Clearing and Settlement

OmniPay is First Data’s™ cost effective, industry-leading payment processing platform.

Flexible data capture, batch handling and posting options At-a-Glance

First Data’s goal is to provide the data that you need, when you need The OmniPay platform enables efficient and cost effective it. The OmniPay platform receives, consolidates, formats and posts Clearing and Settlement services transaction data at a designated frequency and according to a client’s and outstanding responsiveness required processing calendar. And because it’s designed for domestic to acquiring customers and their and international schemes, processing can occur in alignment with banks’ customer’s needs. different time zones, different bank holidays, and varying volumes across varying countries, etc. Even sub-groups of activity within an institution can each be processed distinctly. Clearing and Settlement

Extensive business, transaction and Settlement product support Settlement data is instantly visible through First Data’s The OmniPay platform supports acquiring for a broad Remote Access Module (RAM). One click lets you locate range of merchant segments: scheme reports or utilise a suite of production reconciliation reporting tools. • The volume of contract deliverables puts a strain on resources to keep up with timely review and approval The OmniPay platform predicts when settlement will occur—even before the transactions are cleared—by assessing • Retail the characteristics of individual transactions to determine the • eCommerce service under which they will be settled. : • Aggregator merchants Interchange management • Airline acquiring Interchange fees are estimated before settlement occurs, • Car hire ensuring clients can bill at least what they will pay in interchange. The platform currently supports more than • Hotel and lodging 3,500 different interchange rates worldwide. • Cardholder present 4 level currency management • Mail order and telephone order With the OmniPay platform acquirers can: • Cross border acquiring • Select differing transaction, settlement, merchant • Gaming funding and reporting currencies In addition to standard eftPOS processing, the platform • Transact and report as required also supports these transaction types and products: • Margin the conversion from transaction currency to • Secure eCommerce, AVS, CVV/CVC2 merchant funding currency • EMV • Generate a revenue stream from currency hedging • Online PIN where merchants are funded in currencies different from the transaction currency • Dynamic Currency Conversion BIN/ICA configuration • Original Credits/Payment Transactions The platform supports many BIN/ICA configuration options, • Cash Advance and Quasi Cash offering clients whatever transaction currency to settlement • Recurring Transactions currency combination they may require: • Loyalty/Rewards • Single BIN, multiple currencies • On-Us • Multiple BIN, multiple currencies • Purchasing Cards • User Defined BIN setup (enabling different sponsor banks Clearing to exist in one client institution) • Visa • Mastercard • UnionPay • JCB Aggregator model • Maestro • American Express • Diners and Discover The OmniPay platform supports aggregator models with Clients have flexibility for the division of activities. So if clients master merchant entities processing all traffic using address have their own existing clearing mechanisms in place for data details that vary by transaction. Submitted address domestic products, the platform can still load the activity for details are sentout to the scheme, including the acquirer’s inclusion in merchant settlement figures and reporting. own internal merchant number.

For more information please contact First Data™ on +353 (0) 1 219 4200 or visit www.firstdata.com/omnipay

First Data is a trading name of OmniPay Limited, a limited company incorporated in Ireland (company number 323655) with a registered address at 25/28 North Wall Quay, Dublin 1, Ireland. © 2016 OmniPay Limited. All Rights Reserved. All trademarks, service marks, and trade names referenced in this material are the property of their respective owners. 193610 2016-12