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

Process 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 S

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

S S

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

S S

Email receipts to your customers, bookkeepers, etc.

S S

Ability to void transactions that have not been settled.

S S

Authorize transactions in the field.

S 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 (a 'Pay Now' button) on a merchant's webpage. 
Merchants have the ability to add their logo, add and label a button for single or recurring payments.

S O O

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

S O O

Email a customizable Payment Link and invoice to customers.
Merchants can attach an invoice in different formats, such as .csv, .docx, .pdf, .rtf, .txt, or xlsx files.

S O O

Merchants have the capability to define additional data fields and buttons (discretionary data elements) the customer will use during checkout.

O O

Email confirmation receipts, for each approved transaction.

O O O

Merchants can provide the option of allowing customers to securely store payment information for future purchases.

O O

Prevent fraudulent transactions using recaptcha.

S S S

Track customer usage. Merchants have the ability to view past transactions.

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

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

S O

Process enabled payment methods, such as credit card and ACH transactions.

S O

PayTrace creates HTML code to the payment link merchants can add to their web site.

S O

Send a customizable email with a request for payment, or request for donation.

S O

Customizable PayTrace hosted interface enables merchants to brand their website by uploading their logo and color scheme.

S O

Allow customers to set-up recurring donations.

O

Merchants have the capability to define additional data fields and buttons (discretionary data elements) the customer will use during checkout.

O

Allow customers to securely store their donation information for future payments.

O

Prevent fraudulent transactions using recaptcha.

S S

Track customer donations. Merchants have the ability to view past transactions.

S S
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.

*TSYS at this time only.

O O

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

O O

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

O O

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 O

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

O O

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

O O

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

O O

API test account available for testing account purposes.

*TSYS only at this time.

S S
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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