Payments Solutions A

PAYMENTS

PAYMENT FACTORY SOLUTIONS

Payments Solutions B

PAYMENTS

PAYMENTS SOLUTIONS AND SERVICES

Payments Solutions1

Payments Solutions OverviewFIS’ provides a comprehensive suite of payment solutions designed to address all aspects of payment processing and execution. More than 2,500 companies in over 40 countries rely on FIS to help manage corporate liquidity and risk.

Payment processing and execution are vital functions for any organization. Effectively managing these activities can provide greater visibility to cash on hand, reduce fraud, risk and errors, increase operational efficiency, comply with regulations, and help create a more agile organization. However, not all organizations have the tools, systems and processes in place that can deliver these operational and business efficiencies.

With increasing focus on liquidity, corporations are under pressure to manage cash more effectively. Poor visibility of cash flows can be a problem for corporations who manage their payment processing and bank accounts either regionally, at business-unit level, or at a subsidiary level. Lack of standardization, manual processing and disparate systems not only reduce visibility but also increase transaction costs and risk of fraud. All of this adds complexity and cost to the payment challenge.

FIS provides a comprehensive suite of payment solutions designed to address all aspects of payment processing and execution, with componentized offerings to solve specific business problems and more integrated solutions to provide full cycle support. Regardless of the size of your organization, FIS can help address your payments requirements.

FIS Payments solutions can help customers achieve:

● Real-time cash visibility for better decisions.

● Higher straight-through processing (STP) levels for increased automation and efficiency.

● Lower transactional and operational costs.

● Better management of payment flows and exceptions, which can lead to better relationships with business partners.

● Reduced risk and errors.

● Compliance with Sarbanes-Oxley (SOX), SEPA (Single Euro Payments Area), and other regulatory standards.

● Bank independence through a flexible, non-proprietary payments system.

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Payment Processing

Payment Execution

Whether you are a small to medium sized business with basic payment execution needs or a large multinational organization requiring support for payment processing and execution around the world, FIS has solutions to fit your needs.

In addition to driving efficiencies and cost containment, FIS Payments solutions offer increased visibility to enterprise-wide payments processing. This allows all stakeholders to take immediate action when exceptions occur and allows clients to reap full benefits in terms of improved liquidity management and relationships with business partners.

● FIS’ TRAX solution supports large multinational corporates with complex payment processing requirements across multiple banks and countries, and includes support for domestic and international payments (such as ISO 20022 XML, SEPA CT, wires, and ACH), direct debits, and account statements.

● For less complex scenarios, FIS also coordinates payments and statements in a single location via secure connection with the SWIFT global banking network, providing comprehensive multi-bank ebanking capabilities .

● FIS’ Secure32 solution provides basic payment processing to support local print and ACH requirements.

Payment execution can often be fragmented, error-prone and inefficient. It is not uncommon for organizations to rely on several different electronic banking applications, each requiring the integration of multiple system interfaces and the functional management and administration of these interfaces.

Corporations that operate in multiple countries have additional challenges, as they must manage diverse domestic and international payment formats and keep up-to-date with new payment standards such as Single Euro Payments Area (SEPA). Further complicating the picture are the increasing regulation and compliance standards that are placing additional operational burdens on organizations.

For organizations that print paper checks, the process of printing checks, stuffing envelopes and mailing can overwhelm even the most efficient accounting team.

● FIS TRAX supports both SWIFT and domestic message formats and can use BIC and IBAN information to perform payment validations and enrichment.

● FIS PayNetExchange supports fast-track conversion from check to virtual card, check to ACH, outsourced check print and mail, and wires.

● FIS Secure32 supports local and remote check printing and ACH.

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FIS payments solutions help reduce transactional and operational cost, increase security, and improve management of payment information, exceptions, and statement flows

BANK

CONNECTIVITY

SWIFT

CONNECTIVITY

REPORTING AND

INFORMATION

MANAGEMENT

CHECKS

WIRES

ACH

CARDS

EFT

REMITTANCE ADVICE

BULK PAYMENTS

BANK ACCOUNT

CONSOLIDATION

CHECK ANDDOCUMENTPRINTING

CHECK TO ACH

CONVERSIONSPAYMENT

EXECUTION

VENDORMANAGEMENT

A/PWORKFLOW DIRECT

DEBITS

TRANSFORMATIONS

& CONVERSIONS

MANUAL PAYMENTS

PAYMENT FACTORY

TOTAL PRODUCTION

SUPPORT

ECOSYSTEM

COMMUNICATION HUB

SUPPLIERS

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A messaging hub run by treasury and payments experts: Corporations benefit from a single connection that sends and receives communications across worldwide treasury and payments operations.

Fully Managed Bank Connectivity Platform With Swift Services

FIS sends more than 10 million messages and files across the SWIFT Network each year, an average of one every three seconds.

Treasury and payments solutions require secure and reliable connections to banking partners. FIS offers a fully managed and comprehensive bank communications channel to securely connect treasury and payments solutions to banking partners through either direct or indirect connectivity (SWIFT or other exchange / network).

FIS offers a single platform approach where the bank connectivity solution is embedded within the treasury and payments offering – with ongoing managed bank connectivity services.

If the client opts to leverage SWIFT connectivity, FIS can manage the entire relationship from administration to onboarding for any SWIFT member bank. The connectivity can be facilitated via any of FIS’ three SWIFT Service Bureaus (SSBs) which are located in France, Switzerland and the United States.

Working in close collaboration with SWIFT, FIS offers a unique perspective in that SWIFT and FIS share the same underlying financial messaging platform. Further, FIS is well positioned as a top tier partner with SWIFT as one of only five companies to attain Key Relations status.

INTEGRATION FINANCIAL MESSAGING

BANK ONBOARDING

SWIFT ADMINISTRATION

MESSAGING PLATFORM

TRADING

DIRECT TO BANKS

SWIFT NETWORK

TREASURY

PAYMENTS

ERPs

GlobalPartner2014

Service Bureau

Switzerland U.S. France

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Key Benefits Of FIS Payments

Improved visibility

FIS Payments solutions help corporations gain visibility to cash in a more cost-effective manner by making payments data more transparent and providing a single repository for users to view and manipulate individual payments and account information.

Centralization of the payments infrastructure

Relying on a number of disparate systems for the processing of payments can be inefficient, expensive to support, and prone to error. FIS Payments solutions can help by offering corporations a centralized platform and single solution for the processing of payments.

FIS Payments solutions offer all the tools necessary for the entry and processing of manual payments, as well as flexible set-up of roles and responsibilities between local affiliates and the central treasury department. Obtaining payment data from various sources and processing payments for multiple domestic and international formats is made easy with this complete end-to-end offering.

Reduction of operating costs

FIS Payments solutions help organizations reduce operating costs by enabling them to handle a growing number of transactions without requiring additional staff. By reducing the number of touch points a payment needs to pass through prior to being settled, operational costs can be considerably lowered.

The flexible nature of the FIS platform allows organizations to easily make system adjustments at any time.

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Flexible interface for compliance

FIS Payments solutions consolidate diverse payment streams into one centrally managed platform and help organizations to reduce operational costs and mitigate risk. The flexible nature of the FIS platform allows organizations to easily make system adjustments at any time so as to remain aligned with emerging industry initiatives and regulatory standards, such as Sarbanes-Oxley (SOX) and SEPA.

Streamline processing

By replacing numerous e-banking solutions with a single, global payments tool, customers are able to streamline payment processing, increase processing efficiency, reduce reliance on any one provider and gain better visibility and control over cash disbursement. FIS Payments solutions provide support for all payment types (treasury, wires, ACH, bulk, check, one offs, and direct debits) and for reporting (account statements, status reporting, and intraday), as well as for other corporate to bank exchanges (deal confirmations and proprietary files).

Check print and mail

Supporting paper-based processes remains a critical function for many organizations today. FIS offers in-house and outsourced check print and mail solutions. Our advanced business check printing software solutions enable companies to print MICR laser checks, statements, invoices and other documents in-house efficiently, accurately and securely. From small offices to multinational enterprises, FIS provides organizations of all sizes with the most secure and efficient solutions available for check printing.

Outsourced payment execution

Many organizations today are looking for alternatives to the expensive, inefficient practice of printing and mailing checks. Getting out from under the burden of pushing paper, these organizations are finding real cost savings and efficiencies in outsourcing payment execution to FIS. While these organizations are also eager to migrate from check to electronic payments, most do not have the resources necessary to gather and update vendor banking information and payment preferences. To help expedite conversion to electronic payment, our dedicated account team will work with you and your vendors to fast track virtual card and ACH adoption.

Highly configurable, open standards

Users of the FIS Payments platform have full control over the input, workflow and output of payments without programming, including the definition of formats, the invocation of enrichment rules, workflow definition, and exception handling for audit reasons. FIS Payments offers integration frameworks to interface with a customer’s ERP system and other back-office systems based on a variety of interface standards. The solution helps extend these back- offices with core payment processing functionality, such as enriching, validation and approval functions, not typically found in ERP systems.

Integrated connectivity

FIS Payments solutions include direct integration with an integrated connectivity platform which can then connect to your banks and suppliers directly or via the worldwide SWIFT network, helping improve efficiency and reduce costs via increased straight-through processing (STP). This unified platform also simplifies efforts to create and maintain connections with your entire financial ecosystem of vendors, customers, banks, partners, and other affiliated entities.

FIS supports and services its global customer base via physical offices in over 20 countries.

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Payment Solutions

FIS TRAX

The FIS TRAX payment factory supports large multinational corporations with complex payment processing requirements across multiple banks and countries. Automatic processing includes converting file formats, payment validation and enrichment (e.g. adding BIC codes), payment routing according to specific criteria, aggregating different payments for one supplier, etc. An intuitive user interface for manual processing supports handling one-off payments, edits, corrections, payment approvals, and workflow. The application handles virtually all payment types including ISO 20022 XML (including the SEPA, SCORE and CGI implementation guidelines), bulk/ACH, treasury, wires, direct debits and manual payments. Additional functionalities include account statement retrieval and processing and deal confirmation notifications. Extensive and flexible reporting is available.

For less complex scenarios, FIS offers a secure and cost-effective multi-bank ebanking payment solution that coordinates payments and statements in a single location. FIS’ Payments offers up-to-date account balances, full balance histories, and calendar-based alerts for missing statements. By offering a simple, centralized and comprehensive view of bank accounts, FIS’ Payments can help increase visibility while decreasing potential for error. FIS Payment Solutions securely connects to the SWIFT global banking network to enable secure exchange of financial messages and payments between corporations and banks, helping to provide greater cash visibility, straight-through processing (STP), and reduced costs.

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FIS PayNetExchangeAs an integrated payments platform, FIS PayNetExchange provides flexible outsourcing of payment execution, with support for check processing, check to virtual card conversion, check to ACH conversion, domestic and international ACH, and wires. Customers transmit data to FIS in any format through a secure web portal, eliminating the need to develop a custom data interface. With no change to current payment processing, customers can increase efficiency, reduce costs, and reduce fraud. Intuitive, real-time web-based monitoring tools, flexible reporting and audit trails for SOX compliance are all part of the delivered service. A comprehensive vendor enrollment campaign is also included to help overcome the single biggest hurdle for companies seeking to migrate from paper checks to electronic payments. This service helps ensure the rapid enrollment of vendors and increase the adoption of electronic payments.

FIS’ PayNetExchange processes more than $100 billion in transactions each year, or about $300 million every day.

The FIS Secure32 software solution provides the local control your organization needs.

FIS Secure32

FIS Secure32 is installed licensed software for secure MICR check printing in single departments or at remote locations throughout the enterprise. Whether you need to print accounts payable or payroll checks, execute commission or rebate payments, produce direct deposit advices, generate ACH payments, print statements, or generate end-of-year tax documents, the Secure32 software solution provides the local control your organization needs.

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About FIS’ Corporate Solutions

FIS offers a leading liquidity and risk management solution for corporations, insurance companies and the public sector. The solution suite includes credit risk modeling, collections management, treasury risk analysis, cash management, payments system integration, and payments execution delivered directly to corporations or via banking partners. The solutions help consolidate data from multiple in-house systems, drive workflow and provide connectivity to a broad range of trading partners including banks, SWIFT, credit data providers, FX platforms, money markets, and market data. The technology is supported by a full range of services delivered by domain experts, including managed cloud services, treasury operations management, SWIFT administration, managed bank connectivity, bank onboarding, and vendor enrollment. For more information, visit www.fisglobal.com

About FIS

FIS is a global leader in financial services technology, with a focus on retail and institutional banking, payments, asset and wealth management, risk and compliance, consulting and outsourcing solutions. Through the depth and breadth of our solutions portfolio, global capabilities and domain expertise, FIS serves more than 20,000 clients in over 130 countries. Headquartered in Jacksonville, Florida, FIS employs more than 55,000 people worldwide and holds leadership positions in payment processing, financial software and banking solutions. Providing software, services and outsourcing of the technology that empowers the financial world, FIS is a Fortune 500 company and is a member of Standard & Poor’s 500® Index. For more information about FIS, visit www.fisglobal.com