Gateway Fee: $20.00. This is a recurring monthly access fee for the secure server, that allows the secure transaction to take place.

Merchant Accounts Fees: 2.25%, 29 cents per transaction and a $10.00 monthly Statement/Customer service fee.

AuthorizeNet is a powerful Internet based software tool that begins by simulating the behavior of a standard credit card authorization terminal in a secure, real-time environment. In addition, it includes a powerful set of automation and reporting capabilities that bring time and money savings to a merchant. With AuthorizeNet WEB Link a merchant is able to automatically accept, authorize and process credit cards and check orders directly from their WEB site. This product is used worldwide by merchants as the commerce tool of choice.

Features of Real Time Online Transactions

The Authorize.Net Virtual Terminal is a secure, browser-based interface that enables businesses to authorize, process and manage credit card transactions from any computer that has an Internet connection and a Web browser. Virtual Terminal replaces standard authorization terminals or software, and provides the best solution for merchants who manually enter credit card transactions for mail or phone order sales.

Virtual Terminal suits businesses of all sizes because it reduces the complexity and expense normally associated with authorizing and processing credit card transactions. It's also much faster than standard dial-up authorization systems.

Businesses with an Authorize.Net account simply access the Virtual Terminal through our Web site using any Web browser. After logging into their Authorize.Net account using a unique user ID and a password, merchants can access the complete range of Authorize.Net services -- authorizations for purchases, credits and returns, status and activity reports, and much more.

To authorize credit card transactions, the merchant completes an electronic form that provides the Authorize.Net system with the information it needs to complete the transaction. This information is encrypted using the latest 40 or 128-bit Secure Socket Layer (SSL) 3.0 technology and is sent to an Authorize.Net host server. The server then sends the data through the authorization network to the appropriate card issuer's bank using a secure, proprietary connection. When the process is complete -- this takes around three seconds -- the merchant receives an authorization number, and the Authorize.Net server stores the transaction. Transactions are automatically settled each day and are funded within two to three business days.

Merchants can also check the status of transactions and run a variety of reports right from the Authorize.Net On-line Interface.

Authorize.Net WebLink is a secure online payment-processing system that allows Internet-based businesses to authorize, process and manage credit card transactions directly from their Web site. There are no worries about the complicated software, hardware and expertise normally associated with enabling e-commerce.

WebLink works in one of two ways: It either captures the necessary customer information (name, credit card number, etc.) from a merchant's own secure transaction page, or it displays a customizable transaction page hosted on an Authorize.Net secure server, for the customer to fill out.

The customer's information is encrypted using 40- or 128-bit Secure Socket Layer technology and sent to an Authorize.Net transaction server. The server sends the data through the authorization network to the appropriate card issuer's bank, using a secure, proprietary connection. When the authorization process is complete -- this takes around five seconds -- the customer receives an approval or decline response and the Authorize.Net server stores the transaction. Transactions are automatically settled each day and are funded within two to three business days.

Merchants can check the status of transactions or run reports on past activity by going to the Authorize.Net Web site and logging on to their own password-protected Authorize.Net site. And online businesses can use the Authorize.Net Virtual Terminal to enter payment information manually if customers prefer to call in their credit card information.

Linking a merchant's Web site to the Authorize.Net WebLink system is simple. The merchant's Web site designer or developer simply inserts a few lines of HTML code (which we provide) onto the transaction page. Authorize.Net supports most available shopping cart software, so it integrates easily with most e-commerce solutions.

Below is an example of the basic code that must be implemented to link to WebLink:

ACH eCheck.Net Setup: Free

Discount Rate: 2.5% & .30 per transaction

eCheck.Net is a NETSolutions payment service that allows online and traditional merchants to accept and process electronic check payments -- either directly from their Web site's storefront or through the Authorize.Net Virtual Terminal.

eCheck.Net makes it easy for online businesses to add an electronic check payment option to their Web site. Customers who wish to pay for a purchase with an electronic check can simply select the electronic check option and enter the requested bank account information. eCheck.Net encrypts the data using the same SSL 3.0 encryption technology as Authorize.Net and transmits it to the secure server for posting. Transactions are automatically settled each day. Then, the system debits the consumer's account via the Automated Clearing House (ACH)* and transfers the funds to the merchant's account. If the account numbers are entered incorrectly or the account has insufficient funds, the eCheck.Net system notifies the merchant. Traditional merchants without commerce-enabled Web sites can also use eCheck.Net to handle periodic billings. Businesses such as health clubs, tanning salons, subscription services, ISPs, membership companies, and health care practitioners are typical examples of businesses that need the ability to periodically deduct funds from their customers' checking accounts. Of course, customer approval is always recommended, and merchants must sign a separate eCheck.Net ACH agreement to perform these types of transactions. It is possible to setup ACH eCheck without a merchant account if you just wish to accept checks. Call for the setup price for the check option.