MPES. MYPINPAD PIN Entry Solutions.

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1 MPES MYPINPAD PIN Entry Solutions for next generation mpos devices MPES is a software-based PIN pad solution that securely enables PIN authentication on a merchant s mobile device. MPES offers an alternative, low cost option to traditional mpos hardware-based solutions.

2 2 MPP PIN Entry Solutions MPP PIN Entry Solutions 3 mpos: An evolving landscape MPES is part of MYPINPAD s (MPP) Merchant Trust Solutions (MTS), developed to enhance and expand your mpos market offering. The mpos solution and regulatory landscape has changed considerably over the past 8 years 1. With the mpos market experiencing consistently strong growth, the rate of change is expected to increase as vendors, Payment Service Providers (PSPs) and regulators look to meet the requirements of an expanding user demographic. mpos solutions have already undergone significant evolution, progressing from low tech, low cost swipe devices to devices that closely resemble POS terminals with mandated support for EMV and PIN authentication to combat rising fraud levels. This transformation has introduced significant costs, almost to a point that mpos card acceptance solutions are no longer affordable for many small and micro merchants in both developing and developed economies, where there are significant growth opportunities. The need for PSPs to differentiate and remain competitive is more important than ever as the number of competing solutions, alternative payment technologies, vendors and services providers continues to grow. With industry-wide commoditisation, it is critical to offer the most current, futurefocused products and services to remain relevant in this highly competitive market. 1.Square founded 2009

3 MPP PIN Entry Solutions 5 Grow your merchant customer base MPES for mpos is a software-based PIN pad solution that securely captures PIN entry on the merchant s mobile device as an alternative to traditional hardware-based solutions. Removing the need for a hardware PIN pad allows vendors to produce smaller, lower-cost devices that will appeal to a larger market. By reducing the solution cost, a significant barrier to entry for merchants is also removed. The size of your potential market will increase and so too the opportunities to expand your customer base. A trusted user-experience Signature-based solutions for mpos are not ideal in terms of security and user experience. PIN is a universally trusted and accepted form of authentication that offers a level of security consumers feel comfortable with. It has years of education behind it, driven by the banks and schemes who still prefer this method of authentication. MPES for mpos is a software-based PIN pad solution that securely captures PIN entry on the merchant s mobile device as an alternative to traditional hardware-based solutions. Seamless integration for widespread adoption MPES is compatible with Android and ios touchscreen devices and has been integrated into many globally available PCI compliant secure card reading (SCR) devices. Please contact MPP on info@ mypinpad.com for the latest list of supported SCR devices. MPES supports online and offline PIN and can work with all payment card schemes. The solution works seamlessly with existing applications and infrastructure, making MPES a highly cost-effective mobile payments option. Bluetooth Card Readers available

4 6 MPP PIN Entry Solutions MPP PIN Entry Solutions 7 MPES is comprised of three elements: PROCESSOR GATEWAY TS (Trust Services) SMARTPHONE / TABLET MPEA (MPP PIN Entry Application) and POS Application PCI PTS SRED SCR SPEL (SCR PIN Entry Library) and EMV MPEA (MPP PIN Entry Application) Environment Checking MPEA App security Secure PIN capture SCR and TS Authentication P2PE / SRED Please enter your PIN: P2PE / SRED TS (Trust Services) Back office element SCR and MPEA authentication Device Authentication Environment monitoring Fraud Engine Plug-in TMS plug-in SPEL (SCR PIN ENTRY LIBRARY) Internal to the Card reader/dongle Strong Encryption Strong Encryption MPEA and TS Authentication PIN Block generation

5 8 MPP PIN Entry Solutions MPP PIN Entry Solutions 9 Future-focused technology The world of payments is evolving at an incredible rate and all MPP Merchant Trust Solutions (MTS) have been developed with a focus on the future. Mobile empowered consumers are looking to businesses within the payments industry to react and evolve products rapidly to meet their needs. MPP MTS enables the payments industry to continue the ongoing innovation that is required to keep up with consumer demand. MPP is continuously investing in research and development to expand its offerings to include emerging authenticator technologies such as behavioural biometrics and beyond. MPP MTS enables the payments industry to continue the ongoing innovation that is required to keep up with consumer demand. Global experience, local solutions The patented MTS and MPES technologies have been developed by MPP, a global leader in payments software solutions. Our experience in software PIN entry dates back to when the very first conversations on this topic began. MPP is managed by an alliance of leaders from the global payments industry with a collective 100+ years experience spanning a wide spectrum of banking, security and payment technology. MPP is a technology company with a goal of delivering economic, scalable solutions to meet our clients diverse requirements for authentication and identity management. For more information about MTS, visit www. mypinpad.com.

6 Europe Level 39 1 Canada Square Canary Wharf London, E14 5AB + 44 (0) Asia 21/F Gloucester Tower The Landmark 15 Queens Road Central Hong Kong info@mypinpad.com