converge  

  Converge (formerly VirtualMerchant) is a secure server-based system that supports transaction processing (authorization and settlement) in real-time.   The application allows use of a standard web-browser to process transactions as a cost-effective payment solution.The information needed to process the transactions is sent over a secure, encrypted Internet connection.   Email messages to confirm the order can be sent to customers and the merchant as notification of a new sale. The transaction is settled and funds are deposited into your bank account, typically next business day. Sales are automatically archived so they can be referred to at a later date.