Payment Processing for Today

Payment Processing for Today

Payment Processing for Today!

Best-in-Class Products and Pricing

V 2.0


Who We Are: Merchant e-Solutions / Cielo

Merchant e-Solutions (MeS) - Full service merchant processor and acquirer with a comprehensive multi-channel solution suite

Cielo - 4th largest payments company in the world by market capitalization; publically traded (SAO Exchange)

Process over 5 billion transactions annually for over 1.2 M merchants

USA HQ in Redwood City, CA, global HQ in Sao Paulo, Brazil

250 Employees in USA, over 1,500 in Brazil

Differentiated by best-in-class technology, solutions and service

Processed over $14 billion dollars in transactions last year


For Referral PartnersFor BanksFor Merchants

What We Provide

For Merchants

A suite of end-to-end services that provide complete payment processing functionality:

e-Commerce Business-to-business Mobile commerce Traditional retail (POS) Mail-order, telephone-order Recurring billing Level 2 and 3 support Foreign currency exchange Risk management Funding within 2 days

For Banks

A complete, white-label and fully customizable business solution:

Banks control merchant relationships via Internet-based applications that provide complete visibility into merchant portfolios

Complete business management solution and analytical tools in addition to transaction processing

For Referral Partners

A merchant processing solution combined with our partners’ offerings:

No risk Partners offer customers a

compelling payment solution and receive recurring revenue streams

Sales training and support Active co-marketing program to

maximize opportunity


Why MeS? Our Partners Trust Us


Our Merchants Love Us!

“easiest”

“most dependable”

“knowledgeable”

“friendly”

“helpful”

“very responsive”

“quick and easy process”

“very pleased”

“saved money”


MeS is a Single Source Provider

Single vendor simplicity

Single integration

All-in-one solution

Single point of responsibility

Single point of contact for help

No additional costsTokenization

OtherProcessor

s


MeS’ Multi-Channel Solutions

e-CommerceMail orderPhone order

Mobile Retail Scheduledpayments

B2B


MeS PayEverywhere Platform - Versatile, Powerful and Simple

Virtual Terminal

Mobile

RetailRecurring

API and Batch

Virtual Terminal

Mobile

RetailRecurring

API and BatchPayEverywhere

Back Office


For key entry, swiped, and scheduled Works on any Internet-connected PC Best rate qualification Maximize reach and revenue

Level 2 and Level 3 support Designed for convenience and security

Stores customer & card info for retrieval & tracking Totally secure and PCI DSS-compliant

Best-in-class reporting Real-time, web-based reporting w/complete history Consolidated data across all channels and locations

PayEverywhere Virtual Terminal


Swipe or key enter almost anywhere For iOS, Android and Blackberry smartphones Free app – supports multiple users Reader - Shuttle or Woosim reader/printer Totally secure Fully integrated with PE Virtual Terminal Best-in-class reporting Fast and convenient

Store customer records and cards for convenient retrieval Email or print receipts

PayEverywhere Mobile


PayEverywhere Mobile


Seamless – proprietary gateway & processing solution Capable - supports for traditional and alternative payments Easy to implement – development and integrate Maximize reach and revenue

Foreign currency exchange Commercial card level 2 and level 3

Convenient Securely store customer and credit card info for convenient retrieval & tracking Chargeback management via reports or API

Powerful reporting Real-time API and web-based reporting with complete history

Secure Fraud detection and risk management Tokenization PCI-DSS compliant

All-in-One: Payment Gateway and Processing


PayHere is a secure HTML checkout page hosted by MeS. Easiest way to add credit card processing to an e-Commerce website. PayHere does the following:

Collects credit card information via a secure form. Generates authorization requests. Handles settlement once transaction is approved. Redirects cardholder to the merchant's web page of choice Emails receipt to the merchant and consumer.

Can have look and feel of e-Commerce website PayHere may also be used with an iFrame to completely shelter merchants from

having to store credit card data locally. Best-in-class reporting

e-Commerce: MeS PayHere


PayHere Flow

PayHere Checkout Page

Merchant Site

1

2 3

4

Success Page

Redirect


MeS’ Stand Out Features

Tokenization Commercial card

level 2 and 3

Scheduled Billing

Account UpdaterReporting


Real-time, web-based Summary and detailed reports, with drill-down. Consolidated reporting across all channels and

cards Easy reconciliation of sales and deposits Track transactions by customer and clerk Custom reports Data also accessible via API and export (Excel, CSV) Complete historical data

Best-in-Class ReportingTransactions

Settlement


Tokenization Included within MeS’ full suite of payment solutions Reduce PCI compliance and complexity Removes cardholder data from your system Protects customers confidential card data Makes for faster re-ordering Free with Merchant e-Solutions


Commercial Card level 2 and 3 About Commercial Cards

For corporate, government and purchase use

Includes line item detail of purchase to save you money

Key Benefits Guaranteed saving on interchange rates Prompts best rate qualification Lower credit card processing fees


PayEverywhere Scheduled Billing and Account Updater

Scheduled Billing

Account Updater

Flexible - Recurring, installment and on-demand payments

Capable – easily manage customer records, transactions and card data

Easy to set up - start date, number of payments, and frequency by customer

Reduces complexity – no need to call cardholders to update card info

Minimizes multiple authorization attempts / declines Quick and Easy – update and resolution Secure - when used in combination with MeS’ card store

feature For Visa, MC, Discover Get authorizations on expired cards


Call toll-free 24 x 7 No waiting - average wait time < 14 seconds 1 call for all – help, chargebacks, retrievals Exceptional service at no extra charge

Unsurpassed Customer Service Award-winning service (2012, 2013) Friendly and personal Staffed by in-house subject matter experts Fast approval and boarding NetSuite SDN Partner of the Year


All-in-one solution

Best-in-class reporting

Award-winning service

No additional costs

Amex funding within 48 hours

Key Advantages

Others

Multi-channel solutions

Ease of integration

Commercial card level 2 and 3


Great Prices, Better Value

No application set-up fee No payment gateway fee No tokenization fees No reporting fees Low chargeback and ACH / E-check fees Low hardware costs Low cost, superior value

Documents

Payment Processing for Today