FOR A BARRIER-FREE PAYMENT PROCESSING SOLUTION

Process secure transactions and turn online browsers into buyers Accept payments anywhere you

are with our mobile terminals Accept secure debit and credit card

payments with fast processing

PAYMENTS IN-STORE PAYMENTS ON-THE-GO PAYMENTS ONLINE

eCommerce I Mobile I Wireless I Integrated I Countertop Solutions eCommerce I Mobile I Wireless I Integrated I Countertop Solutions

ABOUT US

With its headquarters in

Toronto, MONEXgroup is the

leading independent provider

of payment processing

services in Canada.

OUR SOLUTIONS

Our solutions simplify the acceptance of Debit card and Credit card payment processing through various platforms including eCommerce, Integrated Solutions, Countertop Terminals, Wireless Solutions, Virtual Terminals and Mobile Checkout.

OUR EXPERIENCE

Our industry leading customer service, proven expertise, innovative and secure technology are several of the instrumental reasons why MONEXgroup was awarded and ranked as the #1 Payment Processor in Canada (by TopCreditCardProcessors.ca).

ABOUT US

PRODUCTS

SECURITY

INDUSTRY

25,000+

BUSINESSES

PROVEN

EXPERIENCE

LARGEST

INDEPENDENT PROCESSOR

I would recommend

MONEXgroup’s services to any

business that is looking for

reliable, outstanding service and

a partner they can count on.

”

~ Director of Operations,

Hero Certified Burgers.

OUR MISSION

Our mission is to provide innovative, cost-effective and stress-free payment processing solutions to our customers.

OUR OFFER

SOME OF OUR CLIENTS

together with you to understand and meet

your unique business needs.

OUR VISION

To be the leading customer-focused payment provider – offering exceptional service and innovative payment solutions throughout Canada.

SERVICE TRANSPARENCY PAYMENT

TECHNOLOGIES SECURITY & RELIABILITY PARTNERSHIP

CONTACT US:

1.866.830.4579

PRODUCTS

SECURITY

INDUSTRY

VX 810 Duet

Countertop

Fast, Flexible and Reliable

Unmatched security and reliability

Ideal for high traffic and high volume environments Dial back-up feature: to continue processing in the event your IP connectivity is unavailable

iWL250

Wireless - GPRS

Pocket Sized Mobile Payment Solution

Pay anywhere your customers are with clear reception Built-in printer, fastest in the market

Stay connected, no more dropped transactions

Gateway Solutions

eCommerce Orbital

eMarketplace that is Open 24/7

Process payments from anyone, anywhere

Fully customizable for services that best meet your needs Customize your payment flow through a Hosted or

Non-Hosted Checkout solution

Solutions

Integrated

Reduce Errors, Maximize Efficiency

Integrated and semi-integrated solutions

Gain visibility into your finances Eliminate double entry errors at both the POS and PIN Pad Compatible with almost any Integrated Retail Management (IRM) software

IN-STORE

PAYMENTS

ON-THE-GO

PAYMENTS

E-COMMERCE

PAYMENTS

INTEGRATED

PAYMENTS

*Also available with Bluetooth

Tap & Go Tap & Go

PRODUCTS

Our solutions have been specifically

designed to help our clients provide their

customers with a seamless experience,

letting you focus on your business –

rather than your payment solution.

~ Business Owner, Mr. Sub

Since switching to

MONEXgroup, I save

between 25-30% on

my monthly payment

processing costs.

WIRELESS

SOLUTIONS

WEB-BASED

SOLUTIONS

The Easiest-to-Install PIN Pad on the Market

Standalone

Integrates to your IRM software Accept PIN-entry and contactless payments

Multipurpose

This high-speed terminal is fully bilingual

Accept all types of electronic card payments without requiring an interface with a POS system / IRM software

Add on an optional customer-facing PIN Pad (iPP320) for contactless payments

iCT220

Countertop

iPP320

PIN Pad

Light Weight, Stylish and Self Contained

A compact device with colour screen and built-in contactless reader

Process all types of debit and credit payments, including Chip & PIN, swipe and contactless Combines an ergonomic keypad with a high-speed thermal printer

iCT250

Countertop

For Businesses on the Move

Transform your mobile device (iOS, Android or iPad) into a secure payment terminal No need for additional phone lines or hardware

Use existing hardware for mobile commerce

Mobile Checkout

Solutions

iWL220

Pay@Table - Bluetooth

Fast and Efficient

Accept payments anywhere inside or within close proximity to your location

Built-in thermal printer and contactless reader

Secure Transaction Processing

Accept online payments Simple integration to your website

Efficient and Cost Effective

Leverage your existing PC and internet connection

No need for additional phone lines or hardware

Supports recurring payments No up-front capital expense

Virtual Terminal

PC Based

Hosted Checkout

Solutions 24/7/365 Multilingual

Service Next Day Deposits

2-4 Hour/7 Days a week Onsite Swap Service

Online Reporting Transparent Pricing;

No Hidden Fees

Source: PCI Security Standards Council. Visa. MasterCard, Merchants – CA, 2014. For more information, visit: https://www.pcisecuritystandards.org/

SECURITY

MONEXgroup provides you with

the latest PCI complaint

technology where we secure your

success and help you focus on

building and retaining

relationships with your customers.

Implement Strong Access Control Measures

Restrict access to data by business need-to-know Assign a unique ID to each person with computer access Restrict physical access to cardholder data

Regularly Monitor and Test Networks

Track and monitor all access to network resources and cardholder data

Regularly test security systems and processes

Maintain an Information Security Policy

Maintain a policy that addresses information security

PCI SECURITY STANDARDS GOALS

TO MERCHANTS

Build and Maintain a Secure Network

Install and maintain a firewall configuration to protect data Do not use vendor-supplied defaults for system passwords and other security parameters

Protect Cardholder Data

Protect stored data

Encrypt transmission of cardholder data and sensitive information across public networks

Maintain a Vulnerability Management Program

Use and regularly update anti-virus software

Develop and maintain secure systems and applications

SECURITY

INDUSTRY

SECURITY MEASURES

Authenticated Use of Card; where the use of pin reduces the possibility of fraud due to lost, stolen or counterfeit cards.

Reduces the Risk of Chargeback; where Chip and Pin technologies verify the signature and eliminates your responsibility for Authentication.

Supports Faster Authentication; with inserting PIN and verifying the user making checkout quicker.

Magnetic Stripe Cards; compatible with other international and regional standards, allowing your customers to use their cards on your terminal.

1. Chip and Pin Technology :

POS Equipment; which comes with Account Verification System. CVV2/CVC2. Duplicate Card Checking. Last Four-Digit Entry. Password Protection of Key Functions.

Online Reporting; with full Accessibility to Transaction Data. Speed of Service. Reliability. Reporting System.

2. POS Fraud Prevention :

MONEXgroup suggests:

Protect your POS Equipment. Safeguard

the Equipment in the POS Area. Teach

your staff how to recognize and prevent

equipment tampering.

Account Security Verification (AVS); which verifies the cardholder’s billing address with the card issuer.

Card Security Verification; by looking at the credit card’s security value (non-embossed 3-4 digits code) and check it against the issuer’s value on file. Payment brand security programs i.e. CVV2 (Visa®_{), CVC2 (MasterCard}®_),

CID (American Express®_{) and CID (Discover}® _Card). Payment Brand Data Security; to help you comply with payment brand data security programs.

VISITORS

CONVERSIONS

Online Store

Source: eMarketer.com: “Retail E-Commerce Sales in Canada to Near C$30 Billion, 2015.

Source: eMarketer.com: “Retail E-Commerce Sales in Canada to Near C$30 Billion, 2015.

INDUSTRY

E-COMMERCE REVENUES

In 2014, E-tail in Canada reached $25.37 Billion. According to eMarketer Digital Sales, the online sales figures will grow by 16.8% in 2015, reaching $29.63 Billion.

The forecasted continued success of E-Commerce is based on historical records, growing trend of online shopping, ease of online payment processing and competitive pricing. The annual E-tail sales in Canada is projected to constantly grow by 2% and is estimated to reach to $43.95 Billion by 2018.

Traditional retail businesses are increasingly moving to E-tail channel integration to complement their storefronts. Selling online has enabled businesses to reach new markets, increase their penetration rates and improve overall sales by generating new revenue streams. Online shopping has become increasingly popular because of its speed, accessibility and ease of use. According to BMO Capital Market’s Canadian Digital Retail, Amazon.ca is the leading E-Commerce vendor, with a market share of 7% of the total online retail sales in Canada. Amazon.ca has positioned itself as a market leader by offering very

competitive pricing, breadth of product, and detailed product description. Merchants who distribute through an open

E-Commerce channel like Amazon.ca can boost their sales figures by diversifying their distribution channels (online and in-store).

The population of digital shoppers and buyers is growing rapidly in today’s dynamic eMarketplace. With every web visit, statistics are available to analyze the number of unique visits versus repeat visitors. In E-Commerce, success is measured by calculating the conversion rates from visitors landing on your site. The E-tailer’s objective is to maximize this conversion rate by turning online browsers to real buyers.

E-COMMERCE TRAFFIC & CONVERSIONS

INDUSTRY REPORT

E-COMMERCE

Canadian E-Commerce Sales Figures By Year

(Billions) 2013 2014 2015 2016 2017 2018 $45 $40 $35 $30 $25 $20 $15 $10 $5 $21.61 $25.37 $29.63 $34.04 $38.74 $43.95

E-Commerce in Canada has rapidly

grown into a booming multi-billion

dollar industry.

Receipt Online Store

What are the benefits for E-tailers when

processing online payments through

MONEXgroup?

Full integration with online shopping carts

with hosted and non-hosted solutions to

meet a wide range of applications.

Manage your cash flows and gain financial

insights by understanding the transparency

of pricing in your merchant statement and

your Merchant Discount Rate (%).

Process Secure Credit Card payments

online and offer your customers versatile

financing options through a secure

payment gateway.

24/7 accessibility with ease of use and

flexibility, allowing you to save more and

improve your website’s conversions.

MONEXgroup E-Commerce Payment Processing

For Businesses in Canada

E-Commerce Payments by Industry

Assistant Controller – The Boulevard Club payment solutions to all business types and sizes in Canada.

MONEXgroup delivers the most secure payment gateway through the integration of online transactions. Merchants can access their back-end portal from anywhere and process orders anytime with a superior level of security and reliability of service. MONEXgroup has integrated E-Commerce Solutions for processing payments online in a variety of markets. The following graph presents the Credit Card consumption rates for the E-Commerce industry by top sectors from 2013 to present:

Electronics Professional Services Health Care Retail Transportation Furniture Contractors

“To process our club’s membership fees, MONEXgroup offered the Online Payment Solution: Virtual Terminal, for its easy-to-use recurring billings, secure processing and the know-your-customer features.”

Orbital Payment Gateway

Leverage your existing website and process payments anytime, anywhere. Orbital Payment Gateway allows your clients to purchase online and process online payment securely though

Non-Hosted or Hosted Checkout Solutions.

Virtual Terminal

Accept payments through the Virtual Terminal simplified online infrastructure by web-browser. Virtual Terminal accepts the input of remote orders by mail/phone, and supports scheduled recurring payments for your business services.

6%

64%

30%

MONEXgroup E-Commerce Solutions:

Orbital Payment Gateway

Leverage your existing website and process payments anytime, anywhere. Orbital Payment Gateway allows your clients to purchase online and process online payment securely though

Add to Cart

20% 40% 60% 80% 100%

VISA MasterCard

Source: MONEXgroup Statistics. Payment processing consumption rates in association with Credit & Debit card issuers in Canada.