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How It Works
Virtual Terminal
Integration Methods
Merchant Interface

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Merchant Account -- Online Payment Service Overview

An Integrated Payment Service (IPS) account allows you to accept and process payments online from purchasers who pay for goods and services using a credit card (VISA®, MasterCard®, American Express®, and Discover®), or an electronic check.

How it Works

How it works

  1. The Customer provides their payment information (Visa®, MasterCard®, American Express®, Discover® or eCheck.Net®) to the Merchant either through the Merchant's website or via phone, fax or mail.
     
  2. The Customer's order information is transmitted securely to the Authorize.Net Payment Gateway and the Wells Fargo Risk Assessor for authorization.
     
  3. The authorization (or decline) response is returned via the Authorize.Net Payment Gateway to the Merchant.
     
  4. Upon approval, the Merchant fills the customer's order.
     
  5. Authorize.Net sends the settlement request to Wells Fargo.
     
  6. Wells Fargo deposits settlement funds into the Merchant's account.

Your account includes all the functionality of the Authorize.Net Payment Gateway, including:

Virtual Terminal - a secure, web-based "card swipe" that enables you to manually submit customer and order information to authorize, process, and settle online payments via the Internet. This solution is ideal for merchants who manually enter transactions for mail or phone order sales.

Advanced Integration Method (AIM) or Simple Integration Method (SIM) - two connection method options for linking your web-based business to the Authorize.Net Payment Gateway; giving you the ability to accept and process online payments directly from your website.

The Upload Transaction File feature - allows you to upload a file containing multiple transactions to the Payment Gateway, providing a quick solution for high volume transaction processing.