Added Value Products

Added Value Products

Authorize.Net offers several added value features to complement its gateway product…

Automated Recurring Billing™ (ARB) 

Save time and increase productivity by letting Maverick handle recurring billings, or “subscriptions”, according to the billing interval and duration you set.

Customer Information Manager 

The Authorize.Net Customer Information Manager (CIM) allows you to store customers’ sensitive payment information on their secure servers, simplifying your compliance with the Payment Card Industry Data Security Standard (PCI DSS) as well as the payments process for returning customers and recurring transactions.

Why should you enable CIM for your business?

• Simplify PCI Compliance – You are concerned with PCI compliance and protecting your customers’ confidential information.
• Process Recurring Transactions or Usage Charges – You bill your customers different amounts or on different days each month, or only when the service is used. (e.g. utility companies or pay-as-you-go cell phones)
• Store Customer Data – You want to provide returning customers with the convenience of not having to re-enter their personal data every time they visit your Web site.
• Provide Payment Flexibility – Your customers can store multiple payment methods for repeat purchases.
• Save Multiple Shipping Locations – Your customers can also save multiple shipping locations.

How CIM Works

CIM supports customer profiles that include billing, payment and shipping information. Each profile is stored on secure servers and assigned an ID that is used in place of all customer information.  Each customer profile can include up to 10 payment profiles and up to 100 shipping profiles.

You can manage customer profiles and issue transactions manually from within the Merchant Interface, or integrate your Web site or other application using an Application Programming Interface (API).  Additionally, in the Merchant Interface you can view and search for customer profiles as well as review a profile’s transaction history.

eCheck.Net® 

Reduce costs while offering your customers an additional payment option.  Accept and process electronic check payments directly from your Website.

For MOTO and Internet

Authorize.Net provides a fully integrated electronic check payment method, eCheck.Net. Using eCheck.Net, merchants can accept and process payments from consumer and corporate bank accounts directly from their Web site or through the Authorize.Net Virtual Terminal.  By accepting electronic checks, you expand the payment options available to new and existing customers, enhancing customer loyalty and potentially increasing sales.

Lower Fees – Lower rates than credit cards or PayPal.

More Efficient – eCheck.Net does everything online, eliminating the cost and inconvenience of manually processing paper checks and waiting for checks in the mail.

Fully Integrated Solution – No third-party integration required—implementing eCheck.Net is easy for merchants already using the Authorize.Net Payment Gateway.

Integrated Reporting – Provides a combined view of all eCheck.Net and credit card payment transactions. Reconcile payment and billing activity using online reports and statements.

Ship Product Sooner – Improved up-front transaction validation that returns the status of transactions faster.

Security – Authorize.Net uses the latest 128-bit Secure Socket Layer (SSL) technology for secure Internet Protocol (IP) transactions.

1. A customer initiates an electronic check transaction, with authorization to charge their bank account, via Web form or mail order/telephone order.Once the transaction is submitted, order and payment information is securely transmitted via the Internet to the Authorize.Net Payment Gateway. The transaction is accepted or rejected based on initial data validation and security criteria defined by the payment gateway.
2. If accepted, Authorize.Net formats the transaction information and sends it as an ACH transaction to its bank (the ODFI) with the rest of the electronic check transactions received that day.
3. The ODFI passes the transaction information to the ACH Network for settlement.The ACH Network uses the bank account information provided with the transaction to determine the bank that holds the customer’s account (the RDFI).
4. The ACH Network instructs the RDFI to charge or refund the customer’s account (the customer is the Receiver).
5. The RDFI passes funds from the customer’s account to the ACH Network. The RDFI also notifies the ACH Network of any returns (in the event that funds for a transaction could not be collected from the customer’s bank account) or chargebacks (in the event that a customer disputes a purchase).In the event of a returned transaction, Authorize.Net will post the return to the merchant.
6. The ACH Network relays the funds for the transaction to the ODFI (Authorize.Net’s bank).
7. The ODFI passes any returns to Authorize.Net.
8. After the holding period, Authorize.Net initiates a separate ACH transaction to deposit eCheck.Net funds to the merchant’s bank account.

Advanced Fraud Detection Suite™ (AFDS) 

Identify, manage and prevent suspicious and potentially costly fraudulent transactions with Authorize.Net’s exclusive customizable, rules-based Advanced Fraud Detection Suite.