Retail Decisions Signs Agreement with Paymentplus

Retail Decisions (ReD), a leading card-not-present (CNP) risk management and online transaction services business for e-commerce, announced a partnership with Paymentplus, a leader in global payment solutions, to integrate its risk management and fraud detection services with the premium payment processing services of Paymentplus. The combined package will be available to joint customers.

ReD and Paymentplus are joining technological efforts to provide e-tail customers with an added-value solution. The relationship will provide the Paymentplus clients with fraud screening services for their e-commerce transactions. ReD benefits with an expanded e-commerce offering and a relationship with Paymentplus' LiveProcessor which has the ability to manage high volume, mission critical payment processing that separates it from other Web-based solutions that have limited, concurrent transactions.

Paymentplus software processes an average of 10-12 million transactions per month, completing transactions valued at some $2 billion per month. More than 90 percent of these transactions are e-commerce payments. Clients include such e-commerce giants as Real Networks, AOL, Quote.com, Tupperware and Rexall.

"We searched long and hard for a fraud protection partner that would provide the best solution available in the marketplace for our clients," said Jeff Foster, vice president of Business Development for Paymentplus. "ReDs' management of the eFalcon neural network combined with a series of sophisticated processing tools, customized databases and data analysis delivers a unique and effective card-not-present fraud service that is sure to maximize our clients' bottom line."

Paymentplus' LiveProcessor will utilize ebitGuard, the fraud prevention service solution from ReDs that is specifically designed for e-commerce transactions. The product integrates ReDs' risk analysis services with proven modeling and database techniques, as well as neural risk management technology, to provide multi-level, real-time risk management decisions on card-not-present transactions.

Carl Clump, CEO of ReD commented, "Paymentplus has been the choice for direct marketers and dot.coms for more than five years and its client list speaks for itself. With our editGuard protection and Paymentplus' LiveProcessor software, the world of e-tailing will become safer and more efficient."

About Paymentplus

Paymentplus creates electronic payment processing software for the enterprise, combining online, call center, retail and IVR transactions in a central server. The company's software, LiveProcessor, can complete more than 100,000 credit card and electronic check transactions per hour on a single server. LiveProcessor is the only payment processing application in the world to support Visa CVV2 and Amex CID security codes, procurement level 2 and 3 cards, electronic check processing and foreign currency settlement and support in a single product. Paymentplus currently has more than 90 installations and is completing transactions in 40 countries and 23 currencies on a daily basis. Among the company's clients are Real Networks, Research in Motion, Nextel Communications, AT&T, Coca-Cola, NEC and Prudential Insurance.

LiveProcessor completes all of its transactions from a client-side server. More information about Paymentplus is available by visiting the company Web site at www.paymentplus.com.

About Retail Decisions

Retail Decisions (ReD) has more than fourteen years' experience in card-not-present risk management and payment settlement services primarily to the telecommunications industry in the United States, and currently supplies its services to X.com, and IPC Media and over 45 of the largest telecommunications companies.

ReD also collates and distributes the UK's most comprehensive 'Hot Card File' of lost and stolen cards, which is continually updated and is available to retailers 24 hours a day, every day of the year. The company currently protects nearly 10,000 retail sites in the UK, principally in high-payment volume sectors. Last year, ReD checked in excess of 1.0 billion transactions, stopping an estimated $190 million in fraudulent purchases. ReD also has offices in South Africa and Australia.

ReD's global e-commerce fraud detection and prevention services, editGuard, provide real time risk assessment recommendations. editGuard incorporates eFalcon, a neural technology, developed by the leading neural software organization HNC, with a number of other sophisticated editGuard processes, databases and CNP experience to provide clients with a fully integrated service solution that delivers high quality risk management results. ReD is publicly traded on the full London Stock Exchange (FTSE) under the trading symbol, "RTD". More information about ReD is available by visiting the company Web site at www.redplc.com.

Contact Carol Romeo, CBK Group, 973-925-2661 x110, carol@cbkgroup.com.