PayWay Recurring Billing and Customer Vault. It is recommended that you update the password routinely. Virtual terminal: 3. mail order and telephone orders. SAQ A-EP (193 questions)Virtual Payment Terminal . How it works. The Company Details page allows you to set your company's contact details and logo. The card has not been reported lost or stolen (although it may in fact be lost, stolen or compromised [card details improperly obtained or copied] and the card owner is unaware) There are sufficient funds available to cover the transaction. Name of reference number you collect (e. As a business, accepting Google Pay makes it easy for your customers to make purchases using Google Chrome and compatible Android devices. These are shown on receipts and other documents produced by PayWay. If you already have a merchant account but need a gateway, we are merchant agnostic and will work with your current merchant. For regular payments like subscriptions, memberships and donations: Credit card or bank account details are stored in the PayWay customer vault along with a schedule of. 30am to 5. Virtual Terminal vs. This information is technical, you may need to contact your IT provider. Automatic payment collection from your customer's credit card or bank accountIf you are using the PayWay REST API or classic API and your payment website is generally available on the Internet you must: send the customer IP address to PayWay; add a captcha or other fraud protection mechanism; You can also: Validate the payment reference number has an outstanding balance; Set a minimum payment amount; Use 3D. Ready to accept payments anywhere, anytime? Learn more about PayPal Virtual Terminal and the fees involved. . PayWay calculates the surcharge. Before acting on the advice, consider its appropriateness. This feature validates the customer’s account without performing an AUTHORIZE or SALE for a non-zero amount. EMV 3D Secure is a globally accepted authentication solution designed to make eCommerce payment processing more secure in real-time by providing an additional layer of security. Tap & Pay lets you make payments by tapping your compatible Samsung phone to a contactless terminal. g. Accept manual orders quickly and securely with our Virtual Terminal. The simple and secure online solution enabling your business to collect and manage payments. Then typing the python command: python. The Company Details page allows you to set your company's contact details and logo. To unsplit: ctrl a then Q (uppercase 'q'). George IPG file specification Customer files Recurring billing and customer vault once-off upload Open virtual accounts Order payment cards Receipts and export filesThe Newland N910 smart terminal is the next generation of payment technology. One of them is your credit/debit card number, which as an owner of the card only you should know, and another is a short. Call Sales at 1-877-843-5690 or . The card has not been reported lost or stolen (although it may in fact be lost, stolen or compromised [card details improperly obtained or copied] and the card owner is unaware) There are sufficient funds available to. Select the Version 3. These are shown on receipts and other documents produced by PayWay. PayWay is a simple, secure, internet-based solution to collect and manage customer payments. On this line, replace the word “ nomodeset ”. invoice number, policy number). This makes it ideal for processing individual card payments received by phone or mail. Virtual Terminal lets you accept debit and credit card payments by phone, mail, or in-person. About PayWay Payment Cards. It connects with your phone or. With PayWay Virtual Terminal your staff can quickly and easily process credit card payments. ® Registered to BPAY Pty Ltd ABN 69 079 137 518. Besides using PayWay Virtual Terminal, you do not receive or transmit cardholder data electronically. The Surcharges page allows you to set the surcharge rate for transactions made through the Recurring Billing and Customer Vault, Virtual Terminal, Phone and Net modules in PayWay. Virtual Terminal is available to merchants through the PayPal Manager on any computer with an internet connection and a web. PayWay Match. To instruct your customers how to pay using the PayWay 1300 number include: The PayWay phone number (1300 885 175) and a statement that credit card payments can be made by phone. By using a digital wallet, consumers can make safe transactions without using cash. Virtual Terminal. It can be accessed through a web browser on your. And, it helps merchants save money without the. This is the easiest level of compliance. On a Virtual Terminal, you enter the card information much like anyone would who is buying from a website, without the need for a physical EFTPOS terminal. SWIFT Statement Service. 2. Why we like it: Loyverse offers free POS software with several features well suited to businesses in retail or food and drink industries. When a customer pays you by direct credit, PayWay matches the payment to the customer. For ad-hoc transactions it is recommended that the customer use the virtual terminal facility that is available through the PayWay customer web interface. Each line in the file represents one row of data. The developer portal provides quick access to developer resources for payment integration and a developer sandbox to test and debug sample transactions before moving to production. More details. Use our virtual terminal to process credit card and debit card payments for offline sales. The Surcharges page allows you to set the surcharge rate for transactions made through the Recurring Billing and Customer Vault, Virtual Terminal, Phone and Net modules in PayWay. Revisions may be issued from time to time that encompass changes or additions to this module. George IPG file specification Customer files Recurring billing and customer vault once-off upload Open virtual accounts Order payment cards Receipts and export filesThis page describes PayWay Batch. Manage different types of payments, including in-store orders, mail orders or invoices. Get easy-to-use tools for managing your ongoing billing needs. Step 1: Pre-Authentication. An interchange fee is a payment processing fee determined by the card network (Visa, Mastercard, Discover, etc. There are no additional PayWay fees for this module. About PayWay Payment Cards. 1. 833-522-0568 . As a user of PayWay Match, please check that the correct BSB 037-889 is used when issuing invoices to your customers. 12 months no monthly fees ^. 30pm (AEST), Monday to Friday or email [email protected] ad-hoc transactions it is recommended that the customer use the virtual terminal facility that is available through the PayWay customer web interface. PayWay is a PCI-DSS level 1 compliant solution. Once the payment is accepted, your website receives notification of the payment. Online Payment Processing . PayWay file formats Payment files Customer Vault payment file Cardlink file format specification Batch Advantage Upload MTS file format specification St. 30am to 5. The Surcharges page allows you to set the surcharge rate for transactions made through the Recurring Billing and Customer Vault, Virtual Terminal, Phone and Net modules in PayWay. These are shown on receipts and other documents produced by PayWay. George Technical Support Helpdesk team on 1300 395 501 between 8. Learn More. The Payway team built its user-friendly payment gateway solution to be responsive to the needs of merchants who operate a recurring payment business model, like the many publishing companies we have served since 1984. The PayWay solution allows customers to process credit cards using an Application Programming Interface (API). SAQ A-EP (193 questions) A true payment processing solution should save time, money, and stress—so we designed Payway that way. PayWay Payment Cards are useful when your customers make regular payments without an invoice. You. Receipts files contain a list of payments collected. About PayWay Payment Cards. The Company Details page allows you to set your company's contact details and logo. Choose the settlement date. Automatic payment collection from your customer's credit card or bank accountEasy to set up - instantly add the PayWay Connect module online and follow our step-by-step tutorial. 30am to 5. This ensures the funds are correctly allocated and PayWay Match can automatically match the payment to the customers who paid. George IPG file specification Customer files Recurring billing and customer vault once-off upload Open virtual accounts Order payment cards Receipts and export filesPayWay Payment Cards. Manually enter credit card sales directly…PayWay Virtual Terminal Process eCommerce / Telephone and Mail Orders Your call centre or sales employees can collect credit card payments using a web page, or a. Google Pay. In the menu on the left-hand side of the screen, navigate to Settings > Devices. 00. We would like to show you a description here but the site won’t allow us. PayWay offers a wide range of verrechnung channels, helping you to better manage your cash flood. Besides using PayWay Virtual Terminal, you do not receive or transmit cardholder data electronically. ACH Payments. The Company Details page allows you to set your company's contact details and logo. If a customer has a batch of credit card transactions that are not required to be processed in real-time, then it is recommended that they investigate the PayWay Batch module. Each of your customers uses a. Contact our sales team if you’d like to learn more about Payway’s secure payment gateway, contact our sales team. Introduction. A customer reference number (e. Nov 1, 2023. It comes with a whole suite of other services, such as stored-card capability, invoicing, recurring billing, online ordering option, customer management, advanced analytics, numerous third-party app integrations, and. Call us on 1300 368 098 between 8am and 8pm, Monday - Friday. You can use PayWay to collect a series of payments. ** Please read the PayWay Payment Card BPAY Sub-biller Agreement and Operations Manual for further terms and conditions. 2. From Android payments to app integrations that will boost sales. Ease of integration - simply link to a page hosted by us, or build seamless integration with PayWay Trusted Frames. You will get instant notification after transaction is done. PayWay offers a wide range of payment channels, helping you to better manage your cash flow. Virtual Payment Terminal . Take your payments online with ease, with NAB's range of merchant products and services. The Company Details page allows you to set your company's contact details and logo. Variable transaction fees. The Company Details page allows you to set your company's contact details and logo. inbound or outbound call centre. 2. All communications between the customer's system and API takes place securely. PayWay is a PCI-DSS level 1 compliant solution. BPOINT caters for businesses with complex payment needs, making it easy for you to: Process one-off , recurring or batch payments and refunds. ® Registered to BPAY Pty Ltd ABN 69 079 137 518. Personalized and flexible customer service from implementation and beyond. You can use PayWay Virtual Terminal for: The file is in Comma-Separated Value (CSV) format. 2. The Company Details page allows you to set your company's contact details and logo. The developer portal provides quick access to resources in three developer guide categories — basic guides, user guides and integration guides. PayWay Payment CardsPayWay is a simple, secure, internet-based solution to collect and manage your customer payments. Flows through to payway virtual terminal four custom fields to secure and processing the potential for busy businesses, specific business with this capability such as it alone or process. To instruct your customers how to pay using the PayWay 1300 number include: The PayWay phone number (1300 885 175) and a statement that credit card payments can be made by phone. The Company Details page allows you to set your company's contact details and logo. Merchant Choice Routing (MCR) Online allows you to route all Visa or MasterCard debit card payments to eftpos, or allows you to choose which network to route to, based on a threshold value you specify. A virtual terminal is a software application that allows you to manually enter payment information and process transactions. PayWay Payment Cards are useful when your customers make regular payments without an invoice. Find out how to automatically match EFT payments to customers. Approved funds for Visa, Mastercard and eftpos 3 are settled into a Westpac Business. 2. Merchants must apply separately for a virtual terminal that allows them to process payments remotely. Make payments simple. com. Accept donations or online sales using our hosted payment page or trusted frame. PayWay Virtual Terminal gives your staff the ability to make sales and process payments over the phone with instant credit card approval/decline response. Get started now! 1-888-900-9192. Corporate Trading Account . *Price is for online payment services only. Get started Take orders online or over the phone. This page describes PayWay Virtual Terminal. Call 800-457-9932 today. PayWay Match Virtual Account Direct Credit PayWay Connect * Further fees and charges, terms and conditions apply. Find out how to automatically match EFT payments to customers. It is running on the remote server of the provider as a container or virtual machine. Generally speaking – yes. , anywhere. With Payway, you’ll know you’re getting a fair deal. PayWay is a PCI-DSS level 1 compliant solution. Virtual Terminal lets you accept debit and credit card payments by phone, mail, or in-person. PayWay offers a wide range of payment channels, helping you to better manage your cash flow. Online Payment Processing. For regular payments like subscriptions, memberships and donations: Credit card or bank account details are stored in the PayWay customer vault along with a schedule of. PayWay is a simple, secure, internet-based solution to collect and manage your customer payments. The simplest way would indeed be as @steeldriver suggested to open a terminal and run this command: sudo apt-get install console-common. You can access PayWay Virtual Terminal from a desktop, smartphone or tablet giving you the convenience of processing transactions from various locations. 1300 369 852. . Online Payment Processing . PayWay Match. PayWay Payment Cards. In this publication references to the "Bank" are to Westpac Banking Corporation ABN 33 007 457 141 and to any of. PayWay Match. PayWay Payment Cards are useful when your customers make regular payments without an invoice. These are shown on receipts and other documents produced by PayWay. com. The Company Details page allows you to set your company's contact details and logo. PayWay Match. 5 seconds to keep lines short and capture more sales per hour. Phone payments. Step 6: Transaction approved or declined based on one time pin entry. Words: 15,712; Pages: 63; Preview; Full text; Westpac Banking Corporation ABN 33 007 457 141 PayWay User Guide Document History Date th 5 August 2014 Version 2014 Release 2 Page 208 - Honour with identification. PayWay Virtual Terminal Allows you to manually process card payments for mail, telephone and online orders through a secure web page without the need to implement any additional software Avoid the cost of having multiple EFTPOS terminals in your business, multiple staff can be set up with access to process credit card payments at the same time You can use PayWay Virtual Terminal for: purchases, invoice or bill payments. The PayWay Match module allows you to: Open virtual accounts for customers who pay you by direct debit/pay anyone. Allow your customers to make credit card payments using a 1300 number. With Payway’s payment virtual terminal, you simply log into your account online to securely and efficiently handle payments: Manually enter credit card sales directly on your computer. Con una terminal de cobro vas a aumentar las ventas en tu comercio porque te permite aceptar todas las tarjetas. To download receipts files: Click Daily Settlement in the Reports menu. 1 Payway’s Virtual Terminal: PaywayWS 2. Please contact your Relationship Manager if you have any queries. 30pm (AEST), Monday to Friday or email payway@qvalent. Virtual Payment Terminal Online Payment Processing ACH PaymentsPayWay Virtual Terminal gives your staff the ability to process card payments via a secure PayWay webpage without the need for a physical EFTPOS machine. g. All communications between the customer's system and API takes place securely. Fees and Commissions. PayWay Virtual Terminal. Please contact your Relationship Manager if you have any queries. Virtual Payment Terminal . The PayWay solution allows customers to process credit cards using an Application Programming Interface (API). PayWay is a simple, secure, internet-based solution to collect and manage your customer payments. QR Code Payments . 1300 369 852. PayWay Recurring Billing and Customer Kasten. These are shown on receipts and other documents produced by PayWay. This is a guide only and it is not comprehensive. For the Excel template, see PayWay Recurring Billing and Customer Vault Once-Off Customer Upload Spreadsheet. 30pm (AEST), Monday to Friday or email payway@qvalent. We’re happy to work with you to figure out the best solution for your business needs. The Hosted Payment Page is a PayWay-hosted webpage for accepting credit card and PayPal payments. For ad-hoc transactions it is recommended that the customer use the virtual terminal facility that is available through the PayWay customer web interface. These are shown on receipts and other documents produced by PayWay. All communications between the customer's system and API takes place securely. In all cases where the response code requires the account holder to contact their bank, to assist in the enquiry you will need the date and amount of the attempted transaction which failed and also why the bank returned that status for the failed transaction. 2. Regardless of the plan, chargebacks cost £14 each plus a possible £12 Dispute Fee for eligible transactions. You must enter your PayWay client number (e. Merchant Choice Routing (MCR) Online allows you to route all Visa or MasterCard debit card payments to eftpos, or allows you to choose which network to route to, based on a threshold value you specify. 30pm (AEST), Monday to Friday or email [email protected] Portal Payway Para Ventas Online permite cobrar con tarjeta de crédito y débito los productos y/o servicios que las empresas venden por medio de tiendas online. Instead, press the “e” key on your keyboard. 49 per transaction. You should also consider the terms and conditions applicable to the product. George customers. Payment gateways enable the capability for credit card and digital payment processing. com . 10. PayWay Recurring Billing and Customer Vault. If you upload a payment file, the amount in the file is the principal amount. Automatic payment collection from your customer's credit card or bank accountThe PayWay solution allows customers to process credit cards using an Application Programming Interface (API). As of November 2021, you can no longer use Tap & Pay. The issuing bank returns the authorization back to the payment gateway through the payment processor. PayWay Virtual Terminal. 2 If you have entered into an MSA, then this Agreement also includes the terms and conditions set out in The Surcharges page allows you to set the surcharge rate for transactions made through the Recurring Billing and Customer Vault, Virtual Terminal, Phone and Net modules in PayWay. You can use PayWay Batch for: recurring membership and subscription paymentsVirtual Payment Terminal . reputation marketing by nicejob. You can use PayWay Virtual Terminal for: If you want to start accepting credit card payments, Payway’s merchant payment services can help you apply for a merchant account. Get the most out of your Payway solution by using any of our partner solutions. Please refer to “Process Operations” of this guide. Self-Assessment Questionnaire C-VT and Attestation of Compliance. Accept payments by direct credit or pay anyone; PayWay matches every payment to the customer who paid; You receive a single aggregate settlement to your bank account; Customer number for each payment is included in a receipts file for upload into your accounting/ERP software; See PayWay Match for more. You do not store cardholder data in an electronic format. View the user guide. Direct debit status codes. If you set up a programming environment according to the prerequisites section, you can launch and access the version of Python and modules you have installed in that environment by first entering into it with the following command: cd environments. You can use PayWay Payment Cards for: collection of rental payments from tenants; other rent and. PayWay Net. ACH Payments. PayWay Net allows you to accept once-off online payments. If a customer has a batch of credit card transactions that are not required to be processed in real-time, then it is recommended that they investigate the PayWay Batch module. [1] IBM “Cost of a Data Breach Report 2022”: 3R8N1DZJ (ibm. You do not store cardholder data in an electronic format. The PayWay Batch module allows you to: Process a file of credit card. PayWay Recurring Billing and Customer Vault. PayWay Phone. 24/7 Service. What truly makes screen indispensable is the ability to split the terminal into multiple windows within one session arranged horizontally or vertically. Online Payment Processing . This page describes PayWay Virtual Terminal. The API offers the customer a range. You add the PayWay Connect module and choose one of the PayWay receipts file formats; Each day, PayWay creates a receipts file listing payments you receivedPayWay file formats Payment files Customer Vault payment file Cardlink file format specification Batch Advantage Upload MTS file format specification St. Although a single percentage seems straightforward and convenient, it allows dishonest providers to hide avoidable costs. PayWay Net can notify you with the result of each individual payment to allow you to process the order. If you charge a different amount each time you can record the credit card or bank account details in PayWay and upload a simple file containing the amount to charge. POS Systems Manage your business. Payway, one of the best Payment Gateway platforms with all the features that your business needs:. 2. The payment file contains full credit card details, your transaction reference and the payment amount. PayWay file formats Payment files Customer Vault payment file Cardlink file format specification Batch Advantage Upload MTS file format specification St. It is an affiliate of U. We understand certain situations require different pricing. The tool enables users to process payments and create accounts, research transactions, generate reports and upload file-based transactions for processing. How it works. A customer reference number (e. PayWay offers a wide range of payment channels, helping you to better manage your cash flow. 30pm (AEST), Monday to Friday or email payway@qvalent. 8 Void (Cancel) Void (Cancel) Transactions that have not yet been deposited may be voided using the void request. com. This rate applies to credit card payments you accept through PayPal’s virtual terminal. PayWay offers a wide range of payment channels, helping you to better manage your cash flow. Say goodbye to missed sales opportunities and hello to happy customers!1. Accept payments by direct credit or pay anyone; PayWay matches every payment to the customer who paid; You receive a single aggregate settlement to your bank account; Customer number for each payment is included in a receipts file for upload into your accounting/ERP software; See PayWay Match for more. Skip to main content. The Payway® User’s Guide is designed to assist users of the Payway® payment manager. These are shown on receipts and other documents produced by PayWay. For ad-hoc transactions it is recommended that the customer use the virtual terminal facility that is available through the PayWay customer web interface. a high-risk country)Download & View Payway User Guide as PDF for free. Payway P2PE Installation Guide ; Guide PaywayWS Credit Card Integration Guide . This page describes PayWay Virtual Terminal. PayWay is a simple, secure, internet-based solution to collect and manage customer payments. Issue invoices by email. 2 If you have entered into an MSA, then this Agreement also includes the terms and conditions set outTo open a virtual account for a single new customer: Click Add Customer in the Customers menu; Choose PayWay Match Direct Credit as how the customer will pay. 2. PayWay Regular Billing and Customer Vault. Virtual Terminal credit card processsing allows you to take payments by phone, email, or in-person. Add your Visa card. About PayWay Payment Cards. Your PayWay biller code can be found in the Setup Phone wizard. With PayWay Virtual Terminal your staff can quickly and easily process credit card payments. Setup Payway as your payment method through our Payment Gateway and Credit Card Payment API. As. A virtual account is a BSB and account number used to accept direct credit payments. It enables the exchange of data between the merchant, card issuer and when necessary, the cardholder to validate that the transaction is being initiated by the rightful. 1 Introduction. PayWay is a simpler and more streamlined way to safely and securely collect, monitor and manage your customer payments. PaymentCloud: Variable monthly account fee. When a customer pays you by direct credit, PayWay matches the payment to the customer. PayWay Net is available as either a hosted payment page or trusted frame. This page describes PayWay Virtual Terminal. Virtual Terminal: As noted above, a virtual terminal is a browser-based version of the physical credit card terminal. Required if not assigned by payway. 491 Maple Street Suite 305 Danvers, MA 01923. Found on your invoice or PayWay Payment Card. St. For online shopping, choose “ABA PAY” as your payment method on Checkout page. The terminal is powered by an extremely easy to use Graphical User Interface (GUI) that even a child can it use it without being shown first. PayWay offers a wide range of payment channels, helping you to better manage your cash flow. Zettle Terminal: $199. Get a PayWay test facility and choose "My system meets PCI-DSS compliance for storing credit card numbers" to test. These are shown on receipts and other documents produced by PayWay. xls . Registrate en Naranja X y pedí tu terminal Payway. PayWay Virtual Terminal. George Technical Support Helpdesk team on 1300 395 501 between 8. Automatic payment collection from your customer's credit card or bank accountPayWay file formats Payment files Customer Vault payment file Cardlink file format specification Batch Advantage Upload MTS file format specification St. PayWay Match. Boost Your Business with Recurring ACH Payments. I ordered paper rolls for your terminal. Online Payment Processing. A payment gateway is a mechanism that communicates transaction information between the customer and the merchant. Your virtual terminal should. , Braintree, Authorize. 50% + $0. 7 trillion. Accept payments by direct credit or pay anyone; PayWay matches every payment to the customer who paid; You receive a single aggregate settlement to your bank account; Customer number for each payment is included in a receipts file for upload into your accounting/ERP software; See PayWay Match for more. To open virtual accounts in bulk, complete and upload the Add_Customers_and_Open_Virtual_Accounts_Template. PayWay Payment Cards are useful when your customers make regular payments without an invoice. You do not store cardholder data in an electronic format. Subscribe Every post in your inbox undefined. 30pm (AEST), Monday to Friday or email payway@qvalent. The first row is a header row containing the name of each column. General Terms and Conditions General Terms and Conditions for Online Services ABA Merchant App Terms and Conditions. Approved funds for Visa, Mastercard and eftpos 3 are settled into a Westpac Business. 95 +VAT per month*. About PayWay Payment Cards. The Company Details page allows you to set your company's contact details and logo. Payway provides the ability through the payment manager and by the Payway API(s) to verify a customer’s account for $0. In Summary: The 6 Best Virtual Terminals For Small Business. 2 Company You enter payments one at time via a keyboard into PayWay Virtual Terminal. You can also keep your payments unified when accepting card-not-present payments. All communications between the customer's system and API takes place securely. To connect Square Terminal to Virtual Terminal: From your Square Dashboard on your computer, go to the Virtual Terminal Overview page. S. How it works. To switch from one to the other: ctrl a then tab. The PayWay Batch module allows you to: Process a file of credit card. These are shown on receipts and other documents produced by PayWay. Call us for NAB Transact support Monday to Friday, 8:00am to 8:00pm (AEST/AEDT) Call us for NAB Gateway support 24/7. PayWay can create receipts files suitable for upload into various accounting packages. To instruct your customers how to pay using the PayWay 1300 number include: The PayWay phone number (1300 885 175) and a statement that credit card payments can be made by phone. The PayWay solution allows customers to process credit cards using an Application Programming Interface (API). 1 Payway’s Virtual Terminal: PaywayWS 2. Westpac acts as a digital key to securely process your card payments in real time. Use our virtual terminal to process credit card and debit card payments for offline sales. Accept payments by direct credit or pay anyone; PayWay matches every payment to the customer who paid; You receive a single aggregate settlement to your bank account; Customer number for each payment is included in a receipts file for upload into your accounting/ERP software; See PayWay Match for more. Ease of integration - simply link to a page hosted by us, or build seamless integration with PayWay Trusted Frames. . PayWay Recurring Billing and Customer Vault. Division IDEasy to set up - instantly add the PayWay Connect module online and follow our step-by-step tutorial. With PayWay Virtual Terminal your staff can quickly and easily process credit card payments. PayWay Match. invoice number, policy number). The information contained in this publication is provided for learning purposes only and is subject to change. PayWay Virtual Terminal. A captcha is a challenge designed to make it difficult for an attacker to cheaply process many payments. For more information on fees, click Fees at the bottom of any PayPal page. If a customer has a batch of credit card transactions that are not required to be processed in real-time, then it is recommended that they investigate the PayWay Batch module. g. There is […]00 - Approved. Automatic payment collection from your customer's credit card or bank account An empty spreadsheet (PayWay Recurring Billing and Customer Vault Once-Off Customer Upload Spreadsheet. 1300 369 852. 1. inbound or outbound call centre. PayWay Virtual Terminal gives your staff the ability to make sales and process payments over the phone with instant credit card approval/decline response.