The Compass Platform

High performance payment processing solution designed specifically to meet the requirements of global Card-Not-Present merchants.

Go Beyond: High Performance Payment Processing

In today’s global economy, leading retailers are looking for new and better ways to leverage their eCommerce and Mail Order/Telephone Order (MO/TO) channels to find new customers, build consumer loyalty and drive repeat business. Achieving these goals while maintaining Methods of Payment a low-cost structure requires an innovative global payment processing partner with proven Comprehensive Credit & expertise in card-not-present (CNP) markets. Debit Processing First Data’s Compass platform is designed to meet the requirements of innovative, high -- Visa® growth CNP merchants through one of the broadest sets of capabilities with leading -- MasterCard® reliability, performance, security and support. -- American Express® -- Discover® Merchant Challenges Addressed through the Compass Platform -- Diner’s Club® Always open for business -- JCB -- China Union Pay JJeCommerce is a 24 x 7 business. Merchants need the most reliable, highly redundant -- UK Domestic Maestro (UKDM) payment processing partner in order to ensure that no order is ever lost due to system -- Pinless Debit Processing outage or error -- STAR ® Broader range of payment types online vs. POS -- NYCE -- PULSE JJTo maximize their market, merchants are expanding the payment mix to Prepaid/Gift Card Processing alternative payments including eCheck, PayPal™ and Google Wallet -- First Data (ValueLink) closed-loop gift cards Expansion to International markets Alternative Payments -- PayPalTM JJMerchants are expanding into European, Asian and Latin American markets and -- Bill Me Later® need support for various currencies and various alternative payments while minimizing processing relationships -- Google Wallet -- Acculynk PaySecure Merchants own the fraud liability (online PIN debit) -- European Direct Debit JJeCommerce merchants assume 100% of the liability for fraudulent transactions eCheck/ACH Processing JJDelivering fraud management tools including Card Verification Service (CVV/CID), -- eCheck payments Address Verification Service (AVS) and 3D Secure Services enables merchants to -- Check verification manage interchange rates and liability associated with chargebacks -- Check warranty Flexibility to process in online or batch environment

JJDepending on the merchant’s business model, batch or online authorization may offer the best solution at the lowest cost

firstdata.com The Compass Platform

Additional Capabilities

The Compass platform delivers advanced capabilities designed to expand your business globally, protect against fraud, lower cost, and simplify management and reporting.

JJLevel III Processing -- Visa & MasterCard Level II & Level III -- American Express Level II -- Support for 99 line items per transaction

JJGlobal Payment Processing -- 140+ currencies supported Flexibility and -- Authorize/settle in local currency; fund in USD Performance -- Authorize/settle/fund in multiple currencies First Data provides best-in-class JJFraud Management Services availability and support for all of -- Fraud FlexDetect® - Integrated fraud detection, transaction scoring its products. and order review solution -- Soft descriptors JJScalability to help meet -- Address Verification Service growth requirements -- Cardholder verification service (CVV2, CVC2, CID) JJHighly reliable and redundant -- 3D Secure services infrastructure

® -- Verified by Visa JJExtensive platform connectivity -- MasterCard SecureCodeSM and integration options -- American Express Safekey® JJ24/7/365 Customer Support JJAdvanced Services ensures rapid resolution to any -- Hosted Recurring Payments Service merchant question or issue

-- Retail/POS Card Present Processing JJDedicated Account Manager -- Private Label Processing -- Card Tokenization Service (TransArmor®) Payment Solutions for -- Dynamic Currency Conversion Service Maximum Performance JJPowerful Online Reporting Around the world every day, First Data -- First Data’s ClientLine® online reporting tracks daily transaction and reconciliation activity makes payment transactions secure, fast and easy for merchants, financial -- Near-time Authorization Reporting institutions and their customers. We -- Drill-down to transaction detail leverage our unparalleled product -- Ad hoc queries; date range queries portfolio and expertise to deliver -- Download query data directly into Microsoft Excel processing solutions that drive -- Extensive menu of scheduled reports; delivered securely in Microsoft Excel, CSV, PDF customer revenue and profitability. Whether the payment is by debit or JJOnline Chargeback Management credit, gift card, check or mobile phone, -- Manage chargeback and retrievals online using First Data’s Integrated Dispute System (eIDS) online or at the point of sale, First Data helps you maximize value for your business. -- Receive and pass images to First Data -- Search for and review the status of transactions in queue For more information, contact JJComprehensive Chargeback and Retrieval Support your Sales Representative or -- First Data team tracks, analyzes and resolves incoming chargebacks and/or visit firstdata.com. retrievals based on reason code, documentation and transaction history -- Auto re-presentment of Visa and MasterCard chargebacks/retrievals firstdata.com