Basic Introduction to PayPal Online Payment Gateways

1. Introduction to PayPal Payment Solutions

2. PayPal Helps Bring You New Customers Pay Pal is: Secure Simple Fast Drivers of Consumer Demand for PayPal Opportunities for Merchants **Source: PayPal survey of small to mid-sized businesses, November 2007 51% Percentage of consumers who would have abandoned their purchase if PayPal payments were not available** 14% Increase in sales for small to mid-sized businesses that added PayPal Express Checkout* * Source: PayPal study of small- and medium-sized businesses, 2006 141M Number of PayPal accounts worldwide

8. PayPal Provides an All-in-One Solution for Online Merchants Customer’s issuing bank Merchant’s acquiring bank Customer Merchant Processor Payment Processing Service Protecting the security of a merchant’s information is the top priority at PayPal. .

10. Common Fraud-Related Risks Using stolen information to open new credit cards Issuing unauthorized credits or payments Identity theft Cash theft Accessing a payment network to complete fraud Accessing payment networks Using a stolen credit card to purchase goods and services Product theft Chargebacks A cardholder disputes a credit card purchase

11. How to Protect Your Business Against Fraud Transaction Level Ensure each transaction you accept and process is valid, and be careful in reviewing suspicious transactions because some may be valid. Account Level Make sure only authorized users have access to your payment gateway account, and be alert for suspicious account access patterns. Network Level Ensure your perimeter is defended against unauthorized access. 1 2 3

14. PayPal Offers the Payment Solution that Meets Your Business Need Pay Pal Products Scenario #1 Accept online credit card payments with minimal effort Scenario #2 Build an all-in-one solution for accepting web, phone, fax and mail payments Scenario #3 Accept PayPal, keep current payment processor Scenario #4 Provide a secure connection from your online store to your merchant account Website Payments Standard Website Payments Pro** Express Checkout** Payflow Gateway

15. Selecting the Right Product for Your Business Product Website Payments Standard Website Payments Pro Express Checkout Payflow Gateway Scenario Accept online credit card payments with minimal effort Build an all-in-one solution for accepting web, phone, fax and mail payments Accept PayPal, keep current merchant account Establish a secure connection between online store and merchant account, and keep merchant account Internet merchant account needed? X X   Where customers checkout PayPal PayPal or merchant’s website PayPal PayPal or merchant’s website Virtual Terminal included? X  X  Business credit approval needed? X  X X

17. PayPal Shopping Cart for Small & Mid-Sized Business Selling Online? Offer your customers security and convenience with PayPal. Using PayPal to process payments within your online store allows you to accept credit, debit and PayPal payments. webShaper e-commerce is fully integrated out of the box with PayPal. Simply select PayPal as a payment option and enter your user ID and password to start taking PayPal payments from your e-commerce site. Test Drive it Today! Logon to http:// www.neowave.com.my /DEMO PayPal E-commerce Store Solution