Introduction to Element Payment Services:

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1 Introduction to Element Payment Services: Presented by: Stefan Prue, Relationship Manager Element Payment Services September 2013

2 Element Payment Services Founded in 2003, Headquartered in Chandler, AZ Level 1 PCI DSS Compliant Payment Processor Processed over $10 billion in Annual Transaction Volume, 2012 Top 40 US Acquirer According to 2012 Nilson Report Business Solutions Magazine - Best Channel Product Award 2010 & 2011, 2012 Business Solutions Magazine - Best Channel Vendor Award 2010, 2011, 2012 Inc. Magazine Top 500/5000 Fastest Growing US Company in 2011, 2012 Provide Cost-Effective and Simple & Secure Payment Solutions

3 PCI Overview - Legislature PCI Payment Card Industry (Store, Process or Transmit Cardholder Data) PCI DSS PCI Data Security Standard Digital Dozen

4 PCI Overview - Why is PCI so Important? 33% of Breaches Level 4 Merchants Compromised in 20 months Average Breach Cost $182+/ Record 81% Not PCI compliant 87% Avoidable using compliant solutions 45% Companies Breached Filed Bankruptcy

5 Simplify PCI Compliance with Core Reporting & Virtual Terminal PARTNERSHIP EXCELLENCE INNOVATION TALENT

6 A Fully Integrated Solution What Does Fully Integrated Mean? No third party software or hardware to maintain for payment processing capabilities Choice of removing middlemen handshakes Eliminates significant risk and liability by removing multiple points of failure Higher quality processing services and better support because there s only one player Element in the payment stream Key Benefits Manage your entire business, including payment processing, from a single application (RentWorks) 6

7 Online Reporting & Virtual Terminal Hosted, Web-based Reporting Convenient and Secure Access to Your Payment Transaction Info from Any Web- Enabled PC 24/7/ Months of Historical Data For Year-Over-Year Analysis Monthly statements available 1 st calendar day each month Transaction & batch history information Searchable, Printable & Exportable View chargeback and retrieval requests online Virtual Terminal (provided at no cost to RentWorks users) Redundant back-up from any Web-enabled PC NO Paper Weights!

8 CardSense TM Pre-Authorization Card Identification PARTNERSHIP EXCELLENCE INNOVATION TALENT

9 CardSense Explained Easily and quickly identify your customers debit card. This information will help your business by: Ensuring Cards Are Handled Properly at the Point of Sale Mitigating Risk

10 CardSense Process Flow When a customer swipes or key enters a card, The cardholder information is transmitted to RentWorks and passed along to the Element Express Processing Platform. Express queries the CardSense database and issues a response to the point of sale application indicating the card type. With this information merchants can decide how to proceed with the transaction.

11 Choices With Element PARTNERSHIP EXCELLENCE INNOVATION TALENT

12 Acquired Merchant Acquired merchant a merchant who is using Element as their sole payment processor True Pricing SM Processing Rate for Visa, MasterCard, Discover - MEET OR BEAT! Interchange Pass-through + Dues & Assessments + 0.XX% + $0.XX Element Gateway Fee WAIVED!! ($0.00) Core Reporting (Online Reporting) $5.00/month

13 Gateway Merchant Gateway merchant a merchant who is using Element only as a gateway provider between RentWorks and the merchant s current processor Gateway ONLY Visa, MasterCard, Discover Processing Rate Element Gateway Fee Goes Unchanged (Continue paying charges from current processor) Monthly Fee Core Reporting (Online Reporting) Not Available (Authorization reporting only, Settlement Reports continue to come from current processor)

14 Merchant Processing Flow Merchant 1 Merchant initiates transaction through RentWorks Element passes transaction information back to 7 RentWorks 2 RentWorks sends transaction and information to Element Element passes transaction information to processor 3 6 Processor passes transaction information back to Element Merchant s Acquirer/Processor passes transaction information back to processor 5 4 Processor passes transaction information to merchant s Acquirer/Processor

15 Getting Started with Element Contact Element Today for a Complimentary Statement Analysis! Element Payment Services (866) x 1721

Simple & Secure Integrated Payment Processing from Element and Transformations

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