Using Functional Credit Card Software

In the world of credit cards, it is important to have comprehensive processing credit card software that can handle the bulk of credit card transactions. The credit card software should be reliable, fast and secure and should be able to cover a wide range of payment transactions including credit, debit, stored value gift and even checks.

One of the credit card software available in the market which is exclusive for a PC platform is the PC Charge Pro. The credit card software boasts of having a whole bunch of features which allows it to process practically all kinds of cards. Among its notable features is the ability to file import and export as well as handle customer database and adjust user permissions. The credit card software can cover multiple payment types like credit cards, debit cards, EBT and check verification and complies with the current standards for Visa, MasterCard, American Express, and Discover. This credit card software supports single or multi-users and have unlimited merchant numbers. Hardware requirements are not that high. The minimum 600MHz processor and 256MB RAM requirements are very much covered by standard PC setup nowadays.

Another credit card software solution which claims to be a low maintenance solution is the ICVerify solutions. The application features multi-user and multi-merchant capabilities. The software also allows multiple installations in a network which permits it to transact across a single connection. ICVerify also supports Level II and Level III Visa and MasterCard purchasing card data. It supports Windows 98 to XP Home and Professional operating software. Hardware requirements are pretty low. It works with IBM-compatible PC and at least Pentium 200 processors. Likewise, RAM and space requirements are 64MB and 40 to 60MB respectively.

CAM Commerce Solutions’ X-Charge credit card software is another application that boasts of fast and secure payment processing. X-Charge software can be used either as a stand alone card terminal or can be integrated with existing POS (Point of Sale) applications. The application features keyboard card swipe, external file processing and auto comm restart. It accepts sale, credit, return, void, check services and gift card transactions and is able to provide detailed transaction reports as well as card type and settlement summary reports. It works on Windows XP, Windows 2000, Windows Vista Business and Vista Ultimate.

For credit card software for both Mac and PC, there’s the JPOS system. A Java based platform, JPOS will work on any Windows PC, laptop, or Apple Mac system with an Internet connection. The software meets up to date PCI compliance standard for Visa, MasterCard, American Express, and Discover. It features additional security with the CVV2 fraud protection and an encrypted database. JPOS also supports single or multi-users, card readers and has a customizable search and reporting features. System requirements are pretty standard. It is supported by all the versions of MAC operating system and for Windows the application supports Windows NT, Windows 2000, XP (all versions) and Vista. Hardware requirements should be at least a 166 MHz processor with an Internet connection.

TakeCharge is another multi-platform credit card software which offers easy and straight forward transactions. Among its main features include handling practically all kinds of transactions from simple credit cards to recurring billing charges, file import and user permissions, comes two user licenses and unlimited merchant numbers and customizable user interface. It runs on both Windows and Mac. Real time or offline processing is possible and with user level password protection, the software provides controlled permissions at all levels. For PC it is supported by Windows 98, NT, 2000 or XP. No support yet for Vista. For Mac its OS X v10.0 or later.