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# Merchant Services Solutions

## Expand your options with payment solutions tailored to fit your needs

### Automate and integrate your payment acceptance solutions

- Accelerate cash flow with as soon as next business day funding to your WF commercial deposit account.
- Easily manage all your financial needs with integrated banking, treasury management, and Merchant Services solutions.
- Experience the power of a relationship team approach with aligned Merchant Services, Bank, and Global Payments & Liquidity professionals to support your organization.
- Streamline your partnerships and limit access to your organization’s sensitive payment information.

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## Payment acceptance solutions for every business model

### Bring your own technology

Do you use your own or a third-party software solution? Our compatibility with thousands of independent software vendors (ISVs), gateways, and point-of-sale systems allows us to support most card processing needs. Consult with us today to assess compatibility with your current technology.

### Omnichannel payment acceptance solution — WF Payment Gateway®

Make it easy for your customers to pay by credit card, debit card, digital wallet - either online or in person - through a single omnichannel payment gateway. Powered by Cybersource, a Visa® solution, our gateway gives you stability and scalability to support your growing transaction volume while helping reduce the friction of payments acceptance.

Deliver a modern, consistent, omnichannel customer experience with WF Payment Gateway digital acceptance solutions. Integrate once and accept a wide variety of payment methods. Implement a single interface and manage the payment methods you offer with ease.

#### WF Payment Gateway intended benefits for merchants

- Versatile: Accept one-time, recurring, or installment credit card, debit card, and ACH payments.
- Secure: Protect your customers' credit card data with encryption and tokenization, helping you with your Payment Card Industry Data Security Standard (PCI DSS) compliance obligations.
- Informative: Gain insight and reconcile efficiently by accessing reports through the online portal or your enterprise resource planning (ERP) system.
- Ease of integration: With Unified Checkout integration, you can customize your payment experience by easily enabling digital payment methods to meet the needs of your customers. The intuitive, hosted user interface minimizes the effort needed to start accepting digital payments, accelerating your speed to market.

#### Security and risk management

Streamline security protocols: Validate and help secure account information. Designed to protect account information, our system can generate a token to use in place of sensitive account information.

Account Takeover Protection service: Set rules restricting the ways in which users create accounts, choose logins, and update account information. You’re in control to reject any account requests that don’t meet your criteria.

Payer Authentication service: Help identify criminals before transaction authorization to prevent payment fraud and limit your liability. Our gateway helps you confirm a payer’s identity, while trying to reduce or eliminate friction during payment.

Fraud Management Essentials: Manage fraud with a straightforward, yet powerful solution that requires no integration. Built on industry-leading machine learning, Fraud Management Essentials comes with ready-to-use rules you can easily tailor to fit your unique business needs. Review suspicious card payments and make decisions to approve or reject them with the user-friendly fraud dashboard.

Decision Manager service: Accept online payments and reduce the potential for fraud. Decision Manager is a robust, customizable fraud management solution with highly flexible rules and settings for tailored fraud strategies. Decision Manager is built to handle high transaction volumes and complex fraud scenarios.

Bank Account Validation: Help reduce payment fraud risk and remain compliant with Nacha rules by verifying customer bank account details before processing web-debit ACH transactions. With a seamless API integration, you can improve operational efficiency and support growth with a solution designed for high-volume processing.

## Online bill presentment and payment — E-Bill Express

Don’t let paper slow you down. Replace paper invoices and manual reconciliation with online bill presentment and payment with WF’s E-Bill Express service.

### E-Bill Express intended benefits for merchants

- Turnkey: Works with your enterprise resource planning (ERP) or financial system.
- Development-free: Requires no web development or extensive support from your IT resources.
- Cross-channel interface: The user interface crosses essential payment channels, including online, digital wallets, interactive voice response (IVR), and customer service representatives (CSR).
- Cardholder fee support: Helps offset the cost of accepting card payments through surcharging or service fees.
- Options: Provides convenient options for your customers to view and pay their bills, which may help you reduce payment collection time, manual payment processing, payment-to-cash cycle time, and payment processing costs.
- Compatible: Works with iPhones, iPads, and Android devices. Android devices require your customers to take an additional step to view notifications.

### How E-Bill Express works

Step 1: Send us your invoice billing file. You send us a file or an API with your customers’ billing information.

Step 2: We send bill notifications to your enrolled customers. Your customers receive bill notifications by email or through their digital wallet.

Step 3: Your customers view and pay. Your customers view their bills online and pay online or by phone.

Step 4: Reconcile payments to invoices. You post payments to your system and reconcile using an automated remittance file or detailed remittance report.

### Surcharge and service fee solutions

Manage the cost of credit card acceptance and ensure your customers have electronic payment options that vary from free to a fee with our surcharge and service fee solutions.

### Fraud management solutions

Protect your business, and your customers, from the continually evolving threat of fraud in the electronic payments space. We provide a wide variety of solutions, including tokenization, encryption, real-time fraud screening, Account Takeover Protection, Payer Authentication, and Bank Account Validation.
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## Merchant services vertical market specialization

Work with our vertical market-aligned Merchant Services consultants who understand how organizations in your industry operate — they’ll partner with you to understand your needs, provide valuable industry insights, and recommend relevant solutions that can work with your industry-specific software.

### Business-to-business

#### Efficiently offer electronic B2B payment options

Employing the right tools to support B2B transactions can optimize cost and efficiency. Whether you are looking to reduce days sales outstanding (DSO), streamline payments acceptance, enhance data security, or increase customer satisfaction, our Merchant Services consultants specializing in B2B can provide guidance and solutions.

#### Help offset the cost of card processing with surcharging

A surcharge is a percent fee that may be applied only to credit card transactions.

Surcharging example: A wholesaler charges a 2% surcharge for qualified B2B credit card payments, whereas other forms of payment do not have this fee.

Key information about surcharging:

- May not exceed the lower of either (a) the maximum rate permitted by each payment network or (b) the actual processing cost.
- May not be applied to debit cards or prepaid cards.
- Supported by Visa, Mastercard®, American Express® OptBlue, and Discover®. The lowest surcharge rate must apply to all payment networks.
- Must be the only cardholder fee charged by the merchant (it can’t be charged in addition to a service fee).
- State laws may vary, so it’s important to consult your legal counsel to determine your obligations and if fees are regulated or prohibited before implementing any cardholder fee.

### Professional services

#### Adaptable and secure Merchant Services solutions for professional services

Your business model is unique and requires adaptable and secure payment acceptance processing. Strategies such as large ticket interchange programs and passing Level 2 and Level 3 data on qualifying transactions can potentially reduce the cost of accepting card payments. Products like online bill presentment and payment can help reduce days sales outstanding (DSO).

Streamlining your payments ecosystem can keep your staff focused on growing your business instead of spending hours posting and reconciling payments and handling exceptions. Let’s talk about tailoring a merchant services solution that can meet your needs.

### Insurance

#### Cover all your bases with flexible Merchant Services solutions

Do you need flexibility in accepting premium payments and quickly disbursing funds for claims?

Near real-time payment confirmation provides insurers with the information you need to bind policies correctly. We can also empower insurers with multiple solutions for accepting ACH payments to save on processing costs. Talk to a Merchant Services consultant today about solutions to cover your needs.

### Government

#### Provide more efficient payment options for constituents

You may be looking for more efficient payment acceptance solutions to counter budget shortfalls, new legislation, increased risk, and shifting workforce demographics. For many government entities, adding more convenient payment options for constituents, especially digital payments, is key to meeting these challenges. Let our Merchant Services consultants help you identify solutions to turn those challenges into opportunities.

#### Service fees can help reduce or eliminate the cost of accepting card payments

A service fee is a variable or flat fee that may be applied to debit card and credit card transactions through any payment channel.

Service fee example: A city government agency charges a 2% service fee to pay for building permits with a debit card or credit card instead of a check or other form of payment.

Key information about service fees:

- Limited to specific government and education Merchant Category Codes (MCCs).
- Supported by Visa, Mastercard, American Express, and Discover.
- Must be the only cardholder fee charged by the merchant (it can’t be charged in addition to a surcharge).

### Healthcare

#### Accelerate your revenue cycle

Taking care of patients while managing your revenue cycle is not for the faint of heart. Patients expect a smooth experience when making a payment, whether it’s for a copay or a prescription.

The right payments acceptance technology can securely store patient payment credentials on file for their convenience while also helping to settle balances quickly after insurance adjudication. Talk to a Merchant Services consultant today about how we can help your practice thrive.

### Retail

#### Optimize retail revenue

You are likely facing challenges as varied as the goods you sell. Everything from supply chain, to changing trends, to inflation has the potential to make or break a fiscal year. Make sure you have a Merchant Services provider you can count on to be there for your customers — when, where, and how they want to make a purchase.

You can optimize revenue by adapting to consumer demand for multiple payment channels with customizable solutions and reporting tools that integrate with your point-of-sale and enterprise resource planning (ERP) systems. Is it time to enhance your payment acceptance process? Talk to a Merchant Services consultant about potential solutions today.

### Restaurant

#### Turn tables with optimized payment acceptance

You have a lot on your plate these days, from supply chain issues to a steady rise in food and labor costs. Mix in a constant reliance on cash, and the need to better manage that cash, and we see an industry that’s hungry for better ways to manage deposits and improve cash flow.

Satisfy your diners’ needs while optimizing your payments acceptance process with technology designed to speed table turns. Talk with a Merchant Services consultant who can serve up solutions to meet your payment processing needs.

### Technology, media, and telecom

#### Securely and effectively manage subscriber payments

The subscription and recurring billing services market is growing and the battle to keep your churn rates low will depend on how efficiently you retain your subscribers.

A good payments experience can help you build brand loyalty. Implementing a combination of tokenization services and automated payment account updating can help you manage your subscription database with minimal manual intervention, while ensuring that sensitive customer payment credentials are not stored within your systems. Talk to a Merchant Services consultant today.

### Commercial real estate

#### Unlock the value of electronic payments for commercial real estate

Location, location, location. There’s simply no substitute for where a property is built. A similar truth applies to your payments: Electronic, electronic, electronic. Staying competitive means developing payment options that go beyond checks and other paper-based processes.

Whether your customers are homebuyers, residential renters, commercial tenants, or others in the property market, commercial real estate (CRE) professionals can find value in the convenience, efficiency, and security that electronic payment solutions offer. As a leading treasury management and capital provider with expertise in the CRE industry, our Merchant Services consultants can help you find solutions to help unlock the value of electronic payments.

### Education

#### Elevate your payments process

Given the sprawling nature of university systems, it’s difficult to get an end-to-end view of how various departments collect revenue and apply dollars to accounting frameworks.

Our Merchant Services consultants dedicated to higher education can help you map all your collection channels with corresponding payment options. We’ll then work closely with your treasury team and department stakeholders to consolidate payments technologies and streamline the cash application process.

#### Service fees can help reduce or eliminate the cost of accepting card payments

A service fee is a variable or flat fee that may be applied to debit card and credit card transactions through any payment channel.

Service fee example: A university charges a 2% service fee for paying for textbooks with a credit or debit card instead of a check or other form of payment.

Key information about service fees:

- Limited to specific government and education Merchant Category Codes (MCCs).
- Supported by Visa, Mastercard, American Express, and Discover.
- Must be the only cardholder fee charged by the merchant (it can’t be charged in addition to a surcharge).

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## Power up your payment acceptance

We’re ready to discuss your needs, show you big picture trends, and help you apply the tools and payments technology that are right for your organization.

Contact us

Additional fees apply for these optional services.

Standard gateway fees and additional fees for Bank Account Validation apply. Eligibility requirements must be met, and your Merchant Services consultant can provide further details. WF Payment Gateway ACH services are required for Bank Account Validation. Use of our ACH service is subject to a thorough credit analysis and requires a WF commercial deposit account. Additionally, you must comply with all applicable laws, regulations, and rules related to ACH transactions, including securing consumer authorization for account debits.

Merchant Services are provided by WF Bank, N.A.

When you use a WF Bank deposit account for settlement or other Merchant Services purposes, you must use a WF Bank business or commercial deposit account. Deposit products offered by WF Bank, N.A. Member FDIC. Merchant Services are subject to application, credit review of the business and its owners, and approval.

RO-5430134

LRC-0426

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