Euronet Software Solutions Recharge Solution

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1 Serving millions of people worldwide with electronic payment convenience. Recharge Solution Deliver the Ultimate Convenience of Top-Up to Your Customers Today

2 Recharge Solution GLOBAL PROVIDER FOR ALL OF YOUR PAYMENT PROCESSING NEEDS, a division of Euronet Worldwide, is recognized as a leading provider of software that powers electronic payment and transaction delivery systems around the world. Our solutions have reliably served the worldwide cards, payments and financial services markets for more than 35 years. Ensuring quick time-to-market and delivering a quality experience, we enable our clients to provide secure electronic payment convenience to millions of people around the world. Whether your organization is a bank or a provider of processing services to financial services organizations, our proven solutions will support your critical business needs now and in the future. We provide a fully integrated suite of solutions for issuing, acquiring, self-service, e-banking and card scheme connections. Utilizing our services-oriented payments hub architecture, our software offerings are designed to increase your revenue, reduce your expenses, improve your security and increase the value of your customer relationships. Complementing over 30 corporate locations worldwide, is headquartered in Little Rock, Arkansas, with offices in Egypt, Greece, Hungary, Miami, New Zealand, Orlando, Portugal, Sri Lanka and the United Kingdom Chenal Parkway, Suite 200 Little Rock, Arkansas

3 Recharge Solution DELIVER INNOVATIVE, IMMEDIATE AND CONVENIENT TOP-UP SERVICES In today s fast-paced world with tremendous technological advances and rapid adoption rates, consumers expect convenient, fast and easy ways to recharge or top-up their prepaid services and content such as mobile phone and long-distance airtime; credits for online gaming, downloads and communities; utilities and much more. Historically, the majority of prepaid services for mobile phone and long-distance airtime has been distributed and sold via plastic or paper scratch cards. These methods of delivery are dated, costly and less convenient than modern alternatives. While scratch cards are still available, more efficient options such as vouchers and online processing have emerged to meet the everincreasing needs of consumers. With Recharge Solution, financial institutions and processors can offer their customers the ultimate convenience of innovative and immediate prepaid top-up. In addition, by using electronic payment alternatives, your organization helps the prepaid service industry move away from old delivery methods, and creates a competitive advantage with new technology that is quick and easy for consumers.

4 Recharge Solution AN EXPANDABLE SOLUTION THAT MEETS YOUR NEEDS NOW AND IN THE FUTURE Our Recharge Solution is a comprehensive prepaid service and digital content purchase/distribution software solution that enables financial services organizations to offer top-up services to their customers through a variety of touch points including a retailer s point-of-sale (POS) terminal, an ATM, the Internet and the mobile phone. With our solution, your customers can top-up on a variety of prepaid services and digital content including mobile phone service, long-distance airtime, electricity, music, games, software and more. Just about any good or service that can be quantified can be sold electronically with Recharge Solution. In addition to offering a new service that increases customer satisfaction and loyalty, our Recharge Solution enables you to take advantage of growing business opportunities as they are presented in the marketplace. This will create new streams of revenue for your organization as the market evolves. Prepaid services and content continue to be huge growth opportunities in the industry with consumer demand for an expanding range of products including movies, map navigation, software licenses, electronic coupons and on-demand film and TV. As mobile media, ecommerce and the ability to pay for more services in advance continue to grow along with a new generation of subscribers prepaid services and content providers will continue to seek ways to accelerate service creation and usage volumes. This means you and your customers benefit as prepaid service applications and top-up solutions continue to evolve. Organizations around the world that provide options for cash-based, prepaid service solutions will be more profitable, more competitive and better positioned to capture market share if they offer a strong prepaid top-up service solution. can help you create and implement a solid strategy that is flexible and expandable; allowing you to grow with the everincreasing demands of your customers, your business and the industry. Benefits for Financial Services Organizations: Offer a new service that will grow with business and customer needs Create new revenue streams by offering convenient option to top-up prepaid services Provide unique value added-services Increase customer loyalty and create more branding awareness Create new marketing channels in an evolving market Enable personalized marketing initiatives Expand your reach beyond the traditional bank customer to include the unbanked population Competitive and innovative offer allowing you to take advantage of the growing prepaid market Benefits for Mobile Operators and Other Prepaid Service/Content Providers: Saves money by manufacturing fewer scratch cards Saves money by lowering the cost to distribute scratch cards Decrease the cost of sale by using electronic distribution Provide a secure way to distribute/maintain prepaid inventory Decrease losses caused by fraud Guarantee constant supply of all Recharge denominations Increase customer frequency of airtime purchases Decrease customer churn by offering subscribers the ability to Recharge any time, any place Benefits for Customers: Recharge prepaid airtime via multiple touch points Choose the most convenient Recharge touch point Gain independence, control and freedom via immediate access to service Quick and easy access that is always available whenever needed

5 Recharge Solution SECURE TRANSACTIONS AND A COST-EFFECTIVE ARCHITECTURE Our Recharge Solution enables secure transactions and uses existing infrastructure for a variety of touch points including POS terminals, ATMs, mobile phones and the Internet. With a single system, all touch points can merge to one system, providing either direct connection to mobile operators or voucher-based solutions. Allowing for rapid implementation of recharge and other solutions directly into our Integrated Transaction Management (ITM) single core payment processing engine, our software runs on a robust and cost-effective payments hub architecture. While ITM ensures absolute consistency and control across multiple customer touch points, our payments hub architecture creates an environment that blends your technology and business processes resulting in reduced risks and simplified systems. By utilizing service-oriented architecture and Web Services channels with reusable service layers and components, our solutions allow you to benefit from streamlined processing, easier access to information and easy connection to third-party vendors. Features of Recharge Solution Supports mobile phone handset, ATM, POS and Web initiation points Ability to sell prepaid vouchers Can be deployed in either a bank or network switch environment Cash purchases supported by POS touch point Comprehensive reporting and electronic reconciliation file generation Prepaid mobile airtime and top-up sale Powerful, flexible fee generation With Recharge Solution, your customers have the ability to top-up at their convenience with freedom and control at their fingertips practically at any time and from any place. Our prepaid top-up solution allows your customers to add mobile airtime minutes to their prepaid phone, buy prepaid long-distance airtime for family and friends overseas, purchase prepaid services via the Internet and a host of other prepaid services.

6 Recharge Solution VARIETY OF TOUCH POINTS FOR YOUR CUSTOMERS With access to a wide variety of Recharge touch points, your customers gain greater flexibility and convenience. Customers can initiate a top-up transaction at an ATM, at a merchant s POS terminal by using card or cash, via the Internet using Euronet Internet Banking or with a text message from their mobile phone handset. Recharge Solution Recharge Touch Point Options For Your Customers Prepaid Service and Content Providers INTERFACE TO MULTIPLE VENDORS SIMULTANEOUSLY Recharge Solution supports providing top-up services with multiple mobile operators and other prepaid service/content providers simultaneously, ensuring maximum coverage of your market. To maximize flexibility, two models are supported: Online Recharge an online process where the customer s bank account is debited and their service account at the prepaid provider is credited simultaneously. Voucher Recharge a file exchange-based system of selling prepaid vouchers. Voucher Recharge Consumer Purchase Process 1. Consumer Initiates Transaction at Touch Point 2. Recharge System Receives Transaction 3. Debit Cardholder Account at Issuer 27/03/2011 Financial Services Organization 4. Retrieve Voucher for Selected Amount from Voucher Database 5. Mark Voucher as Purchased 6. Print Receipt with Voucher Number, Serial Number and Expiration Date G GET STARTED TODAY! To formulate an electronic top-up strategy and implement a flexible solution that will meet the needs of your customers and your business now and in the future, contact today. We are here to help you provide quality products and services that address your customers expectations now and position your organization as a leader in the market.

7 Recharge Solution CHOOSE EURONET AS YOUR TRUSTED PARTNER Through combined expertise in terminal driving, transaction switching, processing and software development, delivers more types of integrated transaction and payment solutions than ever before. Our team of experienced professionals, suite of integrated products and dedication to excellence in customer service enable us to meet your electronic financial payment needs and help you achieve more success and profitability. With Euronet, you benefit from more than 35 years of diverse payments experience and gain a focused partnership with an industry leading, financially sound, global organization. Make the smart choice by choosing Euronet an organization uniquely positioned to meet your diverse needs any time, any place. Card Issuing Solutions ATM Card Issuing Credit Card Issuing Debit Card Issuing Prepaid Card Issuing Contactless Card Support Chip Card (EMV) Support Card Association Payment Solutions International EFT Network Interface American Express Discover MasterCard China UnionPay JCB Visa Regional EFT Network Interface Proprietary EFT Network Interface EURONET S PAYMENT SOFTWARE SOLUTIONS Self-Service Solutions ATM Device Driving POS Device Driving ebanking Solutions Telephone Banking Internet Banking Mobile Banking Value-Add Offerings Dynamic Currency Conversion Customer Relationship Mgmt Bill Payment Alerts and Notifications Recharge Remittance / Money Transfer Payout Back-Office Processing Solutions Credit Card Management Merchant Acquiring Shared-Network Processor Professional Services Project Consulting Project Management Solution Delivery Training Customer Support CONTACT US For more information about our Electronic Recharge Solution, or other solutions for ebanking, Card Issuing, Self-Service and Card Associations, contact your account representative or us at sales@eeft.com.

8 Copyright 2011 Euronet Worldwide, Inc. All rights reserved. Any and all product names, company names, logos and trade names used in this publication are assumed to be the legal property of their respective companies. August 2011