• Processor Differences
• CreditCardXpress and CreditCardXpress Community Edition Product Requirements

CreditCardXpress ^TM (CCX) is a payment solution for credit, debit and purchase cards that uses Elavon (formerly Nova Information Systems) as the processor. Elavon is the third largest credit card processor in North America and is rated the number 1 processing network by MasterCard ® for speed, availability and reliability. A key feature of CCX is that it sends transactions directly to Elavon bypassing 3rd party processors. CCX is implemented consistent with PCI DSS. This product is designed to run on the IBM Smart Cube. It is available separately or as part of a complete solution that includes a Smart Cube.

• Processes credit, purchase or debit card transactions using Elavon, the third largest payment card processor in North America.
• Sends transactions directly to Elavon bypassing 3rd party processors. This eliminates the costs, performance and security issues caused by 3rd party processors.
• Implemented consistent with the Payment Card Industries Data Security Standards (PCI DSS).
• Provides a browser based user interface that supports manual entry of mail order and telephone orders (MOTO).
• Provides a “Buy Button” interface used to integrate a merchant’s shopping cart. Note that the merchant must write code to integrate the buy button into their shopping cart.
• Provides a web service interface for use by programmers familiar with HTML or XML.
• Supports the following credit card transactions: SALE, PRE-AUTHORIZATION, FORCE, CREDIT, and VOID. In addition, it supports debit card SALE, CREDIT, CASHBACK and INQUIRY. Supports the following batch transaction types: CURRENT, PREVIOUS, PURGE and SETTLEMENT.
• Supports multiple merchant accounts and Terminal IDs per merchant account.
• Supports Elavon’s eCommerce, Retail and Mail Order/Telephone Order (MOTO) market segments.
• Built using an Identity Access Management system that enforces user authentication and authorization.
• Supports numerous security and quality control features including AVS, CVV2, 256-bit encryption, message digests, LUHN formula validation, card number masking, IBM and Elavon certification.

• Affordable
• IBM’s Smart Market initiative makes if easy to buy, install, administer, maintain and support.
• Consistent with PCI DSS
• Built on an Identity Access Management system that controls who has access to specific capabilities within the system.
• Has an integrated database and report generation capability.
• It has a "Buy Button" shopping cart interface designed for merchants who have limited programming capabilities.
• Web interface for users needing to process card-not-present payment transactions.
• API interface for merchants needing to integrate CreditCardXpress with back office systems.
• Built using mission critical middleware provided and supported by IBM including WebSphere Express and DB2.
• IBM markets several complementing service offerings that address PCI DSS requirements.

CreditCardXpress can be purchased through the IBM Smart Market as a part of the Blue Cube offering. Alternatively, for those wanting to purchase and deploy CreditCardXpress on systems other than IBM's Blue Cube, CFXWorks offers a no charge version of CreditCardXpress Community Edition (CCXCE).

CreditCardXpress Community Edition is available in three versions:

• CreditCardXpress Community Edition with support for Apache Tomcat and IBM's DB2 Express-C database.



• CreditCardXpress Community Edition with support for Apache Tomcat and MySQL database.



• CreditCardXpress Community Edition with support for Apache Tomcat and Microsoft SQL Server database.

Please make sure you review and understand the product requirements for CreditCardXpress and CreditCardXpress Community Edition .