vesta corporation v-guaranteed payments solution

This document contains confidential and proprietary information of Vesta Corporation. Recipient’s (i) reproduction or use for any purpose other than business discussions between the parties and/or (ii) disclosure to any third party through any means are prohibited without the express written consent of Vesta Corporation.

Vesta Corporation: E-Commerce Solution Overview

Presented to

2

Vesta Corporation / Proprietary and Confidential Slide 2

INNOVATIVE: Vesta Corporation is the industry leader of card-not-present (CNP) payment solutions for the world’s biggest brands. STABLE: The company began in 1995 as a pioneer in developing large-scale prepaid programs for the telco industry. Today, we support CNP e-commerce payments for telco, digital, media, and financial customers in both high-risk and mainstream markets.PROVEN: We have guaranteed over 1B CNP transactions to date and processed over $10B in 2015.

About Us800+ employees support hundreds of merchants in the Americas, Europe and Asia

DUNDALK, IRELAND

ALPHARETTA, GEORGIA

PORTLAND, OREGON

3


Our Solution

• Zero fraud, chargebacks and liabilities • Single-source, integrated processing and risk management

solution• Patented fraud and risk management technology recognizes fraud

as it happens

Guaranteed payments enable a steady, predictable revenue stream

E-Commerce Telco E-Tickets Streaming Media

Digital Downloads Online Gaming Digital Gift Cards Cable/Utilities

Differentiated, Value-Add Capabilities Across Multiple Verticals

4


Supporting E-Commerce Around the Globe

http://www.chinatelecom-h.com/eng/global/home.htm



5

Vesta Corporation / Proprietary and Confidential Slide 5Slide 5Vesta Corporation / Proprietary and Confidential

Introducing Guaranteed PaymentsPowered by Vesta’s proprietary vSafe™ payments platform, consumer databases, and analytics capabilities

Increases Acceptance

Rates

Eliminates

Fraud

Lowers Operational Costs

6


Eliminates Fraud

The result: Zero fraud. Zero chargebacks. Zero fines and fees.

Vesta’s patented, hybrid risk management system utilizes real-time data and people to recognize and stop fraud as it happens. Leveraging advanced modeling, patented technologies, and proprietary big data analytics, Vesta’s dedicated fraud scientists continually monitor fraud patterns and trends across clients and industries.

MULTI-LAYER FRAUD

PROTECTION ALLOWS VESTA TO GUARANTEE FUNDS FOR ALL

ACCEPTED TRANSACTIONS IN REAL TIME.

7


Increases Acceptance Rates

Case Study:DIGITAL STREAMING MERCHANT

Acceptance Rate 40% 70%Estimated Annual Gross Revenue* $47,520,000 $83,160,000

Cost per Transaction 6.25% 5%

Savings $596,160

Net Revenue $44,547,840 $79,002,000

Instead of tightening acceptance parameters to lower fraud, Vesta continually monitors and reviews transactions to maximize the number of “good” transactions.

*Based on average ticket of $99

Real Time.Frictionless.Guaranteed.

SINCE WE ARE ONLY

PAID ON APPROVED

TRANSACTIONS, WE ARE FISCALLY

ALIGNED WITH OUR CUSTOMERS.

8


Lowers Operational Costs

Unlike complex multi-vendor solutions, Vesta offers a comprehensive “one-stop shop” alternative for merchants. vGuaranteed removes the need to manage multiple vendor and processing relationships, disparate payment platforms, fraud tools and teams, and engineering resources. A NATIONAL SURVEY OF 500 MERCHANTS REVEALED 13-20% OF TOTAL OPERATIONAL BUDGETS GOES TO FRAUD MANAGEMENT. *Javelin Research, 2015:

“The Impact of Fraud and Chargeback Management on Operations”

Integrated.Efficient.Scalable.

VESTA’S TURNKEY PAYMENTS AND

RISK MANAGEMENT SOLUTION IS

BUILT TO SCALE AS YOUR BUSINESS GROWS.

9


Vesta: Single-Source, Complete Solution Provider

Multiple vendors; disparate technologies

Higher risk, lower acceptance, reduced revenue

100% responsible for chargebacks, fines and related fees

Internal management of payments, fraud tools, multiple teams

Increased overhead, reduced efficiencies

Multi-Vendor Solution

Single-source provider of integrated payment processing and risk management solution

Zero fraud, increased acceptance, guaranteed funds

No chargebacks, fines or fees enable predictable revenue stream

Unlimited scalability: built to support business growth and market needs

Lowers operational overhead, increases revenue

vGuaranteed Solution

COMPREHENSIVE COMPLEX

10


• The established global leader in providing guaranteed payments

• Increases acceptance, conversion, and revenue; eliminates all chargebacks, fines, and fees

• Patented fraud technology that recognizes fraud as it happens, not after it occurs

• Decades of experience supporting the world’s largest brands by guaranteeing payments with zero fraud in real time

Looking for e-commerce payments innovation — Trust Vesta.

Vesta: Eliminating Fraud, Increasing Revenue

Corporate OfficesAMERICAS4400 Alexander DriveAlpharetta, GA 30022 USATel: 678.222.7200

11950 SW Garden PlacePortland, OR 97223 USATel: 503.790.2500

Av. Américas 1536 1ACol. Country ClubC.P. 44637Jalisco, Mé[email protected]

EUROPEVesta BuildingFinnabair Business ParkDundalkCo. LouthIreland A91 E934Tel: +353 (0)42 939 [email protected]

CHINAPeng Run BuildingNo. 6 Ji Qing Li Road, Unit B603 Chaoyang District, Beijing100020 P.R. ChinaTel: +86 10 [email protected]

www.trustvesta.com

Thank you

12


Total Payment Costs: A Comparison

5%

Guaranteed PaymentsFraud and Regulatory Compliance ManagementStandardized Pricing*

Integrated Solution

2-3%

2%2%

Payment ProcessingID, Fraud Tools, PCIOverhead

Non-Integrated Solution

*Total price may vary based upon risk and transaction volume

13


Vesta’s Security Technology Platform

Advanced Security Event and Info. Management

(SIEM)

Security analytics

Next-generation security gateways

Intrusion detection and prevention

File Integrity Monitoring (FIM)

Whitelisting technology for critical systems

PCI-ASV scanning [PCI-Approved

Scanning Vendor]

Third-party security testing

and review

14


Patented Unified Fraud System™• Dedicated team of fraud scientists and

engineers builds industry leading predictive models; best-in-class decisioning platform, monitoring and alerting system; machine learning; and advanced heat-maps

• Patented, hybrid solution incorporates technology and a 7x24 department of fraud analysts who research and monitor ongoing fraud trends

• Continually updated by automated and hands-on, real-time data collection, monitoring and analysis

• Integrated rules-based and neural network engine focuses on recognizing CNP fraud behavioral patterns

• Analyzes more than 600 different elements for each transaction decision

• Sub-second (<4/100 of a second) decisioning improves acceptance rate

vesta corporation v-guaranteed payments solution

Internet