Orbital Suite May 2007 What is Orbital Suite

Orbital Suite May 2007

What is Orbital Suite? § Our proprietary suite of e-commerce payment solutions § Opens the door to easier internet payment card processing support and service § Available solutions include: s Virtual Terminal s Payment Gateway 2

The Traditional Model Merchant Contract & Fees Web Hosting Service Contract & Fees Payment Gateway Service Transaction Processing Service Payment Processor Contract & Fees Merchant Acquirer § Merchant Has Three to Four Relationships § Dependent on Three to Four Vendors 3

The True Data Partner Model Merchant Contract & Fees Web Hosting Service Contract & Fees • Payment Gateway Service • Payment Processor • Merchant Acquirer § Merchant Has At Most Two Relationships § Dependent on One to Two Vendors 4

Virtual Terminal § A web-based terminal application hosted by Paymentech which performs the processing functions of a physical POS terminal and much more § For CNP (Card Not Present) transactions only § Eliminates the need for certification, additional hardware, software, and dedicated phone lines § Accessible from any web-enabled PC 5

Web-based Browser Application § Merchants simply collect orders off their website or accept telephone or mail orders. Log in to the secure Orbital Virtual Terminal site to initiate authorizations, settlements, refunds, voids, etc. § Transactions processed directly from the merchant to Paymentech providing a single point of reconciliation § No added vendor relationships, technical interface or support required. Truly a “one-stop” payment solution 6

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Wide Range of Payment Methods § The Orbital Virtual Terminal supports most payment methods offered by Paymentech. They include: § § § American Express Discover Master. Card JCB Visa Purchasing Cards – Level II (Customer Code, Tax Amount) & Level III (Full invoice detail) § Stored Value/Flex. Cache § Fully enabled to allow merchants to manage split shipments, back orders, and reversals 8

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Easy Batch Review § Merchant can view open and closed batch transaction data s Open Batch – Can view current month and transactions that have not been settled for up to four months s Closed Batch – Can view current month and transactions for prior 6 months § Merchant can search for transactions by card number, order number or date which can prove invaluable in resolving customer inquires and monitoring activity. § Transaction data is available on screen, in report (PDF format) and exportable file (CSV Format) 10

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Easy End-of-Day Closing § Merchant has control over end-of-day processing: s Merchant can specify a time of day (within their local time zone) to have transactions “auto settled” which helps the merchant reconcile payments processed s Merchant can securely log on and initiate the batch settlement process at any time 12

Secure, Flexible Access § Logons can have restricted access rights to provide greater risk management and audit control at the point-of-sale Merchants can: s s Restrict users from performing Credits, Voids, or Settlements Restrict users to only see a truncated view of the account number where only the last four digits display § "Multi-MID" logon may also be created so that merchants with multiple locations only need to keep track of one logon § Provides two-level user security access (User ID, Password) § Data transmission is protected with 128 -bit encryption using Secure Sockets Layer (SSL) protocol, the recognized industry standard 13

Key-entered and Card Absent Transaction Tool § Supports the full range of needs: Authorization Only, Authorization and Capture, Refunds and Voids § Merchants can also enter extended order data as needed for tracking and reconciliation § Merchants who require a similar product - with the added ability to physically swipe cards - are ideal candidates for Paymentech's i. Terminal 14

Built-in Fraud Tools § Orbital Virtual Terminal supports: § AVS (Address Verification Service) – Attempt to verify customer address § CVD (Card Validation Data) s s CVV 2 (Card Validation Value 2) – 3 -digit number located after the account number on the signature panel of all Visa cards and encoded in the magnetic stripe CVC 2 (Card Validation Code 2) - 3 -digit number located after the account number on the signature panel of all Master. Card cards and encoded in the magnetic stripe AMEX CID (Amex Card Identification Data) - 4 -digit number printed, not embossed, on the surface of each American Express card DISC CID (Discover Card Identification Data) - 3 -digit number located after the account number on the signature panel of all Discover cards and encoded in the magnetic stripe 15

Built-in Transaction Management Tools § Merchant Selectable Response or MSR allows merchants to select certain response codes that they want to auto-decline. s Example: A merchant processes a transaction and receives an AVS response Code G. A Code G is a nonmatching (or bad) AVS Response thus the Orbital system can automatically decline this transaction if the merchant chooses to use MSR. 16

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Profile Management § Allows merchants to store their customer information (Credit Card Number, Expiration Date, AVS, etc) in Orbital's databases for future transaction processing. s s Process subsequent transactions by that customer by Profile ID can be created by the merchant or assigned by Orbital § Alleviates the need for merchants to store sensitive credit card data on their servers. § Note: Profile Management is not to be confused with a recurring program, the merchant will still need to initiate the transactions using the Profile ID. 18

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Merchant Requirements § A PC or Macintosh with: s Internet access s Web browser Netscape 4. 79 or higher s Windows Explorer 4. 0 or higher 20

Set-up Process § New Merchant Setup s Complete boarding process and indicate Virtual Terminal as the internet solution l Additional setup form for Virtual Terminal: § Orbital Setup Information Form § Existing Merchant Setup s Complete ASR and choose Virtual Terminal as the internet solution l Additional setup form for Virtual Terminal: § Oribital Setup Information Form § 21

Orbital Payment Gateway § Allows merchants to establish automated secure online transaction processing in a true one-stop-shop environment § Merchants can use this solution for any Card-Not-Present processing - meaning Internet, MOTO or Recurring 22

Broad Range of Interfaces § Orbital Gateway has been designed to enable payment processing for the most basic storefronts right up to a highly integrated e-commerce system. Our integration options include: s XML Interface - Can be supported by virtually any commerce server s SDKs (Software Development Kits) - Available to assist merchants in programming in various languages. Production versions now available: Java, Perl, C++, COM, . Net s Payment Modules –Paymentech is working to integrate the Gateway into industry leading commerce solutions like Kurant Store. Sense Shopping Cart 23

Broad Range of Interfaces § Integration Options continued: s VAR Software - Many software companies have coded to the Paymentech Gateway to allow merchants a completely integrated solution. Contact the True Data for Orbital certified VAR information s Virtual Terminal – Small merchants can harvest orders off their web site and log on to our Virtual Terminal to initiate card authorizations, settlements, refunds, etc. No technical integration is required. s Web Services Interface – A new way of Interfacing over the Internet that offers the coding simplicity of providing software without actually having to code. Web Services is independent of Operating System or Programming language s Batch Processing - Requires the merchant to develop code that generates XML formatted flat files with message requests. These files can be sent via S-FTP (File Transfer Protocol for Windows) over the Internet, or FTP (File Transfer Protocol) via Frame or Dial PPP (Point to Point Protocol). It allows for Multi-Merchant batch processing of up to 999, 999 transactions per file. Due to association rules, CVV 2, CVC and CID are not supported with the Orbital Batch. 24

High Scalability and Throughput § Already known for our high capacity and up-time payment processing, the Paymentech Gateway offers high levels of throughput, response time, and 24 x 7 availability § As a combined gateway and merchant processing service, merchants are not exposed to the risks of additional “transaction hops” inherent in the use of third party gateways (such as Authorize. net, Cyber. Source, Verisign Payment Services) 25

High Service Availability § Redundant servers eliminate single points of failure at the hardware, network and application levels § The result: high service availability that automatically recovers -- all without interruption of service delivery 26

Wide Range of Payment Methods § Orbital Gateway supports most payment methods offered by Paymentech. They include: s s s s s American Express Discover Master. Card JCB Visa Purchasing Cards – Level II Purchase Card Level III – Must be on FDMS "S" Platform. Flex. Cache – Must be on FDMS "S" Platform. Bill Me Later § It is fully enabled to allow merchants to manage split shipments, back orders, and reversals 27

Easy End-of-Day Closing § Merchants can perform End-Of-Day Closing in one of 3 ways: s Send in a Automated End-Of-Day transaction (from XML, Software Development Kit or Web Services) s Log on to the Virtual Terminal and click on "Settle" s Use the "Auto-Settle" function which allows Paymentech to settle the merchant’s End-Of-Day automatically at any time the merchant desires 28

Online Transaction History § Orbital Virtual Terminal retains transaction history for merchants to access from anywhere and at any time. Researching past orders by card number, order number or date is invaluable in resolving customer inquires and monitoring activity. § Data is available on screen, in report (PDF format) and exportable file (CSV Format). § All Orbital Gateway Merchant IDs come with free access to the Virtual Terminal 29

Key-entered and Card Absent Transaction Tool § The Orbital system is for “key entered” or “card absent” transactions only § Supports the full range of transactions: Authorization Only, Authorization and Capture, Capture of a Previous Authorization, Refunds and Voids § Merchants can also enter extended order data as needed for tracking and reconciliation 30

Transaction Security § Data transmission is protected with the industry standard Secure Sockets Layer (SSL) protocol § The SSL communications capability is built into our transaction interface, with all transmissions encrypted § Both SSL Socket (SSL TCP/IP) and HTTPS protocols are supported 31

Network Security § Paymentech’s production network is protected with a set of firewalls that prevent any network access to our servers § Sensitive transaction data is secured behind internal layered defenses that prevent direct access to transaction databases 32

Built-in Fraud Tools § Orbital Gateway supports: § AVS (Address Verification Service) – Attempt to verify customer address § CVD (Card Validation Data) s CVV 2 (Card Validation Value 2) – 3 -digit number located after the account number on the signature panel of all Visa cards and encoded in the magnetic stripe s CVC 2 (Card Validation Code 2) - 3 -digit number located after the account number on the signature panel of all Master. Card cards and encoded in the magnetic stripe s AMEX CID (Amex Card Identification Data) - 4 -digit number printed, not embossed, on the surface of each American Express card s DISC CID (Discover Card Identification Data) - 3 -digit number located after the account number on the signature panel of all Discover cards and encoded in the magnetic stripe 33

Built-in Transaction Management Tools § Merchant Selectable Response or MSR allows merchants to select certain response codes that they want to auto-decline s Example: A merchant processes a transaction and receives an AVS response Code G. A Code G is a non-matching (or bad) AVS Response thus the Orbital system can automatically decline this transaction if the merchant chooses to use MSR. 34

Profile Management § Allows merchants to store their customer information (Credit Card Number, Expiration Date, AVS, etc) in Orbital's databases for future transaction processing s s Process subsequent transactions by that customer by Profile ID can be created by the merchant or assigned by Orbital § Alleviates the need for merchants to store sensitive credit card data on their servers § Note: Profile Management is not to be confused with a recurring program, the merchant will still need to initiate the transactions using the Profile ID 35

Requirements § Technical Development Skills § Secure Socket Layer (SSL) Internet Connection (S-FTP or FTP required for Orbital Batch Interface) § Static IP Address for Source IP Authentication § 128 Bit Encryption 36

Functionality § Orbital Gateway supports: s s s s Batch Processing Online Auths & Online Captures Online Auth/Capture Purchasing Card Level II & III Force Transactions AVS, CVV 2, CVC & CID All Card-Not-Present transaction types § Orbital Gateway does not support: s Private Label 37

Pricing and Setup Process § Pricing – Eric Machado § Emachado@reststarinc. com § Setup – True Data Merchant Services § True-data@hotmail. com § 631 -367 -1156 Ext. 100 38

Product Information § Orbital Brochure § Virtual Terminal Product Sheet § Virtual Terminal Quick Reference Guide § Virtual Terminal User Guide 39

Help Desk Numbers § Gateway Support Center: § § Phone: 1 -866 -645 -1314 (Domestic) Phone: 1 -813 -351 -2265 (Merchants calling outside the U. S. ) Email: emachado@reststarinc. com Support is available 24 hours per day! 40

Why Orbital Suite? § Service reliability s Runs on Paymentech’s technology infrastructure that currently supports over 100 million items per year and maintains a 99. 999% uptime § Customer Service s True 24 x 7 x 365 support § 2 -3 second response time 41