Mission NetPay offers various payment solutions- Credit Card

Processing, ACH, Direct Debit, Pay-By-Cash and Mobile-Pay.

NetPay helps merchants facilitate payout channels to affiliates,

partners, and suppliers through Debit Cards, Wire-Transfers

and Int’l Check Clearance.

NetPay authenticates each transaction with it’s unique risk

assessment platform.

Our Goals

To offer

Safer and solid platform to accept payments

Identification of fraudulent buyers

Payment processing of approved transactions.

Continuous decrease of declined transactions and

unnecessary chargebacks.

Simple and manageable tools to transfer payouts to

global partners.

NetPay History

Established in 1997, NetPay software house has became

one of Israel’s leading E-Commerce platform developers.

The company has since developed finance related

software programs and hundreds of e-Commerce sites.

Hand in hand with trade platforms, NetPay started

developing the Payment Processing System in 1999. The

platform was launched in 2002, and is being improved

ever since.

NetPay continues to develop payment solutions,

risk management tools and fraud detection methods.

Services

NetPay services and protects merchants and

card holders, making it:

Safe to Sell

Sure to receive settlements

Easy to transfer funds to partners

We do so through continuous and cooperative

communication with acquiring banks, merchants and card

holders.

Services cont.

NetPay’s business platform ensures:

o Financial stability and continuous support to merchants

and business partners.

o Professional care to customers and card holders.

o Long term commitment to ensure a safe e-commerce

environment.

NetPay’s unique fraud detection and

risk management platform :

Industry and customer’s behavior Patterns Analysis

techniques, as well as professional care to customers and

card holders.

The platform incorporates behavioral artificial intelligence

detection modules to screen and monitor each

transaction, as well as each attempt to use a credit card

through the Fraud-Guard system.

Risk Management & Fraud Detection

Risk Management & Fraud Detection

Three layer risk analysis :

1st layer: Errors on the gateway's filters

Transactions are blocked for Invalid Expiration Date,

Invalid Card Number, Invalid CVV2, Auth Code/Trans

ID/Credit Card Number Mismatch, unable to

recognizing CC company, Illegal BIN number and others.

Risk Management & Fraud Detection

2nd layer: Risk Scoring measurement

Black listed card number, past charge backs, blocked

customers, Geo-Location Conflict, Negative

Databases, Suspicious IP Address  - Anonimyzer, IP

Conflict, and other factors.

Risk Management & Fraud Detection

3rd layer: Artificial Intelligence Detection

Through our own industry leading algorithm we are

able to identify user’s history, even when blocked and

hidden by the user.

Risk Management & Fraud Detection

Using the platform today we keep CHB ratios well below

MasterCard and Visa requirements, while keeping decline

ratios

low for different individual sites who use our platform.

Payment Processing

Using our International banking relations enables us to

process merchants from diverse Geo zones.

We have solutions for various MCC coded merchants

Merchants enjoy safe receivables through direct bank

transfers.

We operates with full transparency with our partner

banks as well as with our merchants.

Payout Solutions

Flexible Payout Channels

Wire Transfers and International check clearance:

Receive check payments in different currencies and we will

transfer

it to your local currency account at a low cost and swiftly.

Our Staff

Our mission is to cultivate highly skilled employees:

Our staff is cultivated & composed of professional and experienced manpower

with training from European banks in the industry.

Staff members at NetPay have academic degrees in finance and economics

and experienced knowledge of card payment clearing and processing.

We employ Compliance Officers to ensure that the company and its

employees comply with all relevant internal, US and European laws,

regulations and Ethical standards of e-commerce and Payment card industry

standards (PCI).

Compliance is an essential element of our corporate governance.

Staff Members

We facilitate highly motivated and experienced employees that empower our

corporation with creative knowledge based on experience, to ensure steady

growth and development. Some examples of our staff members include:

Mr. Yoni Roth – Mr. Yoni Roth – A former V.P of Visa Cal (one of the world’s largest acquiring

banks) with extensive experience in card processing rules and regulations, AML,

compliance and risk assessment.

Mr. Alon Elbaz – Mr. Alon Elbaz – Entrepreneur with 20 years of development experience in the e-

commerce and billing industry, developed transaction routing based applications

that are currently used by major financial institutions around the world.

Industry

Selling Financial Services - a national mission

Our ability to import capital

For processing through independent banking systems, which we will assemble in the

country and through them we will create benefits to companies around the world, to

existing customers and systems.

Executive Panel

Real Time monitoring

Merchant configuration Panel- 1

Merchant Options Configuration Panel-2

Merchant Risk Configuration Panel-3

Gateway Summary report by Currency

Conclusion

What we deliver to our associates:

Financially strong and stable partner

“PayPal-ready” proven solutions

Diversified tools and ways to process and transfer payments globally

The right operational structure and human resources to run a safe

and profitable organization.

The right tools to handle risk and fraud, thus protecting our

merchants and banking alliances.

We wish to thank you

for the opportunity to

present our company and values.