Orbital Suite
May 2007
What is Orbital Suite?
 Our proprietary suite of e-commerce payment
solutions
 Opens the door to easier internet payment
card processing support and service
 Available solutions include:
 Virtual Terminal
 Payment Gateway
2
The Traditional Model
Merchant
Contract
&
Fees
Web
Hosting
Service
Contract
&
Fees
Payment
Gateway
Service
Transaction
Processing
Service
Payment
Processor
Contract
&
Fees
Merchant
Acquirer
 Merchant Has Three to Four Relationships
 Dependent on Three to Four Vendors
3
The True Data Partner Model
Merchant
Contract
&
Fees
Web
Hosting
Service
Contract
&
Fees
•Payment Gateway
Service
•Payment Processor
•Merchant Acquirer
 Merchant Has At Most Two Relationships
 Dependent on One to Two Vendors
4
Virtual Terminal
 A web-based terminal application hosted by
Paymentech which performs the processing functions
of a physical POS terminal and much more
 For CNP (Card Not Present) transactions only
 Eliminates the need for certification, additional
hardware, software, and dedicated phone lines
 Accessible from any web-enabled PC
5
Web-based Browser
Application
 Merchants simply collect orders off their website or
accept telephone or mail orders. Log in to the secure
Orbital Virtual Terminal site to initiate authorizations,
settlements, refunds, voids, etc.
 Transactions processed directly from the merchant to
Paymentech providing a single point of reconciliation
 No added vendor relationships, technical interface or
support required. Truly a “one-stop” payment solution
6
7
Wide Range of Payment
Methods
 The Orbital Virtual Terminal supports most payment methods
offered by Paymentech.
They include:






American Express
Discover
MasterCard
JCB
Visa
Purchasing Cards – Level II (Customer Code, Tax Amount) &
Level III (Full invoice detail)
 Stored Value/FlexCache
 Fully enabled to allow merchants to manage split shipments,
back orders, and reversals
8
9
Easy Batch Review
 Merchant can view open and closed batch transaction data
 Open Batch – Can view current month and transactions that
have not been settled for up to four months
 Closed Batch – Can view current month and transactions for
prior 6 months
 Merchant can search for transactions by card number, order
number or date which can prove invaluable in resolving
customer inquires and monitoring activity.
 Transaction data is available on screen, in report (PDF format)
and exportable file (CSV Format)
10
11
Easy End-of-Day Closing
 Merchant has control over end-of-day
processing:
 Merchant can specify a time of day (within their
local time zone) to have transactions “auto settled”
which helps the merchant reconcile payments
processed
 Merchant can securely log on and initiate the
batch settlement process at any time
12
Secure, Flexible Access
 Logons can have restricted access rights to provide greater risk
management and audit control at the point-of-sale
Merchants can:
 Restrict users from performing Credits, Voids, or Settlements
 Restrict users to only see a truncated view of the account
number where only the last four digits display
 "Multi-MID" logon may also be created so that merchants with
multiple locations only need to keep track of one logon
 Provides two-level user security access (User ID, Password)
 Data transmission is protected with 128-bit encryption using
Secure Sockets Layer (SSL) protocol, the recognized industry
standard
13
Key-entered and Card Absent
Transaction Tool
 Supports the full range of needs: Authorization Only,
Authorization and Capture, Refunds and Voids
 Merchants can also enter extended order data as needed for
tracking and reconciliation
 Merchants who require a similar product - with the added ability
to physically swipe cards - are ideal candidates for
Paymentech's iTerminal
14
Built-in Fraud Tools

Orbital Virtual Terminal supports:

AVS (Address Verification Service) – Attempt to verify customer
address

CVD (Card Validation Data)




CVV2 (Card Validation Value 2) – 3-digit number located after the account
number on the signature panel of all Visa cards and encoded in the
magnetic stripe
CVC2 (Card Validation Code 2) - 3-digit number located after the account
number on the signature panel of all MasterCard cards and encoded in the
magnetic stripe
AMEX CID (Amex Card Identification Data) - 4-digit number printed, not
embossed, on the surface of each American Express card
DISC CID (Discover Card Identification Data) - 3-digit number located after
the account number on the signature panel of all Discover cards and
encoded in the magnetic stripe
15
Built-in Transaction
Management Tools
 Merchant Selectable Response or MSR allows
merchants to select certain response codes that they
want to auto-decline.
 Example:
A merchant processes a transaction and receives
an AVS response Code G. A Code G is a nonmatching (or bad) AVS Response thus the Orbital
system can automatically decline this transaction if
the merchant chooses to use MSR.
16
17
Profile Management
 Allows merchants to store their customer information (Credit
Card Number, Expiration Date, AVS, etc) in Orbital's databases
for future transaction processing.
 Process subsequent transactions by that customer by Profile

ID
Profile ID can be created by the merchant or assigned by
Orbital
 Alleviates the need for merchants to store sensitive credit card
data on their servers.
 Note: Profile Management is not to be confused with a
recurring program, the merchant will still need to initiate the
transactions using the Profile ID.
18
19
Merchant Requirements
 A PC or Macintosh with:
 Internet access
 Web browser Netscape 4.79 or higher
 Windows Explorer 4.0 or higher
20
Set-up Process
 New Merchant Setup
 Complete boarding process and indicate Virtual Terminal
as the internet solution
 Additional setup form for Virtual Terminal:
 Orbital Setup Information Form
 Existing Merchant Setup
 Complete ASR and choose Virtual Terminal as the
internet solution
 Additional setup form for Virtual Terminal:
 Oribital Setup Information Form

21
Orbital Payment Gateway
 Allows merchants to establish
automated secure online transaction
processing in a true one-stop-shop
environment
 Merchants can use this solution for any
Card-Not-Present processing - meaning
Internet, MOTO or Recurring
22
Broad Range of Interfaces
 Orbital Gateway has been designed to enable payment
processing for the most basic storefronts right up to a highly
integrated e-commerce system. Our integration options
include:

XML Interface - Can be supported by virtually any commerce
server

SDKs (Software Development Kits) - Available to assist
merchants in programming in various languages. Production
versions now available: Java, Perl, C++, COM, .Net

Payment Modules –Paymentech is working to integrate the
Gateway into industry leading commerce solutions like Kurant
StoreSense Shopping Cart
23
Broad Range of Interfaces

Integration Options continued:
 VAR Software - Many software companies have coded to the Paymentech Gateway to
allow merchants a completely integrated solution. Contact the True Data for Orbital
certified VAR information
 Virtual Terminal – Small merchants can harvest orders off their web site and log on to
our Virtual Terminal to initiate card authorizations, settlements, refunds, etc. No
technical integration is required.
 Web Services Interface – A new way of Interfacing over the Internet that offers the
coding simplicity of providing software without actually having to code. Web Services is
independent of Operating System or Programming language
 Batch Processing - Requires the merchant to develop code that generates XML
formatted flat files with message requests. These files can be sent via S-FTP (File
Transfer Protocol for Windows) over the Internet, or FTP (File Transfer Protocol) via
Frame or Dial PPP (Point to Point Protocol). It allows for Multi-Merchant batch
processing of up to 999,999 transactions per file. Due to association rules, CVV2, CVC
and CID are not supported with the Orbital Batch.
24
High Scalability and
Throughput
 Already known for our high capacity and up-time
payment processing, the Paymentech Gateway offers
high levels of throughput, response time, and 24 x 7
availability
 As a combined gateway and merchant processing
service, merchants are not exposed to the risks of
additional “transaction hops” inherent in the use of
third party gateways (such as Authorize.net,
CyberSource, Verisign Payment Services)
25
High Service Availability
 Redundant servers eliminate single points of
failure at the hardware, network and
application levels
 The result: high service availability that
automatically recovers -- all without
interruption of service delivery
26
Wide Range of Payment
Methods
 Orbital Gateway supports most payment methods
offered by Paymentech. They include:









American Express
Discover
MasterCard
JCB
Visa
Purchasing Cards – Level II
Purchase Card Level III – Must be on FDMS "S" Platform.
FlexCache – Must be on FDMS "S" Platform.
Bill Me Later
 It is fully enabled to allow merchants to manage split
shipments, back orders, and reversals
27
Easy End-of-Day Closing
 Merchants can perform End-Of-Day Closing in one of
3 ways:
 Send in a Automated End-Of-Day transaction (from XML,
Software Development Kit or Web Services)
 Log on to the Virtual Terminal and click on "Settle"
 Use the "Auto-Settle" function which allows Paymentech to
settle the merchant’s End-Of-Day automatically at any time
the merchant desires
28
Online Transaction History
 Orbital Virtual Terminal retains transaction history for
merchants to access from anywhere and at any time.
Researching past orders by card number, order
number or date is invaluable in resolving customer
inquires and monitoring activity.
 Data is available on screen, in report (PDF format)
and exportable file (CSV Format).
 All Orbital Gateway Merchant IDs come with free
access to the Virtual Terminal
29
Key-entered and Card Absent
Transaction Tool
 The Orbital system is for “key entered” or “card
absent” transactions only
 Supports the full range of transactions: Authorization
Only, Authorization and Capture, Capture of a
Previous Authorization, Refunds and Voids
 Merchants can also enter extended order data as
needed for tracking and reconciliation
30
Transaction Security
 Data transmission is protected with the industry
standard Secure Sockets Layer (SSL) protocol
 The SSL communications capability is built into our
transaction interface, with all transmissions
encrypted
 Both SSL Socket (SSL TCP/IP) and HTTPS protocols
are supported
31
Network Security
 Paymentech’s production network is protected with a
set of firewalls that prevent any network access to
our servers
 Sensitive transaction data is secured behind internal
layered defenses that prevent direct access to
transaction databases
32
Built-in Fraud Tools

Orbital Gateway supports:

AVS (Address Verification Service) – Attempt to verify customer
address

CVD (Card Validation Data)
 CVV2 (Card Validation Value 2) – 3-digit number located after the
account number on the signature panel of all Visa cards and
encoded in the magnetic stripe
 CVC2 (Card Validation Code 2) - 3-digit number located after the
account number on the signature panel of all MasterCard cards and
encoded in the magnetic stripe
 AMEX CID (Amex Card Identification Data) - 4-digit number
printed, not embossed, on the surface of each American Express
card
 DISC CID (Discover Card Identification Data) - 3-digit number
located after the account number on the signature panel of all
Discover cards and encoded in the magnetic stripe
33
Built-in Transaction
Management Tools
 Merchant Selectable Response or MSR allows merchants to
select certain response codes that they want to auto-decline
 Example:
A merchant processes a transaction and receives an AVS
response Code G. A Code G is a non-matching (or bad) AVS
Response thus the Orbital system can automatically decline
this transaction if the merchant chooses to use MSR.
34
Profile Management
 Allows merchants to store their customer information (Credit
Card Number, Expiration Date, AVS, etc) in Orbital's databases
for future transaction processing


Process subsequent transactions by that customer by Profile ID
Profile ID can be created by the merchant or assigned by Orbital
 Alleviates the need for merchants to store sensitive credit card
data on their servers
 Note: Profile Management is not to be confused with a
recurring program, the merchant will still need to initiate the
transactions using the Profile ID
35
Requirements
 Technical Development Skills
 Secure Socket Layer (SSL) Internet
Connection (S-FTP or FTP required for
Orbital Batch Interface)
 Static IP Address for Source IP
Authentication
 128 Bit Encryption
36
Functionality
 Orbital Gateway supports:







Batch Processing
Online Auths & Online Captures
Online Auth/Capture
Purchasing Card Level II & III
Force Transactions
AVS, CVV2, CVC & CID
All Card-Not-Present transaction types
 Orbital Gateway does not support:
 Private Label
37
Pricing and Setup Process
 Pricing – Eric Machado
 Emachado@reststarinc.com
 Setup – True Data Merchant Services
 True-data@hotmail.com
 631-367-1156 Ext.100
38
Product Information
 Orbital Brochure
 Virtual Terminal Product Sheet
 Virtual Terminal Quick Reference Guide
 Virtual Terminal User Guide
39
Help Desk Numbers

Gateway Support Center:


Phone: 1-866-645-1314 (Domestic)
Phone: 1-813-351-2265 (Merchants
calling outside the U.S.)
Email: emachado@reststarinc.com
Support is available 24 hours per day!
40
Why Orbital Suite?
 Service reliability
 Runs on Paymentech’s technology
infrastructure that currently supports over 100
million items per year and maintains a
99.999% uptime
 Customer Service
 True 24 x 7 x 365 support
 2-3 second response time
41