With the explosive growth of the Internet economy, you can't afford not to do business online. An integral part of Internet business is the ability to accept real-time, secure payments directly from your web site.

There are other companies that provide services similar to NiftyPay's, but they don't offer the same bang for the buck. Here are a few of the features that make NiftyPay a far better value than our competitors:

• Pay 2 Play Option. With NiftyPay's Pay-2-Play service, you are able to start out with very little front-end cost, yet have the power of a full fledged NiftyPay account at your disposal, but with no minimum monthly costs. This is great for retailers just starting out and/or those with low number of sales transactions that do not want to pay the normal payment processing costs. This is the best value available for payment processing that start-ups and low-volume retailers that need/want more flexibility than 3rd party processors and so-called low cost payment processors offer.

• Month-to-Month Service. NiftyPay is a service you can use monthly. There are no contracts for minimum time of use and no cancellation fees. So should you need to close your account, you may do so without any hassles and/or penalties. We just require that you give us at least a two week's notice prior to the beginning of the next billing month or year.

• Prices. NiftyPay has very competitive prices and, unlike other companies, we display our entire rate structure. There are no hidden charges.

  If you find a company that appears to have lower rates, be sure to ask about every possible fee. For example, here are some of the common fees that NiftyPay does not charge:

  • Gateway transaction fees (for first 500/month) *
  • Gateway discount rates (percentages)
  • Secure server access/hosting fees
  • Order form hosting fees
  • Virtual Terminal access/hosting fees
  • Shopping cart setup, monthly, and/or transaction fees
  • Telephone (or other) customer service fees
  • Programming/integration fees
  • Additional e-check setup/application fees

• No Middleman Required. You can buy NiftyPay's services directly from NiftyPay. Other companies require you to buy from an agent or reseller who may mark up prices considerably or charge higher credit card discount rates. You own the account, you are the dealer, you get the low transaction costs, and you can fight chargebacks and disputes should they occur. Even if you hear about NiftyPay from one of our affiliates, you get the same low prices.

• Payment Alternatives. With NiftyPay, you have multiple payment options to offer your customers: they can pay you with a Credit Card, from a Checking account, and/or from their PayPal account. With NiftyPay, there is no need for separate order forms on your website or payment modules for your shopping cart.

• Customer Service. NiftyPay offers free customer support via email, telephone, and online chat. (Some companies charge hundreds of dollars per month for telephone customer service!) Customer inquiries are handled quickly by a member of our staff, not by an agent, reseller, or telemarketer. (Contact Info.)

• Simplicity. NiftyPay's services are much easier than others to set up. Following the instructions on this web site and the custom form generator samples within each merchant's control panel, even most beginners can enable their web sites to accept secure payments.

• Security. NiftyPay provides unsurpassed transaction security--even if you don't have a secure server. No payment information is kept in an Internet-accessible database. (See Security Info.)

• Experience. Our gateway partnership group has provided online payment acceptance services since 1994, far longer than most of our competitors. We have processed millions and millions of dollars in secure transactions.

• Order Notification. Both you and your customer are emailed order details immediately upon completion of each transaction, and you are also sent daily transaction summaries. NiftyPay also gives you an interactive online listing of all transactions for any date range. (See "Merchant Interfaces" in the Merchant Login Area.) An additional option is our Passback function, whereby you receive real-time transaction information that can be written directly into a database via your own scripts. (See Toolkit.)

• Merchant Account Options. NiftyPay will work with virtually any credit card merchant account; we don't require a special one, except on the NiftyPay-2-Play accounts. Therefore, if you already have a merchant account, you will more than likely be able to use it with NiftyPay. If you don't have a merchant account, we can help you obtain one. (See Merchant Account Info.)

• Free Shopping Carts Available. NiftyPay is compatible with several shopping carts, including AgoraCart, a free but powerful open source shopping cart. You can use AgoraCart on your web site or integrate practically any other shopping system.

• Online Virtual Terminal. Customers can securely enter their own payment information via your web site, or you can enter payment information (received via Internet, phone, fax, or in person) on our Virtual Terminal, even without your own web site. (See "Merchant Interfaces" in the Merchant Login Area.)

• Auction PayMe Service. Winning bidders in your eBay auctions can pay you instantly and securely via your NiftyPay account, even if you don't have a web site. There is no additional charge for this service. (More info.)

• Buy-Now Buttons. You can create custom buy-now buttons for single items using the free button generators (or modeling your own using a sample as a guide) for use in your web pages or html based emails. There is no additional charge for this service.

• Order Form Generators. If you need a simple order form for multiple products, you can create a custom form using the online form generators. Simply enter the information in, and copy and save the generated form as an HTML page on your website (or paste into your html editor for use with your wesite's design). There is no additional charge for this service.

• Export Transaction Histories. You are able to select a date range of transaction for export into common data formats, such as comma delimited (aka CSV) or XML based files for use in a any popular spreadsheet. Export is almost instantaneously ready, so nearly no waiting for the information, in most cases.

• Rich Affiliate Program. Earn $$$ for each new customer who signs up with NiftyPay or NiftyPay 2 Play from your web site. No product knowledge or customer service is required of you. (See Affiliate Info.)

• Reseller Opportunities. Become a provider of the best payment acceptance services on the Net. Sell NiftyPay's services on their own, or bundle them into your service package for recurring income. For more information, please contact NiftyPay.

When you consider our prices, customer service, and features, you will not find a better value than NiftyPay Start accepting online payments now.

* NiftyPay 2 Play includes transaction fees to keep the entry costs down for those merchants that do only a few transactions per month but do not want the overhead of the monthly processing expenses. All instances of NiftyPay mentioned above mean both NiftyPay and NiftyPay 2 Play services, except as noted.