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Value Added Features

Cardpay Solutions provides an industry leading set of value-added features that empowers both traditional and high-risk e-commerce merchants to process secure transactions quickly and easily from anywhere that has Internet access.

Virtual Terminal

The Virtual Terminal allows merchants to process transactions anywhere in the world from web-enabled devices. The Virtual Terminal supports various payment methods including ACH, credit cards and debit cards.

  • Real time form field validation - Helps eliminate key-entry errors by highlighting invalid fields and providing positive reinforcement for valid entries.
  • Ability to use encrypted card readers - Secure card readers allow merchants to accept card present transactions. This lowers the risk of fraud and allows merchants to receive discounted processing rates.
  • Customer Tokenization - While using the Virtual Terminal, merchants may elect to save sensitive customer data in the Customer Vault for future billing purposes.

Three Step Redirect API

The Three Step Redirect API methodology ensures secure data transmission by keeping merchants from seeing, touching, handling, transmitting, and even storing any sensitive payment information.

By taking merchants outside the scope of handling sensitive payment information, the Three Step Redirect API minimizes the cost and complexity of industry regulations and standards; especially the Payment Card Industry Data Security Standard (PCI-DSS).

The customer never knows they left the merchants website. The seamless look and feel is always kept throughout the process.

Recurring Billing

Recurring billing allows merchants to charge customers via multiple payment methods including credit card, debit card or electronic check on regular intervals through saved billing schedules.

The payment gateway has two distinct Recurring methodologies:

Subscription Based Recurring Model - Merchants set a unique billing schedule for each customer. For example, a merchant may establish a billing cycle for Customer A of $20 on the 15th of every month and Customer B of $50 on the 1st of every month.

Plan Based Recurring Model - Merchants establish pre-defined billing plans and link customer(s) to the specific plan. For example, a merchant may offer a variety of services at different price points. An important benefit to the Plan Based Model occurs when the merchant updates a plan - a single change affects many customers all at once, instead of updating each customer subscription individually.

Tokenization (Customer Vault)

The Customer Vault allows merchants to transmit their payment information through a Secure Sockets Layer (SSL) connection for storage in our Level 1 PCI certified data facilities. Once the customer record has been securely transmitted to the Customer Vault, the merchant can then initiate transactions remotely without having to access cardholder information directly. This process is accomplished without the merchant storing the customer's payment information in their local database or payment application.

Furthermore, using the Three Step Redirect API in conjunction with the Customer Vault allows merchants to process transactions without transmitting any payment information through their web application. This unique approach provides best of class application flexibility without any PCI compliancy concerns.


iSpyFraud is a rule-set based fraud management utility that allows merchants to configure extensive filters to help them in detecting and protecting against fraud and screening suspicious transactions.

iSpyFraud's extensive reporting system gives merchants a quick and easy way to review transactions, block suspicious activity, and zero in on malicious users.

iSpyFraud looks at transactions both before and after processing and can decline transactions before and after authorization. The successful implementation and reduction in chargebacks across numerous merchants has been a testament to the effectiveness of this product.

iSpyFraud allows the user to choose the limit for amount charged in a single transaction, in a day, month, or even a week. iSpyFraud will even allow the user to limit the number of transactions performed in a day or week. These transactions or amounts can be linked to a credit card number or IP address.

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