Payment Express is a high growth, innovative global leader in payment technology. Providing PCI DSS compliant payment solutions, we’re certified with all major card schemes. A global end to end platform for e-commerce, retail and unattended that facilitates payments seamlessly in real time.

1. PAYMENT EXPRESS
Los Angeles . London . Sydney . Auckland
www.paymentexpress.com

2. PORTALS, CONTENT, COLLABORATION
OVERVIEW OF PAYMENT EXPRESS TECHNOLOGY PORTFOLIO
PX
SWITCH
PX HOSTED & MERCHANT
HOSTED PAYMENTS

3. CONVERGED SOLUTION
PAYMENT EXPRESS CONVERGED CARDHOLDER SOLUTIONS
PX
SWITCH
PX HOSTED & MERCHANT
HOSTED PAYMENTS

4. THE LEADER IN PAYMENTS TECHNOLOGY
WE EMPOWER
PAYMENT TECHNOLOGY FOR
YOUR ADVANTAGE
SOLUTIONS
Innovative full-end-to-end
cloud-based payment platform
Full Web-Based Reporting
On/Off Street Parking
Vending
POS Terminals
E-Commerce
OUR SERVICES
Core disciplines for your advantage
24/7 Support Service
Business Analysis 
Project Management 
Development 
Quality Assurance
WE EXECUTE
THE ATTITUDE AND KNOWHOW TO
CONSTANTLY DELIVER GREAT RESULTS
 Established 1997
 Offices in Sydney, Auckland
Los Angeles and London
 Certified in 10+ regions with
multiple banks and schemes
 All IP and infrastructure
owned by Payment Express
 15,000+ merchants
 Direct VISA link
 More than US $40b of
payments processed in 2013
 Exceeds global security
standards
 Largest independent IP
Payment Gateway in
Australasia




SOLUTIONS
SERVICES
AT A GLANCE CREDENTIALS
WE UNDERSTAND
PAYMENTS TO THE FULL,
AND WORK WITH A LEADING
NETWORK OF PROVIDERS
SCHEME PARTNERS
BANKING PARTNERS
INDUSTRY PARTNERS
 VISA
 MasterCard
 AMEX
 Diners
 Discover
HOW WE
CONVERT OUR
TECHNOLOGY
FOR YOUR
ADVANTAGE
Interwoven team
skills striving to
provide the best
solutions
Product innovation.
Excellence in
deployment and
support
Openness, enthusiasm,
and a passion for customer
satisfaction
Leaders in
payment development
OUR
PEOPLE
CULTURAL
FIT
EXECUTION
OUR
VISION

5. PAYMENT EXPRESS GLOBAL ACQUIRER NETWORK
OUR
ESSENCE
OUR
ESSENCE
Australia Canada USA Asia
American Express
ANZ Bank
Bank of Queensland (BOQ)
Bank of South Australia
Bendigo
BWA Merchant Services
Citibank
Commonwealth Bank
Diners
National Australia Bank
St George
Westpac
Elavon
Chase Paymentech
Interac (in progress)
American Express
Bank of the West
Bank of America Merchant Services
Chase Paymentech
Citibank
Deutsche
Diners
Elavon
First Data
First Horizon National
Key
PNC
Regents
Regions Bank
Suntrust
TSYS (in progress)
UMB Bank
Union Bank of California
U.S. Bank
Wells Fargo
Whitney Bank
First Data Merchant Solutions
Macau
Singapore
Brunei
Malaysia
Hong Kong
Pacific Islands New Zealand South Africa UK
American Express
Diners
Westpac Fiji
Westpac Cook Islands
Westpac Tonga
Westpac Samoa
Westpac Papua New Guinea
Westpac Niue
Westpac Vanuatu
Westpac Solomon Islands
Payment Express
American Express
ASB Bank
ANZ
Bank of New Zealand
Diners
Kiwibank
Westpac
American Express
ABSA
BOE
Diners
FNB
Nedbank
American Express
Barclaycard (incl. Ireland)
Diners
Elavon Europe
First Data
Global Payments (formerly
HSBC Merchant Services)
Lloyds TSB
Worldpay (Streamline)

6. PAYMENT EXPRESS GLOBAL ACQUIRER NETWORK
USA
CANADA

7. PAYMENT EXPRESS GLOBAL ACQUIRER NETWORK
NEW ZEALAND

8. PAYMENT EXPRESS GLOBAL ACQUIRER NETWORK
AUSTRALIA

9. PAYMENT EXPRESS GLOBAL ACQUIRER NETWORK
UK

10. PAYMENT EXPRESS GLOBAL ACQUIRER NETWORK
UK
SOUTH AFRICA
PACIFIC
ISLANDS
ASIA

11. IMPLEMENTATION
DELIVERING SUCCESSFUL PROJECTS TO OUR CLIENTS
OUR
ESSENCE
OUR
ESSENCE
(BAU)

12. DEDICATED SUPPORT
COMPREHENSIVE MERCHANT SUPPORT
► Our support starts from and includes:
ENQUIRY  APPLICATION  DEVELOPMENT  DEPLOYMENT  POST SALES
► Dedicated and technically competent support team
► Full system monitoring, providing proactive support
► Email response turnaround <4 hours (sales and general technical support)
► 24* 7*365 support

13. ► Removes the risk involved with the merchant storing credit card data
► Payment Express hosts and manages the payment page in its PCI
compliant data centre, which is secured by its own SSL certificate,
ensuring end to end accountability
► Supports all transaction types and processes payments in real-time
► Customisable payment page (with custom CSS)
► Suited to all sizes of merchants
► Highly cost effective and operates on an extremely robust infrastructure
► 3D Secure and CVV2 verification
► Supports multi currency transactions
► Token creation and re-billing
► Comes with Payment Manager - Payline®, to process manual payments,
refunds and generate reports
ECOMMERCE PRODUCT OVERVIEW
PXPAY 2.0
HOSTED PAYMENT PAGE

14. ECOMMERCE PRODUCT OVERVIEW
► Safe and secure way to pay for goods and services online
► Create a one –off payment utilising the online banking system
► All the bank security features are implemented
► A great alternative to credit card payments
► Payment page look and feel is customisable via online wizard
► All customer input is securely handled and passed to the bank
► Real time notification
► Two ways to integrate: A2A Standalone and A2A via PxPay 2.0
ACCOUNT2ACCOUNT

15. ECOMMERCE PRODUCT OVERVIEW
► Wide range of integration components that will allow you to accept payments from your own secure
server which include:
PX Post - XML posts directly from client application to Payment Express
PX Webservice - Simple SOAP connection
PX Fusion - Combination of PX Webservice and a form of POST directly to Payment Express
DPSAuthSSL - COM object solution
► Designed with security in mind so you never have to come in contact with sensitive credit card information
► Seamless Integration
► Token Billing Capable
► Merchants need to have their own SSL certificate with merchant hosted payment pages
► Payment page is managed and customised by the merchant
► Comes with Payment Manager - Payline®, to process manual payments, refunds and generate reports
MERCHANT HOSTED PAYMENT PAGES

16. E-COMMERCE OVERVIEW
E-COMMERCE SECURITY
► Our systems are managed by a world-class IT team that ensure all PCI
requirements are met
► Use of enterprise grade firewalls with IPS (Intrusion Prevention System)
► Constant, detailed monitoring of systems and network
► Testing and development completed to meet OWASP standards
► Mandatory HTTPS (SSL/TLS) on all APIs and payment pages
► Separate channels for handling standard and secure data
► Advanced products designed ground up to meet security standards
(PxPay2.0 andPxFusion)
► 3D Secure integration (Verified by Visa, SecureCode, and SafeKey)
► Mandatory CVC2 checking
► Dedicated encryption hardware for secure tokenisation
► Advanced risk management for card fraud detection
► Phishing prevention mechanisms
► Detailed payment session information tracking

17. FEATURES AND BENEFITS
UNATTENDED PRODUCT OVERVIEW
Payment Express is the global leader in card acceptance systems for unattended
cashless devices with over 30,000 machines connected to its network.
Payment Express owns the hardware design, intellectual property and processor
platform, ensuring end to end accountability from card swipe to bankcard provider
► Compliant with the latest global security standards:
EMV Level 1 & 2
PCI PTS 3.x
PCI RED (Secure Reading and Exchange of Data)
PA DSS v2.0
PCI PED
► End to end message encryption
► Contactless Capable
► Comes with Payment Manager - comprehensive fleet and transaction
management tools, available in real time over the internet
► Modular design to cater for all requirements
UNATTENDED PAYMENT TERMINALS

18. FEATURES AND BENEFITS
UNATTENDED PRODUCT OVERVIEW
► Compliant with the latest global security standards :
EMV L1 and L2 certified
PCI SRED (Secure Reading and Exchange of Data)
PA DSS v2.0
PCI PTS 3.x
► Highly integrated secure processor
► Hardware accelerated encryption (Triple DES, RSA and AES)
► DUKPT key management
► End-to-end encryption of all data
► Secure FIPS140 rated micro with active tamper
► Contactless Capable with BRF210
► Employs 3DES encryption with tamper detection
► Real time monitoring and proactive alerting systems
► 24*7*365 support
► Certified with leading parking manufacturers
SCR200 & MODULAR SYSTEM

19. UNATTENDED PRODUCT OVERVIEW
SCR200 SECURE CARD READER
► Combined magnetic stripe card and ICC (chip card), reader
► End-end encryption of all data
► Robust anti-tamper zinc design
► Employs industry leading 3DES encryption with tamper detection
► Designed to combat skimming attacks
► Rapid transaction processing time - sub 3 second online authorisation
► 32-bit ARM7 crypto-processor
► 2 SAM interfaces
► 4 RS232 serial ports
► Size - 100.2mm (w) x 71.2mm (h) x 140.2mm (l)
► Real time monitoring and proactive alerting systems
► Certifications: EMV Level 1 & 2
PCI PTS 3.x
PCI SRED (Secure Reading and Exchange of Data)
PA DSS v2.0

20. UNATTENDED PRODUCT OVERVIEW
SKP200 KEY PAD
► Certified with leading parking manufacturers
► 32-bit ARM7 crypto-processor
► RS232 serial port
► Robust zinc design
► Backlit plastic keys
► 2.6” monochrome LCD display, 128 x 64 pixel
► Rear mount metal bezel
► Size - 92mm (w) x 139mm (h) x 31.7mm (d)
► Accepts PIN transactions
► Contactless Antenna (optional) with BRF210
► PCI PTS 3.x certified

21. UNATTENDED PRODUCT OVERVIEW
BRF210 CONTACTLESS ANTENNA
► Supports contactless payments with visa PayWave,
MasterCard Pay Pass, American Express and Discover
► Contactless card interfaces - ISO14443A/B
► Supports closed loop proprietary payment cards (e.g
MiFare)(with firmare update)
► FeliCa (with firmare update)
► SAMs card interfaced - optional (external)
► 2 RS232 serial ports
► 4 display LEDs - vertical or horizontal orientation
► DC Input 5Vdc to 40Vdc
► 3W max power consumption
► Size - 95mm (w) x 85mm (h) x 22mm (d)
► Certifications: EMV Contactless L1 & L2
PayPass 2.1/ 3.x
PayWave 2.1

22. INTEGRATED EFTPOS OVERVIEW
UNATTENDED TERMINAL SECURITY AND ENCRYPTION
► Superior software and key loading procedures helps mitigate risk
► Confidential data is only handled by volatile memory
► Advanced cryptography is used to encrypt card data at the point of
swipe
► Every card is encrypted using a unique dynamically generated key
► The POS software receives and transfers the encrypted data via a
secure channel to the Payment Express server
► The terminal features a compact, robust design with tamper
detection
► If tamper is detected, all encryption keys are erased from the
terminal
► PCI 3.1 SRED (Secure Reading and Exchange of Data)
► EMV L1 and L2 certified
► PA DSS v2.0 certified

23. INTEGRATED EFTPOS OVERVIEW
FEATURES AND BENEFITS
► Leading broadband EFTPOS solution
► Fully integrated system – EFTPOS works in harmony with your POS
► USB Plug and Play – easy to install
► Contactless
► Significant cost savings and value adding features
► Exceeds all global security standards and future proofs against new mandates
► 24*7*365 standard support
► Create detailed reports of all EFTPOS transactions in real time with our feature
rich web based reporting tools
BROADBAND EFTPOS
 iWL250
 iPP350

24. INTEGRATED EFTPOS OVERVIEW
INGENICO IWL250 WIRELESS TERMINAL
FEATURES AND BENEFITS
► Mobile handset with full set of payment capabilities, including
contactless enabled
► Meets EMV and PCI security standards
► Outstanding battery life
► Fast, fully integrated printer
► TFT colour display
► Integrated with all leading POS systems
► Reduce reconciliation time with Payment Express’ feature rich
web based reporting tools
► Supports both GPRS and Bluetooth
► Lightest and smallest wireless terminal on the market

25. INTEGRATED EFTPOS OVERVIEW
INGENICO IPP350 PINPAD
► Lightweight, stylish and compact
► TFT colour display
► Plug and Play Contactless payment module
► USB Plug and Play or RS232 powered
► Kensington security slot anti-theft system
► Paymark certified and fully EMV compliant
► PCI PTS V3 certified
► ARM7 crypto processor dedicated to handle all security-based
functionality
► Reduce reconciliation time with Payment Express’ feature rich web
based reporting tools
► Integrated with all leading POS systems
► Tailored design for the retail market

26. ECOMMERCE PRODUCT OVERVIEW
RECURRING BILLING
► Automate recurring transactions quickly, simply and securely using a number of
PCI DSS compliant options:
API Integration
Batch Processor
Payment Express Tokenised Payments
Payline
► Eliminates the need to store sensitive credit card data
► Supports tokenised payments
► PCI DSS compliant options

27. ECOMMERCE PRODUCT OVERVIEW
► Two options for batch processing:
CSV Spreadsheet Batch Upload via Payline
Payment Manager Batch Processor
► Capable of processing thousands of transactions in one batch job
► PCI DSS compliant
► Supports all transaction types eg purchase and refunds
► Supports tokenised payments for PCI compliance
► Easy to reconcile transactions using Payment Express’ feature rich web
based reporting tools
BATCH PROCESSING

28. ECOMMERCE PRODUCT OVERVIEW
IVR - TELEPAY
FEATURES AND BENEFITS
► Easy to use, dial a single phone number to
process your payment
► Fully PCI-DSS compliant
► Customise your own voice prompts to fit with your
organisation
► Real-time notification response of each and every
transaction
► Alert notification via email/text for any downtime
► Available to customers 24*7*365

29. ECOMMERCE PRODUCT OVERVIEW
PAYMENT MANAGER - PAYLINE®
CLOUD REPORTING PORTAL
► Recurring Billing
► Set and forget payments
► Ability to view and report on all transactions in real time
► Comes with reporting functionality that allows quick and easy
reconciliation
► Billing Vault – Secure Storage of credit cards
► Process mail order / telephone orders
► Scalable – perfect for call centres
► Multiple logins with difference privileges
► Each individual Payline user can be configured with privileges to meet
their required needs
► Manage transactions and devices in real time

30. CONTACT DETAILS
OUR
ESSENCE
OUR
ESSENCE
TECHNICAL SUPPORT
► Global Email: support@paymentexpress.com
► NZ Phone: 0800 729 6368 or +64 9 309 4693
► AU Phone: 1800 006 254 or +61 2 8268 7700
► US Phone: 1 877 434 0003 or +1 310 670 7299
► UK Phone: 0800 088 6040 or +44 20 3176 5551
STRATEGIC PARTNER RELATIONSHIP MANAGER
► Darren Ede
► Email: darren.ede@paymentexpress.com
► AU Direct Dial: +61 2 8268 7710