Virtual Terminal Point-Of-Sale Check

Processing

Virtual Terminal Point-Of-Sale Check

Processing

American Payment Exchange

What is the Virtual Terminal?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

After you log-on click here to access the Virtual Terminal

Set-up is easySet-up is easy

One-time Set-up For Your ImagerOne-time Set-up For Your Imager

Click the COM Port your reader is attached to . . .

Click the COM Port your reader is attached to . . .

The Transaction MenuThe Transaction Menu

818>32341188

Check transaction menu – with POP and ARC at bottom.

Check transaction menu – with POP and ARC at bottom.

Credit card transactions – “grayed out” when you process checks only.

Credit card transactions – “grayed out” when you process checks only.

A Closer Look at the MenuA Closer Look at the Menu

Click the imager you are using. This begins your POP transaction.

Click the imager you are using. This begins your POP transaction.

You’re Ready to Roll!You’re Ready to Roll!

818>32341188

ECHO/CUSTOMER

The Imager AwaitsThe Imager Awaits

Feed the Check to BeginFeed the Check to Begin

4321685093

0439201391

8439

Y3293920TR932024EE92228

12.00

EHCO/CUSTOMER

Check data is populated when you scan the check.

Check data is populated when you scan the check.

* Fields are required

* Fields are required

Click submit to process

Click submit to process

{

Drivers License Reader in ActionDrivers License Reader in Action

P320203

4321685093

0439201391

8439

Y3293920TR932024EE92228

12.00

ECHO/CUSTOMER

Your Image Has Been Uploaded!Your Image Has Been Uploaded!

Receipt Ready to PrintReceipt Ready to Print

ECHO/CUSTOMER NAME

23432 CHECKSUM LANE

CUCAMUNGA, CA 90210

804-867-5309

804-234-2341

483795632XXXXXX65739

Have your customer sign here.

Have your customer sign here.

ECHO/CUSTOMER NAME

23432 CHECKSUM LANE

CUCAMUNGA, CA 90210

804-867-5309

804-234-2341

483795632XXXXXX65739

0933

Declined transaction notification

Declined transaction notification

818>3234118

(818>3234118)

Reporting – Transaction ReviewReporting – Transaction Review

Search for your transactions by date range.

Search for your transactions by date range.

818>3234118

Summary information for the date range.

Summary information for the date range.

Click a link to see detail.

Click a link to see detail.

Verify that transactions have been processed to ECHO.

Verify that transactions have been processed to ECHO.

Viewing Transactions On the ACH System

Viewing Transactions On the ACH System

Select all deposits, all checks, or all rejects.

Select all deposits, all checks, or all rejects. … or search for

specific checks using a variety of search criteria.

… or search for specific checks using a variety of search criteria.

… or choose from these options

… or choose from these options

(ECHO/CUSTOMER) 818>3234118

0002-422004-159012309390940229850202 #234

3029-234930-239045034202394802398493 #244

4829-420211-429453854001393284738301 #942

4829-420211-429457342023928840293114 #584

57923-42934-2348275929329044820394848

8402-575920-7692075929329044820394848

6748-936792-1028575929329044820394848

You can hold up to 7 days or void immediately.You can hold up to 7 days or void immediately.

View of checks scheduled to be processed.

View of checks scheduled to be processed.

User can click drop down to hold an item or to void it.

User can click drop down to hold an item or to void it.

(ECHO/CUSTOMER) 818>3234118

0002-422004-159012309390940229850202 #2346748-936792-10285759293290448203948483029-234930-239045034202394802398493 #2448402-575920-76920759293290448203948484829-420211-429453854001393284738301 #942

4829-420211-429457342023928840293114 #584

57923-42934-2348275929329044820394848

US CA N34984020

Summary status when holds and voids have been made.

Summary status when holds and voids have been made.

ACH Reporting -All Items ViewACH Reporting -All Items View

(ECHO/CUSTOMER) 818>3234118

0002-422004-159012309390940229850202 #2346748-936792-10285759293290448203948483029-234930-239045034202394802398493 #2448402-575920-76920759293290448203948484829-420211-429453854001393284738301 #942

4829-420211-429457342023928840293114 #584

57923-42934-234827592932904482039484 #534

8402-575920-7692075929329044820394848 #234 US CA N34984020

Check Image RepositoryCheck Image Repository

}Click “Find Image” to search

Click “Find Image” to search

Search criteria fields.

Search criteria fields.

Search Returns Five Items Search Returns Five Items

3498402009385929929

75923027293948029

543543424928540202

502489324720483931

Click “Show” to view check image.

Click “Show” to view check image.

Image with key information.

Image with key information.

Virtual Terminal BenefitsVirtual 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.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.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 24-7-365.

• Online, Real-time Reporting – Review summary information for the day, week or month, or view detailed, real-time, transaction information.

Payment Type Payment Type

• Electronic Check TransactionsCheck 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 ReviewVirtual 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

For Virtual Terminal Point-Of-Purchase Check

Processing

American PaymentAmerican Payment EEXXchangechange American PaymentAmerican Payment EEXXchangechange

"Providing consumers convenience and payment transfer solutions business leaders depend on is our business"

Contact:Contact:

256 Garner Drive · Mabank Texas 75156

Phone 903-451-9590 · Email info@americanpaymentexchange.com