OptimalPayments.com

URL: http://www.optimalpayments.com

Optimal Payments provides services for merchants who want to accept credit card, debit card, and electronic check payment for retail, Internet, mail order, and telephone sales.

Optimal Payment solutions are very easy for all merchants; you don?t need to be an expert in credit card business. Optimal Payments will help you start to accept credit cards online.

Optimal Payments has the optimal online payment solution for any business - from easy connectivity options, to cutting-edge fraud protection tools.

Optimal Payments has own payment gateway with many useful options and all the vital processing components for online business requirements:

5 distinct connectivity options - Secure Payment Page, Virtual Terminal, Recurring Billing, Batch Processing, and Application Program Interface (API);

• Multi-currency processing in GBP, EUR, CAD, USD, and more;
• Easy-to-use Web interface to process orders via a Web site or by phone;
• Perfect fraud-detection system eliminates unauthorized orders;
• Customer service and technical support teams ensure an easy set-up;
• Online, real-time transaction reporting;
• No annual fees, no gateway fees, and no minimum processing fees;
• Fast payment options - there is no need to change your current banking relationships.

Optimal Payments gateway connectivity options offer also following benefits:

Secure Payment Page
This option is used by those merchants who want to process secure credit card payments via the Internet, without requiring a secure Web site or programming expertise. It is very easy to integrate, because you only have to add a single HTML link to your Web site.
Optional Payments also provides special program that generates this link for you, so the process becomes much simpler.

Virtual Terminal
It is used by merchants for processing card-not-present mail or telephone sales orders, Virtual Terminal gives you the added freedom, allowing you to process transactions anywhere from any computer connected to Internet.

Recurring Billing
The Optimal recurring billing tool is developed to automate payments that need to be collected periodically and transferred directly into your Optimal merchant account.

Batch Processing

The Optimal batch process gives you an opportunity to easily process multiple transactions at one time, and an immediate response is not required. Authorization, purchase, and settlement requests are completed by creating a file and sending it to Optimal Payments (via a secure connection).

Application Program Interface (API)
API is ideal for merchants who process large volumes of payments via their Web site.
After an easy integration of API you will be able to accept credit and debit card payments directly on your Web site.

Optimal Payments Fees are the following:
monthly fee: $35
application fees: No
minimum monthly volumes: No
discount rate: 2.60% on U.S. dollar transactions;
3.0% on Canadian dollar transactions
transaction fee: $0.35
rolling reserve: 5%