Pay-Me-Now software is a leading provider of Internet-based transactions with the ability to process major credit cards and online checks. Pay-Me-Now features a complete suite of free tools such as a virtual terminal, free online check set up, check guarantee and electronic check conversion, card-present virtual terminal via keyboard card swiper, card-present debit transactions, free fraud screening, and a comprehensive online reporting system. Pay-Me-Now’s ACH Virtual Terminal includes check guarantee, electronic check conversion, recurring billing, and lets you process orders received offline (via phone, fax, email) using a virtual terminal anywhere you have Internet access. Pay-Me-Now has formed strategic alliances with leading financial institutions and technology partners to deliver the most comprehensive online credit card and e-check processing service in the industry.