CCIV is a Microsoft .NET credit card processing component. It allows merchants to send credit card transactions to the ACH Direct payment processor with minor development effort. With CCIV, developers can start sending transactions the day they download. The benefit of CCIV is that merchants who want to send credit card transactions to ACH Direct can do so without any backend integration effort which can take up to two weeks and cost several thousand dollars. The advantage we have over PayPal type processors is that the developer can hook into our component and preserve the look and feel of their web site without having to be routed to a Pay Pal looking page, which is typically a different look and feel from the merchants site. ACH Direct, our payment processor offers a user friendly, web based interface at no additional cost for administrating and reporting on credit card transactions. ACH Direct offers very competitive processing fees.