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					PayTrace      Payment Gateway
 The Secure Advantage
Company Overview
Your Next Generation Payment Processing Solution Provider
PayTrace is an industry leader in providing comprehensive, easy to use, and efficient payment processing
and data storage software solutions. These solutions include the ability to process credit card, gift card,
and e-check transactions over a secure internet connection. PayTrace provides services that allow
merchants to efficiently manage their payment processing so they can focus their attention on succeeding
at their own respective business.




     Quick Facts:
       • PayTrace was Founded in 2004
       • Managers and Employees are Credit Card Industry Experts
       • Currently Servicing Over 21,000 Users
       • Processing Over $2.9 Billion Annually
       • Processing Over 9.5 Million Transactions Annually
       • PCI DSS Certified Since 2005


     Our Values:
       • Dedicated to Providing Exceptional Customer Support
       • Committed to Helping Merchants Minimize Credit Card Processing Costs
       • Engaged in Developing Solutions to Improve Merchants’ Efficiency
       • And, Above All, PayTrace Values Honesty, Loyalty, and Integrity in its Dealings


     Value Proposition for Merchants:
       • Reduce Processing Costs
       • Reduce Equipment Costs
       • Increase Security & Reduce Fraud
       • Operate More Efficiently
Table of Contents

  • Why PayTrace? ................................................................................................................. 2

  • Product Overview.............................................................................................................. 3

  • PayTrace Professional P ............................................................................................. 4, 5

  • PayTrace Basic B ......................................................................................................... 6, 7

  • Product Shopping Cart P ............................................................................................... 8

  • Payment/Donation Shopping Cart                       B     P ...................................................................... 9


  • Application Program Interface (API) P .......................................................................... 10

  • PayTrace Mobile B                P ................................................................................................ 11


  • Customer Profile Storage P .......................................................................................... 12

  • Recurring & Repeat Payments P .................................................................................. 13

  • E-Check/ACH Processing P ......................................................................................... 14

  • Gift Cards P ................................................................................................................. 14

  • Business, Corporate, & Purchasing Card Processing P ............................................... 15

  • Receipts & Reports B                 P ............................................................................................ 16


  • Exceptional Customer Support B                        P .......................................................................... 17


  • Data Security & Fraud Reduction B                        P ....................................................................... 18


  • Recommended Hardware B                        P .................................................................................. 19


  • Product Feature Matrix B                  P .................................................................................20, 21




                                                                                                                                             1
    Why Use PayTrace?
    ➤ Reduce Equipment Costs
    A web-enabled device is all you need to process credit card, e-check, and gift card payments through
    PayTrace. No credit card terminals. No dedicated phone lines. No software installation. No software
    maintenance. No software update fees. All of these factors contribute to the possibility for an overall
    reduction in your equipment costs.

    ➤ Reduce Processing Costs
    PayTrace’s solutions provide real-time recommendations to help reduce your processing costs. Level II
    and Level III data can be added to Business, Corporate, and Purchasing card transactions. AVS match
    evaluations can be performed. CVV/CSC match evaluations can be performed. Your transactions can be
    settled automatically on a daily basis. All of these factors contribute to the possibility for an overall reduction
    in your processing costs.

    ➤ Operate More Efficiently
    PayTrace offers features that help you operate your business more efficiently. Access your account from
    any web enabled device. Swipe or key-enter transactions. Store customer profiles. Create and distribute
    comprehensive reports. Email reports, receipts, and alerts. Add e-check/ACH processing. Add a
    pre-integrated shopping cart. Integrate 3rd party or proprietary software. Add recurring payments. Add
    gift card processing. Link multiple PayTrace accounts together. And much more…

    ➤ Increase Security And Reduce Fraud
    PayTrace protects sensitive data and controls access to your account to increase security and reduce
    fraud. No payment data is stored locally on your network, computer(s) or premises by PayTrace. SSL
    encrypted data transmission. Data stored in redundant high-security data centers. PCI DSS Certified.
    Multi-factor authentication required for log-in. Customizable permissions for each user. Optional
    pre-integrated payment shopping cart
    to eliminate the need to see or touch
    credit card data.

    ➤ First-Class Customer Support
    Providing exemplary customer support
    is part of our core values. Free training.
    Free technical support. Knowledgeable
    staff. Prompt responses. We strive to
    exceed your customer support expecta-
    tions to ensure a successful long term
    relationship.




2
Product Overview
Retail • E-Commerce • Business to Business • Professional Services
Telemarketing • Financial Institutions • Non-Profits • Property Management

PayTrace Professional:           P

PayTrace Professional is a highly scalable payment processing solution with numerous optional features that
can be tailored to accommodate your most complicated payment processing needs. In addition, PayTrace
Professional offers robust security, cost savings, and efficiencies which can’t be found with other credit card
processing solutions.

     PayTrace Professional Options:
       • Pre-Integrated Product Shopping Cart
       • Pre-Integrated Payment/Donation Shopping Cart
       • Application Program Interface (API) Allowing 3rd Party Software Integration
       • E-Check/ACH Processing
       • Gift Card Processing
       • Automatic Recurring Payments
       • Batch Upload
       • Link Multiple PayTrace Accounts Together

PayTrace Basic:        B

PayTrace Basic offers streamlined credit card processing functionality for cost sensitive low transaction volume
merchants who don’t require the functionality associated with PayTrace Professional. PayTrace Basic offers
the same simple credit card processing features as a credit card terminal with the added security and
convenience of a database driven web-based application. In addition, PayTrace Basic offers a pre-integrated
payment/donation shopping cart that can be used to accept payments/donations of a customer/donor
determined amount over the web.

PayTrace Cash Advance:               C

PayTrace Cash Advance provides a simple and secure means for
Financial Institutions to replace aging cash advanced equipment
with modern technology to process cash disbursement transactions.
What better way to become familiar with Pay Trace so you can
accurately speak to its value with your business customers than
to use it yourself? And, you’ll benefit from the convenience of
eliminating your old bulky cash advance equipment while replacing
it with a solution that offers far more security. Please contact us for
further information.


                                                                                                                   3
                                             Professional
        Your Professional
    PayTraceComprehensive Credit Card Processing Solut      P


    PayTrace offers web based payment processing applications that are cons
    Your Comprehensive Payment Processing Solution
    monitored for uptime and security. PayTrace Professional offers rich func
    PayTrace Professional is a highly scalable payment processing solution with numerous optional features that
    provides a solution for a wide variety of industries. In addition, PayTrace
    can be tailored to accommodate your most complicated payment processing needs. In addition, PayTrace
                                         cost savings, and efficiencies which can’t be found
    offers robust security, cost savings, and efficiencies which can’t be found with other credit card
    Professional offers robust security,
    credit card processing solutions.
    processing solutions.

                                                  Increase Increase Security
                                                           Security & Reduce Fraud:               & Reduce
                                                                     • No Locally
                                                   • No Locally Stored Cardholder Data  Stored Cardholde
                                                                     • SSL Encrypted Data Transm
                                                   • SSL Encrypted Data Transmission
                                                                     • High-Security Data Centers
                                                   • Data Stored in Redundant High-Security Data Centers
                                                                     • PCI DSS Compliant
                                                   • PCI DSS Certified
                                                                     • Multi-factor Authentication L
                                                   • Multi-Factor Authentication Log-in
                                                                     • Customizable User Permissio
                                                   • Customizable User Permissions
    Reduce Processing Costs:
    Reduce Processing Costs: • Optional Pre-Integrated Payment/Donation Shopping Cart
            • Level II Business Card Data Processing
     • Level II Business Card Data Processing
            • Level III Purchasing Card Data Processing
     • Level III Purchasing Card Data Processing
            • AVS Match Evaluation
     • AVS Match Evaluation
            • CVV / CSC Match Evaluation
     • CVV/CSC Match Evaluation
            • Automatic Daily Settlement
     • Automatic Daily Settlement
    Reduce Equipment Costs:
    Operate More Efficiently:
          • No Credit Card Terminals
           • No Dedicated Device
     • Access from Any Web Enabled Phone
                                       Lines                       Reduce Equipment Costs:
             • No Software Installation
     • Swipe or Key Enter Transactions
                                                                     • No Credit Card Terminals
     • Store • No Software Maintenance
             Customer Profiles
                                                                     • No Dedicated Phone Lines
     • Comprehensive Reporting
                                                                     • No Software Installation
     • Email Reports, Receipts, and Alerts                          More Efficiently:
                                                           OperateSoftware Maintenance
                                                               • No
     • Optional E-Check/ACH Processing                              •   Access from Any Web Enab
     • Optional Pre-Integrated Shopping Cart                        •   Swipe or Key Enter Transac
     • Optional 3rd Party Software Integration                      •   Store Customer Profiles
     • Optional Automatic Recurring Payments
                                                                    •   Comprehensive Reporting
                                                                    •   Email Reports, Receipts, an
     • Optional Gift Card Processing
                                                                    •   Optional Fully Integrated Sh
     • Link Multiple PayTrace Accounts Together
                                                                    •   Optional 3rd Party Software
                                                                    •   Optional Automatic Recurrin
4                                                                   •   Optional Gift Card Processin
PayTrace Professional                               P



   Standard Features:
    • Remote Hosted Software Available via Any Internet Enabled Device
    • Payment Card Industry Data Security Standards (PCI DSS) Certified
    • SSL Encrypted Data Transmission
    • Data Stored in Redundant High-Security Data Centers
    • Unlimited Number of Unique User Log-ins
    • Customizable Permissions for Each User
    • Store up to 5000 Customer Profiles with Payment Information
    • Process All Major Credit Cards
    • Process Credit Cards with Level II and Level III Data
    • Store Cash & Check Transactions
    • Customize, Email, and Print Receipts
    • Generate, Email, and Export up to Fifteen Customizable Reports
    • Add Custom Data Fields/Discretionary Data Elements
    • Automatic Daily Settlement
    • Access to PayTrace Mobile via https://paytrace.com/m


   Optional Features:
    • Pre-Integrated Product Shopping Cart
    • Pre-Integrated Payment/Donation Shopping Cart
    • Application Program Interface (API) Allowing 3rd Party Software Integration
    • E-Check/ACH Processing
    • Gift Card Processing
    • Automatic Recurring Payments
    • Batch Upload
    • Link Multiple PayTrace Accounts Together


   Customer Support:
    • 24 Hour Per Day, 7 Day a Week Email Support
    • Telephone Support During Extended Business Hours
    • Training Videos to Assist with Common Training Needs
    • A User’s Forum Addressing Many FAQ’s: http://paytrace.net
    • A Commitment to Exceed Your Customer Support Expectations


                                                                                    5
    PayTrace Basic                            B


    Your Streamline Payment Processing Solution
    PayTrace Basic offers streamlined credit card processing functionality for cost sensitive low transaction volume
    merchants who don’t require the functionality associated with PayTrace Professional. PayTrace Basic offers
    the same simple credit card processing features as a credit card terminal with the added security and
    convenience of a database driven web-based application. In addition, PayTrace Basic offers a pre-integrated
    payment/donation shopping cart that can be used to accept payments/donations of a customer/donor
    determined amount over the web.
                                                    Increase Security & Reduce Fraud:
                                                      • No Locally Stored Cardholder Data
                                                      • SSL Encrypted Data Transmission
                                                      • Data Stored in Redundant High-Security Data Centers
                                                      • PCI DSS Certified
                                                      • Multi-Factor Authentication Log-in
                                                      • Customizable User Permissions
                                                      • Pre-Integrated Payment/Donation
    Reduce Processing Costs:                            Shopping Cart
     • Level II Business Card Data Processing
     • AVS Match Evaluation
     • CVV/CSC Match Evaluation
     • Automatic Daily Settlement
                                             Reduce Equipment Costs:
                                               • No Credit Card Terminals
                                               • No Dedicated Phone Lines
                                               • No Software Installation
                                               • No Software Maintenance




                                             Operate More Efficiently:
                                               • Access from Any Web Enabled Device
                                               • Swipe or Key Enter Transactions
                                               • Comprehensive Reporting
                                               • Email Reports, Receipts, and Alerts
                                               • Pre-Integrated Payment/Donation Shopping Cart



6
PayTrace Basic                   B



   Standard Features:
    • Remote Hosted Software Available via Any Internet Enabled Device
    • Payment Card Industry Data Security Standards (PCI DSS) Certified
    • SSL Encrypted Data Transmission
    • Data Stored in Redundant High-Security Data Centers
    • Three Unique User Log-ins
    • Customizable Permissions for Each User
    • Process All Major Credit Cards
    • Process Credit Cards with Level II Data
    • Store Cash & Check Transactions
    • Customize, Email, and Print Receipts
    • Generate, Email, and Export up to Three Customizable Reports
    • Automatic Daily Settlement
    • Access to PayTrace Mobile via https://paytrace.com/m
    • Pre-Integrated Payment/Donation Shopping Cart

   Consider PayTrace Professional If These Features Are Needed:
    • Unlimited Number of Unique User Log-ins
    • Store up to 5000 Customer Profiles With Payment Information
    • Process All Major Credit Cards
    • Process Credit Cards with Level III Data
    • Generate, Email, and Export More Than Three Customizable Reports
    • Add Custom Data Fields/Discretionary Data Elements
    • Pre-Integrated Product Shopping Cart
    • Application Program Interface (API) Allowing 3rd Party Software Integration
    • E-Check/ACH Processing
    • Gift Card Processing
    • Automatic Recurring Payments
    • Batch Upload
    • Link Multiple PayTrace Accounts Together


   Customer Support:
    • 24 Hour Per Day, 7 Day a Week Email Support
    • Telephone Support During Extended Business Hours
    • Training Videos to Assist with Common Training Needs
    • A User’s Forum Addressing Many FAQ’s: http://paytrace.net
    • A Commitment to Exceed Your Customer Support Expectations


                                                                                    7
    Product Shopping Cart                                       P



    Your Pre-Integrated E-Commerce Solution
    PayTrace’s fully integrated shopping cart is an option with PayTrace Professional that allows you easy entry
    into the world of e-commerce. PayTrace’s shopping cart is highly flexible and can be used in a number of
    different ways to meet your e-commerce needs, such as selling products, services, as well as downloadable
    soft products. PayTrace’s shopping cart has many features, including the ability to be branded with your
    company’s logo and color scheme, obtain real-time shipping rates, calculate state and county tax, and offer
    various discounts. The Product Shopping Cart can process transactions for all enabled payment methods
    (credit card, gift card, and e-check transactions).


    Product Catalog:
     • Link Your Web Site to a Searchable Product Catalog
     • Upload Pictures, Prices, and Descriptions
     • Connect to a Secure Hosted Payment Page
     • Perfect for Getting Started in E-Commerce
     • Reduces Development Time and Costs



                                                          Buy Buttons:
                                                            • Link Individual Products on Your Web Site
                                                              to a Secure Hosted Payment Page
                                                            • Numerous Pre-Designed “Buy” Buttons
                                                            • Provides Flexibility with the Confidence of
                                                              Secure Hosted Payment




    3rd Party Shopping Carts:
     • PayTrace is Also Integrated With
       Numerous 3rd Party Shopping Carts
     • For More Information, Please Refer to
       PayTrace Professional’s API Option




8
Payment/Donation Shopping Cart                                                        P   B



Your Pre-Integrate Online Payment/Donation Solution
Utilize the Payment Shopping Cart to allow your customers/donors to enter their own payment/donation
amount and billing information. Customer/donor entered payment information may be used to process a
real-time transaction and/or stored to process future repeat transactions. This functionality allows you to
process payments without ever seeing or touching the customer/donor’s sensitive data. In addition, fraud
prevention tools such as Address Verification System (AVS) and Card Security Code (CSC/CVV) are available
to help prevent fraudulent payments. The Payment/Donation Shopping Cart can process transactions for
all enabled payment methods (credit card, gift card, and e-check transactions).


Payment/Donation Buttons :           P   B

 • Link an Appeal for Donation or Request for Payment
   to a Secure Hosted Payment Page
 • Send an Email Requesting a Donation or Payment
   With a Link to Your Payment Page
 • Numerous Pre-Designed “Donation” and “Payment”
   Buttons




Optional Payment Features :          P

 • Allow Customers to Store Payment Information
 • Allow Customer to Process Repeat Payments
 • Allow Customers to Set-Up Recurring Payments
 • Add Custom Data Fields/Discretionary Data Elements




                                                                                                              9
 Application Program Interface (API)                                                         P



 Your Payment Gateway Integration Solution
 PayTrace’s Application Programmer’s Interface (API) is an option with PayTrace Professional that allows
 you to integrate the power of PayTrace’s Payment Gateway into proprietary or 3rd party software. Once
 integrated, your software application will be able to interact with PayTrace’s system to process real-time
 transactions, securely store customer payment data, and much more.


 API Highlights:
     • Process Credit Card, Gift Card, and E-Check Transactions
     • Process Level II and Level III Data
     • Store Customer Profiles
     • Process Recurring Payments
     • Receive Real-Time Shipping Quotes
     • Email Receipts
     • Email Invoices with Payment Links
     • Operating System and Platform Independent
     • Detailed Integration Guide Available
     • Integrations Samples Available in C++, PHP, VB, ASP, VB.NET,
       ColdFusion and Java
     • Test Account Available for Testing




 Secure Checkout:
 The API includes a secure hosted page that may be branded to look like your website. The hosted page
 is secured by PayTrace and may be used to collect your transaction and customer data. The Secure
 Checkout page may be configured to collect/require the fields of your choice, and it’s designed to
 communicate with your third party system in real-time. The Secure Checkout page is an integrated solution
 that gives your software the ability to process real-time payments without collecting, transmitting, storing,
 or even touching cardholder data.



                            For a list of integrated solutions, please visit:
                         https://paytrace.com/flyers/integratedsolutions.pdf



10
Mobile             P    B


Your Mobile Payment Processing Solution

PayTrace Mobile allows you to accept payments on any mobile device that has an internet connection and
a web browser, including PDAs and smartphones. PayTrace Mobile is similar to PayTrace’s Virtual Terminal,
except it’s designed to accommodate devices with slower connection speeds and smaller viewing screens.
PayTrace Mobile is available at no additional charge with all PayTrace accounts.


    Process A Transaction Anywhere:
      • Process Sales
      • Email Receipts
      • Store & Forward Transactions
      • Void Transactions
      • Refund Transactions
      • Capture Transactions
      • View Transaction Reports




                                               Added Value At No Additional Cost:
                                                • Mobile is Available With All PayTrace Accounts
                                                • Simply Login Through: https://paytrace.com/m
                                                • Utilize Your PayTrace Account Log-in Credentials
                                                • No Additional Charges for Using PayTrace Mobile




    Robust Security:
      • No Locally Stored Cardholder Data
      • SSL Encrypted Data Transmission
      • Data Stored in Redundant High-Security Data Centers
      • PCI DSS Certified
      • Multi-Factor Authentication Log-in


                                                                                                            11
 Customer Profile Storage                                            P



 Store Valuable Customer Data In A Secure Environment

 Concerned About Storing Sensitive Customer Data, Including Credit Card Information?
 You Should Be.
 Use PayTrace and store your customers’ profile information within
 our Payment Card Industry Data Security Standards (PCI DSS)
 Certified solution. No payment data is stored locally on your
 network, computer(s) or premises by PayTrace. All customer
 payment account numbers are encrypted as soon as they enter
 the PayTrace system. And, the data is stored in geographically
 remote and fully redundant high security data centers to ensure
 that it’s always available to you.



 Do You Want To Ask Your Customer For Their Payment Information Again,
 Or Would You Like To Have It Available At Your FingerTips?
                                            Store customer credit card and checking account numbers as
                                            part of your customers’ profile in order to quickly and effortlessly
                                            process payments. Storing payment information removes the
                                            burden of asking your customer for their payment information
                                            every time they make a purchase. It also provides you with
                                            confidence that you’ll receive payment for orders that have been
                                            placed with you.




 Who Is Most Valuable To Your Business? Your Customers.
 How Much Do You Know About Them?
 Want To Know More?
 Store your customers’ profile data and get to know them better.
 Have a record of their address for your next marketing campaign.
 Store their phone number so you can call when their order is going to
 arrive pleasantly early. Run reports on your customers’ buying habits.
 What zip codes do you effectively pull customers from? Is that new
 billboard you put up across town having an affect?




12                                                                                                                 12
Recurring & Repeat Payments                                                        P



Save Time With PayTrace’s Payment Options

                                    Do Your Customers Make Regular Payments For The
                                    Same Amount At The Same Interval?
                                    Use PayTrace’s Recurring Payment option to automate these transactions.
                                    Recurring Payments can also be created through the Product and
                                    Payment/Donation Shopping Carts as well as the API.


                                    Simply enter your customer’s billing information, then set-up a Recurring
                                    Payment by defining a dollar amount and the frequency of the transaction.
                                    Once a Recurring Payment has been created, it will process automatically.
                                    Recurring Payments can be reviewed, modified, and canceled at any
                                    time. Recurring Payments can also be created through the Product and
                                    Payment/Donation Shopping Carts and through the API.




Do You Have Regular Customers But Their Payment Amounts Or Intervals Vary?
Use PayTrace’s Repeat Payment features to quickly and efficiently process these transactions. Repeat
Payments can be made at any interval and for any amount. The key is that the payments are processed
using billing information that is stored in a customer profile. This will eliminate the need for you to repeatedly
collect payment information from your customers.

PayTrace’s Repeat Payments features are supported by the Virtual
Terminal, Product and Payment/Donation Shopping Carts, and the
API.

The Virtual Terminal allows you to process repeat payments for
individual customers or for multiple customers at one time.

The Product and Payment/Donation Shopping Carts allow customers
to save their payment information so that they may use the stored
information for future orders.

The API allows 3rd party applications to initiate payments with just
a customer identifier and the dollar amount, eliminating the need to
store sensitive billing information in the 3rd party application.




                                                                                                                     13
 E-Check/ACH Processing                                            P



 For A Complete Payment Solution
 You may add e-check/ACH processing to your PayTrace Professional account, enabling you to set-up
 authorized debits from a customer’s checking account. You can schedule debits for a one-time occurrence
 or for recurring payments. By incorporating e-check/ACH processing in the same solution as your credit
 card processing, you’ll gain efficiencies in record keeping, reporting, and payment processing. E-checks
 may also be accepted online via PayTrace’s Shopping Cart and API solutions


     Features                                 Benefits
     • Single E-Check/ACH Transaction         • Ability to Debit Business and Personal Checking Accounts
     • Recurring E-Check/ACH Transactions     • Recurring E-Check/ACH Transactions can be Initiated
                                                Automatically
     • B2B E-Check/ACH Transactions
                                              • Eliminates Banking Fees and Manual Paper Check Handling
     • Verification
                                                Costs
     • Online Reporting
                                              • NSF Items Resubmitted Automatically
     • Multiple Processing Methods
                                              • Gain Efficiency by Using One Application for All Payment
                                                Processing Needs




 Gift Card Management                                       P


 Increase Customer Loyalty By Using Gift Cards
 Add gift card processing to your PayTrace Professional account in order to offer something special to your
 customers while increasing loyalty. In addition, benefit from cash in-hand before the product/service is
 rendered. PayTrace makes accepting gift cards easy, and helps you consolidate functionality and reporting
 with all of your other payment methods.


     Features                               Benefits
     • Accept Gift Cards for Payment        • Consolidate Reporting and Record Keeping
     • Create Gift Cards                    • Increase Business Traffic
     • Add Value to Existing Gift Cards     • Drive Higher Customer Loyalty
     • Replace a Gift Card                  • Reward Your Customers
     • View the Balance on a Gift Card      • Increase Brand Recognition
     • Delete a Gift Card                   • Benefit from Cash Up-front



14
Business & Corporate Card Processing                                                                  P



Save Time And Money By Processing Level III Data Through PayTrace

Do You Currently Accept Payments From Other Businesses Or Government Agencies
Without Adding Level III Data?
If you do, you’re likely paying significantly higher processing rates than you should!

In most cases adding Level III (L3) Data through PayTrace will significantly reduce the fees that you pay for
processing Business-to-Business (B2B) and Business-to-Government (B2G) transactions. Since the benefit
is a reduced percentage rate, your savings increase with the size of your transactions.



What Is Level III Data?
L3 Data is additional information about a transaction which is commonly found on an invoice, such as: tax,
product/service description, etc. Visa® and MasterCard® generally assess higher interchange rates for B2B
and B2G transactions if L3 Data is not included with the transaction.


Why Should I Use PayTrace To Process Level III Data?
PayTrace is one of the only payment processing solutions certified to process L3 Data.

PayTrace’s proprietary solution identifies L3 transactions prior to prompting for additional information,
significantly reducing excessive data entry. In addition, PayTrace’s solution automatically calculates and
populates data for L3 transactions, further maximizing your efficiency.

In short, PayTrace is one of the few solutions that can process L3 Data, and we make the process as easy
for you as possible.



Which PayTrace Solutions Support Level III Data?
Merchants using PayTrace Professional are able to process L3 Data through any of the following methods:

                 • Virtual Terminal         • API
                 • Mobile                   • Recurring Payments
                 • Shopping Cart            • Batch Upload




                                                                                                                15
 Receipts, Reports, & More                                                 P       B


 Collect, Store, And Distribute Valuable Data

 Discretionary Data:         P

     • Add custom fields to your transaction pages to
       collect specific information determined by you.
     • Compile reports utilizing the information
       collected from your added custom fields.
     • Add custom fields to your Customer Profiles in
       order to enhance the shopping experience for
       each customer.
     • Control whether filling out the added custom
       fields is required or optional.
     • Include the custom field information on receipts
       if you choose.
                                                          Receipts:    P       B

                                                           • Email receipts to your customers.
                                                           • Print receipts on standard or receipt printers.
                                                           • Automatically print a receipt with each transaction
                                                             if you choose.
                                                           • Manually print additional receipts.
                                                           • Access to receipts for any transaction run in the
                                                             last 24 months.
                                                           • Automatically email receipts to recipients within
                                                             your business if you choose.
                                                           • Customizable receipt content.
 Reports:       P   B

     • View transactions for up to 24 months using convenient
       search functionality.
     • Create multiple custom reports that can be automatically
       emailed to the users you determine.
     • Conveniently manage which users will receive which
       reports.
     • Download reports to your computer for additional inference
       or back up. All of PayTrace’s reports may be downloaded
       to CSV spreadsheet file format.


16                                                                                                                 16
 Exceptional Customer Support                                                       P   B



 The Core Of Our Business
 We Support The Sales Process
     • We assist you in evaluating whether PayTrace is
       the right match for your needs.
     • We identity opportunities for cost savings and
       efficiency improvements.
     • We provide you with an overview of the PayTrace
       system, which helps you become comfortable with
       the system before you purchase anything.
     • We’re here to answer your questions, even if
       you’re not yet a PayTrace customer.


                                                      We Train New Customers
                                                       • We realize you will only be satisfied with PayTrace if
                                                         you know how to use the system.
                                                       • We ensure that you have adequate training to use
                                                         PayTrace successfully.
                                                       • We’ll train one person or a whole department at
                                                         once. We’ll even hold training in shifts to accommodate
                                                         your employees’ availability.
                                                       • In addition, we have multiple self-reference training
                                                         guides and videos strategically located throughout
                                                         the PayTrace system.


 We Build Lasting Relationships
     • We’re dedicated to helping you learn more and
       utilize more of the system as you go.
     • Give us a call or send us an email, and we’ll be
       happy to train you on additional functionality as your
       needs expand and evolve.
     • Let us know if there’s a facet of your business’
       needs that are not met by PayTrace. We’ll either
       provide a viable solution, or we’ll consider the
       enhancement for development.



17                                                                                                                 17
 Data Security & Fraud Reduction                                                         P   B



 Maximize Your Data Security By Using PayTrace


 Allow PayTrace to take the burden of storing sensitive customer data off of your shoulders by storing your
 data in our high security facilities. In addition, all customer payment account numbers are immediately
 encrypted upon entry in to the system and not viewable again in their complete unmasked form. PayTrace
 is Certified with the Payment Card Industry Data Security Standards (PCI DSS), giving you confidence that
 we’re a robust solution to your growing information security needs.

        • PayTrace’s data centers employ numerous security features, including:

             ➤ Fully redundant and geographically remote data centers to ensure your data is safe from
               catastrophe and available when you need it.
             ➤ 24/7 on-site staff monitoring physical and electronic network access.
             ➤ 24 hour video surveillance with a 60 day minimum retention policy.
             ➤ Three factor authentication required for access.
             ➤ Visitors are escorted by authorized personnel at all times.
             ➤ Built to be resistant to explosions, and other penetration threats.

        • PayTrace has been PCI DDS Certified since 2005, and completes an on-site physical audit
          annually in order to maintain it’s PCI Certification. To learn more about PCI Certification, please
          visit: https://www.pcisecuritystandards.org/




 Create as many log-in profiles as you need and grant each user permissions on a need-to-know basis.
 Additionally, make sure only the proper people are accessing your data with multi-factor authentication log-ins.
 You may further lock down access by creating Internet Protocol (IP) Address rules to limit access to one or
 more computers. You may also track transactions within the software by user, allowing effortless follow-up
 when needed.

 Utilize one of PayTrace’s Shopping Carts or the API Secure Checkout to allow your customers to enter
 their own payment information. Customer entered payment information may be used to process a real-time
 transaction and/or stored to process future repeat transactions. This functionality allows your staff to process
 payments without ever seeing or touching the customer’s sensitive data. In addition, fraud prevention tools
 such as Address Verification System (AVS) and Card Security Code (CSC/CVV) are available to help prevent
 fraudulent payments.




18                                                                                                                  18
Recommended Hardware                                                P   B


For Your Point Of Sale Processing Needs
PayTrace is compatible with many card readers and receipt printers. These peripherals enable your
PayTrace account to take the place of outdated point of sale solutions, allowing you to fully benefit from the
increased security, cost savings, and robust functionality available through PayTrace.
Supported Card Readers:
       • MagTek Mini USB Keyboard Emulation
           o White: Part Number 21040107
           o Black: Part Number 21040108
       • MagTek Sure Swipe USB Keyboard Emulation
           o White: Part Number 21040147
           o Black: Part Number 21040145
       • MagTek Mini Wedge
           o White: Part Number 21080203
           o Black: Part Number 21080204
       • MagTek Dynamag USB Keyboard Emulation
           o Part Number 21073062 - Set at Security Level 2

Compatible Card Readers:
  PayTrace is compatible with most card reading solutions that are able to send swiped card data to the
  computer as though the data was entered through a keyboard device. This technology or format is generally
  referred to as Keyboard Emulation, and this generally also includes card readers that are integrated with
  actual keyboards. However, PayTrace is only able to support configuration questions regarding the above
  listed card readers.

Supported Receipt Printers:
       • For Computers With a USB Port
             o Star TSP100
       • For Computers With a 9-Pin Serial Port
             o Verifone P250
             o Verifone P900
             o ngenico Scribe 612
Compatible Receipt Printers:
  PayTrace is compatible with any printer that can be installed and configured with Microsoft Windows™,
  including 3-4˝ wide receipt printers and standard letter sized printers. However, PayTrace is only able
  to support configuration questions regarding the above listed receipt printers.
  Many receipt printers connect to computers using a 9-Pin Serial port that is not commonly included
  on newer computers. Serial to USB converters can be purchased to allow these printers to connect
  to newer computers. Unfortunately, PayTrace has found USB to Serial converters to be unreliable.
  Therefore, PayTrace does not recommend or support this type of configuration.


                                                                                                                 19
                                                                                                                                      B P




                                                                                                                                             Professional
                                                                                                                                     Basic
 General Software Features
    Web‐based payment processing software accessible via any internet enabled browser.                                                S          S
    Creation of an unlimited number of unique user logins.                                                                                       S
    Creation of up to three unique user logins.                                                                                       S
    Compatible with most keyboard emulation card reading solution.  Please see the recommended hardware page for more information.    S          S
    Compatible with most receipt printers. Please see the recommended hardware page for more information.                             S          S
    Ability to link multiple PayTrace accounts together.                                                                                         S
    Customizable interface enabling you to upload your own logo and color scheme.                                                     S          S
 Data Security & Fraud Reduction Features
    No payment data is stored locally on your network, computer(s) or premises by PayTrace.                                           S S
    SSL encryption ensures all data is secure during transit.                                                                         S S
    Data stored in redundant high‐security data facilities.                                                                           S S
    PCI DSS Certified as a Level 1 Service Provider annually since 2005.                                                              S S
    Multi‐factor authentication log‐in process to ensure only authenticated users may access your account.                            S S
    Customizable user permissions allow you to control which users can perform various operations.                                    S S
    Definable time threshold before inactive sessions "time‐out."                                                                     S S
    Ability to monitor unsuccessful log‐in attempts.                                                                                  S S
    Ability to allow or deny access from specific IP addresses.                                                                         S
    Limit duplicate transactions within a definable period of time.                                                                   S S
    Require certain information (such as billing address, CSC/CVV, etc) be entered in order to process a transaction.                 S S
    Ability to auto‐void transactions that don't receive the expected CSC and/or address verification responses.                      S S
    Pre‐integrated payment/donation shopping cart.                                                                                    S O
 Customer Support
    A commitment to exceed your customer service expectations.                                                                        S          S
    24 hour a day, 7 day a week email support.                                                                                        S          S
    Telephone support during extended business hours.                                                                                 S          S
    Training videos to assist with common training needs.                                                                             S          S
    A users' forum addressing many FAQ's: http://PayTrace.net.                                                                        S          S
 Credit Card Processing
    Process credit card transactions for Visa, MasterCard, Discover, American Express, Diner's Club, and JCB.                         S          S
    Swipe credit card transactions through a compatible card reader.                                                                  S          S
    Key/manually enter credit card transactions.                                                                                      S          S
    Process credit card transactions using information from stored customer profiles.                                                            S
    Process multiple credit card transactions at once using information from multiple stored customer profiles.                                  S
    Store credit card transactions to be processed on a specified date or through manual submission at a later time.                  S          S
    Void credit card transactions.                                                                                                    S          S
    Refund credit card transactions.                                                                                                  S          S
    Partially refund credit card transactions.                                                                                        S          S
    Capture and modify credit card transactions before settlement.                                                                    S          S
    Customizable default data fields for credit card transactions.                                                                    S          S
    Add custom data fields (discretionary data elements) to transactions for reporting purposes.                                                 S
    Manually settle credit card transactions.                                                                                                    S
    Automatic settlement of credit card transactions on a daily basis.                                                                S          S
    Ability to choose the time at which credit card auto‐settlement occurs.                                                                      S
 Business, Corporate, & Purchasing Card Processing
    Process Level II Data needed to qualify some business and corporate cards at the lowest possible rates.                           S          S
    Process Level III Data needed to qualify most business, corporate, and purchasing cards at the lowest possible rates.                        S
 Mobile Application
    Mobile application that is accessible from your web‐enabled hand‐held device, including your iPhone™, Blackberry™, etc.           S          S
    Complete processing, managing, and reporting functionality for all enabled payment types.                                         S          S
    Create and manage customer profiles.                                                                                                         S
 Receipts & Reports
    View complete transaction details and receipts for up to 24 months (2 years) using convenient search functionality.               S          S
    Download CSV/spreadsheet reports to your computer for additional inference or back up.                                            S          S
    Email receipts to your customers, bookkeepers, etc.                                                                               S          S
    Print receipts on standard office and receipt printers.  Please see the recommended hardware page for more information.           S          S
    Automatically print a receipt with each transaction, if you choose.                                                               S          S
    Customize receipt header and footer content.                                                                                      S          S
    Automatically distribute custom reports via email.                                                                                S          S
    Create up to fifteen custom reports.                                                                                                         S
    Create up to three custom reports.                                                                                                S
    Add custom data fields (discretionary data elements) to transactions for reporting purposes.                                                 S
    Store cash and check transactions in your PayTrace account for reporting purposes.                                                S          S
 Customer Profile Storage
    Securely store valuable customer data, including payment information, for up to 5000 customers.                                             S
    Purchase additional customer profile data storage if needed.                                                                                O
    Store credit and check card, gift card, and/or checking account information for each customer.                                              S
    Email notification when a customer profile's credit card is close to expiring.                                                              S
    Add and store additional information fields (discretionary data elements) within the customer profile.                                      S
    Import and export customer profile data.  (Only truncated payment information is available for export from the system.)                     S
                                                                          S = Standard     O = Optional



20
                                                                                                                                          B          P




                                                                                                                                                  Professional
                                                                                                                                          Basic
Pre‐Integrated Product Shopping Cart
    Link your web site to a PayTrace hosted searchable product catalog or place buy‐buttons next to products on your web site.                       O
    Process transactions for all enabled payment methods (credit card, gift card, and e‐check transactions).                                         O
    Create, manage, import and export product profiles in the product catalog.                                                                       O
    Upload product images to the product catalog for display in the product catalog, during checkout, and on receipts.                               O
    Product catalog can accommodate downloadable electronic products and registration codes.                                                         O
    Customizable PayTrace hosted checkout interface enabling you to upload your own logo, background image, and color scheme.                        O
    Calculate and include shipping costs in real‐time as quoted from most major shipping providers.                                                  O
    Recoup sales tax based on shipping state and county.                                                                                             O
    Definable additional data fields (discretionary data elements) to be filled out by the customer upon checkout.                                   O
    Email confirmation receipts, including inventory status, for each approved order.                                                                O
    Allow customers to store their payment information for future access.                                                                            O
    Authentication text functionality available to help prevent fraudulent transactions.                                                             O
    Ability to deny transactions from select countries.                                                                                              O
    Track shopping cart usage by customers over time.                                                                                                O
    Create and manage coupon codes for use through the shopping cart.                                                                                O
    Create threshold discounts for use through the shopping cart.                                                                                    O
    Track and manage product inventory.                                                                                                              O
Pre‐Integrated Payment/Donation Shopping Cart
    Accept online payments/donations of a customer/donor determined amount.                                                                S O
    Process transactions for all enabled payment methods (credit card, gift card, and e‐check transactions).                                 O
    Create an HTML link/button to the shopping cart for placement your web site.                                                           S O
    Send a customizable email with a request for payment/appeal for donation.                                                              S O
    Customizable PayTrace hosted interface enabling you to upload your own logo, background image, and color scheme.                       S O
    Allow customers to set‐up recurring payments/donations.                                                                                  O
    Definable additional data fields (discretionary data elements) to be filled out by the customer upon checkout.                           O
    Allow customers to store their payment/donation information for future access.                                                           O
    Authentication text functionality available to help prevent fraudulent transactions.                                                   S O
    Track shopping cart usage by customers/donors over time.                                                                               S O
Application Programming Interface (API)
    Web service based software integration module allows third party software to interface with PayTrace.                                            O
    Process transactions for all enabled payment methods (credit card, gift card, and e‐check transactions).                                         O
    Ability to process transactions, email receipts, manage customers, calculate shipping, and manage recurring payments.                            O
    Utilize the Secure Checkout feature to eliminate the need for third party software to handle any payment data.                                   O
    No software installation or registration is required on the computer(s) running  third party software.                                           O
    Run on any operating system that supports web service, including Linux™, Unix™, and Windows™.                                                    O
    API Error Log tracks real‐time errors generated through the API in order to allow for easy de‐bugging and troubleshooting.                       O
    Code samples and a detailed integration guide are available to ease the integration process for developers.                                      O
    API test account available for testing purposes.                                                                                                 O
E‐Check/ACH Processing
    Process e‐check transactions directly to/from your customer's checking account.                                                                  O
    Key/manually enter e‐check transactions.                                                                                                         O
    Process e‐check transactions using information from stored customer profiles.                                                                    O
    Process multiple e‐check transactions at once using information from multiple stored customer profiles.                                          O
    Process recurring e‐check transactions with the addition of the PayTrace Recurring Payment module.                                               O
    Process e‐check transactions online through one of the PayTrace Shopping Cart options.                                                           O
    Process e‐check transactions through the PayTrace API options.                                                                                   O
    Refund/credit e‐check transactions.                                                                                                              O
    Partially refund/credit e‐check transactions.                                                                                                    O
    Customizable default data fields for e‐check transactions.                                                                                       O
    Add custom data fields (discretionary data elements) to e‐check transactions for reporting purposes.                                             O
    Automatic e‐check transaction settlement on a daily basis.                                                                                       O
Gift Card Processing
    Process stored value transactions through supported gift card processing networks.                                                               O
    Accept gift cards for payment via all enabled processing solutions including Virtual Terminal, Mobile, Shopping Carts, and API.                  O
    Create gift cards.                                                                                                                               O
    Add value to existing gift cards.                                                                                                                O
    Replace a gift card.                                                                                                                             O
    View the balance on a gift card.                                                                                                                 O
    Delete a gift card.                                                                                                                              O
Recurring Payment
    Create recurring payments that will be processed automatically on an annual, quarterly, monthly, bi‐weekly, weekly, or daily basis.              O
    Automatically email receipts to internal employees and customers when recurring payments have been processed.                                    O
    Specify a start date, number of processing occurrences, and transaction amount for each recurring payment.                                       O
    Specify the number of times the recurring payment will be processed.                                                                             O
    Modify a recurring payment that has already been initiated.                                                                                      O
Batch Uploading
    Upload credit card transactions from external files in comma separated value (CSV) format for real‐time processing.                              O
                                                                           S = Standard     O = Optional



                                                                                                                                                      21
                                                                   100311




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               The Secure Advantage




                 The secure advantage.
https://PayTrace.com   |   Sales@PayTrace.com   |   360.326.8162

				
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