vantiv ecommerce payments

Products & Services

Vantiv eCommerce Payments

2 | Vantiv eCommerce Payments Products & Services | 3

The Vantiv DifferenceAs a leading authority in payment processing, Vantiv offers intelligent

solutions that help contain costs, generate revenue and manage risk.

Our clients are industry leaders in digital commerce, representing various

market segments including Internet retail, online services, multi-channel

retail, direct response, nonprofit organizations, membership associations,

publishing, utilities and insurance, among others.

Our full suite of payment processing solutions for eCommerce delivers

efficient core payment processing and a robust set of value-added services

that help you drive lasting and profitable customer relationships.

Table of Contents

Vantiv eCommerce Payments 4

Value-Added Services 6

Revenue Growth Services 6

Fraud & Data Security Services 7

Knowledge Services 9


• MerchantServices: We employ an ultra-responsive and consultative approach to understanding merchants’ businesses and using payments to drive operational efficiency and revenue improvement.

- TechnicalSupport:Our first line support team assists with technical processing issues 24x7x365. An online chat option is available for real-time “in-context” consultation.

- ChargebackAnalysis: A dedicated team assists merchants’ chargeback personnel by analyzing factors and facilitating dispute management and chargeback loss recovery.

- StrategicBusinessReviews:Accomplished Customer Experience Managers present detailed analysis of merchants’ transaction processing history and identify opportunities for efficiency gains and revenue growth.

• On-boarding/Implementation: Technically-savvy consultants guide merchants through certification, testing and service configuration to ensure a smooth and expeditious on-boarding process.

• InternationalCurrencyAcceptance:Foreign currency presentment and multi-currency settlement options enable merchants to drive revenue growth by expanding their reach outside the U.S. domestic market.

• PlatformReliability: Vantiv’s eCommerce platform is built on a highly available, fault tolerant architecture and uses two fully redundant, geographically remote data centers to ensure service continuity.

Vantiv eCommerce Payments

Vantiv eCommerce Payments delivers innovative payment acceptance and processing for card-not-present transactions. Through our easy capture and handling system, we offer payments acceptance for all major card brands plus alternative payment options. Unlike other eCommerce payment acceptance solutions, Vantiv also offers a robust set of value-added services that help you control costs, increase revenue and mitigate risks.

Our solutions also help secure and protect your cardholder data, which allows you to capture more business from your customers by retrying unsuccessful authorizations attempts and by using the most current card information and sophisticated retry logic to maximize payment continuity. With our extensive, on-demand reporting and analytics, you get the knowledge you need to help grow your business faster.

Vantiv eCommerce Payments is your best choice for turning payments into your strategic, competitive advantage.

WhatWeOfferYou

• AcceptBroadPaymentTypesandCardBrands:

- Payment Types: Credit, Debit and Prepaid - Card Brands: Visa, MasterCard, Discover and AMEX - Alternative Payments: eCheck/ACH, PayPal and PayPal Credit

• Reporting:Vantiv iQ is a web-based analysis interface that provides a view into all critical payment functions, including reconciliation, chargeback management and strategic decision support.


Fraud&DataSecurityServices

Combating fraud, managing fraud-related chargebacks and securing cardholder information are all critical concerns in digital commerce. We offer the following solutions that can help your business proactively address these issues.

VantivFraudToolkit

Fraud Toolkit is designed to address existing and emerging fraudster attack vectors using the following techniques:

• BasicFraudTools use payment card attributes to detect fraud; they include a set of filters and a configurable rules engine. You can also identify atypical purchase behavior, payment card reputation and specific card characteristics.

• AdvancedFraudTools complete a 3-D view of fraud detection using these three techniques:

- DeviceFingerprinting Through our partnership with ThreatMetrix™, our device- profiling technology gathers more than 260 device attributes from every user interaction. This enables our fraud-scoring engine to detect anomalies common to fraud. It also tracks the unique fingerprint and reputation of each device it encounters.

- IPProxyPiercing Fraudsters often try to conceal their true origins by routing their browsing through an IP proxy or VPN. This makes it hard to distinguish good-faith visitors from those cloaking their identities. IP proxy piercing technology exposes the true IP address of every transaction.

- IPGeolocation Determining each transaction’s precise origin is an essential part of fraud detection. IP geolocation combines with IP proxy piercing to identify the customer’s true location.

Value-AddedServices

RevenueGrowthServices

Revenue solutions are designed to help grow your business by streamlining recurring billing, minimizing payment interruptions and providing insight into customer behavior. Our Revenue solutions include:

VantivRecovery

Recovery combines Account Updating and Authorization Recycling to help recover initial authorization declines and boost the revenue potential of recurring and card-on-file payments.

• AccountUpdating:Lets you bill using the original account information obtained from the cardholder. Our fully managed service then automatically checks with Visa®, MasterCard® and Discover® and applies account changes seamlessly.

• AuthorizationRecycling: Initiates authorization retries following a transaction-specific, optimized pattern until it either obtains an approval or exhausts its attempts.

VantivRecurringEngine

Recurring Engine manages your recurring billing program while providing the flexibility to test different scenarios, facilitating targeted upsell campaigns and customer retention efforts.

VantivInsights

Insights provide supplemental data on your customers’ buying behavior. Delivered in real time upon card authorization or in daily batches, Insights can help you acquire, retain and upsell to your most valuable customers.


KnowledgeServices

Vantiv iQ

On-demand, web-based transactional and financial reporting and analysis interface that provides business insights for streamlining costs, improving operational efficiency, managing risk and enhancing revenue.*

* Additional cost is required for more than two users.

To learn more about Vantiv eCommerce Payments and the value they can deliver for you and your business, call 1-800-548-5326, Option 2.

VantivTokenization

Tokenization lets you remove sensitive account information from your systems, helping reduce the liability you face when accepting digital payments. Our Tokenization solutions include:

• Vault allows you to substitute credit, debit, prepaid or checking account numbers stored on your system with a string of numbers known as a token. We store the cardholder information securely and access it only when you submit a transaction using the supplied token.

• PayPage extends the protection of Vault to the cardholder’s browser, eliminating account numbers from ever entering your systems.

VantivFraudChargebackPreventionService

Daily compilation of issuer-confirmed fraudulent transactions that allows you to refund legitimate cardholders and helps prevent transactions from becoming risky and costly chargebacks.

vantiv ecommerce payments

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