Products and Services Overview

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Products and Services Overview

• November, 2006

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What We Do

• Authorize.Net provides an Internet Protocol (IP)
  payment gateway that enable merchants to
  authorize, settle and manage credit card and
  electronic check transactions from

Web Sites
Mail Order
Retail Stores
Mobile Devices
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Company Overview

• Over 100,000 Active Merchants
• Dominant Gateway in Small Medium Business
  market since 1996
• Acquired by Lightbridge, Inc. (NASDAQ LTBG),
  April 2004
• Burlington, MA
• 130 Employees
• American Fork, Utah Reseller / Channel
  Management, Business Development, Finance
  Inside Sales
• Bellevue, Washington Engineering, Operations,
  Product Management, Marketing Reseller Support

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How it Works
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The Payment Gateway of Choice

• Merchants choice
• Secure platform for transaction processing
• Compliant with the latest industry standards and
  regulations Visa CISP Certified MasterCard SDP
  (in progress)
• Widespread third-party solution support from over
  200 leading shopping carts, VARs and software
  companies
• Connected directly to the Chase Paymentech Tampa
  Processing Platform

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The Authorize.Net Package

• Standard Gateway Features
• Merchant Interface
• Transaction history
• Help guides
• Integration specs
• Billing details
• News updates
• Automatic upgrades
• AVS card code filters
• Test mode
• Virtual Terminal / Batch Upload
• MOTO retail transactions
• Multiple Integration Methods
• Over 200 shopping carts software companies

• Add-On Features
• Automated Recurring Billing (ARB)
• eCheck.Net
• Fraud Detection Suite (FDS)
• Cardholder Authentication Programs
• Verified by Visa
• MasterCard SecureCode

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Merchant Interface
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Merchant Interface Virtual Terminal

• 5 Areas of Virtual Terminal
• Order Info
• Credit Card Info
• Checking Account info
• Billing Address Info
• Shipping Address Info

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Automated Recurring Billing (ARB)

• Build CC eCheck Transaction Volume!
• Three easy ways to create a subscription
• Merchant Interface
• Batch upload capability
• From a previously settled transaction
• Multiple recurrence intervals and trial period
• Low maintenance
• E-mail notifications when credit card expires
• Activation through the Reseller Interface

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eCheck.Net

• Accept and Process Electronic Check Transactions
• No additional integration necessary
• Accept payments over the internet or by phone
• Charge for one-time or recurring payments
• Collect funds from personal or corporate bank
  accounts
• Merchant must submit separate application
• Reconcile eCheck.Net Deposits
• Settlement statement with transaction details
• Separate reports for Settlement, Billing, Funding
  Calculation and Risk Reserve activity

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Fraud Detection Suite (FDS)

• Provides Web merchants with powerful tools to
  identify, manage and prevent suspicious and
  potentially costly fraudulent transactions
• Easily implemented
• Designed with Authorize.Net merchants interests
  in mind
• Full setup wizard that walks merchants through
  tools
• Highly effective
• Combat two types of fraud verification and
  settlement fraud
• Overlapping filters/tools to provide extra
  protection
• Customizable rules for merchants specific
  business needs
• Process as normal
• Authorize hold for review
• Do not authorize, but hold for review
• Decline / Reject

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Card Present Services

• Eliminates the cost of a dedicated phone line
• Alternative to virtual and private data networks
• Easy-to-use management and development
  environments
• Short learning curve for fast employee training
• Fast transaction speeds
• Cost effective

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Multi-User Accounts

• Coming soon!
• Administrative controls for both resellers and
  merchants
• Accessible through both Merchant and Reseller
  Interfaces
• Multiple logins provided by Account
  Administrator
• User-friendly controls and functionality
• Excellent solution for call centers, Accounting
  depts., fulfillment houses, etc.

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Dedicated Risk Department

• Helps Merchants Detect Suspicious Transactions
• Proactively monitors transaction activity
• Notifies merchants of any suspicious activity
  identified on their account
• Recommends specific steps for tightening security
• Helps Merchants Prevent Suspicious Transactions
• Educates merchants on the security tools
  available best practices
• Authorize.Net has published a Security Best
  Practices white paper
• http//www.authorizenet.com/files/securitybestpr
  actices.pdf
• Abuse Management
• Enforces Acceptable Use Guidelines
• Monitors and terminates all adult merchants on
  a monthly basis

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Security Risk Management

• Address Verification System (AVS)
• Verifies card holders address at their issuing
  bank.
• Card Code (CVV2,CVC2,CID)
• Three to four digit security code printed on
  credit cards.
• Transaction Key
• Unique alphanumeric key used as second layer of
  identification for merchants when submitting AIM
  transactions to Authorize.Net.
• Credit Restrictions
• Only allows credit to be issued against
  previously settled debit transactions.
• CISP Certified
• Certified with Visas Cardholder Information
  Security Program
• All sensitive information is masked both
  internally and on all interfaces.
• Cardholder Authentication Programs
• Verified by Visa MasterCard Secure Code

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Key Selling Points

• Integration
• 3rd Party Support
• More than 200 integrated partners
• Integration Team
• Sample Scripts available
• Stability/Reliability
• Redundancy
• Increased Capacity
• Visa CISP MasterCard SDP Compliant

• Support
• Unmatched by any competitor!
• Large support staff
• Phone, email and online chat
• Hours 6 am 6 pm PST, 7x363
• Brand Recognition
• Widely Recognized and Trusted
• Longevity Established in 1996!

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Reseller Pricing

• Standard Buy Rates
• 149 One Time Set up Fee
• 20 Monthly Gateway Fee
• 0.10 Transaction Fee

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For More Information

• Kevin Piccolo
• Authorize.Net Reseller
• [phone]
• KevinPiccolo_at_msn.com

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