Many large and medium-size businesses want to own and manage their payment processing server technology. They have a "make or buy" decision when reviewing their options.

The SmartPayments™ Server was designed to meet the needs of these businesses by providing a low-cost, highly scalable, multi-threaded payment processing solution.

With the SmartPayments Server and the Internet/Intranet, businesses can quickly and easily set up accounts, process, review, update and settle ePayment transactions from any where in the world, simply by using a browser.

Businesses can purchase a license to the software directly, thus fixing their cost and eliminating on-going transaction fees by using a gateway.

Use SmartPayments Server Software to centralize payments across the enterprise with speed, scalability, reliability and security at dramatically lower costs.

• Retail
• Restaurants
• Direct Marketing (MOTO)
• Bill Payment
• e-commerce
• Petroleum
• Home-based businesses

• Credit Cards
• PIN-based Debit Cards
• PIN-less Debit Cards
• EBT
• Gift/Loyalty
• Check Verification & Conversion
• ACH

• Recurring Billing
• Signature, Receipt Capture and Retrieval
• Check Image Capture & Retrieval
• Shopping Cart Interface

• Increased Sales — Enable cash-restricted customers to make purchases
• Increased Transaction Speed — 2 to 5 seconds vs 15 to 30 seconds for dial-up terminals
• Low Startup Costs — Small merchants need only a standard web browser
• Mobile Merchant Flexibility — Leverage existing mobile phones
• Simplified Billing — Integrates into your CRM and accounting system
• Powerful — Browser-based tools allow merchants to manage accounts anywhere, anytime

• Small merchants need only a standard web browser, there is no need to purchase additional software or hardware
• Eliminates costly phone lines and proprietary hardware terminals
• Works with both retail POS and Internet shopping carts, eliminates the need for a separate merchant account with a separate service provider
• Lower transaction fee when processing card-present or PIN-based transactions
• Eliminates gateway fee when running the server in house.

• Eliminates phone lines and power outlets
• Speeds up the authorization process
• Reduces transaction cost with card-present transactions
• Leverages existing mobile phones
• Easy-to-deploy feature-rich client applications are hardware and platform independent
• Browser-based virtual terminal allows merchants to process payments from anywhere, anytime.

• Image/receipt capture and retrieval for chargeback protection
• Eliminates redundant data entry
• Eliminates redundant phone lines
• Supports all major credit cards, PIN-based debit cards, gift/loyalty cards, checks, ACH and EBT/food stamps.

• Automatic daily batch settlement with email notification
• Online and real-time reporting
• Sets up recurring billing contracts that will automatically invoice and process payments for customers
• Web service and SDK integration
• Delimited data export.

• Reduce the amount of cash the staff handles
• Lower risk of charge backs from customer-disputed transactions using digitized receipt or check images
• Provides AVS address verification and CVV verification to fight online fraud
• Velocity checks for suspicious refund or sales transactions
• Built-in alerts and a packet filtering system, when enabled, allow you to grant or deny access to any hosts or subnet for added security