Payment Platform Comparison Matrix
S = Standard, O = Optional
General Software Features
| General Software Features | Basic | Pro | Trace AR™ |
|---|---|---|---|
| Web-based payment processing software accessible via any internet-enabled browser. | S | S | S |
| Creation of an unlimited number of unique user profiles. | S | S | |
| EMV compatible. | S | ||
| Compatible with most receipt printers. Please see the recommended hardware page for more information. | S | S | |
| Ability to link multiple PayTrace accounts together. | S | S | |
| Customizable interface enabling you to upload your own logo and color scheme. | S | S | S |
Data Security & Fraud Reduction Features
| Data Security & Fraud Reduction Features | Basic | Pro | Trace AR™ |
|---|---|---|---|
| No payment data is stored locally on your network, computer(s) or premises. | S | S | S |
| SSL encryption ensures all data is secure during transit. | S | S | S |
| Data stored in redundant high-security data facilities. | S | S | S |
| PCI DSS Certified as a Level 1 Service Provider annually since 2005. | S | S | S |
| Multi-factor authentication sign-in process to ensure only authenticated users may access your account. | S | S | |
| Customizable user permissions allow you to control which users can perform various operations. | S | S | S |
| Definable time threshold before inactive sessions "time out". | S | S | |
| Ability to monitor unsuccessful sign-in attempts. | S | S | |
| Ability to allow or deny access from specific IP addresses. | S | ||
| Limit duplicate transactions within a defined period of time. | S | S | |
| Require certain information (such as billing address, CSC/CVV, etc.) be entered in order to process a transaction. | S | S | S |
| Ability to auto-void transactions that don't receive the expected CSC and/or address verification responses. | S | S |
Customer Support
| Customer Support | Basic | Pro | Trace AR™ |
|---|---|---|---|
| A commitment to exceed your customer service expectations. | S | S | S |
| 24/7 email support. | S | S | S |
| Telephone support during business hours Monday–Friday, 5am–7pm PST. | S | S | S |
| Training Videos to assist with common training needs. | S | S | S |
| A Help Center addressing FAQs. | S | S | S |
| Merchant assistance to integrate payments with accounting, inventory, ERP systems, existing business processes and software applications. | S | S | S |
Credit Card Processing
| Credit Card Processing | Basic | Pro | Trace AR™ |
|---|---|---|---|
| Process credit card transactions for Visa, MasterCard, Discover, American Express, Diner's Club, and JCB. | S | S | S |
| Process credit card transactions through a compatible card reader. | S | S | |
| Key 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 | ||
| 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 |
| Refund or partially refund credit card transactions. | S | S | S |
| Capture and modify credit card transactions before settlement. | S | S | |
| Option to add a compliant surcharge to qualifying credit card transactions. | O | O | |
| Customizable default data fields for credit card transactions. | S | S | S |
| Add custom fields (discretionary data) to transactions for reporting purposes. | S | S | |
| Manually settle credit card transactions. *TSYS only | S | ||
| Automatic settlement of credit card transactions on a daily basis. | S | S | S |
| Ability to choose the time at which credit card auto-settlement occurs. *TSYS only | S |
Business, Corporate, & Purchasing Card Processing
| Business, Corporate, & Purchasing Card Processing | Basic | Pro | Trace AR™ |
|---|---|---|---|
| Automatically process Level II Data needed to qualify some business cards at the lowest possible rates. | S | S | S |
| Process Level III Data needed to qualify most corporate, purchasing, and government cards at the lowest possible rates. | S | S |
Mobile Application
| Mobile Application | Basic | Pro | Trace AR™ |
|---|---|---|---|
| Create and manage customer profiles. | S | ||
| Mobile application that is accessible for mobile devices, including most Apple® and Android® devices. | S | ||
| Complete processing, managing, and reporting functionality for all enabled payment types. | S | ||
| Email receipts to your customers, bookkeepers, etc. | S | ||
| Ability to void transactions that have not been settled. | S |
Receipts & Reports
| Receipts & Reports | Basic | Pro | Trace AR™ |
|---|---|---|---|
| View complete transaction details and receipts for up to 24 months (2 years) using convenient search functionality. | S | S | S |
| Download CSV/Spreadsheet reports to your computer for additional inference or backup. | S | S | S |
| Email receipts to your customers, bookkeepers, etc. | S | S | S |
| Print receipts on standard office and receipt printers. Please see the recommended hardware page for more information. | S | S | |
| Automatically print a receipt with each transaction if you choose. | S | S | |
| Customize receipt header and footer content. | S | S | |
| Automatically distribute custom reports via email. | S | S | |
| Create custom reports. | S | S | |
| Add custom data fields (discretionary data elements) to transactions for reporting purposes. | S | S | |
| Store cash and check transactions in your PayTrace account for reporting purposes. | S | S |
Customer Profile Storage
| Customer Profile Storage | Basic | Pro | Trace AR™ |
|---|---|---|---|
| Securely store valuable customer data, including payment information. | S | S | |
| 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 | ||
| Add and store additional information fields (discretionary data elements) within the customer profile. | S | ||
| Import and export customer profile data. (Only truncated payment information is available for export from the system.) | S | S |
Pre-Integrated Payment Link
| Pre-Integrated Payment Link | Basic | Pro | Trace AR™ |
|---|---|---|---|
| Place a customizable payment link (a 'Pay Now' button) on a merchant's webpage. Merchants have the ability to add their logo and label a button for single or recurring payments. | S | O | S |
| Process transactions for all enabled payment methods (credit card, and e-check transactions). | S | S | S |
| Email a customizable Payment Link to customers and attach additional documents. | S | O | S |
| Add custom data fields (discretionary data). | O | S | |
| Email confirmation receipts, for each approved transaction. | S | S | S |
| Customers can securely store their payment information for future payments. | O | S | |
| Option to add a surcharge to credit card transactions. | O | O | |
| Prevent fraudulent transactions using reCAPTCHA. | S | S | |
| View past transactions. | S | S | S |
Application Programming Interface (API)
| Application Programming Interface (API) | Basic | Pro | Trace AR™ |
|---|---|---|---|
| Web service-based software integration module allows third party software to interface with PayTrace. | O | S | |
| Process transactions for all enabled payment methods (credit card and ACH transactions). | O | ||
| The ability to process transactions, email receipts, manage customers, calculate shipping, add a surcharge, and manage recurring payments. | O | S |
|
| Utilize the Secure Checkout feature to eliminate the need for third party software to handle any payment data. Merchants, or developers can directly integrate with the secure checkout API. | O | ||
| Run on any operating system that supports web service, including Linux, Unix, and Windows. | O | S |
|
| API Error Log tracks real-time errors generated through the API in order to allow for easy debugging and troubleshooting. | O | ||
| Code samples, API reference guide, and Postman testing API collection are available to simplify the integration process for developers. | O | S |
|
| Sandbox account for testing account purposes. | S | S |
ACH Processing
| ACH Processing | Basic | Pro | Trace AR™ |
|---|---|---|---|
| Process ACH transactions directly to/from your customer's checking account. | O | S | |
| Key/manually enter ACH transactions. | O | S | |
| Process ACH transactions using information from stored customer profiles. | O | S | |
| Process recurring ACH transaction with the addition of the PayTrace Recurring Payment Module. | O | S | |
| Process ACH transactions through Payment Link. | O | S | |
| Process ACH transactions through the PayTrace API. | O | S | |
| Refund/credit ACH transactions. | O | S | |
| Partially refund/credit ACH transactions. | O | S | |
| Customizable default data fields for ACH transactions. | O | S | |
| Add custom data fields (discretionary data elements) to ACH transactions for reporting purposes. | O | S | |
| Automatic ACH transaction settlement on a daily basis. | O | S |
Recurring Payment
| Recurring Payment | Basic | Pro | Trace AR™ |
|---|---|---|---|
| Create recurring payments that will be processed automatically on predetermined frequencies. | O | S | |
| Automatically email receipts. | O | O | |
| Specify a start date, number of processing occurrences, and transaction amount for each payment. | O | S | |
| Specify the number of times the recurring payment will be processed. | O | S | |
| Modify a recurring payment that has already been initiated. | O | S | |
| Option to add a surcharge to credit card transactions. | O | O |
Surcharging
| Surcharging | Basic | Pro | Trace AR™ |
|---|---|---|---|
| Option to add a surcharge to credit card transactions. | S | S |
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