Integrated Payment Solutions

“...To build lasting relationships through trust while providing customized, compliant, and secure financial technology solutions.

We are making better products, providing better service, and are more passionate about what we do than anyone else in the industry.”

Integrated Payment Solution

1-800-345-PAID (7243)

sales@paymentvision.com

www.paymentvision.com

ABOUT US AND THE INDUSTRIES WE SERVE

About About About PaymentVision PaymentVision PaymentVision “...To build lasting relationships through trust while providing customized, About About About About compliant, and secure financial technology solutions.

PaymentVision PaymentVision PaymentVision PaymentVision We are making better products, providing better service, and are more passionate about what we do than anyone elseNationwide inAvailable the industry.”

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Customers

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1-800-345-PAID (7243) | www.paymentvision.com | sales@paymentvision.com Corporate Corporate Corporate Corporate Overview Overview Overview Overview Founded Founded Founded in 1988 in 1988 and Founded inand 1988 headquartered headquartered and in 1988 headquartered andinheadquartered in in in

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OUR ROAD TO SUCCESS UNDERSTAND 1988-1995

PaymentVision, founded in 1989, a division of Autoscribe Corporation, is an industry-leading, biller-direct, PCIcompliant, electronic payment gateway provider.

PaymentVision offers clients the unified ability to accept ACH, check, cash and credit or debit card payments, through their own call center, automated phone system, online, mobile, walk-in or integrated software API.

AUTOSCRIBE IS CORPORATED RELEASED 1ST DOS (check by phone app)

CREATE

IDEATE

1996-2003 AWARDED 2 PATENTS RELEASED WINDOWS (check by phone app) RELEASED ACH BASED (phone pay app) RELEASED ONLINE IVR PAY SYSTEMS

2004-2011 AWARDED 3 PATENTS RELEASED 2ND GEN (online payment system) RELEASED HOSTED PAYMENT PORTAL (launched Free Bank Routing Number Search) 1 BILLION Transaction Processed RELEASED 2ND GEN (IVR Payment System) RELEASED PAY API OBTAIN PCI COMPLIANCE VALIDATION

GROW 2011-2019 AWARDED 5 PATENTS RELEASED 3RD GEN (online payment system) ACHIVED SSAE 16 5 BILLION Transaction Processed OPEN JACKSONVILLE OFFICE RANKED #3262 ON INC.5000

GROW 2019-NOW AWARDED 2 PATENTS RELEASED TEXT MESSAGE PLATFORM RELEASED 4TH GEN (payweb360) RELEASED UPDATED CASH PAYMENT RELEASED SETTLEMENT PRODUCT (in payweb360)

www.paymentvision.com

With over 30 years of leadership and innovation in the financial technology industry, Autoscribe is using its portfolio of twelve patents and other intellectual property to expand the scope of its business and empower its customers with better financial solutions. Our commitment to respect intellectual property rights by obtaining full pass-through licenses assures hassle-free operations for our customers and partners. As one of the first in the industry, Autoscribe received our first PCI certificated in 2007.

PaymentVision, recently ranked as a top collection products provider by Collection Advisor Magazine, has thousands of customers and processes billions of dollars in transactions annually. PaymentVision clients span several industries and include some of the largest credit unions, banks, consumer finance, and collection agencies in the nation.

Lyons Commercial Data, a division of Autoscribe Corporation, is a premier provider of quality U.S. financial institution data including bank routing numbers and other information critical to transaction processing.

Lyons Commercial Data, founded in 1989, helps processors, financial institutions, and businesses optimize their ACH processes, manage risk, and mitigate fraud by providing quality data via online tools, downloadable databases, and a web services API. Lyons Commercial Data offers quality data services designed to provide cost-effective and reliable compliance support for ACH and check routing verification, bank account verification, OFAC, Anti-Money Laundering, and Know Your Customer efforts. Data security is assured because Lyons Commercial Data processes are built on a PCI-DSS certified platform.

1-800-345-PAID (7243) | www.paymentvision.com | sales@paymentvision.com

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SECURITY & COMPLIANCE

Security and compliance is very important to PaymentVision.

We continue to focus on providing a secure environment that goes above and beyond industry security standards and guidelines.

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1-800-345-PAID (7243) | www.paymentvision.com | sales@paymentvision.com

Security of Personal Information Online security is essential to the success of your business, and helps to build confidence with your customers. Our website and payment services use the strongest data encryption available through a 2048-bit DigiCert encryption certificate.

PCI-DSS Level 1 Certified PaymentVision is a validated Level 1 PCI DSS Compliant Service Provider. We’re on Visa’s Global Compliant Provider List and MasterCard’s SDP List.

SSAE Compliant

PaymentVision’s data centers are SSAE 16 Type II compliant, which means you can have complete confidence that your critical data and infrastructure is in a facility which employs stringent internal business processes and IT controls for the services provided.

Tokenization

Tokenization is technology that replaces sensitive financial account information in a with a random character string, or token. The technology is used to prevent the theft of credit card or bank account data while in transmission or storage.

Hosted Tokenization

Our Patented Hosted Tokenization enables our customers to process payments without exposing an application to financial account data. This system can be used to integrate payment processing functionality without bringing a third-party billing application into the PCI- DSS compliance scope, saving our partners significant time and money.

1-800-345-PAID (7243) | www.paymentvision.com | sales@paymentvision.com

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NACHA Compliance

In addition to having several in-house certified AAPs, PaymentVision’s processing solutions incorporate various processes, procedures, and controls to protect, safeguard, and verify sensitive ACH data.

Reg E & Consent Compliant Our online and automated phone / IVR systems are fully compliant with eSign and EFTA rules for recurring debit and ACH payments including a checkbox, clear disclosure, and an email receipt for online and oral recording, touchtone log, and upon request printed confirmation letter (automated phone / IVR).

Safeguard Compliant Covered financial institutions are required to develop, implement and maintain an information security program that contains administrative, technical, and physical safeguards to protect customer information under the Safeguards Rule. PaymentVision’s solution is built to provide the payments services needed to met these requirements.

Other Compliance Resources Our in-house Compliance Department proactively monitors client processing and provides assistance to clients in avoiding potential issues. Our clients can also take advantage of a number of free resources including webinars, white papers, articles, and infographics on a wide array of payment and compliance topics.

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1-800-345-PAID (7243) | www.paymentvision.com | sales@paymentvision.com

PAYMENT SOLUTIONS

PaymentVision is an industry-leading financial technology firm that helps businesses facilitate electronic payments. Our payment solutions do more than just enable you to accept more forms of payment. They are designed to seamlessly integrate with your existing systems, streamline transaction processing and improve compliance reporting for your business.

1-800-345-PAID (7243) | www.paymentvision.com | sales@paymentvision.com

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ARM, Settelment Offers, Collections Payment Solutions PaymentVision is a leader in providing state-of-the-art payment solutions for collection agencies. Collection agencies of all sizes rely on PaymentVision to offer a variety of payment options, expedite the collections process, and maximize their success rate.

Accept Payments 24/7 Securely process payments anytime through online, call center, IVR, or integrated software solutions.

Settlement Offers Offer customers a self service process to settle outstanding accounts balances at the individual level, facilitate the collection of agreements through our PayWeb360 product, and ensure compliance with both Regulation F and Regulation E by delivering notifications via email and SMS.

Operate Efficiently Accept all forms of payment through one simple system, effortlessly settle to multiple trust accounts, and reduce paperwork and manual processing.

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1-800-345-PAID (7243) | www.paymentvision.com | sales@paymentvision.com

Auto Finance Payment Solutions Auto finance companies, buy here pay here dealers, and other car dealerships can accept a wide variety of payment options like credit card, debit card, and ACH. Limit your risk, improve customer service, and maximize quality customer acquisition today.

Accept Payments 24/7 Securely process payments anytime through online, call center, IVR, or integrated software solutions.

Operate Efficiently Accept all forms of payment through one simple system, effortlessly settle to multiple trust accounts, and reduce paperwork and manual processing.

1-800-345-PAID (7243) | www.paymentvision.com | sales@paymentvision.com

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Government & Municipality Payment Solutions All government agencies are held to strict accountability standards. PaymentVision has complete solutions to help governments and municipalities maximize their budgets, streamline operations, and process payments safely and securely.

Accept Payments 24/7 Securely process payments anytime through online, call center, IVR, or integrated software solutions.

Confidential & Secure As a PCI-DSS Level 1 compliant service provider we ensure the highest levels of security. With our inhouse development and technology team focused daily to ensure top industry standard availability.

Operate Efficiently Accept all forms of payment through one simple system, and reduce paperwork and manual processing.

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1-800-345-PAID (7243) | www.paymentvision.com | sales@paymentvision.com

SETTLEMENT SERVICES

ACH & Check Processing Credit, Debit & Prepaid Card Processing Walk-in Cash Payments Bundled Gateway & Settlement Services Flexible Settlement Options

1-800-345-PAID (7243) | www.paymentvision.com | sales@paymentvision.com

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ACH & Check Processing Enable your customers to submit payments via checks while also supporting streamlined ACH payments.

Streamlined Processing Reduce your returns and streamline data processing by verifying ABA numbers in real-time.

Custom Payment Options Supports single payments in addition to regular and irregular installment schedules.

Low-Cost Processing Eliminate the cost of paper checks and access lowercost methods of payment by utilizing our simplified ACH and RCC payment processing solutions.

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1-800-345-PAID (7243) | www.paymentvision.com | sales@paymentvision.com

Credit, Debit & Prepaid Card Processing Accepting credit card & debit card payments is critical to the success of your business.

With no hidden fees and real-time processing, we can handle all of your transactions.

Available in All Services Accept all card types – including credit, signature, pin-less, flexible spending account, healthcare savings account, and prepaid cards - in any of our payment processing services.

Debit Only Support Some client may restrict payments to debit only .

Our debit card processing solution is available with bin filtering to ensure only acceptable payments are processed.

Debt Repayment Client can take advantage of the card brand debt repayment programs for asignificant reduction in interchange costs for qualifying merchants.

1-800-345-PAID (7243) | www.paymentvision.com | sales@paymentvision.com

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Cash Payments A patented technology platform that bridges cash to digital. It enables in-store cash payments with just a smartphone or code. It is seamlessly embedded into our other digital customer touch points via web or app.

Streamlined Processing Reduce your returns and streamline data processing by verifying ABA numbers in real-time.

Custom Payment Options Supports single payments in addition to regular and irregular installment schedules.

Low-Cost Processing Eliminate the cost of paper checks and access lowercost methods of payment by utilizing our simplified ACH and RCC payment processing solutions.

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1-800-345-PAID (7243) | www.paymentvision.com | sales@paymentvision.com

Bundled Gateway & Settlement Services Bring all your payment solutions under one roof with our bundled gateway and settlement services – any channel and any method of payment.

Unlock Additional Savings Bring all of your payment processing needs under one roof to unlock additional savings opportunities on your settlement and gateway operations.

All-in-One Solution Streamline vendor management, reporting, and accounting operations by consolidating disparate systems through one end-to-end solution.

Quick Approval & Implementation Our in-house Underwriting & Compliance teams ensure a quick application and underwriting process as well as faster on-boarding.

1-800-345-PAID (7243) | www.paymentvision.com | sales@paymentvision.com

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Flexible Settlement Options Keep your existing bank relationships to access your funds faster with no holds or stopovers at corresponding banks and no reserve requirements. Or we can provide you with a free cost analysis for our ACH and card processing services for an all-in-one solution that includes gateway and settlement services.

Bring Your Own Bank Our systems integrate with most banks, so you can keep your existing banking relationship.

No Change to Settlement Operations Leverage our industry-leading payment gateway technology without changing your settlement operations - keeping your existing settlement operations and accounts in place.

Faster Funds Availability Access funds faster with no holds or stopovers at corresponding banks and no reserve requirements.

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1-800-345-PAID (7243) | www.paymentvision.com | sales@paymentvision.com

PRODUCTS & SERVICES

1-800-345-PAID (7243) | www.paymentvision.com | sales@paymentvision.com

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Risk Management Solutions Access an extensive, cloud-based library of tools that can help keep you ahead of the rest.

Every transaction is verified through the Lyons Commercial Data ABA database; with is updated daily to ensure the most recent, accurate, and reliable data.

Account Verification Service Account verification utilizes a combination of realtime account verification and proprietary data to help merchants reduce the risk involved with taking ACH payments.

Reduce ACH Returns Our account verification service works with the majority of U.S. checking accounts and provides merchants with the potential to maintain a better clearing house relationship, reduce hold time, and decrease returns by up to 50%.

NACHA Compliance NACHA requires all merchants who accept ACH over the Internet to have a “commercially reasonable fraudulent transaction detection system” to screen web payments for fraud and administrative returns due to insufficient funds.

Cloud-Based Risk Library Customizable risk management and payment processing rules that ca be applied to all payments or based on specific payment types.

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1-800-345-PAID (7243) | www.paymentvision.com | sales@paymentvision.com

Mobile/Online Payments PaymentVision’s online bill payment services enable customers to pay 24/7 from anywhere, anytime, and any device. Deliver a complete mobile experience that is compatible with any smartphone or tablet device.

Seamless Customer Experience Carry branding to your payment site and allow access with a single click on your website or statement via QR code.

Real-Time Payment Notification Online transaction information posts to your system immediately and automatically.

Self-Service Account Management Providing consumers with the ability to perform account inquiries, update information, view payment history, and more – all without an agent.

Multi-Lingual Available in multiple languages, allowing you to better cater yourself to your customers.

1-800-345-PAID (7243) | www.paymentvision.com | sales@paymentvision.com

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Integrated (API) Payments PaymentVision’s payment gateway API allows for fully integrated payment processing with industry-leading security to remain compliant.

Universal Gateway Accept all forms of payment through one integration – credit card, debit card, and ACH / check.

Multiple Payment Options Process one-time and recurring payments directly within your existing bill payment software.

Leverage Existing Procedures while Reducing PCI Scope Continue to leverage your existing software user interface, minimizing your training and streamline call center agent operations with an integrated payment solution. Maintain card and bank information without liability of storing payment data via hosted tokenization.

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1-800-345-PAID (7243) | www.paymentvision.com | sales@paymentvision.com

Virtual Terminal (Agent) Payments With our virtual terminal, you can leverage your existing customer service team and remain regulatory compliant.

Anywhere Access Provide your team with an online, cloud-based portal for virtual terminal payment processing.

Instant Assistance & Processing Assist customers, update account information, collect payments, view payments made on other channels, access a stored tokenized wallet, and more, all while on the phone.

Easy to Use Our streamlined interface allows for card not present (CNP) and ACH payment options.

1-800-345-PAID (7243) | www.paymentvision.com | sales@paymentvision.com

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Automated Phone (IVR) Payments Provide your customers with a secure, self-managed, multi-lingual phone system, allowing you to collect phone payments automatically, 24/7, without an agent.

Seamless Customer Experience Carry branding to your automated phone payment system including custom branding and transfer.

Reduce Overhead IVR makes quick work of routine payments while efficiently funneling callers with specific needs to your call center agents.

Multi-Lingual Custom voice prompts and call flows are available in multiple languages, allowing you to better cater yourself to your customers.

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1-800-345-PAID (7243) | www.paymentvision.com | sales@paymentvision.com

Card Processing Terminals Our card swipe terminals, together with our virtual terminal solution, enables billers to accept card swipe transactions securely through an all-in-one solution.

Service Walk-in Customers Provide your team with the ability to seamlessly process walk-in and in-person transactions.

Secure & Compliant PaymentVision is a validated Level 1 PCI DSS Compliant Service Provider. We’re on Visa’s Global Compliant Provider List and MasterCard’s SDP List.

Easy to Use Our streamlined interface swipe transaction process enables your team to seamlessly process transactions within the all-in-one PaymentVision system.

1-800-345-PAID (7243) | www.paymentvision.com | sales@paymentvision.com

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Walk-in Payments PaymentVision, through our integrated retail location partners, enable billers to accept inperson payments at thousands of leading retailer locations across the United States.

Service Walk-in Customers Provide your team with the ability to seamlessly process walk-in and in-person transactions.

National Presence Over 30,000 retail locations nationwide, most available at register, during the same hours the store is open.

Network coverage projected to exceed 60,000 retail locations in 2023.

Automated Transaction Posting Leveraging our full-suite of API’s, automatically post cash walk-in payments to your core system for seamless back-office operations.

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1-800-345-PAID (7243) | www.paymentvision.com | sales@paymentvision.com

Text Messages PaymentVision enables billers to send payment reminder notifications, payment confirmation notifications, marketing communications, and more.

Enhanced Customer Experience Provide your customers with an enhanced interactive customer experience with real-time messaging.

Secure & Compliant PaymentVision is a validated Level 1 PCI DSS Compliant Service Provider. We’re on Visa’s Global Compliant Provider List and MasterCard’s SDP List.

Seamless Branding Fully customizable messaging templates that allows billers to target and personalize messaging for each communication.

1-800-345-PAID (7243) | www.paymentvision.com | sales@paymentvision.com

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Email Communication PaymentVision enables billers to send payment reminders, payment confirmations, past due alerts, marketing communications, and more.

Ensure Compliance Provide your customers with custom branded emails for payment reminders, payment confirmations and past due alert that ensure compliance with industry notification rules.

Secure & Compliant Provide payment links to consumers in a complaint secure manner.

Seamless Branding Fully customizable messaging templates that allows billers to target and personalize messaging for each communication.

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1-800-345-PAID (7243) | www.paymentvision.com | sales@paymentvision.com

Convenience Fees Offset transaction processing costs with convenience fees: improve your bottom line, accept payments 24/7, and expedite the collections process.

Regulatory Compliance Our Chief Compliance officer and in-house counsel ensures that PaymentVision understands the many federal, state and card regulations pertaining to a Convenience Fee. We model our product in a way that we feel confident is compliant.

Available in Multiple Products Our convenience fee solution is available across all of our online and IVR-based payment services, better known to end customers as the urgency channels.

Offset Transaction Processing Costs Multiple options for consumer funded payment process to offset and/or reduce your transaction processing costs.

1-800-345-PAID (7243) | www.paymentvision.com | sales@paymentvision.com

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Confirmation Letters PaymentVision provides a printed statement and letter confirmation service to improve your customer experience with payment confirmation letters and reminders.

Ensure Compliance Provide your customers with custom branded emails for payment reminders, payment confirmations and past due alert that ensure compliance with industry notification rules.

Seamless Customer Experience Carry branding through to your confirmation letter and/ or statements to build trust and ensure a consistent customer experience.

Secure Document Center A PDF of each document is archived in a secure, online document center for easy retrieval and viewing when responding to compliance or billing inquiries.

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1-800-345-PAID (7243) | www.paymentvision.com | sales@paymentvision.com

Settlement Offers Leverage our self-service, custom-branded, online tool, to dynamically present your customers with optimal individualized offers to self-settle their debt.

Ensure Compliance Settlement Offers are configurable at the debtor level, stay complaint with your client requirements.

Accept Payments 24/7 Payments can be submitted at anytime - even outside of normal business hours with this online, self-service tool.

Your Best Collections Agent Our cloud-based online payment tool, leverages all of the knowledge of your best collector, in a self-service tool for consumers to settle their debt – without the need for agent interaction.

1-800-345-PAID (7243) | www.paymentvision.com | sales@paymentvision.com

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Contact Us You do not have to worry about getting stuck alone trying to figure everything out. Our team is ready and available to help you with any questions you have regarding our partnership, sales, integration, and more.

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Jacksonville

Gaithersburg

Fort Lauderdale

12276 San Jose Blvd, Ste 624 Jacksonville, FL 32223

9711 Washingtonian Blvd, 440 Gaithersburg, MD 20878

5360 NW 20th Terrace, Ste 203 Fort Lauderdale, FL 33309

1-800-345-PAID (7243) | www.paymentvision.com | sales@paymentvision.com

Contact Us 1-800-345-PAID (7243) sales@paymentvision.com www.paymentvision.com

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