Intabill.com - High Risk Merchant Accounts and Services

Developing the world's leading on-line fraud prevention technology has driven Australian-based e-commerce platform provider, intabill, to become one of the world's top ten on-line payment processors.

The company has experienced significant growth over the past 18 months, recently reaching the milestone of processing more than one million payment transactions per month globally.

intabill provides a secure gateway to enable web-based businesses to receive payments on-line from customers.

The intabill software platform is one of the world's most secure e-commerce processing programs, combining military-standard software with expert fraud analysts to ensure the integrity of on-line payment transactions.

The company's fraud analysts bring years of experience from previous roles in police and fraud investigation roles.

intabill's founder and Director, Daniel Tzvetkoff, said the company is becoming globally recognised as the leading fraud prevention technology for e-commerce transactions.

"Our goal is to make the internet a safer environment in which to conduct e-commerce for business and consumers alike," Mr Tzvetkoff said.

"We act as the middle-man between a website and a bank in processing an on-line payment transaction and ensure its integrity.

"We combine state-of-the-art technology with security experts to detect and prevent fraudulent transactions in real time," he said.

Since the company was established in 2001, it has grown from servicing five clients to more than 5,000 clients in 70 countries.

"The intabill team is comprised of versatile individuals who provide solutions to meet the fast-changing needs of on-line business," Mr Tzvetkoff said.

intabill is one of the world's most secure e-commerce processing platforms, providing a safe payment pathway between consumers and web-based businesses.

The company's Head Office is based in Brisbane, Australia.

intaglobe recently formed a strategic partnership with China Banking Corporation (China Bank), the Philippines first privately-owned universal bank. This partnership is the first of many global expansion initiatives set for intaglobe, which is a division of intabill.

The partnership was formalized with the signing of the Memorandum of Agreement December 12 2007, at the China Bank Head Office penthouse.

intaglobe is an innovative service offering a fast, secure and user-intuitive online to offline remittance service allowing OFW's to remit money back home, for low cost.

According to a survey published recently by the UK Department for International Development, it is estimated that consumers lose up to 40% of the cash they send abroad with transactions generally taking up to ten days to complete.

intaglobe offers consumers low transaction fees and remittance via the Internet, so a person can conveniently use the service at anytime to remit money. "Online transactions are now safer and faster than ever before. We are happy about this partnership with Intaglobe because now, it will be even more convenient for Filipinos abroad to send money to their loved ones in the Philippines," said Ramon R. Zamora, China Bank's Senior Vice President and Head of Centralized Operations Group.

Filipinos abroad can send funds through the intaglobe website, www.intaglobe.com. The service is quick and easy to use with many convenient delivery and payment options.

Delivery options include:

• Direct to a China Bank account or to an account maintained with another bank
• Direct bill payment to Filipino service providers
• Cash payout at any of China Bank's 158 branches or at China Bank's almost 1,000 authorized remittance outlets in the Philippines
• Door-to-door delivery

OFW's can choose from a myriad of convenient payment options including:

• Direct debit from bank account
• Cash payment at retail locations
• Credit card

"We are excited to have forged this partnership with China Bank. We look forward to providing OFWs the very best of remittance services." said a member of Intaglobe's Management team. A Managing partner at intaglobe spoke about the intaglobe strengths, "Intaglobe technologies will revolutionize how online remittance functions today. Lowering costs, increasing security backed with 24/7 customer support, Intaglobe will bring a new level of service and direct control for OFWs sending money home."

intaglobe is China Bank's fifth remittance partner in North America, and its second partner offering web-based remittance services. Through China Bank's international remittance partners, China Bank On-time remittance is available in over 4,000 locations worldwide. "There are millions of Filipino immigrants and OFWs around the world and we want to make sure that China Bank can effectively service their remittance requirements by having more partner institutions," said Jose Q. Cifra, China Bank's Assistant Vice President and Head of the Remittance Division.

Having integrated with numerous worldwide Banks in various geographical locations intaglobe's online global remittance solution is supported by multiple currency and language offerings. Cutting-edge security and fraud protection measures combined with a 24-hour state of the art Call Center ensure intaglobe offers a superior online global remittance solution.

intabill is an integrated payment solutions provider that services companies based in more than 50 countries worldwide. We have a very diverse range of clients, who use our services to not only process payments from customers, but also support these transacting customers by phone. On thousands of websites in the USA, Europe and Australia, you will find a payment support number that links into our unique call centre based in Brisbane, Australia.

With state of the art military standard communication technology and security systems, a super flat management structure, and almost no traditional KPI's, this is far from an ordinary call centre. intabill is not a conventional company, and we don't intend to become one. In 2003 when intabill first started providing merchant services, the call centre operation was outsourced to call centres in Los Angeles and Costa Rica. Due to concerns over the quality of call support, in June 2007 the call centre operation was moved in-house to new offices being established in Milton. The aim was to create a world class 24/7 call centre that would provide a superior level of friendly phone support to merchants and their customers, through motivated professionals and the latest technology.

Now in operation for just over 3 months, our call centre is actually run in essence by the call operators themselves, with little emphasis placed on conventional call centre metrics. In many call centres the focus is on metrics, and we do not deny there is a place for these. However at intabill, we believe that the focus should initially be on people, the teams, and what they collectively think will deliver the best results. Managers of the business are not seen as the rule setters and enforcers, but more as facilitators and mentors. Call centre management merely facilitate the interaction and communication by staff towards a positive team unit, who as a unit mould the way customer service levels are provided and improved upon. Staffs are empowered to have open conversations to their peers across the business, ensuring maximum efficiency business wide. Our call centre team regularly meets and interacts with other departments/teams within the business, to ensure seamless cross functional support and communication.

In fact many departments of intabill are regularly interacting with clients by phone. Services delivered with a strong phone element include:

• Online real-time customer interactions and inbound support by the "A-Team"
• Online fraud investigations and security by our "Guardians Team"
• International collections by our "Roundup Team"
• Retention, loyalty programs and VIP account management by our "Concierge Team"

When planning the setup of our call centre, we not only focused on the needs of our customers, but more importantly on the employees that would interact with them. Our hiring process focuses a lot on the mindset and behaviours we desire from future employees, which has led to us hiring passionate people from diverse backgrounds. We have nurtured a unique and open minded culture that encourages individual ideas, actioned through team effort. intabill provides a positive work environment, where highly talented professionals share our vision and have a great time doing it. Team members at intabill are encouraged to constantly question and challenge the way we do things, looking for ways that will not only make our customers happier, but also foster a happier work environment at the same time. The result to date is that we are forging cohesive teams, which strive on challenges and deliver the highest level of client service.

To ensure our staffs are fully motivated by their physical work environment, and gain a competitive edge through the latest technology, intabill is in the process of constructing one of the most advanced call centre set ups in Australia.

State of the art facilities already in place or under construction include:

• Large staff "chill out" room furnished with large LCD television screens, Foxtel, games machines, heavily subsidised snack and drink facilities, plus a sun deck overlooking the Brisbane River
• Modern interior designed offices incorporating multi textured surfaces, ergonomic furniture and a relaxed open plan layout
• The latest generation Toshiba Strata telephone system utilising cutting edge digital technology installed on converged platforms with fixed and virtual networks
• Military standard recording system, as used by US government departments such as the FBI, which is capable of storing up to 75,000 hours of voice recording

The recording system is about to be installed and can be quickly searched for any specific keyword. This will be of particular value to our security investigations team, but will also be used to ensure call quality levels are monitored and constantly improved upon. If for example we needed to look back on an issue, we could type related keywords such as "cancel contract", and the system will quickly build a report showing the frequency, dates and times of all calls containing these keywords. We could then select and listen to any conversation that has taken place through our call centre.

This recording system is just one technology tool, which will help intabill gain advantage in a competitive global market. We know however from our experience with outsourced call centres, it is the people within your call centre that will make the key difference. Innovation, smart business practices, and most of all our people, are helping intabill become a world leading e-commerce Company.