1. Credit Cards 101
Payment Processing, Inc. is a registered ISO/MSP of HSBC Bank USA, National Association, Buffalo NY, First National Bank of Omaha, Omaha, NE and a sponsored Independent Sales Organization of JP Morgan Chase.
©2005 Payment Processing, Inc. All Rights Reserved.

2. Overview
Why Accept Credit Cards?
Why Integrate Credit Card Processing?
Card Payment Process
Card Settlement Process
Where PPI Fits In
How PPI Helps You
About PPI
The Company We Keep
Closing and Contact

3. Why Accept Credit Cards?
Customer Satisfaction and Retention
Increased Sales / Retention
Larger Sales
Improved Efficiency with Paperless Payments
Improved Cash Flow – Secure Form of Guaranteed Payment
Speed of Checkout
Competitive Edge
Internet Strategy

4. Why Integrate Credit Card Processing?
Speed of Checkout and Processing Times
Less Counter Equipment
Accounting / Inventory Efficacy
Consolidates Cash, Checks and Credit Card Transactions for Better Accounting / Inventory Management
Maximizes Your Investment in Your POS

5. Today’s Payment World – Complex
“Processors”
PPI
Paymentech
Vital
Global Payments
Cardholder
Bank
Issuing Bank
Merchant Bank
Acquiring Bank
Internet
Card
Presented
Card
Presented
Card
Presented
Computer
Dial-Up or
Frame Relay
Authorized
Or Declined
Authorized
Or Declined
Authorized
Or Declined
Telephone
When an authorization is received, funds are settled and deposited into the merchant’s DDA account within Hours
Satellite
Merchant Bank
Depository Bank
Terminal
Cellular
PCCharge
PayMover
VeriSign
ICVerify
Authorize.net
PDA

6. Authorization Process Takes 3-15 Seconds
Card Payment Process
Customer Pays by
Credit Card
Joe’s Auto Service
Transaction Server
Acquiring Bank
Issuing Bank 
Authorization Process Takes 3-15 Seconds
Acquiring Bank
Accepts Cards
Has a Contract with the Merchant
Requests Authentication and Authorization
Pays the Merchant
Reimbursed by Association
Bills Fees to Merchant
Issuing Bank
Issues Cards
Has a Contract with the Consumer
Issues Authentication and Authorization
Pays the Association
Reimbursed by Cardholder
Bills Fees to Cardholder

7. Card Settlement Process
Wednesday
Monday
Tuesday
Thursday
Friday
Wednesday
Monday
Tuesday
Thursday
Monday
Batch Closed by
Processor
Tuesday
“Sweep”
& FRB Post
Cardholder
Accounts
Wednesday
Merchant Post
Merchant
Account 1
Account 2
Account 3 $
FRB 1
FRB 2
FRB 3 $ $

8. Trusted Technology Partner Development Level Support
Where PPI Fits In
Trusted Technology Partner
Development Level Support
Middleware Integration
Configuration
Testing
On-Going End-User Support
Magstripe Reader, Middleware, Connectivity
Merchant Account Provisioning
Credit / Debit / EBT Merchant Accounts
ACH Check Processing Accounts
Gift & Loyalty Programs
Middleware Provisioning

9. How PPI Helps You Get the Lowest Rates Avoid Duplicate Transactions
Terminals
Address Verification
Card Swiping vs. Hand Keying Transactions
Avoid Duplicate Transactions
Analyze Statements
Decide on the Best Solution
Fat Client vs. Thin Client Implementation
Solve Support Struggles – Hardware, Software, POS, Bank
PPI Partners with You to Help You Get the Best Rates and Support

10. Pioneer and Leader in PC-Based Transaction Processing
About PPI
Since 1995…
Pioneer and Leader in PC-Based Transaction Processing
Helped Over 500 Software Developers and 10,000 Merchants Implement Integrated Payment Processing
A Technology Company
Development Level & On-Going Support for Transaction Processing
Top 5 Independent Processors

11. The Company We Keep

12. Thank You!