Authorize.Net an overview

What is Authorize.Net? Authorize Settle Manage transactions From a website Retail store Mail order/telephone order (MOTO) Call center Mobile device

Authorize.Net Advantages Integration 3rd Party Support More Than 200 Integrated Partners Merchants Choose Integration Method Dedicated Integration Team Sample Scripts Available Stability/Reliability Data Center Redundancy Continually Increasing Capacity PCI Compliant (Visa CISP, MasterCard SDP & Discover DISC) Yearly Security Audit Performed by Trustwave Dedicated Risk Management Group

Standard Gateway Features & Tools Merchant Interface Transaction History Help Guides Integration Specs Billing Details News Updates Automatic Upgrades AVS & Card Code Filters QuickBooks Reporting Feature Multi-User Accounts Access to Free Customer Support Virtual Terminal MOTO and Retail Transactions Integration Methods SIM: Server Integration Method AIM: Advanced Integration Method DPM: Direct Post Method Simple Checkout Over 200 Shopping Carts and Software Companies

Merchant Interface (MINT)

Merchant Interface Tools Navigate and modify account settings Virtual Terminal- For manually processing CC and eCheck transactions or refunds Upload Transactions- For batch processing of transactions from a spreadsheet or billing application Search and download- To search for multiple transactions over a range of settlement dates Reports- To review statistical data for settlement activity

Value Added Services eCheck.Net Fully integrated electronic check payment method Automated Recurring Billing (ARB) Convenient and easy-to-use tool for managing recurring transactions Advanced Fraud Detection Suite (AFDS) Customizable, rules-based filters and tools that identify, manage and prevent potentially fraudulent transactions Customer Information Manager (CIM) Allows merchants to store their customers’ sensitive payment data on our secure servers for future transactions

eCheck.Net Note: Merchant must submit separate application Accept and Process Electronic Check Transactions No additional integration necessary Accept payments over the internet or by phone Charge for one-time or recurring payments Collect funds from personal or corporate bank accounts Reconcile eCheck.Net Deposits Settlement statement with transaction details Separate reports for Settlement, Billing, Funding Calculation and Risk Reserve activity eCheck allows online and traditional merchants to accept and process electronic check payments – either directly from their websites store front or thru the Anet Virtual terminal. Easy for online businesses to add an electronic check payment option to their website. (Must first have an Anet Payment Gateway account established. ) ACH- Automated Clearing House Adheres to NACHA guidelines- National Automated Clearing House Go over new pricing structure if appropriate.

Automated Recurring Billing Automated Recurring Billing (ARB) enables merchants to set up payment schedules for subscription-like services that they offer to their customers. Reduce tedious data entry Eliminate manual tracking of credit card expiration and subscription information Build customer loyalty and retention Easy setup and low maintenance

Automated Recurring Billing (ARB) Overview ARB Subscriptions Fee based service (setup and monthly fee) eCheck and credit card are valid payment methods Subscriptions created through ARB interface, uploaded transaction data, or from previous transaction Merchant sets recurrence intervals and trial period Merchants can search, edit and cancel subscriptions at any time Merchant can receive emails specific to subscriptions

Advanced Fraud Detection Suite (AFDS) overview A set of customizable, rule-based filters and tools that identify, manage and prevent potentially fraudulent transactions

Helps protect against processing fraudulent transactions resulting in Why Helps protect against processing fraudulent transactions resulting in Stolen products/services Credit card testing

AFDS Filters There are 12 AFDS filters that work together to evaluate transactions for indicators of fraud. Authorize.Net also offers a Daily Velocity Filter at no charge.

The Filters Daily Velocity Filter (Free & not part of AFDS) Amount Filter Hourly Filter Shipping-Billing Mismatch Filter Transaction IP Velocity Filter Suspicious Transaction Filter Authorized AIM IP Addresses IP Address Blocking Enhanced AVS Handling Filter Enhanced CCV Handling Filter Shipping Address Verification Filter IP Shipping Address Mismatch Filter Regional IP Address Filter

Customer Information Manager (CIM) Overview CIM allows merchants to store their customers’ sensitive payment information on Authorize.Net’s secure servers for use in future transactions –tokenization. CIM helps eliminate steps in the checkout process for repeat customers, potentially increasing loyalty and revenue. CIM helps eliminate steps in the checkout process for repeat customers, potentially increasing loyalty and revenue.

CIM and PCI –CIM is not a PCI compliance service CIM and PCI –CIM is not a PCI compliance service. It is a secure storage service and can help with the PCI DSS. PCI Data Security Standard Build and Maintain a Secure Network Install and maintain a firewall configuration to protect cardholder data Do not use vendor-supplied defaults for system passwords and other security parameters Protect Cardholder Data Protect stored cardholder data Encrypt transmission of cardholder data across open, public networks Maintain a Vulnerability Management Program Use and regularly update anti-virus software Develop and maintain secure systems and applications Implement Strong Access Control Measures Restrict access to cardholder data by business need-to-know Assign a unique ID to each person with computer access Restrict physical access to cardholder data Regulatory Monitor and Test Networks Track and monitor all access to network resources and cardholder data Regularly test security systems and processes Maintain an Information Security Policy Maintain a policy that addresses information security PCI Data Security Standard Build and Maintain a Secure Network Install and maintain a firewall configuration to protect cardholder data Do not use vendor-supplied defaults for system passwords and other security parameters Protect Cardholder Data Protect stored cardholder data Encrypt transmission of cardholder data across open, public networks Maintain a Vulnerability Management Program Use and regularly update anti-virus software Develop and maintain secure systems and applications Implement Strong Access Control Measures Restrict access to cardholder data by business need-to-know Assign a unique ID to each person with computer access Restrict physical access to cardholder data Regulatory Monitor and Test Networks Track and monitor all access to network resources and cardholder data Regularly test security systems and processes Maintain an Information Security Policy Maintain a policy that addresses information security

Signing up for value adding services Merchants can signup for value adding services through the MINT

Card Present Solutions (VPOS) Virtual Point of Sale (VPoS) Card-swipe reader (wedge) that connects to existing PC infrastructure and software solutions to enable secure payment processing. Compatible Magtek models: (21040101, 21040102, 21040146, and 21040140) Compatible ID Tech models: (IDMB-335133BM MSR; MMagII; USB/HID Interface; 3Tracks; Black housing IDMB-335133M MSR; MMagII; USB/HID Interface; 3Tracks; Beige housing IDMB-355133BM MSR; MMagDUO; USB/HID Interface; 3Tracks; Black housing IDMB-355133M MSR; MMagDUO; USB/HID Interface; 3Tracks; Beige housing)

Virtual POS

Merchant Mobile App

Integration Center Sample Code Implementation Guides The Integration Center Provides all of the tools and resources developers need to integrate the Authorize.Net Payment Gateway. Sample Code Implementation Guides Troubleshooting Tools FAQ’s Free Test Account Free Developer Support URL: https://developer.authorize.net

https://developer.authorize.net/testaccount/ Test Account Sign up for a free dedicated test account: https://developer.authorize.net/testaccount/

Reseller Technical Support: Support Numbers Reseller Technical Support: Toll Free Phone: 888-437-0481 E-mail: resellersupport@authorize.net Live Online Chat: Via the RINT Merchant Support: Toll Free Phone: 877-447-3938 E-mail: support@authorize.net Live Online Chat: Via the MINT

For questions My contact information Craig Storms | Alliance Manager Authorize.Net Phone: (801)-492-6458 E-mail: cstorms@authorize.net