With FroogalPay, merchants can set up hosted payment pages for their websites in seconds without the need to do a software integration. Much like the Virtual Terminal, FroogalPay takes over the Hosted Payment page from the payment gateway and adds functionality and enables almost all the payment configuration to occur without ever leaving the main screen. We do this with the use of sliders, drop down windows and bubbles. Users can set up hosted payment pages to process credit cards and ACH, run pre-authorizations, record cash and checks. Users can also set up Recurring Billing as part of the initial payment process. Most gateways require a transaction to be processed before recurring billing can be set up.