How AuthorizeNet processes transactions

1. AuthorizeNet detects that an order has been placed, securely encrypts and forwards the Authorization Request to the Consumer’s Credit Card Issuer to verify the consumer’s credit card account and funds availability.

2. The Authorization (or Decline) Response is returned via AuthorizeNet to the Merchant. (Round-trip, this process averages less than three seconds).

3. Upon approval, the Merchant fulfills the consumer’s order.

4. AuthorizeNet sends the settlement request to the Merchant Account Provider.

5. The Merchant Account Provider deposits transaction funds into the Merchant’s Checking Account.

Payment Gateway and Credit Card Transaction Processing

Upon signing up for an AuthorizeNet payment gateway account for credit card transaction processing, you will be provided with the following tools and services all in one package:

1. Virtual Terminal - The AuthorizeNet Virtual Terminal is a secure, browser-based interface that enables businesses to authorize, process and manage credit card transactions from any computer that has 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.

2. Shopping Cart Integration Methods - AIM (Advanced Integration Method) and SIM (Simple Integration Method) are secure online payment-processing systems, which allow Internet-based businesses to authorize, process and manage credit card transactions directly from their web site. AShop ecommerce software supports both methods in the automated online shopping cart and manual order entry.

3. Recurring Billing - The Batch Upload feature of the Authorize.Net payment gateway system provides merchants with the means to submit simultaneously multiple transactions for processing and settling. Authorize.Net offers Automated Recurring Billing (ARB) service for an additional monthly fee.

4. AirPay v1.2 - AirPay is a software application that will run on almost any handheld PDA (personal digital assistant) device, allowing merchants to process credit card sales from any location with access to wireless service.

5. AVS Filtering - AuthorizeNet takes the AVS response code from the processing network and reports it to the merchant. Depending upon the response, the merchant may decide to approve the transaction, reject the transaction, or take other actions.

6. Transaction Activity - The Transaction Activity area of the AuthorizeNet Merchant Menu provides merchants with the following tools to effectively access and analyze their transaction information:

- View transactions details and statistics. - Void a transaction that has not yet been settled. - View transactions according to the type for a given batch. - Select previously authorized transactions for capture. - Download transaction details for personal record keeping.

7. Support - To facilitate in your merchants' success, we have provided world-class support outlets to help them in learning about the use of the AuthorizeNet payment gateway system and overcoming any challenges regarding the use of their Authorize.Net account.

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Additional Services Available

eCheck.Net - eCheck.Net is an Authorize.Net payment service that allows online and traditional merchants to accept and process electronic check payments - either directly from their Website's storefront or through the Authorize.Net Virtual Terminal. eCheck.Net makes it easy for online businesses to add an electronic check payment option to their Website

TRANSACT-SECURE™ is iShopSecure, Inc.'s patent pending server-based solution that helps to prevent cardholder identification fraud by empowering the merchant to automatically perform real-time multi-tiered authentication of the purchaser's identity during checkout. Merchants interested in enrolling and participating in the TRANSACT-SECURE™ service must contact iShopSecure, Inc. through their Authorize.Net Merchant interface after your account is set up to receive the pricing listed below. We have negotiated the following special pricing for merchants that sign up for the iShopSecure service from the AuthorizeNet Merchant interface.