Do you know the difference between cloud, hosted and on-premise payment solutions? View this presentation to learn the differences and to discover the truth behind common cloud misconceptions. For more information, please visit www.paymetric.com.

1. 5 Common Misconceptions About Payments in the Cloud
Presenter:(Stewart(Comrie,(Vice(President(,(Strategic(Solu7ons(
November(11,(2014( ©2014.(Paymetric.(All(Rights(Reserved.( 1(

2. Agenda((
! Cloud(Confusion(
! Defining(the(Cloud(
! 5(Misconcep7ons(Around(ePayments(in(the(Cloud(
! Best(Prac7ces((
! Why(Paymetric(
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2(
©2014.(Paymetric.(All(Rights(Reserved.(

3. Cloud(Confusion(
! Need(clear(understanding(
! The(Cloud(is(just(that..(Cloudy(
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3(
©2014.(Paymetric.(All(Rights(Reserved.(

4. Defining(the(Cloud(
! It(can(mean(ANY(of(the(following:(
! Private,(Public,(Hybrid(
! Compu7ng,(Storage(
! Infrastructure((IaaS)(
! E.g.(VMs(
! PlaVorm((PaaS)(
! E.g.(Dev(tools,(Azure(
! Applica7on((SaaS)(
! CRM,(email(
! Hos7ng(versus(SaaS(
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4(
©2014.(Paymetric.(All(Rights(Reserved.(

5. Defining(the(Cloud:(Payments(
! Hosted(Middleware(
! Single(instance(private(cloud(
! Merchant(responsible(for(PCI(DSS(
! Redundancy(and(backup(support(varies(
! SaaS(
! Mul7Ytenant(
! Vendor(responsible(for(PCI(DSS(
! Built(to(perform(and(scale(
! Availability,(redundancy,(backup(typically(builtYin(
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5(
©2014.(Paymetric.(All(Rights(Reserved.(

6. Defining(the(Cloud:(Payments(
! PCI(Impact(and(Cost(
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©2014.(Paymetric.(All(Rights(Reserved.(
Merchant PCI Scope
COST%

7. Defining(the(Cloud:(Payments(
! PCI(Impact(and(Cost(
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7(
©2014.(Paymetric.(All(Rights(Reserved.(
Merchant PCI Scope
COST%

8. #1:(The(cloud(is(unreliable(and(inflexible(
Myth%stems%from%many%public%cloud%services%and%private%cloud%models%
SaaS(
• Reliability(
• Built(to(perform(and(scale(
• BuiltYin(redundancy(
• BuiltYin(backup(and(failover/DR(
• BuiltYin(maintenance(without(service(interrup7on((
• Flexibility(
• Service(oriented(architecture(
• Configurable(behavior(
• Connec7vity(from(any(system(
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©2014.(Paymetric.(All(Rights(Reserved.(

9. #2:(The(cloud(is(not(secure(
Myth%stems%from%many%public%cloud%services%and%private%cloud%models%
SaaS(
• Focus(and(specializa7on(is(key(
• Security(is(the(top(concern(of(all(veced(SaaS(Payment(
Solu7on(Providers(
• OnYpremise(solu7ons(oeen(focus(less(on(security(
• “Control”(does(not(equal(security(
• OnYpremise(solu7ons(oeen(don’t(maintain(security(
• Over(7me,(security(procedures(oeen(lapse(
• According(to(Alert(Logic(report,(onYpremise(solu7ons(are(
acacked(more(than(cloudYbased(solu7ons(
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©2014.(Paymetric.(All(Rights(Reserved.(

10. #3:(The(cloud(is(expensive(
• Using(the(cloud(can(reduce(costs(
• No(longer(paying(for(system(maintenance,(opera7ng(
&(upda7ng(costs(
• Reduces(equipment(required((
• Pay(for(what(you(need/use(and(nothing(more(
• Move(from(CAPEX(to(OPEX(monthly(fee(model(
• Payments(and(payments(security(industry(
undergoing(rapid(change,(with(no(end(in(sight(
• Some(companies(see(up(to(88%(savings(while(using(
the(cloud(
(
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11. #4:(All(cloud(models(are(the(same(
• In(Payments,(Cloud(≠(Cloud(
• Hosted(
• Private(cloud(
• Merchant(responsible(for(PCI(DSS(
• Single(instance(replicated(
• Managed(services(
• Redundancy(and(backup(support(varies(
• SaaS((
• Mul7Ytenant(
• Vendor(responsible(for(PCI(DSS(
• Built(to(perform(and(scale(
• Availability,(redundancy(and(backup(builtYin(
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©2014.(Paymetric.(All(Rights(Reserved.(

12. #5:(The(cloud(is(not(appropriate(for(payments(
• Use(of(3rd(party(service(providers(encouraged(by(PCI(
• Reduced(PCI(scope(
• Secure(
• Reliable(
• Major(players(in(the(payments(industry(have(already(
adopted(the(cloud(
• Card(brands(
• Processors((
• PayPal,(Google,(Apple,(Amazon(
• Gartner(term(is(Payment(Service(Provider((PSP)(
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13. In(Summary:(5(Common(Misconcep7ons(
1. The(cloud(is(unreliable(and(inflexible(
2. The(cloud(is(not(secure(
3. The(cloud(is(expensive(
4. All(cloud(models(are(the(same(
5. The(cloud(is(not(appropriate(for(payments(
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(
(
13(
©2014.(Paymetric.(All(Rights(Reserved.(

14. What(are(my(op7ons?(
• Op7ons(for(payment(solu7on(systems(include:(
• OnYpremise(
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• All(hardware(and(soeware(is(stored(at(your(loca7on;(hardware(and(
system(updates(are(maintained(by(your(IT(team(
(
• Hosted(
• You(purchase(soeware(that(is(installed(on(hardware(at(another(data(
center;(you(pay(rental/lease(fees((
((
• CloudYbased((
• Soeware(is(installed(on(virtualized(servers(

15. Best Practices Cloud-Based Environment
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16. About(Paymetric((
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17. AwardYWinning(Company((
Paymetric%is%Recognized%for%Electronic%Payments%Innova;on(
Paymetric(is(an(awardYwinning(company(built(on(
shared(purpose,(an(unremisng(pursuit(of(excellence,(
las7ng(collabora7on,(accountability(and(integrity.(For(
more(than(15(years,(we(have(been(recognized(for(our(
work(and(honored(with(awards(for(technical(innova7on(
and(thought(leadership.(
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18. Ques7ons?((
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