EXPANd WITH CONFIDENCE PAYMENT MANAGEMENT SOLUTIONS FOR FASTER, SAFER GLOBAL GROWTH

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1 EXPANd WITH CONFIDENCE PAYMENT MANAGEMENT SOLUTIONS FOR FASTER, SAFER GLOBAL GROWTH

2 ACCELERATE YOUR GLOBAL EXPANSION JOURNEY Whether you re targeting just one additional country or many, establishing digital commerce beyond your borders depends on being able to adapt to the specific characteristics of each new market quickly, smoothly and efficiently. Local differences in payment dynamics buyer behavior, checkout considerations, treasury issues, mandates and risk mean that the way you manage payment may directly affect your market reach, sales conversion and operational efficiency. Understanding and catering to these differences can be time-consuming and expensive without the right expertise and tools. By leveraging CyberSource s global payment and fraud knowledge, experience and solutions, you can: Start selling to new countries more quickly Sell more safely in your chosen markets Achieve your expansion goals with

3 GET TO MARKET FASTER With one connection to the CyberSource payment management platform, you can establish yourself anywhere in the world, adding geographies and payment capabilities as needed, without further IT effort. READY PROCESSING CONNECTIVITY Payment acceptance in more than 190 countries; funding in more than 20 currencies Access to approximately 100 acquirers and payment processors worldwide; typically growing at a rate of more than 20 per year Support for international cards, local cards, and alternative payment methods For your business this means the ability to add local acquirers and payment types as required for each country, without the time, cost and effort of additional integrations. It s the most efficient way to meet your payment acceptance objectives in each market. CONVENIENT CHECKOUT LOCALIZATION Out-of-the-box localized checkout page templates for more than 40 countries, in 25 languages Integrated global tax calculation service Available in a broad range of languages from Spanish, French and German to Dutch, Arabic and Vietnamese our checkout templates also use responsive design to automatically adapt to the devices being used by your customers. Our tax solution helps you to meet a wide range of different sales tax requirements without managing specialized software. With a variety of flexible services such as these available through your single connection to CyberSource, you can save significant time and effort getting set up for each new country. GLOBAL FRAUD MANAGEMENT PRESENCE Managed Risk Analysts serving clients on six continents 24/7 global order review capability Because we re already monitoring transactions from more than 200 countries and territories, our local fraud management experts have access to both global and local data to inform their analyses for the countries you re targeting. With our insight, experience and resources at your disposal, you can fight fraud and process orders in any new market from day one, without a time-consuming learning curve.

4 GET TO MARKET FASTER ACCESSIBLE THROUGH ONE CONNECTION OVER GROWING AT A RATE OF PER YEAR TO CHOOSE FROM LOCALIZED COUNTRY CHECKOUT TEMPLATES IN languages

5 SELL SAFER CyberSource makes it easier for you to secure payment data, protect your business and customers from fraud, and safely trade in any country, even those perceived as high risk. SYSTEMS FOR IMPROVED FRAUD DETECTION 3D Secure payer authentication: Coverage for Verified by Visa, MasterCard SecureCode, American Express SafeKey, JCB J/Secure Flexible rules to authenticate only your riskiest transactions CyberSource Decision Manager fraud management platform: Automated risk analytics using the World s Largest Fraud Detection Radar Regional and industry risk models for greater accuracy Use of third-party data, including address verification, phone number validation, device fingerprinting, IP address decoding One of the market s most powerful fraud management solutions, CyberSource Decision Manager provides 200x the global fraud pattern visibility seen by the average top-100 merchant worldwide on its own. Our risk insights draw on data from the more than 60 billion transactions processed annually by Visa and CyberSource, helping you to detect fraud more quickly and accurately, and accept more genuine orders. In any new country, Decision Manager can help you minimize the risk and cost of fraud, and maximize revenue. KNOWLEDGE TO MAXIMIZE INSIGHT AND EFFICIENCY CyberSource Managed Risk Services: Expertise of our Managed Risk Analysts 24/7 coverage by our order review experts You can get even more value from Decision Manager with the help of our worldwide risk management experts. Our local Risk Analysts have a deep understanding of buyer behavior and fraud patterns in different countries. Our order review teams have the local knowledge to interact effectively with your customers and speak to them in their language. Whatever country you want to target, we ve got the experience, expertise and resources to help you reduce risk and optimize your fraud operations. GLOBAL PAYMENT SECURITY Secure acceptance of payment data across channels PCI DSS compliant data storage With CyberSource Secure Acceptance and Tokenization services you can secure payment transactions across channels and remove payment data from your environment, storing it in PCI DSS-compliant data centers. This lets you reduce your vulnerability to system breaches and data loss, simplify payment compliance, and ease the pressure on your IT department.

6 SELL SAFER improved fraud pattern visibility * 60 BILLION+ annual transactions feeding you risk insights ACROSS OUR years of fraud fighting experience Managed Risk Services team *Compared with what an average top-100 merchant worldwide can see on its own

7 EXPAND WITH CONFIDENCE By partnering with CyberSource you get the tools and knowledge to reduce the uncertainties and risks of entering new markets, significantly enhancing the likelihood of success. RELIABLE VISA INFRASTRUCTURE Part of Visa s highly secure and reliable network operations High levels of capacity and performance CyberSource can give you the peace of mind that comes from having your payment operations managed in line with Visa s benchmark standards of security, reliability and performance, everywhere in the world. LOCAL EXPERTISE AND SUPPORT 23 CyberSource offices in 14 countries; Visa s global presence Customer support teams across the globe Client portal offered in seven languages Established track record of global payment and fraud management You can leverage our global presence and experience for valuable insight into local payment preferences, mandates and processing specifics, as well as fraud management. You ll be better placed to maximize market reach and sales conversion, and avoid common pitfalls that may otherwise delay your expansion plans. SIMPLIFIED GLOBAL MANAGEMENT Consolidated and standardized reporting Simplified integration with financial, logistic, customer service and other back-office applications Complexity introduces risk and cost. With the CyberSource platform as your single, consistent interface for payment management, it will be much less complex for you to manage payment across multiple countries, acquirers and payment methods. You ll simplify life for your financial and IT teams, and enjoy a level of control that will help you expand with. 20+ offices worldwide offering local knowledge and experience 7 language options for CyberSource client portal 1 unified platform to simplify global payment management

8 NEXT STEPS To discuss your situation and needs, and find out more about how CyberSource solutions and services can help you expand your digital commerce operations across the world, please contact us at any one of our global locations. Global Offices Asia Pacific Singapore t (Singapore) t (Malaysia) t (Philippines-Globe) t (Philippines-PLDT) e. EUROPE, MIDDLE EAST & AFRICA Reading, United Kingdom t. +44 (0) (UK & Spain) t (France) t (Middle East & North Africa) t. +7 (495) (Russia) t (Sub-Saharan Africa) e. [email protected] Japan Tokyo, Japan t e. [email protected] Latin America & the Caribbean Miami, FL, United States t e. [email protected] NORTH AMERICA Foster City, CA, United States t t e. [email protected] One connection to our cloud-based platform enables you to safely accept payments across multiple sales channels, worldwide. Integrated payment, fraud, and security management services speed time-to-market, streamline operations, and provide a centralized view of transaction activity. Payment Processing With CyberSource, you can accept payments across mobile, web, call center, and POS sales channels, worldwide, in multiple currencies. We support one-time, recurring, and installment payments, cards and alternate payments, global tax calculation and dynamic currency conversion. Payment Security CyberSource Secure Acceptance and Tokenization services enable you to process payments and refunds without handling or storing payment data. Reporting & Analytics Preconfigured reports and reporting tools simplify payment reconciliation and fine-tune fraud management operations. cybersource.com 2014 CyberSource Corporation, a Visa company. All rights reserved.