EFT/400 logo

EFT/400

by 3X Software
No reviews yet
ActiveAvailable globallyOn-premise
Quick facts
Vendor3X Software
Year launchedN/A
StatusActive
LocationLinoma Software Linoma Beach 144a North 169th Street Omaha, NE 68118
Countries servedGlobal
Languages8
Integrations11+
Free tierN/A
Free trialN/A
Contact salesN/A
Last reviewed: Jun 2026

About EFT/400

A card payment and fund collection software for IBM System i (AS/400) environments. It supports credit, debit, and purchasing card processing with AES 256 encryption, chip and pin compliance, and multi-currency support.

EFT/400 by 3X Software is a specialized card payment and fund collection solution built specifically for the IBM System i (AS/400) platform. It is designed for businesses requiring a robust, secure environment for processing credit, debit, and purchasing cards. The software emphasizes security through AES 256 encryption and compliance with industry standards like APACS and Chip and Pin. It is particularly well-suited for high-volume environments, such as call centers and retail chains, where reliability and auditability are critical. While it provides essential features like multi-currency support, AVS/CVS checking, and 3D Secure integration, it is a niche product focused on the IBM midrange ecosystem. Organizations using EFT/400 benefit from its deep integration with the System i architecture, though prospective buyers should note that it is not a general-purpose SaaS payment gateway and requires specific infrastructure.

Pros & Cons

Pros
  • Provides secure payment processing specifically optimized for IBM System i environments.
  • Includes robust security features like AES 256 encryption and 3D Secure support.
  • Supports high-volume transaction processing for large retail and call center operations.
Cons
  • Limited to the IBM System i (AS/400) platform, restricting its use in other IT environments.
  • Pricing is not publicly disclosed and requires direct contact with the vendor.
  • Niche functionality may not meet the needs of businesses seeking modern cloud-native payment gateways.

Features

Key features

Card Payment Processing

Supports credit, debit, and purchasing card transactions on IBM System i servers.

Data Encryption

Utilizes AES 256 encryption to secure sensitive payment data and control access.

Compliance Support

Complies with APACS 29/30/70 standards and is Chip and Pin compliant.

Multi-Currency Support

Handles transactions across multiple currencies, merchants, and acquirers.

Audit Trail

Provides a full audit trail for tracking all payment transactions and system activities.

Additional features

High Volume Processing

Designed to handle large volumes of card transactions efficiently.

CVS and AVS Checking

Includes card verification and address verification services for fraud prevention.

Merchant Plug-in

Offers a 3D Secure merchant plug-in for internet-based transactions.

Address Verification

Includes a PAF module for postcode address verification.

Continuous Authority

Supports continuous authority payment models.

Easy Interfaces

Provides interfaces for integration with existing business systems.

Pricing

Free trial
Free version
Request a quote
Promo Offer

Countries & Languages

Global
Countries served
8
Interface languages
20
Billing currencies

Interface languages

EnglishFrenchGermanSpanishItalianDutchJapaneseChinese

Billing currencies

🇺🇸USD🇪🇺EUR🇬🇧GBP🇯🇵JPY🇦🇺AUD🇨🇦CAD🇨🇭CHF🇨🇳CNY🇸🇪SEK🇳🇿NZD🇲🇽MXN🇸🇬SGD🇭🇰HKD🇳🇴NOK🇰🇷KRW🇹🇷TRY🇮🇳INR🇧🇷BRL🇷🇺RUB🇿🇦ZAR

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