Why Partner with ACH Direct? A single integration enables your software to Process all major payment types Access all major payment networks Utilize the latest fraud protection tools Lifetime residual revenue share on ALL profit centers Simplify compliance and security requirements Partnership has its Benefits

Payments Gateway What is Payments Gateway? Payments Gateway is ACH Direct’s portal through which your software connects to all major payment types and networks Payment types include: Major Credit Cards Debit Cards Electronic Check Bill Pay

Payments Gateway Accepts all major credit cards VISA/MasterCard American Express Discover JCB

Payments Gateway Connect to all major Networks 1 st Data Chase/Paymentech Global Payments TSYS Elavon (formerly NOVA)

Secure Credit Card Payments Process

Secure Electronic Check (ACH) Payments Process

Anti-Fraud Tools How does ACH Direct protect against fraud? Your software can take advantage of our suite of anti-fraud protection tools, including: IDVerify TM ATMVerify ® NCNVerify

Partner Responsibilities Integration of software into Payments Gateway Merchant marketing Lead generation Customer service for software/product offering

ACH Direct Responsibilities Individual merchant sales/closing Merchant application assistance Partner training Marketing support Underwriting and enrollment of merchant Merchant training Merchant billing and collections Customer service/support on service offering Processing merchant transactions Track, report and pay partner commissions

Compliance & Security How does ACH Direct reduce compliance complexity and security risk level? Simplify the process for making your software compliant Minimize liability by outsourcing sensitive consumer financial data Reduce risk of Non-compliance Security breach Eliminate the need for certain costly compliance audits ACH Direct’s solutions are compliant with: NACHA Rules & Regulations CISP/PCI PABP

Integration Methodologies How does the software connect to ACH Direct? Payment processing through Payments Gateway can occur with both real-time and batch methods: Advanced Gateway Interface – Traditional application program interface Secure Web Pay – Internet-based API Batch Method – Flexible format for bulk/high-volume transaction processing

Advanced Gateway Interface What is Advanced Gateway Interface (AGI)? Secure, comprehensive electronic payments integration Supports single and recurring transaction processing Provides greatest flexibility for maintaining programming control Solution for processing all payment transaction types, including: Face-to-face Web-based Mail/Telephone Electronic Checks Credit/Debit Cards

Secure Web Pay What is Secure Web Pay? Turnkey solution for web-based payment processing Internet-based Application Processing Integration (API) Secure, comprehensive electronic payments integration Link directly from any website to ACH Direct Eliminates your need for secure certificate Automatically incorporates ACH Direct’s authentication and verification capabilities ACH Direct takes on all responsibility related to Processing payments Securing submitted data Rules and regulations compliance

Ways to Pay Benefits of Secure Web Pay vs. AGI * Only when using Internet-based payment option. FeatureSWPAGI Anti-Fraud ProtectionAnti-Fraud ProtectionXX Recurring PaymentsRecurring PaymentsXX Single PaymentsSingle PaymentsXX Credit CardsCredit CardsXX Debit CardsDebit CardsXX Electronic ChecksElectronic ChecksXX Web-based paymentsWeb-based paymentsXX Face-to-Face Payments X Mail/Telephone Orders (MOTO) X SSL Certificate Required X*

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