Product/Service

X-Charge Payment Processing Software

X-Charge credit card processing software provides merchants with a fast and secure payment-processing platform that can be used by any Windows-compatible personal computer. Merchants can use X-Charge credit card processing software as a stand-alone credit card terminal or integrate it with existing POS (Point of Sale) software applications.

Designed for Windows NT, 2000, and XP. X-Charge credit card processing software is the latest software offering for merchants from Accelerated Payment Technologies. X-Charge credit card processing software provides merchants with a fast and secure payment-processing platform that can be used by any Windows-compatible personal computer. Merchants can use X-Charge credit card processing software as a stand-alone credit card terminal or integrate it with existing POS (Point of Sale) software applications. X-Charge credit card processing software authorizes and performs electronic draft capture for all major credit cards. MOTO (Mail Order Telephone Order) applications are supported via the built-in AVS (Address Verification System) feature that aids in reducing fraudulent charges.

The AVS feature also provides the merchant with lower processing fees since all mandated card data is transmitted to the processing network.

In addition to traditional credit card processing services, X-Charge also supports various check authorization platforms. Through the use of a standard driver's license, X-Charge allows the merchant to participate in Check Guarantee, Check Verification, and Check Recovery services. This provides the merchant with "peace of mind" when accepting checks from customers.

Settlements are simplified through the X-Charge "Time Initiated" feature. X-Charge credit card processing software will automatically settle an existing batch of transactions at a designated time of day or night without any user intervention. Merchants will no longer experience delayed deposits or risk downgrades because of missed or late settlement transmittals. For those merchants requiring greater control, batches may also be settled manually multiple times per day. X-Charge credit card processing software provides all of the necessary features and functionality to allow these types of merchants to assign cash drawer responsibility at an employee/shift level. In addition to providing merchants with a better processing platform versus traditional credit card terminals, X-Charge credit card processing software helps the merchant reduce the expense of accepting credit card payments through the following:

  • All of the required information is transmitted to the card-processing network. This guarantees that the merchant will receive the lowest possible discount rate.
  • Only one phone line is used for multiple stations. This saves the merchant from the expense of multiple phone line installations and monthly phone line usage costs.
  • No complicated programming or updating of terminals is necessary. Merchants do not have to spend valuable time performing tedious programming tasks.
  • Historical transactions are easily accessible through the built-in lookup feature. This helps the merchant reduce chargebacks by allowing them to quickly reference the original receipt.
  • Once a connection to the processing network is established, credit card authorizations can be performed in as fast as 2 seconds!