Merchant Services

XCharge PC software delivers technology and security like no other while providing merchants with a fast and secure payment processing solution. XCharge offers money saving benefits and unique features to help you achieve a more professional image by streamlining your payment acceptance process. No more costly terminals needed. Process all payments on your PC.

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

XCharge 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 XCharge "time initiated" feature. XCharge automatically settles an existing batch of transactions at a designated time of day or night without any user intervention. XCharge is quick! 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.

In addition to providing merchants with the best processing platform available, XCharge helps merchants reduce the expense of accepting credit card payments by:

  • Transmitting all mandated information so the merchant receives the lowest possible discount rate.
  • Communication is facilitated through standard Internet connection or phone line for one or multiple stations. Automatic fault tolerance is achieved via dial-up line in the event the Internet connection is lost
  • Detailed reporting with user definable date ranges to match merchant statements for reduced reconciliation time
  • Built-in PCI fraud control keeps merchants safe and compliant with industry requirements

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Delivers Efficient Check Management Benefits to Your Business!
XCheck combines the best of ACH, Check21, and Check Verification services, providing a complete electronic-based check solution for your business. Whether you accept checks at the point-of-sale, via web, mail, or on a recurring basis, XCheck offers comprehensive features like these at an affordable rate:
Peace of Mind - XCheck verifies that checks you accept are not on a national database of accounts with a history of bad checks. We'll alert you of a problem so you can accept an alternate form of tender.
Simplified Accounting and Auto Deposit - We eliminate the need to tally up checks at the end of the day and the hassle of making daily deposits. XCheck automates this process and electronically deposits money in the merchant's bank account. Reporting, including scanned images of submitted checks, is available to the merchant at any time.
Easily Set Up Recurring Transactions - XCheck reduces your work load by accommodating ACH recurring transactions (PPD). Enter the customer's check information once and automate the process of deducting a present amount from a customer's bank account as often as predetermined

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  • Transmit 
  • Communicate 
  • Report

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  • Peace of mind
  • Auto Deposits
  • Easy Set Up

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Other Services

  • Gift Card Solutions
  • eCommerce Solutions
  • Mobile Solutions

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