While many credit card processors require extensive agreements, upfront capital for hardware and training services, ongoing percentage or flat fees for each transaction, and a large time investment from their clients in order to accept credit card payments, SGPS remains distinct in its vision and implementation of free services to clients that benefit end customers as well. The foundation of SGPS Payment Services is our custom-designed Virtual Terminal system that incorporates the flexibility and speed of the internet to make quick payments possible.

Our Virtual Terminal features the following:

• Robust security – 128-bit Secure Sockets Layer (SSL) encryption used to protect personal end customer information from any tampering or misuse while being transmitted to our dedicated SSL-enabled web server.
• Fastest response time possible – Payments are accepted or declined within five seconds of bring submitted by the customer. Either a response receipt code is given for authorized payments or an error description is presented for declined items.
• Simple user interface – Clients are provided any number of user names and passwords they deem necessary. Upon user authentication by our secure web server, each user is able to quickly enter end customer data into a single browser page and submit a transaction with a touch of a button.
• Ability to generate transaction receipts – Users have the ability to input applicable comment and reference information that will be placed on the end customer's receipt in order to track payments and provide payment confirmation.
• Reporting functionality – Daily transaction reports are e-mailed, faxed, or mailed to the individual of our client's choosing on the following business day. Our reports include a detailed listing of payments and summary information totaling the amount to be directly deposited or mailed as a check for that day.

In scenarios where Internet access for our clients or their end customers is not economically feasible, a phone-based payment service provides a to ensure the highest amount of revenue for our client.

• Toll-free access – Clients are assigned one or more toll-free telephone numbers to attract the largest number of end customers possible.
• Customized voice prompts – Although less flexible than the customization available using our Online Payment service, IVR voice prompts will be modified to contain pertinent information about the client including name, address information, office hours, and a contact telephone number for customer service.
• Flexible data access – As found in our Online Payment service, client data is updated on a daily basis to create the most accurate account database possible. Formats coming from and going to the client.

Operating in a similar fashion to our Virtual Terminal service, Online Payment provides an avenue through which end customers pay our clients using their credit card and Internet connectivity. Such transactions take seconds for end customers to complete and save government organization's time resources.

• Complete data integration – Online Payment information is sent to the client’s system at a designated time each night to ensure accurate account data on all systems. Applicable data information, including account names, reference numbers, and balance information is sent via FTP transfer early each morning after payment data is processed by the client's system. This ensures that data on our servers is as accurate as possible for the end customer's benefits.
• Customized site appearance – Although not a full-fledged website, Online Payment has the ability to assume the "look and feel" of any existing website in order to provide a seamless user experience. Government organizations lacking any web presence will have the ability to choose from a generic appearance utilizing any available logos or slogans.
• Robust security – 128-bit Secure Sockets Layer (SSL) encryption used to protect personal end customer information from any tampering or misuse while being transmitted to our dedicated SSL-enabled web server.
• Fastest response time possible – Payments are accepted or declined within five seconds of bring submitted by the customer. Either a response receipt code is given for authorized payments or an error description is presented for declined items.
• All other benefits are the same as our Virtual Terminal Service.
  

• Client protection — The personal check guarantee protects clients from losing revenue due to bad or insufficient transactions at 100% of each check's face value(1). Payment information is sent to the client's system at a designated time each night to ensure accurate account data on all systems. Applicable data information, including account names, reference numbers, and balance information is sent via FTP transfer early each morning after payment data is processed by the client's system. This ensures that data on our servers is as accurate as possible for the end customer&'s benefits.
• Quick assurance – Although not a full-fledged website, Online Payment has the ability to assume the “look and feel” of any existing website in order to provide a seamless user experience. Government organizations lacking any web presence will have the ability to choose from a generic appearance utilizing any available logos or slogans.

(1)Terms and conditions to validate checks before accepting them as payment apply. Please contact SGPS for more detailed information concerning our guarantee policy.