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"It's strictly stored for convenience, but at the same time, it's like having a card on file," Galyuz said. "It's more secure, and
if you were breached, the data would be completely useless since there's nothing to decrypt."

Galyuz also noted the direct sales partner, whether it be an independent sales organization or independent software
vendor, is also able to hold the payment data on file, because, "it is so desensitized, there is no risk involved, and it's
outside the scope of PCI," he said.

USAePay's True Tokenization product is particularly beneficial for smaller market merchants, Galyuz explained, as well
as businesses that use hosted payment forms.

"In a browser-based situation, you are sometimes faced with an unknown entity," Galyuz said. "It could be a man-in-
the-middle attack or malicious code, browser plug-ins, or extensions, and we simply transmit the token, keeping the
cardholder information secure."
Service first

USAePay offers the True Tokenization feature standard to all account holders as part of their commitment to partners,
merchants, and the industry. "We like to offer these security features free of charge, because we believe it benefits our
ecosystem, as well as the entire payments ecosystem," Galyuz confirmed.

Galyuz also said the company has an extensive wiki site online that was designed to help account holders understand the
True Tokenization process better.

For more information, or to how to become a part of the USAePay network, please visit www.usaepay.com or contact a
company representative directly at (866) 872-3729.

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