Direpay product note

1. timeso/money

DirecPay — Payment
Gateway Solutions

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Organizational Overview
TimesofMoney
«+ More than a Decade-old organization, focused purely on e-payments
«*India-based, serving retail and institutional clients in 40+ countries

250-strong employee base with all critical operations in-house: product development,
technology, customer service, risk & compliance and transaction processing

Dedicated CoE: Payments, mobile technology, remittances

Spanning Indian and international clients, our offering includes specialized NRI services, India
Money Transfers, Global Money Transfers and ePayments

“*Conceptualized and built to serve diverse communities, TimesofMoney's services offer
convenience, connectivity and flexibility across a global platform

“Awards:

Remit2India's Website earns the coveted ‘Standard of Excellence WebAward', 2010 from the Web

Marketing Award Association

*% Remit2india won the Brand Leadership Award in the ‘Internet Business’ category

at the World Brand Congress 2009

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Our Brands

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Window? india com @direcpay

Your Rome away trom home

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About DirecPay

DirecPay is a payment gateway service providing customized online payment solutions for
merchants across India. It offers safe and cost effective payment options (NetBanking, Debit cards
, Credit cards, IVRS, Mobile Payments) on a secure technology platform.

DirecPay is a secure and merchant-centric payment gateway service. This means that it allows
them to receive payments in a secure environment, from a bouquet of payment service offerings.
So whether merchants sell their products online, provide services with online payment collection
or want to collect payments for utility bills, DirecPay empowers them to receive payments from

@direcpay

Verified by MasterCard.
VISA

SecureCode.

Verisign

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Product Offering
Ecommerce a
*% Credit Card - All Visa / Master / Diners club credit cards x
“ Debit Card - All Visa issued Debit card $ ÿ “24
“Maestro issued Debit cards nd

Retail Net Banking (Direct Debit) — 40 plus retail net banking of all major banks in
the country

Corporate Net Banking — 25 plus corporate net banking platform of all major
banks

EMI Card Processing of more than 6 leading banks in India giving you 95%
coverage

Cash Management Solution - A corporate/proprietor user with

large booking amount can pay using his corporate bank account Q
Cash Cards — Major cash card supported

Mobile Payments - PayMate

6. Interactive Voice Response System (IVRS)

% All major credit card accepted on IVR

“Agent assisted model available
% High level of customisation

Mobile Payments / Internet and Mobile Payments Service (IMPS) - Mobile
payments are processed using the Inter Bank Mobile Payments System (IMPS).
Currently 14 banks are part of this network. Some of the benefits of this payment
mechanism are:

“Bank independent processing
«+ Seamless transaction flow

% Customers having a mobile money Id (MMID) can transact using any of the access
channelsCash Cards

WAP Payments/Mobile Checkout
% All major credit card accepted on WAP

“ New age payment acceptance method

% Integrated with merchant mobile application and mobile website
% No separate integration required
Mobile optimized user experience _ _

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On Demand Analysis (Business Intelligence)

+ Merchants can retrieve real time reports
LS Merchants can retrieve real time reports

+ All reports can be converted into a graphical view

atthe click of a button
+ Users can customize the reports on a real time basis
+ Can be also used for analyzing shopping cart data
LA User-defined, interactive dashboard reports with embedded analysis capability

+ Variety of chart types including bar, column, pie, donut, area, line, dual Y, gauge, combination
charts and more.

Stored Card Feature-
+ Option for customers to save their card number and expiry date

La Enhanced user experience, Faster checkouts & Better success rates

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Customer opts to save his card details(Card Number and Expiry Date) at the time of transaction

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Repeat customers select the stored card and enter the CVV and 3D secure passwo;
complete the transaction

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Multi Bank EMI
LS Option for customers to convert their credit card transactions into EMI

Coverage across all the major banks

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Opportunity to tap new customer encouraging them to purchase high ticket items
online

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Promotional tool for merchants

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Savings in interest cost for the customer

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Both merchant and customer subvention options available

The world is possible with
Multi-Bank EMI

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Value Added Features

Digital Wallet- A digital wallet can be created for Amway customers which will provide the below
benefits:

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x Option to fund using any of the above payment options and redeem their cash/points

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Amway can credit rewards to the member(customer) wallets

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Can be used across all access channels

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Regulatory complaint solution which can be used as a alternative to offline pre paid
instruments like ITZ cash which has been stalled by the RBI

Mobile Point of Sale with features- Mobile POS can be used as a effective alterative to cash on
delivery. It provides the following benefits:

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Higher success rate compared to cash on delivery

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Better working capital management

Capability to offer multiple collection capabilities(Cards,IMPS)

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E-Invoicing - Merchant can raise electronic invoice to customers for collecting online payments. This
feature has the below benefits:

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Pushing payment request to the customers
Customers get a mail alert with an option to pay online

The invoice can be scheduled based on pre defined frequency

Risk Management Services — We run a 24/7 in-house risk management services. Some of the
features of our services are mentioned below:

Robust Risk Management process

Stringent merchant identification checks, including tele-verification per transaction
Transactions screened against SDN/PEP/OFAC along side negative database
Exception/suspicious reports tracking to prevent money laundering

Transaction level risk scoring with volume velocity checks and IP tracking
Comprehensive record creation and retention process

Transactions coming from any high-risk countries are flagged

A Geo-location and online fraud detection per transaction

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Recapturing Abandoned Transactions

LS Currently 40% of orders are abandoned by customers due to technical errors, poor

connectivity etc

LS Direcpay will give you detailed analytics of these transactions
La The MIS will include all details of transactions like browser, date/time
+ Customers will also be sent email alerts with a option to

complete the payment

Shopping Carts
DirecPay is pre-integrated with the below Shopping carts

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Magento, Jhoomla, Cubecart, OsCommerce, Xcart, Zencart

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“

x Merchants can directly download any of the above Shopping carts

from DirecPay website and start collecting payments using DirecPay

opencart >

nopCommerce Æcubecarf MPRESTASHOP MD) Magento

© oscommerce H NCART (WM wornPress

M cs.cart
Professional Joomla!

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DirecPay Cloud

Build your own branded online store in minutes with DirecPay's powerful ecommerce platform:

Fast & Easy-to-build professional website
Low entry cost

Cloud Hosted Model

Integrated payment gateway

Run promotions

No dependency of 3rd party vendor for ecommerce solutions
Inventory management system

SEO and Online Marketing

Social network integration

Customized online store with logos
Logistics partner to manage delivery

Manage Content, create & manage catalog, Customer Management and Emai

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Advantages of DirecPay

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Single Integration with DirecPay for all banks (Net Banking, Cash Cards, Mobile
Payments)

Single MIS for all Credit/Debit cards, Net Banking, Cash Cards, Mobile Payments
transactions

Saving on time in tie-up & integration with all these banks
Safe and secure transaction processing

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Recapturing abandoned transaction

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DirecPay is pre-integrated with multiple Shopping Carts

Merchants can directly download any of the above Shopping carts from DirecPay
website and start collecting payments using DirecPay\

Multi-platform support like JAVA, PHP, JSP, PERL, ASP etc

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Fraud detection management services

“ Simple integration process

14. Payment Options — Credit cards & Net Banking

® Banks - et Banking

Pars van Pr credit cards
‘sit bak Bon rt

VISA

citibank 5 a
|DcB BANK a
- ee Maestro
SOS | AA [OBEREN

ING SD wysya 7

Master Card

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Payment Options — Debit Cards

% Banks -Debit Cards

El HSBC) PicicrBank

| reramao Immun) RS ~ . :
= =
lila Pana DE CES

W BARCLAYS

= a. ei) (ons.
DE mo DCB BANK
can

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Ecommerce - How it works

Payment Process

“
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Cersanyoer caras )
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Technology Platform & Infrastructure

Three Tier Architecture
Component based architecture
Separate interface and aggregation engine

Platform Independent Implementation
Scalable multi -channel and flexible
Interoperable enabling integration

*Fortigate 310 B firewall with IPS
and IDS
*Netscaler for load-balancing
*PCI-DSS v2.0 certified

+Militarized (MZ) and De-Militarized
Zone (DMZ)

«Sun Servers Ultrasparc T2 processors
JBoss 5.0 as middle ware

«Oracle 11g Database

*ACD and AOD with IVR support on
Genesys platform

eTalisma Enterprise Messaging

“ timeso/money

Interfaces Supported

Currently supports most common Browsers
Merchant channel agnostic (Web, Mobile)

«Integrated with IVR platform

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Business Intelligence Tool

User-friendly merchant account access and On-Demand Reporting tools

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Enables Rapid & Informed business decisions
Variety of chart types including bar, column, pie, donut, area, line, dual Y, gauge,
combination charts and more.

Empowers end-users to instantly meet their dynamic information needs by
rapidly creating & viewing multiple representations of the same data

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+ Presentation-quality reports that business users can straight away use in the
boardroom

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Users can easily share reports and business insights with teammates,
customers and vendors

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% Access various reports (Settlement reports, Transaction MIS)

CREER ICT VII SENTE aT

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Contact US

TimesofMoney Limited
4th Floor, Times Tower,
Kamala Mills Compound, Senapati Bapat Marg,
Lower Parel - West
Mumbai - 400013, India
Landline: 022-30473408
[phone]