Zipmark Product Overview with Examples of Markets we are working in.

1. free your money
Wednesday, April 3, 13

2. 2
Payments
The Zipmark platform satisfies billers by providing faster, more secure digital check payments with a
simpler, lower fee structure.
Market Need:
Easy eCheck Payments
• Reduce cost and risk associated with
payments
• Improve cash management for
merchants
• Inexpensive, clear fee model
• No need to store customer financial
data
• No additional payment or merchant
accounts
• Secure eCheck payment option for
eCommerce and e-Billing
• API allows realtime integration to
digital or print interfaces
• Zipmark’s Check 21 compliant solution
is fully aligned with banking security
and privacy norms
• One Fee, No Returns: 1% with $5 max
Solution:
Zipmark Digital Checks
Wednesday, April 3, 13

3. 3
SettlementProcess
Secure
Payment
Manager
Check 21
Compliant
eCheck
Creation
Fraud Gateway
Risk Management
Authorization
Payer initiates
transaction on
Zipmark app
Check 21 demand
draft submitted
ACH credit
approved and
submitted
Check Deposit ACH Credit
Payer’s Registered
Banking Institution
Zipmark Agent Bank Payee’s Registered
Banking Institution
Payee receives
funding message
on Zipmark app
4321
Zipmark’s secure platform improves the way checking transactions are settled.
Wednesday, April 3, 13

4. 4
PaymentRecord
User bank accounts will always display a clear record of Zipmark transactions.
• Users see all Zipmark transactions in their existing bank account management websites
• Financial management tools such as Mint or Quicken work with Zipmark
• Zipmark transactions carry the familiar image of a check, clearly indicating all transaction elements, including
payee, amount and account numbers
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5. 5
ClientValue
Zipmark offers the simplest and most compelling way to accept check payments
ACH Paper Checks
Ease of Use
Immediate merchant onboarding
Can be used as inline payment for e-
Invoices, billing apps and API
All payments have invoice data
Opaque underwriting requirements
most SMBs unable to qualify
Payer bank account data required
No remittance data
Paper administration costs
Efficiency tied to on site scanner
No remittance data
Cost & Settlement
1% of transaction (capped at $5)
Settles in 1 business day
No returned
Transaction $0.25-$0.50
+
Monthly $100-$500
+
Returns $4.00-$15.00
4 days to settle & 60 day repudiation
Free Transaction
+
Returns $5-$20
+
4-10 days to settle
Benefits
Saves money & time vs.ACH or paper.
Access via apps and partners or API
to build a custom user experience
Faster than paper
User experience cannot be
modernized
No process change required to
accept.
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6. 6
PaperChecks
In a 2012 survey conducted by FIS of 3,204 consumers, 52% reported writing at least one paper check within
the past 30 days to pay either a recurring or occasional bill
0%
20%
40%
60%
Paper Check Bank Bill Pay Credit Card Debit Card Biller Site ACH Cash
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7. User Experience and Presentment
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8. 8
RecurringBillers
Customized bill payment portal brings businesses like utilities into the 21st century with a single click.
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9. 9
PropertyManagement
Fully-customizable rent payment portal allows tenants to pay for their homes while at home.
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10. 10
CloudInvoicing
Small businesses can save time and money on transactions by billing with our e-invoicing partners.
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11. 11
MobileExperience
Secure bill pay in the palm of your hand.
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12. 12
MobileExperience
User sees total amount due, and is
also able to view the detailed bill
Detailed bill displaying individual
line items
Confirmation Recurring Payment
Secure bill pay in the palm of your hand.
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13. 13
MobileExperience
Users are able to set an upper limit on variable bills such as cable, utilities, etc.
Any invoice less than or equal to that maximum amount will be automatically processed.
Secure bill pay in the palm of your hand.
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14. 14
Partners
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15. 15
IntheNews
“Top Tech Companies to Watch in Silicon Alley”
Zipmark featured alongside Foursquare, Gilt Groupe and Tumblr
“Zipmark leverages the existing check-processing
infrastructure to create a payment system that is fast,
simple and cheap for users.”
“Pay via mobile phones by using an app to generate
an electronic representation of a check.”
“Aiming to make paying by checking account cheaper
and more convenient.”
Wednesday, April 3, 13