Online Merchant Center is a robust web based application with the following features-- Virtual terminal to submit credit card and ACH transactions from a web browser, allows merchants to collect and process billing information in cases where a consumer has no internet access, transaction reporting to track sales using a flexible set of reporting tools, view transaction reports by date period, transaction type or transaction result, convienient drill down options, allows viewing of credit card and ACH refunds to customers, transaction search to quickly find a transaction using a variety of criteria, account administration, report export, invoice/fee report, and group/user administration to create different security groups and User ID's