Merchant e-Solutions Simplifies Card Account Updating for Merchants

Prevents Interruption of Recurring Billing Due to Account Changes

REDWOOD CITY, CA. – June 15, 2009 – Merchant e-Solutions, Inc. (MeS), a leading global e-commerce payment provider today announced the addition of Visa and MasterCard automatic account updating services for e-commerce and card-not-present merchants that specialize in recurring billing. Approximately half of all card accounts change annually in an issuing bank’s portfolio, which can lead to denial of transactions billed to outdated cards.

Recurring billing merchants can easily take advantage of Visa’s Account Updater and MasterCard’s Automatic Billing Updater while transacting on the Merchant e-Solutions proprietary processing platform to prevent recurring billing interruption when card accounts are changed for a variety of reasons, including:

• Account number replacement due to lost, stolen or data breached cards
• Change of account numbers or expiration dates
• Account closures due to either customer choice or bank decisions
• Portfolio conversions and program upgrades or downgrades

With these services, Merchant e-Solutions offers its online merchants the ability to electronically receive the most current cardholder information from issuers. Merchants submit request files through one easy interface that supports both Visa and MasterCard and MeS manages all communications with the card associations on a daily basis.

“We are dedicated to bringing innovative solutions to enhance our merchant’s payment relationships while providing them the tools to attain a larger penetration into the recurring billing market segment said Jim Aviles, COO, Merchant e-Solutions. “Our updating capabilities streamline authorizations, prevent transaction declines, add the opportunity for increased sales and ultimately promote customer retention.”

Using Merchant e-Solutions highly advanced payment processing with Visa’s Account Updater and MasterCard’s Automatic Billing Updater enables changes to account numbers and expiration dates for auto bill payments such as; weekly or monthly billings, Internet services, rentals, subscription services, membership or preferred customer programs and more. By automatically insuring uninterrupted service while seamlessly updating “card on file” account information, merchants now have access to data changes in a timely and cost effective manner.

MeS’s Internet-based services include payment processing solutions tailored specifically for online merchants, including the MeS Payment Gateway and Virtual Terminal, plus an extensive real-time, web-based reporting platform that provides access to over five years of processing history. The PCI compliant payment gateway supports a broad range of payment solutions with a streamlined API that is easy on IT resources.

About Merchant e-Solutions

Merchant e-Solutions, founded in 1999, provides Internet-based payment processing solutions for merchants and banks. Merchant e-Solutions currently processes more than
$14 billion dollars in payments for more than 65,000 merchants, supporting 150 global currencies and all major credit, debit and alternative payment solutions. The company specializes in services for e-commerce and card-not-present merchants and provides a comprehensive suite of payment solutions that are PCI compliant and designed to reduce merchant risk exposure. Merchant e-Solutions is headquartered in Redwood City, CA, with operations in Spokane, WA, and satellite offices in Minneapolis, MN, and Columbus, GA.