NetPayments provides facilities for all manner of credit card processing:

Express - for time sensitive products and services where card authorisation is a pre-cursor to the sale, e.g. download products/services.

Standard - used in non-time sensitive sales where credit card authorisation is notified by email within 1/2hr.

Deferpay - a service for traders who do not hold stock of goods, orders and card details are taken and are held until processed by the trader. e.g.: the trader takes an order for an antique, sources the goods then processes the payment. This avoids the bank transaction fee in the event the goods are not available to the trader, post order.

Schedule - another popular business process application providing an alternative to Direct Debit for collection of regular payments, i.e. membership, regular services and monthly charges. Credit Cards are processed according to a user defined pattern, annually, quarterly, monthly, weekly.

Lite - used by businesses with traditional terminal based "swipe" card systems, enabling on-line trade with off-line authorisation.