and Present: Zero Cost Credit

Zero Cost Credit by CardX Allows your business to surcharge credit card transactions Flat % surcharge on all credit cards Drives your cost of processing credit cards down to $0! Debit cards cannot be surcharged All other account and processing fees still apply

What is Surcharging? A payment card surcharge, also known as a checkout fee, is an additional fee that a merchant adds to a consumer's bill when he or she uses a credit card for payment. Merchant’s who are not compliant when surcharging customers are liable for up to $10,000 per transaction. CardX has developed a technology and process that outlines specific requirements for a merchant to have the ability to offer this service. With CardX technology in place the you will feel safe knowing you are 100% compliant when surcharging in your place of business.

Zero Cost Credit Demo Demo URL- http://cardx.com/demo/surcharging-demo.php

What are the rules for Surcharging? The merchant must be registered with Visa, Discover and MasterCard. The merchant must inform his or her customers of the surcharge with appropriate signage at the store entrance and point of sale. The amount of the surcharge must not exceed the merchant’s retail cost of acceptance or 4%. The surcharge and the price of the product or service must be processed together as one transaction. The receipt must show the amount of the surcharge as a separate line item. Merchants must not surcharge debit cards. I cannot for some reason get rid of the average account volume figure. And if I can get this on one page we should do that.

Compliance Continued…. Sample Signage

What equipment can be used? Fully Integrated Hosted Payments Page- Ecommerce Mobile version available Virtual Terminal w/ Magtek reader*- MOTO/Retail *Not EMV Compliant

What does CardX deliver? CardX will: Register your business with Visa, MasterCard and Discover which takes 30 days. Required to surcharge. Provide all hardware and software necessary for your business to surcharge credit cards in your processing environment, while keeping you compliant. Ecomm, MOTO, Retail Provide the necessary signage to place by the POS and front door. Provide complete product training and ensure the whole system is implemented correctly. 24 hour, ongoing support.

Dillon Nitopi Product Manager (415)-598-7528 dnitopi@nxgen.com Questions? Dillon Nitopi Product Manager (415)-598-7528 dnitopi@nxgen.com