Press Release

AssureBuy, Inc. and Retail Decisions Team to Provide Merchants Outsourced, Online Processing of Electronic Payments

HAZLET, NJ (October 22, 2002) - Retail Decisions, an international supplier of payment card, ebusiness and fraud prevention services, today announced that it has partnered with AssureBuy, Inc., one of the first and most experienced online payment processing service providers, to offer Retail Decisions’ industry-leading LiveProcessor^TM electronic payment software as an outsourced service. As an established Application Service Provider (ASP), AssureBuy will offer LiveProcessor as a real-time, online payment processing solution for its Internet merchants.

AssureBuy currently serves customers ranging from the Fortune 500 to small retailers, educational institutions, municipalities and associations. Its clients currently process nearly $1 billion in eCommerce transactions annually.

“We are very eager to be able to add Retail Decisions’ proven payment processing solution to our suite of fully outsourced services,” said Rick Johnson, CEO of AssureBuy. “With LiveProcessor, we are able to continue to provide our clients with best-in-class, real-time electronic payment services, while at the same time helping to reduce their up-front investments and operating costs.”

. “With over 100 installations of LiveProcessor in the U.S., and a growing base of high-profile customers completing, on average, 13 million card-not-present transactions each month, Retail Decisions offers the premier processing engine for live credit card and check transactions,” said Carl Clump, CEO of Retail Decisions. Out partnership with AssureBuy opens up an entirely new channel for our payment processing products and allows AssureBuy’s retailing customers to focus on their core competencies.”

AssureBuy will integrate the LiveProcessor payment processing software within its existing ASP platform. The service is an ideal alternative for merchants that do not currently have the transaction volumes to warrant a direct LiveProcessor installation, or that do not want to manage and operate the software in-house.

Retail Decisions’ LiveProcessor combines online, call center, retail and IVR transactions into a single system, and integrates real-time authorization, batch processing and settlement functionality with existing order processing, subscription and electronic commerce systems. 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, foreign currency settlement support and multiple bank interfaces in a single product. Clients of the company include Buy.com, Hotwire, Netflix, Nextel Communications, RealNetworks, Research In Motion, ShopNBC, Tupperware and Unicity.

About AssureBuy, Inc.
AssureBuy provides complete eCommerce transaction solutions between the buyer and seller: a pre-integrated solution for managing web site access, payment processing (ACH and credit card), risk management and digital proof. As an Application Service Provider (ASP), AssureBuy’s fully outsourced solution allows eBusinesses to transact directly with customers, vendors and other trading partners without buying, installing or maintaining payment processing systems. The company was founded in 1994, processed its first online payment in early 1995 and currently serves customers ranging from the Fortune 500 to small retailers, educational institutions, municipalities and associations.

About Retail Decisions
Retail Decisions (ReD) is an international electronic payment transaction services business that provides fraud prevention, enterprise-class payment processing software and value-added transaction and consulting services to the finance, telecommunications, retail and e-commerce sectors. ReD is able to predict and prevent payment card fraud, process high volumes of credit card and electronic check transactions and has a platform for a full range of transaction based value-added services.

The company currently protects over 50,000 points of sale globally. In 2001, ReD processed more than 1 billion card transactions, stopping an estimated $396 million in fraudulent purchases. ReD has more than 15 years experience in credit card risk management and payment settlement services to the telecommunications industry in the US, and currently supplies its services to over 45 telecom companies.

A global company, ReD has operations in the United States, Europe, South Africa and Australia. Retail Decisions is publicly traded on the official list of the London Stock Exchange under the trading symbol, “RTD”. More information about ReD is available at www.retaildecisions.com.