IBM Payments Gateway. Simplify your payments acceptance with prebuilt, ready-to-deploy global payments solutions and services on the cloud

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1 IBM Commerce IBM Payments Gateway Simplify your payments acceptance with prebuilt, ready-to-deploy global payments solutions and services on the cloud

2 Highlights Deliver a consistent, secure shopping experience across channels and devices Accept payments on any device, anywhere in the world Easily manage payments with a single view of settlement and accounts across channels Leverage connections to over 170 payments types in over 70 countries Significantly reduce risk of handling sensitive payments and customer information Accept nearly all payments methods and reach new customers As a global company, you understand the need to accept any payment, through any method, anywhere in the world. Take advantage of the opportunity to reach consumers on connected devices smartphones, tablets, PC s with IBM Payments Gateway. Accept payments anywhere in your consumers preferred method with a simple, scalable, deployment-ready solution. Consumers are increasingly using a wide range of devices to discover, select, and pay for goods and services. With IBM Payments Gateway you can offer your customers a seamless, secure way of checking out across devices. By streamlining this process, you can reduce cart abandonment and improve the entire shopping experience. Make payments easier IBM Payments Gateway is a flexible solution designed to give your customers an easy, frictionless shopping experience, and give you simplicity and visibility in payments acceptance and management. This configurable offering integrates seamlessly into websites, mobile sites, smartphone apps and call center tools. IBM Payments Gateway will help Merchants to: Reach customers shopping at home or on the go Reduce cart abandonment rates Offer better shopping experiences for your customers Gain visibility into payments across all channels Your customers will be able to: Pay with a wide range of methods Store payments credentials for easier future purchases Pay with the confidence that sensitive information is securely stored This Software-as-a-Service (SaaS) solution from IBM Commerce integrates with your existing platform, and gives customers a consistent payments experience. Embedded fraud detection and powerful value-added services provide you with a strong base for payments acceptance and the capability to attain the next level of insight with analytics. Understand local market payments systems everywhere Support your global growth with the brand and scale of IBM. IBM Payments Gateway supports over 170 payments methods in over 70 countries, and our knowledge of local markets and payments needs gives you a true global partner. IBM has invested in attaining an in-depth understanding of payments behaviors in key local markets which will help guide your global commerce program and optimize your revenue and conversion rates. Our local market insights program identifies: Payments options Local characteristics (installments, descriptions and visual characteristics) Payments method surcharges Authentication codes Display order of payments options Payments method characteristics This analysis gives you a robust, global view of core and recommended online payments options, and helps you understand and

3 implement best practices in each of your strategic markets.

4 A complete payments gateway and settlement reconciliation solution Features Global reach with local expertise to optimize conversion rates Fully localized payments checkout experience in more than 70 countries Universally-accepted global payments options 170+ supported payments types and growing Convenient one-click payments for returning customers Gift cards Installments Pay with multiple cards Payments method surcharges and rewards Loyalty points Payments review Full control over end-user experience Accordion-based Graphical User Interface (GUI) design with fewest possible pages Checkout GUI delivered in an I-frame, designed to blend seamlessly into your websites, mobile sites and smartphone apps No disruptions, no inserted pages or pop-ups from middlemen Customized payments option descriptions, in-line advertisements, as well as customized surcharge, reward and promotional messages Systematic elimination of exceptions that prevent customers from completing payments Dual processor setup Assumed approval Referral solution Reduced need for additional processors who add cost, not value Credit hold Data feeds designed to lower manual workload and achieve straight-through processing of payments Automated closing and (re-)opening of accounts receivable (A/R) records Automated posting of bank and processor fees Automated cash application and deposit forecasting Improved controls and lower settlement reconciliation costs Bank and Payments Processor Reconciliation Controls over lost settlements, fees and downgrades, settlement timeliness, and foreign exchange Settlement reconciliation managed service to reduce operating costs Embedded fraud prevention options Verification of cardholder name, billing address, security code, issuing country, bank routing and account number Dynamic 3D secure cardholder authentication Dynamic payments method restrictions Hot list and velocity checks Pre-integrated connectivity from leading fraud specialist providers Identified maximum amount of fraud while examining the some of the fewest possible orders and lowering rejection of valid transactions Rules-based checks Payments processing Automatic handling of partial shipments, amount deviations and expired authorizations Support for referrals, returns, cancellations, disputes, partial refunds, partial chargebacks and reversals One-step and two-step, push and pull payments One-time and recurring billing transactions Create and maintain customer accounts

5 Credit management with embedded credit controls Intelligent routing Full pre-authorization validation Independent authorization and settlement routing Auto-recognition and auto-processing of level 2 and level 3 card transactions, with auto-filling of level 2 and 3 details Least cost routing of co-branded cards On-Us routing Configurable payments method restrictions Easy Integration One common interface for global payments Single format with fully harmonized codes and values across all tools, payments methods, countries and processors Option to start with a basic solution and plug in additional, advanced features later Add new countries and payments methods with a single click Full suite of interface modules including GUIs, web services Application Programming Interface (API), Reports and Data Feeds High Performance IT Delivery Options Our solution is delivered as a cloud-based SaaS service, or as a fully-managed service implemented in your own data centers High performance, maximum throughput, and availability to minimize your checkout abandonment or false declines Supports more than 6,000 payments transactions per second Compliance Payments Card Industry Data Security Standard (PCI DSS)-certified solution and service Single Euro Payments Area (SEPA)-ready Automatic compliance with card association rules, National Automated Clearing House rules, data privacy rules and Web Content Accessibility Guidelines Bank Independent Use existing payments assets and honor your corporate banking obligations Immediate access to a global network of banks and payments processors connected to IBM s platform Access to new banks and processors on IBM s roadmap Enablement of almost any other bank or processor of your choice Digital commerce payments - simplified Accept Accept any payment anywhere with a deployment-ready SaaS solution. IBM Payments Gateway is highly configurable, gives your customers a consistent shopping experience across channels. Delight customers with added services, such as card-on-file for easy repeat purchasing. Connect Connect to over 170 payment methods in over 70 countries. IBM Payments Gateway will help your business grow globally, with local market analysis, worldwide support, and the globally recognized IBM brand as your business partner. Manage Benefit from a single view of payments across all channels and locations. IBM Payments Gateway manages routing and automates settlement, presenting your business with a straightforward data feed and no settlement burden. Secure Empower customers with the security to shop with confidence, knowing their sensitive information is saved in a PCI-compliant vault. IBM Payments Gateway takes all payment credentials, alleviating your business from onerous, expensive compliance responsibilities.

6 For more information To learn more about how IBM Payments Gateway services can transform your customers and your own commerce experiences, we invite you to visit: Additionally, IBM Global Financing can help you acquire the IT solutions that your business needs in the most cost-effective and strategic way possible. We ll partner with credit-qualified clients to customize an IT financing solution to suit your business goals, enable effective cash management, and improve your total cost of ownership. IBM Global Financing is your smartest choice to fund critical IT investments and propel your business forward. For more information, visit: ibm.com/financing. ZZB03064USEN-00