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Everpay ’s MyMerchantterminal Payment Platform is by far the most advanced real-time, web-based platform for processing electronic payments available today. With its easy-of-use, yet powerful user interface, MyMerchantterminal Virtual Terminal enables merchants to schedule a single transaction or a series of recurring transactions with a few simple keystrokes. MyMerchantterminal Virtual Terminal supports the processing of credit card, debit card and electronic check (ACH/ATM) transactions. These transactions can be processed in real-time or can be scheduled to occur at a future date designated by the user. MyMerchantterminal Virtual Terminal’s powerful re-presentment options can be configured to re-attempt or even use a secondary payment method to collect items that are returned unpaid.

Real-Time Credit/Debit Card and Electronic Check Processing

• Support for all major credit cards
• Check verification and conversion
• Powerful recurring transaction features
• State-of-the-art re-presentment functions
• Multiple merchant processing account support
• Comprehensive security and reporting features

The Premier Browser-Based Payment Processing Solution

MyMerchantterminal Virtual Terminal supports a wide variety of point-of-sale hardware including check readers, check imagers, credit card readers, and receipt printers. Using these devices can help eliminate typographical errors and also qualify for the best possible transaction processing rates.

MyMerchantterminal Virtual Terminal has also been engineered with many time-saving features and automatic validation features to increase accuracy and maximize productivity. Credit card account number and check ABA number validation occurs at time of data entry to minimize time wasted on handling administrative returns. MyMerchantterminal Virtual Terminal also features extensive default settings that can be used to minimize keystrokes and erors by automatically filling data entry screens with the most common transactional information.

Each MyMerchantterminal Virtual Terminal account comes standard with a system administrator account. With this account, the merchants are able to set up a virtually unlimited number of additional users, each with their own set of security, access, and transaction processing limit settings. Users can log in to the system from multiple locations worldwide, or they can be locked down to a single location through the use of IP limiting.

MyMerchantterminal Virtual Terminal includes a complete suite of reports to help track receivables, better manage resources and maximize cash flow. Report data is automatically updated in real time and all data is encrypted and stored at Everpay ’s data center. Reports can be exported to PDF, Word, Excel, CSV, and a variety of other formats.

Whether your business is retail, wholesale, telephone order, mail order, Internet, or service industry based, MyMerchantterminal Virtual Terminal is the perfect choice to handle all of your financial transaction processing needs.\

Features and Capabilities

For every payment application, from single-station point-of-sale to busy eCommerce sites and multi-site, multi-lane retail systems, Mymerchantterminal has the features you need for fast, secure payment processing with the lowest transaction costs.

Support for all Major Electronic Payment Type

Mymerchantterminal seamlessly handles all electronic tender types including:

• All Major Credit Cards (Visa, MasterCard, American Express, Discover, etc.)
• Pin-based Debit, Electronic Benefits (EBT) and Flexible Spending (FSA)
• Gift/Stored Value and Private Label Cards
• Electronic Check Conversion (ACH)
• Alternative Payments, such as Bill Me Later®

In addition, Mymerchantterminal supports many advanced industry specific configurations for Retail, Restaurant, Lodging, Mail Order, eCcommerce, Healthcare, Automated Fueling and more...

Extensive Processor Certifications

Mymerchantterminal processing engine is certified with all major payment processing organizations including TSYS, First Data, Global Payments, Fifth Third Bank, Paymentech and many more.

With Mymerchantterminal you can connect to multiple processors at the same time, or switch processors any time, giving you the flexibility you need for obtaining the most competitive interchange rates.

Modern Security Features

Mymerchantterminal has comprehensive security features to ensure the safety of sensitive data:

• Validated to meet or exceed PCI/PA-DSS requirements
• Uses high-security cryptographic algorithms including the industry standard, AES
• Encrypts communications using proven SSLv3 and TLSv1 protocols
• Supports SSL client-certificate verification
• Provides multi-user password authentication with fine-grained permission settings

Secure Recurring Billing/Card-on-File System

The Data Security Shield (DSS) storage system offers secure card storage and safe card number replacement tokens for easy, PCI-compliant card-on-file applications.

• Pseudo card numbers ("tokens") take the place of sensitive data
• Keeps card numbers securely encrypted so stored data is never exposed
• Configurable to perform recurring or installment payments automatically or on demand
• Customizable billing cycles and intervals

Fraud Protection

MyMerchantterminal supports industry standard fraud verifications to combat fraud and reduce chargebacks.

• Address Verification System (AVS)
• Card Verification (CVV2/CVC2/CID) across all supporting card brands
• Support for Verified By Visa and Mastercard SecureCode
• Electronic Check Verification
• New receipt masking/truncating requirements support
• Email, Fax and Instant SMS Receipts

Supported Electronic Check Types

• PPD (Business to Consumer)
• CCD (Business to Business)
• WEB (Web Initiated)
• TEL (Telephone Initiated)
• POP (Point of Presentment – POS)
• ARC (Account Receivable – Lockbox)
• RCK (Returned Check – NSF Check)
• ACH
• Check21
• Check Guarantee
• Check Conversion

Supported Cards Types

• Visa
• MasterCard
• American Express
• Discover
• Diner’s Club
• JCB
• Fleet
• Debit
• Interact

Certified with All Major Processors