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1 Optimal Payments offers a NETBANX Hosted Payment solution with three flexible integration options that allow ecommerce businesses to securely accept and process online payments, while providing an enhanced customer checkout experience. Choose the integration option that best suits your business needs Payment Page Redirect, Direct Post, or iframe all of which are easy to implement and connect directly to the NETBANX payment gateway. Secure and reliable, NETBANX is the PCI DSS Level 1 compliant gateway of choice for merchants worldwide providing the ultimate in payment processing capabilities, fraud management, and reporting. Each NETBANX Hosted Payment integration option has unique features and allows ecommerce businesses to significantly reduce their own PCI DSS compliance requirements. PCI Compliant Payment Processing Platform Payment Page Redirect Direct Post iframe Simple Integration Mobile Ready Cutting-edge Innovation Hosted RESTful API integration options to suit your business, including Payment Page Redirect, Direct Post and iframe. Based on a Responsive Web Design, our payment pages dynamically support a wide range of smartphones and tablets. Optimal Payments NETBANX gateway keeps pace with the latest in payment technology and security.

2 Consumer Seamlessly Redirected to a NETBANX Hosted Payment Page Payment Page Redirect Integration The Payment Page Redirect integration option allows merchants who prefer not to build and maintain their own payment page, a complete solution for accepting and processing payments. Customers are redirected to a merchant branded and NETBANX hosted payment page to enter their payment information, and are then returned to the merchant s website once the transaction is complete. A wide range of customization levels is available from standard logo and color changes, to a unique URL, through to full customization based on your website design. Custom fields can also be developed to capture additional client information. The fully internationalized user-interface is capable of displaying multiple languages, currencies, and date formats. NETBANX can display a printable receipt page or redirect to a merchant s website. A confirmation can also be sent to the customer upon successful completion of payment.

3 Secure Transmission of Payment Data from a Merchant Hosted Payment Page Direct Post Integration The Direct Post integration is a Hosted Payment option for merchants who want to build and host their own payment page and maintain full control of customer and order data. During checkout, payment information is entered in the client s browser and then transmitted securely using Direct Post technology for processing through the NETBANX payment gateway. The payment page is hosted on your website allowing for complete control of payment/ confirmation pages and data flow. The customer remains on your site at all times allowing you to manage the customer experience. When the customer clicks on the Pay button, payment data is transmitted from the client s browser directly to NETBANX, using a PCI DSS compliant process without transmitting any sensitive data through the merchant s server. All other non-payment data related to the order can be captured, stored, or shared as required.

4 Secure Capture of Payment Data in the NETBANX PCI DSS Compliant Environment iframe Integration The iframe integration allows merchants to build and maintain their payment page with the exception of the fields that capture payment information. When customers enter their payment details they are actually entering data into fields that are part of an iframe which is embedded in the merchant website, but hosted in the NETBANX PCI DSS compliant environment. This ensures that the data is captured in a secure fashion before being submitted for processing. An iframe, hosted on the NETBANX platform, is provided within your payment page, to capture the highly sensitive payment data required for processing. You retain control of your payment and confirmation pages. Your business is never exposed to payment data, significantly reducing PCI DSS compliance requirements. Simplified integration process allows for fast and easy set-up.

5 Feature-Rich Solution to Grow Your Online Business Transaction processing, for all of the Hosted Payment integration options, occurs through the NETBANX payment gateway a reliable and robust platform. Merchants around the world trust its processing capabilities to increase online revenues while minimizing payment costs. The NETBANX gateway has the features and functionalities that businesses require to manage online payments. This includes extensive fraud detection and prevention functionalities, a Web-based virtual terminal, customer profile management, and comprehensive real-time and customizable reporting. NETBANX Your Gateway to Ecommerce Success Fraud-management Tools Benefit from the extensive fraud detection and prevention tools of the NETBANX gateway, including our proprietary Risk Rules Engine for custom settings. Tokenization Use tokens as a representation of payment details, which can be used to perform post-authorization activities and initiate new transactions. Profile Management and Scheduled Payments Store customer details for quick and easy repeat payments, or pass a schedule of payments and be informed of the outcome. Data Management and Reporting Obtain real-time transaction data and reports through the secure Webbased NETBANX Back Office. Reliable Support A dedicated merchant support team is available to assist you at every step. Integration and user guides are available for web developers. For more information contact us today North America United Kingdom +44 (0)

6 Additional NETBANX Payment Gateway Integration Options API Direct API Integration If your business has more extensive ecommerce requirements, our direct SOAP, XML and RESTful API integrations may be the solution for you to connect your shopping cart, payment pages, or back-end systems to the NETBANX payment platform. Virtual Terminal Our secure web-based virtual terminal allows merchants to accept mail and telephone order payments, process refunds and voids, and obtain pre-authorizations manually through the NETBANX Back Office. Optimal Payments is a global provider of online payment solutions, trusted by businesses and consumers in over 200 countries and territories to move and manage billions of dollars each year. Merchants use the NETBANX platform and services to simplify how they accept credit and debit card, direct-from-bank, and alternative and local payments; and the NETELLER service to increase revenues and capture new customers. Consumers use the multilingual and multicurrency NETELLER and Net+ Card stored-value offering to make secure and convenient payments. Optimal Payments Plc is quoted on the London Stock Exchange s AIM, with a ticker symbol of OPAY. Subsidiary company Optimal Payments Ltd is authorised and regulated as an e-money issuer by the UK s Financial Conduct Authority (FRN: ). The NETBANX services include a proprietary secure online payment gateway. Thousands of ecommerce, MOTO, and multi-channel businesses around the world rely on the NETBANX gateway and services for the payment processing of credit/debit cards, online direct debit, and alternative payments as well as the management of online payment fraud. The NETBANX gateway is state-of-the art, geo-redundant, and PCI DSS Level 1 compliant. A robust and flexible platform, it can be configured or customized to meet the card-not-present needs of any businesses from local ecommerce websites to large-scale international online businesses

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