CybrPay Gateway

Online Payment Gateway
From a leader in the Payments Industry
4/12/12 1 A Rich History, A Market Leading Future
Payliance was formed through acquisition and integration by
Purepay Capital, a strategic investor and operator of payments
companies. During the last two years, the company has acquired
and integrated four payment processing and recovery companies:
CybrCollect, Security Check, TigerTranz and Check Smart. Each
company brought with them a unique set of capabilities as well as
a loyal and highly diverse customer base. Purepay
Founded
January
2007
4/12/12 CybrCollect
Acquired
December
2007
Security
Check &
TigerTranz
Acquired
June
2008
Check
Smart
Aquired
February
2009
Payliance
Launched
November
2009
2 A Single Brand With A Wide Range Of Solutions
Payliance specializes in Payments, Risk Management and Recovery
solutions. This framework delivers cost-competitive, low risk
payment alternatives to our clients.
  Top US provider for check and ACH recovery — one of first processors
to implement and execute electronic recovery.
  Licensed and operating in 50 states.
  Headquartered in Columbus, OH — with additional offices in Oxford,
MS, Atlanta, GA, and Destin, FL.
  150+ employees and growing.
  Payliance operates across North America, servicing over 30,000
clients.
  Strong capabilities in ACH payment processing across all types: web,
recurring, back office conversion, point of purchase and batch ACH –
often focused on accepting transactions from gateways and providing
back end processing.
4/12/12 3 Solutions to empower
your business growth
Payliance offers cost effective payment
solutions as an alternative to the high
cost of accepting credit and debit cards.
Our flexible solutions enable you to
customize components to meet your
needs or select a total packaged solution.
Either way, Payliance creates the fastest
return on your investment, with a
focused emphasis on client support.
Payliance is proud to have one of the
highest client retention rates in our
industry.
4/12/12 4 Payliance Product Focus.
Payliance focuses on three product sets – Payment Gateway &
ACH Processing, Risk Management, and Recovery which
includes check, ACH and Debt. When integrated they provide a
strong alternative to card payments.
Payments
›  Payment Gateway
›  Conversion Products
(POP, BOC, ARC)
›  Consumer Not Present
(WEB, TEL, PPD)
›  Batch ACH Processing
›  RDC / Check 21
11.13.09 Risk Management
›  Payment Guarantee
›  ACH
›  Electronic & Paper
Check
Recovery
›  Electronic Representment (RCK)
›  Traditional Recovery
›  Legal Recovery
›  Risk Tools
›  Secondary Recovery
›  Bank Account Verification
›  Debt Recovery
5 Gateway Offerings
  Back Office Conversion
  Check 21 Conversion
  Check Conversion at Purchase
  Check Conversion by Mail
  ICL Check Truncation
  Payments by Web
  Payments by Phone
  Recurring Payments
  Risk Decision Tools
  Payment Guarantee
Our payment services provide state-of-the-art fraud and theft protection to
ensure your transactions are safe, secure and reliable.
4/12/12 6 Automating Retail Check Acceptance
The Client’s Perspective
  Customers want payment options at the Point-of-Sale
  Merchants need to accept and process checks
  Issues:
  Paper checks create can be costly and time consuming
  Checks represent higher risk for NSF’s and fraud
  Checks need to be verified, reconciled, physically taken to a bank
for deposit and processed
  Checks are not always a reliable form of payment and settlement
of funds can take several days
  Banks charge high processing fees, and excessive hold time for
funds availability
4/12/12 7 Traditional Check Process
Retail Check
Presentment
Flow
Approved
Check
Flow
Funds are
withdrawn from
Check writer
bank and
deposited to
Merchants Bank
Declined
or NSF Check
Flow
4/12/12 8 Automating
Check Acceptance
Payliance has a suite of check readers and
imagers that allows Client’s to convert a paper
check at the point-of-sale.
  Client accepts paper check, clicks a button
on their Gateway software and places the
check in the check reader
  Check MICR information is captured off
the bottom of the check, or if an imager
is present, the check image is captured
  Client keys in the dollar amount of check
and clicks submit
  Gateway then receives the MICR and
dollar amount and submits the
information to the Automated Clearing
House (ACH) to process the transactions
4/12/12 9 Automated Check/ACH Process
 
Clients accept payments at the POS, over the phone, through the mail, or over
the Internet using terminals and/or a browser based VPOS solution provided by
Payliance.
 
Payment engine aggregates all payments into one reporting and processing
engine that can be accessed any time to see real-time reporting on all
transactions, setup and review Planned Payments, or process new payments.
4/12/12 10 Automated Check Solutions
Merchants can now have an efficient option for accepting checks at the
point-of-sale, MO/TO, or on the Internet.
  Ideal for merchants who want to implement an electronic check
service to avoid bank fees and manage their own recovery efforts
  Safe for the customer as well—check is returned to them — protecting
personal information
  Improved cash flow for Client with faster fund settlement
  Significant improvement in operational efficiencies and reduction in
losses from returned checks
  Risk Management solutions can be utilized to screen checks against
information from hundreds of thousands of businesses and financial
institutions, minimizing the risks associated with accepting a check
4/12/12 11 Automated Check/ACH Process
4/12/12 12 Demo Account Tool
LOGIN INSTRUCTIONS:
  When you log into the gateway you will
need to reference your CybrPay.com
Account ID which is the CPDMO when
logging into the Online Merchant Center
administrative interface. To use the
Online Merchant Center administrative
interface, log in
  https://www.myCybrPay.com
  Enter the following:
  Account ID: CPDMO
  User ID: Demo
  Password: Demo12#$
(The password is case sensitive)
4/12/12 13 The CybrPay Engine
This Demo account is enabled to process transactions but not to settle
them. This demo account allows you access to the Virtual Terminal, the
Recurring Manager, and the Transaction Reporting engine.
However, you may require additional technical integration if you will be
processing transactions directly from your website, ERP solution, or other
back office payment application. You will need to confirm the status of that
portion of your setup with your webmaster or technical contact.
If you are the webmaster you can access the technical integration
documents from within the gateway or from the web site. If you are logged
into the Gateway click on the help tab in the right hand corner of the
screen to access the integration documents, or follow this link:
https://www.myCybrPay.com/docs/
Demo Account
Once you have logged into the
Demo Account you have the
ability to test drive the system.
If you click on the help button
on the upper right corner you
can gain access to the User
Guide and Developer Integration
Guides.
This system is both a reporting
engine and a VPOS. Terminals
can be connected to a merchant
cash register, Terminal or
directly to the VPOS to send in
transactions for processing.
Key Entering a
Check Transaction
Once you click on the Process ACH, sometimes
referred to as an eCheck, you can key enter a check
transaction for processing.
There are many different kinds of check transactions
that a merchant can accept with this tool.
  ARC - Accounts Receivable Check Conversion
  BOC - Back-Office Conversion
  CCD - Cash Concentration or Disbursement
  ICL - Image Cash Letter
  POP - Point-of-Purchase Check Conversion
  PPD - Prearranged Payment and Deposit
  RCK - Represented Check Entry
  TEL - Telephone Authorized Entry
  WEB - Internet Authorized Entry
Merchants can also add a check reader to their PC
using either their Serial Port or USB and then scan
or image checks directly into the payment engine.
Lastly, our Gateway has an application that resides on
the merchants PC that allows the merchant to scan
checks in Bulk and upload them to the system without
the need to ever open the system up.
Coding To The API’s
Payliance offers a complete suite of Integration API’s (Application Programmer
Interfaces) for direct integration from the merchants, ERP’s, ECR (Electronic Cash
Register), and any other POS application to our “Transaction Network”.
Our Clients Receive:
› 
› 
Free technical support
24/7 development and test connectivity to our test payment processing
platform
Our API’s are easily integrated into most IP capable devices allowing universal end-toend processing capabilities.
Communication
Method
Development
Application
Protocols
Payment
Acceptance
VPOS Java ACH: Verifica9on & Guarantee XML PHP SOAP PERL Check: Trunca9on, Verifica9on & Guarantee .NET / Web Services C+ Accounting
Solution
G/L Check 21, ARC, POP, BOC Web Cart Integrations
This is a quick list of the most common off-the-shelf shopping carts that we are
integrated with. This list is constantly being updated with new carts, and some
shopping cart vendors have integrated to our Gateway but have not updated us. If
you are working with a shopping cart please contact us to see if we are integrated, or
we can also supply the shopping cart vendor with the necessary development
information to code to us.
› Miva Merchant
› Mercantec
› CartManager
› SoftCart
› ezStore123
› ShopClerk
› Dansie
› Hazel
› InterShop
› Tek9 Pro
› osCommerce
› cf_ezcart
› Mal's e-commerce
› 1stshoppingcart
› ShopPal Stores
› MoneyCart
› Hsphere
› PDShopPro
› PDGSoft
› KickStartCart
› ShopZone
› X-Cart
› Squirrel Cart
› Merchant Partners
› ampleShop
› 3dCart
› Volusion
› Zen Cart
Identifying Merchant Opportunities
The Right Solution For The Right Merchant
Check & ACH Basics
ACH: Automated Clearing House
  ACH has recently become a tool
that the average merchant can
use for payments
  Can be taken over the phone,
over the Internet, or through
the mail
  A physical check can be handkeyed into a VPOS.
  Payment can be keyed into our
VPOS, settled and deposited to
the Client’s account.
  Variations with ACH payments
such as ARC, POP and RCK.
Check Automation Opportunities
Back Office Conversion
Check Conversion by Mail
Back Office Conversion (BOC) is the Standard
Accounts Receivable Conversion (ARC) is the
Entry Class (SEC) code for paper checks
Standard Entry Class (SEC) code for paper checks
written at the point-of-sale for goods or
written to a Merchant and received via the mail or
services, and converted from paper to an
lockbox and converted from paper to electronic
electronic debit later at a centralized location.
debit later at a centralized location.
 
Grocery
 
 
Pharmacy
 
 
 
 
Any Retail Outlet
Restaurant / Pizza
 
Veterinarian
 
 
Salon / Barber
Auto Service
 
Daycare / Petcare
 
Exercise, Karate or Dance Studios
 
Educational Facility
 
 
 
 
 
 
 
Utility Companies
Cable Companies
Municipalities
Mail Order Catalogs
Newspapers
Dentists
Doctors / Chiropractors
Lawn Service
Exterminators
Pool Cleaning Services
Electronic Check Conversion Solutions
Check Conversion at
Purchase
Check Conversion at
Purchase with Guarantee
Guarantee – How it Works Electronic Check Conversion (ECC) greatly reduces the cost, 9me, and risks associated with check acceptance at the point-­‐of-­‐sale. Converts paper checks into electronic transac9ons that are sent directly to the bank — NO paper deposit, NO encoding, NO deposit fees Merchant swipes check through a check reader and hand keys the drivers license number and amount of sale Merchant no longer pays a deposit fee or a return fee at their financial ins9tu9on All checks are verified against a database to reduce the chance of accep9ng a bad check Acer approval, a duplicate receipt is printed and consumer completes receipt Merchants are paid daily Paper checks are stamped ACH PROCESSED and returned to the Customer The check is stamped “ACH Processed” and handed back to the consumer along with the receipt Merchants know about their return checks in 48-­‐72 hours instead of 7-­‐14 days — stops runners Merchant experiences an uninterrupted cash flow — whether the checks are good or not Merchant receives funds on the transac9on in 48-­‐hours. (Consumer s9ll experiences a 2-­‐day float) Use check reader or check imager — Check imagers are more convenient and eliminate many receipt requests. Merchant will not be charged back for any returned checks (as long as proper procedures were followed) PCI and Data Security
Retail and Web Merchant Tools
Security & Compliance
Payliance is committed to safeguarding customer information and combating fraud.
We have implemented industry leading security initiatives, and our merchants are
protected by the strongest encryption methods and security protocols available. We
continue to develop new solutions to provide our Clients and their customers with
confidence and security.
 
Protecting Transaction Data – our Gateway uses the latest 256-bit Secure Sockets
Layer (SSL) technology for secure Internet Protocol (IP) transactions
 
Securing Customer Data - We employ industry leading encryption hardware and
software methods and security protocols to protect customer information. Our Gateway is
certified as compliant with the Payment Card Industry (PCI) Data Security Standard and
with SAS 70
 
Preventing Fraud - Our Fraud Management Department is committed to providing
merchants with tools and best practices to prevent fraud. Industry initiatives such as ACH
and Check Verification, Address Verification Service (AVS) and Card Code Verification
(CCV/CVV2/CID) provide a high level of protection as part of our standard payment
gateway features. Our exclusive FRISKTM helps our Web and Retail merchants identify and
evaluate suspicious transactions with more then 70 additional Fraud and security features
Stopping Check Fraud
The Merchant Carries the Risk…
When a merchant accepts a check for payment, regulations place responsibility for
forgery and fraud losses on the Merchant, not the bank or the bank’s customers.
In addition to this exposure, there can be significant expenses and lost time
investigating the crime and trying to collect money owed
 
 
How Bad is the Problem?
The problem is so serious that the banks don't like to reveal the extent of the
problem. Estimates range from hundreds of millions to 10 billion dollars annually
The FBI tracks over 50,000 cases a year, but that is only the tip of the iceberg,
because the FBI mostly focuses on cases where the amount exceeds $100,000
In the last 4 years, Northern Trust Bank alone has detected more than 3 million
dollars worth of counterfeit checks
 
 
 
What do Criminals Look for?
 
 
 
 
Checks that are easy to reproduce using a color copier
Checks that are easy to tamper with
Closed Checking accounts
Stolen Checks and or Stolen Account and Routing numbers
Our Gateway is the first line of defense for merchants by deploying check and ACH
Verification solutions at the POS that can help stop Fraud.
Contact Information
Contact the Payliance Sales Team
Phone: 866-627-2927
Email: [email protected]
4/12/12 26