When it comes to Payment Processing,
It's all about Speed, Security, Stability and Savings!

While you may already accept credit cards for your business, did you know you can now seamlessly accept and process all major credit cards in real-time directly from Order Entry and Accounts Receivable?

The InstaPAY ERP Payment Processing Package is the only totally complete, end-to-end, seamlessly integrated payment processing solution for Sage Accpac users.

You will save significant amounts of time and money from the integrated user interface module of Paytelligence, to the integrated InstaPAY Payment Gateway (the processing Engine), to the integrated InstaPAY Merchant Account (for auth, capture, settlement & online reconciliation of credit card funds), resulting in an estimated savings of up to 8-12 man hours per day and an estimated ROI of less than 4-weeks.

Accept Credit Cards Today,
With Fast, Friendly and Affordable Solutions

At InstaPAY we view each and every client as a partner in business. Whether your business is a small family owned operation, a mail order catalogue business or a multi-location national retail chain, we have the perfect electronic credit card processing solution for you.

Our credit card processing services enable your business to accept and process Visa®, MasterCard®, American Express®, Discover®, Diners Club, JCB, as well as every major ATM/Debit card network nationwide.

We offer the most advanced payment technology available, and since our platforms and national infrastructure systems are flexible we can offer custom-tailored programs for fit your particular business requirements.

• > Retail Processing

  Retail merchant accounts allow merchants the ability to process card present, face-to-face, sales transactions. Processing credit card transactions in a retail environment can be performed using a credit card swipe terminal, PC processing software, contactless terminal or a Fully Integrated POS System.

• > Wireless Processing

  Take care of business on the road or wherever your business is taking place. With our wireless processing you can accept credit cards anywhere you can get a cell phone signal. Accepting payments on the go couldn't be easier.

• > MOTO Processing

  Our "Mail Order Telephone Order" (MOTO) solution lets you accept and process your credit card transactions for phone, fax, and mail orders using our Web-based InstaPAY Virtual Terminal.

• > Internet Processing

  InstaPAY understands the evolving needs of securely processing credit card transactions online. Our InstaPAY Payment Gateway and shopping cart solutions are designed to help you grow your online business safely and securely.

Streamline Operations,
While Eliminating Fraudulent & NSF Checks

InstaPAY's comprehensive check processing services provides merchants with a safe and secure risk management process that streamlines operations, expands payment options and mitigates check losses.

• > Check Verification

  InstaPAY offers a robust yet affordable check verification program that pays for itself. A merchant simply verifies all checks through InstaPAY's national negative database to see if the check writer has any outstanding check(s) in the system. If none are found, the system will submit an approval, allowing the merchant to accept the check. In seconds, InstaPAY processes the transaction from its database of millions of records. During the verification process, all U.S. and Canadian driver's licenses and state-issued identifications are verified to meet established guidelines. InstaPAY even validates the transit routing numbers when the checking account number is used for verification.

  InstaPAY gives business owners an affordable alternative for only pennies per transaction. When combining verification with collection services, you have a comprehensive risk management program designed specifically to meet your business needs.

  Benefits of Check Verification

  • Increases sales by allowing merchant to accept more checks with reduced risk.
  • Verifies checks from customers anywhere in the U.S. or Canada.
  • Validates driver's license and bank MICR number.
  • Processes transactions electronically within seconds 24 hours a day, seven days a week.
  • Costs only pennies per transaction.
• > Check Guarantee

  The InstaPAY Check Guarantee service is a simple process at the point-of-sale. The sales clerk simply enters the customer's information into the point-of-sale terminal or cash register. In less than four seconds InstaPAY authorizes the check from its database of millions of records, accessing both local and national negative files of unpaid checks.

  InstaPAY profiles the transaction using proprietary shopping patterns and continuously updates this database with check writing histories drawn from subscribing customers. With InstaPAY's Check Guarantee service, a merchant never has to lose a sale or delay a customer because of high check writing activity. In addition, if a check we authorize does not clear, InstaPAY quickly purchases it for the full amount, up to the check limit, so you can increase your sales without increasing your risks. The reimbursement process is simple and will improve your cash flow and reduce your administrative expenses.

  In the complicated world of business, the InstaPAY Check Guarantee service allows merchants to strike a balance between managing risk and providing the kind of service customers expect.

  Benefits of Check Guarantee

  • Streamlines check approval at the point-of-sale and helps prevent check losses before they occur.
  • Accommodates checks from anywhere in the U.S. or Canada.
  • Provides full purchase of returned checks
  • Eliminates the cost of collection on dishonored checks.
  • Available 24 hours a day, seven days a week.
• > Electronic Check Conversion

  The InstaPAY® Electronic Check Transfer (ECT) program combines the benefits of paper checks with the speed, ease and safety of electronic processing. It's just like accepting a credit card or debit card at the point-of-sale. The check is converted to a paperless transaction by electronically moving funds from the customer's bank account to the business's bank account. Combined with Check Guarantee, this service delivers a streamlined check acceptance process that eliminates returned checks and returned check fees, while reducing paperwork and trips to the bank.

  With the InstaPAY ECT program, check writers will continue to benefit from the float of a paper check, since the electronic item is processed through the banking cycle in the same amount of time as a traditional paper check. It's a safe process that uses a secure bank system similar to those used for direct deposits and ATM transactions.

  The InstaPAY ECT program helps businesses take full advantage of this new innovation in the world of electronic commerce and provides the added safety and convenience of paperless money. Determine the program that best meets your business needs.

  Benefits of ECT

  • Provides the ability to accept checks as easily as credit cards
  • Reduces or eliminates check losses
  • Improves cash flow with funds available within two banking days
  • Eliminates returned check fees and reduces bank fees
  • Reduces labor costs associated with preparing paper checks for deposit
  • Utilizes secure, automated processing
  • Speeds customer check-out
  • Provides easy reconciliation and record keeping
  • Reduces check fraud
• > ACH & E-Checks

  InstaPAY is a pioneer in the transaction-processing arena, and we continue to consistently provide our customers with leading edge products, ensuring every competitive advantage. InstaPAY's ACH/e-Check payment processing services enable your company to accept and process checks online in real time.

  When businesses overlook ACH Paperless Checks (e-checks), they lose the opportunity to nearly double their Internet sales. By offering paperless check processing (e-checks), businesses contribute to their bottom line by expanding their potential customer base. Many customers either do not have credit cards or they prefer to pay with checks. Now, businesses can easily accept checks online with InstaPAY.

  This service allows customers to securely purchase products and services using their existing checking or savings account while allowing businesses to expand their online payment options beyond credit cards.

  Online Check Features

  • Comprehensive online paperless check processing
  • Low cost implementation
  • Industrial-strength security screening
  • Fraud and Risk Management (FRISK™)
  • Dedicated support

Reduce Payroll Costs,
With Added Conveniences to Your Employees

The InstaPAY Payroll Card is a cost effective opportunity to reduce payroll expenses and increase employee direct deposit participation, even among those who do not qualify for a standard checking account. The InstaPAY Payroll Card program uses a MasterCard™-branded pre-paid debit card account into which you deposit your employees' net pay via ACH. Instead of issuing a paper check, the employee's net pay is electronically transferred to the debit MasterCard™ issued to the employee.

Your employees then have immediate access to their funds with their payroll card at thousands of ATM locations and point-of-sale locations worldwide. Your employees will enjoy the convenience offered by the payroll card and benefit from the elimination of check cashing fees. All employees are accepted and the benefits to employer and employee are many as outlined below.

Benefits of the InstaPAY Payroll card

• Reduce payroll expenses costs by eliminating check costs.
• Increase employee retention by offering valuable cardholder benefits.
• Eliminate costly out-of-cycle checks.
• Avoid charges for reissuing lost and stolen checks.
• Provide unbanked employees with an inexpensive method to receive wages.
• Give employees peace of mind knowing that their pay is automatically available and accessible.
• Offer employees the flexibility to shop or pay bills by phone, online, or mail, because the InstaPAY Payroll card is welcome anywhere MasterCard™ debit cards are accepted.
• Save your employees check-cashing and money order fees.
• Reduce paper check fraud.

Fast Transactions Times,
With the Encrypted Security & Protection

The InstaPAY Gateway is seamlessly integrated with Paytelligence enabling seamless real-time payment processing. This seamless integration gives merchants the ability to process real-time credit, debit cards, ACH and Check transactions in one simple application. With Paytelligence real-time synchronization, you can accept and process all major credit cards directly from your inventory control, accounts receivable or order entry modules.

The protection of cardholder data from fraud and loss is critical. The InstaPAY Payment Gateway is basically a secure "vault" that, offers complete encryption and protection of your customers' personal credit card data and transaction information. The InstaPAY Payment Gateway is Visa CISP (Cardholder Information Security Program) and MasterCard SDP (Site Data Protection Program) compliant and certified, as well as PCI (Payment Card Industry) DSS (Data Security Standard) compliant and certified.

• > Seamless Payment Processing

  Accept all major credit cards, including Visa, MasterCard, American Express, Discover, Diner's Club, and JCB.

• > Electronic Check Processing

  Give your consumers the option of paying via Online Check™.

• > Recurring Billing

  Easy to use automated billing of recurring amounts.

• > Data Protection

  The InstaPAY Payment Gateway is Visa CISP & PCI compliant and certified, as well as DSS (Data Security Standard) compliant and certified, which provides you with the protection and security you need in today's business environment.

• > Fraud & Risk Management

  Our customizable fraud and risk management system helps you maximize sales and minimize risk.

• > Comprehensive Reporting

  Our comprehensive real-time transaction and audit reporting provides users the ability to audit every type of transaction.

• > Dedicated Support

  InstaPAY gives businesses the personal attention and responsiveness they need to succeed.

Increase Loyalty,
While Generating New Revenue

Offer gift cards to your customers and benefit from the seamless integration of InstaPAY payment processing. Our gift card programs can be designed and implemented quickly and easily. Let us help you build customer loyalty with a stored value program for your business.

Our team can help you design a flexible gift card program for your businesses needs. In addition to quick start-up we offer program merchandising kits, 24/7-cardholder IVR support and detailed reporting for your business. Choose the program that is right for you:

• > Gift Card Now

  This starter program is designed for your business to test the waters of offer electronic gift cards to your customers. By selecting from our standard card templates, the setup process is quick and simple with the addition of your company information. With initial minimum 100 card orders, optional reloading capability and detailed real-time reporting, you can get started in just a few days.

• > Gift Card Advantage

  The Advantage program offers the same features as our Gift Card Now program and includes your company's logo on the gift card. With minimum initial orders of only 500 cards, you can usually be up and running in less than two weeks. Don't forget to order in-store marketing materials to promote your program.

• > Gift Card Custom

  Our Custom program provides a tailored solution for customers who order 1,000 or more gift cards. This fully customizable program can include custom card and carrier design, card production and fulfillment services.

Better than a Bank Loan,
And without the Headaches or Hassles

A Business Cash Advance provides merchants with easy access to working capital without the headaches or hassles associated with traditional bank loans or lines of credit. It's a quick and simple process with many benefits and few requirements.

With a Business Cash Advance, we purchase a portion of your future Visa, MasterCard, American Express, Discover Card, debit card, and gift card sales transactions at a discount in exchange for immediate cash to be used as you see fit. And since the repayment process is integrated with your merchant account, we simply collect a small percentage of those future sales as they are settled daily until the purchase amount of the cash advance is paid back in full.