Product: Peppercoin 3.0
Company: Peppercoin Inc.

Micropayments, wee transactions that are small in dollar value but growing in number and revenue-potential in the payments system, are not your typical transactions, so how will merchants accept credit and debit cards for them?

Peppercoin Inc. offers its small transaction suite of software, called Peppercoin 3.0, which enables merchants to accept plastic for micropayments. Even better, acquiring banks, issuing banks, credit card Associations and payment processors can capture a share of the revenue from micropayment transactions by offering Peppercoin's solution to their merchant customers.

First Data Merchant Services, Chase Merchant Services and Moneris Solutions are some of the acquirers working with Peppercoin. Peppercoin 3.0's small-payment platform provides pay-as-you-go, prepaid, subscription and post-paid options, and merchants can experiment and change their offerings over time if needed.

For instance, vending machine operators and parking systems use Peppercoin's software, which enables them to accept credit and debit cards for payment.

The product supports digital, mobile and physical POS markets. Merchants can offer their products and services through different channels, and acquiring banks and payment processors can select one small-payment platform to address their different needs.

In addition, the suite is compliant with the card Associations' rules and regulations and meets the following data security requirements: Visa's Cardholder Information Security Program (CISP), MasterCard's Site Data Protection (SDP), American Express' Data Security Operating Policy (DSOP) and Discover's Information and Security and Compliance (DISC).

The solution will be available in Q2 2005.

Peppercoin Inc.
200 West Street
Waltham, MA 02451
781-890-3800
www.peppercoin.com