1.

Enter your customer's credit card information using ProPay's website or a touch-tone phone.

To process a credit card, you will need to collect your customers:

• Credit Card Number
• Card Expiration Date
• Zip Code
• Transaction Amount

Once you enter this information, ProPay will give you an immediate authorization or decline so you know if the payment is valid.

2.

Funds are deposited into your ProPay Account.

Within 1-3 business days (depending on your account type), the transaction funds will be available in your ProPay Account. Login to your ProPay Account to see your account balance and line item reports.

3.

Spend your money or transfer it to a U.S. checking account.

With the ProPay Prepaid MasterCard^® Card (included with the Premium and higher level ProPay Accounts), you can spend your ProPay funds anywhere MasterCard Debit Cards are accepted, and at over 900,000 ATMs worldwide.

Or, you may transfer your ProPay funds to a U.S. based checking account.