OFFER CHOICE

MAXIMIZE SALES

MINIMIZE RISK

Best-in-class check and ACH payment solutions to grow

your business.

Today, it's all about connected commerce. Consumers demand

payment options that work with how they access, move and use

their money. Payments are no longer about the transaction; they

are about delivering a seamless digital customer experience.

MORE CHOICEMake every sale possible by giving customers payment options.

MORE PROFITReduce processing costs by driving customers to a lower-cost and secure payment type.

MORE CONFIDENCE Lower fraud risk. TeleCheck evaluates each transaction using leading risk assessment technology and the largest database of consumer bank accounts in the industry.

MORE INNOVATION Increase repeat business and loyalty by rewarding customers for paying with their bank account via ACH.

MORE PROTECTION Guard against bad-check losses on approved checks with optional warranty service that transfers fraud responsibility to TeleCheck.

CHECK AND ACH PAYMENT

SOLUTIONS FOR A

CONNECTED WORLD

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Take Checks with Confidence

Electronic Check Acceptance® > Converts paper checks into electronic items at point-of-sale

> Limits check-handling time and costs, and streamlines back-office processes

Internet Check Acceptance® > Close online sales immediately: transactions that are

approved by 4:00 pm are funded on the next business day

> Use for making online purchases, reloading prepaid cards, or making recurring payments

Mobile Check Acceptance® > Process checks on-the-go, using your smartphone or tablet

> Eliminates trips to the bank; reduces risk of “lost” checks

TeleCheck Solutions> Increase sales by offering payment choice

> Lower costs: smaller transaction fees than with a card

> Get paid faster: approved checks paid within two business days

> Reduce risk from bad-check losses, with warranty service protection1

Electronic Check AcceptanceAny Size Business

Industry's largest database of consumer bank accounts with history on over 98% of our clients' customers = more approvals, fewer declines.298%

2 TeleCheck risk management analysis, 2016. 1 Subject to meeting standard warranty requirements.

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Doing business in-store? > Clover Check Acceptance In-Person lets you

securely process checks at point-of-sale.

Doing business online? > With Clover Check Acceptance Online, your customers

can make online purchases and recurring payments, or even reload a prepaid card.

Doing business on the go? > Clover Check Acceptance Mobile means you can

use your smartphone or tablet to process checks anywhere, anytime.

Electronic Check Acceptance with Clover®

Clover Check Acceptance Solutions> Make every sale possible by accepting checks

> Process checks electronically and securely from your Clover device

> Receive transaction approval or decline in seconds from TeleCheck

> Approved checks paid quickly; within two business days, guaranteed with warranty protection**

Percentage of U.S. consumers with a bank account.390%

Clover Check Acceptance Small & Mid-Sized Businesses

3 Sources: US Census Bureau: The Nilson Report; ProQuest via Statista and 2015 FDIC

National Survey of Unbanked and Underbanked Households.** Subject to meeting standard warranty.

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ConnectPay SolutionsConnectPay enables customers to pay from their bank accounts via ACH while keeping their information securely on file for repeat purchases. ConnectPay can easily be added to your loyalty program so you can reward your customers for paying with this lower-cost payment type.

Card on File…Meet ACH on File

ConnectPayACH Payment Solutions Large & Mid-Sized Businesses

Savings, on average, seen from clients on ConnectPay transactions vs. card transactions.430%

Flexible> Easy to integrate with current payment strategy; simple APIs > Quick customer enrollment using bank login information

Economical> Freedom from costly interchange fees> Guarantee solution removes burden of chargebacks**

Engaging> Complements any loyalty program> Drives additional sales with faster checkout

Secure> No handling of sensitive customer data> Information stored and protected by First Data

** Subject to meeting standard warranty.

4 Based on First Data transaction data, results may vary.

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Customer selects their bankSIMPLE & SECURE

CUSTOMER ENROLLMENT

IN SECONDS*

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* Instant enrollment and validation are available to over 90% of bank accounts that

have online banking enabled. Some consumers may have to manually enroll for

ConnectPay. Enrollment is subject to completion of the TeleCheck screening process.

Manual enrollment and validation can take from 1 to 3 business days.

Enters bank login information

Selects the account to enroll

Reviews enrollment information

Enrollment complete

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WORKS ACROSS

ALL CHANNELS SO YOUR

CUSTOMERS CAN PAY HOW THEY

WANT, WHEN THEY WANT

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At point-of-sale, online, via mobile app or at the pump, ConnectPay accesses your customers’ bank account information through a loyalty card, a key fob, an app or even a phone number, and processes the ACH payment.

In-Store/POS Links customer bank account

information to a physical access device (e.g., loyalty card, key fob)

or by keying in a personal identifier (e.g., phone number) for faster,

frictionless checkout.

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In-App/MobileOffers customers a variety

of secure payment options, from loading funds on a

prepaid account to paying for a car service.

eCommerce/OnlineAllows customers to save

bank account information on websites, reducing shopping

cart abandonment and card-not-present fraud risk.

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RecurringAllows customers to manage

recurring and bill payments online or via mobile, delivering a better and

seamless payment experience.

At the PumpEnables customer payment via a mobile app or physical

access device, to avoid pre-authorization fund holds.

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Barry C. McCarthy

Executive Vice President

Network and Security Solutions

First Data

TeleCheck has adapted to the new ways consumers

want to pay in today’s cashless, mobile society.

We do more than help you accept checks with

confidence; we provide best-in-class digital solutions

that allow your customers to pay how they want,

where and when they want. Enabling payment

choice backed by First Data industry-leading security

and expertise, TeleCheck helps you stay competitive

and relevant in the age of connected commerce.

Ready to transform your payments strategy?Visit firstdata.com/connectpay for more information.

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