Gateway to Scalable, Secure Online Transaction Processing

1. FSS Payment Gateway Gateway to Scalable, Secure Online Transaction Processing

2. FSS Payment Gateway As online commerce grows, so does the need for acquiring banks to deploy a scalable and secure online payment gateway system. FSS Payment Gateway has a proven 25+ years track record of successfully addressing online transaction processing needs of acquiring institutions. FSS Payment Gateway is a trusted partner to 40+ leading acquiring banks, payment processors and Central Banks globally, annually processing USD 15B in transaction value. The Gateway enables acquirers to deliver a fast, simple and secure payment processing experience to expand their merchant base and accelerate top-line growth. Merchants can securely access services via a single connection to process transactions originating from any sales channel - web, mobile, IVR. Integrated risk monitoring and fraud measures allow merchants to achieve the highest security levels and lower chargeback exposure. Multiple Payment Modes Payment Hosts and Networks VISA Wallets Master Card Debit + PIN Diners Debit + CVV $ BILL BILL BILL BILL BILL $ Faster Networks/IMPS Net Banking BANK Credit Cards 1234 5678 1234 5678 Prepaid Cards PAY Virtual Payment Address QR Codes Multiple Payment Types Multiple Transactions Multiple Currencies Supports Currency Conversion Pay to Merchant Partial Payments Instalments Recurring Payment Pay to Card (Credit card Bills) Supports Global Expansion

3. Benefits We Deliver Improves Go-Live Time Merchants can accept domestic and international payments across channels - Web, Mobile Web, Mobile In-App and IVR. Easy to integrate APIs, SDKs and plugins decrease development effort and improve time to market. Broad-base Reach with Hosted Checkout Easy-to-integrate, white-labelled hosted checkout option, enables acquirers on-board long tail of merchants. The checkout experience is customizable to mirror the merchant’s brand and minimizes PCI compliance burden, as sensitive payment details are not stored on merchant systems. Capture Higher Sales with Rich Payment Options The Gateway supports multi-channel multi-currency, multi-payment instruments, enabling merchants to capture higher sales. This includes international, local and new payment methods such as Wallets, QR Codes, Faster Payments, Debit and PIN. Further the Gateway drives transactions by supporting one-off payments as well as schedule regular fixed, recurring or variable payments. Assures Service Scale and Reliability Benchmarked for 4,000 TPS on Oracle Sparc servers with 17M transactions processed in 70 minutes, FSS Payment Gateway process large transaction volumes, especially peak hour spikes during seasonal events. A scalable, fully-redundant, fault-tolerant solution, across deployments FSS Payment Gateway has consistently averaged 99.9% availability, and a high transaction success rate. This guarantees an assured quality of service. Saves Processing Costs Direct integration with multiple banks enables intelligent transaction routing, improving ratio of on-us transactions and lowering interchange costs Support for local payment options including Debit Cards and PIN saves interchange fee Supports Multiple Deployment Models FSS supports licensed and hosted deployments models. The hosted model provides acquirers with a scalable, consumption-based service, with FSS assuming complete responsibility for on-demand capacity scaling and >99.9% availability Delivers Secure, Transaction Experience and Reduce Chargebacks Shields acquirers and lowers volume of chargebacks via: Advanced transaction risk scoring and encryption for card-on-file transactions Support for 3D Secure - Mastercard SecureCode™, Verified by Visa™, J/Secure™ and Diners Club ProtectBuy™ - reduces acquirer fraud liability and potentially lowers interchange costs PA DSS 3.0 certification prevents data breaches and reduces acquirer liability

4. Boost Growth with Data-Driven Insights The benefits of Payment Gateway include “analytics as a service” for informed decisioning. Leveraging big data tools, acquirers can model: Merchant Performance: Profile and segment merchants based on transaction recency, frequency and monetary value to improve overall portfolio profitability Customer Performance: Analyses key transaction trends including preferred payment instruments, shopping categories, time of shopping, improves sales targeting Risk Performance: Automatically adjust fraud strategies to maintain optimal mitigation defences Protects Against Fraud A sophisticated and effective, rules-based system provides complete control to define, manage and monitor velocity, volume and value limits at a per terminal and a per card level. The Gateway can integrate with Paynalytix, FSS analytics platform, or a third-party fraud engine to risk score transactions and reduce chargeback volumes. The FSS Advantage 100% penetration among banks in a GCC country for debit card transactions 1Billion transactions processed annually 40% 350,000 merchant accounts process 40% of India’s e-commerce traffic 250+ merchant categories 15 Billion USD transaction value 40+ banking PADSS 3.0 certified customers globally About FSS Financial Software and Systems (FSS) is a leader in payments technology and transaction processing. The company offers a diversied portfolio of software products, hosted payment services and software solutions built over 25+ years of experience. FSS, end-to-end payments suite, powers retail delivery channels including ATM, POS, Internet and Mobile as well as critical back-end functions including cards management, reconciliation, settlement, merchant management and device monitoring. Headquartered in Chennai, India, FSS services leading global banks, nancial institutions, processors, central regulators and governments across North America, UK/Europe, ME/Africa and APAC and has 2,500 experts on-board. For more information, write to products@fsstech.com