Authorize.net enables you to accept credit card payments through your website in real-time. It establishes a secure connection between your website and the processing server to ensure a smooth transfer of you customers’ sensitive credit card data.
FEATURES & BENEFITS
| Virtual Terminal | Allows you to accept online payments through your website, enter telephone orders manually, process refunds, etc. |
| Security | Uses 128-bit SSL technology and it Payment Card Industry (PCI) Data Security Standard Compliant. The Secure Sockets Layer (SSL) ensures that all Internet Protocol (IP) transactions are secure. |
| Fraud Prevention | Includes standard adjustable fraud settings to help minimize risk with an optional upgrade to Fraud Detection Suite (FDS) for more advanced fraud settings. |
| Billing Services | Enables you to bill your customers more than once without storing their personal information on your computer. The option to add Automated Recurring Billing (ARB) is also available to automatically bill your customers on a periodic basis. |
| Online Account Management | Log into your secure account for real-time reports showing transaction history and daily totals. |
| Technical Support | Provides free support via telephone, chat, and email seven days a week. |
| QuickBooks Integration | Allows you to easily integrate the information from your payment gateway into QuickBooks. |
| Risk Management | Ensures you never need to store sensitive data on your computer – Authorize.net safeguards it in a secure data center. |
| Certified Shopping Cart Directory | These shopping cart solutions are certified against rigid Authorize.Net-dictated performance and security standards. |
How Authorize.net Works Diagram
![]() |
Step 1: The merchant submits a credit card transaction to the Authorize.Net Payment Gateway on behalf of a customer via secure connection from a Web site, at retail, from a MOTO center or a wireless device. |
| Step 2: Authorize.Net receives the secure transaction information and passes it via a secure connection to the Merchant Bank’s Processor. | |
| Step 3: The Merchant Bank’s Processor submits the transaction to the Credit Card Interchange (a network of financial entities that communicate to manage the processing, clearing, and settlement of credit card transactions). | |
| Step 4: The Credit Card Interchange routes the transaction to the customer’s Credit Card Issuer | |
| Step 5: The Credit Card Issuer approves or declines the transaction based on the customer’s available funds and passes the transaction results, and if approved, the appropriate funds, back through the Credit Card Interchange. | |
| Step 6: The Credit Card Interchange relays the transaction results to the Merchant Bank’s Processor. | |
| Step 7: The Merchant Bank’s Processor relays the transaction results to Authorize.Net. | |
| Step 8: Authorize.Net stores the transaction results and sends them to the customer and/or the merchant. This communication process averages three seconds or less! | |
| Step 9: The Credit Card Interchange passes the appropriate funds for the transaction to the Merchant’s Bank, which then deposits funds into the merchant’s bank account. |
learn more
learn more
Copyright © 2007 InternetMerchant, a Merchant Resource Group Company. All rights reserved. design: <NV>