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CONSOLIDATED BANKING RELATIONSHIPS Includes tokenization, processing, fraud and chargeback management, indemnification, reporting, analytics. LIVE AGENT WEB IVR MOBILE APP SMS OVERVIEW: vAdvanced tm payments offers online merchants with multi-channel operations an entirely new solution to eliminating the risk of Card-Not-Present (CNP) tran- sactions. By adding a flexible feature set to the proven revenue-generating performance of our vGuaranteed™ payments solution, vAdvanced delivers the industry’s only single-point payment service with complete protection from fraudulent transactions. vAdvanced provides a fully integrated solution that opti- mizes the consumer experience across multiple payment channels. Merchants can add IVR, web, mobile app, live agent, and text-to-pay/SMS channel options. The secure, low-friction ordering/payment experience is enhanced by a number of account self-management choices such as support for multiple payment devices on file (PDOFs) and the ability to set up and manage reoccurring payments. KEY FEATURES: PAYMENTS • Industry’s lowest false-positive ratio increases order acceptance and conversion • Pricing (varies with channel configuration) includes processing, tokenization, gateway, network fees, and fraud services • No decline fees, chargebacks, fines or any other fees • 100% guaranteed funds for accepted transactions increases revenue KEY FEATURES: OPERATIONS • Eliminates complexity of multi-channel integration, expense, and management of PCI and Reg E compliance issues • Transparent, fully integrated solution across multiple payment channels reduces regulatory compliance burdens • Scalable support options: IVR, web, mobile app, live agent, and text-to-pay/SMS • Live agent support for enhanced customer experience increases loyalty and retention • Available as a managed service with full PCI Level 1 compliance REAL-TIME PROTECTION: Vesta’s industry leading vSafe™ payments platform provides merchants with a new, proven alternative to time-consuming in-house fraud operations or limited third-party services. vSafe’s proprietary fraud technology combines a rich, multi-layered feature set with teams of data scientists and analysts who continually monitor threats and tune the platform’s performance in real-time. This robust CNP solution enables Vesta to recognize fraud as it happens, not after it has occurred. Driving Revenue with Cross-Channel Fraud Protection

vAdvanced™ Payments Solution

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Page 1: vAdvanced™ Payments Solution

CONSOLIDATED BANKING RELATIONSHIPS

Includes tokenization, processing, fraud and chargeback management, indemnification, reporting, analytics.

LIVEAGENT WEB IVR MOBILE APP SMS

OVERVIEW:vAdvancedtm payments offers online merchants with

multi-channel operations an entirely new solution to

eliminating the risk of Card-Not-Present (CNP) tran-

sactions. By adding a flexible feature set to the proven

revenue-generating performance of our vGuaranteed™

payments solution, vAdvanced delivers the industry’s only

single-point payment service with complete protection

from fraudulent transactions.

vAdvanced provides a fully integrated solution that opti-

mizes the consumer experience across multiple payment

channels. Merchants can add IVR, web, mobile app, live

agent, and text-to-pay/SMS channel options. The secure,

low-friction ordering/payment experience is enhanced by

a number of account self-management choices such as

support for multiple payment devices on file (PDOFs) and

the ability to set up and manage reoccurring payments.

KEY FEATURES: PAYMENTS• Industry’s lowest false-positive ratio increases order acceptance and conversion• Pricing (varies with channel configuration) includes processing, tokenization, gateway,

network fees, and fraud services• No decline fees, chargebacks, fines or any other fees

• 100% guaranteed funds for accepted transactions increases revenue

KEY FEATURES: OPERATIONS• Eliminates complexity of multi-channel integration, expense, and management of PCI

and Reg E compliance issues • Transparent, fully integrated solution across multiple payment channels reduces

regulatory compliance burdens• Scalable support options: IVR, web, mobile app, live agent, and text-to-pay/SMS• Live agent support for enhanced customer experience increases loyalty and retention• Available as a managed service with full PCI Level 1 compliance

REAL-TIME PROTECTION:Vesta’s industry leading vSafe™ payments platform provides merchants with a new, proven alternative to time-consuming in-house fraud operations or limited third-party services. vSafe’s proprietary fraud technology combines a rich, multi-layered feature set with teams of data scientists and analysts who continually monitor threats and tune the platform’s performance in real-time. This robust CNP solution enables Vesta to recognize fraud as it happens, not after it has occurred.

Driving Revenue with Cross-Channel Fraud Protection

Page 2: vAdvanced™ Payments Solution

Revenue-Generating Solutions Proven by the World’s Largest and Most Demanding Brands.

4400 Alexander DriveAlpharetta, GA 30022-3753 USATel: +1 678.222.7200Fax: +1 [email protected]

11950 SW Garden PlacePortland, OR 97223-8248 USATel: +1 503.790.2500Fax: +1 [email protected]

Av. Américas 1536 1ACol. Country ClubC.P. 44637Jalisco, MéxicoTel: +52 (55) 3859-7032 [email protected]

Finnabair Business ParkDundalk, County LouthRepublic of IrelandTel: +353 (0)42 939 4600Fax: +353 (0)42 939 [email protected]

No. 6 Ji Qing Li Road, Unit B603Chaoyang District, Beijing 100020 P.R. ChinaTel: +86 10 [email protected]

TRUST VESTA: Vesta Corporation is the global leader of revenue-generating payment solutions for enterprise partners. The company’s patented fraud protection technology is proven to increase conversion and acceptance while eliminating fraudulent transactions and merchant liability. Founded in 1995 and headquartered in Atlanta, GA, Vesta’s operations span the Americas, Europe and Asia.

To learn how you can increase revenue today, call us at 888.278.3207 or email [email protected].

FEATURES

Payments guaranteed, fraud eliminated

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Real-time payment decisioning l l lPCI Level 1 v 3.0 certified l l lEncrypted protection of all data l l lWeb channel hosting & management l l lIVR channel hosted managed service l l lMobile app channel hosting & management l l

Mobile web channel hosting & management l l

CSR channel hosting & management l l

Channel performance optimization l lRetail POS channel hosting & management l

Omni-channel view of customer payments l

Universal tokenization: all payments, all channels

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Reporting: 360D view of customer l