Web Transaction Services is a complete electronic commerce and customer service centre on the internet. Based in Austin, Texas, the company firm handles the transaction processing and customer service for websites on the net. The firm offers software products, such as virtual terminal and file processing. It accepts file formats including XML, CSV, name pair, NACHA, as well as others. The company provides a wide range of services, such as ACH processing, dynamic billing system and T.O.A.S.T. (Total Online Acceptance Scoring Test) service, to name a few.