(1) Cyber Tokens: shop anonymously and protect yourself against identity theft. No need to give personal or banking information to every on-line merchant plus there is no cost to setup a Cyber Tokens account. (2) ACH Debit subscription based solution. http://www.achdebit.com/ ACH Debit platform is designed specifically for Internet based subscription sales with loads of features. (3) ACH services, but not subscription based tools. Virtual Terminals, File Processing, RCK, Direct Deposit Payroll and EBPP (Electronic Bill Payment & Presentment). http://www.achbill.com/

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