Agenda

PayTech – Who we are

Memberships, Synergies and Alliances

PlazaPagos.com and DonativoDirecto.org

PayTech’s Products and Services

New Partnerships

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• PayTech Corporation was founded in 2004 to provide  Automated Clearinghouse (ACH) transaction processing, gateway services and software solutions to businesses throughout the United States and Puerto Rico with the latter being its main target market.

• Since 2006 we have also served several Financial Institutions both as processor and solutions providers as well as technology partners. PayTech’s Ezpay EFS has been private labeled for these Institutions through our “Agent/Partner Bank Program”.

PayTech CorporationOur History

• In December 2011 we acquired the assets of DCAS Software Solutions, PayTech’s infrastructure and software provider since 2004, becoming the heart of PayTech’s processing and transactional center. This acquisition gave PayTech total control and ownership over solutions, processing and infrastructure. This location also provides sales and support to our mainland USA customers.

• As of today, PayTech serves customers in essentially every industry and ranging in size  from Small Businesses and Non-Profits to Fortune 500 companies.

• PayTech processes over $60 million in ACH transactions and over $30 million in credit cards every month.

PayTech CorporationOur History

Important Milestones

2004PayTech

Corporation was born

2005Puerto Rico

Electric Power Authority,

DirecTV and Bancoop

adopt EzPay Platform

2008PayPocket – the

world’s first Blackberry App

for accepting credit cards is

launched

2012DCAS acquisition,

purchasing technology and

assets, including portfolio of over

1,000 clients

2012We’re on target for

processing $1 Billion by November 2012

Full Fledged Merchant Service ProviderPayTech

Proprietary Software

3rd Party ACH Processors

Gateway Services

POS Terminals

Industry Memberships

and Certifications

Payment Facilitator

PayTech provides world class products and services through our proprietary software as well as solutions from industry leading partners.

Paytech Solutions

Transaction Processing

Merchant Services

Business Solutions

Web Development

Our proprietary software fulfills critical needs of today’s business

environment with tomorrow’s technology, facilitating collection

processing

PayTech offers highly competitive rates in credit card processing services as well as a full portfolio of solutions for merchant services

PayTech offers leading edge solutions to help your company

incorporate new technology into everyday tasks

Our web development and digital services are offered through an alliance with Rubycom, a leading provider of internet solutions with a strong portfolio of customers that range from airlines to retail businesses and eCommerce online merchants

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Paytech Solutions

Transaction Processing

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Transaction Processing

EzPay™ Payment Platform

EasySwipe™

EzPay™ Virtual Terminal

PayTech Payment Gateway

FirstPaid Health Care Solutions

PayPocket™ Mobile POS

EzPay™ Checkout API

EzPay™ IVR + Payment

FlexRFID + Payment

EzPay™ Online Bill Presentment

EzPay™ Payment Platform

EzPay™ Payment Platform is the most advanced web-based platform for processing electronic payments.  With its easy to use, yet powerful user interface, EzPay™ enables merchants to perform a single real time transaction or schedule a series of future recurring transactions with just a few keystrokes. EzPay™ supports the processing of credit cards, debit cards and electronic check (ACH) transactions. ◦ 100% Web based platform◦ ACH processing (all types)◦ Credit Card Processing (Visa/MC, Amex, Discover, Diners, JCB)◦ Virtual Terminal, Check Conversion, Payment Gateway, Recurrence, Check 21, Online Bill Presentment and Payment.◦ Unlimited users◦ Department structure to permit deposit segregation per merchant account◦ Automated generation of posting files◦ Complete integration to accounting systems

EzSwipe™

EzSwipe™ is a software solution that helps perform point of sale transactions. This easy and improved method is available to electronically process checks and accept credit card payments at your point of sale. All that is needed is a PC with an Internet connection, our easy to install software and a one-time minimal hardware cost to set up.◦ Terminal POS Software for checks and credit cards processing◦ Internet connection permits authorization between 1 to 5 seconds◦ Easy to install in laptops and PC's◦ No need for hardware or phone lines◦ Online reporting 24/7◦ Works wherever internet connection is available

EzPay™ Virtual Terminal

EZPay™Virtual Terminal enables merchants to manually process credit card and/or ACH transactions through our user Web-based interface. ◦ Web based platform to receive payments by phone within a call center environment (inbound) or collections made by phone calls (outbound)◦ ACH and Credit Card processing◦ Unlimited users◦ Capacity to accept payments at the time of phone call, recurring and installment plans◦ Receipts sent by email when payment is generated◦ Unique confirmation number per transaction◦ Easy Setup of Recurring transactions and Installment Plans◦ More than 20 reports online, real time and exportable to PDF, Excel, CSV, XML and Word files

PayTech Payment Gateway

Paytech Payment Gateway system is a merchant account & credit card processing solution for merchants who need a payment gateway or payment processor for their eCommerce merchant account and payment processing online. The PayTech Payment Gateway works with all major shopping carts. The payment gateway is the connection between the processing Banks and the merchant account. Payment gateways offer secure credit card processing, check processing and oscommerce shopping cart services to accept credit cards online.◦ Gateway with PCI and SAS 70 compliance◦ Direct integration through HTTPS with SSL encryption ◦ Real time response for ACH and Credit Cards◦ Ideal for Shopping Carts, IVR, third party Software and payment websites◦ Certified by Global Payments, Chase Paymentech, FirstData and TSYS Merchant Solutions

EzPay™ Checkout API

The Checkout application programming interface (API) is a protocol from PayTech that allows you to post shopping carts from your web site or your Interactive Voice Response module to your payment platform. The API also enables you to charge credit cards, debit bank accounts (ACH) and refund buyers.An API integration is a good choice for merchants who want to automate their order processing and online payments.◦ Payments are processed on our website, so you don't have to worry about data security◦ Track customer payments by name, customer number, address, driver's license, and more◦ Easy to setup with your existing shopping cart by integrating HTML code into your customer checkout  process◦ Payment Card Industry (PCI) certified secure software ensuring transactions and customer data are safe◦ Customizable branding offers the same look and feel of your website◦ Capture additional customer information that may not be possible with your current shopping cart application

PayPocket™

PayPocket™ provides a mobile payment service to merchants with a simple, manageable and - above all - profitable way of taking mobile payments for an almost limitless range of goods and services. Customers enjoy a frictionless payment process - in other words, a simple, easy-to-use process that is familiar to them - and works on any phone, on any network and with any credit or debit card or from a bank account.◦ SmartPhone application for ACH and Credit Card processing◦ 100% Mobile◦ Processes data through SmartPhone connection anywhere in the world◦ Online reporting 24/7◦ Certified by RIM/BlackBerry

EzPay™ IVR + Payment

IVR - is a technology that automates interactions with telephone callers. Enterprises are increasingly turning to IVR to reduce the cost of common sales, service, collections, inquiry and support calls to and from their company.  PayTech has partnered with Insight Communications to create an innovative payment system that provides your customers a convenient new way to make credit card or electronic check payments using the phone.◦ Interactive Voice Response payment system ◦ ACH and Credit Card Processing◦ External platform requires minimum investment from merchant ◦ IVR integration to Paytech's Payment Gateway provides real time transactions and reporting 24/7

FlexRFID + Payment

RFID utilizes a method of identifying unique items using radio waves. Typically, a reader communicates with a tag, which holds digital information in a silicone microchip. The applications and uses for RIFD are seemingly endless. PayTech has taken a unique approach to designing our FlexRFID solution by allowing our customers, and the RFID community, to develop the customized and personalized user interfaces that they will use.◦ Outsourced payments IVR system◦ ACH and credit card processing◦ Minimal to no investment from merchant◦ Integrated to EzPay™ platform for centralized real time reporting

EzPay™ Online Bill Presentment + Payment

Online Bill Presentment is an Electronic Bill Presentment and Payment Platform, which fully integrates with existing systems to present and collect payments of invoices, dramatically increasing cash flow.◦ Platform that makes possible online invoicing and payment receiving ◦ Web based platform hosted by PayTech ◦ Capability for uploading invoices and invoice images◦ Clients can receive notification every time a new invoice is uploaded◦ Electronic filing for posting in accounting systems

FirstPaid Healthcare Solutions

First Paid Healthcare Solutions is a product suite specifically designed for busy healthcare practices. These web-based tools facilitate upfront patient collections to improve cash flow while increasing staff efficiency and productivity. Start increasing cash flow and reduce your collection efforts today.◦ Web based payment solution within a software that works with your Practice Management System◦ Calculate the cost of medical procedures that are not covered by medical insurance and need to be paid by patient◦ Process payments from patients by credit card or check electronically, all done from your own computer ◦ Maintains record of patient's medical history and payment collection or debt◦ Provides reports that can be integrated to medical insurance invoicing systems

Paytech Solutions

Merchant Services

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PayTech Merchant Services

PayTech offers highly competitive rates in credit card processing services as well as a full portfolio of solutions for merchant services in addition to our own EzPay™ solutions. Our partnership with Vantiv allows us to offer credit card processing accounts throughout the US, Puerto Rico and USVI for:◦ Retail◦ Hospitality◦ Restaurant◦ Mo/To◦ eCommerce◦ Non-Profit◦ Seasonal Merchants

We are honored to be one of the few companies that can offer Amex merchant accounts.

We also provide traditional Point of Sale hardware for processing as well as integration to almost every POS Solution in the market today.  

Paytech Solutions

Business Solutions

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PayTech Business Broadband

PayTech offers broadband services for small, medium and large businesses in the

Puerto Rico territory. All broadband packages can include VoIP services and

are tested secure and reliable for your merchant

processing needs

Interactive Voice Response with Payment

(IVR+P) SolutionOur IVR+P solutions offer the

opportunity to have an automated IVR based

payment system for the convenience of your

customers. The IVR+P is already integrated to your

PayTech EzPay solutions for accepting payments via ACH

or credit cards from your customers.

Totally Automated Payment System (TAPS)

TAPS allows your customer to call in via IVR+P but also gives them the opportunity to register for SMS payment. Once your customer registers for SMS they will be able to receive your bill via text message and pay it simply by responding to the message without having to send or enter any credit card or bank account information.

PayTech Business Solutions

Paytech Solutions

Web Development

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Web Development

Our web development and digital services are offered through an alliance with Rubycom, a leading provider of internet solutions with a strong portfolio of clients that range from airlines to retail businesses and eCommerce online merchants. Services provided include:◦ Web development◦ Hosting Services◦ Multimedia◦ Email marketing◦ Digital corporate identity◦ Application development◦ Shopping Cart applications◦ Social Media strategiesPayTech's transaction processing solutions and Rubycom's internet solutions are the ideal combination for any merchant looking for a best in class package of eCommerce development services and secure processing

Certified Solutions by

PCI Security Standards are technical and operational

requirements set by the PCI Security

Standards Council (PCI SSC) to protect

cardholder data. 

Statement on Auditing Standards

(SAS) No. 70, Service Organizations, is a widely recognized auditing standard developed by the

American Institute of Certified Public

Accountants (AICPA).

FirstData

Vantiv

FNA/TSYSPaymentech

Global Payments

Payment Certifications

Solution and Payment Gateway

Certifications

MembershipsNACHA—The Electronic Payments AssociationNACHA manages the

development, administration, and governance of the ACH Network, the backbone for the electronic movement of

money and data.

EPN is the ACH operator and payment association

of The Clearing House.

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NAOPPNational Association

of Payment Professionals

NAOPP

Top Merchants

Our Team

PayTech’s team members are a

diverse group of multi talented, goal oriented and customer service

focused individuals.

We have a have strong expertise in each specific work area, ranging from programming and software engineering to banking, regulations, customer service and support, IT and Sales

Management.

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TEAM

• PayTech runs a lean operation with a highly motivated team.

• Additional Technical manpower is outsourced through long term alliances with key companies:• Overactive Inc. – IT Support

• Rubycom- Website Development

Synergies and Alliances

Current Top Business Partners

Innovations

Puerto Rico’s First and only Online Payment Portal

This portal allows establishments with no online presence to accept payments in real time, regardless of Bank or Credit Card affiliations, exponentially expanding the potential for credit card payments for a growing number of affiliated businesses in Puerto Rico and the USA.With a seamless integration to our EzPay Plattform, and at no cost to participating merchants, it’s a must have for businesses.

Payment Plattform for over 8,000

Residential Buildings and Gated

Communities in PR.

Credit Cards and ACH transactions

Only, No Debit ATH.

Recurring Payments allowed.

Poner screenshot de Plaza Pago

Over 600 commercial establishments can

receive online payments.

Puerto Rico’s First and only Online PortalFor Monetary Donations

This program, part of our Corporate Social Responsibility initiatives, greatly facilitates donations to anybody’s preferred Non-Profit Organization. With this solution, which integrates the EzPay Platform along with the online presence, any registered organization can accept single or recurring donations in real time from anywhere in the world. This service will greatly expand the potential for credit card donations in Puerto Rico and the USA.The service, usually costing $400 to setup, will be free of charge to participating organizations.

Charitable Donations are now 100% Tax deductable in PR,

promising substantial growth opportunities

Credit Cards and ACH transactions

Only , No Debit ATH.

Recurring donations allowed.

Over 900 Non-Profit organizations in PR. Less than 10% have

online presence.

Catering SMB’s who traditionally don’t accept CC’s

Promises Rapid Expansion of our

affiliated businesses

Branded Mobile POS on iPhone

Simplified merchant affiliation through Payment Facilitator model

Contacts

Cándido Alfonso calfonso@paytechco.com 787-567-1555

Michael Báez mbaez@paytechco.com 787-453-2495

Customer Service sales@paytechco.com 787-774-1555

THANK YOU!