range.

  18. 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

  19. (ECHO/CUSTOMER) 818>3234118 0002-422004-15901 4829-420211-42945 3029-234930-23904 4829-420211-42945 2309390940229850202 #234 5034202394802398493 #244 3854001393284738301 #942 7342023928840293114 #584 57923-42934-23482 8402-575920-76920 6748-936792-10285 75929329044820394848 75929329044820394848 75929329044820394848 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.

  20. (ECHO/CUSTOMER) 818>3234118 0002-422004-15901 3029-234930-23904 4829-420211-42945 4829-420211-42945 3854001393284738301 #942 7342023928840293114 #584 2309390940229850202 #234 5034202394802398493 #244 6748-936792-10285 8402-575920-76920 57923-42934-23482 75929329044820394848 75929329044820394848 75929329044820394848 US CA N34984020 Summary status when holds and voids have been made.

  21. 4829-420211-42945 (ECHO/CUSTOMER) 818>3234118 3029-234930-23904 0002-422004-15901 4829-420211-42945 3854001393284738301 #942 2309390940229850202 #234 5034202394802398493 #244 7342023928840293114 #584 8402-575920-76920 8402-575920-76920 6748-936792-10285 57923-42934-23482 7592932904482039484 #534 75929329044820394848 75929329044820394848 #234 75929329044820394848 US CA N34984020 ACH Reporting -All Items View

  22. Check Image Repository } Search criteria fields. Click “Find Image” to search

  23. 34984020 09385929929 7592302 7293948029 54354342 4928540202 50248932 4720483931 Search Returns Five Items Click “Show” to view check image.

  24. Image with key information.

  25. Virtual Terminal Benefits • Flexibility - Access the Virtual Terminal to make payments anywhere you use the Web…office, home, laptop, a client’s 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.

  26. 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

  27. 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.

  28. 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)

  29. 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 driver’s 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

  30. For Virtual Terminal Point-Of-Purchase Check Processing Contact: American PaymentEXchange 256Garner Drive·Mabank Texas 75156 Phone 903-451-9590·Email info@americanpaymentexchange.com "Providing consumers convenience and payment transfer solutions business leaders depend on is our business"

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