| Though payments are typically the domain of retailers, a growing range of businesses are beginning to accept credit and debit card payments for goods and services. These include professional offices, such as doctors, dentists, government services and veterinarians. These low volume 'merchants' wish to offer the convenience of card payments, and usually have a PC at one or more workstations. In order to accept card payments, a stand-alone payment terminal is used alongside the PC. This set-up has several limitations. First, the cost of payment terminals often prohibits the business from placing one at each workstation, making it more difficult for staff to access. Second, the existing broadband network may not be fully maximized, with the business paying for an extra dial line to process transactions. Finally, because the equipment and applications in this scenario are not integrated, there is no possibility of adding peripherals such as a receipt printer, pinpad, or scanner. |
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Non-traditional 'merchants' in offices can take advantage of the TransNet Virtual Terminal (VT) solution for fully integrated, secure payment processing. TransNet-VT is a payment engine application that is housed on a secure router, provided by Precidia or Cisco (Application eXtension Platform). When connected to a PC system, it seamlessly performs the payment function in the background, displaying a customized user interface for entering payment data. By choosing TransNet-VT to process payments, businesses can accept payments at multiple workstations without any additional equipment. There is no need for a dedicated dial line for payment processing, and the solution is fully secure. Although the payment function is now fully integrated with workstation PCs, the application itself resides on the router, making this solution the most secure in the industry.
When used with a dial terminal, TransNet offers several key benefits: First, faster, more cost effective broadband–based transaction processing, with full security. Dial and IP based terminals can take advantage of TransNet’s winning approach to payments: the router-based design allows for the integration of multiple dial or serial based store peripherals, and field terminals in any location can be accessed remotely for application changes at any time.
This capability makes TransNet truly a 'one-stop' solution to card acceptance and processing. TransNet can also work with any existing application, providing the familiarity of known interfaces with the security of TransNet, behind the scenes.
The solution also features a virtual terminal (VT) interface, which guides the user through transactions using the terminal’s existing display.
TransNet works transparently behind the scenes, constructing the transaction into its appropriate format for transport from the PC to the processor's host. The POSLynx220 or Cisco router transports these transactions to the host, while delivering peace of mind with features such as SSL, field tested firewalling and dial back-up.
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TransNet-VT delivers unique benefits to businesses including:
- Fully integrated solution requires no POS equipment
- PCI Compliance management for now and the future
- Secure payments solution for vulnerable PCs, with field tested firewalling and SSL encryption
- Pre-certified to all major processors
- Hardware integration for additional devices, such as check readers, scanners, security cameras or even ATMs
- User-friendly payment interface(TransNet-VT) takes transaction data at point-of-sale
- NetVu delivers remote application downloads, configuration and problem detection, offering new 24/7 support capabilities
- Proven reliability with features such as automatic dial back-up in case of network failure
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