1. Orbital Suite
May 2007

2. What is Orbital Suite?
Our proprietary suite of e-commerce payment solutions
Opens the door to easier internet payment card processing support and service
Available solutions include:
Virtual Terminal
Payment Gateway

3. The Traditional Model Merchant Has Three to Four Relationships
Contract
&
Fees
Contract
&
Fees
Transaction
Processing
Service
Contract
&
Fees
Web
Hosting
Service
Payment
Gateway
Service
Merchant
Acquirer
Payment
Processor
Merchant Has Three to Four Relationships
Dependent on Three to Four Vendors

4. The True Data Partner Model
Merchant
Contract
&
Fees
Contract
&
Fees
Web
Hosting
Service
Payment Gateway
Service
Payment Processor
Merchant Acquirer
Merchant Has At Most Two Relationships
Dependent on One to Two Vendors

5. Virtual Terminal
A web-based terminal application hosted by Paymentech which performs the processing functions of a physical POS terminal and much more
For CNP (Card Not Present) transactions only
Eliminates the need for certification, additional hardware, software, and dedicated phone lines
Accessible from any web-enabled PC

6. Web-based Browser Application
Merchants simply collect orders off their website or accept telephone or mail orders. Log in to the secure Orbital Virtual Terminal site to initiate authorizations, settlements, refunds, voids, etc.
Transactions processed directly from the merchant to Paymentech providing a single point of reconciliation
No added vendor relationships, technical interface or support required. Truly a “one-stop” payment solution

8. Wide Range of Payment Methods
The Orbital Virtual Terminal supports most payment methods offered by Paymentech. 
They include:
American Express
Discover
MasterCard
JCB
Visa
Purchasing Cards – Level II (Customer Code, Tax Amount) &
Level III  (Full invoice detail)
Stored Value/FlexCache
Fully enabled to allow merchants to manage split shipments, back orders, and reversals

10. Easy Batch Review
Merchant can view open and closed batch transaction data
Open Batch – Can view current month and transactions that have not been settled for up to four months
Closed Batch – Can view current month and transactions for prior 6 months
Merchant can search for transactions by card number, order number or date which can prove invaluable in resolving customer inquires and monitoring activity.
Transaction data is available on screen, in report (PDF format) and exportable file (CSV Format)

12. Easy End-of-Day Closing
Merchant has control over end-of-day processing:
Merchant can specify a time of day (within their local time zone) to have transactions “auto settled” which helps the merchant reconcile payments processed
Merchant can securely log on and initiate the batch settlement process at any time

13. Secure, Flexible Access
Logons can have restricted access rights to provide greater risk management and audit control at the point-of-sale
Merchants can:
Restrict users from performing Credits, Voids, or Settlements
Restrict users to only see a truncated view of the account number where only the last four digits display
"Multi-MID" logon may also be created so that merchants with multiple locations only need to keep track of one logon
Provides two-level user security access (User ID, Password)
Data transmission is protected with 128-bit encryption using Secure Sockets Layer (SSL) protocol, the recognized industry standard

14. Key-entered and Card Absent Transaction Tool
Supports the full range of needs: Authorization Only, Authorization and Capture, Refunds and Voids
Merchants can also enter extended order data as needed for tracking and reconciliation
Merchants who require a similar product - with the added ability to physically swipe cards - are ideal candidates for Paymentech's iTerminal

15. Built-in Fraud Tools Orbital Virtual Terminal supports:
AVS (Address Verification Service) – Attempt to verify customer address
CVD (Card Validation Data)
CVV2 (Card Validation Value 2) – 3-digit number located after the account number on the signature panel of all Visa cards and encoded in the magnetic stripe
CVC2 (Card Validation Code 2) - 3-digit number located after the account number on the signature panel of all MasterCard cards and encoded in the magnetic stripe
AMEX CID (Amex Card Identification Data) - 4-digit number printed, not embossed, on the surface of each American Express card
DISC CID (Discover Card Identification Data) - 3-digit number located after the account number on the signature panel of all Discover cards and encoded in the magnetic stripe

16. Built-in Transaction Management Tools
Merchant Selectable Response or MSR allows merchants to select certain response codes that they want to auto-decline. 
Example:
A merchant processes a transaction and receives an AVS response Code G. A Code G is a non-matching (or bad) AVS Response thus the Orbital system can automatically decline this transaction if the merchant chooses to use MSR.

18. Profile Management
Allows merchants to store their customer information (Credit Card Number, Expiration Date, AVS, etc) in Orbital's databases for future transaction processing.
Process subsequent transactions by that customer by Profile ID
Profile ID can be created by the merchant or assigned by Orbital
Alleviates the need for merchants to store sensitive credit card data on their servers.
Note: Profile Management is not to be confused with a recurring program, the merchant will still need to initiate the transactions using the Profile ID. 

20. Merchant Requirements
A PC or Macintosh with:
Internet access
Web browser Netscape 4.79 or higher
Windows Explorer 4.0 or higher

21. Set-up Process New Merchant Setup
Complete boarding process and indicate Virtual Terminal as the internet solution
Additional setup form for Virtual Terminal:
Orbital Setup Information Form
Existing Merchant Setup
Complete ASR and choose Virtual Terminal as the internet solution
Oribital Setup Information Form

22. Orbital Payment Gateway
Allows merchants to establish automated secure online transaction processing in a true one-stop-shop environment
Merchants can use this solution for any Card-Not-Present processing - meaning Internet, MOTO or Recurring

23. Broad Range of Interfaces
Orbital Gateway has been designed to enable payment processing for the most basic storefronts right up to a highly integrated e-commerce system.  Our integration options include:
XML Interface - Can be supported by virtually any commerce server 
SDKs (Software Development Kits) - Available to assist merchants in programming in various languages. Production versions now available: Java, Perl, C++, COM, .Net
Payment Modules –Paymentech is working to integrate the Gateway into industry leading commerce solutions like Kurant StoreSense Shopping Cart

24. Broad Range of Interfaces
Integration Options continued:
VAR Software - Many software companies have coded to the Paymentech Gateway to allow merchants a completely integrated solution. Contact the True Data for Orbital certified VAR information
Virtual Terminal – Small merchants can harvest orders off their web site and log on to our Virtual Terminal to initiate card authorizations, settlements, refunds, etc.  No technical integration is required.
Web Services Interface – A new way of Interfacing over the Internet that offers the coding simplicity of providing software without actually having to code. Web Services is independent of Operating System or Programming language
Batch Processing - Requires the merchant to develop code that generates XML formatted flat files with message requests. These files can be sent via S-FTP (File Transfer Protocol for Windows) over the Internet, or FTP (File Transfer Protocol) via Frame or Dial PPP (Point to Point Protocol). It allows for Multi-Merchant batch processing of up to 999,999 transactions per file. Due to association rules, CVV2, CVC and CID are not supported with the Orbital Batch.

25. High Scalability and Throughput
Already known for our high capacity and up-time payment processing, the Paymentech Gateway offers high levels of throughput, response time, and 24 x 7 availability
As a combined gateway and merchant processing service, merchants are not exposed to the risks of additional “transaction hops” inherent in the use of third party gateways (such as Authorize.net, CyberSource, Verisign Payment Services)

26. High Service Availability
Redundant servers eliminate single points of failure at the hardware, network and application levels 
The result: high service availability that automatically recovers -- all without interruption of service delivery

27. Wide Range of Payment Methods
Orbital Gateway supports most payment methods offered by Paymentech.  They include:
American Express
Discover
MasterCard
JCB
Visa
Purchasing Cards – Level II 
Purchase Card Level III – Must be on FDMS "S" Platform. 
FlexCache – Must be on FDMS "S" Platform. 
Bill Me Later
It is fully enabled to allow merchants to manage split shipments, back orders, and reversals

28. Easy End-of-Day Closing
Merchants can perform End-Of-Day Closing in one of 3 ways:
Send in a Automated End-Of-Day transaction (from XML, Software Development Kit or Web Services) 
Log on to the Virtual Terminal and click on "Settle"
Use the "Auto-Settle" function which allows Paymentech to settle the merchant’s End-Of-Day automatically at any time the merchant desires

29. Online Transaction History
Orbital Virtual Terminal retains transaction history for merchants to access from anywhere and at any time. Researching past orders by card number, order number or date is invaluable in resolving customer inquires and monitoring activity.
Data is available on screen, in report (PDF format) and exportable file (CSV Format).
All Orbital Gateway Merchant IDs come with free access to the Virtual Terminal

30. Key-entered and Card Absent Transaction Tool
The Orbital system is for “key entered” or “card absent” transactions only
Supports the full range of transactions: Authorization Only, Authorization and Capture, Capture of a Previous Authorization, Refunds and Voids
Merchants can also enter extended order data as needed for tracking and reconciliation

31. Transaction Security
Data transmission is protected with the industry standard Secure Sockets Layer (SSL) protocol 
The SSL communications capability is built into our transaction interface, with all transmissions encrypted 
Both SSL Socket (SSL TCP/IP) and HTTPS protocols are supported

32. Network Security
Paymentech’s production network is protected with a set of firewalls that prevent any network access to our servers
Sensitive transaction data is secured behind internal layered defenses that prevent direct access to transaction databases

33. Built-in Fraud Tools Orbital Gateway supports:
AVS (Address Verification Service) – Attempt to verify customer address
CVD (Card Validation Data)
CVV2 (Card Validation Value 2) – 3-digit number located after the account number on the signature panel of all Visa cards and encoded in the magnetic stripe
CVC2 (Card Validation Code 2) - 3-digit number located after the account number on the signature panel of all MasterCard cards and encoded in the magnetic stripe
AMEX CID (Amex Card Identification Data) - 4-digit number printed, not embossed, on the surface of each American Express card
DISC CID (Discover Card Identification Data) - 3-digit number located after the account number on the signature panel of all Discover cards and encoded in the magnetic stripe

34. Built-in Transaction Management Tools
Merchant Selectable Response or MSR allows merchants to select certain response codes that they want to auto-decline 
Example:
A merchant processes a transaction and receives an AVS response Code G. A Code G is a non-matching (or bad) AVS Response thus the Orbital system can automatically decline this transaction if the merchant chooses to use MSR.

35. Profile Management
Allows merchants to store their customer information (Credit Card Number, Expiration Date, AVS, etc) in Orbital's databases for future transaction processing
Process subsequent transactions by that customer by Profile ID
Profile ID can be created by the merchant or assigned by Orbital
Alleviates the need for merchants to store sensitive credit card data on their servers
Note: Profile Management is not to be confused with a recurring program, the merchant will still need to initiate the transactions using the Profile ID 

36. Requirements Technical Development Skills
Secure Socket Layer (SSL) Internet Connection (S-FTP or FTP required for Orbital Batch Interface)
Static IP Address for Source IP Authentication 
128 Bit Encryption

37. Functionality Orbital Gateway supports:
Batch Processing
Online Auths & Online Captures
Online Auth/Capture 
Purchasing Card Level II & III
Force Transactions
AVS, CVV2, CVC & CID
All Card-Not-Present transaction types
Orbital Gateway does not support:
Private Label

38. Pricing and Setup Process
Pricing – Eric Machado
Setup – True Data Merchant Services
Ext.100

39. Product Information Orbital Brochure Virtual Terminal Product Sheet
Virtual Terminal Quick Reference Guide
Virtual Terminal User Guide

40. Help Desk Numbers Gateway Support Center:
Phone:  (Domestic)
Phone: (Merchants calling outside the U.S.)  
Support is available 24 hours per day!

41. Why Orbital Suite? Service reliability Customer Service
Runs on Paymentech’s technology infrastructure that currently supports over 100 million items per year and maintains a % uptime
Customer Service
True 24 x 7 x 365 support
2-3 second response time