June 18, 2009 VeriFone Software Solutions

2 Overview VeriFone not only offers hardware (i.e. Terminals and Pin Pads) but also a wide variety of Software Solutions for POS, ECRs and PCs to manage the credit card functionality of those systems –PCCharge PRO –PCCharge Payment Server –PAYware PC –PAYware Transact (formerly know as RITA) –PAYware Managed (formerly known as IP Charge) –PAYware SIM –PAYware SDKs –VeriShield Protect

3 Credit card software that resides on a PC User keys data directly into PC-Charge data entry screens, or uses card reader / Debit PIN pad / Check Reader Eliminates need for stand- beside credit card terminal What is PCCharge Pro?

4 HOW to sell PCCharge…  If you need payment processing software that is EASY to Sell, Install, Deploy and Configure – Choose PCCharge PRO  Easy to Sell $ wise - It’s competitive - Your Merchant probably already has the most powerful processing device “A Computer” or a “Laptop”. It is PCI PA-DSS Compliant! Version 5.8 and above is recommended for new deployments by the PCI council.  Easy to Install Installation wizard on the CD walks the merchant through setup  Easy to Register and Configure (setup) for your merchant Our technical help desk can assist your merchant; you can fill out an online request for a Configuration desk or an ftp link to be sent to your merchant via the Reseller’s Den on the Zone; or you can provide them with a “tear” sheet with the merchant specific information they need to enter into their PC Charge Setup and you or our help desk can help them do it! WHY sell PCCharge…

5 To whom do I sell PCCharge PRO? The opportunities are endless and growing every day as PCI Compliance requires new software or new terminals: PCCharge software has been successfully installed in over 300,000 different merchant locations using a PC instead of a credit card terminal and is certified with EVERY major credit card processor/host. It is supported by the most trusted name in Payments: VeriFone! Retail merchant using dial, IP or wireless/Wi-Fi connectivity Swiped Credit and Pin Based Debit with a PP1000SE Service, Professional Industries MO/TO – for Keyed transactions with AVS, CVV Recurring billing or customer database billing E-Commerce – Keyed transactions Restaurants (check with your processor) Home-based businesses (definitely growing) Businesses with LAN (local area network) connections Purchasing Card level II merchants

6 A Sampling of VeriFone Software Customers The Lodge at The Grand Canyon AND in your regular mom and pop business: Joe’s Pizza, Sal’s Cleaners Louise’s Café and your local chiropractor

7 Graphical User Interface (GUI) = Easy to use

8 Can I process my gift cards through PCCharge PRO? Yes, definitely! Wrap your arms around your merchants! Lessen your attrition rates! Many Value Added Partners have incorporated their solutions with PCCharge and your setup is easy. The drop-down box under SETUP in the PCCharge screen allows one to see and setup the companies that are certified: GIFT CARD COMPANIES: Chase PaymentechSecure Payment Systems DatamarkSmart Transaction Systems Fifth Third St PeteStored Value Systems First Data/AtlantaTSYS GivexValueLink MelleniaValutec RBS World Pay (Lynk)World Gift

9 Check Companies Certified to Process through PCCharge Authorization and or Guarantee (check with the check company) Alliance Data SystemsNational Check Network CertegySecure Payment Systems Chase Paymentech TampaTelecheck Elavon First Data North ECA: Secure Payment Systems Which check readers, card readers and printers work with PCCharge? See our list at our Corporate website: Software, Card Acceptance, PC Charge

10 Windows 2000, Windows XP, Windows Server 2003 Enterprise or Standard Editions, Windows Vista Business Edition (32-bit) 256 MB RAM (512 MB Preferred) 50 MB free space on hard drive (100 MB Preferred) Internet connection or Hayes compatible modem capable of 1200 baud or less with phone line CD-ROM drive 600 MHz or higher processor MS Internet Explorer Ver. 6 or higher Latest MS service packs installed We do not support Windows 98, Vista Home or Mac PCCharge Pro Version 5.8 System Reqs

11 Where can I buy and what If my merchant needs support? Many larger acquirers have direct purchasing agreements with VFI or you can purchase from one of our Terminal Distributors and get great pricing for copies as you need them: POS Portal, TASQ, The Phoenix Group or JR’s POS among others All copies of PCCharge are sold with one year of help desk support which starts at time of registration of the software. We recommend that merchants renew their support annually. If a merchant’s support is up to date, they can call the help desk and receive assistance 7 days a week, 9AM to 9PM EST. Renewed support may be purchased by calling , option 1 or at our Our PCCharge technical support line is

12 What about Integrated Solutions? My customer uses a dry cleaning software a jewelry store software a car wash software a restaurant application etc. They tell me their Software is integrated to PCCharge on the backend to run the credit card transactions: What do I sell to my merchant?

13 PC Charge Payment Server PCCharge Payment Server Software has been the credit card Software of choice for “integrated” solutions for years. Many front end software solutions for specific industries use PCCharge Payment Server on the “backend” to be the PCI-PA-DSS credit card engine to send the card transactions to the host. PCCharge Payment Server is based on PCChargePRO, but does not contain the customer database or recurring billing functionality (that would be written into the customer’s front end software). Both PCChargePRO Software and PCCharge Payment Server Software come on the same CD, so, don’t worry, if you find out you need Payment Server at the time of install, you’ll be all set!

14 Regarding Integration While there are many front-end solutions integrated to PCCharge Payment Server, we don’t have every software integrated. If they don’t mention PCCharge Payment Server – don’t walk away! CALL US! We can provide Software Solutions to integrate into. We will provide the SDK/API at low costs to developers that want to partner with you, and with VeriFone!

15 Merchant POS Equipment or Work Stations Merchant S erver, w/ PC-Charge  PCCharge PRO or Payment Server installed on LAN or Integrated in POS  Merchant POS software or PCCharge Client gets transaction data and routes to server  PCCharge runs on server and processes transactions, reports, archival / retrieval, etc.  Shares the dial line or in most cases today, the IP Connection PCCharge – Additional Users

16 Can I run Multiple Merchants on one Copy of PCCharge PRO? Yes, with additional Merchant licenses, you can process for approximately 20 to 30 merchants in one copy of PCCharge PRO. Think of Doctors, Lawyers, Flea Markets…

17 Does PCCharge PRO and PAYware PC process FSA/HSA cards? Both PCCharge Version and PayWare PC have incorporated the capability (BIN ranges) for merchants to accept FSA/HAS cards Visit for details on what your Pharmacy merchants are required to do to accept FSA/HSA cardswww.SIG-IS.org

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19 Traditional Integrated Retail Merchant Scenario Louis runs a liquor store with 3 checkout lanes. He has IP connectivity (e.g. cable access) at each lane. He is using a specialty software in his POS system that keeps track of the liquor and wine purchases at checkout. The company that wrote Louis’ software wants assistance in being able to mitigate their risk for PCI PA-DSS compliance, so they’ve partnered with VeriFone and use PCCharge Payment Server software to help ensure the security and compliance of the credit card transactions. To Louis, the transaction is seamless – it flows from his software and back again without having to leave one program to open the other. Louis’ liquor software sits on a Server in his office. He needs PCCharge Payment Server software on his Server, and 2 or 3 additional Payment Server User Licenses for the other PCs at the lanes. When he adds another lane, he just needs to purchase an additional user license (not another copy of the Payment Server)

20 The New Retail Merchant Scenario #1 Alice opens a small bakery. She sells retail, over-the-counter baked goods, but also takes orders for wedding cakes and needs to take deposits. She also has tables for customers to relax, have a sip of coffee with a muffin and watch the news in the morning. Alice purchased a PC and made room for just that and her printer on the counter space dedicated to payment functionality. She didn’t think to get an analog telephone line and jack for her credit card terminal – She bought one of the package deals from her local cable company for Internet, TV and VOIP, which as we know, can be problematic for dial terminals. Sell Alice PCChargePRO for her PC. She can use the IP connectivity in her PC to run the transactions; she can use the database to keep track of her customers for marketing; keep track of those customers that have given her deposits and use the customer database for those customers who are steady purchasers – like the corporate office down the street.

21 The New Retail Merchant Scenario #2 Joe, cool dude, 30 years old, opens a bike shop. To cut costs and to be able to conduct business wherever he is – whether it be in the repair shop – on the sales floor – in the storage area - he decides not to get a landline telephone – he only uses a cell phone for his business. He’s grown up with and is used to cellular/wireless technology! In fact, he doesn’t even get cable or DSL in the store. He uses a laptop PC to access the internet and he uses a Wireless Card from his cellular provider to get internet access. So how does Joe process credit cards? Joe can’t use a traditional VFI dial terminal, he can’t use a VFI IP terminal because he has no cable or DSL modem or router, but he can use his PCCharge PRO! Because he has access to the internet through his Wireless Card, he can process credit and debit transactions in 3 seconds through his PCCharge PRO software. And he can attend shows and sell his goods anywhere he takes his laptop!

22 Multi-Merchant Scenarios Tom has two businesses and wants to keep track of the income from each separately. He doesn’t want to use a terminal as he likes the feel and look of using a PC. Tom purchases one copy of PCChargePRO with an additional merchant number license. Julie is the office manager for a large doctor’s office. Each doctor has his own merchant number and bank account. Julie has 2 assistants who also need access to process credit cards. Julie purchases PCChargePRO with an additional merchant number license for each doctor, and 2 additional user licenses for the other two PCs being used in her office, in a LAN scenario.

23 What’s next from VeriFone’s Software Solutions? It’s already here!

24 Windows XP, Pro, or Windows 2003 Server Edition, Vista Business Edition (32-bit), Vista Home Premium or Vista Home Basic 512 MB RAM (1 Gb Preferred) 500 MB free space on hard drive (1 Gb Preferred) Internet connection or Hayes compatible modem capable of 1200 baud or less with phone line CD-ROM drive 1GHz or higher processor (2 GHz preferred) MS Internet Explorer Ver. 6 or higher Latest MS service packs installed Does not support Windows 98, Windows 2000 or MAC PAYware PC System Requirements

25 PAYware PC Client – GUI based on Microsoft Office 2007 Look

26 PAYware Management Client makes SETUP of Processor easy

27 What is PAYware PC and why should I sell it? Windows.NET Framework - Built for today’s more robust and faster PCs; more in sync with knowledge base of current developers who wish to integrate their “front-end” software Windows Service – Better for users – if Windows or the server reboots, PAYware PC automatically restarts - no need to sign back in – helps to prevent loss of transaction information from additional client users MS SQL 2005 Express Database – Uses a more robust, more stable and larger Database for the Customer Recurring billing information than PC Charge; notifies merchants of expired cards in database, for uninterrupted sales; notifies merchant if they have scheduled transactions to process Additional User License capability – Updating of customer database and ability to view transactions by other users in the network helps with daily management of transaction flow. (not available in PC Charge) PAYware PC, the next generation of PCCharge, turns any PC-based POS system or computer into a powerful, secure, payment-accepting payment device without interfering with other programs.

28 Customer Database for Recurring or Rebilling transactions The $ amount of the transaction can be changed for each submission

29 What is PAYware PC and why should I sell it? Smart Settlement management with Manual or Auto close based on merchant’s needs – no need to download a separate auto close utility for host based processors as in PC Charge. Automatically sends an at settlement to up to 3 addresses designated by user. Like PC Charge, it can be used in a Client-Server scenario or can be written into an Integrated solution. Additional users have more accessability to information formerly reserved to the main license. More expandable Cashier permissions and/or limitations FSA/HSA card acceptance (check with your processor) Purchasing Card Level III certified for BtoB and Government cards on TSYS; Chase Paymentech scheduled 10/2009 PAYware PC, the next generation of PCCharge, turns any PC-based POS system or computer into a secure, payment-accepting payment device without interfering with other programs.

30 Settlement Management

31 What is PAYware PC and why should I sell it? Reporting Features are Customizable by the User If one previously used the Customer Database in PCCharge – the Import function easily provides importing of the PCCharge customer database into PAYware PC Automatic Update Requests – no need to purchase interim updates of current versions of PAYware PC. e.g. 1.3 to 1.4. PAYware PC automatically checks for updates on a daily basis at a time designated by the user, similar to what is done with Windows update services. Helps to guard against PCI PA-DSS non-compliance. PAYware PC, the next generation of PCCharge, turns any PC-based POS system or computer into a secure, payment-accepting payment device without interfering with other programs.

32 Update Manager

33 What is PAYware PC and why should I sell it? Pin Based Debit with the PP1000SE or the “Mx line with Debit Encouragement” SIGNATURE CAPTURE built – in – at no extra charge in conjunction with the use of VeriFone’s Mx Pin Pad line no development needed; already done through the use of our PAYware SIM (Secure Integration Method) Software! PAYware PC, the next generation of PCCharge, turns any PC-based POS system or computer into a secure, payment-accepting payment device without interfering with other programs.

34 Device Manager

35 PAYware PC – Target Markets and Sales Channels Target Markets: –Tier 3 and Tier 4 merchants i.e. small to medium businesses –Distributed processing for multiple locations – i.e. Works well in either a LAN or WAN scenario –Swiped or Card-not-present – eCommerce, Mail Order, Direct Marketing, Call Centers –Windows based Developers/Integrators who need a payment engine for their POS, Accounting, or ERP application - Developers appreciate the ease of integration to this Software! –Low cost SDKs to Developers –Take Advantage of VeriFone’s commitment to work with Software Developers – it can mean a larger merchant base for you with loyal customers – working with VeriFone oriented Integrators shows that you are knowledgeable in our industry and committed to offering the best solutions to your merchants!

36 Sample source code included with the PAYware PC Development Kit PAYware PC Development Kit

37 Secure Integration Method (SIM) Control The SIM controls the flow of all sensitive cardholder data (mag- stripe, KSN, Pin Block) without the integrated application ever having to handle it, or even see it In essence, the integrator need only pass the amount and the transaction type, and the SIM will handle terminal prompting and gathering of information All transaction message building is done by the SIM, eliminating the need for an integrator to build an XML string manually When you come across Integration Possibilities – let us know! Remember that PCI PA-DSS compliance is a reality and a hassle for many software developers. Integrating to PAYware PC solves their recurring PCI certification problems which costs thousands of dollars every time a version change is made. Let VeriFone maintain the PCI PA-DSS responsibility for them!

38 Processor Certifications as of June, 2009 – updated on

39 Where can I find more information? Sales Sheet, Developer Sheet, White Paper, Overview Slide Show For more information as an acquirer, please contact our PAYware Sales Department at (800) , option 2 or via at direct line Request to sign up for the Reseller Den via the Zone Our Corporate Website: You will find marketing materials to download, comparisons of PCCharge to PAYware PC, certified processors and VAPs for each product, forms to request merchant number changes, etc. Download the free “DEMO” of PC Charge from the same site – learn how to use and you’ll understand how to sell.

40 Merchant BenefitsFeature/TechnologyPAYware PCPCCharge Harness all the functionality the solution offers Results-inspired User Interface based on Office 2007 YESNO Perform any task with fewer mouse clicks and keystrokes Streamlined navigation and dynamic menusYESNO Superior speed and reliability; can handle a large amount of customer data Modern SQL 2005 Express Database and.NET Framework YESNO Automatically schedule and perform time- consuming or redundant tasks quickly and accurately Scheduled Task ManagementYESNO Easily edit, schedule and perform settlements automatically Smart Settlement ManagementYESNO Encourages PIN debit acceptance for lower transaction fees BIN ManagementYESNO Reduces burden and liability End-to-end Device Management, Configuration and Handling YESNO Easily remain current and compliantAutomatic updatesYESNO Prevents misuse and restricts access to customer records Administrator-level user access controls and role- based permission rights YESNO Process contracts and create notifications automatically Customer Database AutomationYESNO Conveniently process all payments from one interface Full authorization and settlement functionality for Credit, Debit, Gift, Checks, and EBT YES Reduce fraud and lowers the risk of chargebacks Full support for Retail and MOTO business types including AVS and CVV2/CVC2 YES Create new revenue streams by accepting B2B transactions Purchase Card II & III support for B2B transactionsYESLevel II only Efficient intelligence gathering of all processing and user activity Powerful, real-time reporting functionalityYES Shields and protects cardholder data; meets the latest PCI security guidelines PABP ValidatedYES Aligns with business needs Use in conjunction with many financial software applications YES Benefits & Features Comparison

41 Marketing Materials

42 Join us for our next Webinar on our Internet Gateway solution “PAYware Managed” (Formerly known as IP Charge) Featuring our VeriShield Protect Encryption Solution with our Vx terminals managed by PAYware Managed Details to follow in future announcements. Look for us at the Innovators Hall at the Midwest Acquirers Association Meeting in Lombard, IL July 22 to 24, 2009