Product Overview Authorize.NetTM fills your needs with a server-based transaction-processing system that enables businesses to authorize, process, and manage credit card and electronic check transactions in a real-time, online environment. Best of all, these transactions can be conducted from any computer with an Internet connection and a Web browser. Merchants simply send the information needed to process their transactions over a secure, encrypted Internet connection. Authorize.NetTM takes care of the rest on our sophisticated transaction processing system. That means businesses get all the advantages of fast, reliable commerce servers; powerful databases; and fast, secure, leased-line connections to financial institutions right from their Web browser. All without the hassle, complexity, and expense normally associated with processing and managing payment on the Internet. Authorize.NetTM offers tremendous benefits to traditional businesses, e-businesses, financial institutions, Internet service providers, Web developers, and others. This system is perfect for those companies interested in a secure, reliable payment authorization solution that doesn't require a huge investment in new hardware, software, or bandwidth. Virtual Terminal The Authorize.NetTM Virtual Terminal enables businesses with an Authorize.Net account to authorize, process, and manage credit card transactions from any computer with an Internet connection and a Web browser. Virtual Terminal replaces standard authorization terminals or software and provides the best solution for merchants who manually enter credit card transactions for mail or phone order sales. Virtual Terminal is the ideal solution for businesses of all sizes because it removes the complexity and expense normally associated with authorizing and processing credit card transactions, and it's much faster than standard dial-up authorization systems. Businesses with an Authorize.Net account simply access the Authorize.Net Virtual Terminal through our Web site using any industry standard Web browser. After logging on to the system using a unique user ID and password, merchants can access the complete range of Authorize.Net services. This includes authorizations for purchases, credits and returns, status and activity reports, and much more. To authorize credit card transactions, the merchant simply completes an electronic form that provides the Authorize.Net system with the information it needs to complete the transaction. This information is encrypted using the latest 40 or 128 bit Secure Socket Layer (SSL) 3.0 technology and sent to an Authorize.Net host server. The server then sends the data through the authorization network to the appropriate card issuer's bank over a secure, proprietary connection. When the process is complete -- this takes around five seconds -- the merchant receives an authorization number, and the Authorize.Net server stores the transaction. Transactions are automatically settled each day and funded within 2-3 days. Merchants can also check the status of transactions, automatically bill customers for recurring charges, or run a variety of reports right from the Authorize.Net Virtual Terminal. It's no surprise that Authorize.Net is the world's leading Internet-based payment authorization and transaction processing solution. Thousands of companies are currently using Authorize.Net to authorize, capture, and manage their credit card transactions.

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