TRANSAXpay Online Safer ecommerce & MOTO Payments FIS RETAIL PAYMENTS

TRANSAXpay Online Safer ecommerce & MOTO Payments FIS RETAIL PAYMENTS

TRANSAXpay Online Safer ecommerce & MOTO Payments FIS RETAIL PAYMENTS Card Not Present (CNP) payment transactions have the potential to be higher in risk. There is the ever growing need to process transactions securely and efficiently and to reduce fraud. FIS has many years experience in helping businesses to process CNP transactions in multichannel environments more securely, from online, Mail Order / Telephone Order centres or from branch networks.

TRANSAXpay Online comprises key elements that make ecommerce and MOTO payment acceptance safer by automatically screening every customer order at the time of payment. Orders are approved or rejected according to merchant configurable fraud strategies or offered for manual review. A customisable page is available and card data can be hosted in our PCI DSS certified data centres. Payment fraud is identified Chargebacks are reduced Losses are therefore significantly reduced Reduction in scope of PCI DSS assessment TRANSAXpay Online provides the key elements that make online and MOTO payments safer: FraudShield FraudShield integrates powerful, comprehensive and highly sophisticated detection technologies to protect your business from payment fraud attacks. It will ensure that fraud is detected and prevented as early as possible: Analyses all the payment transaction data in real-time With merchant configurable, hierarchical risk strategies for multichannel / website applications Scoring & Modelling Order centric real-time rules with scoring functionality Pre & post issue response review Matching against Black / White lists Trend rules monitoring against sales patterns An easy to manage user interface Transaction options including: Accept, Reject, Review, Notify, Trace, None Auto Actions, e.g. add the PAN to a temporary black list Email message alerts of specific transaction types RAPIDReviewer RAPIDReviewer is a flexible workflow solution designed to structure and simplify the manual review process. TRANSAXpay Hosted Payment Page A fully customisable payment page that can be branded to complement the look and feel of any ecommerce website. Hosted in our active - active PCI DSS Level 1 certified data centres, the page is designed in a way that allows for seamless integration with the site via secure redirection. Cardholders enter their individual data on this hosted payment page and the responsibility for its storage, processing or transmission remains with FIS. This helps to reduce the scope of merchant PCI DSS assesment. TRANSAXpay Reporting Hierarchical customisable reports Detailed transaction information reports provide open API (Application Programming Interface) that enable you to integrate reports into your other business systems Provides complete and detailed transaction audit trails Bespoke reporting also available

TRANSAXpay Online Safer ecommerce & MOTO Payments FIS RETAIL PAYMENTS Benefit from these advanced features: Tokenisation Removes the requirement to store a customer s actual card data on your payment system. In its place, you can store a substituted unique token which is matched by FIS to the card details. The token can be submitted back to FIS at any time, where it is matched to the card data that we hold on our Level 1 PCI DSS certified payment host. The payment transaction is forwarded for authorisation on your behalf to your acquirer. TRANSAXpay Fraud Management Professional Services FIS currently provide the systems, staff and expertise to mitigate credit and payment fraud risks for thousands of retail, wholesale and Credit / Debit / Prepaid card Issuers. We help them to manage risk, reduce their losses and enhance their profitability in every transaction. With solutions for both Cardholder Present and Card Not Present payments, our specialists can tailor a service that will target generic or specific types of payment fraud. We can offer you solutions that are proven to work, that integrate with your existing systems and policies and which will deliver solid returns.

Payment & Fraud Screening Process Flow ACQUIRER WEBSITE ORDER RAPIDReviewer REJECT REVIEW APPROVE CALL CENTRE/ MAIL ORDER FraudShield CARD ISSUER...... POSITIVE DB NEGATIVE DB... GEOLOCATION... VELOCITIES... RISK SCORING... AUTHORISATION... RISK SERVICES AVS RESULTS CVV/CVM RESULTS Companies worldwide place their trust in FIS, safe in the knowledge that our payment technology is helping to protect them from the evolving threat of payment fraud. Apple BA Merchant Services Barclaycard BestBuy.com Best Western Dell Discovery Channel Honda Johnson & Johnson Staples Sun Toshiba

TRANSAXpay Online Safer ecommerce & MOTO Payments FIS RETAIL PAYMENTS FIS - First in Financial Technology FIS Retail Payment Solutions: Secure, reliable, multi-channel payments. We help businesses to accept and manage payments with a wide range of solutions for any retail environment that focus on security, transaction processing, data hosting, and fraud reduction. With an excellent record of reliability and infrastructure resilience, our experience is the result of many years developing payment solutions that work. We process over 1,000,000 payments every day on behalf of our customers - through the various services we provide - with a combined annual value of over 30 billion. We are independent of the card schemes, acquirers or any equipment manufacturer and part of a worldwide group with operations in 27 countries. This independence, our global reach and economies of scale means we can work with you and your partners to provide a cost effective, robust solution that fits in with your needs. We have strong relationships with 12,500 retailers in Europe who use our services to accept payments online, at their mail order / telephone order centres and over 80,000 branch locations. Clients include some of the largest retailers, from The Body Shop, Halfords, Signet Jewelers, Texaco, Total and Whitbread through to the mid-tier and independents, who all rely on us to accept payments more securely and efficiently. We are part of FIS (NYSE quoted: FIS). A leading provider of financial technology with sales of more than $6.1 billion each year; the group employs 37,000 people. Certified to ISO 27001 (the International Standard for Information Security) for the Industry Hot Card File Certificate No. IS 506192

FIS is a trading name of Certegy Ltd, Registered in England, No.4215488 and Certegy (Ireland) Ltd, Registered in the Republic of Ireland, No.126879. Services provided by the company are covered by the Financial Ombudsman Service (in the UK). Calls to and from the company may be recorded for quality purposes. Part of FIS (Fidelity National Information Services Inc.) Fidelity National Information Services Inc. and its subsidiaries. PO Box 885 Birmingham B16 9DH United Kingdom T 0845 601 4486 E enquiries.uk@fisglobal.com W www.fismerchantpayments.com Carmichael House 60 Lower Baggot Street Dublin 2 Ireland T 01 667 5152