UnionPay(TM) Newest Online Payment Solution for Discover(R) Merchants

UnionPay(TM) Newest Online Payment Solution for Discover(R) Merchants

The Flip of a Switch Turns e-Commerce on for Billions of Chinese Shoppers

China UnionPay, the leading bankcard association in the world, with over 3.2
billion issued cards, will now give Chinese shoppers with UnionPay cards an
option to make online purchases at the websites of participating Discover^®
Merchants while leveraging CardinalCommerce^®'s technology neutral platform
for a simple integration.

CardinalCommerce Corporation

China UnionPay + Discover Logos

The UnionPay Online Payments (UPOP) service is UnionPay's e-Commerce solution
and was developed in response to the needs of issuers to offer UnionPay
cardholders a safe and secure way to make purchases online around the world
and in the U.S. Chinese are the largest group of international students in the
U.S. with an increase of over 20% in 2011.

UPOP will be available to Discover's merchants, early in 2013, using the
Centinel^® Universal Merchant Platform through Cardinal. For a Discover
merchant already using Centinel, it is as simple as placing the UPOP payment
button on their checkout page to support a new payment option that enables
consumers to pay using their UnionPay cards. For these merchants, no
implementation required and no changes are necessary to existing settlement
and reporting from Discover. It is a turnkey solution that makes it easy for
merchants to be accessible to the 3.2 billion payment cards in the hands of
Chinese shoppers.

"UnionPay's close relationship with Discover and Cardinal will provide a
secure payment solution for UnionPay cardholders at U.S. on-line merchants,"
said Larry Wang, Vice President, International Division China UnionPay.
"UnionPay fully expects that cardholders in China, as well as UnionPay
cardholders currently in the United States, will take advantage of this
expanded shopping opportunity."

"With the UnionPay new secure online payment solution, UPOP, participating
Discover merchants can enjoy secure UnionPay online payments, ease of
implementation, and consolidated settlement and reporting," says Joseph
Hurley, Vice President, Global Business Development at Discover. "This is a
natural evolution of our strategic alliance with UnionPay that's been in place
since 2005, and something we are happy to support."

"We're excited to add UPOP as a payment option in Centinel across the Discover
Network of retail merchants," said Janet Kapostasy, Vice President, Financial
Institution Services, CardinalCommerce Corporation. "Our technology neutral
platform lets Discover offer a seamless payment solution to their merchants
while reaching billions of new customers, safely and securely."

About China UnionPay

As a global bankcard network, China UnionPay, headquartered in China operates
the national inter-bank clearing and settlement system, develops the worldwide
UnionPay Card acceptance network, promotes the issuance and usage of the
UnionPay Card as well as other innovative payment solutions, so as to provide
quality, efficient and safe payment services to cardholders. To date, the
total number of the UnionPay Card issued both at home and abroad has been 3.2
billion. The UnionPay network has been extended to all the cities and rural
areas in China. In addition, China UnionPay has enabled the UnionPay Card
acceptance over 130 countries and regions through extensive cooperation with
about 400 financial institutions around the world. Additional information may
be found at: www.unionpay.com.

About Discover

Discover Financial Services (NYSE:DFS) is a direct banking and payment
services company with one of the most recognized brands in U.S. financial
services. Since its inception in 1986, the company has become one of the
largest card issuers in the United States. The company operates the Discover
card, America's cash rewards pioneer, and offers home loans, private student
loans, personal loans, online savings accounts, certificates of deposit and
money market accounts through its direct banking business. Its payment
businesses consist of Discover Network, with millions of merchant and cash
access locations; PULSE, one of the nation's leading ATM/debit networks; and
Diners Club International, a global payments network with acceptance in more
than 185 countries and territories. For more information, visit

About CardinalCommerce

CardinalCommerce has been a pioneer in the remote payments industry since 1999
and is a branded global leader in enabling authenticated payment transactions
in the electronic commerce and remote commerce markets.

Cardinal's SaaS software platforms for merchants, banks, processors and
transaction supply chain providers create friction-free interoperability among
otherwise disparate and incompatible operating systems. Cardinal's platforms
enable technology-neutral authentication across a wide range of applications.
The Company's proprietary, patented solutions easily facilitate the addition
of new technology for remote distribution channels through a single
connection. This allows merchants to securely accept payments from the entire
financial transaction ecosystem.

The universe of payments spans from traditional credit and debit card brands
like MasterCard and Visa, to established and emerging alternative payment
brands like PayPal, Green Dot, and Alipay. In accommodating this growing
number of payment brands and methods, and these technology and authentication
approaches within legacy infrastructure, Cardinal's platforms serve as
universal switches, supporting virtually all merchant platforms, wallets,
processing systems and authentication methodologies.

CardinalCommerce is headquartered in Cleveland, Ohio and services a worldwide
Customer base from facilities in the United States, Europe and Africa. For
more information, visit www.cardinalcommerce.com.

CONTACT: Media Contacts
         Laura Gingiss, 224-405-0185

         Janet Kapostasy, 800-352-8444 x 137
         Joe Venuti, 201-577-5477

CardinalCommerce Corporation
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