The OTP web-site contains the following major features:

• Welcome Page to introduce the Customer to your OTP service

• Terms of Use Page contains terms and conditions including a privacy policy

• Convenience Fee Page to allow you to recoup costs of processing online payments

• Select your payment method(s):  Credit Card; Check Card; ACH (Checking Accounts or Savings Accounts)

•  Capture the right personal information to meet ACH guidelines

• Capture Credit Card, Check Card, Checking Account, or Savings Account information to assure accurate and timely payments

•  Provide Confirmations to the Customer to allow tracking of the payment

•  Integrated payment tracking via the PDS IPS Select CSR View product

PDS provides tools to help reduce Credit Card and ACH fraud and risk. 

  Credit Card fraud and risk reduction tools INCLUDED:

•  LUHN10 Check to verify if the credit card number is correctly formatted

•  IP Frequency Check to identify repetitive transaction attempts from the same IP address

•  Credit Card Number Frequency Check to identify repetitive transaction attempts form the same credit card

•  Negative Database to eliminate up-front known fraudulent, stolen, or charge-backed credit card numbers

• Address Verification Check to verify billing address data captured as compared to what you have in your database

 Credit Card fraud and risk reduction tools OPTIONAL:

• IP Address Frequency Check to allow you to define your own frequency limits on repetitive transactions from the same IP address

• Credit Card Number Frequency Check to allow you to define your own frequency limits on repetitive transactions from the same credit card

• Positive Database to allow automatic passing of certain credit card numbers you identify

• Card Verification Value 2 (CVV2) to capture the 3 digit number found on the signature plate of most credit cards to verify the card is present when the transaction is being made

• Address Verification Check alternatives to allow stricter address verifications or more lenient checks depending on your needs

ACH Fraud and Risk Reduction Tools OPTIONAL:

MatchTrac verifies the validity of a bank routing number.  PDS provides this service through a partnership with Thomson Financial Publishing. 

With MatchTrac you can:

• lookup bank name by routing number

• quickly identify data entry errors of routing number
• identify inactive or retired routing numbers due to bank merger or acquisition
• identify credit unions and financial institutions whose rules do not allow debit or credit ACH transactions to post to savings or checking accounts
• can accomplish the above in real-time or batch

VeriTrac verifies the validity of routing numbers PLUS has the ability to verify that the account number is recognized through the “STAR” ATM network as an open account and is not currently in overdraft status. 

With VeriTrac you can:

• recognize items drawn on closed accounts
• recognize items drawn on accounts currently in overdraft status
• identify inactive or retired routing numbers due to bank merger or acquisition
• identify financial institutions with valid routing numbers that do not accept ACH transactions
• can accomplish the above in real-time or batch

PDS provides you with sample Privacy Policy and Terms and Conditions that can be tailored to your needs or incorporated directly into your new One Time Pay web-site.

PDS provides you with an Implementation Methodology incorporating a comprehensive web-site Design Guide to step you through the requirements identification process to ensure your One Time Pay site is branded with the look and feel of your own corporate web-site.