Internet Merchant Account
   
  Virtual terminal software performs two important functions.

First, it permits you to accept and process credit card payments in a real time
manner, right at your website. When your customer initiates a transaction, your
web site sends credit card information to an Internet Payment Gateway/Virtual Terminal. The gateway passes the information on to the credit card processing network and then forwards the approval back to the virtual terminal in real-time. When configured properly, the entire process takes just seconds to complete. Second, a virtual terminal can be used to perform all of the same functions of a physical credit card terminal. Through Internet access and a secure website, you'll be able to manually process credit card transactions from orders received offline, issue credits, void transactions, and view your online list of transactions, from
any computer in the world.

We work with the leading Internet gateway providers listed below.

If you have any questions or to apply for an Internet merchant account call us toll free at 1-877-351-6696, or apply online by filling out our free online application.
   
   
 
TotalPay Powered by Authorize.Net WebLink lets your Internet-based businesses authorize, process, and manage credit card transactions without the complicated software and hardware that is normally needed to process payments over the Web.
     
  If you process fewer than 1,000 credit card sales per month, Verisign Payflow Link is an ideal, easy to use Internet gateway that lets you complete secure automated transactions over the Internet.

If you need peak performance and
the ability to completely customize
Internet payment processing to your
web site, then Verisign
Payflow Pro is for you.
     
  PC Charge is an award-winning product that helps reduce fraud losses, saves the merchant time and money, and provides powerful features and performance at the point-of-sale. Whether you are a retail or direct marketing brick-and-mortar store, mail-order/ telephone order or e-store business, PC Charge Pro is a cost-effective solution that will work for you!
     
  Plug 'n Pay lets you easily set up virtually any web site to accept and verify credit card payments almost instantly.
   
 
American Express and Discover require separate approval.
Money Tree Merchant Services is a member service provider for HSBC Bank USA, National Association, Buffalo, NY
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