Spider Commerce has teamed up with iTransact, Inc to provide you with a low-cost merchant account/gateway all-in-one solution.

iTransact Package *transaction fees not included	$24.95/mo.	$250/mo.
Complete iTransact Registration	Registration	Registration

General Questions:

• How does iTransact's process work?
  
• Why should I use iTransact?
  
• Will my order forms need to reside on iTransact's server?
  
• What fields are required in my order form for the process to work?
  
• How do I (the merchant) get paid?
  
• Do customers need to belong to an online bank to use iTransact's system?
  
• What information do my customers provide for order processing?
  
• How do my customers keep track of the transaction?
  
• How long have iTransact's services been in use?
  
• What prevents the interception of account information on the Internet?
  
• What about my customers who aren't on the Internet? Credit Card Acceptance (RediCharge):
  
• How do I accept credit cards online?
  
• I already have a merchant account. Do I need a new one?
  
• Do I need a credit card terminal or processing software?
  
• Does RediCharge perform address verification (AVS)?
  
• Can I post a credit to a customer's card?
  
• Can I void transactions online? Online Check Acceptance (RediEFT):
  
• How do I accept payments via EFT?
  
• Do I need a merchant account or any special hardware or software?
  
• Can RediEFT transactions be returned by my bank for non-sufficient funds (NSF), etc.?

How does iTransact's process work?

Customer visits your web site* and chooses to buy your product/service.
Customer completes an order form on your web site*, securely providing credit card or check info.
Completed form is submitted to iTransact's secure server for verification.
You receive real-time online authorization from our server.
Order confirmation is immediately sent to you and to customer.
Customer's credit card or checking account is debited; your bank account is credited.
The transaction appears on customer's credit card or checking account statement.
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Why should I use iTransact?
More Sales. With the explosive growth of Internet shopping, you can't afford not to accept payments online. iTransact allows you to give your customers multiple payment options; whether they choose to pay with a credit card or a checking account, they can make their payments immediately--and securely--at your website.
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Simplicity. iTransact provides hands-off payment acceptance. Though you are welcome to enter your customers' orders manually, iTransact is designed to spare you that effort. You don't need to handle any transactions yourself. Your customers can enter their own information--24 hours a day--and iTransact will automatically do the rest. -back to top-

Speed. Your customers' orders are processed in real-time (immediately). Each transaction takes only 5-30 seconds, depending on Internet traffic and the speed of your processor. This enables you to allow access to member-only areas, allow instant downloads, etc. -back to top-

Quick Payment. With iTransact, it takes very little time to receive payment for the orders placed on your site. Funds can be deposited directly into your account. -back to top-

Flexibility. Your customers can place and pay for their orders online--automatically--or you can take their orders by phone, by fax, or in person. -back to top-

Security. The fact that you never have to handle your customers' payment information greatly increases its security. All orders are placed via iTransact's secure server, eliminating the risk of information theft. Your web site can be hosted on any server without compromising the security of your customers' data.
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Price. iTransact's prices are exceptionally competitive. (See Pricing.)

Will my order forms need to reside on iTransact's server?
If so, how will I get access to change them when necessary? Your order pages can reside wherever you'd like, giving you complete control. You simply "post" your order form to iTransact's secure server. After your customers place orders, iTransact redirects them to the URL of your choice. (The URL can also be a CGI.) -back to top-

What fields are required in my order form for the process to work?
Please see this FAQ concerning required and non-required fields. -back to top-

How do I (the merchant) get paid?
RediCharge: Funds are deposited into your bank account according to your agreement with your merchant credit card processor (generally within 48-72 hours). -back to top-

RediEFT: Funds are electronically transferred into your bank account.

Do customers need to belong to an online bank to use iTransact?
No. -back to top-

What information do my customers provide for order processing?
For RediCharge:
Information as listed on the customer's credit card statement, including name, address, phone number, credit card number, and expiration date.

For RediEFT:
Information shown on one of the customer's checks, including name, address, phone number, and the routing number on the bottom of the check.
In all cases, the customer is also asked for an email address.
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How do my customers keep track of the transaction?
With each order, an email notification is sent to the customer with complete order details. The transaction then appears on the customer's monthly credit card or checking account statement.
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How long have iTransact's services been in use?
RediCheck, the predecessor to iTransact, was launched in 1994. iTransact started Internet operations in March of 1995. Since that time, the company has processed many millions of dollars in transactions.
What prevents the interception of account information on the Internet? iTransact's security standards are unsurpassed. Since account information is never transmitted unencrypted or stored on the Internet, there is no danger of interception. Account information is never sent via email.

What prevents the interception of account information on the Internet?
iTransact's security standards are unsurpassed. Since account information is never transmitted unencrypted or stored on the Internet, there is no danger of interception. Account information is never sent via email.
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What about my customers who aren't on the Internet?
iTransact's services are not limited to Internet transactions. As long as you have an Internet connection, we can also process transactions you receive via phone, fax, or in person. -back to top-

How do I accept credit cards online?
1. Register with iTransact.
2. Obtain a credit card merchant account.

Once you have completed these two steps, we can set you up with our RediCharge service within one business day. -back to top-

I already have merchant account. Do I need a new one?
No. Any merchant account will work, provided that it utilizes one of the main processing networks.
If you don't have a merchant account, we can help you obtain one. -back to top-

Do I need a credit card terminal or processing software?
No. RediCharge eliminates your need to lease or buy credit card processing hardware or software.

Does RediCharge perform address verification (AVS)? All of the major credit card processors will accept transactions that do not pass AVS. The fact that processors do not reject non-AVS transactions is a great concern of ours.

Because of this, iTransact has introduced one of the first AVS systems for the Internet. Our system allows us to disallow transactions that are allowed through the processor without passing AVS. The system takes into consideration the AVS selection each merchant makes at signup. If a non-AVS transaction is allowed through by the processor, iTransact's system will not allow the transaction to be processed and will issue an error message to the customer. -back to top-

Can I post a credit to a customer's card?
Yes. RediCharge is a fully-functional Point-of-Sale (POS) service. Merchants can post credits to customers' cards. This function is performed on iTransact's secure server in a password-protected environment.

Can I void transactions online?
Yes. This can be done in real-time in a secure, password-protected environment. -back to top-

How do I accept payments via EFT?
1. Register with iTransact.
2. Set up an account with an EFT provider.
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Then, when your customer chooses to pay from a bank account, they simply provide their account information in an online order form. This information is relayed securely to the EFT processor for approval. Once approved, iTransact sends both you and your customer a copy of the order via e-mail. Funds are electronically transferred from your customer's bank account into your own.

For RediEFT, do I need a merchant account or any special hardware or software?
No. -back to top-

Can RediEFT transactions be returned by my bank for non-sufficient funds (NSF), etc.?
If your customer provides invalid account information or doesn't have sufficient funds to cover an order, their RediEFT transaction will be declined by the EFT processor. Transactions will only be submitted to your bank after they have been screened by the EFT processor. This alleviates the risk of bank-assessed returned-item fees. -back to top-