Payments simplified. 1

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1 1 Payments simplified.

2 T H E PAY M E N T I N D U S T RY A I N T W H AT I T U S E D T O B E 2 Complexity is increasing, More change in next 5, than last 50 Emerging payments / loyalty / rewards / coupons PCI compliance NFC (technology sets the stage for many new use cases) EMV Convergence of cloud, mobile, social creates omni-channel experiences Increasingly regulated FTC, Durbin

3 M E R C H A N T S A S K U S How can I be more innovative with both payments & POS? How can I better predict what payment changes are required in the future? Can you decouple payment system from the POS system? How can I implement EMV most effectively? Which wallet should I support? How can I more easily support alternative payment solutions? How can I remove my POS and store systems from PCI scope? 3

4 4 M E R C H A N T S C H A L L E N G E S I N T H E FA C E O F C O M P L E X I T Y In a recent VeriFone Insight Study EMV, Wallets, and Mobile are a top priority among respondents 81% of surveyed merchants believe payment technology is growing increasingly complex. 77% of surveyed merchants believe that PCI Compliance is growing increasingly complex. 71% felt that management and updates of payment systems has become increasingly difficult over the past few years. 65% felt that vendor management for payment services has become increasingly complex over the past few years. 61% felt that the impact of payment technologies on our company s bottom line has become more difficult to forecast over the past few years.

5 EMV alone will create significant challenges Change in transaction types Move tender to the end of the sale End to end certifications EMV cert timelines EMV cert costs EMV cert tools costs EMV link to POS slowing POS changes

6 C O M P L E X I T Y D R I V E N B Y I N N O VAT I O N A N D M A N D AT E S Mobile Payments Support: Google, ISIS, Apple, Visa, MasterCard EMV Deadlines Security, Privacy, Compliance & PCI Alternate Payments Mobile Discounts, Offers & Coupons Fixed POS or Mobile POS Omni-Channel Payment Consistency Proliferation of Cloud, Social Technology, Convergence, & Consumerization of IT

7 W H AT I F A S O L U T I O N C O U L D M A N A G E A L L O F T H I S F O R Y O U? Mobile Payments Support: Google, ISIS, Apple, Visa, MasterCard EMV Deadlines Alternate Payments Fixed POS or Mobile POS Security, Privacy, Compliance & PCI Mobile Discounts, Offers & Coupons Omni-Channel Payment Consistency Proliferation of Cloud, Social Technology, Convergence, & Consumerization of IT network Peace of Mind POS - EMV readiness - Card brand / compliance updates - Loyalty, Rewards - Reduce PCI Scope - Wallets and emerging payments - Predictable cost model - Future-ready and the tools you need to configure the payment experience that best suits your business. 7

8 Payments Simplified. Point is a comprehensive managed services suite designed to take the burden of payment and PCI complexity off of the shoulders of merchants while empowering them with the tools and flexibility they need to create an optimal payment experience today. And tomorrow. Point is payments simplified. 8

9 Payments Simplified. Point Portal EMV Support Device + software Transaction Svcs Remote Key Device Mgmt E2EE / Tokenization 3rd Party Connectivity NFC / Wallets Processors Single access point for solution administration Ongoing updates and certifications Inclusive, fixed rate model; predicatable costs Unlimited to gateway for processing or routing Managed securely to the device Manage, monitor, update your entire estate Protect cardholder data with secure transactions Easy integration into existing or new systems Support emerging Payments as they evolve Gift card, pin debit, and credit

10 P O I N T P O R TA L Web based management console through which services and devices may be managed and monitored. - Rights driven interface - Configurable environment - Device management - Service management - Web based - Multi-device access (web, tablet, mobile) 10

11 P O I N T S E M I - I N T E G R AT E D D E V I C E C O N N E C T I V I T Y Semi-Integrated Benefits Secure Commerce Integration encryption Secure commerce interface Secure Commerce app Point Gateway token Our devices securely manage card data, removing the POS from PCI scope. Simplifies POS Payments Eases EMV Implementation Eases Wallet Implementation Isolates Payment System Easy Card Brand Certifications Reduces Payment Integration points Reduces number of payment vendors Speeds Payment Innovation Reduces POS PCI Scope Protects cardholder data 11

12 P O I N T G AT E WAY Single Source for all things payment Support new products/features, with 24/7 customer support Combine services from multiple sources; Credit/Debit plus Provide a single integration method for multiple processors Ability to convert easily processor independence Remove all Sensitive Data from your enterprise Provide Signature Capture Storage and Retreival Mitigate PCI/security concerns 13

13 P O I N T E N C RY P T I O N A N D T O K E N I Z AT I O N Encrypts payment data at the point of swipe or tap and decrypts it only after the transaction is completely out of the retailer s payment infrastructure and at the secure decryption site, securing cardholder data and reducing PCI Scope & Costs. Protects cardholder data in retailer environment Protects data pre and post authorization Protects all payment and transaction types Format preserving encryption minimizes enterprise impact Meets PCI-DSS data protection standards Meets Visa Mobile Payment Best Practices Removes merchants from the data protection business Reduces PCI scope and costs TRSM provides physical security and protects encryption keys from virtually every possible attack Adopted by multiple processors and retail partners: PAYware Connect, Elavon, First Data, Chase Paymentech, WorldPay and Vantiv 14

14 P O I N T E S TAT E M A N A G E M E N T 15 Best of breed estate management solution that provides comprehensive terminal estate operations along with exciting new sales and promotional possibilities Modules: Device Management: The heart of VeriFone HQ Device management functionality that simplifies deployment, organization and remote management of a wide range of devices. Diagnostics: Module that reduces total cost of ownership with advanced monitoring, alerts, and remote troubleshooting Content Management: Module that provides a practical, economical way to deliver branding, promotion, and advertising content

15 P O I N T R E M O T E K E Y L O A D I N G VeriFone ships RKL ready POS device i.e. with RSA public-private key pair VeriFone RKL Solution VeriFone validates the Serial Nos, the requested keys and payment information VeriFone RKL Portal Customer sends POS Serial Nos to VeriFone Customer Customer gives VeriFone custodianship for the debit keys Secure Room VeriFone generates the encrypted keys and are available via the portal VeriFone Support 4 Customer downloads the encrypted keys VeriFone help Customer loads RKL payload to POS device Remotely or in the field POS Devices

16 AVA I L A B L E D E V I C E S VX520 VX520 MX925 MX915 VX680 Wireless E300 s (phase 1) VX SEMI-INTEGRATED STANDALONE

17 PAY M E N T S S I M P L I F I E D. P E A C E O F M I N D. Ensures Costpredictability No capital investment Fixed rate, all inclusive subscription No additional fees for: Gateway transactions Integration costs of future payment types Dramatically reduce costs of EMV maintenance PCI Scope Reduction Payment terminal uncoupled from POS to: reduce PCI scope; Remove dependency of payment innovation from POS; Accommodates Future Needs Fast Access to New Payments Payment Terminal Upgrades Complete PCI Services Access to Current and emerging payments Loyalty and rewards Payment Network Updates Processor Specification Updates Swap from fixed to mobile payment lanes/ devices EMV Ready All updates to the device based on EMV specification changes End to End re-certification when POS changes

18 W H Y V E R I F O N E? T H E G L O B A L PAY M E N T S L E A D E R 19 Multi-Lane Retail Leadership Over 1.5m MX devices installed 75% of Top 200 U.S. Retailers use VeriFone payment solutions Mobile Solutions Leadership 60+ mobile solution customers installed 60,000+ mobile payment devices shipped NFC Wallet Leadership 14 out of 16 retailers accepting Google Wallet use VeriFone 12 out of 14 large Retailers taking PayPal s mobile payments use VeriFone 5 out of 7 large Retailers accepting Isis wallet use VeriFone Payment Security Leadership PCI SSC Board of Advisors member since PCI founding Host annual VeriFone Retail Payments Conference 79% of US processing volume supported by VeriShield Protect processers Payment Innovation Leadership GlobalBay elevates the in-store retail shopping experience LIFT Retail Drives increased sales in the convenience store industry Point provides simplified payment processing across Europe Global Payment Leadership VeriFone US gateways process over $10B in annual volume VeriFone has more than 20M customers in over 110 countries $1.893B to $1.898B FY12 revenue guidance

19 20 T H A N K Y O U!