Virtual Terminal Point-Of-Sale Check Processing American Payment E x change

What is the Virtual Terminal? The ECHO Virtual Terminal is a secure, browser-based interface that enables businesses to process credit card and electronic check transactions from any computer equipped with a Web browser and Internet access.

After you log-on click here to access the Virtual Terminal Set-up is easy

One-time Set-up For Your Imager Click the COM Port your reader is attached to...

The Transaction Menu 818> Check transaction menu – with POP and ARC at bottom. Credit card transactions – “grayed out” when you process checks only.

A Closer Look at the Menu Click the imager you are using. This begins your POP transaction.

You’re Ready to Roll! 818> ECHO/CUSTOMER

The Imager Awaits

Feed the Check to Begin

Y TR932024EE EHCO/CUSTOMER Check data is populated when you scan the check. * Fields are required Click submit to process {

Drivers License Reader in Action

P Y TR932024EE ECHO/CUSTOMER

Your Image Has Been Uploaded!

Receipt Ready to Print ECHO/CUSTOMER NAME CHECKSUM LANE CUCAMUNGA, CA XXXXXX65739 Have your customer sign here.

ECHO/CUSTOMER NAME CHECKSUM LANE CUCAMUNGA, CA XXXXXX Declined transaction notification

818> (818> ) Reporting – Transaction Review Search for your transactions by date range.

818> Summary information for the date range. Click a link to see detail. Verify that transactions have been processed to ECHO.

Viewing Transactions On the ACH System Select all deposits, all checks, or all rejects. … or search for specific checks using a variety of search criteria. … or choose from these options

(ECHO/CUSTOMER) 818> # # # # You can hold up to 7 days or void immediately. View of checks scheduled to be processed. User can click drop down to hold an item or to void it.

(ECHO/CUSTOMER) 818> # # # # US CA N Summary status when holds and voids have been made.

ACH Reporting -All Items View (ECHO/CUSTOMER) 818> # # # # # #234 US CA N

Check Image Repository } Click “Find Image” to search Search criteria fields.

Search Returns Five Items Click “Show” to view check image.

Image with key information.

Virtual Terminal Benefits Flexibility - Access the Virtual Terminal to make payments anywhere you use the Web…office, home, laptop, a client’s office, PDA, tradeshow, etc., using a special URL. Ease of Use - Check imagers connected to PC automatically populate data fields and upload check image. Security – State-of-the-art firewall, PIN protection for users, and SSL encryption for transactions.

Cost Savings No need to purchase expensive POS terminals No gateway fees No monthly minimum fees Ability to process electronic check transactions that will save on paper check processing costs and bank deposit fees Faster funds availability (2 – 3 business days) when processing checks through the Virtual Terminal vs. paper check processing Virtual Terminal Benefits – cont.

Full-featured Transaction Set Choose only the payment types you want to process through the Virtual Terminal. Credit, check verification and electronic check payment transactions available. Virtual Terminal Benefits – cont. 24-Hour Customer Support – Our team of customer support specialists are ready to assist you from implementation of the service and training to answering your questions Online, Real-time Reporting – Review summary information for the day, week or month, or view detailed, real-time, transaction information.

Payment Type Electronic Check Transactions Check Verification (DV) – merchant verifies check and processes paper Electronic Check Deposit with Verification (DD) – WEB, TEL, PPD, CCD Electronic Check Deposit, ACH Only (DH) Electronic Check Credit (DC) Point-of-Purchase (POP) Accounts Receivable Entry (ARC)

Virtual Terminal – POP in Review Point-Of-Purchase (POP) Transaction Customer is present Imager is connected to PC MICR field automatically populates when check is scanned (cannot be modified by merchant) Merchant inputs Amount Merchant swipes driver’s license, if imager with a card reader is used, or manually inputs DL info If approved, an authorization/receipt prints Customer signs “Merchant Copy” of receipt Merchant gives the “Customer Copy” of receipt to the customer Merchant stamps the check “void” and returns check to the customer Transaction is governed by Regulation E and NACHA

For Virtual Terminal Point-Of-Purchase Check Processing American Payment E X change "Providing consumers convenience and payment transfer solutions business leaders depend on is our business" Contact: 256 Garner Drive · Mabank Texas Phone ·