Payment-Gateway-Brochure, Wibmo

1. PAYMENT Digital Payment Solutions for the Modern Business World GATEWAY Business Challenge Businesses are transitioning away from traditional payment methods and embracing modern practices. The modern consumer wants faster and secure online payment options. This includes online banking, UPI, wallets, credit and debit cards, and more. Trying to keep up with the scale and speed of this transition, it becomes important to provide multiple payment options. The challenges don’t stop there. As payment solutions get more flexible, security becomes a concern. Online payment options face several security risks including ID theft, card data theft, and payment fraud. Banks and other independent payment companies are looking for highly adaptive and secure payment solutions. They require robust solutions with low transaction costs that fulfil the needs of modern-day consumers. This is where Wibmo’s Payment Gateway (PG) makes a difference. It is a diverse payment ecosystem that offers various payment methods and a host of much-sought-after features. Product Overview Wibmo’s Payment Gateway is a comprehensive solution offering smooth onboarding, simple integration, ease-of-use, high-end security, multi-device usability, multiple payment modes, card-on-file, standard settlement and chargeback reports, and detailed MIS reports. Salient Features ■ Credit, debit, prepaid card support ■ mVISA / MasterPass / Bharat QR Services ■ Integrated Authorization, Settlement and Pay-out engine ■ Multi-currency support ■ Supports pre-authenticated transactions ■ Configurable ON-US switching support ■ Surcharge and convenience fee model ■ EMV 3DS 2.0 support ■ Ability to support customized card-capture page ■ Easy integration thru simple APIs or web SDK ■ Support for mobile SDK ■ Card-on-File ■ Email invoicing

2. The Wibmo PG Advantage ■ RBI Compliant & PCI-DSS certified ■ Wide variety of card scheme support □ Visa □ MasterCard □ Rupay □ Diners □ JCB ■ Transactions are secured by best-in-class encryption algorithm and highly scalable architecture ■ Hosted model with complete operations support and dedicated 24/7 monitoring ■ License model with white labelling options ■ Extensive fraud management using: □ Bin Restrictions □ 3DS rules □ Card type rules □ Velocity checks □ Card issuing country rules Benefits of Using the Wibmo PG ■ Benefits of Using the Wibmo PG ■ Interchange fees calculation at transaction level ■ Customizable merchant pay-out file formats □ TTUM □ NEFT □ GEFU ■ Auto creation of accounting Journal Vouchers (JV) ■ Integrated merchant management □ Comprehensive dashboards □ Auto downloadable Merchant pay-out reports □ Email invoicing □ AML configuration ■ Integrated management portal □ Bulk merchant onboarding □ Auto settlements □ Daily downloadable reports □ Chargebacks & Dispute management □ Configurable merchant risk profiling □ Scheme & Regulatory reporting

3. How it works Merchant Acquiring Bank Internet Payment Txn Application Modules Merchant Modules ISO Switch Settlements Engine Authorization Engine Onboarding Management Payout Wibmo Payment Gateway Why Wibmo? Wibmo Inc., a Cupertino, California company is a leading provider of payment security and digital payments. □ 20+ years of experience in digital payments □ 2.2 billion transactions processed annually □ Partner for 130 banks, 25 geographies □ PCI-DSS 3.2 certified □ Hosted in a scalable on-demand private cloud Related Products Mobile Payments Holistic solution that offers mobile-first approach to payments Hosted Services Round-the-clock managed services for uninterrupted business https://www.wibmo.co/merchant-solutions/ To get in touch with our team, mail us at sales@wibmo.com or visit https://www.wibmo.com