CT Checkout

Today online purchases are card not present, as the buyer and merchant are not present as compared to in store purchases.  CT Checkout enables first ever online card present transactions with merchant fees as low as 0.5% as compared to card not present 2.9%. 

For a high-volume online merchant, this can lead to substantial savings. For example, an online merchant with an average transaction value (ATV) of $500 who processes $100,000 in monthly sales would pay approximately $2,930 in fees with a standard card not present 2.9% + $0.30 model. With CT Checkout's 0.5% online card present merchant fee, those fees drop to just $500, representing a monthly savings of over $2,400 for the merchant.

How It Works – Consumer Terminal Checkout.  Scroll down to see two encrypted cards examples where the first 12 digits of a 16 digit card number have been encrypted by a VIVOpay reader found at a walk in store who also sells online such as a Costco or Allbirds (example only as we do not have an agreement with either company), and the last four digits of the cards are the actual card number which are stored on an iPhone and Android phone Consumer Terminal Checkout app which acts as a personal consumer terminal when making online card present encrypted cards transactions where the buyer, bettor, payer, and donator win as do the online merchants.