PowerPoint Presentation

[Audio] Today, we will be discussing the process, rates and requirements for Third Party Acquisition or TPA..

[Audio] To start off, we will go-through the TPA Team Organizational Chart. The chart includes the groups and core functions of TPA. CEO oversees the whole organization while the Vice President manages and handles the whole TPA Team. First group under TPA is Channel Partner. They are tasked to grow TPA portfolio by signing-up new business channels and partners for merchant referrals. They consist of 1 Officer and 1 Associate. Next is The After Sales Team, they provide after sales support to merchants, conduct welcome call-outs to newly-onboarded merchants and monitor non-transacting terminals. Under their team are 1 Manager and 2 Associates. Meanwhile, The Merchant Sales Team is in-charge of Merchant Acquiring, signing-up merchants for SME loans and Buy Now Pay Later. Their team have 4 Regional Managers and 20 Sales Executives. Next is our newly-launched product which is Merchant Lending, we offer SME or Small to Medium Enterprise Loans of up to 1 Million Pesos for existing merchants. For our upcoming New Products and Projects, we have Direct Acquiring, Alipay Plus, P2M or Person to Merchant for TPA and Value Added Service. Lastly, for our Marketing Team, they respond to merchant inquiries through our Official Facebook Page and finalize or localize contents. The TPA Team has a total of 30 full-time employees..

[Audio] Here are some of GHL's Key Merchants:. Key Merchants.

[Audio] These are TPA Philippine Acquirers: For Credit, we have RCBC Bankard and Metrobank. For Debit, we have PNB and RCBC. For our local E-wallets, we have Shopee Pay, Grab Pay and GCash and for our cross-border e-wallet, we have Alipay..

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

[Audio] Here are our TARGET MARKETS for Merchant Prospecting: 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, It's internet connectivity is also through a telco SIM. It is rechargeable and portable..

[Audio] Finally, 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..

[Audio] Here is the list of payment applications per terminal type: For dial-up (except for E F T Sajem), Desktop GPRS and Mobile Wireless, they accept credit, debit, Alipay and GCash. For Alipay and GCash though, we will provide an external QR standee to execute the transactions. For Android A920, it accepts all payment facilities on the POS terminal itself..

[Audio] On this slide, we will be discussing the standard 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, MDR is 3.5% per transaction for regular merchants and 2% for service merchants. Service merchants include Gasoline Stations, Drugstores and Supermarkets. All credit card transactions are subjected to a fixed withholding tax of 0.50% per transaction. For debit MDR, it's only 3% per transaction. E-wallet MDRs are the following: 2% for Alipay, GCash is 1.5% for regular merchants, 0.8% for drugstores, 1% for Gasoline stations and 1.2% for Supermarkets. Grab Pay is 1% for service merchants - gasoline stations, drugstores and supermarkets and 1.5% for regular merchants. Shoppee Pay is 1.5% for service merchants and 2% for regular merchants. Please note that Withholding tax is not applicable for both debit and e-wallet MDRs. The 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. Please also note that Grab Pay and Shopee Pay e-wallets are only available in Android A920. Finally, there will be a one-time, non-refundable 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 204 and 240 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 to 10 pesos. The deficit will be the rental fee. (For Example, minimum transaction count required is 204 pesos and their minimum transaction count for month is only 100, computation should be 2,040 pesos minus 1,000 (This is 100 multiplied by 10 pesos). Rental fee will be 2,040 pesos minus 1,000 pesos which is 1,040 pesos. Lastly, there is a one-time, non-refundable installation fee of 2,000 pesos without decal and 2,500 pesos with decal..

[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 will cover 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 - It should be 1 Government issued ID with picture. *For Professionals, they are required 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) For Partnership or Corporation: SEC Registration/ GIS (General Information Sheet, if the company aged 1 year and up) Articles of Partnership or Articles of Incorporation and By-Laws Original notarized Partnership Resolution or Secretary's Certificate (2 copies) Certificate of Registration or C O R Updated Business Permit Valid ID of the signatory and Corporate Secretary. It 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, It should be SSS or TIN ID. For the following Agreements and Terms and Conditions, it should be signed per page and submit 2 original copies each: GHL Merchant Application & Agreement Form Credit Terms and Conditions Debit Terms & Conditions GCash Application Form and Terms & Conditions Grab Pay Application Form and Terms & Conditions Shopee Pay Application Form and Terms & Conditions Alipay Application Terms & Conditions.

[Audio] These are the reminders in submitting documentary requirements: For DTI or SEC Registration: It should be clear and matching details for the name and company name The following DOCUMENTS should be notarized: Partnership Resolution Secretary's Certificate Articles of Incorporation and By-Laws and GIS Here's the list of 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 – they need to submit the latest Audited Financial Statement or AFS If establishment is still under construction – provide floor plan, layout and lease contract or contract of lease. For Kiosk-type merchants, they 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 Dealership Agreement or Certificate of Dealership. If there is a discrepancy in name due to marital status, Marriage contract or certificate 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 in the COR (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 pin 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. Please do note that High Risk merchants will be subject for approval by our Evaluation Team, Risk Team and Acquiring Bank: Travel Agencies and Tour Operators. Precious Stones and Metals, Watches and Jewelries. Automobile and Truck Dealers - Sales, Service, Repairs, Parts, and Leasing. Automobile and Truck Dealers under Sales (This is for used cars and trucks only). Motorcycle Shops and Dealers Drug Stores or Pharmacies Second Hand Stores and Used Merchandise Stores Pawn Shops Clock, Jewelry, Watch, and Silverware Stores Leather Goods and Luggage Stores Direct Marketing and Insurance Services Direct Marketing - Travel-Related Arrangement Services Direct Marketing - Catalog Merchants Direct Marketing - Combination of Catalog and Retail Merchants Direct Marketing - Outbound and Inbound Telemarketing Merchants Direct Marketing - Continuity or Subscription-based Merchants Direct Marketing - Other Direct Marketers Art Dealers and Galleries Computer Programming, Data Processing, and Integrated Systems Design Services Gambling Transactions Civic, Social and Fraternal Associations Lastly, Clubs, Country Clubs, Membership (For Athletic, Recreation and Sports) and Private Golf Courses.

[Audio] These are the list of ADDITIONAL REQUIREMENTS FOR High Risk Merchants: Valid Government Issued ID Of All Key Officers Of The Company Bank Certification From Other Banks Latest Audited Financial Statement Latest GIS For Validation Of Key Officers Travel and Tours companies may be required of account threshold deposit amounting to 300,000 pesos to 500,000 pesos For Pawnshops, additional documentations are listed below: 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 ( ITR, Audited Financial Statement, Loan Application, Deed of Donation, Deed of Sale etcetera and Reasons for the intended or performed transactions. For Future Delivery Merchant or will fullfill goods or service at a later date, a copy of the merchant's refund policy with an appropriate space for the cardholder's signature..

[Audio] The High Risk Areas are the following. Processing of application for these areas is subject for approval by the Evaluation Team, Risk Team and Acquiring Bank: North Cotabato, Maguindanao, Lanao del Sur and Lanao del Norte.

[Audio] The next 10 slides will show the list of Prohibited Merchants per Acquirer. Here's the list of prohibited merchants for RCBC and PNB Acquirers.

abstract. Investment in gold bars. • Investment schemes. • File sharing services. Items that promote hatred, racism, religious persecution, or contain offensive content. • Items that encourage illegal activity. Human remains and body parts. • Multi-level marketing and networking. • Stolen goods, including digital and virtual goods. Items considered obscene. Associated with purchases of annuities or lottery contracts, lay-away systems, off-shore banking, or transactions to finance or refinance debts funded by a credit card. • Payment aggregators. Associated with the sale of traveler's cheques or money orders. • Check cashing businesses. • Provision of certain credit repair or debt settlement services, credit transactions, or insurance activities. Sales of products or services identified by government agencies to have a high likelihood of being fraudulent. Gambling, gaming, or any other activity with an entry fee and a prize, including casino games, sports betting, horse or greyhound racing, lottery tickets, and other ventures that facilitate gambling, games of skill, and sweepstakes..

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

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

[Audio] List of Alipay Acquirer Prohibited Merchants are as follows..

abstract. ALIPAY Prohibited Merchants O. Cash disbursement from credit sources (e.g., credit cards) • Counterfeit currency • Illegal sale of financial information (e.g., bank accounts, bank cards) • ii) Stock and securities Mutual funds Insurance products and platforms • Financial products and services Rebate or cashback services • Software or products related to financial trading • • Single-purpose prepaid cards (including gift cards) Illegal or unregistered fundraising activities • Foreign exchange services • Peer-to-peer (P2P) lending services • Payment by installments service • Trading in invoices issued within China Trading or sale of virtual currencies (e.g., Bitcoin, Litecoin) Satellites and antennas • • Archaeological and cultural relics Trading or distribution of currency (RMB and foreign currencies) Counterfeit or replica food products • Online sale of tobacco and cigarettes Fireworks and firecrackers • Crude oil Human organs Surrogacy services Services to facilitate plagiarism and cheating in exams • • Protected species Smuggled goods • Sale or distribution of event tickets without a license (Example: Olympic Games or World Expo tickets) • Seeds • Real estate • Charitable organizations Auction sites and services • Pawn services • Lucky draws • Sale of animals, plants, or products with contagious and hazardous diseases • Sale of animals, plants, or products from epidemic outbreak areas • Services or products facilitating unlawful public gatherings •.

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

abstract. GRAB PAY Prohibited Merchants O. • No-value-added services, including the resale of government offerings without authorization or added value, unfair, deceptive, or predatory sites, and services related to prostitution, escorts, mail-order brides, and similar activities are not allowed. Reputable and non-explicit online dating websites are an exception. • Flammable, explosive, pyrotechnic, toxic, and hazardous materials, including fireworks, explosives, radioactive substances, and gunpowder, are strictly prohibited. Gambling and casinos are not allowed in countries where they are prohibited or accepting users from jurisdictions where such activities are prohibited. • Items issued by government law enforcement and military, such as uniforms, badges, and decorations, are not permitted unless they are historical or clearly non-genuine or unofficial (e.g., toys). • Illegal drugs, tobacco, and health products, as well as substances designed to mimic their effects, are strictly prohibited. Accessories and products used to create or consume these substances, such as bongs and hookahs, are also not allowed. Political, religious-spiritual, charitable, and non-profit organizations are prohibited, except for legally registered, large, and reputable charities not affiliated with any religious, spiritual, or political views. The sale of animals or pets is not permitted, but pet supplies are allowed. • The sale of social media activity, including the sale of Facebook likes, Twitter followers, and YouTube views, as well as click farms, is prohibited. • Weapons of any kind, including firearms, ammunition, knives, nunchakus, and related products, are strictly prohibited. Toys, gifts, and replicas resembling such items are also not allowed. • All types of airlines, including regular commercial airlines, low-cost carriers, charter and flight tour operators, private jets, and helicopter taxis, are not permitted. • Hotels and accommodation services of any kind, such as hostels, apartments, serviced apartments, motels, resorts, and villas, are prohibited..

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

[Audio] Lastly, here's the list of Prohibited Merchants for Pay Maya..

[Audio] For process and turnaround time for POS terminal application, see illustration below: A total of 11-13 working days for Metro Manila, 13-15 working days for Provincial locations, and 15-20 working days for out of service areas..

[Audio] Turnaround time for Payment of funds to merchant is T plus 2 (Transaction date plus 2 working days). Acquiring Bank and GHL will do reconciliation and validation of transactions. Once done, settlement of funds to merchant will be processed the next working day..

[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, Tuesday for validation, settlement to merchant will be on the second working day which is Wednesday. Please take note that weekends and holidays are not included when counting for settlement. For example, if the settlement on the POS terminal was done on a Friday, the funds will be settled on Tuesday the following week..

[Audio] Daily Transaction Statement 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 2 3 0 7, issued by the acquiring bank, representing the .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 and processing of the application takes 10 to 15 days if submitted with complete documents; We have faster installation of GHL POS terminals. POS installation is within 3 days for Metro Manila and 5 days for Provincial areas once application is approved and payment has been confirmed. No sales quota is required. We process merchant application from small, medium to large businesses We operate nationwide We have seamless settlement process with statement of accounts being sent directly to merchant's registered email address GHL POS terminal accommodates local and international credit and debit cards (Visa, Mastercard, JCB, UPI, Bancnet) We deploy Android terminals, an all-in-one terminal processing cards and E-Wallet payments. The One-time Installation Fee includes monthly three thermal paper rolls for free, POS Terminal Service Requests, dedicated After Sales agent, yearly maintenance service and 24/7 Helpdesk...

[Audio] That concludes the presentation. Thank you for your time and have a great day ahead!.