Web-based Solutions

L2G can accept all types of payments via the web. As such, L2G provides our clients with four options for web-based transactional applications. For clients with an existing web payment application, or for those who wish to develop their own application, L2G provides an Application Programming Interface (API). L2G also offers two standard web payment products, a 3-page pass-through application and a 5-page web payment application, for clients desiring a more standardized product offering. These products offer low cost, easy to deploy, web-based solutions that provide clients with the ability to present bills and enable their customers to make payments via the Internet. Lastly, clients also have the choice of a fully customized web application developed by L2G. All standard applications integrate into L2G's Visa CISP compliant Internet Payment Gateway (L2GNet) for payment processing and our comprehensive real-time, Internet-based reporting.

L2G's Application Programming Interface (API)

L2G's API offers an efficient and cost-effective solution for clients to accept payments via the web and process them through L2GNet. Clients choosing this option are provided an easy-to-follow L2G Web Payment Gateway Specifications document that details the procedures necessary to utilize our payment gateway. By following the specifications, clients or third party development firms may develop web applications in order to process payments through L2G. Clients may also choose to interface their existing web-based transactional application(s) with our payment gateway by utilizing the Gateway Specifications document. L2G will be happy to provide a copy of our Web Payment Gateway Specifications upon request.

Pass-Through Web Application (3-page)

LINK2GOV offers our Pass-Through Application (3-page) to clients who wish to present billing information on their existing website and then link the customer to our secure website for the actual entry of sensitive payment information. Clients appreciate the 3-page solution because it eliminates the need to handle, transmit, or otherwise "touch" payment information. L2G can build Payment Entry, Payment Confirmation, and Receipt pages that look and feel just like the pages on the client's existing website, enabling customers to make payments to the client conveniently and securely.

The L2G Pass-Through Application works by providing a payment site embedded in a client-hosted website.

Through a unique identifier assigned by the client, the balance of the customer's account is passed through to the payment pages designed and maintained by L2G. User-entered payment amounts are also available based upon client preference.

Web Payment Application (5-page)

LINK2GOV offers our exclusive Web Payment Application (5 page) for clients who prefer their very own payment site, accessible through a unique URL, with account validation. The payment site, while developed by L2G, remains consistent with the client's existing branding theme and is unmistakably identified with their business. LINK2GOV builds Account Validation, Bill Presentment, Payment Entry, Payment Confirmation, and Receipt pages, creating a customer-friendly, easy-to-use payment portal unique to the client's business.

The L2G Web Payment Application works by providing a web-based transactional application that is accessed from the client's original website via a unique URL. Through an end user load file that is provided by the client, L2G is able to validate user information and present proper billing details.

Custom Web Applications

LINK2GOV also develops fully tailored web-based transactional applications for our clients. These include completely customized functionality, integration with existing client information systems, specialized features on the web application (links, search engines, etc.), and a customized look and feel. Our fully customized web-based applications are available on a per hour development fee, and the price of each application is determined once a specific Scope of Work is completed and agreed upon between the client and L2G.

Options for Web-based Solutions

Recurring Payments

LINK2GOV offers convenient AutoPay and QuickPay programs through our web payment solutions to assist repeat purchase and subscription services (i.e. installment and scheduled payments). Currently, this functionality exists in our system as part of the PAY1040.com utility for the IRS, and can be configured for use by the client and its customers as well.

The AutoPay program helps consumers make monthly installment/recurring payments by charging their credit card on the month and day chosen by the consumer during initial account set-up. Each month on the specified day, the card is charged and an e-mail is sent to the customer as confirmation of completed payment. In addition, an e-mail reminder is sent to the customer five calendar days prior to their payment.

The QuickPay program reminds customers via e-mail to make their installment or recurring payments. When paying the account in question, the consumer is given the option to receive future reminders prior to their next payment due date. The e-mail reminders contain a link to the site where payment is remitted, saving the customer time and effort.

Bill Presentment

L2G offers two options for bill presentment. For low volume billers, L2G's 5-page web application offers a bill presentment basic option. L2G receives a standardized file from the client through a secure FTP site and uploads the data into our system. The billing information is then displayed online when the customer accesses his or her account. E-mail notifications do not occur with bill presentment basic.

For high volume billers (>50,000 bills per month), L2G utilizes Metavante's Biller Service Provider solution (BSP). With BSP, a presentment engine receives a client generated print stream in AFP, Metacode, PCL, ASCII, or XML through a secure FTP site. At the time the file is loaded, a filter is invoked that loads either all end user data or only data for end users enrolled in online billing. An extra charge may apply for loading all data. Once the data is loaded, the client ÒpublishesÓ the bills and a notification of a new bill is sent to enrolled users via e-mail. The BSP system also has a mass e-mail option feature from which clients can send mass e-mails targeted at cancelled or other customers.