Virtual Terminal

MSC - Value Added Products!

The secure Virtual Terminal and Batch Upload features enable merchants to process credit card transactions manually.

Merchant Service Center merchants access the Virtual Terminal and Batch Upload features through the their account at www.merchantservicecenter.com. Transactions are immediately submitted for authorization and processing each day.

»Virtual Terminal - Virtual Terminal provides the best solution for merchants who manually enter credit card transactions for mail order/telephone order (MOTO) sales.

»Batch Upload - Submitting multiple transactions in a single file is an efficient way to upload credit card transaction data from enterprise applications or other file-based systems. Merchant Service Center's Virtual Gateway enables all types of merchants to accept secure and reliable credit card payments quickly and easily.

We offer flexible application programming interfaces (APIs) with no licensing or developing fees, and have numerous certified third-party options that offer quick and secure integration methods. Choose one of the three processes below to get started.

Do It Yourself

Merchants and developers with Web expertise and resources that are able to perform their own integration can find timesaving resources such as sample code, documentation, and everything else they need to get started once you activate your merchant account with Merchant Service Center.

Contract a Certified Developer

If your merchant needs the expertise and convenience of a Web developer to implement their payment gateway integration, we highly recommend they choose a Merchant Service Center Certified Developer. Our Certified Developers must meet rigorous integration standards and provide samples of successful integrations.

Select a Pre-Integrated Solution

Choosing a pre-integrated product is often the easiest and most practical integration method. There are several Merchant Service Center Virtual Gateway solutions that enable you to submit transactions right away, as well as hundreds of certified, third-party solutions. Our Certified Solutions meet the highest security and integration requirements.

»Web Merchants - Merchant Service Center Certified Shopping Carts automatically connect your Web site to Merchant Service Center's Virtual gateway, allowing you to accept payments immediately.

»Retail and Mobile Merchants - Ready-to-go point-of-sale (POS) solutions include our own Virtual Terminal as well as numerous third party card swipe terminals and software. A list of our partners Certified POS Solutions can be found in our Certified Solution Directory.

Recurring Billing

Merchant Service Center's Recurring Billing is a convenient and easy-to-use tool for submitting and managing recurring, utility, or subscription-based transactions. Your merchants can take advantage of Merchant Service Center's Recurring Billing flexible features to enhance customer service and build customer loyalty, while reducing authorization declines and overall administrative costs. Merchant Service Center's Recurring Billing provides multiple methods for creating subscriptions. Simply create a subscription in the Merchant Interface that includes the customer's payment information, a billing amount, and payment schedule. Or allow online customers to choose installment payments from your merchant's custom payment form when they integrate their Web site directly to Merchant Service Center's Recurring Billing application programming interface (API).

From that point Merchant Service Center's Recurring Billing application does the rest, generating subsequent transactions based on the schedule provided.

Improve Billing Efficiency

Once a subscription begins, no additional labor is required through the life of the subscription. Merchant Service Center's Recurring Billing application also includes the ability to customize trial periods and pricing.

Improve Security

Eliminates the need to store sensitive data on computer systems, reducing the risk of compromised customer information.

Enhance Loyalty

Merchant Service Center's Recurring Billing application allows you to provide customers with a flexible, no-hassle billing plan.

Reduce Costs

Merchant Service Center's Recurring Billing application eliminates many of the costs associated with manual billing, with no additional per-transaction fee. In addition, ARB helps your merchants effectively manage their subscriptions with e-mail notifications of upcoming credit card and/or subscription expirations

Security

Merchant Service Center is committed to safeguarding customer information and combating fraud. We have implemented industry leading security initiatives, and our merchants are protected by the strongest encryption methods and security protocols available. We continue to develop new solutions to provide our merchants and their customers with confidence and security.

• Protecting Transaction Data - Merchant Service Center uses the latest 128-bit Secure Sockets Layer (SSL) technology for secure Internet Protocol (IP) transactions.
• Securing Customer Data - We employ industry leading encryption hardware and software methods and security protocols to protect customer information. Merchant Service Center is certified as compliant with both the Payment Card Industry (PCI) Data Security Standard and the Cardholder Information Security Program (CISP).
• Preventing Fraud- Our Fraud Management Department is committed to providing merchants with tools and best practices to prevent fraud. Industry initiatives such as Address Verification Service (AVS) and Card Code Verification (CCV/CVV2/CID) provide a high level of protection as part of our standard payment gateway features. Our exclusive Real-Time Fraud Monitoring Suite (RFMS) helps Web merchants identify and evaluate suspicious transactions. Learn more about protecting your business from fraud in our Fraud Prevention Center.

Real-Time Fraud Monitoring Suite (RFMS)

The Real-Time Fraud Monitoring Suite (RFMS) page allows you to view the current configuration of each filter, and the number of transactions that have triggered the filters in the past 30 days.

Configurable Filters

• Amount Filter - This filter allows you to set lower and upper transaction amount thresholds. Transactions submitted for an amount less than the lower limit or greater than the upper limit will be processed according to the filter action you set .
• Velocity Filter - This filter allows you to limit the total number of transactions received per hour. Transactions received in excess of your established threshold will be processed according to the filter action you set.
• Suspicious Transaction Filter - This filter examines transactions based on proprietary transaction behavior analyzed by our Fraud Management team. Transactions that trigger this filter will be processed according to the filter action you set.
• Transaction IP Velocity Filter - This filter allows you to restrict the number of transactions received from the same Internet Protocol (IP) address per hour. Transactions received from the same IP address in excess of your established threshold will be processed according to the filter action you set.
• Authorized Gateway IP Addresses - If you submit transactions exclusively via MSCS, you may maintain a list of server IP addresses that are authorized to submit transactions. Any transactions received by your payment gateway account from an IP address NOT on the list are rejected.
• IP Address Blocking - This tool allows you to block transactions from specific IP addresses. Transactions received by your payment gateway account from an IP address listed are rejected.

Note: You will need to pass the Customer IP Address (x_customer_ip) in order to use the IP Administration tools. For more information, talk your Web developer or the person who performed your integration.

To view and edit settings for each filter, logon to https://www.merchantservicecenter.com and navigate to Settings>Gateway>Fraud Detection Tools. Select the account you wish to administrator then click on the hyperlinked filter name on the left side of the page.

To view the transactions that have triggered a specific filter in the past 30 days, click on the hyperlinked number that appears at the far right of the filter name. (You can also search transactions that have triggered RFMS filters using the Suspicious Transactions Search feature.)

How Does It Work?

STEP 1: Connect to the Virtual Terminal Interface through any web-based browser using the internet.

STEP 2: Complete the form that provides the system with the transaction information.

STEP 3: The information is then encrypted using the latest 128-bit Secure Socket Layer (SSL) technology and is sent to a host server.

STEP 4: The server then sends the data through the authorization network to the appropriate card issuer's bank using a secure, proprietary connection.

STEP 5: When the process is complete, the merchant will receive an authorization number, and the server stores the transaction. Transactions are automatically settled each day and are funded with in 24-48 hours.

Who Can Benefit?

• Internet based companies
• Mail Order/Telephone order companies
• Any merchant that has access to the internet

MSC Virtual Terminal Advantages

• Accept a variety of payments
• Multiple users can have access at the same time
• Fraud Prevention
• Secure
• Enhance Credibility
• Faster Authorizations
• Secure
• Merchant Service Center is CISP/PCI Certified
• It's FREE, to MSC Merchants!

Virtual Terminal and Reporting Software

Our software solution eliminates the need for expensive terminals, as the included virtual terminal can process transactions right from your computer. The Virtual Terminal supports all the common features of a standard terminal such as Sales, Returns, Voids and Ticket-Only. With the Virtual Terminal you don't need to worry about loosing transactions due to terminal failure, you don't even need to worry about batching out each night. All transactions are safely and securely stored on our state-of-the-art system.

Unlike similar software based terminals, our Virtual Terminal supports the use of magnetic card readers and receipt printers. This will allow you to swipe customer cards and print receipts, just as if you were using an actual terminal. With the included reporting software, you'll be able to run fast, up to the minute reports with little effort. Reports can easily be printed or exported to excel and pdf.

Tools such as the batch report, downgrade report, card search, fraud report and the unsettled transaction report where previously only available from our web site. Now you can have the power of these reports right from your computer. With our Software Solution, you'll never have to worry about out-dated software again. That's because each and every time you utilize our product, it will automatically update itself, ensuring that you always have the latest and greatest in credit card processing.

QuickBooks® Inegration

Our QuickBooks® solution brings together credit card processing and financial organization. It combines the power and convenience of our Virtual Terminal and Reporting software with the ease and usability of QuickBooks®. Every transaction ran with the Virtual Terminal is automatically saved into your QuickBooks® file, eliminating a time consuming data entry process. The included import tool will also allow you to save transactions into QuickBooks® from your other terminals as well. This will not only save you time, but it will also help keep you financially organized. As with the Virtual Terminal, our QuickBooks® Solution will automatically search and install critical updates, ensuring that you always have the latest and greatest in credit card processing. The QuickBooks® Solution as with the Virtual Terminal is provided to our customers FREE of charge* However, with the QuickBooks® solution, a licensed copy of QuickBooks® 2005 Pro or higher is required.

System Requirements

Microsoft Windows XP Home or Professional (Vista not supported at this time) Microsoft .Net Framework 2.0 (Will be installed if not detected on system) An available USB Port (only if using magnetic card reader) Internet Connection QuickBooks 2005 Pro or Later (only for QuickBooks® Solution)