Product Comparison Matrix

*Cash Advance is only available to Financial Institutions based on
rules and regulations established by Visa and MasterCard.

General Software Features Basic Pro Pro w/ EMV Cash Adv*

Web-based payment processing software accessible via any internet enabled browser.

S S S S

Creation of an unlimited number of unique user sign-ins.

S S S

Creation of up to three unique user sign-ins.

S

Compatible with most keyboard emulation card reading solutions. Please see the recommended hardware page for more information.

S S S S

Compatible with most receipt printers. Please see the recommended hardware page for more information.

S S S S

Ability to link multiple PayTrace accounts together.

S S S

Customizable interface enabling you to upload your own logo and color scheme.

S S S S
Data Security & Fraud Reduction Features Basic Pro Pro w/ EMV Cash Adv*

No payment data is stored locally on your network, computer(s) or premises by PayTrace.

S S S S

SSL encryption ensures all data is secure during transit.

S S S S

Data stored in redundant high-security data facilities.

S S S S

PCI DSS Certified as a Level 1 Service Provider annually since 2005.

S S S S

Multi-factor authentication sign-in process to ensure only authenticated users may access your account.

S S S S

Customizable user permissions allow you to control which users can perform various operations.

S S S S

Definable time threshold before inactive sessions "time out".

S S S S

Ability to monitor unsuccessful sign-in attempts.

S S S S

Ability to allow or deny access from specific IP addresses.

S S S

Limit duplicate transactions within a defined period of time.

S S S S

Require certain information (such as billing address, CSC/CVV, etc.) be entered in order to process a transaction.

S S S S

Ability to auto-void transactions that don't receive the expected CSC and/or address verification responses.

S S S S

Pre-integrated payment/donation link.

S O
Customer Support Basic Pro Pro w/ EMV Cash Adv*

A commitment to exceed your customer service expectations.

S S S S

24/7 email support.

S S S S

Telephone support during business hours Monday – Friday, 7am-7pm PST.

S S S S

Training Videos to assist with common training needs.

S S S

A users' forum addressing many FAQs: http://help.PayTrace.com.

S S S S

Merchant assistance to integrate payments with accounting, inventory, ERP, systems, existing business processes and software applications.

S S S S
Credit Card Processing Basic Pro Pro w/ EMV Cash Adv*

Process credit card transactions for Visa, MasterCard, Discover, American Express, Diner's Club, and JCB.

S S S S

Swipe credit card transactions through a compatible card reader.

S S S S

Key/manually enter credit card transactions.

S S S

Process credit card transactions using information from stored customer profiles.

S S

Process multiple credit card transactions at once using information from multiple stored customer profiles.

S S

Store credit card transactions to be processed on a specific date or through manual submission at a later time.

S S S

Void credit card transactions.

S S S S

Refund credit card transactions.

S S S S

Partially refund credit card transactions.

S S S S

Capture and modify credit card transactions before settlement.

S S S S

Customizable default data fields for credit card transactions.

S S S S

Add custom data fields (discretionary data elements) to transactions for reporting purposes.

S S S

Manually settle credit card transactions.
*TSYS at this time only

S S S

Automatic settlement of credit card transactions on a daily basis.

S S S S

Ability to choose the time at which credit card auto-settlement occurs.
*TSYS at this time only

S S S
Business, Corporate, & Purchasing Card Processing Basic Pro Pro w/ EMV Cash Adv*

Process Level II Data needed to qualify some business and corporate cards at the lowest possible rates.

S S S S

Process Level III Data needed to qualify most business, corporate, and purchasing cards at the lowest possible rates.

S S S
Mobile Application Basic Pro Pro w/ EMV Cash Adv*

Create and manage customer profiles.

S

Mobile application that is accessible from your web-enabled hand-held device, including most Apple™ and Android™ devices.

S

Complete processing, managing, and reporting functionality for all enabled payment types.

S
Receipts & Reports Basic Pro Pro w/ EMV Cash Adv*

View complete transaction details and receipts for up to 24 months (2 years) using convenient search functionality.

S S S S

Download CSV/Spreadsheet reports to your computer for additional inference or backup.

S S S S

Email receipts to your customers, bookkeepers, etc.

S S S S

Print receipts on standard office and receipt printers. Please see the recommended hardware page for more information.

S S S S

Automatically print a receipt with each transaction, if you choose.

S S S S

Customize receipt header and footer content.

S S S S

Automatically distribute custom reports via email.

S S S S

Create up to 15 custom reports.

S S S

Create up to 3 custom reports.

S

Add custom data fields (discretionary data elements) to transactions for reporting purposes.

S S S

Store cash and check transactions in your PayTrace account for reporting purposes.

S S S S
Customer Profile Storage Basic Pro Pro w/ EMV Cash Adv*

Securely store valuable customer data, including payment information, for up to 5000 customers.

S S

Purchase additional customer profile data storage if needed.

O O

Store credit and check card, and/or checking account information for each customer.

S S

Merchant Email notification when a customer profile's credit card is close to expiring.

S S

Add and store additional information fields (discretionary data elements) within the customer profile.

S S

Import and export customer profile data. (Only truncated payment information is available for export from the system.)

S S
Pre-Integrated Payment Link Basic Pro Pro w/ EMV Cash Adv*

Place a customizable payment link on a merchant's webpage.

O

Process transactions for all enabled payment methods (credit card, and e-check transactions).

O

Email a customizable Payment Link and attach a .pdf invoice for customers.

O

Definable additional data fields (discretionary data elements) to be filled out by the customer upon checkout.

O

Email confirmation receipts, for each approved transaction.

O

Allow customers to store their payment information for future access.

O

Prevent fraudulent transactions using recaptcha

O

Track cart usage by customers over time. View transactions, not product performance.

O
Pre-Integrated Payment/Donation Link Basic Pro Pro w/ EMV Cash Adv*

Accept online payments/donations of a customer/donor determined amount.

S O

Process transactions for all enabled payment methods (credit card and ACH transactions).

S O

Create an HTML link/button to the payment link 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. Now using recaptcha.

O O

Track shopping cart usage by customers/donors over time.

O O
Application Programming Interface (API) Basic Pro Pro w/ EMV Cash Adv*

Web service based software integration module allows third party software to interface with PayTrace.

O Coming Soon

Process transactions for all enabled payment methods (credit card and ACH transactions).

O Coming Soon

The ability to process transactions, email receipts, manage customers, calculate shipping, and manage recurring payments.

O Coming Soon

Utilize the Secure Checkout feature to eliminate the need for third party software to handle any payment data. Merchants, or developers can directly integration with the secure checkout API.

O Coming Soon

Run on any operating system that supports web service, including Linuxª, Unixª, and Windowsª.

O Coming Soon

API Error Log tracks real-time errors generated through the API in order to allow for easy de-bugging and troubleshooting.

O Coming Soon

Code samples and a detailed integration guide are available to ease the integration process for developers.

O Coming Soon

API test account available for testing account purposes.

O Coming Soon
E-Check/ACH Processing Basic Pro Pro w/ EMV Cash Adv*

Process e-check transactions directly to/from your customer's checking account.

O O

Key/manually enter e-check transactions.

O O

Process e-check transactions using information from stored customer profiles.

O O

Process recurring e-check transaction with the addition of the PayTrace Recurring Payment Module.

O O

Process e-check transactions through one of the PayTrace Payment link.

O O

Process e-check transactions through the PayTrace API.

O O

Refund/credit e-check transactions.

O O

Partially refund/credit e-check transactions.

O O

Customizable default data fields for e-check transactions.

O O

Add custom data fields (discretionary data elements) to e-check transaction for reporting purposes.

O O

Automatic e-check transaction settlement on a daily basis.

O O
Recurring Payment Basic Pro Pro w/ EMV Cash Adv*

Create recurring payments that will be processed automatically on an annual, quarterly, monthly, bi-weekly, weekly, or daily basis.

O O

Ability to email receipts to internal employees and customers when recurring payments have processed.

O O

Specify a start date, number of processing occurrences, and transaction amount for each payment.

O O

Specify the number of times the recurring payment will be processed.

O O

Modify a recurring payment that has already been initiated.

O O
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