Virtual Terminal POP Check Processing American Payment Exchange

Virtual Terminal POP Check Processing American Payment Exchange

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

The Transaction Menu 818>32341188 Credit card transactions – “grayed out” when you process checks only. Check transaction menu – with POP and ARC at bottom.

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

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

You’re Ready to Roll! 818>32341188 ECHO/CUSTOMER

The Imager Awaits

Feed the Check to Begin

{ Check data is populated when you scan the check. 4321685093 0439201391 8439 Y 3293920 TR 932024 EE 92228 12. 00 * Fields are required EHCO/CUSTOMER Click submit to process

Drivers License Reader in Action

4321685093 0439201391 8439 Y 3293920 TR 932024 EE 92228 12. 00 ECHO/CUSTOMER P 320203

Your Image Has Been Uploaded!

Receipt Ready to Print ECHO/CUSTOMER NAME 23432 CHECKSUM LANE CUCAMUNGA, CA 90210 804 -867 -5309 804 -2341 483795632 XXXXXX 65739 Have your customer sign here.

ECHO/CUSTOMER NAME 23432 CHECKSUM LANE CUCAMUNGA, CA 90210 804 -867 -5309 804 -2341 Declined transaction notification 483795632 XXXXXX 65739 0933

Reporting – Transaction Review 818>3234118 Search for your transactions by date range. (818>3234118)

Click a link to see detail. Summary information for the date range. 818>3234118 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>3234118 View of checks scheduled to be processed. 0002 -422004 -15901 2309390940229850202 #234 6748 -936792 -10285 75929329044820394848 3029 -234930 -23904 5034202394802398493 #244 8402 -575920 -76920 75929329044820394848 4829 -420211 -42945 3854001393284738301 #942 57923 -42934 -23482 75929329044820394848 4829 -420211 -42945 7342023928840293114 #584 User can click drop down to hold an item or to void it. You can hold up to 7 days or void immediately.

(ECHO/CUSTOMER) 818>3234118 Summary status when holds and voids have been made. 0002 -422004 -15901 2309390940229850202 #234 6748 -936792 -10285 75929329044820394848 3029 -234930 -23904 5034202394802398493 #244 8402 -575920 -76920 75929329044820394848 4829 -420211 -42945 3854001393284738301 #942 57923 -42934 -23482 75929329044820394848 4829 -420211 -42945 7342023928840293114 #584 US CA N 34984020

ACH Reporting -All Items View (ECHO/CUSTOMER) 818>3234118 0002 -422004 -15901 2309390940229850202 #234 6748 -936792 -10285 75929329044820394848 3029 -234930 -23904 5034202394802398493 #244 8402 -575920 -76920 75929329044820394848 4829 -420211 -42945 3854001393284738301 #942 57923 -42934 -23482 7592932904482039484 #534 4829 -420211 -42945 7342023928840293114 #584 8402 -575920 -76920 75929329044820394848 #234 US CA N 34984020

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

Search Returns Five Items 34984020 09385929929 7592302 7293948029 Click “Show” to view check image. 54354342 4928540202 50248932 4720483931

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.

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

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 Contact: American Payment EXchange 256 Garner Drive · Mabank Texas 75156 Phone 903 -451 -9590 · Email info@americanpaymentexchange. com "Providing consumers convenience and payment transfer solutions business leaders depend on is our business"