SecureTrading and Travelex's presentation to the WPM User Group, February 2012

1. WPM User Group Event
Dynamic Currency Conversion & the Right PSP
for your Electronic Payments
Catherine Cullen - Western Union Business Solutions
Lynne Harris – SecureTrading, A UC Group Company

2. HOW CAN YOU MAKE SURE YOU SELECT THE
RIGHT ECOMMERCE PARTNER TO WORK WITH?
PEOPLE MAKE THE DIFFERENCE

3. WHO WE ARE...
& +
OFFER A COMPLETE 100% END TO END SOLUTION
FOR THE HIGHER EDUCATION AND FURTHER
EDUCATION SECTORS, INCORPORATING:
 Payment gateway solution – hosted &/or API
 DCC solution
 Western Union Business Solutions offers a full suite of
payments services to the education sector

4. WHEN SELECTING YOU SHOULD CONSIDER
WORLDWIDE, NATIONAL REPUTATION AND REACH
 System resilience
 Support statics to endorse system reliability
 Support team and experience levels
 Implementation process & discovery methodology
 Settlement ease & reporting
 Reporting functionality and archiving
 Easy on boarding process
LIKE WE SAID BEFORE ...IT’S ALL ABOUT THE PEOPLE
AS WELL AS THE SYSTEMS & DELIVERY

5. SECURETRADING SYSTEM UPTIME STATS
2011
100%
Downtime Percentage
Unscheduled Downtime Percentage
Scheduled Downtime Percentage
Uptime Percentage
100%
STPP - stpay STPP - stapi STPP - STPP - MyST
webservices

6. INFRASTRUCTURE – PAYMENT PLATFORM
FULLY MERCHANT
Multi-
REDUNDANT, DUAL Currency
SITE MOTO Online Mobile
CONFIGURATION
DELIVERS
UNMATCHED
AVAILABILITY The Internet
Payment Site 1 Payment Site 2
Payment Gateways Payment Gateways
TNS X25 ISDN TNS X25 ISDN
Acquiring Banks Acquiring Banks

7. TRAVELEX SOLUTION INFRASTRUCTURE
WPM Travelex Gateway / Barclays Schemes / Issuers
1 x item @ £100 £100
1 CheckOut
Amount
: £100
Cardholder Name
John Citizen
PAN
DCC engine
4564 xxxx xxxx 1234
Expiry CVV2
08 / 2011 123
2
£1 = USD$1.53
Back Proceed
Add 2.99% margin (USD $0.0457)
=USD$1.58
3 PSP Card Schemes
Please select desired payment option
:
X
5
USD$158
GBP£100
4
at an exchange rate of 1.58
Back Pay
Acquiring host
USD$158 USD$158
(Auth, Clear, Settle)
Your purchase has been approved. 7 8
Original Sale Amount: GBP£100 6
Final Transaction Amount: $USD$158
Your exchange rate is 1.58
USD$158 in
Your receipt # is12345678 Continue
GlobalPay
USD$158
Merchant
receives £100
+ DCC share
10 11 9 DCC Revenue: USD$158 – USD$153 = USD$4.57

8. ACQUIRER PARTNERS & ALL PAYMENT TYPES
SecureTrading is SecureTrading supports
integrated with ALL major ALL major card payments +
acquiring banks both in in excess of 60 other
UK and worldwide alternative payment types
‘Out of the box’ fully University benefits from DCC
integrated with the Travelex commission to help offset
DCC engine for real-time f/x merchant service fees
quotes – up and running in
the UK today

9. A YEAR WHEN A LOT HAPPENED...
LET’S LOOK AT THE LAST 12 MONTHS... ONLY

10. COMMERCIAL TERMS
 Rolling annual contracts provided by WUBS and
SecureTrading
 SLAs agreed between University and acquirer, PSP
(SecureTrading maintains highest uptime levels in the
industry)
 ST & Travelex have now in place a streamlined
onboarding process specifically tailored for HE & FE
sector clients
 No upfront setup fees for DCC
 No ongoing processing/per click fees for DCC
 Monthly rebate to Universities for DCC commission share

11. WHY SELECT SECURETRADING/WUBS/TRAVELEX
 SecureTrading, WUBS & Travelex are Education sector
specific providers forming a natural alliance of key
education sector major providers
 100% wholly secure, reliable payment processing & end
to end solution
 Travelex are the world’s leading foreign exchange
providers & are already integrated into the
SecureTrading payment gateway via WPM online
store/CPGs
 This improves the student experience whilst providing a
guaranteed income stream via the DCC commission

12. NEWS YOU SHOULD KNOW
 Travelex Global Business Payments was acquired by
Western Union Business Solutions November 2011
 Business as usual – no disruption to contractual
agreements or service
 System enhancements
 Scholarship!

13. THE FUTURE
 SecureTrading & Travelex/WUBS...
intend to remain at the leading edge
of platform development and
integrated payments solutions with
our Partners
 Throughout the UK, USA & Europe
there is continual investment in
people, R&D and our infrastructure
 We invite you to view live
demonstrations of reporting in the
exhibition hall during the rest of today

14. THANK YOU
Any questions?
business.westernunion.com