PAYMENT GATEWAY
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Any Payment. One Point of Entry. 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.
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SECURE PCI DSS compliant
Notebook
Terminal
Smartphone
Tablet
Devices
PC (Desktop)
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
MOBILE Mobile PXP turns any mobile device into a credit card processing machine Supports peripherals, including mag-stripe readers, PIN pads, and receipt printers
We work with all major wireless networks
INTELLIGENT Web-based solution eliminates the need for software upgrades Integrates into existing website Chargeback Management System
GATEWAY
Provides merchants with descriptions of chargebacks along with suggested tips, tools, and documentation to fight them. Manage and dispute chargebacks within one solution. Revenue Optimizer
Third-party Systems Merchant Processors Credit Card Processors Check Processors E-commerce Applications Debit Card Processors
Previously 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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A Global Perspe 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.
Authorization currencies include:
Settlement currencies:
AED, ARS, AUD, BGN, BRL, CAD, CHF,
AUD, BRL, CAD, CHF, CZK,
CLP, CNY, CZK, DKK, EEK, EUR, GBP,
DKK, EUR, GBP, HUF, ISK, JPY,
HKD, HRK, HUF, ISK, INR, IDR, ILS, JPY,
MXN, NOK, PLN, SEK, SKK,
KRW, LVL, LTL, MYR, MXN, NZD, NOK,
THB, TRY, USD, ZAR
PHP, PLN, RON, RUB, SEK, SGD, SKK, THB, TRY, TWD, UAH, USD, VND, ZAR
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ective Global Processing Features Multi-Currency The 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 Currencies Like-to-like processing allows for authorization and settlement in the same currency. This requires an account with an international acquirer.
Host Payment Page Solutions Eliminating 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.
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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... R eal-time risk analysis to make real-time decisions B lock 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 S et transaction thresholds by day, week, and transaction amount On-demand reporting allows for proactively preventing future fraud C reate unique negative databases G lobal perspective on device security
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...and stay in business. I ncrease revenue and reduce costs M aximize order conversion M inimize fraud management expense by reducing the number of transactions sent for manual review R educe PCI DSS compliance liabilities and avoid costs of data theft
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Tokenization Tokenization 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. R educes exposure to fraud F lexibility to create unique tokens to match an existing numbering system S implifies recurring payment processing I ncreases conversion rates F lexibility to process transactions as and when required E asy for customers to make repeat purchases on website T ake 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 Summary Transaction Type detail report that lists all
C hargeback Refund Comparision
various transaction type processed. Data is
Quick glance comparison chart of all
organized by MTD, Previous MTD, and YTD.
chargebacks and refunds received.
Monthly Threshold Summary
Chargeback Motion
Provides an overview of processing volume
Forecast report with emphasis on target
by month across all available MIDs. Also provides chargeback ratio reporting by card type.
chargeback ratio and sales goal.
Daily Breakdown
Corporate Summary
Line item details of daily transactions
Aggregate multiple accounts on a single
reconciliation in minutes instead of hours.
intuitive report. Quickly drill down and analyze your entire portfolio from a single location.
organized by card type. Streamline
Transaction Breakdown All transactions organized by various filters.
Retrieval Summary Detailed breakdown of retrievals received
BIN Details
by card type and reason code.
All transactions organized by Bank Identification Number. Transactions
Chargeback Summary
organized by trans type and BIN. This
Detailed breakdown of chargebacks
action through the different types of
received by card type and reason code.
will help you reduce fraud by taking cards that you process.
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1901 East Alton Avenue, 2nd Floor Santa Ana, CA 92705 888 851 7558 www.merituspayment.com www.paymentxp.com Š 2012 Meritus Payment Solutions