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Retail Merchant Accounts

Retailers rely on Paynet Systems for a variety of innovative, cost-effective electronic payment services. They offer several options that address the specific needs of retail businesses as they continue to grow into the future. Whether you are in need of advanced, user-friendly point-of-sale solutions or access to a variety of electronic payment services, Paynet Systems has a solution tailored for you.

Their retail services include access to all major credit cards and regional debit networks, cutting edge Check Guarantee Services with electronic deposit, and point-of-sale solutions that are priced not only to be competitive but also unbeatable!

That is why thousands of retail businesses choose Paynet Systems as their premier service provider every year.

Mail / Phone Order & Home Based Business

Credit Cards are no longer used only to pay for merchandise in face-to-face transactions. Payments for product and services are now commonly conducted over the phone or through the mail. These include consumer to business transactions, business-to-business transactions and Government issued cards that are used to pay for goods and services. It is important to note that fees will vary depending on your transaction type.

For these reasons, Paynet Systems prides itself on consumer education. To ensure that any potential surcharges in this category are minimized; let them guide you through the process. Whether you are in need of advanced, user-friendly payment solutions or access to a variety of electronic check services, Paynet Systems has a solution custom tailored for you.

Their Mail/Phone Order services include access to all major credit cards, risk management tools, and point-of sale solutions that are priced not only to be competitive but also unbeatable! That is why thousands of Mail/Phone Order businesses choose Paynet Systems as their premier service provider every year.

eCommerce & Internet Merchant Accounts

As the Internet continues to rapidly grow, many businesses are seeking solutions that will allow them to harness the power and opportunities the Internet has to offer. Because Paynet Systems utilizes the Internet to help reach and educate their customers, they can appreciate the desire to do so effectively and inexpensively. Recognizing the value of the Internet as a communication tool, Paynet Systems has strived to provide superior services that will continue to be on the cutting edge of Internet technology.

Whether you are in need of advanced, user-friendly secure payment solutions or access to a variety of electronic check services, Paynet Systems has a solution custom tailored for you.

That is why thousands of Internet businesses choose Paynet Systems as their premier service provider every year.

Their Internet services include access to all major credit cards, cutting edge Check Services with electronic deposit, shopping carts, and secure payment gateways that are priced not only to be competitive but also unbeatable!

Wireless Services for Merchants On-The-Go

As our society continues to demand conveniences, wireless technology is advancing in leaps and bounds. The payment industry is not the exception to this growing trend. Over the years, payment solutions have gone from credit cards being slammed against carbon receipts using the handy imprinter -to- terminals that operate independent of phone lines and power outlets. As businesses continue to see the value offered by these mobile point-of-sale devises, Paynet Systems continues to provide dependable and affordable solutions to their clients.

Whether you are in need of advanced, user-friendly mobile solutions or access to a variety of wireless networks, Paynet Systems has a solution custom tailored for you.

Their Mobile solutions include access to all major credit cards and regional Debit networks, several wireless carriers that ensure maximum coverage, and point-of sale solutions that are priced not only to be competitive but also unbeatable! That is why thousands of Mobile businesses choose Paynet Systems as their premier service provider every year.

Check Processing & Guarantee Solutions

• Bounced Check Collection Solutions. Never again worry or wait for your customer to make good on a bounced check again. Using state-of-the-art technology, they will retrieve your money electronically from the offender's checking account.For Free!!!
• The Retail Check Conversion & Guarantee. Why go to the bank to deposit checks? Why worry if your customer's check is good or not?
• With Electronic Check Conversion the paper check is turned into an electronic transaction and processed using your credit card machine. Once the check has been converted at the point-of-sale, it is then electronically deposited to your account. You than simply hand the check back to your customer. If this is not enough.they will also guarantee the full check amount!
• Internet/Phone/Mail Check Acceptance, You can now accept checks on your web site, over the phone and through the mail
• Recurring Checks, This check conversion process allows merchants to accept checks and process periodic debits without the check actually being present.

Debit Processing

Consumers themselves have created the growing demand for on-line debit cards, which directly access deposit accounts, by making them one of the fastest-growing payment types at the point of sale.

Sponsorship into every debit network is an added value that Paynet Systems and Concord can offer through Concord's wholly owned subsidiary EFS National Bank. The debit networks require that a member bank sponsor a retailer, which allows the retailer to accept each of the specific branded PIN-secured debit cards. As the sponsoring bank, Concord accepts certain obligations if the debit networks on the retailer's behalf.

Virtual Terminal / Online Terminal

Paynet Systems VPOS (Virtual Point-of Sale) Virtual Terminal (Online Terminal) lets you rapidly capture and authorize credit card transactions in real time, using any computer connected to the Internet, anywhere in the world, with no software to install! Their Online Terminal is ideal for any operator-assisted business where credit card payments are accepted. The Virtual Terminal can even be used by "bricks and mortar" establishments as a back up or replacement for traditional POS terminals.

Virtual Terminal / Online Terminal Configuration Options

• The Online Terminal can be fully customized to meet any business requirement. If you don't see what you need in their standard versions, contact them for customization options.
• Standard versions of the Virtual Terminal have already been created for a variety of business needs.

Virtual Terminal / Online Terminal Features

• Recurring Payments
• Address Verification Service (AVS)
• CVV2 support for additional fraud control
• Customer and Merchant email notifications
• Faster processing time then traditional POS terminals
• Detailed reporting capabilities

Virtual Terminal / Online Terminal Advanced Features

• Automatic item sub-total calculation
• Automatic shipping calculation
• Automatic tax calculation
• Item discount calculator
• Coupon/rebate calculator
• Billing and shipping data fields
• Credit card swipe card option

Virtual Terminal is perfect for:

• Any business that accepts credit card payments by phone, fax or email!
• Mail order businesses
• Call center operations
• Insurance companies
• Newspapers and magazines
• Charities
• Utility companies
• Service companies

Since the Online Terminal interface is connected to the Paynet Systems gateway service, it supports a wide variety of powerful features, including comprehensive transaction management and reporting features, to help you manage your business better.