Virtual Terminal

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 - 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.

A.) 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.

B. Retail and Mobile Merchants - Ready-to-go point-of-sale (POS) solutions include ourown 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. You 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 your online customers to choose installment payments from your custom payment form when you integrate your 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 you effectively manage your 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:

1. 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 .

2. 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.

3. 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.

4. 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.

5. 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.

6. 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.

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® 200 Pro or higher is required.