CBD Merchant Accounts Services

1. CBD PAYMENT PROCESSING SOLUTION

2. IPAYTOTALPROFESSIONAL SERVICESPACKAGE FOR MERCHANT ACQUIRING The payments landscape is a changing one, characterised by globalisation, regulation, new technology and increasing diversity of consumer payment methods. There is, therefore, a growing challenge to manage the complexity associated with the provision of a secure, high quality, end to end service to all stakeholders in the payments valuechain. If you are a retail or service business owner, it is vital to offer your customers the opportunity to pay by credit or debit card. IPAYTOTAL can help make the card acceptance process as easy aspossible. With our all-inclusive card processing solutions, we can help you attract more business and improve customerservice. With IPAYTOTAL, you’ll have the ability to accept major card brands at the Point of Sale or as an e-merchant via a business website. IPAYTOTAL Services Packages are concise, professional service-led engagements that help form the business case for change. IPAYTOTAL’s Payments and Transactions engagement responds directly to the key challenges faced by our customers involved in the paymentsindustry.

3. WHAT ARETHE CHALLENGES? • The payments environment is undergoing substantial change at present. There are a number of key drivers for this change which present challenges to those involved in the payments processing value chain. • These driversinclude: • Technology change – the evolution of core technologies is seeing a drive towards ubiquitous IP‑enablement • The Introduction of new legislation in Europe (e.g. Single European Payment Area) is driving the creation of a more joined up infrastructure and consolidation of payment service providers across multiplecountries

4. Convergence of devices - smartcards and mobile devices (e.g. phones,PDAs) • Fragmented marketplace with many suppliers • Emergence of ‘low value payments’ - presenting a variance on traditional paymentprocesses • Linking of payment processing to ticketing, loyalty and mobile topups • Large numbers of mobile phone users in developing countries seen as potential customers for new and emerging payment offerings • Proliferation in the number and types of connections between a point of sale and a host datacentre • Increase in transaction types and volumes resulting in inevitable increases in costs to manage and resolve issues in the valuechain • Growing concerns at levels ofsecurity.

5. IPAYTOTAL PROFESSIONAL SERVICES PACKAGE FOR CBDMERCHANT If you are a CBD retailer or CBD Merchant, it is vital to offer your customers the opportunity to pay by credit or debit card. IPAYTOTAL can help make the card acceptance process as easy aspossible. Withourall-inclusivecardprocessing solutions,wecanhelpyouattractmore business and improve customer service. WithIPAYTOTAL,you’llhavetheability toacceptmajorcardbrandsatthePointof Saleorasane-merchantviaabusiness website.

6. SOLUTIONS FOR CBD MERCHANT PROCESSING iPayTotal is a CBD payment processor that provides CBD merchants with premium high- risk merchant services. We utilize a variety of processing techniques to ensure that CBD merchant processing is a smooth and simple process for our high-risk CBD Merchant Account. AsaCBDpaymentprocessor,iPayTotalworkshandinhandwith CBD merchants to protecttheir businesses from account closures,fraud,andchargebacks.Weofferaward-winningfraud and chargeback protection and have strong relationships with over 40 banks who work with high-risk merchants both in the UnitedStatesandoffshore.

7. SOME OF THE FEATURES OF YOUR CBD MERCHANT ACCOUNTINCLUDE: • Multi-bank processing (including off- shore) • Secure payment gateway • Chargeback alerts • Chargebackdisputes • BitcoinProcessing • Fraud prevention andprotection • Competitive processing rates (below 6%) • IPAYTOTAL helps businesses maximize their online selling power with secure credit card and debit card processing. We offer processing for – Visa, MasterCard, American Express, Discover, Diners Club andJCB.

8. ECHECK PROCESSING FOR CBD/HEMPOILS While debit/credit cards are some of the most well-known ways to pay electronically, businesses can accept one-time or recurring Automated Clearing House (ACH) Network payments directly from their customer’s bank accounts, at a lower transaction fee than debit cards and credit cards. Businesses can even convert the paper checks they accept at the point of sale to electronic checks (E-checks), ensuring that funds are deposited quicker and in a more securemanner. The managed payment gateway service enables merchants to securely and reliably authorize and settle card transactions. It offers leading edge capabilities for securing sensitive card data that can assist merchants with meeting their PCI DSSrequirements.

9. IPAYTOTAL successfully processes millions of transactions a week for CBD merchants. To find out more about our customizable global payment solutions for high-risk merchants – including active account monitoring for fraud, chargeback management and real-time reporting – please visitwww.ipaytotal.com FIGURE1. According to Wikipedia,an annual report is a comprehensive report on a company's activities throughout the preceding year.