Rapid Connect® Portal Definitions Document Version 1.0 Document Date: August 31, 2018 Rapid Connect Portal Definitions Confidential and Proprietary to First Data 1 INTRODUCTION This document lists the definitions that are used in the Rapid Connect Portal. REVISIONS REVISION DESCRIPTION OF CHANGE AUTHOR EFFECTIVE DATE v1.0 Initial document upload to Rapid Connect Rapid Connect 08/31/2018 Portal Product Team APPLICATION INFORMATION APPLICATION TYPE Virtual Terminal The web version of a physical credit card terminal or Point-of-Sale (POS) device. Gateway A gateway is implemented at the boundary of a network to manage all the data communication that is routed internally or externally from the network. Shopping Cart A piece of e-commerce software on a web server that allows visitors to an Internet site to select items for purchase. Terminal A device that is used for entering data into, and displaying or printing data from. Mobile Instead of using your physical plastic card to make purchases, you can pay with your smartphone, tablet, or smartwatch. Integrated POS An electronic device used to process card payments. PROTOCOL XML over HTTPS Extensible Markup Language, Secure Hypertext Transfer Protocol. TCP/IP Transmission Control Protocol/Internet Protocol. Rapid Connect Portal Definitions Confidential and Proprietary to First Data 2 SOAP A messaging protocol specification for exchanging structured information in the implementation of web services in computer networks. COMMUNICATION TYPE Datawire Secure Transport for XML & SOAP Interfaces for Rapid Connect VPN Acronym for Virtual Private Network MPLS Acronym for Multiprotocol Label Switching Rapid Connect Portal Definitions Confidential and Proprietary to First Data 3 SETTLEMENT METHODOLOGY Advanced ecommerce Compass platform only (see functionality grid for supported payment types) Host Capture Automated Settlement Direct Send PTS Settlement PAYMENT FACILITATOR First Data’s Global Payment Facilitator Solution is an Aggregator model that allows the Payment Facilitator to offer a suite of services to their sub merchants. The program supports the Card Brand rules and guidelines which enables payment facilitators to facilitate payments seamlessly on behalf of multiple sub merchants. Global Multi MID Global Payment Facilitator (PFAC) Solution Model in which the Payment Facilitator and its Sub merchants are boarded to First Data and the transactions for the Sub merchants are aggregated on behalf of the sub merchants using their own merchant IDs (MIDs). Global Single MID Global Payment Facilitator (PFAC) Solution Model in which the Payment Facilitator and its Sub merchants are boarded to First Data and the transactions for the Sub merchants are aggregated under one merchant ID (MID). MONEY TRANSFER Funding The merchant will support an individual who will receive funds in a Money Transfer transaction. Payment The merchant will support an individual who will pay funds in a Money Transfer transaction. Person to Person An individual uses an app to move money of their debit card onto another person's debit card. Person to Person Bank Initiated An individual uses an online banking tool to move money from their account to someone else's debit card. Rapid Connect Portal Definitions Confidential and Proprietary to First Data 4 Merchant Disbursement An individual has their debit card on file at a company who uses it to pay any debts the individual may owe. Gambling Payout A merchant is paying another business for their services. Government Disbursement Tax refunds are placed onto an individual's debit card. Funds Disbursement An individual has their debit card on file at a company who uses it to pay any debts the individual may owe. Online Gambling Winnings from an online gambling are placed onto an individual's debit card. Payroll/Pension Disbursements Transaction initiated from an employer to an employee's debit card. Loyalty and Offers Rebates are sent to an individual's debit card for recent purchases. Business to Business A merchant is paying another business for their services. Money Transfer - Merch Initiated An individual uses an online social media tool to pay someone using their debit card. Wallet Transfer An individual uses a non-banking tool to pay someone using their debit card. Rapid Connect Portal Definitions Confidential and Proprietary to First Data 5 PAYMENT TYPE OPTIONS CREDIT MasterCard A bank card association that licenses bank credit card programs Visa A bank card association that licenses bank credit card programs American Express A bank card association that licenses bank credit card programs International Maestro A bank card association that licenses bank credit card programs Discover A bank card association that licenses bank credit card programs Diners Club A bank card association that licenses bank credit card programs JCB A bank card association that licenses bank credit card programs DEBIT PIN Debit Sometimes referred to as Online Debit, online debit is processed on the ATM network of the cardholder's bank. The card is swiped or inserted at the point of sale and the consumer is asked to enter their Personal Identification Number (PIN). Money comes directly out of the user's bank account. Also could be EFT Network (Star, Pulse, NYCE, etc.) PINless Bill Pay Debit PINless Debit payments refer to debit card purchases made over an EFT Network (Star, Pulse, NYCE, etc.) without a customer entering their PIN. PINless POS Debit under $50 Rapid Connect Portal Definitions Confidential and Proprietary to First Data 6 Functionality designed to support swipe-and-go convenience for debit purchases under $50 at the POS. Cardholders are not required to enter a PIN. Signature Debit Sometimes referred to as Offline Debit, is processed in a manner similar to a credit card transaction. If the debit card carries a card brand, such as Visa or MasterCard, the card may be processed by simply swiping it through a credit card terminal that supports that card's brand. The transaction is processed over the merchant's credit or debit card network and the customer provides their signature as approval of the transaction. Interac The Interac Association (branded as simply Interac) is a Canadian nonprofit interbank network that links financial institutions and other enterprises for the purpose of exchanging electronic financial transactions. Can also be processed in the US via the Nyce network. I.e. Debit transactions. https://interac.ca/en/. Interac Flash Secure contactless enhancement of Interac Debit. https://interac.ca/en/interac-flash-consumer.html. EBT Electronic Benefits Transfer – A payment card used at the point of sale to access a government account for Cash Benefits or Food Benefit (future release). EBT Cash Benefits Electronic Benefits Transfer – A payment card used at the point of sale to access a government account for Cash. EBT Food Benefits/SNAP Electronic Benefits Transfer – A payment card used at the point of sale to access a government account for Food. SNAP: Supplemental Nutrition Assistance Program formerly known as EBT Food Benefit. eWIC WIC is the special supplemental nutrition program for Women Infants Children. E-WIC is the administration of WIC benefits using an electronic payment card. Fleet Rapid Connect Portal Definitions Confidential and Proprietary to First Data 7 A fuel card or fleet card is used as a payment card most commonly for gasoline, diesel, and other fuels at gas stations. Fleet cards can also be used to pay for vehicle maintenance and expenses at the discretion of the fleet owner or manager. Fleet cards are unique due to the convenient and comprehensive reporting that accompanies their use. Fleet cards enable fleet owners/ managers to receive real time reports and set purchase controls with their cards helping them to stay informed of all business related expenses. MasterCard Fleet Master Card branded fuel card. Visa Fleet Visa branded fuel card. Wright Express (WEX) A brand of fuel card Voyager A brand of fuel card from CSI voyager Fleet One A brand of fuel card Fleet Cor A brand of fuel card from FleetCor Technologies, Inc. (NYSE:FLT) CHECK TeleCheck Paper TeleCheck’s Paper Check Service offers both a warranty and verification service performed as a Face to Face transaction at a Brick & Mortar location to merchants nationwide. All approved checks must be deposited in the Merchant’s bank. Processing can require Dual ID processing (Dual ID Processing requires MICR Data, Driver’s License, State Code,) or MICR only. Certegy Certegy is a Check Service Provider that provides check authorization and guarantee services to merchants and businesses nationwide. Certegy requires Dual ID processing. Dual ID Processing requires MICR Data, Driver’s License, State Code and Driver’s License Date of Birth to be entered in the transaction. The two entry methods of processing Certegy checks are: Rapid Connect Portal Definitions Confidential and Proprietary to First Data 8 • MICR information read from the check, Driver’s License, State Code and Driver’s License Date of Birth. • Hand-keyed MICR information from the check, Driver’s License, State Code and Driver’s License Date of Birth. TeleCheck ECA - Full MICR and ID Electronic Check Acceptance offers both a warranty and verification service performed as a Face to Face transaction at a Brick & Mortar location: Dual ID check processing consists of two forms of check writer IDs: Full MICR information (ABA number, checking account number, and check sequence number) scanned from the check through a check reader, and check writer identification data such as Driver’s License and State Code. Approved transactions will be funded in two banking days to the merchant’s bank. If the MICR information is keyed (not scanned) the transaction is processed as a Paper Check transaction. TeleCheck ECA - Full MICR Only Electronic Check Acceptance offers both a warranty and verification service performed as a Face to Face transaction at a Brick & Mortar location where the full MICR information (ABA number, checking account number, and check sequence number) is scanned through a check reader.