What is Orbital? Our proprietary suite of e-commerce payment solutions Opens the door to easier internet payment card processing support and service Available.

What is Orbital?

• Our proprietary suite of e-commerce payment solutions

• Opens the door to easier internet payment card processing support and service

• Available solutions include:– Virtual Terminal– Payment Gateway

Merchant

WebHostingService

PaymentGatewayService

PaymentProcesso

r

MerchantAcquirer

Contract&

Fees

TransactionProcessing

Service

Contract&

Fees

• Merchant Has Three Relationships• Dependent on Three to Four Vendors

Contract&

Fees

The Traditional Model

Merchant

WebHostingService

•Payment Gateway Service•Payment Processor•Merchant Acquirer

Contract&

Fees

• Merchant Has At Most Two Relationships• Dependent on One to Two Vendors

Contract&

Fees

The Paymentech Model

True “One Stop”Service

• Complete Merchant Acquiring Services

• Transactions Process Direct From Merchant to Paymentech

• Paymentech Features Fully Available• Single Point of Reconciliation• No Added Vendor Relationships• No Added Technical Interface &

Support

Interface Options

• Orbital has two Processing options:• Virtual Terminal – Manual Web-Based Tool

• Manual Entry• SSL over HTTPS

• Gateway – Automated Programmatic Processing [On-Line]

• XML Messages• HTTPS

• All Part of the same system. They can be used Independently or together

• 2 – 3 Second Response Time

What is the Virtual Terminal?

• A web-based application that functions as a physical POS terminal for Card Not Present transactions

• Accessed via a Web browser and Internet connection; Secure log-on provided

• Eliminates the needs for additional hardware and dedicated phone lines

• Provides Direct Connection to PNS

Virtual Terminal

• For “key entered” or “card absent” single purchase transactions– MOTO, Recurring, and e-Commerce

• Supports the full range of needs:– Authorization Only– Authorization and Capture– Refunds and Voids

• Supports extended order data as needed for tracking and reconciliation

Virtual Terminal Features

• Login - Provided At Set-Up• Retains transaction history [6 prior + current month]• Merchants Access Anywhere and Any Time• Look Up Transaction Details [Open Items or Settled Items]• Initiate New Orders• Make Adjustments• Issue Refunds• Login “Privileges” Configurable – Auth Only, Refunds Only, etc• Duplicate warning if a transaction matches a previous one in

the same day• Features coming soon

– VT User Tracking– Enhanced search parameters– Quick Refund [The ability to generate a refund from a

previous sale item]

Virtual Terminal Demo

•Real Time Demo including:

•Process Transactions

•View open batch

•Settle batch

•Review History

Log on to the Demonstration atHttps://ecomvar.Paymentech.Net/manager Using the Following Log on Information.

Group: 700000001700 (7 - Seven 0’s - 1- 7 - Two 0’s)

Username: SALESDEMOIDPassword: Demopassword01Please Note That the Username and Password Are NOT Case-sensitive.

Virtual Terminal Demo

What is the Payment Gateway?

• Paymentech’s proprietary payment gateway for Internet merchants (key-entered or CNP)

• Delivers secure online transaction processing in a true “one-stop-shop” environment

• Enables payment processing for the range of most basic storefronts to more highly integrated commerce systems

• Backed by 24/7 technical support and the redundancy and reliability of our PNS system

Gateway Interfaces and Integration Options

• XML Interface • SDK (Software Development Kits)• Payment Modules• VAR Software

• Virtual Terminal

Transaction Process• “Host” Based System

– Authorization Data Retained By Host– Supports both Fulfillment models

Future Fulfillment Models Auth followed by a Capture request at time of

Shipment Supports all Future Fulfillment needs - Backorders,

Split Shipments, Partials, Reversals, etc Immediate Fulfillment Models

Single Auth Capture Message

• “Captured” Items Are “Batched” For Settlement– Batches Remain In Gateway Until “Closed”

FIREWALL

Gateway 1

PNSTandem

Internet

Any CNP Merchants

Gateway Topography

Supported Card Types

• Visa• MasterCard• American Express• Diners• Discover • JCB• Purchasing Card (Level II)

Orbital Features and Functionality

• Supports a full range of functions including:– Auth Only– Auth & Capture – Force and Prior Auths– Refunds & Voids

Orbital Features and Functionality

• Facilitates management of:– Split Shipments– Back Orders– Reversals

Orbital Features

and Functionality• Offers option of Auto or Manual close

• Provides industry standard fraud protection including AVS, CID, CVV2, CVC

• Supports advanced transaction security via user-defined access and SSL protocol

Orbital Functionality & Reporting

• Delivers comprehensive online transaction reporting

• Transaction Security• Network Security

• The functionality is a mechanism wherein a customer can store their customers credit information on the Gateway. This includes:• Customer Name• Address• Card Information• Order ID• Amount

• Affiliated with this Profile is a Profile Number. This number can be assigned by the merchant or assigned by Paymentech [merchant’s choice]

• A Profile can be created either as a stand alone transaction as a part of an authorization request.

• Once a Profile is in place, a merchant can simply pass a request with the Profile ID and any other data not stored in the Profile to process a request.

• Profiles is supported in both the On-Line Interface and the VT.

Profiles

• Merchant Selectable Responses [MSR]• Card not present transactions have potentially three

responses a merchant needs to interrogate in deciding whether to complete a Sale [Auth, AVS, CVV2]

• The Gateway provides a merchant the ability to define AVS and CVV2 responses which should change an approval into a decline [Reason Code M1]

• A merchant can self manage which codes auto decline via the VT

• Retry Logic• Duplicate Detection and Prevention using a Merchant

defined value sent with the request

Other Features

Orbital GatewayMerchant

Requirements• Technical Development Skills• Secure Socket Layer (SSL) Internet

Connection• IP Address for Source IP Authentication• 128 Bit Encryption

• Virtual Terminal– NO CODING– Username and Password– Web Browser Application / Internet – SSL Capable - 128 Bit Encryption

• On-Line Message– CODING REQUIRED– Development directly to the XML or using one of

the Software development kits.– Source IP Address Registration [Authentication]

Interface Requirements

•Code directly to the XML. We provide message templates to ease this development

•Software Development Kits [SDK’s]• Paymentech has developed “Kits” to help a

merchant program to the Gateway. They are available as an alternative to XML.

• Available SDK’s: Java, Perl, C++, COM

•The Message Specs and SDK’s can all be found on the web at:

• http://www.paymentech.net/download

On-line Integration

Options

IMPLEMENTATION• Merchant Certification

– Ensures the interface is complete / Tests with the Merchant

• Escalation Support to Gateway team as needed

LIVE:• Customer Service [24x7]

– Phone: 866-645-1314– Email: [email protected]

• Operation Support– 24 X 7 Bridge– Unix Admins / Network Admins on call– Developers on call if necessary

Support

• Paymentech vs. Third Parties• Single Source Service• Financially Sound Provider• True 24 x 7 Support• Consistent Order Number Throughout Process• Complete Auth Response Codes [Gateway and

Host]• XML – Open Standard – Works On Any Platform

• Gateway vs. Frame• Speed To Deploy / No Telco Lead Times• Online Auth & Capture / One Step Process• Virtual Terminal - Multi User “Payment Manager”• Global Connectivity - Any Time, Any Where

Sales Tips

Service reliability• Runs on Paymentech’s technology

infrastructure that currently supports over 100 million items per year and maintains a 99.999% uptime

• Customer Service• True 24 x 7 x 365 support

• 2-3 Second response time• Cost factor• Your Paymentech Relationship

Manager

Why Orbital

The Paymentech Difference

A partner that is Innovative,

Responsive and Flexible!

A program that is Easy to Sell,

Implement, Maintain and Manage!

Solutions You Need toSolutions You Need toGrow Your Business Today and TomorrowGrow Your Business Today and Tomorrow

Solutions You Need toSolutions You Need toGrow Your Business Today and TomorrowGrow Your Business Today and Tomorrow