MLM SOFTWARE

Home -> Software Features -> Transaction System

Transaction System | Secure. Automated. Integrated. |

Payment Processing

The xFlow supports many different payment processors, allowing you to automate all payment aspects of your business.

Real-time Credit Card Processing
Process credit cards in real-time using several of the supported payment processors. You can accept credit cards on your server, and the xFlow will immediately process the charge behind the scenes, within seconds. The entire process remains on your server.

Third Party Payment Processing
Many third party payment processors are supported, such as PayPal and 2CheckOut. These processors require payment to be submitted on their server. When a member is charged, they will be automatically redirected to the appropriate payment processor. Once payment has been submitted, the processor will send a request to the xFlow, which will instantly approve the payment.

Manual Payment Processing
You can also use payment processors that are not supported by the xFlow. When payment is submitted using a manual payment processor, you will need to manually receive the payment. Each payment can then be easily approved with the click of a mouse through the Pending Deposits feature in the Admin Control Panel.

Flexible Transaction Settings
There are nine internal transaction types supported by the software, each meant for a different purpose from commissions, to membership fees, to miscellaneous deposits. The software allows a user-defined index of transactions to be created, providing the power and flexibility to control all financial aspects of the business. Each transaction contains a user-defined condition, and when that action occurs, the software will automatically process the transaction, allowing for complete automation.

Paying Commissions
Pay out member commissions with ease, through a special Pay Commissions feature. Both, a payment period and payment date must be specified, and the software will then go through all member's transactions, calculate the amount owing for the specified payment period, and add the needed pending withdrawal transactions. Funds can then be easily sent to the members and processed, by managing the pending withdrawals.

Overdraft Protection
Set a default overdraft limit for all accounts. This allows member's account balances to go into the negative a small amount, before physically charging them, instead of charging them small amounts such as $0.25.

Supported Payment Processors
The xFlow supports the following payment processors, which are listed below.

R.T. - Real-time credit card processor
ACH - Supports online checks (ACH)
REC. - Supports recurring payments
WTD. - Can be used for paying out commissions
* - Must be manually installed. Contact your vendor.

PAYMENT PROCESSOR	R.T.	ACH	REC.	WTD.
NCMS	+	+	+	+
Alliance ACH		+	+	+
Linkpoint	+	+	+
Digency	+	+	+
AuthorizeNet	+	+	+
PlanetPayment.Com	+	+	+
VeriPayment	+		+
CyberSource *	+		+
SkipJack	+		+
Verisign Payflow Link	+		+
Moneris Solutions (e-Select & e-Select Plus)	+		+
QuickCommerce PRO	+		+
Plug N Pay	+		+
Secure Pay	+		+
PayPal			+	+
StormPay			+	+
CacheCard			+	+
Intgold			+	+
WorldPay			+
SecPay			+
e-Gold			+
Moneybookers			+
E-Bullion				+
Capital Management *				+
Quickbooks Check Generation				+
2CheckOut (not 2CO)
iKobo
Evocash
Manual Credit Card Processing
Manual ACH Processing

Membership Fees

Automate the tedious task of membership billing with the xFlow's payment system. Require new members to pay a membership fee before being activated, automatically track recurring fees, plus more.

Require Membership Fee Upon Joining
Easily require members to pay a membership fee before receiving an active membership. When a member first joins, they will be immediately charged, and redirected to the appropriate payment server if needed. Their membership will not be activated until payment has been received.

Track Recurring Payments
The software fully supports recurring transactions, which can include anything from recurring commissions, to membership fees, to a monthly product fee. Every night a script will automatically execute, and process all recurring transactions which are due that day.

Pending Transactions
The software supports specialized methods to handle pending transactions, ensuring all transactions are processed correctly. Pending deposits, which are payments for which payment hasn't been physically received, can be easily managed and processed through the Admin Control Panel. A separate feature for pending withdrawals, allows for easy commission pay outs.

Automatically Handle Declined Payments
Using triggers, automatically take action against accounts when their membership fee is declined, such as deactivate or delete the account. This allows for hands free maintence of recurring membership billing.

Trial Memberships
Offer a free trial period to members, allowing them to join without charge. Once the trial has ended, if the member has not yet paid and upgraded their membership, their account can be automatically deactivated or deleted.

Manage Transaction Accounts

Every member receives their own transaction account, resembling a mini bank account. All funds including commissions, and membership fees go through the transaction account, allowing for easy, consolidated management.

Consolidated Transaction Accounts
Each member receives their own transaction account, with a bank account resemblence, allowing for easy management. All funds go through the member's transaction account, including commissions and membership fees. View monthly summaries, detailed transaction information, plus more.

Customizable Transaction Settings
Create your own index of transactions, giving you complete control and flexibilty over the transaction system. You define the type of transaction, amounts, transaction name, description, and exactly when the transaction is automatically processed.

Payment Methods
The software stores a database of payment methods, allowing each member to have multiple payment methods registered under their account. Each payment method is either assigned for deposits, or withdrawals. Deposit methods are used to physically charge the members, while withdrawal methods are used to send funds to the members, such as commission pay outs. Members can easily manage all payment methods on their account through the Member's Only Area.

Manually Add Transactions
Manually add individual transactions to a member's account with the click of a mouse. You can define a different amount, override any required payment, plus more.

Manage Recurring Transactions
Easily manage all recurring transactions on a member's account. You can change the next payment date, status, view all previous payments, plus more.

Query All Transactions
Search all transactions in the database using many different parameters, such as member account, transaction type, status, amount, date added, plus more. This allows you to easily find any specific transaction in the database.

Compensation Plan

With the flexible transaction system, you can create virtually any type of compensation plan imaginable. Have one time signup bonuses, recurring commission, matching commission bonus, step level program, plus much more.

Signup Commission Bonuses
Have one time commission bonuses automatically added when a new member joins. You can define different amounts for each member type, and the commission can be added to anyone you would like such as the member's sponsor, upline, a specific member, the member themselves, and so on. Using triggers, you can ensure no commission is added until the new member's membership fee has been received.

Recurring Commissions
Automatically keep track of recurring commissions. Every night a small script will automatically execute, and add all needed recurring commissions to the appropriate members. Using triggers, you can have recurring commission added only when a membership payment is received.

Step Level Program
Reward members with a higher compensation plan, depending on the number of members they have recruited, or the amount of sales they have made. Using triggers, you can have members automatically upgraded once their commissions have reached a certain amount.

Matching Commission Bonus
When a member receives commission, have the exact same commission automatically added to their sponsor.

Commission Pay Outs

Processing commission pay outs has been made extremley easy and efficient with the xFlow. Virtually every aspect can be done with the click of a mouse including adding pay out transactions, and physically sending the funds.

Easy Two Step Process
An easy two step process has been developed for commission pay outs. Using a special Pay Commission feature, you define the payment period you'd like to process pay outs for. The xFlow goes through all accounts, calculates the needed amount to pay each member, and creates a pending withdrawal transaction for each.

Once the pending pay out transactions have been added, you can physically send the funds through a special Pending Withdrawals feature. This feature shows the exact amount you owe each member, where to send the funds, and groups them by payment method. You can also download the mass pay file for processors such as PayPal, Stormpay, and Quickbooks Check Generation.

Withdraw Payment Methods
Define the exact method members can receive commissions, such as PayPal, check, etc. Members can then choose which method they'd like to receive their commissions, allowing you to easy and efficiently process commission pay outs.

Minimum Commission Amount
Define a minimum commission amount when paying commissions. Only members who have an account balance greater than the specified amount will be paid out.

Charge a Processing Fee
Automatically charge a processing fee every time commission is paid out to a member. For example, you could charge a small amount to all members who selected to have a check mailed to them.