ProtectPay, for its part, is an extension to the PropPay service. For an additional $19.95/year, it offers secure storage of customers' credit card data. The data is transmitted to ProtectPay and never resides on the merchant's system; ProtectPay assumes the Payment Card Industry Data Security Standard (PCI DSS) compliance obligations. All the merchant receives is a algorithm-generated "token" identifying the customer's card--the token can be used for later purchases without re-entering or retrieving the actual credit card number.
Merchants can enter data into ProtectPay in a several different ways, a secure card reader being the most common. The service has recently added the Online Virtual Terminal, to give merchants the ability to transmit data to ProtectPay via any computers over the Internet. Current ProPay customers can log into their accounts to sign up for ProtectPay and the OVT.