Cosmo Payment Quick-Start Guide

Step 1: PrepaidGate Access

Please log in to your user account at https://global.prepaidgate.com . Your user name is in the
Merchant Setup document, your password was sent via SMS. Additionally, a Unique ID was sent
via SMS, upon login you will receive a 6-digit code, you must add the Unique ID to the end to
login.

Step 2: Deposit Notification

After sending a wire, you will need to login to the Prepaid Gate, and create what is called a
“Deposit Notification”. Please see the attached document “Deposit Notification instructions” to
walk you through this process. This step is crucial after sending each wire in order to have it
credited to your account.

If you are planning to have funds transferred from your businesses account to another business
account on our system from your same wire once credited, please advise and we will instruct
you accordingly on this process.

Step 3: Making Payments (Loading)

We offer you three methods for making payments; manually in the Prepaid Gate, or by Batch
File, or API. Any which way you prefer to make the payments of loading cards, we offer you the
ability to incur the cost of the load fee, or have the fee charged to the cardholder balance
directly. See below breakdown of methods:

1. Manually via the Prepaid Gate

If you wish to load a card manually on the Prepaid Gate, please login, and go to the tab “Pay
Any card” (Under Card Management section). Once you click here, you will need to enter the
SAN (CP User Account number) or full Card Number of the card you wish to pay, and click
Submit.

You will then be able to click on the “Manage” icon on the far right to open up the cardholders
account, and load the card.

Loading options:

1. “Load Card” button - This will load the card and charge your merchant ABL with the load
fee
2. “Load: Fee to CH” button - This will load the card and charge the load fee directly to the
cardholder balance
 2. Batch file

If you would like to facilitate mass payments, rather than loading cards one at a time, you can
use a batch-file. This will allow you to list all the SANs (provided to you by each payee) you need
to load in one Excel file, along with the amount to load on each card. Once the file is ready, you
can upload it directly to the Prepaid Gate, in the “Upload Batch File” tab. Simply select the
correct currency you are choosing to load for, and upload the file. For details on how the file
should be built, and in which format it needs to be saved, please see attached the “Prepaid
Card Batch File Creation Guide”.

We have two separate files, one to charge the load fees to the user, and one that will charge
the load fee to your ABL account, see below templates:

1. Batch File Template LOAD - To charge the load fee to your merchant ABL account
2. Batch File Template Load (Fee2CH) - To charge the load fee directly to the cardholders
balance

Once a file is uploaded, you can go to the “Batch File List” tab to view the status of the file, and
ensure all was loaded and actioned properly.

In addition, we suggest sending us your first batch file before uploading to ensure all was done
correctly, and that we do not encounter any system errors.

3. API

The API will enable automated payments to user's card accounts. If you have already selected
for an API Integration, your live account credentials will be available for you in the “Merchant
Account Setup Details” and the password will be sent by SMS to the admin contact mobile
device registered.

Step 4: ABL Report

Once funds are credited to your master account, you will be notified by email, and you can
begin making payments. To view your account balance, please go to the “ABL Report” tab.
Here, you will be able to view your account balance and view & export all the monetary
transaction activity done within your account, on a daily basis. By clicking on a specific day in
the list, it will open a detailed window breaking down the transactions from that day, which can
also be exported if needed.