Acculynk secures online transactions with a suite of software-only services backed by a patented authentication and encryption framework that provides greater security for issuers, EFT networks, merchants and payment processors. Acculynk’s PaySecure graphical scrambling PIN-pad is the only technology that has been approved across multiple domestic and international networks for online/mobile PIN entry to secure a payment transaction. Acculynk solutions include a True Debit gateway which enables least cost debit routing for eCommerce merchants via PaySecure and PIN-less transactions on the EFT networks; PayLeap, a combined gateway and acquiring card processing service; PayGov, an electronic bill payment and presentment solution; and Payzur, a debit-based P2P and real time disbursement solution.