June 8 2015 We believe in bankable trust and confidence ONLINE® AurumPay® provides superior Online Payment Processing Solutions to meet the needs of your business. About AurumPay® Contact Philippines Corporation ® AurumPay Philippines Corporation is an established and highly Phone: +63 (2) 2342600 reliable Internet Payment Service Provider that enables Internet +63 (2) 9542588 Merchants or Online Businesses to receive payments online from their customers via a variety of payment methods including Credit Card and Email: [email protected] Debit Card, as well as over-the-counter Cash Payment methods. Address: Unit 1002A, 10th Floor, West Tower, Philippine Stock AurumPay® is the first Filipino-owned online payment gateway Exchange Centre, Exchange Road, service provider that services the online payment requirements of the Ortigas Center, Pasig City, Philippine ecommerce market with its very own multiple line-up of Manila, Philippines online payment solutions that are all bundled in its PCI DSS compliant payment gateway system. AurumPay®’s gateway has more than a decade of experience in the Online Payment Processing Industry. Banks and merchants can be assured that their payment processing solutions will be handled with the utmost care, professionalism, and technical competence required to help them achieve their online market goals. Online Credit Card, Debit Card, and Cash Payment Processing for Online Businesses ~Vision~ To grow and develop Online Merchants by most responsible delivery of efficient online payment services for the greater convenience of customers worldwide. ~Mission~ • Align with and grow the E-commerce business of responsive partners • Increase participation of merchants in E- commerce with state-of-the-art technology compliant with card associations and PCI DSS 2 Expertise and Professional Management Experience AurumPay®’s Solid Management Team AurumPay® has experienced professionals at its helm. Its team of local & Technology professionals, complemented and supported by foreign Industry experts, enables AurumPay® to provide competent services at par with other international online payment providers. AurumPay®’s Industry experts have an extensive track record in the international online payment industry. AurumPay® has a clear appreciation of its role as an online payment processor. Beyond simply processing online transaction payments, it is a payment solutions provider. AurumPay® has the experience and knowhow in transaction risk management that is vital to any successful e-commerce ecosystem. PCI DSS Compliant Gateway with Fraud Scrubbing Engine Aside from being fully PCI DSS certified and compliant, AurumPay®’s gateway has a robust fraud detection system that provides real-time, intricate fraud scrubbing on all of the transactions that pass through the payment gateway. Any transaction that passes through AurumPay’s gateway, will automatically undergo a series of validation and live fraud verification checks before being sent over to the acquiring bank for authorization. If the validation and fraud filters identify a particular transaction as being fraudulent, the transaction will automatically and immediately be cancelled, thus preventing fraudulent transactions from being processed. 3 Process Flow Culture AurumPay®’s Solid AurumPay® has a well-organized and documented process flow culture. Each Management Team area of discipline within its workforce is governed by well thought-out processes & Technology that each work team member understands. The workflow processes are products of intensive discussions within the working teams. The working teams therefore have ownership of each of their area of discipline. Service Culture AurumPay® nurtures a service culture within and outside of its organization. Each team member is trained to deliver satisfaction to everyone they come across as they conduct business. The nature of AurumPay®’s business demands care and attention to our client’s e-commerce activities. Each transaction is important. The Summation: Experienced professionals, robust gateway, process culture and service culture: These are the essential elements that make AurumPay® a strong reliable technology partner. 4 Services AurumPay® provides the ideal e-Commerce solution that facilitates acceptance of online payments through Credit Cards, Debit Cards, and other alternative online payment methods such as over-the-counter Cash Payments. 1. Accept Credit Card Payments Online AurumPay® provides the payment platform that allows merchants to accept major credit cards at very competitive rates. 2. Online Debit Card and ATM Card Payments MasterCard and VISA Debit Cards AurumPay® Philippines’ gateway processes online transactions for all MasterCard and Visa debit cards issued by any bank in the world. 5 Bancnet ATM Cards BancNet Cardholders can purchase and make payments online for services or products using their ATM cards, which allow customers to shop online without the need of a credit card. sssss List of BancNet’s Participating Banks: 1. Allied Bank 17. Phil. Veterans Bank 2. Allied Savings 18. Philtrust Bank 3. Asia United Bank 19. Postal Bank 4. Bank of Commerce 20. PS Bank 5. Chinabank 21. QCRB 6. Chinatrust 22. RCBC 7. Citystate 23. RCBC Savings 8. DBP 24. Robinsons Savings 9. Eastwest Bank 25. Security Bank 10. Equicom Savings 26. Standard Chartered 11. Green Bank of Caraga 27. Sterling Bank of Asia 28. Tong Yang Bank 12. Malayan Bank 13. Maybank Philippines 14. Metrobank 15. PBCom 16. Phil. Business Bank 17. Phil. National Bank 6 3. Cash Payment Method Using AurumPay®’s Cash Payment method, customers can make an order online on merchant’s site, then proceed to make the payment over the counter at any of the following: mmmm 7 4. Mobile Solutions AurumPay® Philippines’ payment gateway is directly integrated with the SmartMoney and GCash system. This enables SmartMoney & GCash debit cardholders and cellphone subscribers to make payments online. 8 ® AurumPay SmartMoney & GCash Processing Flow 9 ® How AurumPay ’s System Works Customer makes order on Merchant's Site Merchant sends transaction details to AurumPay AurumPay® processes transaction together with Acquiring Bank AurumPay®relays Processing Result back to the merchant Merchant informs customer of success or failure of order Merchant delivers product/service to customer if order is succesful AurumPay®pays Settlement to Merchant 10 ® AurumPay -BancNet Processing Flow Customer/Dealer accesses Merchant website/portal and selects products to order Customer/Dealer starts checkout process on Merchant website/portal Customer/Dealer chooses BancNet payment method Customer/Dealer selects his Banc Customer/Dealer selects his Account Type, and enters his ATM card number and PIN AurumPay® processes the transaction together with BancNet in Real TIme AurumPay® sends the transaction result back to Merchant website so Customer/Dealer can see status of charge If transaction is Approved, Customer/Dealer's Bank Account is debited of the exact order amount Merchant then delivers products to Customer/Dealer AurumPay® settles the due payout to Merchant 11 July 2013 ® Summary of AurumPay ’s Services and Features Acceptance of major Credit Cards Robust and Flexible Reporting Tools Acceptance of all BancNet supported Advanced Fraud Protection System Debit/ATM Cards Advanced Risk Management Filters Acceptance of Cash Payments over-the-counter Merchant can integrate their website at any M.Lhuillier branch and other OTC directly to AurumPay®’s Payment partners Gateway via API, or Full-featured Merchant Interface where Merchant can use AurumPaySwift® or merchant can view and manage all of their AurumPayPro® payment pages orders Access to a Virtual Terminal where Merchants can submit and process orders themselves AurumPay® Philippines Corporation Phone: +63 (2) 2342600 +63 (2) 9542588 Email: [email protected] Address: Unit 1002A, 10th Floor, West Tower, Philippine Stock Exchange Centre, Exchange Road, Ortigas Center, Pasig City, Manila, Philippines .