FAC delivers customized and flexible online payment processing solutions to international merchants across the globe. Our secure payment gateway offers custom payment processing and risk management services…

1. Internet Payment Solutions for International Merchants
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From First Atlantic Commerce

2. Internet Payment Solutions for International Merchants
FAC - Driving Payment Innovation
First Atlantic Commerce is a
leading International Online Payment
Gateway since1998. Headquartered in
Bermuda, we are dedicated to providing
banks and businesses across the world
with customized payment gateway. We
also offer multi-currency payment
processing and risk management
solutions for Acquiring banks and
Internet merchants.

3. Internet Payment Solutions for International Merchants
Why Choose FAC?
Driving Exceptional Customer
Service & Satisfaction
 14 years of experience
 PCI DSS Certification
 Global Bank relations
 Custom Online Payment Solutions
 Alternative Payment
 Industry Expertise
 Powerful Risk Management
 Real Time Reporting
 Reliable & Secure Payment Platform
 Excellent Customer Support
 Dedicated Relationship Manager

4. Internet Payment Solutions for International Merchants
FAC Services
– Powering Payments. Mitigating Risk
 Real-time credit card processing
 International Merchant Accounts
 Multi-currency Payment Gateway
 Multi-jurisdictional settlement
 Virtual Terminal
 Recurring Billing
 Hosted Payment Page
 Tokenization
 EFT and checks
 South American payment options
 3-D Secure
 Pre-authentication services
 Fraud Mitigation
 Alternative Payment

5. Internet Payment Solutions for International Merchants
Major Industries We Serve
• Travel And Hospitality
• Ticket And Event Management
• Retail
• Prepaid Phone Card And VoIP Service Providers
• Digital Content
• Internet And Technology Providers
• Gaming
• Pharmacy

6. Internet Payment Solutions for International Merchants
Merchant Services
• Tailored Multi-Currency Internet
Payments
• Standalone And Integrated
Real-Time Solutions
• International Merchant Accounts
• Offshore Credit Card Processing
• Virtual Terminal - MO/TO
• Alternative Payment
• Pre-Authentication Services
• Payer Authentication Services
• Real-Time Transactions

7. Internet Payment Solutions for International Merchants
Who Can Avail Our Merchant Services?
• Online pharmacies
• Gaming companies
• Direct online hotel
• Digital content providers
• Online niche food stores
• Property listing
• advertising companies
• Marketing,
• Health/herbal supplement providers
• CDs, DVDs and electronic games companies
• Global charities with an online presence
• Mainstream dating companies
• Ticketing and event management companies
• Airlines

8. Internet Payment Solutions for International Merchants
Fraud & Data Management
 Assisting Global Internet Merchants To Protect Their Sales
Our services protect the business of online merchants from
unauthorized payments, fraudulent transactions and chargebacks.
Pre-Authentication Services
Our payment processing services include Address Verification
Services (AVS) and Card ID Verification.
 Verified by Visa And MasterCard® SecureCode™
Our cGate®SecureVerify solution, is based on the Card Associations'
3-D Secure™ technology. It protects merchants from fraudulent
transaction, unauthorized payments and chargebacks.

9. Internet Payment Solutions for International Merchants
Fraud & Data Quick Guide
Checking our FAQ section will answer your questions:
• Do I Have To Establish A Merchant Account In Order To Obtain Your Online
Fraud And Data Management Solutions?
• Are There Any Restricted Merchant Types?
• Do I Have To Be An Established Internet Merchant To Apply?
• Do I Need To Incorporate To Obtain These Services?
• Will I Need To Sign A Contract With You To Cover These Services?
• Can I Pay For These Services in Different Currencies?
• Is User Training Available For These Services?
• How Do I Obtain Chargeback Liability Shift?
• What Are The Benefits Of 3-D Secure™ To My Business?
• What Are The Benefits Of AVS To My Business?

10. Internet Payment Solutions for International Merchants
Reliable & Effective Bank Acquirer Solutions
• Consulting And Customized Solutions
• AVS/CVC Pre-Authentication Services
• 3-D Secure™ Solutions
• Payment Gateway Services
• Risk Reporting

11. Internet Payment Solutions for International Merchants
Bank Acquire Solutions Quick Guide
Checking our FAQ section will answer your questions
• What Qualifications And Experience Can You Offer New Acquirers?
• When Should I Choose First Atlantic Commerce?
• What Other Services Can You Offer Acquirers?
• Who Would Have Final Approval On The Merchants We Would
Take?
• What Happens Once We Approve A Merchant?
• How Long Does It Take For The Merchant To Go Live After
Approval?
• What Are The Benefits To Working With First Atlantic Commerce?

12. Internet Payment Solutions for International Merchants
Your Online Credit Card Processing Partners
We offer two types of partner programmes:
1. Referral Partner Programme
2. Acquirer Partner Programme

13. Internet Payment Solutions for International Merchants
FAC Strategic Partners

14. Internet Payment Solutions for International Merchants
FAC Milestones
• 1998
First Atlantic Commerce (FAC) was founded in April 1998 by our
former CEO, Andrea Wilson, and three other entrepreneurs
• 1999
FAC is instrumental in the development of Bermuda's
eCommerce infrastructure , consulting with Government in the
drafting of The Standard for Electronic Transactions, The
Electronic Transactions Act 1999 (ETA)
• 2000
FAC is featured in a front page article on offshore
eCommerce in the Wall Street Journal
• 2001
FAC partners with ScotiaBank International for eCommerce
merchant Acquiring in the Caribbean
2002
FAC contracts with banks in Panama to provide Latin and
Central American eCommerce merchant Acquiring solutions.
This was the first region to implement multi-currency
presentment solutions in 58 different currencies
(settlement in USD)
And the story of our achievements goes on and on.

15. Internet Payment Solutions for International Merchants
Success Stories
• Whenever we need them for assistance or advice, the team at FAC is
always a phone call away and ready to help. Whether it is an integration
issue, new service addition or day-to-day account management, all our
requests are handled quickly and efficiently. We know that all we have to
do is ask - FAC's team does the rest.
- Milena Stefanova, Financial Manager
• Our long term collaboration with First Atlantic Commerce (FAC) can be
characterized by the unique complexity of their services, speed of
communication and responsiveness to their clients.
- Andrea Sheppard, Finance Manager
• It all worked great and we're going live this week. Thanks again for your
help, you're awesome!
- Juan Jaramillo , Senior Developer, Centurion Media Group
• We have been using the services of FAC for the past four years. During
that time, we have received an excellent level of customer support. We
have also received an excellent interpersonal service on a one-to-one
basis. They have a very user-friendly interface that was easy to integrate
in web sites.
-Tony Berkman, Internet Travel Group Inc., Spain

16. Internet Payment Solutions for International Merchants
Contact Us
Thistle House
2nd Floor
4 Burnaby Street
Hamilton, HM 11
Bermudaver
Telephone: 02031399018
Fax: 441.295.6855 or 441.295.6708
Email: info@fac.bm
Website: www.firstatlanticcommerce.com