Your Gateway to Online Success

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1 The NETBANX gateway is a leading, proprietary online payment processing platform operating on a world class technology infrastructure. Trusted by global brands and companies around the world, the NETBANX gateway is a true end-to-end global payment processing solution. Robust and feature-rich, the gateway delivers processing of all international credit/debit cards, online direct debit, and many global alternative and local payment options. Ecommerce and MOTO merchants rely on the gateway s extensive risk management functionality to minimize fraud exposure and liability, and the NETBANX back office suite delivers real-time data and comprehensive reporting. For large-scale merchants, Optimal Payments offers customized gateway solutions tailored to meet the processing and fraud-prevention needs of specific industries or business models. Whether merchants are planning to expand to global markets, are interested in using tokenization, or face fraud issues specific to their industry, the NETBANX gateway has all the features and functionality to maximize online revenues while minimizing fraud losses. Your Gateway to Online Success Merchant Account and Gateway Solutions Global Payment Processing Multicurrency Processing and Settlement Robust and Feature-rich Functionality Level 1 PCI DSS Compliant Extensive Fraud-management Tools Customized Solutions Comprehensive Integration Tools

2 Secure and Reliable Global Payment Processing Optimal Payments allows merchants to manage multichannel payments through its NETBANX unified payment platform. Expand to new markets with our global and local payment options around the world that deliver increased conversions and lower costs. Protect your business and minimize your PCI DSS compliance requirements with our extensive suite of integrated fraud-management services. Simply choose the fraud features that are right for your business and let us do the rest. Our mobile solutions run seamlessly through our platform, allowing you to maximize all sales channels. Optimal Payments offers private-label stored-valued accounts and prepaid MasterCard solutions that increase revenues and build consumer loyalty all from the NETBANX platform. NETBANX Global Unified Payment Platform Merchant Services Global Merchant Accounts Secure Payment Gateway Risk and Fraud Management Consumer Services ewallet and Consumer Accounts Private Label Prepaid Cards Multi-channel White-label and Scalable

3 Robust and Feature-rich Payment Platform Trusted by thousands of ecommerce and online businesses around the world, Optimal s NETBANX gateway is a robust and secure platform that is fully integrated to the major ecommerce platforms and shopping carts. Merchants choose the NETBANX gateway for its global reach, broad choice of payment options, sophisticated fraud management, recurring billing and tokenization capabilities, and customized reporting options. Through a single platform, online businesses benefit from comprehensive risk-management services. The NETBANX platform uses a sophisticated, real-time proprietary Risk Rules Engine that allows for custom fraud settings that meet a business s unique needs and offers merchants a wide range of global fraud-detection services. Global Payment Platform Certified to major credit card and banking networks Global processing of all major credit/debit cards Multicurrency processing and settlement Online direct debit in major global markets Wide range of alternative and local payment options PCI DSS Compliant Integration Options Easy-to-implement APIs Multiple Hosted Payment Page options Integrated to Major Ecommerce Platforms Secure Batch Uploading Online Developer Centre Real-time Fraud Management Tokenization of Cardholder Data Custom Fraud Parameters Configurable Proprietary Risk Rules Engine Verified by Visa and MasterCard SecureCode Automated Chargeback Disputing Transaction and Consumer Data Management Comprehensive online NETBANX Back Office Consumer profile and billing schedules Process transactions through Virtual terminal transactions Real-time transaction data Customized and scheduled reporting

4 Choose Your Optimal Connection Method With the NETBANX gateway, online businesses can accept payments directly from a website by integrating our easy-to-use APIs, implementing our secure check-out hosted payment pages, or choosing to use our iframe payment pages. If you are accepting payments through a call center or order desk, our virtual terminal allows you to have multiple users enter payments in a secure web-based environment. The NETBANX gateway also allows merchants to send large transaction files using our secure batch upload tool. Hosted Payment Pages Redirected Merchant-branded payment page is hosted in the NETBANX PCI DSS compliant environment. iframe iframe to capture cardholder data is embedded in merchant s payment page. You are about to make a payment of $66.50 to Sona Camera Reference: MB013 Date: Qty Description 2 Film 1 Light Stand Merchant Sona Camera 12 Heston Walk Milton Keyes standardfilm.com Price $30.00 $30.00 Tax $0.50 Shipping $6.00 Total $66.50 Delivery Address Jill Doe 123 Street Liberty City State Pay using credit or debit card *First Name Jill *Last Name Doe Address Country Select One *Address 123 street Address (line 2) *City *State / Province Select One *ZIP / Postal Code Card Number Security Number Expiry Date MM YY I accept the terms and conditions. CANCEL PAY NOW Direct Post Merchant maintains complete control of payment page design and data fields on their website. All options reduce PCI DSS compliance and allow for tokenization. APIs Process credit cards and direct debit payments using secure APIs. Available for both real-time and recurring transactions. Virtual Terminal Obtain authorizations, enter payments, and process refunds manually through a secure web-based virtual terminal. Batch Upload Our batch upload tool allows you to process multiple transactions at one time, by creating and uploading a file through a secure connection.

5 Reduce Fraud and Chargeback Exposure Minimize online payment fraud liability and chargeback losses with NETBANX s real-time fraud detection and prevention. Every transaction is scrubbed using multiple fraud screening tools and is subjected to the NETBANX proprietary Risk Rules Engine. Gateway fraud parameters can also be configured to meet industry-specific needs. Our experienced and knowledgeable risk team is always there to provide industry-specific best practice advice. Real-time Fraud-Detection and Prevention Tools NETBANX Risk Rules Engine (RRE) Address (AVS) Verification Custom rule settings based on business model, industry, or location Verification of cardholder billing address with Issuing bank CVV Validation Validation of security codes located on back and front of credit cards Negative Database Verification IP/Geo-location Matching of payment data to previously tracked fraudulent transactions Flags transactions originating from suspicious devices Order Velocity Monitoring Screens for multiple payments that originate from the same IP address ThreatMetrix TM Device Intelligence Chargeback Mitigation Flags questionable transactions for review prior to shipping Sends automatic alerts that reduce the occurrence of chargebacks BIN Verification Validates card issuing bank using BIN number 3D Secure Specialized Services Validates cardholder through Verified by Visa and MasterCard SecureCode Fully integrated, specialized third-party fraud services

6 Maintain Detailed Customer Profiles The NETBANX gateway allows online merchants to effectively manage customers payment profiles, including storing multiple payment methods and shipping information, modifying a payment status of a customer, setting recurring billing schedules and generating tokens for future processing. Transaction history can be viewed, and receipts can be generated for completed transactions. Modify customer status (e.g., active, inactive, or suspended). Set multiple payment methods per customer. Store complete shipping information. Set recurring billing schedules for credit or direct debit cards. Generate tokens for future processing. Cardholder Account Updater for Recurring Billing Maintain accurate cardholder information such as expiration dates, account numbers, and account closures to minimize declined transactions during payment processing. Available for both the Visa Account Updater (VAU) and/or MasterCard Automatic Billing Updater (ABU) programs, our Account Updater service prevents disruptions for customers and maintains an uninterrupted revenue stream. Reduces transaction declines and increases sales. Prevents costly exception processing. Reduces operating costs and customer service involvement. Increases customer retention and satisfaction. Remains transparent to the customer. Request file Response file Merchant

7 Manage Payment Data with the NETBANX Back Office The NETBANX back office suite simplifies the management of transaction data. Real-time data can be accessed in a multitude of reports that include activity data, authorizations, settlements and chargeback data by card type. Reports can also be automated to run on preset schedules. The easy to use interface makes data look-up fast and easy. Comprehensive Data Management and Reporting Single Point of Access Real-time Transaction Data View and manage transaction data and reports in the NETBANX back office. Transaction details can be accessed and queried. Account Statement Activity Report Transaction Report Batch Report Chargeback History Scheduled Reports Take advantage of online access to your NETBANX statement, including all transaction and processing-fee details. Generate real-time reports that provide detailed information on transactions that have been processed through the merchant account. You can select a variety of search criteria to narrow or broaden the report as required, and you can drill down to view details on individual transactions. You can either view a summary of transactions over a date range you specify or quickly locate a specific transaction. This provides real-time detailed status information on batches previously uploaded. Generate a summary of disputed transactions over a date range selected for the merchant account you choose. Preset reporting provides detailed information on a variety of transactions that have been processed through your merchant account.

8 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-notpresent needs of any businesses, from local ecommerce websites to large-scale international online businesses. North America optimalpayments.com United Kingdom +44 (0)

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