X-Charge Credit Card Processing Software

X-Charge™ Credit Card Processing Software

X-Charge™ is the latest software offering for merchants from CAM Commerce Solutions. X-Charge™ 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™ as a standalone credit card terminal or integrate it with existing POS (Point of Sale), Sales Order, eCommerce, or Accounting applications. X-Charge™ authorizes and performs electronic draft capture for all major credit cards. MOTO (Mail Order / Telephone Order) applications are supported via X-Charge Credit Card Processing Software Computer Swipe 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 providing merchants with a better processing platform versus traditional credit card terminals, X-Charge™ helps the merchant reduce the expense of accepting credit card payments by:

Watch The X-Charge™ Video
Windows Media Player - broadband or higher

Watch the X-Charge™ Video
Windows Media Player - 56K or lower connection

Transmitting all of the required information to the card-processing network. This guarantees that the merchant will receive the lowest possible discount rate.
Uses only one phone line 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. 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 charge-backs by allowing them to quickly reference the original receipt.
Once a connection to the processing network is established, credit card authorizations can be performed as quick as 2 seconds!
Program Setup configuration only requires two parameter entries. These are the merchant ID and Banking ID. All of the complicated communications and network routing settings are pre-configured within the software.
The standard Answer/Request file format is fully supported for integration with existing software. This allows X-Charge™ to replace older products such as ICVerify™.
The same software application can run stand-alone or act as a central server for multiple stations.
Supports automated time initiated batch closeouts or merchant initiated batch closings.

Features

Operating System:
° Windows NT, 2000, XP-Pro,
Vista

Processing Types:
° Sale
° Credit
° Return
° Preauth/Postauth
° Force
° Void
° PINPad Debit
° Canadian CC and Debit
° Check Approval

Features:
° Visa-CISP Validated Payment
   Application
° Multiple Merchant ID Support
° FREE SDK and integration
   assistance
° Internet processing with
   automatic modem backup

Reports:
° Transaction Detail
° Transaction Type
° Card Type Sumry
° Credit Card Totals by Day
° Settlement Sumry

Interface Methods:
° Text File Swap
(request/answer)
° XML Document File Swap
° XML via TCPIP
° COM Object
° 'eXpress Link' -FAST
implementation

(Launch the X-Charge program and pass important parameters)

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

Settlements are simplified through the X-Charge™ "Time Initiated" feature. X-Charge™ 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™ provides all of the necessary features and functionality to allow these types of merchants to assign cash drawer responsibility at an employee/shift level.

X-Charge Credit Card Processing Software Screen Shot
X-Charge™ screen shot

To find out more about X-Charge™ and how it can save you money, please give us a call, toll-free at 1-866-840-4443. You can also email us at sales@x-charge.com.

X-Charge Credit Card Processing Software Standalone Swipe

Download the X-Charge Product Sheet