X-Charge Integrated Transaction Processing

X-Charge™ delivers technology and security like no other while providing merchants with a fast and reliable payment-processing solution. X-Charge is integrated with point-of-sale (POS) software systems and business management applications such as Retail, Restaurant, Accounting, Practice Management, and many others. X-Charge offers money saving benefits and unique features to help you achieve a more professional image by streamlining your payment acceptance process.

X-Charge authorizes and executes electronic draft capture for all major credit and debit cards. MO/TO (Mail Order Telephone Order) applications are supported via the built-in AVS (Address Verification System) and CVV2 features that help reduce fraudulent charges. The AVS feature also provides the merchant with lower processing costs since all mandated card data is transmitted to the processing network.

Settlements are simplified through the X-Charge "time initiated" feature. X-Charge automatically settles an existing batch of transactions at a designated time of day or night without any user intervention.

X-Charge is fast! Electronic payments can be processed through the Internet, where approvals are achieved within a matter of two to three seconds. A traditional modem can be used as well.

X-Charge can be used by any type of business that accepts credit cards as a form of payment and employs a traditional bank terminal. This includes health clubs, dry cleaners, traditional retail stores, mail order houses, telephone order fulfillment centers, professional offices, and Internet businesses. These merchants will enjoy increased productivity and decreased costs associated with accepting credit card payments by applying X-Charge technology.

In addition to traditional payment processing services, X-Charge now offers X-Web. X-Web is a cost-effective, secure, and reliable gateway for processing credit card transactions, providing real-time authorizations combined with fraudprevention tools. X-Web is at the forefront of payment processing security, utilizing SmartDefenseTM technology from worldwide intelligent security solutions provider Check PointTM. This high-performance and fully PCIcompliant gateway also has advanced measures in place to protect sensitive data.

X-Charge also supports various check authorization platforms. Through the use of a standard drivers license, X-Charge allows the merchant to participate in Check Guarantee, Check Verification, and Check Recovery services. When accepting ATM debit cards, X-Charge supports the latest pin pads and electronic signature capture devices. Merchants can also utilize increasingly popular Customized Gift Cards.