ACFS PRODUCT FLYER. Its modular architecture allows a tailored integration, with a short time-to-market for different information systems.

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1 PRODUCT FLYER General Routing Financial System is modular software suite designed to support enterprises providing a MOTO Gateway (Mail Order Telephone Order), complete with tokenization, multi-acquiring and batch payment services. Its modular architecture allows a tailored integration, with a short time-to-market for different information systems. Copyright N&TS GROUP All rights reserved.

2 PRODUCT FLYER - General Routing Financial System Scenario The MOTO channel remains one of the most important channels when accepting electronic payments in card-not-present scenarios. The peculiarities of this channel require high security standards to protect merchants along with all the stakeholders involved in the process. This may not always be a straightforward process, since companies have to face the complexity of managing multiple circuits, payment streams, currencies and languages. The physical absence of card and cardholder rule out traditional swiping or chip-and-pin verification systems. The PCI (Payment Card Industry) Council places strict rules and guidelines on the required security measures and data protection, since data breaches potentially damage trust in the entire industry: these rules are enforced with terms of liability that place responsibility for stolen information on the player with the lowest level of PCI compliance. Mail Order and Telephone Order Payments in particular require special attention because of the necessity to acquire and store sensitive customer information, that is then used for all future transactions. Tokenization successfully solves this security issue by storing locally only an image (a token ) representing the actual data, which is recalled from the secure processing server only when needed for an authorized transaction. role in the Financial Systems Suite DEVICE MANAGEMENT CHANNEL MANAGEMENT ON-LINE PROCESSING OFF-LINE PROCESSING EMV & MAGNETIC CARD CARD PRESENT FRONT OFFICE BACK OFFICE mobile commerce FTFS dealer stations top up loyalty programs pin-pad manager FTFS POS manager authorization private circuits signature capture FTFS ATM manager fraud prevention card preparation acquiring clearing settlement CARD NOT PRESENT switching statement management M.O.T.O. gateway application based payment requests MTFS IGFS recurring payments e-commerce gateway international payment networks core accounting systems 1

3 PRODUCT FLYER Scheme CALL CENTER INTERFACE REPORT AND DASHBOARD M.O.T.O. GATEWAY TOKENIZATION CARD VALIDATION FRAUD PREVENTION DOMESTIC DEBIT Technical Features can be deployed in Java/Oracle environment. product features include: MOTO Payment Gateway Authorization and reversal Sales Charging & credit Multi-acquiring dynamic management Tokenization Pan aliasing Real Time Fraud Prevention Payment by Bank Account (MyBank and Sofort) APIs: Dot.Net, Java, PHP Merchant back-office Dashboard interface Reporting tools 2

4 PRODUCT FLYER Benefits at a glance: Enterprise Reduction in merchant fees Independence from a single acquirer Continuity of service in case of acquirer downtime Manage multiple payment methods from a single dashboard Savings on integration costs Savings on certification costs PCI PA-DSS certified product Real time fraud prevention Enterprises leverage the flexibility of the N&TS Financial Systems suite to choose the preferred routing of all the transactions in the system - this multi-acquiring option allows cost savings and empowers merchants in their relationship with acquirers. Security & Compliance Certifications N&TS Financial Systems suite protects personal data through the proprietary key management module JSSM. JSSM manages and stores cryptographic material used by the Financial Systems suite and implemented on the N&TS JTMS framework. JSSM is certified according to PCI DSS standards for the protection of sensitive data processed during transactions. PCI PA-DSS PA-DSS FOR ALL PRODUCTS 3

5 PRODUCT FLYER Scheme can be deployed in Java/Oracle environment. Financial American Express Cup Diners Discover JCB Maestro Mastercard Visa Acquirers BancaSella BNLPOSitivity Cartasì Iccrea Setefi Unicredit Cross-Border Acquirers BarclayCard ChasePaymentech Credorax Elavon Evo SixMultipay Worldpay Licensing & Services Licensed N&TS GROUP offers perpetual licenses (one time cost), on-going maintenance (H8/H24), support services, and application management (H8/H24) to clients that choose to host our products in house. Hosted N&TS GROUP provides hosting on PAYS GROUP certified sites, solving the issue of PCI compliance for enterprises. This solutions includes: complete configuration, monitoring, and third-party relationships. Please don t hesitate to contact us should you have any questions or require further information. Our team will gladly support you in your needs assessment. N&TS GROUP is committed to providing a fully certified and secure environment to its clients. N&TS itself never charges a fee for transaction, so the ROI of the product is fixed and easily measurable. The Financial Systems suite also leverages 20 years of international experience: our clients will find in N&TS a trusted partner accustomed to working with multiple countries, currencies, languages, and domestic debit circuits. 4

6 PRODUCT FLYER N&TS GROUP is a leader in the payment processing industry and the first provider in the world to certify its modular technology for Point-to-Point Encryption (P2PE). N&TS GROUP software suites have reached maturity through more than 20 years of experience in the market and a commitment to security and compliance. Today N&TS GROUP is actively managing transactions in card-present and card-not-present environments, in multiple currencies and in both global and local debit circuits. N&TS GROUP is the trusted partner of financial institutions and large enterprises that need to process multi-channel transactions with simplicity and security. N&TS GROUP headquarters are located in Milan and the company has branches in both Europe and North America, with offices in London and Miami. Our software industry process is compliant with the PCI Level 1 and ISO 9001 standards, certified by TUV. CORPORATE HEADQUARTERS REGIONAL HEADQUARTERS - UK REGIONAL HEADQUARTERS - USA Milan MilanoFiori Strada 4 Palazzo A Assago (MI), Italy Tel London 1 Victoria Street Windsor SL4 1YB, UK Tel Baltimore 100 West Road - Suite 300 Towson, MD Tel

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