Bank Associates Merchant Services

BAMS' E-Commerce Solutions

• Overview
• Authorize.Net
  
• USAePay
• E-Processing Network
  
• Vericheck
• E-Check
  
• Recurring Billing

Internet Gateways & Virtual Terminals

           

                                                   

Business on the Internet is booming and there is no better way to maximize your business' success than by offering customers the option to pay for your goods and services with the click of a mouse. Look at these amazing statistics:

• US online holiday retail sales will grow to over $39 billion in 2007, a 20% increase over 2006.
• Online sales are expected to climb 19.1% to $174.5 billion in 2007.

Our e-commerce solutions will give both you and your customers the security they require through the use of the most up-to-minute encryption technologies. The BAMS network is integrated with major processing platforms that will provide you with the fastest and most reliable credit card processing available.

Whether you are a brick and mortar store looking to expand your business online, or an existing e-commerce merchant looking for new processing solutions, BAMS will make the transition as seamless as possible.

1. A Website
2. A Payment Interface (Virtual Terminal or Web Storefront)
3. A Payment Gateway
4. A Merchant Account

Authorize.Net, USAePay and E-Processing Network are our preferred payment gateways. This choice of gateways enables us to ensure that you get the most customized e-commerce solution.

If you are an established e-commerce merchant, we can seamlessly convert you to a lower credit card processing rate without the need for reintegration of your website and shopping cart, regardless of which gateway you currently use. If you are a new e-commerce merchant, we will work with you to create the solution which will work best for your business and preferences. Contact one of our E-Commerce Account Specialists at newaccounts@bams.com or 866-510-2267, ext 8001 to learn more.

To find out more information about our preferred gateways, please click on the links below

Authorize.Net

An Authorize.Net® Payment Gateway account provides a secure bridge to
the credit card and electronic check processing networks.

Processing transactions reliably and securely is essential to your business. Authorize.Net, the leading Internet Protocol (IP) based payment gateway, provides solutions you can trust. More than 166,000 merchants depend on them to process their transactions, assist in the prevention of fraud, and help their businesses grow. They offer a wide range of services and tools to enhance your business and increase your revenues, regardless of your business model—Web, retail, mail order/telephone order (MOTO) or mobile.

Industry-leading Security

With Authorize.Net, your customers can be confident their data is secure. Sensitive customer information is protected by using the highest levels of encryption and security protocols.

+ Authorize.Net uses industry standard 128-bit Secure Sockets Layer (SSL)
technology to secure your IP transactions.

+ Authorize.Net is independently validated as compliant with the Payment
Card Industry (PCI) Data Security Standard—a strict industry-wide standard
designed to protect sensitive information.

Stable and Reliable

A payments leader since 1996, Authorize.Net has processed more than one billion transactions. The Authorize.Net Payment Gateway is available 24/7, 365 days a year. Their secure, fully redundant data centers provide continuous connectivity to the Internet, so you are always able to process transactions.





A Choice of Connection Methods

Authorize.Net offers flexible application programming interfaces (APIs) with no licensing or developing fees, and has numerous certified third-party options that offer quick and secure integration methods. Below are the 3 connection methods offered:

1. Do It Yourself
Their easy-to-implement "Simple Checkout" helps you create "Buy Now" and "Donate" buttons for your Web site, even if you have minimal technical expertise. Simple Checkout is a perfect solution for organizations that rely on donations and specialty merchants that typically sell one item (in any quantity) per order.

2. Contract a Certified Developer
If you need the expertise and convenience of a Web developer to implement your payment gateway integration, it is recommended that you use an Authorize.Net Certified Developer. Their Certified Developers must meet rigorous integration standards and provide samples of successful integrations.

3. Select a Pre-Integrated Solution
Choosing a pre-integrated product is often the easiest and most practical integration method. There are several Authorize.Net solutions that enable you to submit transactions right away, as well as hundreds of certified, third-party solutions. Authorize.net's Certified Solutions meet the highest security and integration requirements, including their preferred Advanced Integration Method (AIM).

• Web Merchants - Authorize.Net Certified Shopping Carts automatically connect your Web site to the payment gateway, allowing you to accept payments immediately.
• Retail and Mobile Merchants - Ready-to-go point-of-sale (POS) solutions include our own Virtual Point of Sale as well as numerous third party card swipe terminals, software, self-service kiosks, and mobile devices. The following links contain a list of the POS Solutions and mobile devices that BAMS offers.
  
• Mail Order / Telephone Order (MOTO) Merchants - Authorize.Net Payment Gateway accounts come standard with browser-based Virtual Terminal and Batch Upload capabilities for submitting transactions any time. To process payments, you simply log into the Merchant Interface.

Fraud Prevention

Fraud costs merchants billions of dollars each year. Authorize.Net offers a variety of features to help protect your business. In fact, other payment gateways charge additional fees for features that are included for free with each Authorize.Net payment gateway account.

+ Address Verification Service (AVS) and Card Code Verification (CCV) provide a high level of protection as part of their standard payment gateway features.

+ Authorize.Net's Fraud Management Department is dedicated to educating you on how to use security features, as well as helping you detect and prevent suspicious transactions.

Reports and Settings

Manage your payment gateway account through Authorize.Net's Merchant Interface, a password-protected Web site that offers a wide range of features:

+ Monitor and review transactions.
+ Manually submit transactions via the Virtual Terminal and Batch Upload features.
+ Configure account and transaction settings.
+ View account billing statements and reports.
+ Download transaction data for integration with third-party software systems.
+ Create and manage individual payment gateway user accounts for your employees.

USAePay

Lower your costs, reduce chargebacks, and eliminate fraud liability.

Don’t just authorize – Authenticate!

Have you ever filled an order where the cardholder denies making the purchase? If you sell over the Internet, or plan to, you probably know that chargebacks are costly – lost products, shipping costs and high chargeback fees can put a real dent in your bottom line. USAePay can help!

USAePay has selected a solution now available to you that will reduce this form of fraud – Cardinal Centinel Authenticated Payments. Finally, there is a way for you to get similar protection that “brick and mortar” retailers enjoy when cardholders sign their purchase receipts.

For the first time, Authenticated Payments allow you, as an Internet merchant, to take advantage of Card Association initiatives such as Verified by Visa and MasterCard® SecureCodeTM. These programs allow you to authenticate a Visa® or MasterCard cardholder’s identity while shopping on your website. It makes Internet Visa transactions nearly as safe as card-present transactions.

When shoppers enter a Visa or MasterCard card number on your Web site, they are prompted to enter the password they have established with their issuing bank. With Authenticated Payments, the liability for the “I didn’t do it” chargebacks shifts from you, the Internet merchant, to the cardholder’s issuing bank! No more lost product, no more chargeback fees! You have already made the sale. Now make sure you get paid for it.

What can USAePay do for you?

USAePay offers a unique solution for those merchants wishing to participate in the Verified by Visa and MasterCard SecureCode programs. The solution works without the hassle and expense of multiple software implementations.

A merchant can choose to access the solution in two different ways. The first option is a Thin Client, which is integrated into your e-commerce site. The second option is EasyConnect, which communicates with the authentication service via https.

Regardless of which option you choose, the process works the same way. Either of these approaches will virtually eliminate the need for any ongoing systems changes.

As Visa, MasterCard and the other payment networks enhance their programs, your Thin Client or EasyConnect services will be updated automatically on a centralized authentication server, without any additional implementation efforts or expenses.

Vericheck enables e-commerce retailers who utilize USAePay as their payment gateway to safely accept checks from customers originating from anywhere in the United States with the confidence that the VeriCheck guarantee brings.




Benefits
· Eliminate fraud liability
· Simple and low cost approach to implementation
· Virtually eliminate "I didn't do it" transactions

Features
· Certified compliant to Visa specifications
· Certified compliant to MasterCard specifications
· Support for future payment initiatives already built in
· Validation of digital signature as required by Visa
· Generation of transaction logs for reporting/disputes
· Web-based registration
· Web-based reporting


eProcessing Network

eProcessingNetwork enables merchants to accept all major credit cards on a secure, real-time basis from their Web site, through Mobile devices, and directly from their place of business.

The latest, most sophisticated digital data encryption is used to transmit information. Direct communication lines are used to obtain real-time authorizations, ensuring the accuracy and validity of each transaction. Merchants get the added convenience of having funds deposited directly to their bank account.

How It Works

1. The merchant's transaction requests are submitted to the eProcessingNetwork Payment Gateway, which then passes the requests to each cardholder's issuing bank via BAMS.

2. Issuing Banks respond to requests based on the status of each cardholder's account. The eProcessingNetwork Payment Gateway returns the response back to the merchant and stores the transaction. The whole process takes seconds!

3. The eProcessingNetwork Payment Gateway periodically transmits approved transactions to BAMS.

4. BAMS funds the transactions to each merchant's own checking account.