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Contactless PaymentContactless Payment is similar to traditional swipe card payment, except information is transmitted by a radiofrequency (RF) antenna embedded within a plastic card. Contactless Payment works with point of sale equipmentor terminals equipped with an RFID (Radio Frequency Identification) reader. The card wirelessly transmits Track 1and/or Track 2 payment details to the terminal when tapped or waved near the contactless card reader.Discounts, Fees and FinesFor First Data merchants, explanations of fees and fines are available to merchants in their Merchant OperatingGuide, Merchant Application or Processing Agreement, or by calling the Customer Service phone number on theirmonthly merchant statement Interchange Discount fees are assessed on Credit and Non-PIN Debit (Signature) transactions. The feescollected may be a percentage of the transaction, a flat amount per transaction, or a combination of the two.oFees collected by the merchant’s payment processing provider are paid to the card associations, issuingbanks, and depending on merchant agreement, payment processor. Association Fees are those billed by the card associations (Visa, MasterCard, Discover, American Express,etc.) and vary. Compliance Fines can be assessed by First Data or the Card Associations when a merchant is not followingrules, regulations and mandates for their payment card acceptance practices.Rapid Connect Petroleum Quick Reference GuideConfidential and Proprietary to First Data 16

Interchange FeesInterchange fees vary based upon a complex series of interchange levels and depend upon a number of factors,such as: The type of credit card being presented Transaction information included in request and completion How and/or when the transaction is processed The merchants industry Other factorsSome of these factors can be influenced by the merchant and payment application, others cannot.Below are examples of factors which can be influenced by the merchant and/or payment application:Better QualificationDowngrade Reason Settlement within the same business day Settlement greater than 2 days Valid Electronic Authorization No authorization Validation Code / Tran ID present Missing Validation Code / Tran ID Card Present (Swiped, Contactless) Key entered (Manual) Authorized and Settlement amount match Settled and Authorized amounts do not matchRapid Connect Petroleum Quick Reference GuideConfidential and Proprietary to First Data 17

Association Fees and Compliance FinesAll merchants will pay Association Fees, but there are factors that influence these assessments that can result inhigher or lower fees. In addition, Compliance Fines are incurred when payment applications or merchant businesspractices do not meet requirements and mandates.Example of several factors contributing to higher Association fees or Compliance fines: No offsetting transaction: Merchants can be assessed a fine for each approved authorization request that isnot settled or reversed. Downgraded interchange: Transactions subject to downgraded interchange may also be subject to higherAssociation fees. Not enabled for Partial Authorization: Fines occur when merchants are not using a payment application incompliance with Partial Authorization mandates.Chargeback risk reductionFor hand keyed transactions, an imprint of the front of the card (raised numbers and text) and the cardholder’ssignature is required at the time of sale. This helps protect the merchant from potential chargebacks.Rapid Connect Petroleum Quick Reference GuideConfidential and Proprietary to First Data 18

2.2 PIN Debit CardPIN entry is required for all PIN Debit requests at the Point of Sale, except Time Out Reversals and VoidsRapid Connect supports Void/Full Reversals for PIN Debit Sale and Authorization transactions Merchants must have a contractual agreement with their bank alliance to support Debit Voids/ Full Reversalin order to implement this payment featureRapid Connect supports Refund transactions for PIN Debit Cards Debit Refund transactions do not support Cash Back amounts Merchant policies regarding Debit cards may or may not support Refunds on Debit cards Merchants must have a contractual agreement with their bank alliance to support Debit Refunds in order toimplement this payment featurePIN Debit Cards may support Signature Debit transactions where no PIN is required (may be referred to as “CheckCards”). In Rapid Connect, transactions occurring on this type of card (no pin) would be processed as a Credit Cardtransaction. This is not the same as PINless POS Debit, which is discussed further on the following pageRapid Connect Petroleum Quick Reference GuideConfidential and Proprietary to First Data 19

2.3 PINless POS DebitPINless POS Debit is an optional payment feature which allows certain ‘traditional PIN’ transactions to be processedwithout a PIN. PINless POS Debit provides additional routing options for Card Present Merchants without a PINpad. The Point of Sale will include the PINless POS Debit Flag in the request message. If the transaction wasapproved as a Debit transaction, First Data will send back the transaction response as being processed as Debit.PINLess POS Debit is supported in the following transactions: Authorization sent by a terminal capture merchant as a Credit Authorization and approved as a DebitAuthorization Sale sent by a host capture merchant as a Credit Sale and approved as a Debit Sale Refund sent by a host capture merchant as a Credit Refund and approved as a Debit RefundPINLess POS Debit is NOT supported in the following scenarios: Manually keyed transactions Cash Back Automated Fuel Dispensers Transactions where the final amount is not known (restaurants with tip, hotels, car rental)Void procedures will follow the payment type that was used for the original Authorization and Sale transaction. If approved as Debit, must be processed as Debit in the Void transaction If approved as Credit, must be processed as Credit in the Void transactionRapid Connect Petroleum Quick Reference GuideConfidential and Proprietary to First Data 20

2.4 EBT CardRapid Connect supports EBT Cash Benefits.EBT stands for Electronic Benefit Transaction. State and county agencies issue cash benefits for various needs.EBT Cash BenefitsEBT Cash benefits can be spent like cash wherever EBT payments are accepted. EBT Cash transactions must beSwiped. Manual key entry is not supported.Rapid Connect Petroleum Quick Reference GuideConfidential and Proprietary to First Data 21

2.5 Prepaid CardPrepaid Closed LoopFirst Data Prepaid Closed Loop solutions are designed to be used only within the issuers’ network of locations.Examples of closed loop issuers include retail stores, casinos, oil companies, telecommunications companies, andrestaurants.Note: Prepaid Closed Loop Void/Full Reversal Transactions where the POS Entry Mode 90 or 91 was sent on theoriginal transaction must be sent with the POS Entry Mode 01 using the account number received in the originalAuthorization response.Generic PrepaidRapid Connect supports Pont of Sale transactions with multiple prepaid card programs.Prepaid resellers have relationships with many prepaid card issuers and merchant retailers, which usemerchandising displays for customers to easily select prepaid cards. Cards are activated at the merchant retailerpoint of sale, and then work much like a prepaid closed loop card for merchant specific programs, or as open loopprepaid for cards that carry the acquirer brand.Rapid Connect Petroleum Quick Reference GuideConfidential and Proprietary to First Data 22

2.6 Private LabelRapid Connect supports Private Label payments on Generic Proprietary card transactions. Private Label cards workmuch like a Credit card, and are only eligible for purchases made at merchants that support Generic Proprietarycards.Private Label programs are unique and clients that wish to implement a Private Label program should consult a GPMrepresentative.Rapid Connect Petroleum Quick Reference GuideConfidential and Proprietary to First Data 23

2.7 ChecksRapid Connect supports check transactions for Certegy and TeleCheck, for Paper check processing; TeleCheck ECAfor Electronic Check Acceptance processing.Merchants must establish an account with their check service provider prior to implementing check acceptance.TeleCheck ECA The TeleCheck Electronic Check Acceptance (ECA) service converts a paper check into an electronic item at thepoint of sale. TeleCheck ECA checks are authorized through a specially-designed, secure TeleCheck system thatcaptures banking information and the amount of the check. The check-writers’ signature is required on approvedECA transactions, authorizing TeleCheck to electronically present the check to the check-writers’ financial institutionand deposit funds to the merchants' account. TeleCheck ECA allows the merchant to obtain an authorizationimmediately, and then return the check and a transaction receipt to the check-writer at the point of sale.Rapid Connect supports Sale and Void transactions for TeleCheck ECA, including MICR only and MICR with Dual ID.Depending on the merchant agreement with TeleCheck, the MICR only or Dual ID will be required for electroniccheck processing. MICR only processing relies on the electronic capture of the check MICR. In addition toelectronically capturing the MICR, Dual ID processing also captures check-writer information from a State orGovernment issued form of Identification.Not all checks will be ECA approved. Some checks will be approved as paper only. When a paper approval isreceived, electronic conversion has not taken place and the merchant must deposit the check for payment.TeleCheck ECA transactions do not support manually entered MICR data. Manually keyed check transactions forAuthorization require the merchant to deposit the check for payment.Rapid Connect Petroleum Quick Reference GuideConfidential and Proprietary to First Data 24

TeleCheck PaperTeleCheck Verification and Guarantee processing enable merchants to make an informed decision on whether toaccept a check from a customer. Rapid Connect supports Authorization transactions for TeleCheck Paper checkprocessing.Rapid Connect supports Authorization transactions for TeleCheck Paper. MICR, Hand Keyed MICR, and Driver’sLicense transactions are supported.Services available: Warranty: Provides the Merchant a reimbursement up to the check warranty maximum, if all warrantyrequirements have been met. Verification: Utilizes proprietary risk management tools to determine the risk of accepting a particularcheck.CertegyRapid Connect supports Authorization transactions for Certegy paper check processing.Rapid Connect Petroleum Quick Reference GuideConfidential and Proprietary to First Data 25

Chapter 3: Receipt Requirements3.1 RetentionMerchants must retain receipts for transactions.Receipt Retention timeframes: Visa and MasterCard, 5 years for FSA/Healthcare related and 13 months all othersDiscover, Diners and JCB (US Domestic), 3 yearsAmerican Express, 2 yearsDebit & EBT, 2 yearsPrepaid – contact card issuer for detailsPrivate Label – contact the card issuer for detailsMerchants with specific questions regarding receipt retention or receipt requirements may contact theirAccount Representative for more information.Rapid Connect Petroleum Quick Reference GuideConfidential and Proprietary to First Data 26

3.2 Receipt FieldsThe fields below are required for one or more card associations, unless noted otherwise.Basic Credit/Debit - ReceiptFieldsDescriptionsMerchant NameDBA nameMID/TIDMID/TID - optional, but recommendedMerchant AddressStreet Address, City, State, Postal CodeMerchant CountryIf non-USTransaction Date and TimeLocal Date and Time of the TransactionAccount Number or IDTruncate all but the last 4 digits for Credit and Debit cardsReceipt Number / SequenceNumberCreated by Merchant/POSTransaction TypeAs in Sale, Authorization, Refund, Void, etc.Payment TypeCredit, Debit, EBT, etc.Card TypeVisa, MasterCard, American Express, Discover, etc.Result – Approved/DeclinedResponse will indicate Approval or reason for DeclineAuthorization IDIf approved, this value is present in the response from host/issuerBrief description with pricei.e., Merchandise, Tax, and amount of eachCash Over AmountCredit card, required for Discover and Diners only. Debit card,referred to as Cash Back (see Amount by Function below).Total Transaction AmountWith currency symbolRapid Connect Petroleum Quick Reference GuideConfidential and Proprietary to First Data CreditCard OnlyXX27

Basic Credit/Debit - ReceiptFieldsDescriptionsCreditCard OnlyCardholder Signature LineOn Merchant Copy Not required for No Signature Required programs, i.e.o MC QPSo Visa Small Ticket / Easy Payo Discover No Signatureo AMEX under 25XCardholder NameOn manual entry only; unless prohibited by lawXBalanceIf provided in responseTransaction Receipt LegendMust state ‘Merchant copy’ or ‘Customer copy’XTerms & Conditions of SaleIf the merchant has conditions, such as a no refund policy, then“No Refunds” must be printed on the receiptXCredit Card Customer CopyWordingCustomer Copy - Retain this copy for statement validationXCredit Card Merchant CopyWording“The Issuer of the Card identified on this item is authorized to paythe amount shown as ‘total’ upon proper presentation. I promise topay such total (together with any other charges due thereon)subject to and in accordance with the agreement governing the useof such Card.”XRapid Connect Petroleum Quick Reference GuideConfidential and Proprietary to First Data 28

Credit Card Refund –Additional Receipt FieldsDescriptionsCreditOnlyOriginal Sale DateDate returned item was sold to the customerXReason for the refundReturn or adjustment on goods or services soldXMerchant Copy Wording“I request that the above Cardholder account be credited with theamount shown as ‘total’ because of the return of, or adjustmentson, the goods, services, or other items of value described, andauthorize the bank to which this credit slip is delivered to chargemy account in accordance with my agreement with such bank.”XCustomer SignatureMerchant CopyXPIN Debit – AdditionalReceipt FieldsDescriptionsPIN Debit - Amount by functioni.e. Purchase, Cash backPIN Debit - Fees assessedIf applicableRapid Connect Petroleum Quick Reference GuideConfidential and Proprietary to First Data 29

EBT – Receipt FieldsDescriptionsMerchant NameDBA NameMerchant AddressStreet address, City, State and Postal CodeTransaction Date / TimeLocal Date and Time of the TransactionTotal Transaction AmountWith currencyResultApproved or Declined with descriptionTransaction TypeAs in Sale, Authorization, Refund, Void, etc.Account Number or IDTruncate all but the last 4 digits for EBT cards.BalanceIf provided in responseRapid Connect Petroleum Quick Reference GuideConfidential and Proprietary to First Data 30

Prepaid Closed Loop receipt requirements are based on best practices.Developers should contact the client / card issuer to determine if any fields are optional, or if additional fields arerequired for a specific client program.Prepaid Closed Loop – Receipt FieldsDescriptionsMerchant NameDBA NameMID/TIDPrepaid Merchant and Terminal IDMerchant AddressStreet Address, City, State and ZipMerchant Phone NumberPhone Number of the MerchantPayment TypeStored Value CardTransaction TypeActivation, Reload, Redemption, Balance InquiryTransaction Date/ TimeLocal Date and Time of TransactionReceipt Number / Sequence NumberCreated by Merchant/POSAccount Number or IDTruncate only the last 4 digitsResultApproved or Declined with descriptionAuthorization IDIf approvedBrief description of goods or services with pricei.e. Merchandise, Tax, etc.Total Transaction AmountTotal Transaction AmountBalanceIf provided in responseRapid Connect Petroleum Quick Reference GuideConfidential and Proprietary to First Data 31

TeleCheck receipt requirements are based on best practices.Merchants may contact their Account Representative with any additional questions.TeleCheck Paper - Receip

Added the Card Types Buypass, EssoFleet, ExxonFleet amd ValeroFlt for the Payment Type Fleet. Changed Footnote number 3 from "Applicable Only to MasterCard Fleet and Visa Fleet" to "Applicable Only to EssoFleet, ExxonFleet, MasterCard Fleet and Visa Fleet". Changed Footnote number 4 from "Except Wex" to "Except ValeroFlt"