Verifi provides electronic payment and risk management solutions for merchants. One solution, the Cardholder Dispute Resolution Network (CDRN), connects card issuing banks and merchants to resolve disputes before they become chargebacks. This helps merchants reduce chargebacks by up to 40%, improve customer service, and reduce related expenses. CDRN allows merchants to stop fraudulent orders before shipment.

1. LEADING PROVIDER OF
ELECTRONIC PAYMENT AND
RISK MANAGEMENT
SOLUTIONS FOR MERCHANTS
VERIFI

2. RESOLVE DISPUTES BEFORE THEY
BECOME CHARGEBACKS
CDRN
CARDHOLDER DISPUTE RESOLUTION NETWORKTM
2

3. CONFIDENTIAL | © 2015 Verifi, Inc. All rights reserved 3
MERCHANT BENEFITS
Reduce up to 40%* of your
chargebacks
Resolve customer issues
before transactions become a
chargeback
Improve insight into the nature
and frequency of customer
disputes
Stop shipment of goods before
being shipped to fraudsters
Helps improve customer
service by providing visibility
into customers intent
Reduce operational expenses
related to chargebacks
CDRN is a proprietary network, built by Verifi to
connect US card Issuing Banks with merchants to resolve
cardholder disputes more efficiently and reduce
chargebacks for merchants.
CONNECTING ISSUERS AND MERCHANTS
CARDHOLDER DISPUTE RESOLUTION NETWORKTM
RESOLVE DISPUTES BEFORE THEY BECOME
CHARGEBACKS - CDRN
*CDRN results are not guaranteed. Success is determined on a case-by-case basis and
is dependant upon various factors outside of Verifi’s control.

4. 4
Consumer Dispute
Issuer Processes
Dispute, Credit to
Consumer
Association
Processes Dispute
Acquirer Receives
DisputeMerchant Receives
Dispute
Merchant Processes
Representment
Issuer processes
Merchant
Representment
Consumer Dispute
Issuer Sends Dispute
to CDRN, Pend Case
72 Hours
Association
Processes Dispute
Acquirer Receives
DisputeMerchant Receives
Dispute
Merchant Processes
Representment
Issuer processes
Merchant
Representment
CDRN enables
Merchant to STOP
product shipment
and obtain Refund
from Merchant
Too LATE to take
action and stop
order delivery or
avoid the
Chargeback
CURRENT DISPUTE
PROCESS
CDRN PROCESS
CONFIDENTIAL | © 2015 Verifi, Inc. All rights reserved
CARDHOLDER DISPUTE RESOLUTION NETWORKTM
RESOLVE DISPUTES BEFORE THEY BECOME
CHARGEBACKS - CDRN

5. 5
DIRECT
INTEGRATION
Merchant integrates with
Verifi’s Global Payment
Gateway and Activity
Export to process
transactions and handle
CDRN cases.
SERVICE OPTIONS
STAND ALONE
Merchant processes
payments via an
alternative gateway or
direct with their
Acquirer. Merchant
integrates with Verifi's
Historical file importer to
load payment data into
the Verifi platform, and
Verifi's Activity Export to
handle CDRN Cases.
SELF SERVICE
Merchant uses a browser-
based portal to access
disputes. NO integration
required.
MANAGED
SERVICE
Merchant grants Verifi
access to their CRM to
handle CDRN cases. NO
integration required.
INTEGRATED WEB-BASED PORTAL
CONFIDENTIAL | © 2015 Verifi, Inc. All rights reserved
CARDHOLDER DISPUTE RESOLUTION NETWORKTM
RESOLVE DISPUTES BEFORE THEY BECOME
CHARGEBACKS - CDRN

6. A LOOK INSIDE THE PORTAL
6
State the outcome of a dispute
directly on the “Case Resolution”
page–”Resolved”, “Declined”, or
“Cancelled”
Review the dispute and case
history on a user friendly platform
CONFIDENTIAL | © 2015 Verifi, Inc. All rights reserved

7. RECOVER LOST REVENUE
CHARGEBACK
REPRESENTMENT
7

8. CONFIDENTIAL | © 2014 Verifi, Inc. All rights reserved 8
Today, customers are finding it easier and easier to
dispute legitimate charges. This type of consumer
“shop lifting” or “friendly fraud” leaves you with the
burden of proof, lost goods and service and lower
profits. Recent statistics showed that merchants saw
$11.8 billion in friendly fraud and it continues to grow.
A BIG AND GROWING PROBLEM
CHARGEBACKS IMPACT YOUR BOTTOM LINE
INDUSTRY CHALLENGE
Verifi’s research
showed that, 86% of
the time cardholders
will not contact the
merchant until after a
dispute was filed…or
not at all!
NEGATIVE IMPACTS TO YOU:
•Chargeback fees that can EXCEED $75/chargeback
•Additional Loss of product and services rendered
•Loss of time and resources dedicated to core business
•LOST PROFITS!
14%
28%
58%86%
Cardholder
contacted
merchant
Cardholder
contacted
merchant after
dispute was filed
Cardholder
did not
contact the
merchant
Verifi’s Premier Chargeback Representment & Recovery
Service helps you quickly recover funds lost to
unwarranted chargebacks
WE DO THE WORK - Focus on growing your business by
spending less time and resources managing chargebacks
IMMEDIATELY IMPROVE YOUR BOTTOM LINE - by
successfully reclaiming lost dollars

9. 9
*Chargeback Representment results are not guaranteed. Success is determined on a case-by-case basis and is dependent upon
various factors outside of Verifi’s control.
PROTECTING YOUR BOTTOM LINE
LET VERIFI DO THE WORK FOR YOU AND MAXIMIZE PROFITS
HOW WE DO IT
Protect your business from profits
lost to false consumer chargebacks
Support for all omni-channel
transactions
Deepen insight into existing
operations and chargeback trends
Recover all major payment
brands/types
Lower costs and free up your time
and resources to focus on your
business
WHAT WE DO
Long standing and direct relationships with acquiring banks and
processors provides seamless response and optimal win rates…..in
excess of 50%*
Domain expertise in all the diverse and dynamic dispute evidence
rules allows for quicker resolution, cash flow and maximum results
Recover chargebacks for BOTH card-present and card-not-present
transactions
In-depth analytics and reporting features can help identify problems in
the operation and improve fraud and chargeback prevention
measures
Dispute resolution for all major credit cards (VISA, MasterCard,
American Express, Discover, etc) …..and even PayPal
Our highly trained Chargeback Recovery Specialists handle ALL aspects of the
dispute process; gathering all research, effectively positioning the case evidence for
success and managing all the issuer communications through resolution
CONFIDENTIAL | © 2015 Verifi, Inc. All rights reserved

10. 10
“FAST TRAK” IMPLEMENTATION
Verifi’s “FAST TRAK” Is the quickest and easiest way
to get started in as little as 14 days without any
painful set up challenges
FEATURES
• NO IT needed to get up and running
• NO ongoing labor needed to support the program
• Key activity based reporting to measure all critical
metrics and performance
• Simply provide CRM log in access
FLEXIBLE INTEGRATION THAT MEET YOUR NEEDS
ADVANCED IMPLEMENTATION
Available through customized direct integration with
our Gateway that provides more advanced analytics
and customer/dispute insights.
FEATURES
• In-depth and actionable reporting provides insight
into historical chargeback root causes, effectiveness
of current prevention measures and occurrence
rates over the entire processing lifecycle;
authorization, settlement and refund
• Matching of authorized/settlement data to both
chargeback and transactional data
• Flexible to respond to disputes even if CRM access
is not available.
CUSTOMIZED SET UP OPTIONS
CONFIDENTIAL | © 2015 Verifi, Inc. All rights reserved

11. Processing over $20B in sales volume per year | Managing over 1.2+ MM
chargebacks per year
GET YOU THE HIGHEST WIN RATES AND REVENUE RECOVERED–
A decade of experience and delivering recovery rates over 50%*
NO INTEGRATION HASSLE OR IT REQUIRED – flexible implementation to
get up and running within days at NO cost
WE DO ALL THE WORK FOR YOU– highly trained chargeback
recovery specialists quickly and efficiently process cases on
your behalf, saving you time and money so you can focus on
growing your business
IMMEDIATE RETURN ON INVESTMENT – with our “no risk, all reward”
performance based fee structure, we ONLY get paid based on your
success
CLIENT CASE STUDY
11
*Chargeback Representment results are not guaranteed. Success is determined on a case-by-case basis and is dependent upon various factors outside of Verifi’s
control.
OVER $6.3M
CLIENT
CHARGEBACKS
RECOVERED
CLIENT
WIN RATE OF
51%*
$12.3M
CLIENT
CHARGEBACKS
REPRESENTED
WHY CHOOSE VERIFI?
PREMIER LEADER IN CHARGEBACK MANAGEMENT
SINCE 2005
Fortune 500 Client
Example
CONFIDENTIAL | © 2015 Verifi, Inc. All rights reserved

12. CONFIDENTIAL | © 2013 Verifi, Inc. All rights reserved 12
DIRECT INTEGRATION
Merchant integrates with Verifi's Global Payment
Gateway and grants Verifi access to their CRM.
Verifi imports chargeback data directly from
Acquirers, and combines all data sources to build
a representment to the chargeback. Verifi
submits the representment directly to the
Acquirer on behalf of the merchant.
SERVICE OPTIONS
STAND ALONE
Merchant processes payments via an alternative
gateway or direct with their Acquirer. Merchant
integrates with Verifi's Historical file importer to load
payment data into the Verifi platform, and Merchant
provides Verifi access to their CRM. Verifi can import
chargeback data directly from Acquirers, and combines
all data sources to build a representment to the
chargeback. Verifi submits the representment directly
to the Acquirer on behalf of the merchant.
OPTIONAL SERVICES
• Verifi Activity Export (VAE)
• Customer Service API for CRM access
Verifi processes tens of thousands of chargeback in
a given month and successfully recovers, on
average, over 55%* of represented disputes.
CHARGEBACK
REPRESENTMENT
RECOVER LOST REVENUE

13. CONFIDENTIAL | © 2015 Verifi, Inc. All rights reserved
In 2012, Verifi represented $12.3 million in
chargebacks for one of its clients. Out of
those chargebacks, Verifi was able to win
back nearly $6.3 million for that client.
Resulting in a win rate of 51%* for that
specific client.
MERCHANT CASE STUDY
13
*Chargeback Representment results are not guaranteed. Success is determined on a case-by-case basis and is dependent upon various factors outside of Verifi’s control.
$12.3M
CLIENT
CHARGEBACKS
REPRESENTED
OVER $6.3M
CLIENT
CHARGEBACKS
RECOVERED
CLIENT
WIN RATE
OF
51%*
CHARGEBACK REPRESENTMENT
RECOVER LOST REVENUE

14. 14
OVERVIEW
1. Verifi imports Chargeback data from Merchant’s
Acquirer(s) into our proprietary platform to
manage the representment of the dispute.
2. Merchant will provide Verifi access to the
CRM/order management system for researching
the customer dispute.
3. Verifi’s specialists will review all information to
prepare the response. Our system will transmit
the response and any corresponding
documentation back to the Acquirer for
processing.
FAST TRAK KEEPS IT SIMPLE…
FEATURES
• Customizable workflow allows Merchant, Order and
Customer details to be included on representments
• Capable of supporting multiple types of products or
offers across multiple Acquirers and multiple MIDs
• Advanced filtering capabilities
• Supports Multi-Currency dispute handling
• Supports Acquirer level requirements and best
practices
• Dedicated Integration Manager to support your
account setup and boarding thru ‘Go Live’
• Dedicated Relationship Manager to support any
ongoing questions, regular account status meetings
and service performance reviews
FAST TRAK IMPLEMENTATION
CONFIDENTIAL | © 2015 Verifi, Inc. All rights reserved

15. ONE SOLUTION
ONE PLATFORM
ONE AGREEMENT
INTELLIGENCE® SUITE
15

16. 16
MERCHANT BENEFITS
Identify and stop fraudulent
activity preventing future
chargebacks
Quickly and conveniently
authenticate legitimate online
transactions
Customize rules for specific
transaction types
Our partnership with leading-edge experts in IP address
data, device information and reputation scoring, and
consumer information provide full merchant protection.
RISK MANAGEMENT AND FRAUD COVERAGE
+
INTELLIGENCE® SUITE
ONE SOLUTION - ONE PLATFORM - ONE AGREEMENT
CONFIDENTIAL | © 2015 Verifi, Inc. All rights reserved

17. 17
CONSUMER INTELLIGENCE
Age and ID verification can help reduce
chargebacks by having customers validate
their ID information when submitting a
transaction.
FEATURES
DEVICE INTELLIGENCE
Device profiling can help prevent
sophisticated fraud attacks by identifying the
device used for the transaction.
IP INTELLIGENCE
IP address verification helps reduce fraud by
recognizing IP address that have a pattern of
fraudulent activity, so you can block
transactions from that IP address.
MOBILE INTELLIGENCE
Mobile device profiling can help prevent
fraudulent transactions by pinpointing a
customers location, so you can prevent
purchases in areas with high risk.
PAYMENTS
INTELLIGENCE
Payment authentication with Verified by
Visa and MasterCard SecureCode with
zero liability payment guarantee through
Visa and MasterCard, to help reduce
chargebacks and fraud risk.
CONFIDENTIAL | © 2015 Verifi, Inc. All rights reserved
INTELLIGENCE® SUITE
ONE SOLUTION - ONE PLATFORM - ONE AGREEMENT

18. 18
DIRECT INTEGRATION
Merchant integrates with Verifi's Global Payment
Gateway and the Intelligence Suite is enabled
within the integrated rules engines. As payments
are sent into the Gateway by the Merchant, the
intelligence suite invokes calls to 3rd parties to
enrich the transaction data and enables the rules
engine to accept, deny or mark orders for review.
SERVICE OPTIONS
STAND ALONE
Merchant integrates with Verifi's Global Payment
Gateway and the Intelligence Suite is enabled within
the integrated rules engines. A "verify" transaction
type is used to enable the merchant to screen
orders prior to payment authorization. As requests
are sent into the Gateway by the Merchant, the
intelligence suite invokes calls to 3rd parties to
enrich the transaction data and enables the rules
engine to accept, deny or mark orders for review.
CONFIDENTIAL | © 2014 Verifi, Inc. All rights reserved
INTELLIGENCE® SUITE
ONE SOLUTION - ONE PLATFORM - ONE AGREEMENT

19. A GLOBAL CONNECTION
ON ONE PLATFORM
GLOBAL PAYMENT
GATEWAY
19

20. GLOBAL PAYMENT GATEWAY
A GLOBAL CONNECTION ON ONE PLATFORM
20
MERCHANT BENEFITS
Enterprise reporting
Data analysis
Secure payment solutions
Tokenization
Dynamic transaction routing
Multi-currency
Our PCI Level 1 certified payment gateway enables
connectivity to all of the major domestic and
international acquirer processing networks.
CONNECTING ACQUIRERS AND MERCHANTS
+
CONFIDENTIAL | © 2015 Verifi, Inc. All rights reserved

21. 21
DYNAMIC TRANSACTION
ROUTING
Consolidate and manage all
transaction processing across multiple
merchant accounts through a single
user account.
FEATURES
MULTI-CURRENCY
Accept payment across multiple
international currencies.
SECURE PAYMENT
SOLUTIONS
Securely handle sensitive
payment information without
redirecting the customer.
TOKENIZATION
Safely store sensitive cardholder
data.
DATA ANALYTICS
Define strategies to mitigate
fraud and risk for your business.
ENTERPRISE REPORTING
Monitor and reduce risk while
continuously uncovering ways to
optimize profitability.
CONFIDENTIAL | © 2014 Verifi, Inc. All rights reserved
GLOBAL PAYMENT GATEWAY
A GLOBAL CONNECTION ON ONE PLATFORM

22. RECOVER LOST
TRANSACTIONS AND
RETAIN RECURRING
CUSTOMERS
DECLINE SALVAGE
22

23. 23
MERCHANT BENEFITS
Increase customer retention
and lifetime value
Recover declined transactions
from dead files
Quick and simple
implementation
Performance based pricing
Our close relationship with banking partners allows us
understand why declines occur and the logic necessary to
salvage customers, which enables us to maximize
approval rates by eliminating unnecessary and erroneous
declines.
RECOVER DECLINED TRANSACTIONS
+
DECLINE SALVAGE
RECOVER LOST TRANSACTIONS AND RETAIN
CUSTOMERS
CONFIDENTIAL | © 2015 Verifi, Inc. All rights reserved

24. 24
DIRECT INTEGRATION
Merchant integrates with Verifi’s Global Payment
Gateway. The Decline Salvage service analyzes and
processes the declined authorizations. Approvals
are transmitted back to the merchant’s system for
order fulfillment and processing.
SERVICE OPTIONS
STAND ALONE
Merchant uploads the declined authorizations into
the Verifi platform for analysis and processing.
Approvals are transmitted back to the merchant’s
system for order fulfillment and processing.
CONFIDENTIAL | © 2015 Verifi, Inc. All rights reserved
DECLINE SALVAGE
RECOVER LOST TRANSACTIONS AND RETAIN
CUSTOMERS