All PinPay merchants receive immediate good funds from each transaction, with no hold backs and no
charge backs.  They are provided an online management account which provides the merchant with all
accounting information and options to move money and perform many management activities.

PinPay is by many standards the most advanced and modern, secure PIN-based electronic funds transfer
(EFT) service in the world.  Merchant sign-up and participation in
PinPay is simple and does not interfere
with any of the merchant’s existing payment services.  

Advanced Security Technology

PinPay offers the only high security PIN-based online payment and money transfer service in the world with
Triad Tunnel Secure (TTS) service.  TTS uses proprietary advanced high tech rapid re-keying and data
scrambling algorithms to assure the highest protection of critical data and PIN codes to secure critical data
communications and EFT activities.

Terrorist Anti-Funding and Criminal Anti-Money Laundering Compliance

PinPay and the SoftCard are fully compliant with all anti-money laundering and anti-terrorist funding laws
and regulations over a worldwide service area, utilizing compliance control lists issued by some of the leading
terrorist prevention countries (U.S., U.K. and Australia).  
PinPay blocks usage and money transfer by
controlled list parties and to restricted countries.  
PinPay is strictly compliant with the U.S. Bank Secrecy Act
and the Patriot Act, which assures suspicious activities are also monitored and reported to regulatory
authorities.  
PinPay is U.S. Treasury registered and licensed as a money transfer service.

Compliance with Online Gambling Payment and Money Transfer Controls

Additionally, PinPay is fully compliant with U.S. on-line gambling laws and regulations.  Advanced technology
is used to prevent the use of
PinPay services in the transfer of funds to blocked gambling merchants and the
compliance with gambling money transfer laws issued by any country, while allowing legal gambling
transactions to be processed.

Operational Compatibility

PinPay is designed to operate with all existing payment and money transfer systems including those currently
used by merchants, governments, banks and all others.  
PinPay will develop special software to address any
customer’s or processor’s unique message or data transfer formats.  The only requirement to the services
offered by
PinPay is an Internet connection.

Service Pricing and Savings

PinPay services are priced to provide the PinPay merchants and SoftCard holders with great value.  This
great value is complemented with EFT security using TTS service, with ultra high security PIN-based
customer payment and money transfer controls, plus real-time clearing and settlement, immediate good
funds, no payment reversals, no hold-backs, no charge-backs and easy installation.
Introduction

The following is a topical introduction to PinPay and the SoftCard.  For
additional reference materials see the white papers and the frequently
asked questions (FAQ's) presented for merchants and agents at
www.pinpay.net.  Additional information is available on the SoftCard at
www.softcard.biz.

PinPay and the SoftCard

PinPay is a PIN secure payment system that allows Internet-based
businesses to accept secure PIN debit card payments and transactions
at their online store using the
SoftCard.  It also allows in-store clerks to
assist customers with bill payments, card-to-card transfers, card loads
and other
SoftCard services. The system provides the merchant with
instant good funds, no charge-backs, no hold-backs and low payment
processing service fees.

The
PinPay SoftCard is authorized for use at all PinPay merchants.  
The
SoftCard is a free prepaid PIN debit card which is available to
nearly everyone - No bank account is required and there is no age,
credit, or other limitations.  The card is instantly issued with a secure PIN
code, either online or at participating
PinPay merchants.  The card is
loadable from other
SoftCards, employers, PinPay participating
merchants, banks, debit cards, and other sources.

PinPay, with the SoftCard, allows the card-holder to transfer money
from one card-holder to another, securely, at low costs, with instant
delivery of the money to the receiving card-holder anywhere in the world
with full viewable records of all transactions and account information.
PinPay and SoftCard Executive Summary
by
Dr. Glenn Gearhart, CEO, PinPay
PinPay.org: Agent - ISO (International Sales Organization) Marketing and Sales Website for PinPay.net!
PinPay, debit card, credit card, EFT, No Identity Theft, E-Cash, E-Money, No Fraud, No Charge-Backs, No Hold-Backs, MasterCard,
Visa, Discover, American Express, make money, residual income, passive income, business opportunity, money transfer, pin debit
PinPay.org  ~  PinPay Agent - Independent Sales Organization (ISO)
Tel: 850-215-1749  ~  
www.PinPay.org  ~  info@pinpay.org