PowerPoint Presentation

[Virtual Presenter] Today, we will be discussing the process, rates and requirements of Third Party Acquisition or T P A..

[Audio] The following are the TPA Philippine Acquirers, For Credit, we have RCBC Bankard and Metrobank. For Debit, we have PNB. For our E-wallets, We have Alipay, Shopee Pay, Grab Pay and GCash..

[Audio] The TPA Products are as follows: For card payments, it accepts the following: RCBC credit transactions, it caters to straight and installment facilities and debit cards transactions. (Accepts Visa, Mastercard, JCB, UPI and Amex). MCC credit transaction, it also caters to straight and installment facilities and debit cards transactions (Visa, Mastercard and JCB) PNB debit, accepts Bancnet, Visa, Mastercard) For QR payments or E-Wallets, we accept Alipay, Shopee Pay, Grab Pay and GCash..

[Audio] Here are our TARGET MARKETS: Small and medium enterprises or SME, duly registered and legitimate merchants, should have a physical store to conduct business and must be willing to pay charges and fees.

[Audio] Here are the types of POS terminals: For Dial-Up, the connectivity is through a standard landline. NDD or long distance should be activated for provincial areas and should be using PLDT or Globelines. Next is Desktop GPRS, Internet connectivity is through a telco SIM, it is not rechargeable and should always be connected to a power source or outlet. For Mobile Wireless, Internet connectivity is also through a telco SIM and it is rechargeable and portable..

[Audio] For Android A920, Internet connectivity is through a telco SIM, it is rechargeable and portable, touchscreen and captures signatures. It also has a camera for QR payments. Lastly for MPOS, it should be attached to a mobile phone. Internet connectivity is through mobile data or phone connected to Wi-fi, it is rechargeable and portable terminal and should be connected to mobile phone via bluetooth..

[Audio] Here are the list of payment application per terminal type. For dial-up (except for E F T Sagem), Desktop GPRS and Mobile Wireless, they accept credit, debit Alipay and GCash. For Android A920, it accepts all payment facilities..

[Audio] On this slide, we will be discussing the rates. For each transaction, There will be a deduction of what we call MDR or Merchant Discount Rate. In other term, it is somehow similar to a processing fee per transaction. For credit card transactions, MDR is 3.5% per transaction. That already includes .5% withholding tax and for debit MDR, it's only 3% per transaction (Withholding tax not included) Monthly rental fee for Dial-Up terminal is 500 pesos, Desktop GPRS is 800 pesos, 1,000 pesos for Mobile Wireless and 1,200 for Android A920. Two-month advance terminal rental fee is required or if will avail of the sign-up promo. Finally, there will be a one-time installation fee of 2,000 pesos if without decal or door signage and 2,500 pesos if with decal..

[Audio] For Lending Companies and Schools, transaction fee is 10 pesos per transaction. There's a minimum transaction count depending on the terminal type. For Dial-Up, Desktop GPRS and Mobile Wireless, minimum transaction count is 170 and 200 for Android A920. Monthly rental fee will depend on the shortfall transaction per month. For example, if the transaction count is 100, it should be multiplied into 10 pesos. The deficit will be the rental fee. (For Example, minimum transaction count required is 170 pesos and their minimum transaction count for month is only 100, computation should be 1,700 pesos minus 1,000 (100 multiplied by 10. Rental fee will be 1,700 pesos minus 1,000 pesos which is 700 pesos. Lastly, there is a one-time installation fee of 2,500 pesos..

[Audio] To encourage more applications and sign-ups, we have launched a merchant sign-up promo. Merchants who will pre-pay monthly rentals shall be subjected to the incentives below. Advance payment includes the standard 2-month-advance rental payment. Free monthly rental fees shall be applicable on the succeeding months after advance payment (on the 7th month for 6-month advance payment and on the 13th & 14th month for 12-month advance payment). Advance payment is non-refundable. Promo period is until December 31, 2023..

[Audio] These are the documentary requirements for Sole Proprietorship, Partnership or Corporation. For Sole Proprietorship – DTI registration Certificate of Registration or C O R Updated Business Permit Valid ID of the signatory and Corporate Secretary. Should be 1 Government issued ID with picture) *For Professionals, It is preferred for them to submit PRC ID. Special Power of Attorney ( if the owner is not available ) Picture of Establishment (with signage) Photocopy of passbook (for settlement account) GHL Merchant Application Agreement Form (2 copies) GHL Terms and Conditions (2 copies) Debit Terms & Conditions (2 copies) GCash Application Form (2 copies) GCash Terms & Conditions (2 copies) Grab Pay Terms & Conditions (2 copies) Shopee Pay Terms & Conditions (2 copies) For Partnership or Corporation – SEC Registration/ GIS (General Information Sheet, if the company aged 1 year up) Articles of Partnership or Articles of Incorporation and By-Laws Original notarized Partnership or Secretary's Certificate (2 copies) Certificate of Registration C O R Updated Business Permit Valid ID of the signatory and Corporate Secretary. Should be 1 Government issued ID with picture Picture of Establishment (with signage) Photocopy of passbook (for settlement account) Alien Certificate Registration, applies to foreign board members If there is no GIS, additional Valid ID is required ( SSS or TIN ID ) GHL Merchant Application & Agreement Form (2 original copies) GHL Terms and Conditions (2 copies) Debit Terms & Conditions (2 copies) GCash Application Form (2 copies) GCash Terms & Conditions (2 copies) Grab Pay Terms & Conditions (2 copies) Shopee Pay Terms & Conditions (2 copies).

[Audio] These are the reminders in submitting documentary requirements: DTI/SEC It should be clear and matching details for name and company name These OTHER DOCUMENTS should be notarized Partnership Resolution Secretary's Certificate GIS or Articles of Incorporation and By-Laws Listed are the SUBSTITUTE AND OTHER SUPPORTING DOCUMENTS Lease Contract or Contract of Lease – if Trade name does not match the name on the merchant's signage. For Jewelry stores and Pawnshops which is considered as High Risk – need to submit the latest Audited Financial Statement or AFS If establishment still under construction – provide floor plan, layout and lease contract or contract of lease. For Kiosk-type merchants, need to provide lease contract or contract of lease When submitting Amended Articles of Incorporation, please submit the previous/original or unammended copy as well for reference. For Gasoline Stations, they need to provide Dealer's Agreement or Certificate of Dealership If there is a discrepancy in name due to marital status, Marriage Certificate or contract is required. *Travel agency merchants may be processed subject to exceptional approval and the submission of all of the following requirements: Latest 2 years Audited Financial Statement or AFS, IATA or PTAA or NAITAS certification, Final approval from RCBC and Bond/holdout requirement of at least 500,000 pesos..

[Audio] These are the REMINDERS TO AVOID HOLDING OF PAYMENT, CHARGEBACK and TERMINATION OF THE CONTRACT Merchant should only process transactions that are consistent with the declared business (For example, Car Accessories store CANNOT sell cars) Merchant should not share their terminal with other branches or other merchants. No encashment transaction (swiping of owner's own card on the terminal) No multiple swiping in diminishing amounts Selling of class A, imitation, fake items are prohibited and would result to immediate termination No Split Sales Settle the transactions on the terminal daily Safe keep all transaction slips/documents and provide to GHL when requested Ensure that transaction slips are signed unless P I N is entered No cash refunds to customers (refunds should be processed back to the card that was used).

[Audio] These are the list of High Risk Merchants: 1. Travel Agencies and Tour Operators 2. Precious Stones and Metals, Watches and Jewelry 3. Automobile and Truck Dealers—Sales, Service, Repairs, Parts, and Leasing 4. Motorcycle Shops and Dealers 5. Pawn Shops 6. Clock, Jewelry, Watch, and Silverware Store 7. Leather Goods and Luggage Stores 8. Associations—Civic, Social and Fraternal.

[Audio] These are the list of High Risk Areas: North Cotabato Maguindanao Lanao del Sur Lanao del Norte.

[Audio] The next 8 slides will show the list of Prohibited Merchants per Acquirer. Here's the list of Prohibited Merchants for RCBC and PNB Acquirers..

PROHIBITED MERCHANTS. RCBC and PNB Acquirer Prohibited Merchants.

[Audio] Here's the list of Metrobank Acquirer Prohibited Merchants..

[Audio] Here's the list of Prohibited Merchants for GCash..

[Audio] Here's the list of Alipay Acquirer Prohibited Merchants..

PROHIBITED MERCHANTS. ALIPAY Prohibited Merchants.

PROHIBITED MERCHANTS. ALIPAY Prohibited Merchants.

[Audio] Here's the list of Prohibited Merchants for Grab Pay..

[Audio] These are the ADDITIONAL DOCUMENTS THAT MAY BE REQUIRED FOR PROHIBITED MERCHANTS 1. Valid Government Issued IDs Of All Key Officers Of The Company 2. Bank Certification From Other Banks 3. Latest Audited Financial Statement 4. Latest GIS For Validation Of Key Officers For Travel and Tours - may require account threshold deposit amounting to 300,000 pesos to 500,000 pesos For Pawnshops, may require additional documentations - BSP Certification, Prior or existing bank references, Name, present address, date of birth, contact number, nationality and source of funds of each primary officers (President, Treasurer and authorized signatories), stockholders owning at least 20% of the voting stock and directors/trustees/partners as well as their identification documents;, Volume of assets, other information available through public database or internet and supporting information on the intended nature of the business relationship, source of funds/wealth of the customer such as I T R, Audited Financial Statement, Loan Application, Deed of Donation, Deed of Sale etcetera and Reasons for the intended or performed transactions.

[Audio] See illustration for process and turnaround time for POS terminal application. 11-13 working days for Metro Manila, 13-15 working days for Provincial, 15-20 working days for out of service areas Please note that due to community quarantine situations, all TAT are affected with about 5 additional working days; depending on area situation as well..

[Audio] Turnaround time for Payment of funds to merchant is T plus 2, Transaction date plus 2 working days..

[Audio] See sample illustration of settlement to merchant. For example, if the merchant settled on their POS terminal on a Monday, it will be received by the bank next day for validation, which is Tuesday, settlement to merchants will be on the 2nd working day which is Wednesday. Please take note that weekends and holidays are not counted for settlement..

[Audio] A Daily Transaction Statement or Statement of Account is sent to the merchant's registered email address daily. It shows the Merchant Discount Rate and Withholding Tax deducted and the Net Amount that will be deposited to the merchant's settlement account..

[Audio] B I R Form 2307, issued by the acquiring bank, representing the 0.5% withholding tax deducted from the gross transaction will be sent to the merchant's email address on a quarterly basis. The merchant may use this as tax credit when filing for the quarterly income tax and annual income tax returns..

[Audio] Why should our merchants choose GHL? We have faster approval from banks, processing of the application takes 10 to 15 days if submitted with complete documents; We have faster installation of GHL POS terminal. POS installation if within 3 days for Metro Manila and 5 days for Provincial areas once application is approved and upon confirmation of the payment. No sales quota is required. We process merchant application from small, medium to large businesses We operate nationwide operations; We have organized settlement proceeds and with email sent directly to merchant's registered email address GHL POS terminal accommodates local and international credit and debit cards (Visa, Mastercard, JCB, UPI, Bancnet) and Android terminal as all-in-one terminal processing cards and E-Wallet payments The one-time Installation Fee includes three (3) thermal paper rolls for free, POS Terminal Service Requests, dedicated After Sales agent, yearly maintenance service and 24/7 Helpdesk..

THANK YOU. Nysnun. GHL Systems Philippines, Inc. 6/F One Corporate Plaza Building 845 Arnaiz Avenue, Legaspi Village 1229 Makati City, Philippines www.ghl.com.