Our value proposition consists of the following:

1. Several acquiring banks integrated on the Pensio platform offering the online shop, hotel, and restaurant or retail store the lowest cost per transaction. Pensio has negotiated volume agreements with leading acquiring banks in Europe. The benefits from these agreements are offered directly to our customers.

2. Payment is done directly from the acquiring bank to the merchant’s bank. The risk of payment is thereby reduced to a minimum. Pensio offers expedited payments to support strong flow of cash for our customers.

3. Pensio supports Dynamic Currency Conversion. When foreign guests travel with credit cards issued in their home currency, every time they are billed they wonder what price will appear on their card statement and what commissions they will have to pay. Directly connected to Pensio’s server, integrated Dynamic Currency Conversion allows customers to decide what currency to use with the favorite credit card removing insecurity about final price and commission.

4. Merchants with multiple locations abroad need a solution to support their operations. Traditionally, conducting business in multiple countries and currencies resulted in complex payment processing. Each currency in which merchants did business required a different processor resulting in multiple pricing points. By integrating to several acquiring banks in Europe and globally, merchants using the Pensio solution will meet customer demands by accepting numerous international and local cards in local currency. Customers may use their favorite credit card instead of being restrained to using only a few international cards. Research shows that revenue will improve when merchants accept several local and international cards.

4. Pensio’s state of the art Information System offers intuitive, realtime visibility into transactions across the acquiring banks providing the kind of overview and comfort you are looking for.

5. Secure environment: Pensio has received the highest Payment Card Industry certification. The Payment Card Industry (PCI) Data Security Standard is an industry regulation developed by VISA, MasterCard, Discover, and other bank card distributors. It requires organizations that handle bank cards to conform to security standards and follow certain leveled requirements for testing and reporting. MasterCard markets the program as their Site Data Protection (SDP) Program and VISA markets it as their Cardholder Information Security Program (CISP).

The Pensio infrastructure platform is designed for 24/7/365 operation with mirrored environment to minimize downtime. During 2008 uptime has been 100%.