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PAYMENT GATEWAY

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Run your business with only Internet access.

A proprietary gateway that evolves with the industry and merchant needs.

Payment XP integrates with the most common shopping carts to quickly and easily turn your website into an e-commerce site.

Accepts everything from credit cards, gift cards, checks, subscriptions, Electronic Benefits Transfer (EBT), electronic check/Automated Clearing House (ACH), Check 21, and more.

Any Payment. One Point of Entry.

Third-party Systems

Merchant ProcessorsCredit Card Processors

Check ProcessorsE-commerce Applications

Debit Card Processors

Devices

We work with all major wireless networks

Notebook Terminal Smartphone PC (Desktop)Tablet

GATEWAY

SECUREPCI DSS compliant

Hosted solution minimizes liability and takes PCI compliance out of scope

Secure socket layer (SSL) certificate encryption technologies

Advanced risk management tools

Merchant-defined fraud risk engine

MOBILEMobile PXP turns any mobile device into a credit card processing machine

Supports peripherals, including mag-stripe readers, PIN pads, and receipt printers

INTELLIGENTWeb-based solution eliminates the need for software upgrades

Integrates into existing website

Chargeback Management SystemProvides merchants with descriptions of chargebacks along with suggested tips, tools, and documentation to fight them. Manage and dispute chargebacks within one solution.

Revenue OptimizerPreviously failed authorization attempts are analyzed against an extensive merchant portfolio to determine optimal repeat authorization attempts.

Capture extra merchant-defined information on each transaction

Recurring billing and scheduled payments system

Customizable merchant-branded receipts

Customizable email notifications

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Authorization currencies include:

Conduct business anywhere in the world with anyone in the world

Payment XP has a comprehensive suite of credit card, debit card, and alternative payments solutions in cooperation with several major European banks.

Payment XP enables merchants and customers to transact in their own currencies, at guaranteed prices.

Customers view prices in local currencies (e.g. Euro) on the merchant’s website and are charged with the exact amount displayed on-screen, while the merchant continues to operate and receive settlement in its base currency (e.g. USD).

Payment XP simplifies the complex procedures and eliminates the foreign exchange risks that are associated with foreign currency management.

AED, ARS, AUD, BGN, BRL, CAD, CHF,

CLP, CNY, CZK, DKK, EEK, EUR, GBP,

HKD, HRK, HUF, ISK, INR, IDR, ILS, JPY,

KRW, LVL, LTL, MYR, MXN, NZD, NOK,

PHP, PLN, RON, RUB, SEK, SGD, SKK,

THB, TRY, TWD, UAH, USD, VND, ZAR

Settlement currencies:

AUD, BRL, CAD, CHF, CZK,

DKK, EUR, GBP, HUF, ISK, JPY,

MXN, NOK, PLN, SEK, SKK,

THB, TRY, USD, ZAR

A Global Perspective

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Global Processing Features

Multi-CurrencyThe transaction can be displayed and authorized in the currency of your customers’ choosing.

Electronic Dynamic Currency Conversion (eDCC)Payment XP sends daily foreign exchange rate tables to authorize in the currency of the customer, while settlement will return in the home currency at the exchange rate of the date of authorization.

Like-to-Like Processing in Multiple CurrenciesLike-to-like processing allows for authorization and settlement in the same currency. This requires an account with an international acquirer.

Host Payment Page SolutionsEliminating the need for merchants’ PCI DSS compliance, this solution provides multiple language support and multiple currency support with traditional credit card and country-specific payment options.

A Global Perspective

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Fight fraud in a single click

Fraud XP is an integrated solution that incorporates 1000+ combinations of fraud profiles. It is a customizable and scalable solution with merchant-defined criteria that utilizes ‘best in class’ partners with the largest device reputation database.

Fight fraud... Real-time risk analysis to make real-time decisions

Block specific devices (computers, tablets, mobile phones) with largest fraud database of device intelligence including experience of over billions+ of reputation checks and 550 million devices

Access proprietary negative databases

Set transaction thresholds by day, week, and transaction amount

On-demand reporting allows for proactively preventing future fraud

Create unique negative databases

Global perspective on device security

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...and stay in business. Increase revenue and reduce costs

Maximize order conversion

Minimize fraud management expense by reducing the number of transactions sent for manual review

Reduce PCI DSS compliance liabilities and avoid costs of data theft

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TokenizationTokenization is a process in which Payment XP stores credit card data and personal information in the Customer Vault, returning a secure “token” or “alias” to the merchant. These “tokens” allow for the same functionality and control as original credit card data. To initiate any future charges (single or recurring) or to issue refunds, simply submit the “token,” avoiding exposure of customers’ sensitive billing information.

Storing credit card data and personal information in the Customer Vault increases the security and efficiency of outsourcing your payments.

Reduces exposure to fraud

Flexibility to create unique tokens to match an existing numbering system

Simplifies recurring payment processing

Increases conversion rates

Flexibility to process transactions as and when required

Easy for customers to make repeat purchases on website

Take customer payment information over the phone and keep it for processing on a future date

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Advanced Reporting Engine

Reports that Drive Results Advanced reports are available on-demand and can be exported in various file formats.

Account SummaryTransaction Type detail report that lists all various transaction type processed. Data is organized by MTD, Previous MTD, and YTD.

Monthly Threshold SummaryProvides an overview of processing volume by month across all available MIDs. Also provides chargeback ratio reporting by card type.

Corporate SummaryAggregate multiple accounts on a single intuitive report. Quickly drill down and analyze your entire portfolio from a single location.

Retrieval SummaryDetailed breakdown of retrievals received by card type and reason code.

Chargeback SummaryDetailed breakdown of chargebacks received by card type and reason code.

Chargeback Refund ComparisionQuick glance comparison chart of all chargebacks and refunds received.

Chargeback MotionForecast report with emphasis on target chargeback ratio and sales goal.

Daily BreakdownLine item details of daily transactions organized by card type. Streamline reconciliation in minutes instead of hours.

Transaction BreakdownAll transactions organized by various filters.

BIN DetailsAll transactions organized by Bank Identification Number. Transactions organized by trans type and BIN. This will help you reduce fraud by taking action through the different types of cards that you process.

1901 East Alton Avenue, 2nd FloorSanta Ana, CA 92705

888 851 7558www.merituspayment.comwww.paymentxp.com

© 2012 Meritus Payment Solutions