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Spotlight Innovators

This “industry-first” thinking, and NAB’s recent acquisition of the Los Angeles based merchant services provider Total
Merchant Services (TMS), has led the company to accomplish the honor of becoming the seventh largest processor of North
American merchant transactions. Together, NAB and TMS are now processing nearly $50 billion in transactions annually.
"We are ecstatic about this acquisition," continued Gardner, "TMS has been an industry staple for more than 20 years and
has a history of providing its clients premier business solutions with a strong focus on ease, affordability and customer
service. It is these traits that made this acquisition a strategic fit for us."

More comprehensive offerings
Through the acquisition, NAB gained the portfolio and solutions of a leading payment solutions provider to small and
medium sized businesses, along with its comprehensive suite of sales, payment processing, marketing, and business
management products and services. NAB also incorporated TMS’ integrated payments technology into its service offerings
to help enterprise software developers easily integrate payments with legacy applications. The NAB partner network has
also been enhanced with over 3,000 sales partners, software developers and strategic partners.

With these updated financial and channel benefits, expanded product and service offerings, and enhanced go-to-market
capabilities NAB will have the wherewithal - under single leadership - to expedite processes and streamline an easy and
affordable payments experience for new and existing merchants and resellers.
Most importantly, the acquisition resulted in an important industry consolidation to make it more convenient and
comprehensive for each company’s respective merchant customers. "During this transformational time in the payments
industry, NAB is solidifying its commitment to helping businesses prosper by delivering innovative payment solutions
and outstanding customer service,” Gardner concluded.
Looking for a great company?

If you are looking to represent a progressive processing provider that has an “industry-first” passion and a commitment
to provide the most comprehensive, high-value products and services through a consolidated single-tiered business
model, NAB might be the right stop.

NAB will continue to look for ways to enhance the industry and provide its sales partners with a thought-leading formula
for success. If this is the kind of leadership you’re interested in working under, please check out our programs and
services or inquire about our sales partner program at www.gonab.com, or by calling 1-888-229-5229.

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
industry 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:
Expanding the EMV horizon

P ayment gateway technology is an integral component to any merchant’s payment management system. In fact,

since the advent of IP-based payments, the gateway has been the primary system component for securing and
authenticating cardholder information at the point of transaction.

Gateway technology supports online shopping transactions and payments made through POS software. Application
program interface (API) language is also used to integrate the gateway with a merchant’s POS countertop terminal or
shopping cart application to ensure key transaction data is transferred in real time to a merchant’s business software. On
the front end, the gateway handles the sensitive cardholder data, encrypting it to ensure card brand compliance laws can
be upheld.

For those merchants still using traditional countertop terminals, gateway technology is also instrumental in automating
their daily transaction batches and enabling real-time access to daily transaction data through a web-based portal. With
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