Netaxept

Introduction 2013

International service which enables you to receive and process payments with variety of payment methods and currencies in an online store and for telephone and mail orders

With versatile Netaxept service packages you can customize a payment phase easily to fit your needs

As a PCI DSS certified payment solution Netaxept meets high security requirements set in internet paying

Versatile antifraud services offered by Netaxept help you to prevent card misuse reliably

Cost-effective service where authorizing, debiting and crediting of payments run smoothly and reliably with interfaces that are easy to integrate to your back-end systems

NetaxeptReliable and convenient payment solution for card-not-present sales

NetaxeptTop class performance and high availability

Uptime in 2013

January 100 %

February 99,99 %

March 99,75 %

April 99,98 %

May 100 %

June 99,93 %

July 100 %

August 100 %

99,96 %

Available for merchants and customers every day 24/7

High-availability service which is impacted by the internal and external service-level requirements

High capacity with redundant systems on 2 physical locations

Systems are virtualized and load balanced

Based on the same stable infrastructure as Nets POS terminals

Monitored 24/7 by the staffed operations center

Information about planned maintenance works and service breaks in advance

Accepted payment methods:Visa and MasterCard (debit and credit), Visa Electron, Maestro, American Express and Diners Club payment cardsBank buttonsKlarna and Paypal

Several payment currencies available

Payment form can be customized and adapted to eCommerce and mobile commerce

Versatile antifraud services and Verified by Visa & MasterCard SecureCode authentication services which prevent reliably and efficiently card misuse

Easy-to-use user interface where transactions can be managed and processed further, e.g. credit

Interfaces and user interface can be tested free of charge with test id codes and test cards provided by Nets

Possibility to debit additional fee for the chosen payment methods

”Netaxept Advanced” service packageTo companies that want comprehensive and versatile payment solution for eCommerce

Possibility to see transactions of several trading sites with the same user id codes

Comprehensive transaction reporting service

• Easy payment (One-click-shopping)• After the initial payment buyer pays

subsequent purchases easily with one click

• Recurring payment• Merchant debits payment card according to

agreement without any buyer interaction after the initial payment

• Link payment• Merchant creates a link and sends it to

buyer e.g. via email or SMS. When buyer clicks the link, browser redirects him to payment form for paying the purchase

Some of our payment methods

Card payments Bank buttons

Versatile payment methods in eCommerce and mail and telephone orders

Paying by bill

Some of our customers

Product agreement

•In this agreement you will agree on Netaxept product related issues

•Enables you to integrate Netaxept payment solution to card-not-present sales

•Netaxept agreement is available from Netaxept customer service. Send the completed agreement to Nets

Acquiring agreement

– In this agreement you will agree on payment transfer related issues, e.g. settlement time

– Enables you to receive and handle payments and their settlements in card-not-present sales

– Acquiring agreement is available from the chosen acquirer

The needed agreementsAgreements with Netaxept and acquirer

Some of the acquirers supported by NetaxeptFull flexibility in choosing acquirer that best fits for your business needs

• Netaxept is connected to several acquirers that operate internationally

• Netaxept creates batch files for payment transactions debited and credited within the past 24 hours

• The transactions are forwarded to the proper acquirers

• Each acquirer settles the transactions within an agreed settlement time to the account notified by the merchant

• Possibility to use ready-to-use payment form or customize the look & feel of the payment form

• Easy to integrate and suitable for eCommerce and mobile commerce

• Payment form is available in several languages, e.g. in Finnish, Swedish, English, Russia and Germany

Netaxept payment formSeveral customization possibilities and language options

Nets payment form with merchant’s logo Nets payment form in a single page mode

Netaxept payment formSeveral customization possibilities and language options

Customized Nets payment form

Nets payment form in a mini-layout mode

Netaxept payment form on mobile devicesEasy to integrate and customize with mobile platforms

• Netaxept payment form is supported on several mobile device types

• Payment form is automatically optimized based on the mobile device type (smart phone / tablet)

• Default payment form templates are offered for iOS, Android and Windows Phone based smart phones, and generic smart phones

• You can also customize and design the payment form template per mobile device type

• Useful functionality for eCommerce merchants

• Purchase process with payment link:– Merchant creates a payment link

automatically via user interface– Merchant attaches the created link in

e.g. email or SMS and sends it to the buyer

– When buyer clicks the link, browser redirects him to payment form

– Buyer pays the purchase with the chosen payment method

• Link payment transactions are flagged as eCommerce transactions

• Available in “Advanced” service package

Link paymentFunctionality where buyer pays the purchase by clicking the payment link

• Additional service for card payments

• Perfect for mobile applications

• Easy purchase process:– Buyer register order information to the

merchant service during the initial card payment

– During the registration card is authenticated with Verified by Visa or MasterCard SecureCode authentication service

– Card data is stored in a safe and PCI certified environment at Nets

– Buyer pays subsequent purchases easily with one click

• Depending on your acquirer you may or may not have to ask the buyer for the CVC2 / CVV2 code for each transaction. Netaxept supports both variants

• Available in “Start” and “Advanced” service packages

Easy payment (One-click-shopping)Additional service where after the initial payment buyer pays subsequent purchases easily with one click

• Additional service for card payments

• Purchase process without buyer interaction:– Buyer and merchant signs an agreement

where buyer allows merchant to debit his payment card with certain time frames

– Buyer register order information to the merchant service during the initial card payment

– During the registration card is authenticated with Verified by Visa or MasterCard SecureCode authentication service

– Card data is stored in a safe and PCI certified environment at Nets

– Merchant makes subsequent purchases easily by debiting payment card according to agreement without any buyer interaction

• Available in “Advanced” and “Call Centre” service packages

Recurring paymentsAdditional service where merchant debits payment card without any buyer interaction after the initial payment

Netaxept user interface

Merchant

Buyer

In user interface you can manage and process transactions further, e.g. credit

In “Advanced” and “Call Centre” service packages you can also see a comprehensive transaction reporting side

In user interface you can see both eCommerce and mail and telephone order transactions

Easy-to-use user interface is available free of charge to all Netaxept merchants

• Versatile antifraud services which prevent reliably and efficiently card misuse in card-not-present sales

• In user interface you can see– IP address of the buyer's browser connection

in which the transaction was originated– Card issuer's country in which the card used in

the transaction was issued

• In user interface you can also– Block credit card transactions– Filter transactions that exceed the set sum

value or transaction amount, in a certain time period done by using a given payment card or from certain IP addresses

– Filter transactions done by using payment cards issued by a specific country

• If you choose e.g. Finland, only payments done by cards issued in Finland are accepted

Antifraud services offered by NetaxeptAntifraud services are available free of charge to all Netaxept merchants

• Makes it possible for you to prevent reliably and efficiently card misuse in card-not-present sales and identify poten tial card misuse before the product or service is sent out

• Versatile service that scores real time all transactions

• You can use the default policy scheme and rating system built into the service or customize rating thresholds yourself

– The default policy scheme is best suited for the general merchant scenario

– Customization of the rating thresholds is also easy

• Rule sets include e.g. geo location, handling high frequency transactions and detecting a wide range of other abnormal transaction indicators

Risk management toolsAdditional service preventing card misuse in card-not-present sales

Technical integration

• You can integrate Netaxept payment solution to your web store or mail and telephone orders with the following interface options:

– REST• Request is sent as POST or GET

method to Netaxept

• Response is returned in XML format from Netaxept

– Web Service

• Read more about interfaces here

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Etäkaupan palvelutNets Oy

+358 9 6964 6180ecommerce-support-fi@nets.eu

Contact information

BookIT Finland OyTom Sandell

tom.sandell@bookit.net+358 40 5030355