The SecuriLink system offers major long-term benefits to the client bank and the merchants using the system due to its technologically advanced design. The main product features and benefits are summarized below.

• Compliance updates - ensures that the client bank and the merchants are able to maximize their enhanced transaction security advantages by enjoying the advantages offered by international cards for smart card technology adopters.
• Support for recurring billing for business type MO/TO giving added flexibility.
• Full authorization and settlement functionality including sale, credit, void, authorize only, and post authorize for all major card types including American Express®, Visa®, MasterCard®, and JCB® - ensures that system is fully complaint with functionalities of international card operators.
• Automatic data archiving, the ability to store all transaction information indefinitely, including the ability to search that information for charge backs and other information – allowing merchants the chance to offer improved customer service, particularly when dealing with refunds and returned goods.
• Multi-merchant capability, the ability to provide separate processing and reporting for multiple merchant accounts from the same application – ensures full cost effectiveness of system to larger operators
• Full support for Retail and Mail Order / Telephone Order (MOTO) business types – enhances operational performance and reduces payment collection risks whilst allowing for improved customer handling
• Online and batch processing capability – giving full flexibility to best handle peak and shoulder time business operations
• File import/export of all information required to process transactions utilizing standard and comma delimited file formats – ensures that transaction reports can be analysed to the level of detail required with the least hassle
• Receipt printing using common printer types including page printers and 40-column roll paper printers – ensuring that merchants have greater flexibility in the choice of hardware needed allowing them to choose that printing equipment that best suits their diverse needs
• Support for keyboard wedge card readers for input of track 1 and 2 data – thereby eliminating the need for expensive point-of-sale card readers and reducing operational costs of such equipment which may be a problem to maintain
• Compliant with latest card association regulations – this ensures that merchants are qualified for the best interchange rates for the transactions performed
• Client/server architecture, multiple users on a LAN can access a single server, Support for request and response file integration – this gives even greater flexibility to customers in the integration of the system with their existing systems
• Support of programmatic interfaces, such as JAVA, C++, etc. - allows for client development and customization if required
• Support for leased line connections – allows client further flexibility in integrating system to specific point-to-point networks that the client may be building for competitive advantage
• Support for sending transactions to payment processors over the Secured Sockets Layer (SSL) protocol (additional cost) – thereby increasing utilization of system to take on-line payments through websites
• Encryption of credit card numbers and track 2 data during transmission between client and server – allows for secure transmission without incurring the added responsibilities necessary when personal data is stored on system
• Support for Visa e-commerce indicator – allows client bank and merchant the option to enjoy the latest product offerings of VISA thereby strengthening their position as market leaders and increasing their business

Essentially, SecuriLink™ is a tested and proven framework within which state-of-the-art technology is combined with business expertise to add value to the end customer, the cardholder and to improve the operational and financial performance of the electronic payment processing system to the benefit of the players in the service chain.