POODLE vulnerability hastens the death of SSL 3.0

Systems that support only SSL 3.0 are being abandoned as systems operators cease server-side support for the outdated standard following the disclosure of a critical bug.

The latest in 2014’s saga of server-side issues is POODLE, an acronym of Padding Oracle On Downgraded Legacy Encryption (otherwise designated as CVE-2014-3556) that was named by the publishers of the disclosure, Google researchers Bodo Möller, Thai Duong, and Krzysztof Kotowicz.

POODLE is a flaw in how browsers handle encryption; by negotiating down to SSL 3.0, attackers can alter padding data at the end of a block cipher in a way that forces a slow leak of data. Many of the cipher suites in SSL 3.0 have already been abandoned as insecure, due to small key sizes, biases, and simply having support already removed from browsers.

The POODLE vulnerability allows attackers to exploit the design of SSL 3.0 to decrypt sensitive information, including secret session cookies (and, therefore hijack sessions for users’ accounts). Because the exploit is not being a patchable flaw, it is necessarily hastening the death of SSL 3.0 as a viable standard.

 The public response

Akamai, a popular CDN, has accelerated its deprecation of SSL 3.0, which at present stands at 90% complete, and should be finalized for Secure CDN customers by late October to early November 2014. The firm is also working on a phased deployment for TLS_FALLBACK_SCSV for legacy systems, though they note that since few browsers support this patch, it does not help anyone for the short term. SSL 2.0 traffic is now blocked, and customers supporting only SSL 3.0 are urged to upgrade as soon as possible.

CloudFlare has disabled SSL 3.0 support by default for all customers. Business and enterprise customers have the option of enabling it manually, though CloudFlare strongly discourages users from doing so. The company’s research notes that for HTTPS traffic, only 0.65% of this traffic uses SSL 3.0, which they characterize as being mostly attack traffic and crawlers. They also note that Windows XP traffic constitutes only 3.12% of all “real visitor traffic,” and of those users, only 1.12% use SSL 3.0.

Twitter announced an immediate end to SSL 3.0 support for its services, forcing users to use a browser that supports TLS 1.0 or higher.

Mozilla rolled out an extension for users to immediately disable SSL 3.0. SSL 3.0 will be disabled by default in Firefox 34, which will be released on November 25, 2014. Plans are also in the works to include support for SCSV in Firefox 35.

Möller indicated in a Google blog post that Chrome has supported SCSV since February 2014, and that SSL 3.0 support will be removed completely from client products “in the coming months.”

Does this dog bite?

What, if any, precautions will you take to mitigate this issue? Do you still have production servers that support SSL 3.0? Let us know your thoughts in the comments.

Also see

Restricted Transactions Manager

The Fast Charge Payment Gateway allows account admins to restrict transactions for each user.

Use the form below to select restricted transaction types for this account. The restricted transaction types will require a Override PIN to override the restriction during processing.

payment gateway restrict users


payment gateway override pin




With the Restricted Transactions Manager the following actions can be performed:

AVS Post-Auth
AVS Pre-Auth
AVS Sale
CC Auth Reversal
Credit Back
Credit Back (stand alone)
Credit Card Void
Post-Auth Only
Pre-Auth Only
Sale     Restricted


A payment gateway is a CLOUD based e-commerce application software provider service that authorizes payments online, online retailers, bricks and clicks, or traditional brick and mortar.[1] It is the equivalent of a physical point of sale terminal located in most retail outlets. Payment gateways protect credit card details by encrypting sensitive information, such as credit card numbers, to ensure that information is passed securely between the customer and the merchant and also between merchant and the payment processor.

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Credit Card Processing:

eProcessing Network EPN Payment Gateway

The eProcessing Network Secure Payment Gateway allows merchants to accept credit cards and other forms of payment in a secure, real-time environment directly from their website, through Mobile devices and directly from their place of business.

Real-time authorizations ensure the validity and accuracy of each transaction and merchants get the added convenience of having funds deposited directly to their specified account(s). With a payment gateway, merchants can have multiple users entering transactions from various locations, all at the same time.

So let’s take a closer look at how a transaction is processed when a customer orders a product from a payment gateway-enabled merchant:

  1. A customer makes a purchase — either online, over the phone or in person — and the billing information is sent via Secure Socket Layer (SSL) encryption from the customer’s browser to the merchant’s web server.
  2. The merchant’s website receives the information and in turn forwards it to the payment gateway through another SSL encrypted connection.
  3. The payment gateway takes the information and forwards the transaction information to the payment processor used by the merchant’s bank and then transmits the credit card information to the appropriate credit card issuer (i.e. MasterCard and Visa).
  4. The credit card routes the transaction to the correct card issuing bank. If the card used was an American Express or Discover, the processor acts as the issuing bank and directly provides an approval or denial back to the payment gateway.
  5. Once the transaction is received by the issuing bank, it is reviewed to ensure that sufficient funds are available to cover the transaction and then sends an authorization code back to the processor. If the transaction is approved, the code allows the transaction to be completed. If the transaction was declined, the authorization code provides the details as to why the transaction failed (i.e. insufficient funds, connection failed, etc.)
  6. The authorization code is then sent back to the payment gateway which in turns sends the code back to the merchant’s website or other device used to process the transaction.
  7. At this point the merchant can deliver the goods or services to the customer.
  8. At the end of business, the merchant submits all of their approved authorization codes in a “batch” to their acquiring bank for settlement, which is the process of sending the credit card and check files through the network for processing and payment.
  9. The acquiring bank accepts the approved funds and moves them into the specified merchant account(s). The entire process from authorization to settlement to funding takes an average of three days.

Secure Transaction Processing — The ePN Way

For the past nine years, eProcessing Network has gone through the rigorous certification process to ensure that our ePN payment gateway allows merchants to protect sensitive cardholder data. We have successfully met all of the comprehensive requirements as detailed in the Payment Application Data Security Standard (PA-DSS) and enforced by card associations. As a result of each certification, the PCI Council lists the application on its Validated Payment Application List within the PCI SSC website.

ePN is committed to providing secure systems that are in compliance with the PCI Council and by partnering with the Council and card associations to maintain compliance certification, we help become part of the solution to offer a unified strategy to fight against payment card data compromises. That level of commitment is passed onto resellers and their merchants who trust us with their sensitive payment card information.

What Firearms dealers Need To Accept Credit Cards

  • Current FFL Dealer License
  • Web Site We Can Check If Selling Online
  • Written Refund Policy
  • Be Located in U.S.A.
  • Have Local Business License (Home Based is Acceptable)

Firearms Dealer Credit Card Processing

Services We Offer

  • Gun dealer merchant accounts
  • FFL Dealers merchant services
  • Gun dealers payment processing
  • Firearm credit card processing
  • Gunbroker credit card processing
  • Firearm gun show payments
  • Credit card processing for guns
  • Retail gun shop payments
  • Internet gun shop ecpmmerce
  • Gun auction payments
  • Ammo Payment Processing


eCommerce Shopping Solutions

The eProcessing Network Payment Gateway is your secure connection between your Web site and the merchant bank processing networks. ePN offers two simple solutions for merchants who desire to attract online customers, but don’t have the time or technical resources to build their own eCommerce solution.

ePNCart-Turn any Website Into an Online Storefront!

eProcessing Network offers ePNCart, an easy-to-implement, customizable shopping cart

solution for merchants interested in having an online storefront. ePN is integrated into all major, third-party shopping carts, and since there is no software installation needed, merchants can start accepting payments with just a “flick of the switch.” Combined with our Secure Real-Time Credit Card Transaction Processing Service, online merchants can benefit from the unlimited, income-generating opportunities that are available with the explosion of eCommerce.

  • A simple, intuitive user interface means that merchants don’t need to have special programming skills to implement the shopping cart.
  • The customization of the ordering pages enables merchants to seamlessly blend the look and feel with their existing web pages.
  • SSL Encryption gives merchants peace of mind knowing they can process transactions securely.
  • Multiple Payment Options allow merchants to attract more customers.
  • Administrative tools and reporting features provide merchants with easier management of their online stores.
  • ePNCart is easy to integrate with other ePN solutions, such as ePNShip, our powerful, live shipping calculator.

ePNCart Order Form Generator – Create Web Pages in Minutes!

eProcessing Network’s Order Form Generatorsolution is perfect for the merchant who wants to establish on online presence, but finds that the functionality and cost of implementing traditional shopping carts is too much for their needs.

The Order Form Generator is an easy-to-use, HTML code generator that is used to design all types of web-based payment solutions. Besides generating pages that sell the merchant’s product, the simple, template-driven design engine can create pages to support additional functionality like:

  • Online Bill Payment
  • Donation Solicitations
  • Membership Renewals
  • Fund Raising Events
  • Recurring, Installment Billings
  • The lower cost of the Order Form Generator, compared to shopping cart solutions — lets the merchant integrate an eCommerce solution in a cost-effective manner.
  • The HTML Code Generator is easy to modify and allows the merchant to create and update web content quickly and efficiently.
  • A customizable user-interface enables the merchant to design as many individual pages as needed.
  • The Order Form Generator is easy to integrate with other ePN solutions, such as ePNPlugin for QuickBooks, our real-time, financial reporting software.

Mobile Processing Solutions

Back in 2000, eProcessing Network (ePN) was the first innovative and mainstream secure payment gateway to offer wireless mobile transaction processing. ePN continues the tradition by offering mobile merchants with cutting-edge mobile technology processing for the latest in smart phone technologies.

Today, eProcessing Network offers a variety of Mobile Processing Solutions:

  • eProcessing Network offers Mobile Processing Solutions for a Merchant-owned iPhone, iPad, iPod Touch, Android Phone/Tablet and Blackberry.
  • Merchants simply install the ePNMobile App on to their device from the Apple AppStore or Android Market. For Blackberry users, Merchants can easily login to the ePN Merchant Support Center to download the App.
  • ePN offers centralized control and secure transaction reporting for mobile devices via the secured ePN reporting site.
  • In addition, we offer Mobile processing solutions for dedicated wireless POS terminals.
  • Signature capture / email receipts capability for (iPhone/Android).
  • Bluetooth card reader/printer for receipts (Android/Blackberry).

  • Cost Savings — Multiple card swipe processing options – Merchants can use the ePNMobile Pro encrypted audio-jack card reader or Magtek’s encrypted bluetooth or clip-on card readers to qualify for swiped rates.
  • Enhanced Security — Mobile transactions are never stored on the merchant’s phone – only at the ePN Secure Payment Gateway!
  • Versatility — Merchants can process payments securely away from their store front or office. Great for trade shows, in-home sales, festivals, craft fairs, taxis, flea markets, limo services, plumbers, hair stylists, electricians, nail salons, locksmiths, CPAs, dog groomers, coffee kiosks, etc.
  • Ease-of-Use — Merchants can manage enable/disable functions by device from one centralized location within the ePN Merchant Support Center.
  • Flexibility — When using the ePN Secure Payment Gateway, merchants can simplify their business by choosing any combination of products, services and solutions all managed through a single merchant account.
  • Compatibility — ePNMobile Pro has many configurable options that include downloading transactions into QuickBooks, tracking of invoice/order ID number, tip entry, and signature capture.

ePNInventory — Integrated Inventory Management

ePNInventory, eProcessing Network’s integrated inventory management solution, enables merchants to process eCommerce, POS, and Mobile payment transactions through their existing ePN Secure Payment Gateway account.

Cost-effective and reliable, ePNInventory is the ideal solution for merchants who need an automated inventory management system, but don’t have the funds or technical resources to build their own solution. Easy-to-learn and implement, providing a suite of reports and notifications, ePNInventory allows merchants to focus on driving the success of their business, instead of creating software to manage it.

When a product is purchased, either manually or by using a barcode scanner, inventory levels are automatically adjusted, providing an accurate tracking of product assortment and quantity levels. And since all inventory is stored online through eProcessing Network’s secure servers, merchant’s know that their sensitive data will not be compromised.

  • Easy-to-Implement — with no software required, merchant’s can easily integrate the management software into their business solutions.
  • Versatile — ePNInventory works seamlessly with any of the ePN payment solutions, including the Online Terminal, ePNJPOS, ePNCart and ePNMobile.
  • Automated — accurate reporting tracks the products and seasonal sales trends, virtually eliminating out-of-stock situations.
  • Secure — the security of the ePN Payment Gateway ensures that the merchant’s product database will not be compromised.

ePNPlugIn for QuickBooks®

eProcessing Network offers the ePNPlugIn for QuickBooks®, a robust plug-in that allows merchants real-time processing of credit card, debit card and check transactions directly within QuickBooks, the leading accounting software. Merchants can take advantage of processing transactions and applying payments to open invoices in one easy step, saving time and money by avoiding double-entry and reducing the amount of accounting errors.

The ePNPlugIn is compatible with QuickBooks® Pro, QuickBooks® Premier and QuickBooks® Enterprise Solutions and easily downloads the merchant’s Internet, POS, Mobile and Recurring Transactions directly into their QuickBooks solution.

The ePNPlugIn for QuickBooks is yet another ePN application that has received Payment Application Data Security Standard (PA-DSS) PA-DSS certification from the PCI Council, so merchants can feel confident that their sensitive payment card information will not be compromised.

Other Features of the ePNPlugIn Include:

  • The processing of sales against invoices or sales receipts is automatic; merchants can also process voids and returns through QuickBooks.
  • The support of card readers like the MagTek USB MagSwipe allows merchants to qualify for swiped rates.
  • The processing of “Card on File” transactions without storing sensitive card data within QuickBooks.

  • Cost Effective — Merchants use their existing processor relationship to process transactions directly within QuickBooks, saving them additional processing fees.
  • Simple & Easy-to-Use — Merchants can easily integrate the QuickBooks solution into their existing business processes.
  • Secure — Having PA-DSS Certification eliminates security risks and compliance issues regarding sensitive payment information.
  • Flexible — Merchants are able to process multiple types of payments through multiple channels, enabling them to meet the needs of their diverse customer base.

ePNRecur — Recurring Transaction Processing Services

eProcessing Network offers ePNRecur, an optional recurring transaction processing service that allows merchants to sell merchandise in installment payments and offer products and services to their clientele on a subscription or membership basis.

ePNRecur is integrated with our full suite of secure, real-time transaction processing services, including the ePN Online Terminal and ePNCart, our premier, customizable shopping cart solution.

ePNRecur allows merchants to easily create recurring transactions and subscriptions,

and gives them the flexibility to specify the recurring method for each transaction, such as:

  • Type (Sale, Auth Only) and Amount of the initial transaction.
  • When to process the initial transaction, allowing for immediate or delayed processing.
  • Amount of the recurring transactions.
  • Frequency of transactions (weekly, monthly, 60, 90 days).
  • Number of times to process the recurring transaction; allowing for a limited number of recurs, or recurs until the merchant deletes the transaction.

With the automated reporting and customer notification of ePNRecur, merchants don’t have to worry about the time and resources associated with manual billing and customer follow up. ePNRecur effectively manages the recurring transaction and subscriptions and notifies merchants of the status of each transaction, alerting them to any upcoming credit card or subscription expirations.

  • Secure — ePNRecur takes full advantage of the power behind the ePN Secure Payment Gateway, giving merchants the confidence in knowing that their customer information will not be compromised.
  • Efficient — merchants can easily specify the repetition and frequency for payments, eliminating manual billing processes that cost time and money.
  • Cost Effective — through email notifications, the merchant can be proactive in managing upcoming credit card or subscription expirations, which can help reduce the number of authorization declines.
  • Customer Retention — by providing flexible and automated billing plans and subscriptions, merchants can truly meet the needs of their customers, and keep them coming back more frequently.

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Credit Card Processing:

How to Set Up Presta Shop With Fast Charge Payment Gateway

PrestaShop comes complete with over 310 features that have been carefully developed to assist business owners in increasing sales with virtually little effort. All features are integrated in the software and are 100% free.

Our merchants can use PrestaShop with the Fastcharge Payment Gateway’s Presta ShopAuthorize.net Emulator.

INSTRUCTIONS:  After downloading and installing PrestaShop you need to also download the free Authorize.net payment module. Locate the AuthorizeNet Aim Payment Module files in your shopping cart and find the file named VALIDATION.PHP. Open the Valisation.php file in notepad (or any other editor) then change the ‘POST TO’ URL  FROM: https://secure.authorize.net/gateway/transact.dll  TO: https://trans.secure-fastcharge.com/cgi-bin/authorize.cgi

Depending on the shopping cart version you may need to change the post to URL in 1,2 or 3 places. It’s best to find it everywhere you find it in this file.

Here’s a tip, do a search in the file for “Https:” or “.dll” to help you find the Authorize.net urls to replace with the Emulator Url.

Admin Settings:

Login to your PrestaShop Admin Panel and open the “Payment Methods” setting for Authorizenet. If it gives you a choice select the AIM module because this will allow customers to stay on your site when they purchase from you. Once you get to the settings you can enter the following information:

  • API Login ID: This is your Fastcharge Account ID (FCXXX)
  • Transaction Key: This is your Fastcharge “Merchant Pin”
  • Mode: We always suggest “Live Mode” or “Production Mode”
  • Gateway URL: If you have this option enter  https://trans.secure-fastcharge.com/cgi-bin/authorize.cgi
  • MD5 Hash: We ignore this field but you can enter “7gt77lyst555r7677yt”
  • Authorize or Capture: We recommend you select “Authorize and Capture”


Manage a dynamic product list through the PrestaShop back-office. Whether the shop has one product or thousands, this incredible administrative interface let’s you manage the most complex inventory easily with one-click updates. Import and export quickly, set attributes, sort products, bulk discounts, and much more. Managing products has never been easier with PrestaShop.



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Stop Online Fraud with the Fast Charge Payment Gateway

Automatic Merchant Fraud Protection With the Fast Charge Payment Gateway

In addition to the merchant-initiated protection mechanisms described in this section, several automatic features have been incorporated into the Merchant Fraud Protection stop online fraudmodule to block out customers exhibiting suspicious buying behaviors, including:

  • A feature to block a credit card that is submitted and declined twice within 24 hours using different expiration dates.
  • A feature to check City and State entries for validity against the zip code entered.
  • A feature to check area codes for validity against the zip code entered.

SSL Technology

Secure Sockets Layer (SSL) technology is the industry-standard method for protecting web communications developed by Netscape Communications Corporation.

The SSL security protocol provides data encryption, server authentication, message integrity, and optional client authentication for a TCP/IP connection. Because SSL is built into all major browsers and web servers, simply installing a digital certificate turns on their SSL capabilities.

SSL comes in two strengths, 40-bit and 128-bit, which refer to the length of the “session key” generated by every encrypted transaction. The longer the key, the more difficult it is to break the encryption code.

Most browsers support 40-bit SSL sessions, and the latest browsers, including Netscape Communicator 4.0, enable users to encrypt transactions in 128-bit sessions – trillions of times stronger than 40-bit sessions.

How Do I Connect My Shopping Cart

As far as we know there are now over 5250 shopping carts that work with the Fast Charge Payment Gateway™. Since there are so many please call us at 1-800-757-5453 and we can answer specific questions about your cart.

The following shopping carts all work very well with Fast Charge:


The GemCart

The GemCart is a powerful open-source software. 1) the FREE version that you can download and run on your server and the 2) Pro OnDemand version which provides cart, hosting, ssl and free chat, advanced catalog tools, integration with Campaign Monitor, eBay, etc.

Instructions for setting up FastCharge module installed on The GemCart:

  • Login to your GemCart Admin
  • Click Modules, Click Payment
  • If not installed, click Install Modules and install Fastcharge.
  • Once installed, click Edit and, Account ID: Enter Your Fast Charge Account ID (FCxxx)
  • Transaction Key/Merchant Pin: Enter Your Merchant Pin Number (You can find this under your FRISK settings in Fast Charge).
  • Click Save/Update and you’re all set up

Visit The GemCart Here for More Information!


  • Choose a single- or multipage checkout, along with custom colors, fields, and buttons.
  • Select your preferences, and your shopping cart and checkout pages will be created automatically — no coding required.
  • Sell downloadable products like software, music, or gift certificates.
  • Add tracking codes to the checkout process to keep track of important purchase data.


Zencart is open source meaning it’s free to download and install. It is also available with thousands of webhosting accounts as a free “one click” addon. They do have a paid support service and will install the shopping cart on any website for a small fee. Because this cart is so popular it is very easy to find a webdesigner to customize it. Zencart is basically oscommerce with all the bells and templates any merchant could use. It has every shipping module, marketing module, pricing schemes, discounts, google adwords tracking, affiliate tracking, coupons and thousands of templates with many of them free. To install the Fastcharge payment module it takes about 2 minutes for any novice to get up and running. Zencart is also portable and can be easily moved from one webhost to another in minutes.

Sun Shop

The most comprehensive PHP ecommerce software in its class, SunShop includes everything you need to build your online storefront, market your products, take orders, accept customer payments, manage your inventory, track shipments, and MORE.

Visit Sun Shop for More Information!


Oscommerce is the original open source shopping cart and has 60,000 custom addons developed by users. We used to recommend Oscommerce until we received so much good feedback about Zencart. The difference between oscommerce and Zencart is that Zencart comes with many bells and whistles already installed. Oscommerce has more addons but most of them require advanced coding which the average merchant has trouble with.


OpenCart is an open source shopping cart that has very advanced features such as ? multi currency, multi languages and product reviews etc.. OpenCart makes their money providing support and addon services etc.. They have very good support but a programmer will probably be required to get it installed.


Build and manage your online store with a shopping cart software that’s full of easy-to-use tools – no programming skills required. Give your site a design that’s sure to impress. Simply apply your favorite template with just a click of the mouse.

Instructions for setting up Volusion:


  • Login to your Volusion Admin
  • Under gateways select “other”
  • Type in “Merchantpartners”
  • Custom Field #1: Enter Your Fast Charge Account ID (FCxxx)
  • Custom Field #2: Enter Your Merchant Pin Number (You can find this under your FRISK settings in Fast Charge)
  • Custom Field #3: Leave Blank
  • Click Save/Update and you’re all set up


Shopsite is a very good “Paid Cart” that also has a “One Click” activation setting in their admin settings. The downside to Shopsite is it’s a little more expensive and not for entry level or growing merchants unless they are prepared to spend a little bit per month for their webhosting but it is very good.


VirtueMart is a very “hot” Open Source E-Commerce solution to be used together with a Content Management System (CMS) called Joomla!. Joomla! and VirtueMart are written in PHP and can be used in typical PHP/MySQL environments. VirtueMart is what the pros use instead of WordPress for their content delivery and database management. To use the Fastcharge Payment Gateway with Virtuemart/Joomla there are several options. There is a free module on the Virtuemart support forum, a paid “one click” module for a small fee and the option to use the authnet emulator.


WordPress is a free blog and website publishing program that now has hundreds of shopping carts available as a plugin. Any of these plugins can be edited to work with Fastcharge and very little programming is needed. However, there’s a note of caution about WordPress plugins. Most of these are free to install but most of them require some type of paid service or upgrade to get them to work correctly or only allow a few products.


Magento is a “free to install” cart that has many features available and is used by many very large companies. It started as an open source shopping cart that has evolved into a pay as you go cart. If a merchant downloads or installs Magento they need to have advanced programming skills or be prepared to pay them for help. We only recommend them because their order management system for larger companies highly recommended by direct marketing, direct mail and very large companies. Magento has the ability receive direct feeds from UPS or Fedex for package tracking and returns etc..


Joomla is one of the world’s most popular open source CMS (content management systems). With millions of websites running on Joomla, the software is used by individuals, small & medium-sized businesses, and large organizations worldwide to easily create & build a variety of websites & web-enabled applications. To use the Fastcharge Payment Gateway with Joomla there are several options. There is a free module on the Virtuemart support forum, a paid “one click” module for a small fee and the option to use the authnet emulator. There are also many developer forums where users have posted their Fastcharge Joomla payment module for users to download for free.

Fastcharge Payment Gateway

The Fast Charge Payment Gateway™ also has what’s called an Authorize Net Emulator. Any shopping cart that uses Authorize Net will work with Fast Charge if you can use the emulator.

Admin Settings:

Login to your shopping cart’s Admin Panel and open the “Payment Methods” setting. If it gives you a choice select the Authorize Net AIM module because this will allow customers to stay on your site when they purchase from you. Once you get to the settings page you can enter the following information:

  • API Login ID: This is your fastcharge Account ID (FCXXX)
  • Transaction Key: This is your Fastcharge “Merchant Pin”
  • Mode: We always suggest “Live Mode”
  • Gateway URL: If you have this option enter  https://trans.secure-fastcharge.com/cgi-bin/authorize.cgi
  • MD5 Hash: We now ignore this  but you can enter “7gt77lyst555r7677yt”
  • Authorize or Capture: We recommend you select Authorize and Capture


If you are using a custom shopping cart or have a web developer that has the skills to customize your cart you can Click Here to Download The Integration Guide

NOTE: A much easier and faster way to integrate a shopping cart is to use our Authorizenet Emulation.

DESCRIPTION: The Authorize.Net Emulator allows merchants to use the Authorize.Net payment module that is available in most third party shopping carts. Simply change the ‘POST TO’ URL within the Authorize.Net payment module to point to Fastcharge’s  gateway and your account will be up and running within a few minutes.

INSTRUCTIONS:  Locate the Authorize.Net Aim Payment Module in your shopping cart and change the ‘POST TO’ URL  FROM: https://secure.authorize.net/gateway/transact.dll  TO: https://trans.secure-fastcharge.com/cgi-bin/authorize.cgi

Depending on the shopping cart and it’s payment module you may need to change the post to URL in 1,2 or 3 places. It’s best to find the AIM payment module and then change it everywhere in this file.

Here’s a tip, do a search in the AIM file for “.dll” to help you find the Authorize.net urls to replace with the emulator url.

Admin Settings:

Login to your Admin Panel and open the “Payment Methods” setting for Authorizenet. If it gives you a choice select the AIM module because this will allow customers to stay on your site when they purchase from you. Once you get to the settings you can enter the following information:

  • API Login ID: This is your fastcharge Account ID (FCXXX)
  • Transaction Key: This is your Fastcharge “Merchant Pin”
  • Mode: We always suggest “Live Mode”
  • Gateway URL: If you have this option enter  https://trans.secure-fastcharge.com/cgi-bin/authorize.cgi
  • MD5 Hash: We now ignore this  but you can enter “7gt77lyst555r7677yt”
  • Authorize or Capture: We recommend you select Authorize and Capture

These are some of the most common carts:

  • Magento
  • Aspdotnet
  • OpenCart
  • ShopSite
  • VirtueMart
  • CS-Cart
  • Go Daddy WHMCS Cart
  • Blesta (Client Management Billing System)
  • WordPress + Shopp
  • WordPress + eStore
  • Zen Cart
  • 3dCart
  • X-Cart
  • Interspire
  • CRE Loaded
  • Tomato Cart
  • 1Shopping Cart
  • Mals E
  • SunShop
  • PDG Soft
  • Prestashop
  • AgoraCart
  • Storesprite
  • UberCart
  • ZenMagick
  • TomatoCart
  • DigiStore
  • Pinnacle Cart
  • eCommerce Templates
  • SpreeCommerce
  • ZeusCart
  • JadaSite
  • Ecommerce Shopping Cart
  • jCart
  • CF Shopkart
  • DashCommerce
  • ASP.Net
  • Idut Shop
  • OsCommerce
  • Joomla

There are thousands of shopping carts and ecommerce systems that allow you to use the emulator and if you have any questions or need help please give us a call at (800) 757 5453.


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Credit Card Processing:

Credit Card Processing Virtual Terminal Demo

Free Virtual Terminal Demo       credit card logos     

Virtual Terminal: Turn Your Computer into a Credit Card Terminal

Your Computer Is the Card Terminal

Take an order by phone, fax, or mail. Then simply log into your www.FastCharge.com  account and enter the credit card information. It works at your office, at your home, at a tradeshow, or anywhere you have Internet access. Your Virtual Terminal verifies the CVV2 code (last three numbers on the back of the credit card) as well as the AVS (address verification system) which is the credit card billing address. This helps merchants manage and prevent fraud. The Virtual Terminal also E-Mails the Customer a Receipt Immediately Upon Approval. It also E-Mails the Merchant the Order Information at the same time.

The secure Virtual Terminal and Batch Upload features enable merchants to process credit card and/or online check transactions manually, as well as automatically from a Website Shopping Cart.

virtual terminal merchant account


Transactions are Immediately Approved. Sales are Automatically Batched Daily.

  • Virtual Terminal – Virtual Terminal provides the best solution for merchants who manually enter credit card and electronic check transactions for mail order/telephone order (MOTO) sales.
  • Batch Upload – Submitting multiple transactions in a single file is an efficient way to upload credit card and electronic check transaction data from enterprise applications or other file-based systems.
  • Recurring Billing – Recurring Billing Option for Online Checks and Credit Cards. Membership Dues, Subscription Fees, Monthly Hosting, and Karate Schools are just some examples of products and services that are typically billed on a recurring basis.

Virtual Terminal suits businesses of all sizes because it reduces the complexity and expense normally associated with authorizing and processing credit card transactions. It’s also much faster than standard dial-up PC systems. Our Recurring Billing Module Offers you Ease, Speed, Convienience, plus Security on a your Non-Cash Transactions.

Businesses with a FastCharge account may access the Virtual Terminal through the FastCharge Web site using any Web browser. After logging into their FastCharge account using a unique user ID and a password. Merchants can access the complete range of FastCharge services — Authorizations for purchases, credits and returns, status and activity reports, and much more.

To authorize credit card transactions, the merchant must complete an electronic form that provides the FastCharge system with the information it needs to complete the transaction. This information is encrypted using the latest Secure Socket Layer (SSL) technology and is sent to a FastCharge host server. The server then sends the data through the authorization network to the appropriate card issuer’s bank using a secure, proprietary connection. When the process is complete — this usually takes around three seconds — the merchant receives an authorization number, and the FastCharge server stores the transaction. Transactions are automatically settled each day and are typically funded within two to three business days.

Merchants can also check the status of transactions and run a variety of reports right from the FastCharge Merchant Interface.

This is a Live Credit Card Processing Test System

This is a simulation of our live Credit Card Processing system and does not apply credit card charges to any credit card number you enter. Web site developers and programmers can use this live test account to program your shopping cart or to test transactions from your web site. Or, if you would like to see how the virtual processing terminal works you can use the numbers below to perform test transactions. You can also test our free recurring billing system using these test cards as well. You can also check out all of our FREE Fraud Prevention Features:

  • Negative Account Blocking – Reject transactions from known fraudulent account numbers from over 65,000 merchants already using the FRISK system.
  • Cramming Protection – Prevent the use of credit card or ACH number generating schemes by limiting the number of transactions allowed from a given IP address.
  • Domain Blocking – Filter transactions by the Internet domain associated with the customer’s email address.
  • Country Blocking – Filter transactions by the Internet domain associated with the customer’s country code.
  • Prevent Duplicate Transactions – Track recent transactions to ensure the same transaction is not authorized more than once. This eliminates problems due to “double clicking” the transaction submit button as well as duplicate submittal of batch transactions.
  • IP Activity Limit – Limit the number of accepted transactions from a given IP address.
  • Large Transaction Notification – This feature examines the transaction amount after the transaction has been accepted. When the amount exceeds an amount specified by the merchant an e-mail is sent notifying the merchant that the amount has exceeded the threshold. The merchant can then review the transaction, refuse the sale before any products are shipped, and credit back the consumer at a later time.
  • Address Verification (AVS) – AVS matches the known address information associated with the given credit card number against the billing address information provided by the user. If the information does not match, the transaction is declined. The merchant has the option of choosing the level of match required for an approved transaction.
  • CVV2 – CVV2, or Card Verification Value 2, is a number that is printed, not imprinted, on Visa and Mastercard. This number is never transferred during card swipes and should only be known by the cardholder, the person holding the card in their hand.
  • Reject Free Email Address – checks the e-mail address of the consumer against a database of free e-mail providers. Transactions in which the email domain of the consumer is in this database are declined. Need more information? Our experienced customer service representatives can step you through the process and answer any questions you have about processing payments on your web site. Click here to contact them

For approved test transactions use MasterCard credit card number 5454545454545454 with an expiration date of Jan 1, 2018 and a CVV2 value of 010.

For declined test transactions use Visa credit card number 4111111111111111 with an expiration date of Jan 1, 2018 and a CVV2 value of 010.

To run a test Check/ACH transaction use routing number 999999999 and checking account number 999999999999 with the amount less than $300.00.

If you have any questions please call us toll free at 800-757-5453






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Payer Authentication (also known as 3-D Secure)

Fast Charge Payer Authentication

Payer Authentication (also known as 3-D Secure) is a solution created by the credit card associations to provide additional fraud protection by asking cardholders to authenticate themselves to their issuing bank at the time of purchase. A cardholder’s identity is confirmed using one of a variety of authentication methods, and merchants are provided with instant authentication results thereby greatly reducing the risk of unauthorized use.

Marketed as Verified by Visa and MasterCard SecureCode, these programs ensure authentication of credit card holders with their issuing bank, eliminating merchant liability for the most common fraud-related charge-backs, and providing confidence to consumers that their cards cannot be used for fraudulent purchases.

Fast Charge allows merchants to integrate their choice of payer authentication applications into their shopping cart or web based application, and then process payer authenticated transactions through their existing payment gateway account to gain additional protection against chargebacks.


  • Reduces Fraud – Merchants can verify that the person using the card is the cardholder.
  • Charge-back Protection – Authenticated transactions may not be charged back if the cardholder alleges they did not make or authorize the purchase.
  • Increases consumer confidence – Assures consumers that their transactions will be secure, leading to increased sales.
How does the payer authentication process work?

Consumers enroll their Visa or MasterCard credit cards in the Verified by Visa or MasterCard SecureCode programs at their issuing bank’s web site. During the enrollment, they choose a password to associate with their card. When they use that card at a merchant enabled for Verified by Visa and MasterCard SecureCode, they are prompted by their issuing bank to ‘sign” for the purchase with their password.

Where can I find more information on payer authentication?

Additional information is available at the credit card association web sites:

How do I get started using payer authentication?

Contact Fast Charge customer service for more information on how to activate payer authentication on your account.

Note: Payer Authentication services (Verified by Visa and MasterCard SecureCode) are currently available to merchants that process on FDMS-Nashville or TSYS(Vital) authorizing networks. Additional fees may apply.