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 shopping cart. S O    
Customer Support Basic Pro Pro w/ EMV Cash Adv*
A commitment to exceed your customer service expectations. S S S S
24 hour a day, 7 day a week email support. S S S S
Telephone support during extended business hours. 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
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.   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.   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*
Mobile application that is accessible from your web-enabled hand-held device, including most Apple™ and Android™ devices. 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 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, gift card, and/or checking account information for each customer.   S S  
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 Product Shopping Cart Basic Pro Pro w/ EMV 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 interface 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 over time.   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 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, 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 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, gift card, and e-check 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.   O Coming Soon  
No software installation or registration is required on the computer(s) running third party software.   O Coming Soon  
Run on any operating system that supports web service, including Linux™, Unix™, and Windows™.   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 Coming Soon  
Key/manually enter e-check transactions.   O Coming Soon  
Process e-check transactions using information from stored customer profiles.   O Coming Soon  
Process multiple e-check transactions at once using information from multiple stored customer profiles.   O Coming Soon  
Process recurring e-check transaction with the addition of the PayTrace Recurring Payment Module.   O Coming Soon  
Process e-check transactions through one of the PayTrace Shopping Cart options.   O Coming Soon  
Process e-check transactions through the PayTrace API options.   O Coming Soon  
Refund/credit e-check transactions.   O Coming Soon  
Partially refund/credit e-check transactions.   O Coming Soon  
Customizable default data fields for e-check transactions.   O Coming Soon  
Add custom data fields (discretionary data elements) to e-check transaction for reporting purposes.   O Coming Soon  
Automatic e-check transaction settlement on a daily basis.   O Coming Soon  
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  
Automatically 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  
Batch Uploading Basic Pro Pro w/ EMV Cash Adv*
Upload credit card transactions from external files in comma separated value (CSV) format for real-time processing.   O O  
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