The leader in Electronic Payment Systems, Opticard Payment Services Inc. provides Check Authorization, Debit, Credit, ACH and Electronic Benefits Transfer for retailers in a multi-lane environment.

Opticard's combined payment system authorizes, interchanges and settles retail transactions for any combination of checks, bank debit, credit and Automated Clearing House.

The Electronic Payment Systems is available as a service, with Opticard providing the facilities and processing, or can be licensed and operated in your company’s facility. Services include:

	Check Authorization - Allows retailers to electronically authorize checks written chain-wide.
	Automated Clearing House - Allows the retailer to debit the amount of purchase from a bank account using a proprietary debit card.
	Credit & Debit Authorization - Allows retailers to accept payments made with credit and debit cards issued by banks and non-bank entities.
	Electronic Benefits Transfer - Allows retailers to accept payments directly from state and federal Electronic Benefits Transfer cards, minimizing fraud and retailer compliance requirements.
	Combined Payment System - Opticard's Combined Payment System authorizes, interchanges and settles retail transactions for any combination of checks, bank debit, credit, Automated Clearing House (ACH), Electronic Benefits Transfer (EBT), and Prepaid Card (Opticard).
	Customer Information System, Visual Service Desk The Customer Information System (CIS) is an add-on module that allows retailers to maintain a database of demographic information about their customers. When used in conjunction with its sister product, the Visual Service Desk (VSD*), retailers can add, display or update a customer's information dynamically from any store in the chain.

*VSD is a Windows® application running on a PC.