X-Charge Payment Processing Software

1 X-Charge delivers technology and security likeno other while providing merchants with a fastand reliable Payment - Processing is integrated with point-of-sale (POS) Software systems and business managementapplications such as; Retail, Restaurant,Accounting, Practice Management, and manyothers. X-Charge offers money saving benefitsand unique features to help you achieve amore professional image by streamlining yourpayment acceptance authorizes and executes electronicdraft capture for all major credit and debitcards. MO/TO (Mail Order Telephone Order)applications are supported via the built-in AVS(Address Verification System) and CVV2features that help reduce fraudulent AVS feature also provides the merchantwith lower Processing costs since all mandatedcard data is transmitted to the are simplified through theX-Charge time initiated feature. X-Chargeautomatically settles an existing batch oftransactions at a designated time of day ornight without any user is fast!

2 Electronic payments can beprocessed through the Internet, whereapprovals are achieved within a matter of twoto three seconds. A traditional modem canbe used as can be used by any type of businessthat accepts credit cards as a form of paymentand employs a traditional bank terminal. Thisincludes health clubs, dry cleaners, traditionalretail stores, mail order houses, telephone orderfulfillment centers, professional offices, andInternet businesses. These merchants will enjoyincreased productivity and decreased costsassociated with accepting credit card paymentsby applying X-Charge addition to traditional Payment processingservices, X-Charge now offers X-Web. X-Web is acost-effective, secure, and reliable gateway forprocessing credit card transactions, providingreal-time authorizations combined with fraud-prevention tools. X-Web is at the forefront ofpayment Processing security, utilizingSmartDefenseTM technology from worldwideintelligent security solutions provider CheckPointTM.

3 This high-performance and fully PCI-compliant gateway also has advanced measuresin place to protect sensitive also supports various checkauthorization platforms. Through the use of astandard drivers license, X-Charge allows themerchant to participate in Check Guarantee,Check Verification, and Check Recovery accepting ATM debit cards, X-Chargesupports the latest pin pads and electronicsignature capture devices. Merchants can alsoutilize increasingly popular Customized Gift P-Charge P-Charge P-Charge P-Charge Paaaaayment Processing Softwyment Processing Softwyment Processing Softwyment Processing Softwyment Processing Processing SoftwareX-Charge provides: One invoice transactions Easy auditing Fast approvals Automatic settlement Fraud Control Easy to learn platform Low discount ratesX-Charge performs all of the functions of a bank terminal in astandard Microsoft Windows program.

4 X-Charge operates onany IBM-compatible personal computer that supports WindowsNT/2000/ requires a dedicated communications (COM) port witha Robotics compatible modem or Internet cards can be automatically read by using a standardkeyboard wedge swipe reader. X-Charge supports any printerunder Windows with the appropriate print driver installed. 40column printers are supported for receipts, and standard 80column printers are supported for all report and auditing tolerance feature requires both an Internet connectionand modem Includes: Processes all major credit cards Supports check approvals ATM debit card support Gift Card support Automatic fault tolerance Merchant account included PCI compliantIn addition to providing merchants with the best processingplatform versus traditional credit card terminals, X-Charge helpsmerchants reduce the expense of accepting credit cardpayments by: Transmitting all mandated information so themerchant receives the lowest possible discount rate.

5 Only one phone line or Internet connection requiredfor multiple stations. Full page reporting with dates to match merchantstatements greatly reduces reconciliation time. Built-in fraud control keeps merchants in compliance. Historical transactions are easily accessible throughthe built-in lookup feature. This helps merchantsreduce charge backs by allowing them to quicklyreference the original receipt and digital High tech circleHenderson, NV