A service that enables payment card cardholders to make international card purchases or transactions in their own currency. The conversion of the purchase price of goods or services from the merchant’s local currency to the cardholder’s home currency occurs at the point of sale at the quoted exchange rate from a cited exchange rate source. PAYD* PayD transactions allow the customer to make a payment using their debit card + pin, without a POS device present (i.e. web site purchases), by using their mobile phones PayD Process* Customer selects payD as payment method for the transaction. (The payment selection process is provided by the merchant) Customer enters their mobile number instead of their card details. (Card details are not present in the V_XML) PanFormat is set to MSISDN and the

The following section covers the details of POS Device integration (particularly PIN based transactions). PIN transactions are encrypted either using Triple DES DUKPT or Triple DES Master/Session encryption architecture. The combination of Acquirer and type of device used determine the encryption architecture chosen. iVeri provides facilities where PIN transactions can be process in either mode Live or Test.For security reasons, a key cannot be used in both modes Live and Test. Therefore, a device is either loaded for mode Test or mode Live. A Device that is to be used for mode Live must be injected with a key within an iVeri Trusted Centre using the appropriate encryption architecture.A Device that is to be used for mode Test may be injected by a merchant, or within the Trusted https://ce

* * The following section covers the details of POS Device integration (particularly PIN based transactions). PIN transactions are encrypted either using Triple DES DUKPT or Triple DES Master/Session encryption architecture. The combination of Acquirer and type of device used determine the encryption architecture chosen. iVeri provides facilities where PIN transactions can be process in either mode Live or Test.For security reasons, a key cannot be used in both modes Live and Test. Therefore, a device is either loaded for mode Test or mode Live. A Device that is to be used for mode Live must be injected with a key within an iVeri Trusted Centre using the appropriate encryption architecture.A Device that is to be used for mode Test may be injected by a merchant, or within the Trusted https:

Additional Data for Procurement Transactions ** Procurement transactions refer to transactions that contain the line item (or order basket) details. If the line-item details are sent to iVeri within a transaction, then a procurement card holder get those details from their issuing bank (for example on their monthly statement). This is of assistance in tracking business to business transactions particularly in large corporations. Procurement transactions are currently only available within distributor Nedbank. Coding for Procurement * The following optional input parameters are Procurement specific per transaction: CustomerReferenceIdentifier  CustomerVATRegistrationNumber  DestinationCountry  DestinationZIPCode  NationalTax  NationalTaxIndicator  OrderDate  PurchaseIdentifier  ShipFromZIPC

An iVeri Distributor markets the services of the iVeri Gateway and products within a locality.3 South Africa specific: The Nedbank Merchant agreement allows for the acceptance of Visa and MasterCard credit cards only. A Merchant that wishes to accept Diners Club and American Express cards, will need to contact these organisations separately and enter into Merchant Agreements with them. On receipt of Merchant numbers from these organisations, the merchant must contact Nedbank Card Division and ask them to update their Nedbank Merchant profile to include Diners and American Express. Nedbank South Africa* Location South Africa Telephone 0860 114 966 Web sites http:// [1] www.iveri.co.za [2] http://www.nedbank.co.za Email Technical Assistance operations@iveri.com [3] Non-technical (i.e. produc