With FroogalPay, merchants can email invoices out to their customers who can then enter the appropriate credit card information. This replaces the less secure approach of taking credit card numbers through email, phone or mail and entering them into a Virtual Terminal. The main benefit to invoicing is that the merchant will no longer never have full access to a full credit card number, thereby reducing the risk of a number being stolen. In addition, the merchant saves time by having the customer enter the credit card information. Finally, invoicing makes customers feel more secure. Regardless of the gateway, if its in our system, FroogalPay enables merchants to use the invoicing feature.