1. acqENGIN Functional Review © 2010 M2. All rights reserved.

2. Functional Review Transaction processing options Merchant configurations/Set up Merchant Reporting Suite Portfolio Reporting Suite © 2010 M2. All rights reserved.

3. Processing Options API Secure Batch (Batching Function) VPOS (Virtual Point Of Sale Terminal) Payment Page/Payment Button © 2010 M2. All rights reserved.

4. Transaction Processing Options API –Direct HTTPS request The process of performing a transaction can be broken down into a few simple steps. There are three basic stages of actually performing a transaction: (See API Guide for more detailed information) 1. Creating the transaction request 2. Performing the transaction via HTTPS/SSL TCP/IP 3. Retrieving the transaction response 4. Parsing the transaction response 5. Evaluating the transaction response © 2010 M2. All rights reserved.

5. Transaction Processing Options Secure Batch The process of performing a transaction can be broken down into a few simple steps: (See Secure Batch Specifications for additional information) Batch files can also be manually uploaded and processed by the merchant in the merchant reporting site. 1. Creating the Batch input file 2. Creating a transmission request 3. Performing the transmission via HTTPS/SSL TCP/IP 4. Retrieving the transmission response 5. Parsing the transmission response 6. Evaluating the transmission response 7. Parsing the batch output file © 2010 M2. All rights reserved.

6. Transaction Processing Options VPOS The Virtual Point of Sale Terminal is located within the Merchant Reporting Suite. (MRS) This is a manual terminal that requires the merchant to enter in all transaction information as seen here. © 2010 M2. All rights reserved.

7. Transaction Processing Options Payment Page The payment page was designed for merchants who do not manage their own payment pages or collect any card holder information at all. The merchant is provided with HTML code creating a “PayNow” button on their site. When the customer decides to “Pay Now” an M2 hosted secure Payment page is launched. Merchants are notified of successful purchases via e- mail. © 2010 M2. All rights reserved.

8. Merchant Configuration Merchant Creation Merchant Processing Configurations Merchant Fraud Guard Set Up © 2010 M2. All rights reserved.

9. Merchant Configuration Merchant Creation Merchants are created and configured in our Portfolio Reporting Suite. (PRS) Basic merchant contact information is required for set up. Fees, Reserve, MCC and currency are also configured here. Transaction path is also located within this set up from a predetermined list of options. © 2010 M2. All rights reserved.

10. Merchant Configuration Merchant Processing Configurations After a MID is created merchants are assigned Vendor ID’s which are configured with very specific automated processing rules. A Merchant can have more than one Vendor ID which can be configured using different processing rules. 1. AVR Qualifying with auto void or auto complete 2. CVQ Qualifying with auto void or auto complete. 3. Acceptable action types 4. Acceptable card types 5. Merchant Descriptor 1 and 2 6. Enable Negative Bin Scrubbing 7. Enable Negative Database Scrubbing (card specific) 8. Enable Decline Database Scrubbing. (Card Specific) © 2010 M2. All rights reserved.

11. Merchant Configuration Merchant Fraud Guard Set Up In addition to the VID level processing rules, each MID can be configured for fraud scrubbing. Fraud guard can be configured to alert Licensor of infraction, stop the transaction is it will trigger a fraud rule or it can do both. 1. Compare credit to sale/post amount 2. Compare pre to post amount 3. Max individual transaction amount 4. Max daily sale/post transaction count 5. Max daily sale/post transaction amount 6. Max daily credit processing amount 7. Max daily credit to sale ratio- Can be configured per card type 8. Card specific max daily debit amount 9. Card specific max daily transaction count 10. Card Specific Max daily credit amount © 2010 M2. All rights reserved.

12. Merchant Reporting Suite (MRS) The Merchant reporting suite provides real time web based account activity reports. Reconciliation section including incoming chargeback data/merchant ledger Merchant configurable user’s and group section VPOS/SECURE BATCH screens Secure Document Delivery system Account configuration information – View Only. © 2010 M2. All rights reserved.

13. (MRS) Account Activity Reports Account activity reports 1. Transaction summary report 2. Detailed transaction report 3. Account Velocity 4. Advanced Search © 2010 M2. All rights reserved.

14. (MRS) Account activity reports Transaction Summary report This report displays a summary of successful transactions as well as failed transactions for a specific configurable time frame. This report also includes a graph for an at a glance look at processing information. © 2010 M2. All rights reserved.

15. (MRS) Account Activity Reports © 2010 M2. All rights reserved.

16. (MRS) Account activity reports Detailed transaction report This report provides a downloadable detailed list of individual transactions processed during the requested time frame. Card numbers are “clickable” which will launch a card history search outlining the specific transactions from that particular card holder. Ticket numbers are also “clickable” allowing the end user to view additional information for the transaction i.e. address etc. © 2010 M2. All rights reserved.

17. (MRS) Account Activity Reports © 2010 M2. All rights reserved.

18. (MRS) Account Activity Reports © 2010 M2. All rights reserved.

19. (MRS) Account activity reports Account Velocity Report This report provides color coded bar charts which display transaction volume and amount per hour for a given 24 hour period © 2010 M2. All rights reserved.

20. (MRS) Account Activity Reports © 2010 M2. All rights reserved.

21. (MRS) Account Activity Reports Advanced Search function This form is used to locate a specific transaction record with some or all transaction information. i.e. Name, Amount, Trans ID# © 2010 M2. All rights reserved.

22. (MRS) Reconciliation The reconciliation section consists of settlement report/Ledger data as well as chargeback review information. © 2010 M2. All rights reserved.

23. (MRS) Reconciliation © 2010 M2. All rights reserved.

24. (MRS) Reconciliation © 2010 M2. All rights reserved.

25. (MRS) User’s & Groups The merchant user’s and group section allows a merchant to create his own users for his MRS system. Users are then put into security groups which can be configured with specific page permissions within MRS. © 2010 M2. All rights reserved.

26. (MRS) User’s & Groups © 2010 M2. All rights reserved.

27. (MRS) Secure Document Delivery MRS and PRS work together with the Secure Document delivery system. The delivery system allows a merchant to send e-mail and or files to the PRS licensor within the system structure. © 2010 M2. All rights reserved.

28. (MRS) Secure Document Delivery © 2010 M2. All rights reserved.

29. (MRS) Secure Document Delivery © 2010 M2. All rights reserved.

30. (MRS) Account Configuration information The Account configuration information can be found in the “accounts” tabs in MRS. All fraud guard settings as well as processing configurations are located here. © 2010 M2. All rights reserved.

31. (MRS) Account Configuration Information © 2010 M2. All rights reserved.

32. Portfolio reporting Suite (PRS) The Portfolio reporting suite provides real time web based account activity reports for ALL merchants under the License. Reconciliation section including incoming chargeback data/merchant ledger per merchant or cumulated Portfolio configurable user’s and group section similar to the MRS users and groups section Secure Document Delivery system for receiving and responding to merchant initiated inquiries. Account configuration as outlined in the previous slides for set up. © 2010 M2. All rights reserved.

33. Portfolio reporting Suite (PRS) © 2010 M2. All rights reserved.

34. Thank You © 2010 M2. All rights reserved.