Why Use Multiple Processors Why Use Multiple Processors? This panel of experts will discuss their learnings from leveraging multiple processors including implementation options, pain points, and key metrics to get the most out of your payments. Brynn Stensile – Spokeo – Manager of Payments and Fraud Prevention Cyndi Hoddinott – Survey Monkey – Director, Global Payments Caleb Callahan – Jet.com – Director of Payments and Fraud

Overview Benefits Challenges Implementation Measurement & KPIs Q&A Which organizations should use multiple processors and why? Challenges What to consider before adding another processor Implementation Steps to a successful multiple-processor program Measurement & KPIs Q&A

Benefits Flexibility & redundancy Ability to mitigate risk Outages Chargebacks & fraud Competitive pricing International coverage Differences in offerings & product gaps

Challenges Reduced pricing scale with transactions shared across multiple processors Internal/external systems (gateway) to route transactions; business rule complexity Incremental Operational Overhead Dual reporting and consolidation processes for merchant reporting Multiple account management and POC’s Incremental monitoring, more potential to miss issues at smaller scale Duplicate processes for merchant set-ups; multiple portals (chargeback, reporting, etc.) Tokenization Digital wallet and alternative payments integration

Implementation Internal Gateway vs External Gateway (Partner) Transaction Routing Primary/Secondary Mixed Volume Rules based BIN Routing Dynamic BIN Routing Dynamic Attribute Routing Chaining / Retries A|B Testing Optimization

Measurement and KPIs Payment Service Provider (PSP) KPIs for comparison/optimization across PSPs PSP scorecard (includes technical / operational performance) Abandonment Rate (Hosted Payment Page/Redirects) Technical Service Levels SLA Actual Availability vs contractually obligated required Availability – Cost in Gross Bookings Auth Approval Rates (Cards) Incident Response – Adherence to Severity Level Advisement Timelines and Remedy Payment Acceptance Rates (APMs) Chargeback Rates Post Mortem Reporting (Root Cause) Chargeback Representment Rates Change Management Operational Service Levels Interchange Downgrades Fees/Cost Per Transaction Cost Per Transaction SLA/Operational Responsiveness Daily/Monthly Reporting Quarterly/Annual Reports and Reviews

Q&A

Today’s Speakers: Brynn Stenslie, Spokeo, Manager of Payments and Fraud Prevention bstenslie@spokeo.com Cyndi Hoddinott, SurveyMonkey, Director of Global Payments cindih@surveymonkey.com Caleb Callahan, Jet.com, Director of Payments and Fraud caleb@jet.com If you have any questions about the presentation, go to our LinkedIn Group (the Payments Education Forum) and request an invitation (this is a closed group specifically for the payments industry).