Merchant

MERCHANT DEFENDER™

What is Merchant Defender™?

• Merchant Defender™ eliminates clear text credit card

information from a merchant's environment, regardless of their processing method.

How does it work?

• Once activated, Keyed-In transactions (MOTO), Swiped transactions

(Card Present), and E-Commerce transactions (Card Not-Present) function only using encrypted card data. If a merchant attempts to process an actual unencrypted credit card, Merchant Defender™ will defend the transaction attempt by disallowing any data transmission or processing. Keyed-In transactions (MOTO)

• An encrypted keypad will be supplied to any users

that will manually be Keying-In credit cards to process or search for transactions. Swiped transactions (Card Present)

• An encrypted card reader and licensed Gateway SwIPe

software will be supplied to any users that will be performing card present swiped transactions.

• iProcess™ Mobile Payments application will be supplied

to any users that will be performing Mobile Payments (Important Note: an encrypted mobile card reader will be required [see supported hardware devices below] to use iProcess™ with Merchant Defender™ activated. Keying-In of transactions is disallowed). E-Commerce (Card Not-Present)

• Lock down all web based consumer entered payment

data to require collection via patent pending Three Step API™. Reproduction is prohibited without written permission.