Page 29 - GS170901

Spotlight Innovators

If you are a payment sales professional looking for a source to board business opportunities you would normally pass by
due to the industry type or boarding difficulty, HBMS invites you to tour our website to become more familiar with our
practices and service levels. We would also be happy to provide you with references from our sales partner community
and merchants we serve.

Our track record is tried and true, and we have taken the guesswork out of what it takes to serve the higher-risk merchant
marketplace. In addition, we offer the same level of exemplary service to traditional CNP merchants that may not fall
under these hard-to-board business categories, but still require additional underwriting review to qualify.

With a selling partnership in place with HBMS, you’ll be able to take full advantage of this expertise, along with our rapid
review and merchant account setup expertise. You and your merchants will also benefit from a full menu of services
HBMS offers to every U.S. and Canadian customer, including multi-currency conversion, compatibility with multiple
payment gateways and daily chargeback reporting. We also offer in-house support for customer inquiries, statement
questions and chargebacks. In addition, for specialty cases, we also offer custom payment solutions, and additional
chargeback management and fraud reduction tools.

If you are interested in what HBMS can offer you and your merchants, we would love to walk you through the steps
of becoming an HBMS sales partner. Please contact us at 877-387-5642 and get started with enhancing your merchant
portfolio and your residuals today.

SAePay is a family-owned business based in Los
Angeles, CA. For over 15 years, the company has
been assisting merchants with payment solutions
U to fit their needs. USAePay's payment gateway
supports most of the major platforms in the credit card indus-
try and works with some of the leading check platforms.
USAePay is pleased to work with most of the larger merchant
service banks in the US and Canada.

What’s New:
Innovating the gateway

oday’s payments environment, and what has been an ever-changing merchant landscape in recent years, has
also inspired gateway functionality to evolve. As a result, processors looking for a third-party gateway partner
are now evaluating a gateway’s ability to innovate just as closely as they look at its security, compliance and
T usability. “Gateway technology has been a core part of the payments ecosystem for nearly two decades now,”
said Martin Drake, President of gateway provider USAePay. “While it’s true that any gateway product must diversify
with the industry to stay relevant, the providers who think outside of the box and use the inherent strengths built into
their technologies to solve marketplace issues, are the ones that will stand out.”

A merchant’s issues have moved beyond the day-to-day functionality of the gateway. While automated batching and
reporting, encryption and real-time access to transaction data are still paramount to a merchant, their world is becoming
more and more digitized by the day. They are also being faced with meeting an increasing level of compliance and security
requirements that impact their bottom line and ability to become more efficient. These merchant-level challenges, and the
desire of the processors to resolve them, have inspired USAePay to further harness the power of its gateway technology
to provide a new set of capabilities the merchant will benefit from at the point of purchase and beyond.
All encompassing console

With the recent release of the newest version of the USAePay Merchant Console, merchants now have enhanced ways to
manage customer orders and manage their product database. The interface is not only convenient and simple to use; it
promotes productivity with its streamlined functionalities.

The updated virtual terminal features have been optimized to make managing batches, customized reports, fraud
modules, and processing transactions a breeze. The interface is more intuitively designed and configured to function
more like the other apps every merchant is now accustomed to using. "The online user experience has changed drastically
over the past few years. Users expect more and demand more from online interfaces. The new merchant console not only

29