What Do Merchants Need To Be Successful Online? Understanding All of The Working Parts Involved In Successfully Accepting Payments Online

Domain Registrar Web/App Developer Web Hosng Shopping Cart Accepng Payments The Common Merchant Struggle: Piecing Together All of The Working Parts To Get Their Ecommerce Store Up and Running

To do this, he knows he will need to:

This is Joe the Merchant Register a Domain for He wants to sell blue widgets online his ecommerce website and even aer all of that, there is

sll one missing piece Joe needs….

Find a good Web Developer Accepng Payments

Decide on a Hosng Company

Select a Shopping Cart provider Great Queson Joe. What Do Merchants Need to Accept Payments?

Merchant Account Payment Gateway Account • A , also known as a MID • If a merchant wants to get paid, they need a (short for Merchant ID), is a type of bank A merchant account and payment payment gateway account. gateway account both connect to account that enables merchants to accept and • A payment gateway account connects to the the processor & both accounts are process payments through debit & processor & securely transfers informaon transacons and connects the merchant with essenal in order for merchants to accept payments. between the merchant’s website and their the processor. merchant account.

• Merchants can obtain a merchant account • A payment gateway is what authorizes credit

through a Merchant Service Provider. card payments and is the equivalent of a • Merchant accounts are a necessity for many physical point-of-sale terminal located in most businesses, and are essenal for merchants retail outlets. with ecommerce businesses.

Let’s Walk Through the Steps with Joe Now that Joe knows what he needs, he is only a few steps away from accepng payments on his ecommerce store

Now Accepng Payments!

Joe’s Merchant Account Joe’s Payment Gateway Account

• Joe applies for a merchant account through one + • Joe needs a payment gateway account so he = of the many Merchant Service Providers. can connect his MID to his website. • The Merchant Service Provider has a list of • Joe opens a gateway account with NoblePay requirements given to them by its (see slide 5 for definion). • Joe’s applicaon sasfies all the requirements and he is granted a MID!

How Does Credit Card Processing Work? Understanding All of The Working Parts Involved In Processing A Credit Card Transacon

Cardholder Merchant Payment Gateway Payment Processor Issuing Bank Credit Card Network Acquiring Bank

Key Players in Processing a Credit Card Transacon

Cardholder Merchant Issuing Bank Credit Card A cardholder is someone A merchant is someone who (Cardholder Bank) Network who has obtained a credit wants to accept credit and debit or debit card from a card card payments from their The issuing bank issues credit The credit card network issuing bank. They are the customers (cardholders) for the cards to consumers. They are helps to connect the one who begins the credit goods or services they sell. They responsible for paying the issuing and acquiring or debit card transacon by must obtain a merchant acquiring bank for the banks by roung the using their card to make a account and set up a payment Suzi’s Bank purchases their cardholders appropriate transacon payment to a merchant for gateway account before they make. informaon between the their goods or services. can start accepng payments two banks. and get paid. This is Suzi Look it’s Joe!

Payment Gateway Payment Processor Acquiring Bank The payment processor works to actually process the A payment gateway authorizes (Merchant Bank) credit card payments and is what credit card transacon from start to finish. It does The acquiring bank is also referred to as securely transfers payment this by connecng the merchant account with the NoblePay Gateway so it can receive the transacon the merchant bank because they create informaon between the details and it also connects the NoblePay Gateway to and maintain merchant accounts that merchant’s website and their Joe’s Payment Joe’s Processor the Credit Card Network for authorizaon from the allow a merchant’s business to accept Gateway Account merchant account. issuing bank. Joe’s Bank credit and debit cards.

Credit Card Transacon Flow

2. Suzi’s Transacon Details are Sent to NoblePay The NoblePay Payment Gateway references Joe’s MID and using a secure connecon to the paym ent processor, routes the transacon details on to th em. 1. Suzi the Cardholder Purchases a Blue Widget Joe’s Payment Processor Suzi has been searching for the perfect blue widget and aer finding Joe’s Blue Widget’s ecommerce site she decides to buy one. So she enters in her payment info and submits the transacon.

Joe’s Payment Gateway Account Joe’s Merchant Account w

3. Joe’s Payment Processor Receives the Transacon Details Aer Joe’s payment processor receives them, they send the request on to the Credit Card Network who idenfies the issuing bank for the payment card and sends the request on to them.

Step 3 Step 3

Step 4 Step 4 Joe’s Payment Processor Issuing Bank (Suzi’s Bank)

Credit Card Network

4. Suzi’s Issuing Bank Approves or Declines Transacon Aer the issuing bank checks Suzi’s account, they either approve or decline the transacon and then the results back to the Credit Card Network who sends it back to Joe’s payment processor.

5. Joe’s Payment Processor Relays the Results back to NoblePay Aer Joe’s Payment Processor receives the results, they relay them back to the NoblePay Gateway where NoblePay stores the results and then sends them back to the website where Suzi & Joe see the approval or decline.

Joe’s Payment Processor Joe’s Payment Gateway Account

7. Joe Gets Paid The issuing bank (Suzi’s bank) releases the funds to the acquiring bank (Joe’s bank). 6. Suzi’s Transacon was Approved! Aer the selement period Joe’s bank Now that Suzi’s transacon has been approved, releases to funds to his account where he Joe can now send out the blue widget to Suzi. can access the money.

Suzi’s Bank Joe’s Bank

What Does The NoblePay Plaorm Offer? Understanding The Payment Gateway Capabilies and How They Can Benefit Your Business

Processing Environments Core Features Security & Fraud Detecon Back Office Tools Third-Party Integraons

Merchant Payment Processing Environments Our Omni-Channel Plaorm Supports All Types of Merchant Payment Processing Environments Such As Retail, Ecommerce, Mobile, MOTO, Restaurant & Apple Pay

Virtual Terminal SwIPe iProcess™ Mobile API Gateway APIs Batch Processing

Enables merchants to Enables merchants using Enables merchants to Provides developers with a Take advantage of our Facilitates processing large process transacons by card readers to accept accept mobile payments toolkit that makes adding flexible Integraon Library quanes of payments subming Credit Card card-present transacons through a secure card readers to a payment that enables you to support efficiently by mul- and Electronic Check by installing a lightweight applicaon for Apple & applicaon seamless and eCommerce, Mobile and threading simultaneous payments online. Windows based point-of- Android devices. straighorward. Retail payment processing transacon requests. sale soware applicaon. environments for your customers. Payment Gateway Core Features

Mul-Tiered Hierarchy Customer Support Opons Virtual Terminal Structure Choose to Either Use Our In-House Swipe Credit & Key-In Cards, Support Team or Support Your Own and Checks From Your Browser Organize Your Customers, Partners and Sub-Affiliates Customers

Currencies Accepted Reporng Capabilies Manage Mul-MIDs USD, CAD, Many Internaonal Search Transacons & Track Board Mulple MIDs to a Single Gateway Currencies Based Upon Processor Commissions Account to Consolidate Reporng, Manage Integraon Branches, Organize Products, Etc.

Advanced Transacon Roung Card Types Accepted Recurring Billing Interface (ATRI) Visa, MasterCard, Discover, Setup Payment Plans & Subscripons , Diners Club, JCB without Having to Collect Payment Allows a Merchant with Mulple MIDs on a Single Gateway Account to Automacally Informaon again Determine Which MIDs to Route Transacons to Based on Advanced Load Balancing Direcves Security and Fraud Detecon

Detect Transacon Fraud Reduces Your Burden to be PCI Encrypt and Protect Sensive Cardholder

Compliant Data and Informaon iSpy Fraud™ Detects fraud by using a rule-set based CerfyPCI™ Customer Vault management interface that screens suspicious Helps merchant maintain PCI Compliance through Protects sensive customer informaon by exchanging it with a transacons. a do-it-yourself web-based assessment tool. payment token and storing the encrypted data in a secure environment.

Payer Authencaon Protects merchants and consumers from Payer Authencaon unauthorized transacons by validang cardholder Protects merchants and consumers from unauthorized transacons by validang cardholder identy. identy.

Three-Step Redirect API™ Reduces a merchant’s PCI footprint by eliminang transmission of sensive payment informaon.

Merchant Defender™ Eliminates clear text payment informaon from a merchant’s environment by ulizing a suite of tools including encrypted devices. Back Office Tools

Enhanced Billing Capabilies Streamline Account Integraon Business Management Tools for Your and Transacon Process Flow Complex Business Needs Electronic Invoicing

Allows merchants to send invoices via email by SyncPay (QuickBooks® SyncPay) Mul MIDs dynamically creang a PDF with line by line detail. Allows a merchant to process transacons and Manage Mulple MIDs under a single gateway reconcile payments by installing a plug-in that account and enable your merchants to run real-me Recurring Billing communicates with QuickBooks. consolidated reporng. Allows merchants to charge customers regularly by establishing custom billing schedules. ATRI (Advanced Transacon Roung Interface)™ Mul-Tiered Hierarchies Routes transacons to mulple merchant accounts Setup, organize and mange an infinite number of “p by configuring advanced load-balancing direcves. arent-child” relaonships using NoblePay’s scalable and flexible mul-ered hierarchical plaorm. Sign up and manage sub-affiliates to resell your gateway

and organize and structure sales teams, departments, stores and even products.

Back Office Tools

Stay on Top of Your Inventory B2B, B2G and Extended Transacon Data Merchant Migraon Tools and Interchange Management Product Manager Gateway Emulator

Product Manager provides an easy to use Product Level III Processing Enable merchants to migrate from other industry Management soluon to help you manage Provides merchants with opmal interchange rates gateways to your own branded gateway. product SKUs and quickly recall products when by passing enhanced data to sasfy certain industry creang new Virtual Terminal transacons. classificaons. Shopping Carts

Allows a merchant to ulize third party shopping carts without addional programming.

QuickClick Allows merchants to quickly and easily link a website to the payment gateway by ulizing a nave payment gateway shopping cart soluon.

Third-Party Integraons

NoblePay Has a Broad Set of Relaonships With Third-Party Shopping Carts and Payment Processing Networks

Third-Party Shopping Cart Integraons Processor & Payment Network Integraons

§ Enables consumers to make purchases online via an interface § More than 125 types of processors and payment networks include: between the merchant and back-end processing systems – Credit Card Processors (i.e., First Data, TSYS, Global § NoblePay ffers a proprietary shopping cart as well as integraons Payments) with over 150 various shopping cart providers – Electronic Check Processors (i.e., GETI, Checkgateway) § NoblePay integrates a number of shopping carts internally, – Secure Authencaon Providers (i.e. Cardinal though any shopping cart provider can externally integrate itself Commerce, FAC) § NoblePay's end merchants can process transacons via mulple processors via a single gateway account

NoblePay Behind The Scenes A Look Into The NoblePay Payment Gateway Tech Specs and The Guys Who Make It Happen

Technology Overview Data Centers & Security

Technology Overview

NoblePay is powered by the NMI Plaorm Which Has Over 12 Years In The Payments Industry

Modular Build Designed for Flexibility Strict Security Standards

• Modular architecture allows Partners to preferenally choose any • All data centers are SAS_70 / SSAE 16 Compliant desired combinaon of products and services with ease • All processing environments are Level 1 PCI Compliant • Scalability of plaorm enables NMI to add on any number of services, • Corporate offices and data centers ulize user access controls to restrict Partners, merchants and transacons with lile incremental expense facility access • Third party audits regularly conducted to supplement proprietary security management controls

Long Track Record of Stability Well Posioned for Future Growth • Soware and network architecture designed with scalability in mind to • Plaorm designed to allow for addional servers to be simply “plugged accommodate growing volume in” for more processing power or increased data storage • Primary and secondary datacenters on independent networks and • Infrastructure currently able to handle much more processing and data power grids storage than it does at this me • Processing Upme (November 2009 – October 2014) of 99.997% • Technology plaorm is key enabler of NMI’s future development and • Average Transacons per Second (“TPS”) between 10mm and 11mm growth • Peak producon processing has exceeded 225mm TPS and gateway has been stress tested above • 300mm TPS Data Centers and Security

NMI’s Technology Infrastructure Is Scalable and They Maintain The Necessary Redundancies

Data Center Geo-Redundancy Network and Data Security Security Monitoring

Geo-redundant Primary and secondary Payment Gateway recently upgraded to External 3rd party security network and fully support the latest PCI security security monitoring Standard - PCI DSS 3.0