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PayTrace Product Comparison Matrix
| General Software Features | Basic | Pro | Cash Adv* |
|---|---|---|---|
| Web-based payment processing software accessible via any internet enabled browser. | S | S | S |
| Creation of an unlimited number of unique user logins. | S | S | |
| Creation of up to three unique user logins. | S | ||
| Compatible with most keyboard emulation card reading solutions. Please see the recommended hardware page for more information. | S | S | S |
| Compatible with most receipt printers. Please see the recommended hardware page for more information. | S | S | S |
| Ability to link multiple PayTrace accounts together. | S | S | |
| Customizable interface enabling you to upload your own logo and color scheme. | S | S | S |
| Data Security & Fraud Reduction Features | Basic | Pro | Cash Adv* |
| No payment data is stored locally on your network, computer(s) or premises by PayTrace. | S | S | S |
| SSL encryption ensures all data is secure during transit. | S | S | S |
| Data stored in redundant high-security data facilities | S | S | S |
| PCI DSS Certified as a Level 1 Service Provider annually since 2005. | S | S | S |
| Multi-factor authentication log-in process to ensure only authenticated users may access your account. | S | S | S |
| Customizable user permissions allow you to control which users can perform various operations. | S | S | S |
| Definable time threshold before inactive sessions "time out". | S | S | S |
| Ability to monitor unsuccesful log-in attempts. | S | S | S |
| Ability to allow or deny access from specific IP addresses. | S | S | |
| Limit duplicate transactions within a defined period of time | S | S | S |
| Require certain information (such as billing address, CSC/CVV, etc) be entered in order to process a transaction. | S | S | S |
| Ability to auto-void transactions that don't receive the expected CSC and/or address verification responses. | S | S | S |
| Pre-integrated payment/donation shopping cart.. | S | O | |
| Customer Support | Basic | Pro | Cash Adv* |
| A commitment to exceed your customer service expectations. | S | S | S |
| 24 hour a day, 7 day a week email support. | S | S | S |
| Telephone support during extended business hours. | S | S | S |
| Training Videos to assist with common training needs. | S | S | |
| A users' forum addressing many FAQ's: http://PayTrace.net. | S | S | S |
| Credit Card Processing | Basic | Pro | Cash Adv* |
| Process credit card transactions for Visa, MasterCard, Discover, American Express, Diner's Club, and JCB. | S | S | S |
| Swipe credit card transactions through a compatible card reader. | S | S | S |
| Key/manually enter credit card transactions. | S | S | |
| Process credit card transactions using information from stored customer profiles. | S | ||
| Process multiple credit card transactions at once using information from multiple stored customer profiles. | S | ||
| Store credit card transactions to be processed on a specific date or through manual submission at a later time. | S | S | |
| Void credit card transactions. | S | S | S |
| Refund credit card transactions. | S | S | S |
| Partially refund credit card transactions. | S | S | S |
| Capture and modify credit card transactions before settlement. | S | S | S |
| Customizable default data fields for credit card transactions. | S | S | S |
| Add custom data fields (discretionary data elements) to transactions for reporting purposes. | S | S | |
| Manually settle credit card transactions. | S | S | |
| Automatic settlement of credit card transactions on a daily basis. | S | S | S |
| Ability to choose the time at which credit card auto-settlement occurs. | S | S | |
| Business, Corporate, & Purchasing Card Processing | Basic | Pro | Cash Adv* |
| Process Level II Data needed to qualify some business and corporate cards at the lowest possible rates. | S | S | S |
| Process Level III Data needed to qualify most business, corporate, and purchasing cards at the lowest possible rates. | S | S | |
| Mobile Application | Basic | Pro | Cash Adv* |
| Mobile application that is accessible from your web-enabled hand held device, including your iPhone™, Blackberry™, etc. | S | S | S |
| Complete processing, managing, and reporting functionality for all enabled payment types. | S | S | S |
| Create and manage customer profiles. | S | ||
| Receipts & Reports | Basic | Pro | Cash Adv* |
| View complete transaction details and receipts for up to 24 months (2 years) using convenient search functionality. | S | S | S |
| Download CSV/Spreadsheet reports to your computer for additional inference or backup. | S | S | S |
| Email receipts to your customers, bookkeepers, etc. | S | S | S |
| Print receipts on standard office and receipt printers. Please see the recommended hardware page for more information. | S | S | S |
| Automatically print a receipt with each transaction, if you choose. | S | S | S |
| Customize receipt header and footer content. | S | S | S |
| Automatically disctribute custom reports via email. | S | S | S |
| Create up to 15 custom reports. | S | S | |
| Create up to 3 custom reports. | S | ||
| Add custom data fields (discretionary data elements) to transactions for reporting purposes. | S | S | |
| Store cash and check transactions in your PayTrace account for reporting purposes. | S | S | S |
| Customer Profile Storage | Basic | Pro | Cash Adv* |
| Securely store valuable customer data, including payment information, for up to 5000 customers. | S | ||
| Purchase additional customer profile data storage if needed. | O | ||
| Store credit and check card, gift card, and/or checking account information for each customer. | S | ||
| Email notification when a customer profile's credit card is close to expiring. | S | ||
| Add and store additional information fields (discretionary data elements) within the customer profile. | S | ||
| Import and export customer profile data. (Only truncated payment information is available for export from the system.) | S | ||
| Pre-Integrated Product Shopping Cart | Basic | Pro | Cash Adv* |
| Link your website to a PayTrace hosted searchable product catalog or place buy-buttons next to products on your website. | O | ||
| Process transactions for all enabled payment methods (credit card, gift card, and e-check transactions). | O | ||
| Create, manage, import and export product profiles in the product catalog. | O | ||
| Upload product images to the product catalog for display in the product catalog, during checkout, and on receipts. | O | ||
| Product catalog can accommodate downloadable electronic products and registration codes. | O | ||
| Customizable PayTrace hosted checkout inteface enabling you to upload your own logo, background image, and color scheme. | O | ||
| Calculate and include shipping costs in real-time as quoted from most major shipping providers. | O | ||
| Recoup sales tax based on shipping state and county. | O | ||
| Definable additional data fields (discretionary data elements) to be filled out by the customer upon checkout. | O | ||
| Email confirmation receipts, including inventory status, for each approved order. | O | ||
| Allow customers to store their payment information for future access. | O | ||
| Authentication text functionality available to help prevent fraudulent transactions. | O | ||
| Ability to deny transactions from select countries. | O | ||
| Track shopping cart usage by customers overtime. | O | ||
| Create and manage coupon codes for use through the shopping cart. | O | ||
| Create threshold discounts for use through the shopping cart. | O | ||
| Track and manage product inventory. | O | ||
| Pre-Integrated Payment/Donation Shopping Cart | Basic | Pro | Cash Adv* |
| Accept online payments/donations of a customer/donor determined amount. | S | O | |
| Process transactions for all enabled payment methods (credit card, gift card, and e-check transactions). | O | ||
| Create an HTML link/button to the shopping cart for placement on your web site. | S | O | |
| Send a customizable email with a request for payment/appeal for donation. | S | O | |
| Customizable PayTrace hosted interface enabling you to upload your own logo, background image, and color scheme. | S | O | |
| Allow customers to set-up recurring payments/donations. | O | ||
| Definable additional data fields (discretionary data elements) to be filled out by the customer upon checkout. | O | ||
| Allow customers to store their payment/donation information for future access. | O | ||
| Authentication text functionality available to help prevent fraudulent transactions. | O | O | |
| Track shopping cart usage by customers/donors over time. | O | O | |
| Application Programming Interface (API) | Basic | Pro | Cash Adv* |
| Web service based software integration module allows third party software to interface with PayTrace. | O | ||
| Process transactions for all enabled payment methods (credit card, gift card, and e-check transactions). | O | ||
| TAbility to process transactions, email receipts, manage customers, calculate shipping, and manage recurring payments. | O | ||
| Utilize the Secure Checkout feature to eliminate the need for third party software to handle any payment data. | O | ||
| No software installation or registration is required on the computer(s) running third party software. | O | ||
| Run on any operating system that supports web service, including Linux™, Unix™, and Windows™. | O | ||
| API Error Log tracks real-time errors generated through the API in order to allow fo easy de-bugging and troubleshooting. | O | ||
| Code samples and a detailed integration guide are available to ease the integration process for developers. | O | ||
| API test account available for testing account purposes. | O | ||
| E-Check/ACH Processing | Basic | Pro | Cash Adv* |
| Process e-check transactions directly to/from your customer's checking account. | O | ||
| Key/manually enter e-check transactions. | O | ||
| Process e-check transactions using information from stored customer profiles. | O | ||
| Process multiple e-check transactions at once using information from multiple stored customer profiles. | O | ||
| Process recurring e-check transaction with the addition of the PayTrace Recurring Payment Module. | O | ||
| Process e-check transactions through one of the PayTrace Shopping Cart options. | O | ||
| Process e-check transactions through the PayTrace API options. | O | ||
| Refund/credit e-check transactions. | O | ||
| Partially refund/credit e-check transactions. | O | ||
| Customizable default data fields for e-check transactions. | O | ||
| Add custom data fields (discretionary data elements) to e-check transaction for reporting purposes. | O | ||
| Automatic e-check transaction settlement on a daily basis. | O | ||
| Gift Card Processing | Basic | Pro | Cash Adv* |
| Process stored value transactions through supported gift card processing networks. | O | ||
| Accept gift cards for payment via all enabled processing solutions including Virtual Terminal, Mobile, Shopping Carts, and API. | O | ||
| Create gift cards. | O | ||
| Add value to existing gift cards. | O | ||
| Replace a gift card. | O | ||
| View the balance on a gift card. | O | ||
| Delete a gift card. | O | ||
| Recurring Payment | Basic | Pro | Cash Adv* |
| Create recurring payments that will be processed automatically on an annual, quarterly, monthly, bi-weekly, weekly, or daily basis. | O | ||
| Automatically email receipts to internal employees and customers when recurring payments have processed. | O | ||
| Specify a start date, number of processing occurrences, and transaction amount for each payment. | O | ||
| Specify the number of times the recurring payment will be processed. | O | ||
| Modify a recurring payment that has already been initiated. | O | ||
| Batch Uploading | Basic | Pro | Cash Adv* |
| Upload credit card transactions from external files in comma separated value (CSV) format for real-time processing. | O |
S = Standard, O = Optional
* Cash Advance is only available to Financial Institutions based on rules and regulations established by Visa and MasterCard.