PSP BUYER S GUIDE 2011

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INSIGHTS IN THE WORLDWIDE ONLINE PSP MARKET Authors The Paypers Ionela Barbuta, Monica Gaza, Mihaela Mihaila, Adriana Screpnic, Cosmin Turcu Release Version 1.0 October 2011 Copyright The Paypers BV All rights reserved 3

INTRODUCTION You are reading the PSP Buyer s Guide 2011, the most complete and up-to-date reference source for online PSP (Payment Services Provider) related information at global level. This guide is published once a year by The Paypers, the leading independent source of news and analyses for professionals in the payment industry. The market is constantly moving with numerous new developments in the online payments space and so are we. The PSP Buyer s Guide has rapidly captured the attention of service providers, payment professionals and web merchants who have the necessary technical and/or operational expertise to bring the industry to a new competitive level. This independent guide has been designed to function as a solid reference point for all. E-commerce has long been heralded as having the potential to act as an engine for new revenue growth. But at present, cross-border e-commerce is far from being utilized to a full extent, or at least this is what statistics so far suggest. It is universally acknowledged that online fraud is the main inhibiting factor and much of the recent discussion in online retail is indeed around fraud prevention. Solutions are constantly being proposed and these range from the development of fraud protection services to strong calls to action towards the industry to come up with more efficient e-payment services which are less sensitive to fraud, have more cross border reach and lead to more sales conversion. Web merchants have started to articulate their demands, while online consumers hold privacy dear and the lack of confidence in both the merchants and the online payment options they use are still hurdles to be overcome. In this context, where banks struggle with innovation delivery, payment service providers need to constantly re-examine the basis on which they deliver customer propositions. They do offer as many payment options as possible, but do merchants/buyers actually need all of them? After all, the merchant`s online business depends on the service and reliability they provide. Building on last year s successful first edition, this year s edition with a global focus has been expanded substantially. The first part of our overview presents some general developments in e-commerce, online payments and the persistent problem of fraud, voiced by key industry stakeholders. This section includes key facts and trends on the industry on behalf of the Merchant Risk Council, the merchant-led trade association focused on electronic commerce risk and payments globally and also insights into the European online payments space, by Wijnand Jongen, CEO of Thuiswinkel.org, advocating the European E-Payments Merchant Initiative on behalf of major cross-border European web retailers and their representative e-commerce member organizations. In the second part, various global PSPs express their thought leadership, with a particular focus on developments regarding fraudsters, risk management, maximizing conversion strategies for merchants and how the opening of the BRIC markets influence their strategy. In the third part, driven by popular demand from players who have helped shape the industry s development, the PSP Buyer s Guide 2011 now provides state-of-the-art information on over 300 online PSPs all over the world. 4

With this guide we hope to provide all parties involved in online payments processes with a clear insight into the dynamic and competitive PSP market. Finally, this document has been written with the utmost care. If you discover that, despite our efforts, it contains information that is unclear or erroneous, we would appreciate it if you would let us know. Chiel Liezenberg, Partner, Innopay Adriana Screpnic, Senior News Editor, The Paypers 5

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Nicolas Vedrenne, Managing Director, Merchant Risk Council Europe Near the turn of the millennium, as the internet was opening new markets and e-commerce was beginning its rapid growth, a group of merchants joined together to form the Merchant Risk Council (MRC) as a way to increase networking and education among merchants to better enable them to successfully fight online fraud (3.6% of total online revenues in 2000). Today, with members representing over 300 member companies across the globe, the MRC not only continues to provide a platform for education and discussion, but acts as an advocate for e-commerce merchants, providing a unified voice for improving the industry as a whole. The MRC delivers year-round programming that empowers its members with the knowledge and tools to succeed in the online payment, security, and risk industries of today, as well as tomorrow. Nicolas Vedrenne developed his career in France, UK, Latin America and Spain with Société Générale, Sema Group and Monext, specializing in payment systems, fraud prevention, risk management and credit bureaux. In 1999, he took the responsibility of several Experian businesses as President Hispano America and CEO Spain. A passionate advocate of cross cultural understanding, and after a 2 years round the world trip, Nicolas Vedrenne was involved in the selection process of Madrid as a candidate city for the 2016 Olympic Games. He co-wrote a book on change and business transformation and he is a cofounder of 1x1microcredit.org, an NGO project specializing in microcredit. The MRC is the world s foremost global, non-profit, merchant-led trade association focused on managing payments, preventing online fraud and promoting secure e-commerce. The current state of online retailing is booming. Retailers are entering new countries where growth in online retailing is a bright spot in sluggish national economies. Cross Atlantic e-commerce as well as roll-out into the BRIC countries are now key components of our members e-payment strategies. Large players are jumping into crossborder operations but often meet new challenges that require a full re-thinking of their payment operations. It is not unusual to see a multinational with a British website, a Dutch logistics center, an American PSP, a Romanian fraud prevention team and a call center in the Philippines selling to a Russian customer. As a result, although fraud is down in percentage to 0.9% of online revenues, 54% of our members report an increase in fraud pressure and 21% are observing more complex fraud schemes this year. PSPs can help merchants reduce costs and generate more revenue by listening more to the merchant community, a positive trend observed in recent years. The sector has moved from a rigid product offering to customizable solutions, mainly because of a better understanding of the payment landscape by merchants. Traditional card brands are also improving their willingness to talk directly with merchants and a better collaboration with PSPs has been critical for new product development. In particular, the MRC takes note and encourages acquirers to enhance the amount of data and analysis available when it comes to chargeback management. New niche players are also emerging with highly efficient technologies. Device fingerprint analysis is a good example, 32% of new merchants are planning to adopt this technology in 2011. 7

Traditional card brands are also improving their willingness to talk directly with merchants and a better collaboration with PSPs has been critical for new product development. As a conclusion, with 34% of players expecting to increase their budget for fraud management and 65% focusing on improving automated detection and sorting capabilities in 2011, the merchant sector clearly deserves full attention from PSPs. In the online world, online transaction fraud is one of the greatest challenges for web merchants. What connections, if any, do you see between the use of different payment methods and the amount of fraud? Employing different payment methods does not necessarily produce a higher risk in itself but rather a higher complexity in payment and fraud prevention management. Simple convergence is not a likely solution as consumers will always want to have the choice when it comes to paying over the web. Offering different payment methods is a very critical aspect of a successful checkout process for our merchants. Amongst new trends, large players adapt their checkout screen depending on the country the consumer is located in or charge the consumer a premium if the operation is flagged as risky with a specific payment method. Merchants also monitor carefully the balance between risk and sales transaction completion rate. An example is the adoption of 3D secure authentication by consumers: some cultures adopted it very quickly; others are struggling and find it invasive. The MRC recommendation is to have merchants customize their own strategies as every business is different. So far, complex mandatory regulations have proven unsuccessful in countries where they were tested. In your opinion, what are the most common types of fraud in the financial ecosystem and the best ways to mitigate them? The shape of fraud is changing. From the friendly fraud observed at the beginning of 2000, we are moving to a more organized type of fraud. Massive data and security breaches have been observed recently. This organizedcrime is more complex to tackle as stolen payment and identity data are then sold over the internet, ending up being used by non-frequent / first time fraudsters. So nowadays, a typical fraud case would involve a large criminal organization taking over a large amount of data and a soft fraudster/customer using this data for his personal benefit. For solutions, the MRC observes that specific tactics and tools typically lose their effectiveness after about 18 months as fraudsters adapt their operations. This is why merchants understand the importance of having multiple tools supported by excellent analytic skills. Our benchmarking surveys show that, on average, large merchants use a combination of over 8 detection tools/ techniques. 8

The MRC observes that specific tactics and tools typically lose their effectiveness after about 18 months as fraudsters adapt their operations. This is why merchants understand the importance of having multiple tools supported by excellent analytic skills. Are certain sectors that have online revenue streams particularly susceptible to fraud, as compared to others? We divide the e-commerce ecosystem into 4 categories: travel and ticketing, online gaming and gambling, physical goods and digital content. But unfortunately fraudsters operate across these sectors. Services for immediate consumption are heavily targeted but physical goods, with a higher value, are also attractive to fraudsters. Therefore the real need is to understand the impact of fraud on the merchant s business. For physical goods or travel, there is a big loss in goods/services. For digital goods, the focus is more on the loss of potential revenue. The true cost of fraud is the combination of the loss of goods or revenue + the cost of the fraud prevention tools and teams + the amount of good business transactions not accepted as a result of a false positive analysis. MRC merchants reject an average of 2.6% of orders due to suspicion of fraud. That latest aspect attracts a lot of attention lately as rejected transactions can be the source of legitimate business and can be turned into a revenue generator. Chargebacks represent a big hurdle for e-commerce merchants and online business owners. In your opinion, how can they be prevented? In 2011, 45% of the typical MRC merchant s fraud losses came from chargebacks. But the recovery rate increased from 25% in 2009 to 41% in 2011 due to better analytics and to a higher rate of representation. Large players have better automation of their chargeback operations but manual review staff still represents the largest part of fraud prevention costs (44% of suspicious transactions are reviewed manually) which causes some concerns from top management when it comes to budgets. Therefore, a careful analysis of the balance between manual review supported by powerful data and automated tools is the best way to prevent chargebacks. As mobile commerce becomes more popular, are there unique security concerns associated strictly with the mobile channel? Or is it affected by the same security issues as e-commerce? There are no clear trends when it comes to mobile payment. Apart from micro-payments such as Premium SMS for very specific sectors, the mobile device is mainly used as a web browser and payment solutions are as if on a pc. But yes, there is an additional layer of security concerns: apart from the possibility of the device being stolen, mobile devices are more vulnerable to infection and consumers are still on a learning curve: for example, most mobile users have Bluetooth activation without password protection. It is therefore possible to infect many devices with spyware in a small amount of time. Therefore the concern is more on how to protect the data that could potentially reside in the mobile device. Last but not least, the traditional fraud prevention systems using geolocation data are less effective with m-commerce. My conclusion would be that mobile payment is a fast moving environment with some work in progress around security. 9

Payments and fraud prevention are areas in which merchants have a common interest and they should learn from their counterparts (as fraudsters do!). Is interoperability between online authentication solutions possible? Although this is a trendy topic, we do not think that this is a panacea. Past experiences have shown that there is no ideal solution. In addition, recent developments in security breach, cyber-mafias, and account take-overs mean that interoperability could lead to more risk by concentrating on a single set of data in a unique system/environment. Interoperability may be an improvement for consumer convenience, providing it is user friendly, but not necessarily good for fraud prevention. Tokenization is also a potential improvement along those lines. Finally, some government initiatives are being reviewed but the MRC would suggest a close cooperation with the merchant community to ensure proper implementation as well as more interaction with consumers to encourage adoption. Directions of development for online fraud prevention systems: what does the industry lack and where should improvements be made? There are tools such as data sharing that could be very effective for crime prevention. As proven over the past decade in national banking systems with Credit Reference Agencies, exchanging data on fraudsters is key for crime prevention and the technology exists. However, the cross-border nature of e-commerce is not compatible with most of the national Data Protection Laws in place and international regulations are still limited on the matter. Therefore, the merchant community should encourage governments to unlock the power of technology by carrying out a proper review of the sector and e-crime associated with it. Law enforcement, currently under-resourced, could also benefit from this next step in its prosecution duties as shown in the US. Finally, all stakeholders of the ecosystem should increase their level of collaboration and experience sharing. Payments and fraud prevention are areas in which merchants have a common interest and they should learn from their counterparts (as fraudsters do!). Is it the most efficient approach? MRC members who collaborate on a regular basis on fraud prevention with other industry members have reported an average of 33% lower revenue loss due to online payment fraud over the past three years, with chargeback rates 24% lower and manual reviews three times lower than similar merchants. 10

Wijnand Jongen, CEO of Thuiswinkel.org Thuiswinkel.org is the branch association for businesses that sell products and services to consumers (b-to-c) via the internet, catalogues and/or the post. The association promotes the interests of its members both nationally and internationally. In addition, Thuiswinkel.org also strongly attaches considerable importance to the interests of the consumers that purchase from its members. Wijnand Jongen has been for 10 years the CEO of Thuiswinkel.org, the association for the online e-commerce industry in the Netherlands, serving 1300 plus web merchants. Thuiswinkel.org took the lead in the E-Payments Merchant Initiative, uniting European merchant interests via major cross border web merchants and 7 other e-commerce organizations from Belgium (Becommerce), France (Fevad), Germany (BvH), Denmark (FDIH), UK (IMRG), Finland (Verkkateollissuus), Sweden (Distancehandel). E-commerce development In the past 15 years e-commerce has become a mature market and is still growing. This trend is expected to continue in the coming years due to the further proliferation of mobile devices (smartphones, tablets) and the trend of consumers being always online. Following this market success, e-commerce payments have seen a tremendous development in the past decade. Cards have become today s most important online payment methods in most countries and will continue to be so for the foreseeable future. However, cards have important product flaws when used for web transactions since cards were never designed for the web. The customer is not physically present with his card, therefore e-commerce payments are known as Card Not Present (CNP) transactions. Without the card present, the main flaw for (credit) cards as a means of payment is their vulnerability to fraud. There are alternatives for cards, but these have their own flaws, mainly fragmentation and a lack of user friendliness. These imperfections affect merchants and consumers strongly and threaten trust online. For the payment world these imperfections bring opportunities to create new more efficient methods to consumers and merchants. Many positive developments have taken place to optimize payments for the web. Innovation has seen traditional payment methods come under pressure as consumers and merchants migrate to more convenient and efficient and secure payment methods. However the journey is far from complete and does create operational issues for merchants who have to operate within this complex market. The online industry (both merchants and providers of financial services) should listen more carefully to consumer needs if we want to maintain growth as we did the past decade. In the next paragraph, I will highlight some of the most pressing customer needs. The last part is dedicated to four trends that, in my belief, will shape the next phase in e-commerce payments. Consumer needs Issues like the lack of confidence in online payment methods, privacy concerns and the lack of trust in the web merchants form barriers for the growth of e-commerce. On a more practical level, they hinder conversion. It is in the interest of the e-commerce sector to eliminate these barriers. Today s payment issues are numerous and it is not obvious to categorize them in a practical and meaningful way. When we take the key barriers for e-commerce from the EU s Digital Agenda we see the following issues: 11

Each type of payment puts bespoke requirements on merchants in terms of usability, security and functionality. Regarding payments this means consumers want more trust in online payment methods. Lack of confidence in the online payment methods Privacy concerns. For a consumer it is comprehensible that he should identify himself in order to enable the delivery of goods or services online. However this should be able with providing the right set of personal data, affecting the consumer s privacy as little as possible Lack of trust in the web merchant. Consumers expect fair agreements, conditions and delivery, whether or not supported by (international) trust marks. We can safely conclude that trust is the critical factor. On top of this we see that future developments will impact the need for new services. i.e. the rise of mobile devices. Each type of payment puts bespoke requirements on merchants in terms of usability, security and functionality. Regarding payments this means consumers want more trust in online payment methods. Consumer needs and autonomous developments form three trends that will have an impact on e-commerce: New banking payment services will be developed A trend we will certainly see in the future is the development of new services that use the existing banking payment schemes for online use. It might be a way for the banks to address the most urgent issue in payments that I mentioned before. Bank payment schemes such as credit transfers and direct debits are core banking services since payments became digital more than fifty years ago. Over time, every country around the world has developed its own national standards and mechanisms. For a few years we now have SEPA within the European Union, which aims to standardize these core banking payment services, including cards. The SEPA project (since 2002, banking self-regulation) led to the introduction of the SEPA Credit Transfer (SCT) in 2008 and the introduction of the SEPA Direct Debit (SDD) in 2009. The uptake of these new services by market and public sector has been limited so far. Therefore an end-date will be mandated by the European Commission, which will probably be 1st January 2013. It is with these core banking products (credit transfer, direct debit) where merchants see the opportunity for new payment developments when they would be made suitable for use on the web. One example is the SEPA Credit Transfer which has no chargeback risk for merchants because the buyer initiates the payment through his own bank. Since SCT is not designed for the web either, a new breed of payment method has come to market in various countries across the globe, which is called Online Banking epayments (OBeP). With OBeP in the checkout process, the buyer is redirected from the merchant site to the site of his bank, where he authorizes the transaction with his online banking credentials. The merchants receive a real-time payment guarantee as a result of this authorization. Today OBeP services are not based on SEPA payments yet, but they can be made suitable for the SEPA payments requirements. A strong point for the OBeP category is that users are directed to their online banking environment. This guarantees a high level of security, but is also familiar to the user and thereby enhances trust and ease of use. The OBeP has a 90% market penetration in the Netherlands with similar systems in e.g. Germany (giropay), Austria (eps), USA (Secure Vault Payments), Canada, Colombia and Poland, but very limited cross border reach. This fragmented and non-interoperable landscape is not beneficial for the proliferation of this type of payments. The proof of concept study on possibilities for interoperability between i.e. eps, giropay and ideal is a very promising 12

The development of new services that can enhance trust in the e-commerce market is a key responsibility for the industry. If we succeed, I m confident that e-commerce can sustain growth and keep on serving consumers in the best possible way. initiative from a technical point of view. However, proper pricing models are still a decisive factor as well for successful European proliferation of this category of payment services. OBeP systems based on SCT are a viable alternative to cards because of the absence of chargeback risks. Therefore merchants want more cross-border OBeP payment options, including an international solution while reducing fragmentation and optimizing the buyer experience. Buyers should be able to pay internationally with their online bank credentials. M-commerce develops rapidly Only recently the mobile device (phone, tablet) has become a serious alternative to the PC when it comes to e- commerce. However, because of the different user settings and screen sizes as well as the uncertainty of security risks, not every online payment method is applicable for a mobile device. and apps which are optimized for mobile devices are developed which can be offered in a competitive fashion. This goes beyond the native payment options of the app stores offered by the major platforms (Apple, Android, Blackberry etc.) and the keying in of credit card details on a mobile device. E-commerce via mobile devices will also benefit from generic e- authentication solutions: consumers can then re-use profile data stored elsewhere to reduce input on the device itself. This will improve the shopping experience, hence increase conversion. Online identity and authentication development The last trend I would like to highlight is that of online identity. Consumers have more and more online identities of various natures. They vary from verified credentials (e.g. bank passes) to unverified credentials with stored preferences (e.g. social media credentials; the expectations of social sign in are high amongst many marketers and web merchants). Initiatives are developed to re-use these identities in the online commerce context, with security levels that can be adapted to the risk or the value of the transaction (basic security for low value, high level of security for higher values). There are many benefits, including the improvement of the security of cards, credit transfers and direct debits. By using a similar international online identity solution for all payment types, the buyer experience will be harmonized. This leads to a better experience, more trust and therefore more sales if implemented in a way that the consumer s privacy is warranted. Buyers can store profile information (address, name etc.) and disclose them to merchants of their choice. This gives a merchant more certainty and leads to a better buyer experience (more conversion). All channels will benefit as an online identity improves all shopping experiences. I.e. mobile screens are small and have small keyboards. Using already stored online identity profiles will reduce the need for input by buyers and will therefore make the mobile channel easier to use. Exciting times for e-commerce payments Overall we can conclude these are exciting times for e-commerce payments. We ve come a long way, but there are still a lot of challenges. The development of new services that can enhance trust in the e-commerce market is a key responsibility for the industry. If we succeed, I m confident that e-commerce can sustain growth and keep on serving consumers in the best possible way. 13

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Adyen Adyen: A next generation global Internet Payment Service Provider Adyen is a highly specialised International Payment Service Provider working for large international e- commerce companies. Adyen works with companies that are based all over the world that are active in a wide variety of industries. This gives a fascinating insight into the major trends in the field of global e- commerce. Looking at what drives the larger, international e- commerce companies, we have identified key trends across the markets. In this article we would like to outline these trends, and at the same time layout Adyen's approach to helping merchants successfully deal with these trends. PCI Compliance The pressure on merchants to be PCI Compliant continues to grow year-on-year. Over the past year we have again seen a number of data breaches which further drives regulation in this field. It is estimated that for medium sized merchants, being compliant costs between USD 300.000 and USD 400.000. This explains why we see that the largest e-commerce businesses are changing their payment infrastructure to a completely outsourced solution. As an illustration Adyen has gone live with a number of airlines that have fully adopted the Adyen hosted payment page model which relieves them fully from PCI compliant responsibility. True globalisation of e-commerce Emerging markets are now mature and serious markets. Some facts: Average GDP growth in Latam is 4.4% vs 1.7% in Europe E-commerce growth in Latam is 25% year-onyear Internet penetration growth in Brazil and Argentina is the fastest in the world Where a few years ago everybody spoke about doing business in emerging markets, today many e- commerce companies are processing serious volumes in these countries. Countries in Latin America, most notably Brazil, are experiencing the most growth. It's not only the global, experienced e- commerce companies that are paving the way. There is a highly dynamic market with many successful domestic e-commerce businesses in Brazil. For Adyen this has been the reason to open offices in Sao Paolo during the past year. Furthermore we have invested heavily in tropicalising our payment platform for the local Latin American markets. This means that we have developed connections directly into the local acquiring banks and have developed support for processing credit card payments in installments a very common way of paying online in Latin America. Local payment methods are also key, especially the cash based boletos are a requirement for this region. Cash is still king... Fraudsters never give-up Here at Aden we are convinced that fraud will never go away. This is what we are seeing throughout the last few years. New authentication tools like 3D Secure are by now quite well penetrated especially across the northern European countries. Fraud continues to be at the top of the agenda for the large players in e-commerce. Patterns continue to evolve, fraud prevention tools need to follow... Adyen runs a next generation Fraud Prevention Tool which is highly customisable. We have helped merchants reduce their fraud losses for up to 90%. 15

Last year Adyen has taken its own Device Recognition Software live which in combination with our self-learning fraud pattern recognition technology provides the latest standard for Fraud Control. Conversion, Conversion, Conversion A/B testing is now everyday business for any serious e-commerce business. Ensuring that a consumer has the most seamless and enjoyable checkout process is the highest priority. For Adyen, making sure our payment platform contributes to this goal is one of our core priorities. This means that we continuously measure and optimize the effectiveness of our payment page solutions. This gives very interesting insight along the way. Did you know that: Supporting 3D Secure in southern European countries can still reduce conversion with 20%... Processing credit cards in Spain with a local Spanish acquirer can increase conversion with 25%... Offering consumers a single-screen payment page over a 3-page payment screen has shown a 90% higher conversion rate... Adyen's conversion analytics tool was designed to provide merchants with ongoing insight into conversion % across their markets. The rise of the mobile sales channel It was ten years ago when we saw the first WAP payment solutions. Back then this was very much a marketing gimmick. Today Adyen sees many millions of transactions running through its payment solution for iphone and Android. These transactions come from ticketing companies, online retailers and group-buying business that all have very quickly adopted the mobile sales channel. One of the fascinating observations is that anytime an established web retailer launches a mobile sales channel, it almost instantly generates volume. It is clear that the global consumer is ready and eager to buy any product on a mobile. Roelant Prins, CCO, Adyen Adyen is the leading provider of global internet payment and e-commerce solutions for e-commerce merchants. Adyen s internet payment solution enables merchants to increase online conversion by optimizing the online payment process. This one-stop solution can be implemented within days and connects companies to global customers through a growing offering of payment methods. For more information please visit www.adyen.com 16

Chase Paymentech Are You Getting The Best From Your Payments Solution? Merchants cannot afford to ignore the impact of fraud and hidden costs associated with e- commerce. No matter what your industry, fraud is a part of it and is clearly not going to diminish. In fact, in research recently conducted by Chase Paymentech, 62% of British mid-sized and large companies that handle customer-not-present (CNP) payments lost money through fraudulent transactions in the twelve months up to March 2011 1. With a long and successful history of working with some of the world s largest e-commerce merchants, we at Chase Paymentech believe that we have a good understanding of merchants fraud concerns. We understand that in order to compete successfully and maximize sales, e-commerce merchants need solutions that filter fraud and encourage legitimate shoppers to transact in a secure environment without materially increasing headcount or costs. In response to this need, Chase Paymentech has developed an innovative suite of solutions designed specifically to combat fraud utilizing continuous transaction monitoring, a customizable rules engine and advanced fraud detection technologies. According to some merchants, Safetech SM Fraud Tools have helped them to notably reduce their chargebacks. In fact, one top internet retailer using Safetech Fraud Tools has consolidated its fraud review to a single full-time employee managing fraud on more than 25,000 orders per day. Before a transaction is completed, Safetech Fraud Tools are at work determining the location and device identification of your customer through custom scripts run on your payment page. Once the consumer completes the purchase, data is sent to Chase Paymentech with the authorization request. Chase Paymentech then sends this request to the payment brands and receives an authorization response that includes approval or decline, as well as Address Verification Service (AVS) response data. This data is routed through our Risk Inquiry System, analyzed and checked against custom rules that you may have implemented. A fraud score is calculated and returned with the authorization response. You may then choose to approve or decline the transaction (or auto-decision based on your custom rules). The Chase Paymentech approach combines multilayer device fingerprinting, proxy piercing, dynamic order linking, dynamic risk scoring, custom rules management and auto-decisioning that together provide a unique solution that can dramatically enhance your current risk management activities. Best of all, Safetech Fraud Tools can be used effectively regardless of currency and payment method, simplifying the cost and complexity of your fraud management initiatives. 17

Looking ahead to the future, UK online sales are predicted to rise 18% this year to a total value of GBP 69 billion 2. And yet, cart abandonment rates are said to have risen to 88%, up from 75% in 2010 3. Merchants are therefore behoved to ensure that they have taken a strategic approach to payment processing. Issues such as preventing a customer from paying in their chosen currency or payment method, a cumbersome payment process and not offering the level of security and protection demanded by consumers, all have the potential to lead to cart abandonment. Similarly, when implementing a multi-channel approach, merchants should take time to review their checkout process. For example, inputting a 16 digit card number on a mobile phone may not be the most convenient for your customer and forcing 3D Secure may cause issues with some smartphones. There are many ways that Chase Paymentech can help merchants maximize conversation strategies and sales opportunities through implementing a smart, strategic payment process. Currently, Chase Paymentech provides solutions to merchants looking to trade in over 130 currencies worldwide. Our strategic focus is influenced by a number of variables including our merchants strategy and other opportunities for growth. As e-commerce continues to grow globally, markets change. The opening-up of the BRIC market represents a growing e-commerce opportunity and one that we continue to evaluate and assess. Chase Paymentech s consultative approach provides each client with a dedicated relationship manager who works closely with that merchant to understand their business, challenges, constraints and future growth plans. This familiarity allows us to focus our expertise on the issues of real concern to the individual merchant. As more and more merchants strive to reduce operating costs and increase revenue in order to compete profitably in today s price-sensitive market, our focus remains on providing our clients with the business intelligence and solutions needed to meet their specific requirements. Client success has always been our primary goal and will remain so in the coming year. Notes: (1) CNP Payments at Risk, independent market research conducted by Dynamic Markets on behalf of Chase Paymentech (2) IMRG Capgemini: e-retail Sales Index: January 2011 (3) Digital Trends: Shopping Cart Abandonment Rate: March 2011 Chase Paymentech Europe Limited, trading as Chase Paymentech, is a subsidiary of JPMorgan Chase Bank, N.A. (JPMC) and is regulated by the Central Bank of Ireland. The information herein does not take into account individual client circumstances, objectives or needs and is not intended as a recommendation of a particular product or strategy to particular clients and any recipient of this document shall make its own independent decision. Information in this document has been obtained from sources believed to be reliable, but neither Chase Paymentech Europe Limited nor any of its affiliates warrant the completeness or accuracy of the information contained herein. This document and the information provided herein may not be copied, published, or used, in whole or in part, for any purpose other than expressly authorised by Chase Paymentech Europe Limited. 2011, Chase Paymentech Europe Limited. All rights reserved. 18

GlobalCollect Fraud is not a local issue One of the key challenges for web merchants and e- commerce growth in general is mitigating online fraud. Fraudsters have become more sophisticated and built organized fraud networks across the world. Guided by a knowledgeable Payment Service Provider such as GlobalCollect, online merchants can reduce fraud by offering alternative payment options which inherently have a lower fraud risk, for example real-time bank transfers. The future of fraud prevention will largely depend on further cooperation across Payment Service Providers, merchants, financial institutions, security experts, trade associations such as MRC, and local law enforcement to accelerate the detection of fraud and develop the appropriate counter measures. The advent of mobile payments brings further challenges related to this payment channel and related devices. To help combat online crime, GlobalCollect s scalable Fraud Screening Service features a range of integrated fraud reduction tools from renowned partners to maximize transaction safety prior to payment authorization. These include customized business rules, online account validation, neural networks to detect suspicious patterns, IP geolocation data to determine the real-world location of a web visitor, pre-check for fraudulent use of credit cards, and more. GlobalCollect is also fully Payment Card Industry Data Security Standards (PCI DSS) certified and an active member of the PCI Security Standards Council s Participating Organization program. Using our Hosted Merchant Link solution allows you as a merchant to design your checkout section in line with your branding while letting GlobalCollect take care of meeting compliance rules - such as PCI DSS - regarding processing and storing sensitive data. Safety in numbers: how to turn browsers into buyers Next to successful fraud mitigation, there is a demonstrated correlation between the number of localized payment methods offered and increased customer conversion rates. Meaning, the more locally preferred payment options you present, the higher the chance your customers will not abandon the checkout procedure. Two examples are Germany, where credit card purchases accounted for only 20% in 2010 and Russia, where cash payments are still very popular. Good to know: GlobalCollect offers an unrivalled portfolio of international, local, and alternative payment methods in almost 200 countries and 170 currencies. As part of its service portfolio, GlobalCollect also offers currency conversion of sales volumes collected in up to 150 local currencies into a desired remittance currency. This enables you as a merchant to conduct business online with fixed, negotiated foreign exchange currency conversion fees, leading to a reduced FX risk for globally collected revenues. In turn, you can offer your customers the convenience to pay in their domestic currency another conversion driver. Koen Vanpraet, CCO, GlobalCollect 19

Implementing a winning payments strategy in alliance with our clients Depending on the analyst, you will see the forecast for online payments grow from USD 700B to more than USD 1T by the end of 2012. Mature markets such as the US and EMEA will continue to show very attractive growth rates but the prime growth will clearly come from new and emerging markets in the years to come. GlobalCollect s strategy for the next 12 months will be developed in close cooperation with its online merchants to help grow their e- commerce business across the world, including a strong focus on: Mobile payments - further development of both enabling payments via mobile devices (mobile interface) as well as using Premium SMS/carrier billing Vertical-specific fraud prevention enhancements Expanded product offering in emerging markets The rising star: BRIC markets The so-called BRIC countries all show up to 50% YoY growth figures in e-commerce and online payment adoption so they offer tremendous potential. That said, each BRIC country has its own intricacies and is rapidly developing a local payment culture combining best-of-breed and hybrid payment methods so one strategy will not fit all. To seize opportunities in these markets and maximize checkout conversion rates, merchants need to offer local acquiring and alternative payments - the latter alone can increase conversion rates by up to 40%. Most of these alternative payments require a local legal entity and local bank account, adding a tremendous work load to your operations, accounting, and legal departments. Unless you as a merchant have the above capacity and knowledge to set up your e-commerce business in these markets, outsourcing is by far the best solution. GlobalCollect has profound BRIC experience plus extensive knowledge of the various local market requirements, customer payment preferences, and repatriation issues, as well as the legal entities in place to help you tap into these markets. Accordingly, GlobalCollect will continue to grow its portfolio of alternative and local payment methods alongside the relevant fraud screening tools. Headquartered in the Netherlands to serve the EMEA region, GlobalCollect also has offices in North and Latin America and the Asia Pacific region to consult clients interested in targeting BRIC markets locally. GlobalCollect is the world's premier Payment Service Provider of local e-payment solutions for international Customer Not-Present (CNP) channels such as internet, mail, and telephone orders, and specializes in a wide range of industries such as travel, retail, online gaming, financial services, telecommunications, publishing, portals, and digital content. Through a single-interface online payment platform, we offer access to an unrivalled portfolio of local and international payment methods in almost 200 countries, including all major credit and debit cards, direct debits, bank transfers, real-time bank transfers, ewallets, cash at outlets, prepaid methods, checks, and invoices. For more information please visit www.globalcollect.com 20

Wirecard How merchants maximize revenues and simultaneously combat fraud Merchants with cross-border operations are faced with an ongoing challenge to manage fraud, no matter whether they sell goods, travel services or digital services. In the card-not-present area in particular they have to realize that these fraud trials often correlate with their chargeback rate. They should not underestimate how this measurement relates directly to their fraud rates. That is why professional case management is the most important goal. A stand-alone payment service provider has to work very closely with one or more acquiring banks with whom the merchant has a contract. This is mostly lacking in terms of getting all necessary information together properly. New business intelligence tools which the Wirecard Group provides enable shop operators to estimate the effectiveness of the risk management strategy that they employ. In addition, they also benefit from the maximum amount of transparency on how central fraud parameters develop over time. In concrete terms, the new business intelligence tools portray information to online retailers using transparent graphs. This allows, for example, changes in fraud parameters such as the chargeback or fraud rate to be tracked over time. If retailers use the Verified by Visa and MasterCard SecureCode security methods, the card-issuing bank is liable in the event of fraud. This reversal of liability means that the retailer is only informed of cases of fraud the in the event of a return debit. Additional information, which can be provided as a result of the close links between acquiring and technical services within the Wirecard Group, gives retailers a top-level view of the overall picture. This end-to-end data allows the company to constantly adjust its risk management. At the same time, retailers ensure that they meet the card companies' formal requirements with regard to permissible fraud rates. The advantages are obvious: shop operators have greater control of fraud as it occurs, thus allowing them to optimize their revenues. A risk management strategy should start by analyzing each market-proofed payment solution that merchants should offer in order to successfully develop their business in each single country. Once this has been done, a top-level view of how fraud can be managed is required. 21

It goes without saying that preventing fraud before it happens is the best option. Wirecard`s solutions cover consumer identification and credit rating, strategy management in combination with fraud prevention methods and the company s Fraud Prevention Suite provides maximum protection against payment default. This comprises fraud pattern analytics, rule and decision management, fraud screening and pattern (behaviour) detection, performance monitoring and case management. Despite the fact that we offer the world s leading payment methods, we have already positioned our company already in the BRIC area. What is more, Wirecard not only meets customer-specific requirements with its highly flexible and customizable range of products and services. In order to deploy and maintain tailored solutions and features, we offer a set of professional services spanning consulting, project management, business and system analysis, implementation and quality assurance, operations as well as customer support. The sophisticated analysis features show the extent to which rule-based fraud recognition impacts the success of the business. We believe that this type of overview will also be of interest to shop operators who were previously skeptical about automated tests. Heiner Kallweit, Head of Product Line Risk & Fraud Prevention Wirecard AG is one of the leading international providers of electronic payment and risk management solutions. Worldwide, the Wirecard Group supports over 12,000 companies from a wide range of industry segments in automating their payment processes and minimizing cases of default. Wirecard Bank AG is a Principal Member of Visa, MasterCard and JCB and operates as a credit card acquirer in 69 countries around the world, involving over 100 transaction currencies and 18 payout currencies. Part of the Wirecard Group, Wirecard Bank provides innovative solutions in the fields of corporate banking, prepaid and co-branded cards, along with account products for both business and private customers. For more information please visit www.wirecard.com 22

WorldPay Building a global strategy, brick by BRIC It s with good reason that many retailers are eyeing the BRIC (Brazil, Russia, India and China) countries with such eager interest. A report launched at the end of August by PriceWaterhouse Cooper suggests that while these fast growing countries delivered just 17% of global GDP in 2010, their contribution is set to rapidly soar and that they will provide an astonishing 40% of GDP growth during 2011 and 2012 (1). Indeed, in AT Kearney s 2011 Global Retail Development Index (2), Brazil, India and China all maintained positions in the top ten, with only Russia slipping out of the upper echelons. Brazil in particular excelled, awarded a 100% attractiveness rating as an investment location, in part due to the upcoming Olympics and World Cup. For online retailers, this creates an immense opportunity. In our experience of working with numerous online retailers, we have found that with much of their mission-critical infrastructure in place, the process of expansion can be much simpler than for a bricks-and-mortar competitor. Payments without borders The popularity of payment methods between countries can vary hugely. Failing to provide payment methods that suit the local audience can be one of the quickest ways of limiting business expansion. For a retailer without experience of those local markets, that can create some unexpected requirements. In China, for instance, where many consumers want to inspect an item before parting with their money, Cash-on-Delivery (COD) is the most popular method of payment for goods purchased online. As a result, AliPay - an escrow service that manages the transfer of funds between retailers and buyers now provides access to more than 550 million users. A similar situation exists in Russia, where only a small percentage of the 130 million credit cards in circulation are usable online. Issued primarily for the collection of salaries, and missing essential CVC information, these credit cards are increasingly shunned by many retailers in favour of e-wallet solutions, such as WebMoney. Capitalising on the BRIC opportunity Although emerging markets present online merchants with near-limitless opportunity, naturally they also create a number of serious considerations that need to be taken into account. At WorldPay, we re doing all we can to help retailers and merchants expand their reach into the BRIC countries and other developing territories. We re focusing on three key areas: we re making it as easy as possible for merchants to take payments across borders, helping them maximise conversion rates and also fight fraud head-on. Gabriel Hopkins, Head of e-commerce Products 23

As a result, the most successful online retailers are now adopting multiple payment strategies. Taking the simple step of moving from a single payment method to two or three can boost conversion rates by as much as 10%. WorldPay, thanks to its recent acquisition of Envoy Services, is now the world s leading provider of alternative payment solutions and offers a range of options for any business looking to expand its payment offering to customers. Maximising conversion rates Making it as easy as possible for the customer to purchase and pay is absolutely key to improving conversion rates for any retailer. Something as simple as presenting webpages or an online store can have a major impact on sales patterns. Research conducted recently shows that shoppers are four times as likely to buy from a shop that communicates to them in their native language. At WorldPay, we provide a service that allows merchants to present payment pages in multiple languages with the minimum of effort, greatly simplifying the situation for anyone expanding into foreign territories. Linguistics aren t the only consideration however, as currency conversion also needs to be taken into account. A website presented in the local language is a great first step, but offering the choice to pay in local currency can also be a major driver for sales. As a result, retailers need to find a payments partner that can offer Foreign Exchange services enabling shoppers to pay in their own currency. Tackling fraud When it comes to global retail fraud, we ve seen a growing trend of what is termed clean fraud. Increasingly sophisticated fraudsters have found ways of placing orders with highly consistent attributes, including IP geolocations, card issuing countries, phone numbers and more. As a result, fraudulent transactions look almost exactly like good transactions, causing frustration for merchants. Sophistication is also breeding coordination. We ve witnessed a number of fraud rings teaming up to make coordinated attacks, which require equally high-level fraud strategies to counter. There is no single solution to fraud. Instead, we believe that it s vital that merchants adopt a number of complementary risk strategies that work together to both optimize the number of good transactions that they accept whilst minimizing the fraudulent ones. Services such as WorldPay s RiskGuardian, which provides a high specification fraud screening service can be the perfect addition to an overseas risk management strategy. Notes: (1) www.investmentinternational.com/news/latest/bric- economies-set-to-soar-as-g7-recovery-slows-economists- predict-4860.html (2)www.atkearney.com/images/global/pdf/Retail_Global_E xpansion-grdi_2011.pdf WorldPay is a leading global provider of payment and risk services, processing millions of transactions every day. WorldPay is a unification of seven leading retail payment solutions and offers a range of services including acquiring, gateway, alternative payments, risk management, and mobile payments. WorldPay became an independent company in December 2010. For more information, visit www.worldpay.com 24

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2Checkout.com www.2checkout.com/community/ Europe, North/Latin America 3V Transaction Services www.3v.ie Europe, North/Latin America 99Bill www.99bill.com Asia/Pacific 26

ABN Amro www.abnamro.com/en/index.html North/Latin America, Europe, Middle East/Africa, Asia/Pacific Accelya w3.accelya.com North/Latin America, Europe, Middle East/Africa Acculynk www.acculynk.com North/Latin America 27

Acceptance www.acceptance.de Europe ACI Worldwide www.aciworldwide.com/ Asia/Pacific, Europe, Middle East/Africa, North/Latin America ACM (United Tranz*actions) www.acmeft.net North/Latin America 28

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AcceptEmail provides a comprehensive e-billing & payment service based on e-mail, SMS and social media via a wide variety of local payment methods that we categorize in credit cards, debit cards and online banking. Keywords AcceptEmail www.acceptemail.com E-billing, e-invoicing, e-bill, e-invoice, e-mail, payment, credit management, invoice-to-cash Contact Mr P.J. Kwakernaak, CEO, pkwakernaak@acceptemail.com, +31 20 7470123 Market segment(s) Active since (year) 2006 Connected companies (#) Companies PSP is connected to Settlement currencies (acquirers) Services Unique Selling Points Core services Pricing Collecting payments Distributing payments Fraud prevention (measures) Fraud prevention partners Credit management (services) Other services Third Parties Technology Direct connections Batch processing Per order processing Merchant pages (direct model) PSP pages (indirect model) Interfaces Security Europe, Middle East/Africa Retail, insurance, telecom, utilities, ticketing, charity, education, internet, publishers Amex, MC, VISA, CB, JCB Dankort, Bancontact/Mister Cash, Maestro, Giropay, BCMC N/A All local online banking systems N/A AcceptSMS is available in The Netherlands Sofort N/A #3 Acquirers WorldPay, Ogone, ICEPAY, ideal, PBS, PayDutchGroup EUR Lower costs for invoicing and collection; debtors pay quicker, increase of customer satisfaction and environmentally friendly replacement of paper for digital; no duplication of data and no errors in creating the payment E-Billing Presentment and Payment by email, SMS and social media Monthly license fee + transaction per AcceptEmail Via partners Via partners Credit management is applicable in all stadia in the invoice-to-cash process Integration with Credit Management System, AcceptSMS and voicecast Microsoft, Exact, RICOH, Mastercard, Triloq Payments, Fundtech, Litas Prie Lito and various resellers Web services, SOAP, XML HTTPS, SSL+, PKI 30

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Adyen is the most innovative and experienced PSP currently on the market. Adyen combines highly sophisticated, fully customizable hosted payment pages, unprecedented reporting capabilities with transparant and no-frills pricing. Adyen is specialised in least-cost transaction routing. In combination with Adyen's conversion management software merchants are capable to vastly improve conversion rates at lowest cost per conversion. Adyen provides fully integrated state-of the art fraud control. Keywords Adyen www.adyen.com Innovation, conversion, fraud control, multi-channel, global, experience, independent, flexible Contact Sander Maertens, VP, sander.maertens@adyen.com; +31202401240 Market segment(s) Global, specifically strong in Americas and Europe Retail, travel, digital content, gaming, gambling, ticketing, social networks, social buying Active since (year) In payments business since 1997, current platform operational since 2006 Connected companies (#) Companies PSP is connected to Settlement currencies (acquirers) Services Unique Selling Points Core services Pricing Collecting payments Distributing payments Fraud prevention (measures) Credit management (services) Other services Third Parties Technology Direct connections Batch processing Per order processing Merchant pages (direct model) Visa, MasterCard, Amex, JCB, Diners, Discover, UATP, AirPlus, co-branded (e)maestro, Visa electron, MrCash, Dankort, Laser, Delta, Carte Bleue, CartaSi, Postepay Wallie-card, PaySafeCard, PostePay, Cash ticket, Ukash, local (national) brands ideal, sofortüberweisung, DIRECT ebanking, Nordea, suomen verkkomaksut and the whole range of local Scandinavian and Polish banking methods Paypal, MoneyBookers, Netteller, Click&Buy, Hyves Afrekenen Global coverage Mobile payment pages, open invoice (post-payment), electronic invoicing / pay by e-mail Bank transfers in over 30 countries, a selection of local voucher payment methods #25+ Acquirers and capable of working with 3rd party providers of (risk & loyalty) solutions Acquirers, fraud services, logistic partners, credit management services, e-commerce platforms ARS, AUD, BRL, CAD, CHF, CLP, COP, CZK, DKK, EUR, GBP, HKD, HUF, ILS, IND, JPY, LTL, LVL, MXN, NOK, NZD PLN RUB SEK SGD THB TRY USD ZAR Increased conversion by simplifying the payment experience for shoppers; strong, configurable and real-time fraud screening, including device fingerprinting, artificial learning., more insight and control by providing statistical insight into payments; transparent, real-time interchange-plus pricing; short time-to-market of new features with bi-weekly releases; strong in new technologies, such as mobile payments, connected TV, in-app payments Multi-channel payment platform, fraud management, payment advise, reconciliation, reporting All-in pricing matrix, maximum transaction price of EUR 0,10. No set up or maintenance costs. Get a price quote now! Yes, Adyen is operating a full service model, being capable to reconcile all payment methods Flexible & state-of-the-art risk module, incl. consistency & velocity checks, referral lists, persistent cookies, device fingerprinting, proxy piercing. All checks are fully configurable & extendable. Due to operating a collecting model, Adyen can enrich risk module with payment behavior Yes, via third party, but fully integrated Fully customisable payment pages; Recurring and one click payments; Global electronic invoicing; Native mobile payment pages; A fully mobile accessible back-environment; MOTO (call center environment); Pay out; Point-of-Sale Everything is developed and managed in-house Yes, when merchant is PCI compliant 32

PSP pages (indirect model) Interfaces Security Yes, one of Adyen's main USPs as this page is fully customisable and Adyen supports one-pagepayments. Webservices, SOAP, XML, HTTP, CSV, RSS, iphone HTTPS, SSL+, Basic Authentication, HMAC Aduno www.aduno.ch Europe AIB Merchant Services www.aibms.com/index.php North/Latin America, Europe, Middle East/Africa, Asia/Pacific AirPlus International www.airplus.com/world/en/ North/Latin America, Europe, Middle East/Africa, Asia/Pacific 33

Alipay www.alipay.com/ North/Latin America, Asia/Pacific, Europe Allopass www.allopass.com/us North/Latin America, Europe, Asia/Pacific Amazon Flexible Payments aws.amazon.com/fps/ North/Latin America 34

American Express home.americanexpress.com/home/mt_personal.shtml North/Latin America, Europe, Asia/Pacific Aramor Payments www.aramorpayments.com North/Latin America Atos Worldwide sips.atosworldline.com Asia/Pacific, Europe, Middle East/Africa, North/Latin America 35

Asia Pay is a world class electonic payment service, solution and technology provider, and merchant aggregator in Asia. AsiaPay provides a comprehensive array of secured, advanced and integrated payment processing solutions and technologies to banks, payment service providers and merchants. AsiaPay partners with international card associations, banks, payment companies and debit cards all over Asia. AsiaPay Limited www.asiapay.com Contact Mr. Joseph Chan, sales@asiapay.com, +852 2538 8278 Market segment(s) Services Fraud prevention (measures) Credit management (services) Other services Technology Direct connections Batch processing Per order processing Hong Kong, Thailand, Singapore, Philippines, China, Malaysia, Taiwan, and Vietnam Banking, Retail, Travel, Airline, Hotels, Resort, MICE, Portals, Digital content, Gaming, Service Providers Visa, MasterCard, American Express, JCB BancNet, PPS, China UnionPay,Alipay, 99Bill, enets, MEPS, Poli BancNet in PH, POLI in AU/NZ/UK PayPal, Smart Money and Globe GCash in PH, Tenpay Smart Money and Globe GCash in PH Email Payment Link, Recurring Scheduled Payment, Mobile Payments, iphone App Payment Model emoto Online, real-time advanced fraud management solution with customizable risk control parameters: blacklist control, geographical checking, velocity checking, historical negative record checking, parameter format checking, transaction limit checking, customized rules and risk scoring Merchant administration platform with capability to: online, real-time and web-based; perform transaction query with wide choice of parameter combination selections; retrieve and download transaction details, view reports on sales, settlement, and others; administer user accounts with multiple access level rights; log sales capture of authorised transaction, online void and refund; perform other value-add functions, e.g. MOTO capture, IP/Card screening etc. Mobile payments for multi-mobile platform, China payments, scheduled payment, card promotion payment, prepayment and micropayment, eloyalty, hotel reservation management, online registration management, white-labelled payment gateway, white-labeled online mall, DCC management, fraud monitoring, payment plugin for open source shopping cart platforms, prevailing GPS, booking and ticketing platforms. Sales requests, auhorization requests, capture, refunds AvantGard Payments www.sungard.com/avantgard Asia/Pacific, Europe, Middle East/Africa, North/Latin America 36

arvato Finance is a leading provider of global billing, accounting and payment processing solutions. With many years of experience within the billing and payment sector we are able to implement effective best-in-class solutions. Today we process over 100 million transactions per year for a number of blue-chip corporations. Keywords Contact Market segment(s) arvato Finance www.arvatofinance.com PSP, online, payment processing, multi-currency, Direct Debit, PCI, collections, e-commerce Martin Herlinghaus, Director Sales & Marketing, martin.herlinghaus@arvato.com +49(5241)80-43187 EMEA, Americas & Caribbean, APAC E-commerce, portals, high-tech, gaming, travel, other Active since (year) 1996 Connected companies (#) Companies PSP is connected to Settlement currencies (acquirers) Visa, MasterCard, Amex, JCB, Diners Club, Discover Maestro, Visa Electron, Visa Debit, Laser Visa or MasterCard branded Giropay, ideal, Dineromail PayPal Bespoke solutions Global disbursements using ACH and cheques Bank transfers in most EMEA and APAC countries; Direct Debit 10 acquirers and 15 cash management banks Acquirers and cash management banks, anti-fraud solution vendors, debt collection agencies, logistic partners, content clearing houses, digital content providers EUR / GBP/ USD / JPY and up to 16 more depending on processors and payment methods Services Unique Selling Points Core services Pricing Collecting payments Distributing payments Fraud prevention (measures) Fraud prevention partners Credit management (services) Other services Third Parties Technology Direct connections Batch processing Per order processing Merchant pages (direct model) PSP pages (indirect model) Interfaces Security Comprehensive individual consulting, with a Plug and Pay approach supporting multiple card and EFT payment methods, flexibility through open design and a modular service architecture Billing, AR / AP management, fraud prevention, payment processing, credit & collection, customer service Low setup costs for connection via API, transparent transaction pricing structure Data validation, negative lists, comparison checks, velocity checks and scoring Available on request Purchase on credit, credit scoring Debt collections, invoice printing, customer service, loyalty programs, consulting The majority of the company`s services have been developed in-house but arvato Finance also works with companies within the wider Bertelsmann Group XML via SOAP (specifications available upon request), Java SPI, Plain Socket Interface HTTPS, SSL+, PKI 37

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B+S Card Service www.bs-card-service.com/en/ Europe Bank Associates Merchant Services www.bams.com North/Latin America BACS www.bacs.co.uk/bacs/corporate/pages/default.aspx Europe, US 39

Bank of America www.bankofamerica.com North/Latin America barclaycard epdq www.barclaycard.co.uk/business/ North/Latin America, Europe, Middle East/Africa, Asia/Pacific beanstream www.beanstream.com/public/index.asp North/Latin America 40

Bill Me Later www.billmelater.com/index.xhtml North/Latin America Billeo www.billeo.com North/Latin America Billing Revolution www.billingrevolution.com North/Latin America 41

Billsafe www.billsafe.de Europe Bitcoin www.bitcoin.org US, Europe Bivan BV www.howpeoplepay.com Europe 42

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BluePay www.bluepay.com North/Latin America BNL POSitivity www.bnlpositivity.it/en/prodotti/ Europe Boku www.boku.com Europe, US, Latin America, Asia 44

Buckaroo www.buckaroo.nl Europe CreditCall www.creditcall.com Europe Camtech www.camtech.com.au Asia/Pacific 45

Canopus Software www.canopuslab.com Europe, Middle East, North America Card Complete Service Bank www.cardcomplete.com/ Europe CardinalCommerce www.cardinalcommerce.com North/Latin America, Europe 46

CartaSi www.cartasi.it/gtwpages/index.jsp Europe CashRun GmbH www.cashrun.com North/Latin America, Europe, Asia/Pacific CashSender www.cashsender.com North/Latin America, Europe 47

CCAvenue www.ccavenue.com Asia/Pacific CCNow www.ccnow.co North/Latin America, Europe, Asia/Pacific Ceridian SVS www.storedvalue.com North/Latin America, Europe, Middle East/Africa, Asia/Pacific 48

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Chase Paymentech is a global leader in payment processing and merchant acquiring and a specialist in customer-not-present (CNP) transactions. In 2010, Chase Paymentech processed more than 20.5 billion transactions with a value exceeding $469.3 billion, including an estimated half of all global Visa and MasterCard Internet transactions. In addition to the ability to authorise transactions in more than 130 currencies, the company provides business analytics and information services, fraud detection and data security solutions. Chase Paymentech www.chasepaymentech.co.uk Keywords Customer not present, credit card processing, payment processing, CNP, recurring billing, e- commerce, mail order, accept credit card Contact eumarketing@chasepaymentech.com, UK: 0845 399 1120; rest of Europe: +353 1 726 2950 Market segment(s) Active since (year) 1985 Settlement currencies (acquirers) Services Unique Selling Points Core services North America, Europe Auction, e-retailing (apparel, electronics, software), travel, events, online gaming, digital downloads, social networking, other GBP, EUR, USD, CHF, DKK, SEK, NOK, ZAR, JPY, NZD, AUD and HKD Chase Paymentech is committed to its merchants and is synonymous in the payment processing industry for secure and reliable payment solutions. Our systems and processing environments are designed to help meet the specific needs of merchants backed by a consultative approach, proactive relationship management, modern robust technology and assistance in minimising fraud and chargebacks. Customer-not-present merchant acquiring and payment processing Pricing To discuss pricing, please contact us on +353 1 726 2950 Collecting payments Distributing payments Fraud prevention (measures) Other services Technology Direct connections Batch processing Per order processing Merchant pages (direct model) PSP pages (indirect model) Interfaces Security Chase Paymentech s Safetech Fraud Tools - an innovative suite of solutions designed specifically to combat fraud utilising continuous transaction monitoring, a customisable rules engine and advanced fraud detection technologies. Orbital Payment Gateway: secure internet processing; browser-based virtual; 24/7 application support; software development; online authorization; auto-close of daily; wide range of payment; customer profile management/tokenisation. Authorisation Recycling: automatic resubmission of transactions; recovery of declines; customised merchant parameters; effective reporting and output. Risk Management Services: monitors unmatched refunds to sales; tracks VIS and MasterCard monitoring thresholds; monitors daily patterns; monitors charge backs to sales; merchant shopping program; online chargeback management. Purchase Card Acceptance: Visa and MasterCard; level I, II, III fields; full data between buyer and seller; business demand; paper reduction; BIN ranges available weekly. Recurring Payment Support: card account update service; MasterCard SIIP program; recurring payment indicators; multiple payment methods. Spectrum SDK: simplifies direct integration; manages connections; eases upgrades with templates HTTPS, VPN, MPLS, Web Services, SOAP, XML (specifications available upon request) HTTPS, SSL, SSL+, PKI 50

CheckAlt Payment Solutions http://www.checkalt.com/ North/Latin America China UnionPay en.chinaunionpay.com North/Latin America, Europe, Middle East/Africa, Asia/Pacific ChinaPay www.chinapay.com Asia/Pacific 51

Chess www.chess.nl Europe Chronopay www.chronopay.com North/Latin America, Europe, Middle East/Africa, Asia/Pacific CIBIL India www.cibil.com/web/index.html India 52

Cielo www.cielo.com.br/portal/main-page.html North/Latin America ClearCommerce (FIS Global) www.fisglobal.com/index.htm North/Latin America, Europe, Middle East/Africa, Asia/Pacific ClickandBuy International Limited www.clickandbuy.com Europe, North/Latin America 53

CNG Processing www.cngpro.com Europe Cofidis http://www.cofidis.com/fr/accueil.php Europe Cofinoga http://www.cofinoga.fr/ France 54

Coinstar http://www.coinstar.com/ North/Latin America CollectivePOS www.collectivepos.com North/Latin America Commercegate www.commercegate.com Europe 55

Compass Plus http://www.compassplus.com/ Europe, Asia/Pacific Commidea, part of the Point Group, provides card payment processing solutions to meet the demands of a variety of environments, such as retail, hospitality, mobile retail, ecommerce and MOTO. Commidea offers a fully managed service, with transactions hosted on Commidea s PCI DSS Level 1 certified infrastructure. Keywords Contact Market segment(s) Active since (year) 1992 Services Unique Selling Points Core services Pricing Fraud prevention (measures) Credit management (services) Technology Direct connections Batch processing Per order processing Commidea www.commidea.com Multi-channel payment solutions, card machines, chip and PIN, credit card machine, credit card terminal, credit cards online, online payments, payment gateway Matthew Roots, marketing manager, 08444 828 200, matthew.roots@commidea.com UK and Ireland Retail, hospitality, mobile retail, e-commerce, mail order and telephone order Mastercard, Visa, Amex, Diners, Discover, JCB Debit Mastercard, Maestro, Visa Debit, Visa Electron, Visa CPC Various e-gift and loyalty card schemes Mobile vouchers, E-Top Up Contactless payments, PayPal N/A Multi-channel payment service provider; innovative products, including Ocius Sentinel, which was the UK s first point-to-point encryption payment solution; PCI DSS Level 1 certified infrastructure; fully hosted managed service providing a range of fully integrated value added services Card payment processing Commidea's pricing varies dependent upon the solution - for further details please contact enquiries@commidea.com or telephone 08444 828200. Supports Foregenix Fscout Fraud Screening service N/A 56

Computop is the leading global payment solutions provider with more than 15 years of industry and consulting experience. The Computop Paygate is the complete payment solution that provides merchants with: comprehensive international payment methods, global fraud detection and prevention system, a 90 day extended payment guarantee for Verified by Visa and MasterCard Secure Code transactions, payment guarantees for an array of other payment types, and organized merchandise management and accounting system. The Paygate has been processing over 44 million transactions with a value of $4 billion, a figure that is growing by 40% per annum. Keywords Contact Market segment(s) Active since (year) 1997 Companies PSP is connected to Settlement currencies (acquirers) Services Unique Selling Points Core services Pricing Fraud prevention (measures) Fraud prevention partners Credit management (services) Other services Third Parties Technology Direct connections Computop - the payment people www.computop.com Multichannel payment, global and country specific payment methods, fraud prevention, PCI solutions, tokenization, innovative, flexible Tel. DE +49(951)98009-0 or US +16467017045 or UK +447584701118 or sales@computop.com North America, Europe Retail, airline/travel, gaming, gambling, events, ticketing, content, digital downloads, customised B2C solutions, B2B purchasing solutions Visa, MasterCard, Amex, Diners Club, Discover, JCB, AirPlus Bancontact, Carte Bancaire, Dankort, ec/girocard, Laser, Maestro, Mr.Cash, Visa Electron Cash Ticket, paysafecard EPS (AT), giropay (DE), ideal (NL), Sofortüberweisung (DE,AT,NL,UK) Amazon Payments, ClickandBuy, PayPal mpass International Direct Debit, BillMeLater, guaranteed payment by instalments with Klarna and RatePay, guaranteed payment on invoice with BillPay, BillSAFE, Domnowski, Klarna, RatePay plus loyalty card of Miles & More International bank transfers Please contact Computop for a complete list of processors and acquiring banks worldwide Any currency supported by merchant bank A global 90 day payment guarantee on credit card transactions reduces non-payment; increased conversion through individual payment forms for all channels; reduced order abandonment through international & country-specific payment methods; efficient and affordable fraud prevention; reduced integration effort through pre-integration with leading ERP and ecommerce vendors including: demandware, hybris, INTERSHOP, Magento, Oxid and SAP, which provides the synergy for smooth and worry-free integration; neutral industry & product consultancy Complete multichannel solution for global Payment Processing (ecommerce, telephone, call center) as well as "out of the box" mobile templates for iphone, ipad, Blackberry, Android, Windows and Symbian; Extensive Risk Management & Fraud Protection Upon request and on a customized, project scope basis Full risk management system including: Adress Check, Credit Check, Card Origin Check, Geo IP- Origin Check, Device Recognition, Velocity Check, Black/ White List, 3D secure (Verified by Visa & MasterCard SecureCode), bank account/ credit card checks 41st Parameter, arvato Infoscore, Bürgel, Creditreform, deltavista, Domnowski, Quova, Schufa, Universum Group Credit Control / Receivables Management American Express B2B purchasing solution, recurring payments, subscription management, MOTO SSL terminal, Computop Analytics backoffice with user rights management, fallback payment system, Cash&Go mobile topup, batch file transfer, EPA settlement files, cardholder fund transfer, Pseudo Card Number tokenization, Corporate Paypages through templates arvato systems, demandware, hybris, INTERSHOP, Magento, OXID, SAP Business ByDesign, WebSale, Xsite, xtcommerce, D&G Software, Lombego, MAC Diva, MAC Mailplus, Midoco, ypsilon.net 57

Batch processing Per order processing Merchant pages (direct model) PSP pages (indirect model) Interfaces Security Web service (specifications available upon request) SSL, HMAC, Blowfish, PCI DSS level 1 Certified, certified bank data centers 58

CQR Payment Solutions is an authorised payment service institution, providing local and international solutions for electronic money, payment service providing, issuing and acquiring. Through a single-interface online payment platform, CQR offers over 90 of the world s most commonly used payment options, enhanced by local currency options and full cashier language support. CQR Payment Solutions www.cqrpayments.com Contact sales@cqrpayments.com; +43 (0) 1227 50 37000 Market segment(s) Services Fraud prevention (measures) Other services Technology Direct connections Batch processing Per order processing Europe Online retail, transport, gambling, gaming, other Amex, Diners, MasterCard, Visa, Kalibra, PostePay, SanPaolo Maestro Paysafecard, Ukash, TicketPremium Sofortüberweisung, Giropay, ELV, ideal, MisterCash, p24 (18 banks), Nordea, EPS (11 banks), Sporopay, Ebanka, epay Click and Buy, Moneybookers, Neteller, Click2pay, Paypal, InstaDebit, Kalixa, Webmoney, Moneta, Dineromail Paybox, MPDeposit, Mplatba Western Union Bank Transfer, Multibanco, Cobro Express Automatic Risk Scoring Platform incl. Payment limit cheques, velocity cheques and customer cheques, white and black list. Payment Risk & Anti Money Laundry teams for advance transaction monitoring Reconciliation & settlement, reporting, 3DSecure, KYC Counting House www.countinghouseltd.com Latin America, Europe, Middle East/Africa, Asia/Pacific 59

ConCardis www.concardis.com/ Europe CRB Africa http://www.crbafrica.com/crb/ Africa CRE Secure www.cresecure.com North/Latin America 60

Credorax www.credorax.com Asia/Pacific, Europe, Middle East/Africa, North/Latin America Ctopay www.ctopay.hk North/Latin America, Europe, Middle East/Africa, Asia-Pacific Cyberplat www.cyberplat.com Europe, Asia/Pacific 61

Founded in 1994, CyberSource, a Visa company, is a global leader in ecommerce payment management. We offer businesses a full-service payment management platform, combining global payment processing, fraud management and payment security systems. You can reach more customers, detect fraud more accurately and protect against payment data theft. Keywords Contact Market segment(s) CyberSource Corporate/Americas: www.cybersource.com; Europe: www.cybersource.co.uk; Middle East & Africa: www.cybersource.com/mea; Asia Pacific: www.cybersource.com/asiapacific; Japan: www.cybersource.co.jp e-commerce, online, payment, fraud, PCI, global, tokenisation Rosie Leishman, Head of Marketing, rleishman@cybersource.com +44 (0)118 929 4855 Asia/Pacific, Europe, Middle East/Africa, North/Latin America Retail (apparel, electronics, software), direct response, travel, ticketing, media, telecommunications, finance, billers, services, auction, digital downloads, social media etc. Active since (year) 1994 Visa, MasterCard, AmEx, JCB, Diners CartaSi, Carte Bleue, Dankort, Discover, Laser, Maestro, Visa Debit, Visa Electron, Chinese debit cards, Carte Blanche, Hipercard, Aura, GECC, NICOS house card, Santander cards, private label cards Visa or MasterCard branded Aktia, ecard, enets, eps Online-Überweisung, giropay, ideal, ING Homepay, Nordea, Sampo, Sofortüberweisung, IPS (China) PayPal (standard and express checkout) IVR (US and UK) PIN-less debit (US), echeck/ach (US), Bill Me Later (US), Boletos Bancários (Brazil) Direct debit in SEPA countries, Singapore and Hong Kong; Bank transfer in most EMEA and APAC countries; Cash on Order (China) Services Unique Selling Points Core services Pricing Fraud prevention (measures) Intelligent payments - An open platform helps you proactively manage your payment, fraud and payment security systems globally irrespective of channel or payment method. - Reach more customers, whist addressing sophisticated fraud all by a single connection. You can get to market faster, more profitably, and with increased operating efficiency. Global payment processing, fraud management, payment security, centralisation Please contact your regional CyberSource office for more information about pricing The automated fraud management portal, Decision Manager, provides access to over 200 global tests and services including device fingerprinting, IP geolocation, multi-merchant purchase history, global validation checks and Verified by Visa/MasterCard SecureCode. Credit management (services) Other services Third Parties Technology Direct connections Batch processing Per order processing A case management system streamlines the review process, boosting order conversion. Can be managed by you or our Managed Services and Order Review teams. Enterprise payment security solution, including Tokenisation and Hosted Payment Acceptance. Payment centralisation to consolidate payment management operations across organisations. Multiple third-party fraud vendors; ecommerce platforms such as ATG, IBM, NetSuite and many more 62

Cubepay www.cubepay.com North/Latin America, Europe, Asia-Pacific CuentaDigital www.cuentadigital.com North/Latin America Dalpay https://www.dalpay.com/en/ Europe, North/Latin America 63

Daotec www.daotec.com Europe Datatrans www.datatrans.ch North America, Europe, Asia DataCash Group Ltd (part of the MasterCard group) is one of the leading established payment service and fraud and risk management solution providers in Europe. Trading for over 13 years, DataCash has grown to provide Merchants with a global gateway to address all their secure, multichannel payment processing and fraud prevention needs. Keywords Contact Market segment(s) DataCash Group Ltd www.datacash.com PSP, online payments, fraud prevention & risk management, international, multi-channel DataCash Sales team: sales@datacash.com, info@datacash.com DataCash Partners team: partners@datacash.com; tel: +44 (0)870 727 4761 Europe, North/Latin America, Middle East/Africa, Asia/Pacific Gaming, retail, airline, travel and leisure, ticketing, digital content downloads, social networking, finance, education, government, telecommunications and many others Active since (year) Understanding payments since 1997 MasterCard, Visa, American Express, JCB, Diners Club, Discover & Branded Store Cards 64

Connected companies (#) Companies PSP is connected to Settlement currencies (acquirers) Services Unique Selling Points Core services DataCash Group Ltd Maestro (International and Domestic), Visa Electron, Visa Debit, Laser (Ireland), CarteBleue (France), CartaSi (Italy), Dankort (Denmark), China Union Pay (China), MisterCash/Bancontact (belgium) & much more. Contact the DataCash sales team for a full list. Ukash,PaySafecard, OSMP & ToditoCash TeleIngreso Online Bank Transfers: Sofortueberweisung, ideal, GiroPay, Banklink U NET, BanklinkSwed, ebanka / ekonto, enets, Multibanco, Nordea NetBank, MisterCash, POLi, Przelewy24 & more PayPal, Click and Buy, Click2Pay, Moneta, Neteller, Moneybookers, WebMoney, Alipay, Amazon Payments, CashU, epay, Abaqoos, InstaDebit, EUTeller, Ewire & Abaqoos ewire Over 45 alternative payment types worldwide and constantly growing (Europe, North/Latin America, Middle East/Africa, Asia/Pacific) including: ACH, bacs, echeck, ELV, SEPA, Direct Bank Transfer & more. Contact the DataCash sales team for a full list & global coverage. Barcode Santander, Boleto Bancario, DineroMail, NeoSurf & Western Union, La Caixa Linea Abierta DataCash are connected into an array of global acquirers, fraud prevention, Cardholder partners, POS systems, ecommerce platforms, alternative payment services, loyalty and prepaid card solution partners and more. Please contact the DataCash sales team for more information. DataCash process multiple currencies for merchants anywhere in the world. For more information on a list of settlement currencies please contact the DataCash sales team. One provider for all your global multi-channel payments & fraud & risk management needs! DataCash enables merchants to process payments efficiently, seamlessly and securely through multiple channels in any geographic location; helping to drive business growth, revenue & ensure a consistently positive payments experience for customers. Online payment processing, international payments, fraud & risk management, full back office reconciliation, dynamic currency conversion & global payments & fraud consultancy & evaluation Pricing For current pricing please contact our Sales team:sales@datacash.com, +44 (0)870 727 4761 Collecting payments Distributing payments Fraud prevention (measures) Fraud prevention partners Credit management (services) Other services Third Parties Technology Direct connections Batch processing Per order processing Merchant pages (direct model) PSP pages (indirect model) Interfaces Security Full verification tools, real-time & offline screening, globally shared negative database, +130 rich data capture & checks, +350 complex rules specific to industry, secure & dynamic web-based user interface, 3 rd party integrations, outsource fraud screening reviews, fraud analytics & reports DataCash is integrated into multiple third party fraud prevention partners including but not limited to: 192.com, Electoral roll, ThreatMetrix and much more Cardholder Present Solution, Mobile Payment Service, Hosted Pages & Tokenization solutions, Dynamic Currency Conversion, Split Shipment, Recurring Payments, Payouts, Chargeback management, Local Acquiring and Sophisticated Reporting Management Service. Contact the DataCash sales team for more information. A single connection into the DataCash Payment Gateway provides you with full access to global payments and fraud and risk solutions to suit your exact business needs. As an additional service, DataCash provide merchants with batch processing. DataCash provides merchants with Hosted Card Capture and Hosted Pages Solution as an integration method in order to assist with reducing the burden of PCI DSS related costs. Main point ofxml over HTTPS as well as Web services, SOAP + XML (specifications upon request) HTTPS, SSL+, PKI, Digital Certificates for merchants using Java and Unique DataCash Customer Identification which is rest on a yearly basis. 65

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DIBS Payment Services is the leading Scandinavian online payment service provider. Today we serve more than 15 000 customers from our offices in Copenhagen, Stockholm, Gothenburg and Oslo. DIBS was founded in 1998 and has developed payment solutions since the early days of ecommerce. Today, we make our experience available to our customers, striving to fulfil their needs. Security and credibility are important keywords to companies handling payment transactions. Hence, DIBS has achieved VISA/MasterCard PCI certification and devotes its efforts to constantly enhancing its security solutions. Keywords Contact Market segment(s) Active since (year) 1998 DIBS Payment Services www.dibspayment.com PSP, online, payment, currency, easy, connect, mobile, mail order, telephone-order Mr. Eric Wallin, CEO Scandinavia and Europe Adult, auction, gambling, gaming, retail, travel, other Amex, JCB, MasterCard, Visa, Dankort, Diners Maestro, Visa Electron GetitCard Aktia, Ålandsbanken,Bank Einzug, Danske Bank, Nordea, IDEAL, OKO, BankAxess, Sampo, Tapiola, SEB, SHB, Swedbank PayPal Connected companies (#) Acquirers (36) Companies PSP is connected to Settlement currencies (acquirers) Services Unique Selling Points Core services SHB invoice, PayByBil Invoice, Klarna Invoice, PayPort invoice, Svea Invoice, edankort Aktia Online Banking,Ålandsbanken Online Banking,American Express,BABS,Bank Einzug,BankAxess Online Banking,Barclays,CEKAB,Collector Invoice,Danske Bank Online Banking,Elavon,Euroline,Getitcard,Handelsbanken,Hydro Texaco,iDeal Online Banking,Klarna Invoice,Luottokunta,NatWest,Nordea Online Banking,OKO Online Banking,PayByBill,Paypal,Nets,Sampo Online Banking,SEB Online Banking,SHB Online Banking,SVEA Invoice,Swedbank Online Banking,Tapiola Online Banking,Teller,UPG,Wirecard,HSBC,Lloyds TSB,RBS All Customercare in shop's opening hours, API, styling of payment window, mobile shopping, extra security product, several acquirer solutions Online payment processing Pricing Please contact us at +45 70 20 30 77 Fraud prevention (measures) Fraud prevention partners Other services Third Parties Technology Direct connections Batch processing Merchant pages (direct model) PSP pages (indirect model) Interfaces Security Full risk management system including: Data Checks, Comparison Checks, Velocity Checks DataCheck, FraudPrevent Voucher SITE HTTP API and webservices SSL and HTTPS 67

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Deutsche Card Services www.deutsche-card-services.com Europe Dexia www.dexia.com Europe 69

Digital Garage's "e-context" offers payment gateway services for the Japanese market. e-context serves as a gateway enabling "Konbini payments", meaning payments for online purchases at tens of thousands of convenience stores located across in Japan. e-context also provides online payment methods as well as unique Japanese-market payment methods. Keywords Digital Garage, Inc. e-context www.garage.co.jp/en/econtext PSP, Konbini, Payment Gateway, International payment, Asia, Japan, Alternative payment, Pay at convenience stores Contact Mr. Daisuke Mizuta, Manager, payment@garage.co.jp, +81-3-6367-1100 Market segment(s) Active since (year) 2000 Services Unique Selling Points Core services Pricing Fraud prevention (measures) Other services Technology Direct connections Batch processing Per order processing Asia/Pacific, North America, Latin America, Europe e-retail (apparel, electronics, software), travel, events, gaming, ticketing, digital services etc. VISA, MasterCard, JCB, Amex, Diners Suica, Edy Major banks including Mizuho Bank, Bank of Tokyo-Mitsubishi UFJ, Sumitomo Mitsui Banking Corporation (SMBC), Resona Bank, Japan Post Bank. 120 banking institutions in total. PayPal, Alipay Hosted mobile payment pages Konbini (Pay at convenience stores), Pay-easy (Pay at ATMs), id credit payment service Bank transfer, payment slip, direct debit PSPs are able to connect to Digital Garage's e-context system and thus provide Japanese local payment options to their clients. Processing online payments, collection and reconciliation For current pricing, please contact our sales department payment@garage.co.jp Card Verification (CVV2), 3-D Secure Money transfer, SSL certificate, Sales promotions, Shopping cart, Fulfillment Service, Web site design/authoring, System development, Venture incubation 70

Digital River World Payments is a full-service payment provider. We design and develop trusted global payment programs for e-commerce companies across the globe since 1994. Our service focuses not only on the transaction itself but also on the important pre-and post-transaction events that ultimately affects your business results. Keywords Contact Market segment(s) Active since (year) 1994 Digital River World Payments www.digitalriverpayments.com Online payments, global, international, local, alternative, fraud, gateway info@digitalriverpayments.com North/Latin America, Europe, Asia/Pacific Retail, travel, online services, gambling, gaming, direct selling Visa, MasterCard, Amex, JCB, Diners, Discover Int l debit cards e.g. Maestro International, Visa Debit and Electron. Local cards (credit & debit) e.g. CarteBleue, Carte Aurore, 4 Étoiles, Carte Cofinoga, Dancard, CartaSi, Laser Card and UK Maestro. 60+ local debit cards in China, 6 local debit cards in India and 20+ local debit cards in South Korea. Local cash cards in India ideal, Sofortbanking, Giropay, EPS, Nordea Denmark, 4 banks in Sweden, 6 banks in Finland, 39 banks in India and 19 banks in South Korea. Connected companies (#) Companies PSP is connected to Settlement currencies (acquirers) Services Unique Selling Points Core services Pricing Collecting payments Distributing payments Fraud prevention (measures) Fraud prevention partners Other services Technology Direct connections Batch processing Per order processing Merchant & PSP pages Interfaces Security PayPal, AliPay Local solutions in India and South Korea. In other markets a mobile checkout solution is available. Boleto Bancario in Brazil, Installments in Brazil, Mexico and South Korea Electronic fund transfers (bank transfer) in 20+ European countries, direct debit in Austria, Germany (ELV), Netherlands, Bpay in Australia, cheques Local card acquirers worldwide Information available upon request AUD, CAD, CHF, CZK, DKK, EEK, EUR, GBP, HKD, JPY, LVL, NOK, NZD, PLN, SEK, SGD, THB, USD, ZAR, BRL, MXN, INR, TWD Digital River World Payments is a full-service payment provider helping e-commerce companies succeed with their online business across the globe since 1994. Extensive in-house e-commerce and e-payment experience and expertise. Global coverage of traditional and alternative payment options. Holistic Payment Lifecycle Management approach for an optimized payments program. The core of our business is the payment processing capability supported by our in-house PCIcertified payment platform. Our service focuses not only on the transaction itself but also on the important pre-and post-transaction events that affects online sales results. Our offering includes tools for an optimized customer payment experience, fraud management solutions, chargeback management, reconciliation services, business intelligence reporting and payout services. Please contact a sales representative or info@digitalriverpayments.com for current pricing. Transaction Defender; full support for fraud protection measures e.g. CVV/CVC, 3DSecure and AVS Information available upon request FX, Business Intelligence Reporting, A/B Testing for checkout page, Reconciliation services Multiple options (API's, web service) available Level 1 PCI compliant, PSD license holder 71

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Diners Club http://www.dinersclubinternational.com/ North/Latin America, Europe, Middle East/Africa, Asia/Pacific DirectOne www.directone.com.au Asia/Pacific Discover Network www.discovernetwork.com North/Latin America 73

Docdata Payments www.docdatapayments.com Europe Documetric www.documetric.com Europe Dotpay www.dotpay.pl Europe 74

DPS Payment Express http://www.paymentexpress.com/index.html North/Latin America, Europe, Middle East/Africa, Asia/Pacific Dragonfish www.dragonfishtech.com North/Latin America, Europe, Middle East/Africa, Asia/Pacific Earthport plc www.earthport.com Europe/USA/Middle East 75

EBS www.ebs.in Asia/Pacific ecapay www.ecapay.net Asia/Pacific ebillme www.ebillme.com North/Latin America 76

ecard www.ecard.pl Europe ECHO www.echo-inc.com North/Latin America Ecorepay www.ecorepay.com North/Latin America, Europe, Middle East/Africa, Asia/Pacific 77

Elavon www.elavon.com North/Latin America, Europe Electronic Payment Systems www.eps-na.com North/Latin America emerchantpay www.emerchantpay.com Europe, North/Latin America, Asia/Pacific 78

European Merchant Services (EMS) was formed in June 2005 as a joint venture between First Data, and International Card Services (ICS). EMS broadened their expertise in payment solutions from the Dutch/Belgian Point-of-Sale segment to Europe-wide e-commerce solutions. EMS services (e-)merchants in 11 European countries and continues to expand its scope. European Merchant Services (EMS) www.emscard.com Contact Mr. M. van Piggelen, Sales Director, mvpiggelen@emscard.com, +31 (0) 20 660 3080 Market segment(s) Services Fraud prevention (measures) Credit management (services) Other services Technology Direct connections Batch processing Per order processing North/Latin America, Europe, Middle East/Africa, Asia/Pacific Retail, travel, gaming, gambling, ticketing, e-wallet MasterCard, Visa, American Express, Diners Club International, Discover Maestro, V PAY, Visa Electron, Visa Debit Only acceptance - all prepaid from above brands accepted IVR supported First Data Risk Management System including: offline data checks, velocity checks, sales patterns, monthly fraud reporting, fraud advice and education 3D-Secure processing, Multi-Currency, Worldwide Settlement, Airline Flight Data, Gaming/Gambling Winnings (original credits), Reporting, Virtual Terminal, edcc Equens www.equens.com/index.jsp Europe 79

enets www.enets.com Asia/Pacific Envoy Services www.envoyservices.com North/Latin America, Europe, Middle East/Africa, Asia/Pacific EOS Payment Solutions www.eos-payment.com North/Latin America, Europe, Middle East/Africa, Asia/Pacific 80

epay Worldwide www.epayworldwide.com North/Latin America, Europe, Asia/Pacific eprocessing Network www.eprocessingnetwork.com North/Latin America Escalion www.escalion.com Europe 81

etranzact www.etranzact.com North/Latin America, Europe, Middle East/Africa EuroCommerce www.eurocommerce.ie North/Latin America, Europe, Middle East/Africa, Asia/Pacific Euroline www.euroline.se North/Latin America, Europe, Middle East/Africa, Asia/Pacific 82

eway www.eway.com.au Asia/Pacific ewise www.ewise.com/corporate/index.html North/Latin America, Europe, Asia/Pacific E-xact Transactions www.e-xact.com North/Latin America 83

Experian http://www.experian.com/ North America, Europe, Middle East/Africa, Asia/Pacific FailSafe Payments www.failsafepayments.com North America, Europe, Middle East/Africa, Asia/Pacific First Data www.firstdata.com/en_us/home North/Latin America, Europe, Middle East/Africa, Asia/Pacific 84

First Atlantic Commerce (FAC) is a secure, PCI certified payment gateway that offers custom, online payment solutions to merchants and banks. FAC provides merchants with online credit and debit card processing and alternative payment solutions such as global check issuing services, EFT, wallets and Ukash -- all through a single, secure interface. Contact Market segment(s) First Atlantic Commerce www.firstatlanticcommerce.com Tricia Lines Hill, Vice President, Marketing & Business Development E: tlineshilll@fac.bm T:+1.441.294.4625 North/Latin America, Europe, Asia/Pacific Retail, Travel (Airlines, Hotels, Car Rentals), Ticketing, Prepaid Phone & VoIP, Digital Content, Internet & Technology (ISPs, Web Hosting), Gaming, Pharmacy (solution dependent) Ukash, Moneybookers, EFT, Check issuing, e-wallets, online cash payments, bank deposits, bank transfers Bank transfers (solution dependent), checks, prepaid cards Services Fraud prevention (measures) Fraud management services including North American AVS, CVV2/CVC2/CID verification, and 3-D Secure -- available as standalone or bundled service Credit management (services) Other services Bank 3-D Secure certifications, Recurring Payments, Tokenization, Real-time reporting Technology Direct connections Batch processing Per order processing Fifth Third Bank www.53.com North/Latin America 85

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First National Bank Omaha www.firstnational.com North/Latin America First National Merchant Solutions www.firstnationalmerchants.com North/Latin America U.S. Payments Transaction Management Systems http://www.uspayments.com/ North/Latin America 87

FIS GLOBAL http://www.fisglobal.com/ Europe, North America, Latin America, Asia-Pacific Fortis Bank Nederland www.fortisbank.nl Europe FosterPay www.fosterpay.com Europe, Middle East/Africa, Asia/Pacific 88

Gate2Shop www.g2s.com Europe, North America, Latin America, Asia-Pacific GHL Systems www.ghl.com Asia/Pacific, Europe. Middle East/Africa giropay GmbH www.giropay.de Europe 89

Global Payments www.globalpaymentsinc.com North/Latin America, Europe, Middle East/Africa, Asia/Pacific Google Wallet www.google.com/wallet/ North/Latin America Glue Pay www.gluepay.com Europe 90

GlobalCollect is the world's premier Payment Service Provider of local e-payment solutions for international Customer Not-Present channels such as internet, mail, and telephone orders. Through a single-interface payment platform, we offer access to an unrivalled portfolio of local, alternative, and international payment methods in almost 200 countries and 170 currencies. Keywords Contact Market segment(s) GlobalCollect www.globalcollect.com Full-service PSP, fraud screening, alternative e-payments, conversion rate info@globalcollect.com; info@globalcollectusa.com; info@globalcollectapac.com info@globalcollectlatam.com North/Latin America, Europe, Middle East/Africa, Asia/Pacific Travel, Retail, Gaming, Financial Services, Social Media, Telcos, Ticketing, Portals, Digital Content, Publishing, Music, and more Active since (year) 1994 Companies PSP is connected to Visa, MasterCard, American Express, Diners Club International, Discover, JCB Maestro, Visa debit, MasterCard debit, Carte Bleue (France), Dankort (Denmark), Discover (United States), 40+ local Chinese debit cards Wallie, Ukash, Toditoca$h, Paysafecard ideal (Netherlands),Sofortüberweisung/Sofort Banking, Giropay (Germany), Nordea Solo (Sweden, Finland, Denmark), ING HomePay (Belgium), ecard (Poland),eNETS (Singapore), EPS (Austria) PayPal, WebMoney, cashu, Alipay, Yandex, Moneybookers Virtual bank accounts, Prepaid cards, cash, vouchers Local bank transfers in over 66 countries GlobalCollect is bank independent and has partnered with leading international financial institutions like First Data, AIB, BNP, HSBC, Wells Fargo, WorldPay, Barclays, Elavon, Euroline, and others. Settlement currencies (acquirers) 14 Services Unique Selling Points Core services Pricing Collecting payments Distributing payments Fraud prevention (measures) Fraud prevention partners Other services Technology Direct connections Batch processing Per order processing Merchant & PSP pages Interfaces Security GlobalCollect can help your company to increase its international market share significantly by enabling you to provide customers with the ability to pay with their preferred payment method and in a local currency. Online payment processing; FX; Process transactions in 28 languages; Fraud screening; Full service provider facilitating all back office processes (from payment matching/reconciliation to refund processing and charge backs); Multi-currency fund remittance; Consultancy of local legislation and end consumers payment preferences. Upon request on a customized basis. GlobalCollect s PayOut Service enables you to transfer money electronically to your distributors or consumers across the EEA. Payouts can be pre-funded in one or multiple currencies. GlobalCollect s scalable Fraud Screening Service features a range of integrated fraud reduction tools from renowned partners to maximize transaction safety prior to payment authorization. These include customized business rules, online account validation, neural networks to detect suspicious patterns, IP geolocation data to determine the real-world location of a web visitor, pre-check for fraudulent use of credit cards and more. Retail Decisions (ReD), 3D Secure ("Verified by Visa" and "MasterCard SecureCode"), Quova, Experian, InterCard 4Safe. Full-serve-provider, currency conversion, multi-lingual 24x7 consumer support, single-interface connection to our payment platform. In development XML, redirect to hosted checkout pages and/or a web terminal. Connection to payment platform based on SSLv3, with 128 bit ciphers and up. 91

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GSI Commerce www.gsicommerce.com North/Latin America, Europe Heartland Payment Systems www.heartlandpaymentsystems.com North/Latin America Heidelpay www.heidelpay.de Europe 93

Home ATM www.homeatm.net Asia/Pacific, North/Latin America Hyperwallet www.hyperwallet.com North America, Latin America, Europe, Middle East, Africa, Asia Pacific IcePay www.icepay.com North/Latin America, Europe, Middle East/Africa, Asia/Pacific 94

ideal is the payment standard for secure and direct online payments. Consumers pay safely and quickly through their own online banking portal. 10 Million Dutch consumers use online banking. All of these are free to use ideal. 55% of Dutch online consumers prefer ideal above other payment methods. Keywords Contact Market segment(s) ideal www.ideal.nl e-payments scheme, OBeP, ideal, Netherlands, Online Banking e-payments, payment guarantee Product Management ideal, ideal@currence.nl Europe Active since (year) 2005 Services Unique Selling Points Core services Pricing Fraud prevention (measures) Credit management (services) Other services Third Parties Technology Direct connections Batch processing Per order processing Web merchants, sale of physical and virtual goods and services, online ticketing, fundraising N/A N/A N/A ideal N/A N/A N/A N/A Payments made with ideal are guaranteed and cannot be reversed. ideal has provided a major impulse to the e-commerce market in the Netherlands. Also it is the most preferred means of payment by Dutch online shoppers. They can use ideal straight away without registering, downloading any files or opening a special account. Online Banking e-payments scheme For pricing please contact one of the participating acquiring banks. For further information: see our website www.ideal.nl merchants N/A N/A N/A N/A N/A N/A N/A IFC http://www1.ifc.org/wps/wcm/connect/corp_ext_content/ifc_external_corporate_site/home North/Latin America, Europe, Middle East/Africa, Asia/Pacific 95

IndiaPay www.indiapay.com Asia/Pacific ING www.ingcommercialbanking.com Europe Ingenico www.ingenico.com North/Latin America, Europe, Middle East/Africa, Asia/Pacific 96

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Inpay http://www.inpay.com North/Latin America, Europe, Asia/Pacific Interac www.interac.ca North/Latin America Internet Secure www.internetsecure.com North/Latin America 98

ipay88 www.ipay88.com Asia/Pacific ipaydna International http://www.ipaydna.biz/ Asia/Pacific IPS www.ipspay.net North/Latin America, Europe, Middle East/Africa, Asia/Pacific 99

ISD Financial www.isdfinancial.com North/Latin America Ixaris Systems www.ixaris.com Europe, Asia/Pacific, North/Latin America, Middle East/Africa Javien www.javien.com North/Latin America 100

JCB www.jcbcorporate.com North/Latin America, Europe, Middle East/Africa, Asia/Pacific Kaban www.kaban.com.ph Asia/Pacific KBC www.kbc.com Europe 101

Klarna www.klarna.se Germany, the Netherlands, Sweden, Finland, Norway and Denmark (RnD office in Israel) Lateral Payments www.lateralpayments.com North/Latin America, Europe, Asia/Pacific Litle&Co www.litle.com North/Latin America 102

MasterCard Payment Gateway www.mastercardpaymentgateway.com North/Latin America, Europe, Middle East/Africa, Asia/Pacific Mazooma www.mazooma.com North/Latin America Merchant e-solutions www.merchante-solutions.com North/Latin America 103

Millennium Payment Systems www.millenniumpayment.ca North/Latin America Mobile-for www.mobile-for.be Europe MOL www. global.mol.com North/Latin America, Europe, Middle East/Africa, Asia/Pacific 104

Mollie www.mollie.nl Europe Moneris www.moneris.com North/Latin America RialtoPay http://www.monetacorp.com/ North/Latin America 105

Nets is one of northern Europe s leading companies for payment solutions, information services and digital security solutions, with one of the most extensive and innovative product portfolios in Europe. Our ambition is to become an even stronger partner to our customers by supporting their business nationally as well as internationally. Nets Holding A/S www.nets.eu Contact Nets Holding A/S, Lautrupbjerg 10, 2750 Ballerup, Denmark, Telephone: +45 44 68 44 68 Market segment(s) Services Fraud prevention (measures) Credit management (services) Other services Technology Direct connections Batch processing Per order processing Northern Europe (Denmark, Norway, Sweden, Finland, Estonia) Bank sector, individual banks, merchants and corporates Amex, JCB, MasterCard, Visa, CUP Dankort, BankAxept, VISA Elektron, Maestro Prepaid cards, prepaid closed loop (private label cards), gift cards services SMS services Loyalty cards, giro payments, debit and credit transfers Extensive views of offline in POS terminals Full risk management system including: Real-time surveillance of issuer and acquirer transactions, pro-active blocking, merchant applications, data investigation Domestic and SEPA direct debit and credit transfer payment scheme management, clearing services, hot back-up 24-7 10 data centrals in Denmark and Norway, more than 250 issuers, SWIFT, online infrastructure network Issuer and acquirer service providing, payment and clearing Moneta.ru www.moneta.ru Europe, CIS 106

MoneyGram https://www.moneygram.com/mgirewards/main/index.htm North/Latin America, Europe, Middle East/Africa, Asia/Pacific Moneydirect www.moneydirect.com North/Latin America, Europe, Asia/Pacific Mi-Pay www.mi-pay.com Europe, Middle East/Africa 107

mopay c/o MindMatics AG www.mopay.com North/Latin America, Europe, Middle East/Africa, Asia/Pacific mpayy www.mpayy.com North/Latin America ModusLink has more than 25 years of experience and a successful track record for helping the world s leading technology brands across a wide range of vertical industries adapt to changing market conditions, balance growing price and cost pressures and increase profit margins. ModusLink s e-business Suite of Solutions offers brand owners and retailers a comprehensive set of integrated solutions, from e-commerce web store development and hosting, to a full suite of sales and marketing, customer support, financial management, fulfillment and post-sales services. Keywords Contact Market segment(s) Active since (year) 1986 ModusLink Global Solutions www.moduslink.com Global Payment Services, Financial Management, ecommerce, Loyalty Programs, Gift Card Promotions, Entitlement Management Services, Fulfillment and Returns Mr. A. Barendregt, Global Director Finance & Financial Services, Tel +31-55-5434583, email bram_barendregt@moduslink.com; Corporate Headquarters Tel +1-781-663-5000, email info@moduslink.com North/Latin America, Europe, Asia/Pacific Communications, Computing, Consumer Electronics, Lifestyle, Consumer Packaged Goods, Retail, Software, Storage 108

Connected companies (#) 10 Companies PSP is connected to Settlement currencies (acquirers) Services Unique Selling Points Core services Pricing Collecting payments Distributing payments Fraud prevention (measures) Fraud prevention partners Credit management (services) Other services Technology Direct connections Batch processing Per order processing Merchant pages (direct model) PSP pages (indirect model) Interfaces Security ModusLink Global Solutions All major credit cards incl. Visa, MasterCard, American Express, Diners, Discover, JCB CarteBleue, CartaSi, Maestro, Visa Electron, Dankort Issued prepaid cards, distributed via retail shops ideal, Sofortüberweisung, Nordea PayPal, AliPay, Google Checkout Mobile payment integration capabilities Card installment payments, Prepaid Bank transfers in over 25 countries globally, ELV, echeck, Prepaid Check (US, UK & FR), Gift Card promotions with Visa Flagged cards, Private Label Cards and Membership Club cards, On-line & Mail-in check rebate processing Bank transfers in most countries globally Chasepaymentech, Wells Fargo, RBS, CitiBank, JP Morgan, Bank of America, ANZ Bank, ASB Bank, ABN AMRO bank, Cybersource Processing in 130 currencies and settlement in over 12 currencies Flexible integration with our ebusiness solutions that will increase global revenue generation and customer acquisition with lower total cost of operation; rapid, integrated fulfillment and returns; less administrative management, improving resource bandwidth and improved multichannel visibility and actionable intelligence reporting e-commerce Web store development and hosting, to a full suite of sales and marketing, customer service support, financial management & global payment services, multichannel fulfillment and postsales services Please contact us for a quotation Full integration with Cybersource risk management system including: IP Geolocation, Velocity monitoring, Multi-merchant transaction histories/shared data, Neural net risk detection; Positive/negative/review lists, Global telephone number validation, Global delivery address verification services. Standard card brand services (AVS, CVN) Cybersource Purchase on credit, Credit & Collection services, in - outbound call services, email, dunning letters for both B2B & B2C market, credit check Supply Chain outsourcing, Factory Supply, Optimized configuration, Multichannel Fulfillment, Aftermarket return and repair services Web services, SOAP, XML (specifications available upon request) HTTPS, SSL+, PKI 109

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MultiSafepay www.multisafepay.com Europe MyECheck www.myecheckcorporate.com North/Latin America My Payment Network www.mypaymentnetwork.com North/Latin America 111

NAB Transact www.transact.nab.com.au Asia/Pacific NetSpend www.netspend.com US Nordea www.nordea.com Europe 112

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Ogone delivers non-face-to-face businesses a payment solutions platform, added value opportunities and technology advancements that become essential for the way payments are performed, managed and secured today. Keywords Contact Market segment(s) Ogone www.ogone.com Ogone, payment, payments, gateway, online, merchant, internet, fraud Mr Nico van Miltenburg Head of Sales sales@ogone.com BE +32 2 286 96 11; NL +31 297 255 411; FR +33 1 70 70 0903; UK +44 20 31 47 49 66; DE +49 30 22 15 10 750; CH +41 44 277 55 00; AT +43 1 890 63 85 00 Europe & more than 200 acquiring connections worldwide Auction, retail (apparel, electronics, software), travel, ticketing, other Active since (year) 1996 Visa, MasterCard, American Express, Diners Club, JCB, UATP, AirPlus, Cofinoga, Discover, Aurore Maestro, Solo, Laser Card, Visa Electron, Bancontact/Mister Cash, Carte Bleue, PostFinance Card, Dankort, EPS, ideal, ELV Wallie-card, Paysafecard, Cash-Ticket ING Hompeay, KBC, CBC, Dexia DirectNet, Centea, Sofortueberweisung.de Checkout by Amazon, PayPal, WallieCard, Minitix, 1euro.com mpass, PingPing RatePay, Klarna, AfterPay, Billpay Bank transfer, Payment on Delivery, Payment by e-mail, Checkpay of PostNL Services Unique Selling Points Core services Pricing Fraud prevention (measures) Fraud prevention partners Other services Third Parties Technology Direct connections Batch processing Per order processing Merchant pages (direct model) PSP pages (indirect model) Interfaces Seamless & secure payments Online payment processing, fraud prevention, reconciliation Please contact our Sales Team sales@ogone.com PCI DSS, 3-D Secure, blocking rules and filters, scoring module Ethoca, Perseuss Consultancy, merchant account facilitation Specific industry solutions partners: Amadeus, Sabre Airline Solutions, Radixx, micros fidelio, Ticketscript Shop software connectors: Magento, epages, Actinic, XT Commerce, OS Commerce Saas Security HTTPS, SSL+, PCI-DSS Level 1 114

Obopay www.obopay.com/consumer/welcome.do Asia/Pacific, North/Latin America Offerpal Media www.offerpalmedia.com North/Latin America, Europe, Asia/Pacific, Middle East/Africa Omba http://www.ombapay.com Europe, North/Latin America, Middle East/Africa, Asia/Pacific 115

Omnipay www.omnipay.com Europe Optimal Payments is a global provider of online payment solutions. Trusted by businesses in over 180 countries to process billions of dollars in transactions annually, merchants use the NETBANX payment gateway to accept credit card and direct debit payments and the NETELLER e-wallet to accept direct from bank payments. Keywords Optimal Payments www.optimalpayments.com Merchant accounts, online payment gateway, global credit card processing, local payments, online direct debit, e-wallet, tokenization, risk and fraud management, IPSP Contact Carla Erlick, Vice-President, Sales and Merchant Services, Tel: 514.380.2716, carla.erlick@optimalpayments.com Sales, North America, 1.866. 826.8003 United Kingdom, +44 (0) 1223 44 6040 sales@optimalpayments.com Market segment(s) US, Canada, Europe, UK, Asia/Pacific, Africa + many international countries Retail, digital downloads, telecommunication services, webhosting and domain name registration, membership groups, online auction sites, fundraising organizations, subscription services, travel agencies, government services and companies accepting B2B payments Active since (year) 1996 Connected companies (#) Companies PSP is connected to Settlement currencies (acquirers) Visa, MasterCard, Amex, JCB, Diners Club, Discover, CartaSi Visa, MasterCard, Maestro, Solo, Carte Bleue Net+, Postepay,Ukash, Sofort Giropay, ideal, Interac Online, POLi NETELLER, PayPal, DineroMail, Moneta Online Mobile ACH, EFT, UK Direct Debit, EuroDebit N/A Contact us for complete listing Contact us for complete listing Over 100 processing and settlement currencies 116

Services Unique Selling Points Core services Pricing Collecting payments Distributing payments Fraud prevention (measures) Fraud prevention partners Other services Third Parties Technology Direct connections Batch processing Per order processing Merchant pages (direct model) PSP pages (indirect model) Interfaces Security Optimal Payments Optimal Payments is a leading, global provider of online payment processing solutions that include merchant accounts around the world, a proprietary NETBANX payment gateway and risk and fraud management services. Founded in 1996, Optimal is a publically listed company, LSE: (OPAY), with offices and employees around the world. Optimal provides payment solutions for thousands of e- commerce and MOTO businesses including many multinational and international brand name organizations. Optimal also provides custom tokenization and white label payment gateway solutions to large B2B enterprises and government agencies. Core services provided by Optimal Payments include global merchant accounts, proprietary online payment gateway, worlwide processing of credit/debit cards, online direct debit, local payments, online consumer ewallet available in 170+ countries and payment risk and fraud management services. Available upon request The Optimal NETBANX payment gateway includes hundreds of real-time fraud detection and prevention tools including AVS, CVV and CVV2, referencing of positive and negative databases, geo-ip address verification, BIN lookup, transaction velocity, phone number verification, age verification, and device fingerprinting. The NETBANX gateway also runs a proprietary Risk Rules Engine that can be configured and customized based on a business model, industry sector or geographic location. Maxmind, Threatmetrix, G2, Verified by Visa, MasterCard SecureCode, Cardinal Commerce Optimal Payments also provides customized tokenization and/or payment solutions Available upon request Web services, SOAP, XML (specifications available upon request) All services domiciled in Optimal Payments level one PCI certified data centers in North America and Europe. Security features of Optimal Payments transaction API s include channel level encryption at all points in transit (sslv3), non-repudiation and integrity via digital signatures of requests and responses. 117

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Orca www.orcaone.com North/Latin America Owe Global Solutions Private Limited www.ogsswitchon.com North/Latin America, Asia/Pacific PacNet is a leading international PSP that specializes in processing cross-border transactions in local currencies for e-commerce and direct response companies. They offer international CNP merchant accounts and processing complete with risk flagging, anti-fraud and multiple secure integration options, as well as multi-currency cheque processing, direct debit and refund processing. Keywords PacNet Services Ltd. www.pacnetservices.com international, virtual terminal, hosted payment page, browser direct post, check processing, electronic payments, EFT, PCI compliant Contact Mr. Brendan Mahar, VP Sales, info@pacnetservices.com, +1-604-689-0399 Market segment(s) Active since (year) 1994 North/Latin America, Europe, Middle East/Africa, Asia/Pacific e-commerce, Direct Mail, DRTV, Not for Profit MasterCard, Visa 119

CarteBleue, CartaSi, Maestro, Visa Electron Direct Debit Cheque by Phone / Check by Phone Cheque Processing Bank Transfer Collection Cheque Issuing Electronic Payments Services Unique Selling Points Core services Pricing Fraud prevention (measures) Credit management (services) Global Reach; International Expertise; Competitive Pricing; Easy Implementation; Multiple PCI Compliant Integration Options; Worldwide Risk Flagging and Anti-Fraud Services; Centralized Processing and Reporting for Online and Payments; Choice of Processing Currencies; Choice of Settlement Currencies; Convenient Online Account Management Tools; Bank Independent Online payment processing, cheque processing Upon request Full risk management system including risk flagging Purchase on credit, Payment guarantee Other services Third Parties Technology Direct connections Batch processing Per order processing API, Browser Direct Post, Hosted Payment Pages Includes batch upload hrough secure online processing interface, WebDav Directories, PacNet's proprietary cheque scanner application, and paper batches Virtual Terminal available through secure online processing interface - credit cards, debit cards, cheques and electronic payments Pago www.pago.de Europe, North America 120

Paybox Services www1.paybox.com Europe PayByCash www.paybycash.com North/Latin America, Europe, Middle East/Africa, Asia/Pacific PayByFinance www.hitachicapital.co.uk/ Europe 121

PayDutch www.paydutch.nl Europe PayGate www.paygate.co.za Asia/Pacific, Europe, Middle East/Africa, North/Latin America 122

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PayLane is an online payments provider. We help online businesses accept various types of payments and integrate with their websites. Being a payment gateway and providing a merchant account for each client, PayLane is level 1 PCI DSS compliant and registered as Visa and MasterCard partner. PayLane UK Ltd. http://paylane.com Contact Mrs. Dominika Buszka, Sales Executive, dominika.buszka@paylane.com, +48 664 967 820 Europe Market segment(s) E-business MasterCard, Visa, Amex, JCB, Diners Maestro, Visa Electron, CarteBleue, CartaSi, Laser PayPal Direct Debits, Wire Transfer, ideal Services Fraud prevention (measures) Full risk management system including: CVV2, AVS, MaxMind (GeoIP), Blacklists, 3-D Secure Credit management (services) Other services Recurring billings, MOTO, Card Data Storage, Dynamic and static descriptors Technology Direct connections Batch processing Per order processing PayLeap www.payleap.com North/Latin America 124

Paylid www.paylid.com North/Latin America, Europe, Middle East/Africa, Asia/Pacific Paylife www.paylife.at Europe Paymate www.paymate.com US, Australia, New Zealand 125

Payment21 LLC is a payments technology company that connects consumers, e-commerce businesses and financial institutions across the globe, enabling them to use Instant echecks utilizing the ACH-network and the Check21-Act instead of cash and paper cheques. Payment21 LLC www.payment21.com Contact Mr. Beerli, Dir. BizDev, bizdev@payment21.com, 427 N. Tatnall St. # 42034 DE 19801-2230 Wilmington, DE, USA Tel: US +1-888-770-0850 and Europe +41-71-740-1629-1-1 Market segment(s) Services Fraud prevention (measures) Credit management (services) Other services Technology Direct connections Batch processing Per order processing North/Latin America Global internet merchants with U.S.-customers. All industries Upon request Upon request Upon request Upon request Upon request Instant echeck, ACH, check21 Bank transfers to most countries Fraud Protection uses a Customizable Verification Loop and a proprietary Mitigation Algorithm (pat.pend.) utilizing business rules and velocity limits dynamically. Upon request Print cheques only option. Representments. Guaranteed Payments. Identity Lock. Ebilling. Automated refund and return management. Managed Services. White Label. PayPlaza www.payplaza.com/pp/ Europe 126

Payment Network AG founded in 2005 established "sofortbanking/sofortüberweisung" as the leading online-based epayment system in Germany. More than 19.000 webmerchants use "sofortbanking" in 6 countries. Especially electronic-retailers with fraud problems by using other payment methods are customers of "sofortbanking" Payment Network AG www.sofort.com Contact Georg Schardt -CMO (phone +49 89 2020 889 511) Germany, Austria, Swizerland, Belgium, United Kingdom, The Netherlands Market segment(s) E-Commerce (Retail, Travel, Plattforms, PSP) OBeP (online based epayment) Paying by invoice Services Fraud prevention (measures) sofortbanking is a high secure payment method which is used mainly in fraud-intensive industries Credit management (services) Payment guarantee through our sister company Sofortbank Other services sofortident - a system for age verification Technology Direct connections Batch processing Per order processing Paypoint.net www.paypoint.net North/Latin America, Europe 127

PaymentOne www.paymentone.com North/Latin America Paynova www.paynova.com North/Latin America PAY.ON www.payon.com North/Latin America, Europe, Middle East/Africa, Asia/Pacific 128

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PAYONE GmbH & Co. KG is numbered among the leading payment service providers in Germany. By reason of its modular structure, PAYONE offers payment solutions that can be arranged according to the needs of its customers. Featuring processing of all national and international payments and outsourcing of monetary transactions (payments received, chargebacks, invoicing, dunning process and collection), the payment platform FinanceGate makes all processes fully automated. PAYONE is certified by PCI DSS and offers one-stop services through acceptance of credit cards, payment processes, risk management and consulting. Keywords PAYONE GmbH & Co. KG www.payone.de Online payment, ecommerce, risk & fraud management, recurring payments, business process outsourcing, reconciliation, accounts receivable management, claims management Contact Jan Sperber, Head of Sales; Email: sales@payone.de, phone: +49 (0)431-25968-400 Market segment(s) Europe Active since (year) 2002 Retail, digital content & services, gaming, travel, ticketing and more. Visa, MasterCard, American Express, Diners Club, JCB, Discover Maestro International, Maestro UK, Carte Bleue / Carte Bancaire, Carta Si, MisterCash/Bancontact, Laser Card, PostFinance Card, Visa and MasterCard debit cards (Visa Electron, Visa Debit, Dankort, Postepay and more) On request giropay; DIRECT ebanking / sofortüberweisung; eps, Austria; ideal, Netherlands; PostFinance E- Finance, Switzerland Connected companies (#) Companies PSP is connected to Settlement currencies (acquirers) Services Unique Selling Points Core services Pricing Collecting payments Distributing payments Fraud prevention (measures) Credit management (services) Other services Technology Direct connections Batch processing PayPal On request On request Direct debit, cash on delivery; cash in advance and payment on open account in several european countries Direct connections to more than 100 banks and acquirers in Europe (including nearly all German) and several connections to international, non-european banks and acquirers. Acquirers, banks, credit management services, fraud prevention services, ecommerce systems, logistic companies, debt collecting agencies. All currencies, which are supported by the acquirer or payment method PAYONE provides a fully automated 360 solution for all payment processes from a single source: from simple card processing to non-stop reconciliation to handling of all follow-up processes regarding your payment transactions fully automated and on a single platform. Payment processing; risk- & fraud management; recurring payments; accounts receivable management; claims management; invoicing; reporting; merchant accounts in cooperation with several acquirers; consulting For our current pricing, please contact our sales department, sales@payone.de Optional fraud risk management tool that dynamically checks each individual transaction against a set of security parameters: address checks, bank account and credit card checks, blacklists, credit checks & scoring, fraud-screening, 3D-Secure ( Verified by Visa & MasterCard SecureCode ), velocity check, geoip- and BIN-checks, call back by phone, debtor check In cooperation with third party providers like arvato infoscore (fully integrated) Recurring payments, accounts receivable management, invoicing, dunning 130

Per order processing Merchant pages (direct model) PSP pages (indirect model) Interfaces HTTP POST/ GET Security HTTPS, SSL, PCI DSS certified (Level 1) Payoneer www.payoneer.com North/Latin America, Europe, Middle East/Africa, Asia/Pacific PayPal www.paypal.com North/Latin America, Europe, Middle East/Africa, Asia/Pacific Paypoint.net www.paypoint.net North/Latin America, Europe 131

paysafecard, established in 2000, is the leading provider of prepaid online payment solutions. paysafecard operates across 29 countries and has a point of sale distribution network of 400,000 outlets. Shoppers buy a paysafecard voucher with cash and then enter the 16 digit pin code to make a purchase. paysafecard www.paysafecard.com Contact Mark Sperring, Senior PSP Channel Manager, m.sperring@paysafecard.com, +44 7786 925922 Market segment(s) Services Fraud prevention (measures) Credit management (services) Other services Technology Direct connections Batch processing Per order processing Europe, North / South / Central America Gambling, gaming, software downloads, social networking, dating, digital content N/A N/A paysafecard, Cash Ticket N/A Mobile / IVR / USSD N/A N/A paysafecard is a prepaid voucher using cash, shopper never shares card data of personal information. No chargeback danger for merchants. Safety for all parties Merchant is guaranteed payment with no threat of chargeback. Flexible settelemnt terms available. Connections to over 100 PSPs across Europe and the US, B2C marketing, Mastercard issuer, unique and frictionless mobile payment solution. N/A PaySimple www.paysimple.com North/Latin America 132

Payvision www.payvision.com Asia/Pacific, Europe, Middle East/Africa, North/Latin America PayXpert BV www.payxpert.com Europe, Latin America, North America, Middle East paythru www.paythru.com Asia/Pacific, Europe, North/Latin America 133

PayU www.payu.pl Europe Pivotal Payments www.pivotalpayments.com North/Latin America PBS www.pbs.dk Europe 134

Planet Payment www.planetpayment.com Europe, Latin America, North America, Asia Plastyc www.plastyc.com North/Latin America plimus www.plimus.com Asia/Pacific, Europe, Middle East/Africa, North/Latin America 135

Platnosci www.platnosci.pl Europe Postbank Transact www.postransact.com Europe PostFinance www.postfinance.ch/index.html.en Europe 136

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MicroBilt www.microbilt.com North/Latin America, Europe, Middle East/Africa, Asia/Pacific PlaySpan http://playspan.com Europe, North America, Latin America, Middle East/Africa, Asia/Pacific Prepaid Services www.prepaidservicescompany.com Europe 138

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Since 1989, ProgressSoft has been a leading provider of real-time payments and imaging solutions for the banking and financial sectors. Serving a diversified client base of 550 banks in 22 countries, the company offers solutions in the fields of Electronic Image-based Check Clearing, Mobile Payment, ACH Payment and Intelligent Signature Recognition. Keywords Contact ProgressSoft Corporation www.progressoft,.com ProgressSoft, Electronic Check Clearing, Mobile Payments, Automated Clearing House, Direct Debit, Direct Credit, Automated Signature Verification Mr. Michael Wakileh CEO, Tel: +962 6 56 23 000, Email: mike.wakileh@progressoft.com Mr. Ali Fada CTO, Tel: +962 6 56 23 000, Email: ali.fada@progressoft.com Market segment(s) Middle East/Africa/South Asia Retail (software) Active since (year) 1989 N/A N/A N/A N/A N/A N/A N/A Bank Transfer Services Unique Selling Points Core services Pricing Collecting payments Distributing payments Fraud prevention (measures) Fraud prevention partners Credit management (services) Other services Third Parties Technology Direct connections Batch processing Per order processing Interfaces Security 22 Years of Experience in Payment Solutions. Provider of unprecedented solutions, such as the World-first Electronic Image-based Check Clearing Solution. Accumulated expertise in working with various banking environments and smoothly integrating with numerous heterogeneous systems. Ability to engage in nationwide scope projects, elevating payment platforms of all banks in one country with robust solutions that operate with 0 downtime. Electronic Image-based Check Clearing, Automated Clearing House (Direct Debit/Direct Credit), Mobile Payments, Automated Signature Verification. N/A Signature Verification on Checks and any other Financial Documents N/A N/A N/A N/A Web Services, SOAP, XML, Message Queues and TCP HTTPS, SSL, PKI, Digital Certificates and Digital Signatures 140

Point Group is a leading provider of electronic payment solutions in Europe. Point group helps customers in the Nordic, Baltic, France and the UK to deliver more efficient sales of merchandise and services through the provision of innovative and secure electronic payment solutions. Every day, more than 10 million secure card transactions are handled through Point solutions. Customers range from large high street retail names to small independent retailers as well as e-commerce sites. Point www.pointinternational.com Contact Corporate Information - Lena Eklund, lena.eklund@point.se, +46 70 392 64 94 Europe Market segment(s) ProPay www.propay.com North/Latin America, Europe, Middle East/Africa, Asia/Pacific Pure Commerce www.pure-commerce.com North/Latin America, Europe, Middle East/Africa, Asia/Pacific 141

Quadrant www.quadrant.com North/Latin America, Europe, Middle East/Africa, Asia/Pacific Wirecard CEE (formerly Qenta) www.wirecard.at/en/home.html Europe 142

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QIWI is the most demanded payment method in Russia. Problem: Russia is a cash based country, only 5% of all issued cards are used for retail transactions. Solution: QIWI cash collecting network (180,000+ cash acceptance points, including 120,000+ selfservice kiosks in all regions of Russia and other CIS states) and QIWI Wallet alternative payment system. QIWI is a payment system, e-wallet, bank and media platform. Facts and figures: 3500+ merchants, 85 mln. monthly users, USD 13 bln of payments and 3.6 bln of transactions per year. Keywords Contact Market segment(s) QIWI Wallet www.qiwi.ru Payment, alternative, cash, e-wallet, e-commerce, e-invoice, m-commerce, Russia Mr. Yuri Demidovich, Senior Vice President; e-mail: psp@qiwi.com Leading in: Russia, Ukraine, Georgia, Belarus, Moldova, Kazakhstan. Also in: China, Vietnam, Malaysia, Bulgaria, Romania, Serbia, Tajikistan, Argentina, Colombia, Panama, South Africa, India, Latvia Mobile, internet, telecom, TV, utility, loan payments, P2P, ticketing, software, games, e-commerce, hosting, advertising, social networks, MLM, governmental, insurance, pension funds Active since (year) 2004 Connected companies (#) Companies PSP is connected to Settlement currencies (acquirers) Visa, MasterCard Visa Electron, MasterCard Maestro QIWI Visa Virtual By 10 leading retail banks of Russia QIWI Wallet (37 mln. accounts) 4 major Russian MNOs (90% of all mobile users) M-commerce (prepaid MNOs accounts) 120k self-service cash payment kiosks in all cities & towns of Russia (shops, stations, public areas), 60k cash collecting points 150 banks; 10,000 QIWI franchisees (kiosk owners); 7,000 mobile shops by 6 retail networks 3,500 payees, 1,500 e-commerce websites RUB, USD, EUR, GBP, CNY Services Unique Selling Points Core services Pricing Collecting payments Distributing payments Fraud prevention (measures) Fraud prevention partners Credit management (services) Other services Third Parties Most popular method in Russia is to pay in cash via more than 180k payment collection points. Among 3500 of merchants QIWI work with: mobile operators, Internet and TV providers, housing and utilities, public institutions, I-shops, e-wallets, online games, airlines and railway companies, insurance, MLM, banks and many others. QIWI also provides money transfers, virtual Visa cards and gift cards, press subscription, lotteries, transport tickets, microfinance. QIWI is available through various interfaces terminals, web, mobile applications, SMS commands, social network s applications. QIWI allows its users to pay for goods and services with wide range of payment methods cash, personal QIWI account, bank cards, mobile commerce, social network s currencies, bank account, PayPal and other e-wallets. direct top-up, e-invoicing, cash payment collection, alternative channels of payment On request Internal fraud protection systems: limits, blacklists, timing; notification/confirmation by SMS/voice; CVV/CVC, 3-D Secure Integrum, CredInform, Bureau van Dijk; Partnership banks (including Raiffeisenbank, Alfa-Bank, Citibank, Banque Société Générale Vostok etc.) Online microcredit Advertising on the kiosk network, IP callback, lottery In-house development 144

Technology Direct connections Batch processing Per order processing Merchant pages (direct model) PSP pages (indirect model) Interfaces Security XML, web services, ISO 8583; UI: kiosk embedded, web, widgets, mobile apps, SMS, USSD, PC app, ATM, POS terminal HTTPS, SSL, PKI, digital signature, CVV/CVC, 3DS, etoken Rabobank www.rabobank.nl search for online kassa s Netherlands Rahaxi www.rahaxi.com North/Latin America, Europe, Middle East/Africa, Asia/Pacific 145

Ratepay www.ratepay.com Germany Realex Payments www.realexpayments.co.uk Europe Recurly www.recurly.com North/Latin America, Europe 146

Redecard www.redecard.com.br North/Latin America RentPayment www.rentpayment.com Europe Revo Payments www.revopayments.com US 147

RevolutionMoney www.revolutionmoney.com North/Latin America Rixty www.rixty.com North/Latin America Rocketpay www.rocketpay.com North/Latin America 148

Rollcomm Worldwide www.rollcomm.com Europe, Middle East/Africa, Asia/Pacific SafetyPay www.safetypay.com Europe, North/Latin America SecureNet www.securenet.com North/Latin America 149

Sentegra www.sentegra.com Europe Sepay www.sepay.nl Europe 150

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With a decade of experience in the e-commerce industry, SafeCharge combines financial expertise and technological know-how to deliver a complete set of global payment methods together with a powerful fraud prevention system. Designed and customized to suit the unique processing needs of e-commerce merchants, SafeCharge's payment solution provides maximum sales conversion with a fully-integrated risk management platform that accurately recognizes and minimizes potential online risks, while at the same time increasing profits. Keywords Contact Market segment(s) Active since (year) 2000 Companies PSP is connected to Settlement currencies (acquirers) Services Unique Selling Points Core services Pricing Collecting payments Distributing payments Fraud prevention (measures) Fraud prevention partners Credit management (services) Other services Third Parties Technology Direct connections Batch processing Per order processing Safecharge www.safecharge.com Payment gateway, online payment solutions, merchant accounts, international credit card processing, online card payment, fraud protection, risk management Sales Team at +44 20 3051 3031 or sales@safecharge.com North/Latin America, Europe, Middle East/Africa, Asia/Pacific e-commerce, Retail (apparel, electronics, software), Travel, Gaming, Gambling, Forex, Auction, games, software, digital services Visa, MasterCard, American Express, Diners Club, JCB, Discover, Union Pay, Delta, Bleue, Carta Si, Euro 6000, Aurore Invitations, Laser, DK Solo, Switch, Maestro UK, Maestro toditocash, Neosurf, Bancontact Mister Cash, MB, Ticket Premium, teleingresso Direct debits, in Europe Clickandbuy, PayPal, Dineromail, Abaqoo, Instadebit, epay.bg, ewire, Moneta.au, cashu, Webmoney 90 countries covered BPay, Sofort, teleingreso, Sporopay, EPS, Euteller, Giropay, Poli, WebMoney, Przelewy24, Gluepay, ideal, Transferencia, UseMy Bank, la Caixa, bank axess, Bank Link, Int Direct Debit SafeCharge offers offline bank transfers. The end user prints a voucher and pays at his bank, which then wires the funds to the merchant's bank account. Worldpay, Barclays, AIB, Elavon, PayPal, AMEX USD, CAF, CHF, ZAR, AUD, JPY, SGD, HKD, EUR, GBP, SEK, NOK, DKK Best of breed payment processing and risk management solution for large, ecommerce businesses Global payment processing, fraud management Competitive SafeCharge s comprehensive fraud detection solution is a web-based ruling system developed by expert industry professionals. Combining sophisticated algorithms with historical transaction data, the system's self-learning database identifies subtle patterns in buying habits and characteristics of online fraud perpetrators, aiding the SafeCharge risk management team s decision making. Enhanced verification methods allow merchants to customize their transaction rules and define their report tools according to specific parameters. 192.com, Arcot, Quova, Cybersource Purchase on credit, payment guarantee Name on card check, AVS check, 3D secure, CVV2 check, fingerprint Cybersource, Quava, Arcot 152

Merchant pages (direct model) PSP pages (indirect model) Interfaces Security Web services, SOAP, XML, HTTP(s) GET/POST, HTTP(s) redirect HTTPS, SSL From credit and debit cards to online bank transfers, DCC and PayPal, SecureTrading enable you to accept payments online easily, reliably and securely. Our independence means we work with a range of acquirers worldwide, so from Retail to Education, Gaming to Ticketing, we have the solutions for your business Keywords SecureTrading Ltd www.securetrading.com merchant, payment, gateway, credit, debit, account, online, cards Contact Mr Tim Allitt, Head of Sales & Marketing, sales@securetrading.com, +44 (0) 333 240 6000 Market segment(s) North America & Europe Adult, Auction, Gambling, Gaming, Retail, Travel, Other Active since (year) 1998 Services Unique Selling Points Core services Pricing Fraud prevention (measures) Credit management (services) Other services Third Parties Technology Direct connections Batch processing Per transaction processing Amex, JCB, MasterCard, Visa CarteBleue, Maestro, Debit MasterCard, Visa Debit All Visa and MasterCard branded cards Sofortuberweisung, GiroPay, ideal PayPal Various mobile solutions. Gateway works in IVR environment Ukash, Ikano, GE Money 100% uptime guarantee on SecureTrading API 99.97% average uptime on both SecureTrading Payment Pages and API since 2008 98% of our merchants rated us as good or above with 87% as Very Good or Excellent. Direct Line Customer Support - no complicated menus or IVRs. Complete solution, including Merchant Account Online payment processing, fraud prevention solutions Pricing is flexible and is based on transaction volumes and average transaction values Identity Check, Fraud score, card checks such as BIN range look-ups, CVV2 and AVS, velocity checks, quarantine system and 3-D Secure with all acquirers. N/A SecureTrading Merchant Account Service, SecureTrading DCC, SecureTrading Card Store (Tokenisation), SecureTrading Payroll Service Baker Tilly, 192.com, Maxmind, Revas 153

SIBS http://www.sibs.pt Europe SIX Pay is a leading international provider of cashless payment solutions. We market innovative value-added services for the benefit of merchants. Our e-payment solution Saferpay enables the secure online processing of ecommerce and phone-mail-orders. What s more, Saferpay integrates all popular payment means in your web shop through a single interface flexibly, easily & securely! SIX Pay SA www.saferpay.com Contact Saferpay Sales Team, sales@saferpay.com, +49 40 325 967 260 Market segment(s) Domestic Markets: Switzerland & Germany internationaly available e-tailer, distance selling traders, CallCenter Visa, MasterCard, Diners Club, Discover, JCB, American Express Vpay, Maestro giropay, Postfinance E-Finance, ideal, eps mpass PayPal, ClickandBuy, Billpay, Postfinance Card, Bonus Card, myone Services Fraud prevention (measures) Credit management (services) Other services Technology Direct connections Batch processing Per order processing Saferpay Risk Management: Identification of countries for IP addresses, Identification of countries from which credit cards are issued, Limitation of the frequency of IP address usage, Limitation of the frequency of payment link usage, Blacklist administration, IP address white list 3-D Secure: Verified by Visa and MasterCard Secure Code; Payment Card Industry Data Security Standard (PCI DSS) certified Saferpay Secure Card Data: Storage of sensitive credit card details in the secure Saferpay enviroment. 154

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Skrill operates one of the largest Digital Wallets in the world with more than 20 million registered customers and 30bn in transaction volume. In addition to that Skrill provides a direct payment processing service for credit cards and more than 100 local payment options available through different interfaces (webservice/xml, iframe, virtual terminal). Keywords Contact Market segment(s) Active since (year) 2001 Connected companies (#) Companies PSP is connected to Settlement currencies (acquirers) Services Unique Selling Points Skrill Holdings (Moneybookers) www.skrill.com PSP, online payment, digital goods, prepaid, virtual currency, accept payments Ralf Wenzel, COO, Ralf.Wenzel@skrill.com North/Latin America, Europe, Middle East/Africa, Asia/Pacific Auction, Gaming, Digital Goods, Retail, Travel, Shop Solutions, Othe Amex, JCB, MasterCard, VisaVisa, MasterCard, American Express, JCB, Diners Club Visa Electron, Visa Debit, Maestro, 4B, Carte Bleue, Dankort, Laser, CartaSi, PostePay, Euro6000, Solo Card Moneybookers MasterCard Pre-Paid Card Available in 42 countries Skrill Digital Wallet SMS Payment Notifications, further mobile payment options being integrated Online Bank Transfer (instantaneously), EPS, DIRECTebanking, epay.bg, Nordea, EC, Giropay, Sofortueberweisung, mbank, Inteligo, Pekao S.A., Netelis, enets, Poli and many more Bank accounts and bank transfer service with 80 local banking partners Several local credit card acquirers and local PSPs Several local credit card acquirers and local PSPs AUD, BHD, GBP, BGN, CAD, HRK, CZK, DKK, HKD, HUF, ISK, INR, ILS, JPY, JOD, KWD, LVL, LTL, MYR, TRY, NZD, NOK, OMR, PLN, QAR, RON, SAR, RSD, SGD, ZAR, KRW, SEK, CHF, TWD, THB, TND, USD, AED One contract, one integration instant settlement of over 100 payment options worldwide, including full chargeback protection Core services Pricing Collecting payments Distributing payments Fraud prevention (measures) Fraud prevention partners Other services Technology Direct connections Batch processing Per order processing Merchant pages (direct model) PSP pages (indirect model) Interfaces Security Enabling payment processing, risk and anti-fraud management, marketing to over 19 million digital Wallet users Contact merchantservices@moneybookers.com Velocities, Scoring, AF rules, etc. Chargeback protection available Not disclosed Processing in more than 100 different currencies, instant settlement in 42 different currencies Web services, SOAP, XML, https HTTPS, SSL+, PCI Lvl 1 compliant 156

Smart2Pay is a Payment Service Provider offering alternative, non-reversible online payment methods (online bank transfer, wallets, vouchers, mobile payments, cards) covering more than 69 countries. Regular bank transfer is also supported in over 25 countries. We are a one stop shop for leading Merchants selling over the internet globally. Keywords Contact Market segment(s) Active since (year) 2002 Connected companies Companies PSP is connected to Settlement currencies (acquirers) Services Unique Selling Points Core services Pricing Collecting payments Distributing payments Fraud prevention (measures) Fraud prevention partners Other services Third Parties Technology Direct connections Batch processing Per order processing Merchant pages (direct model) PSP pages (indirect model) Interfaces Security Smart2Pay www.smart2pay.com PSP, online payments, alternative payments, guaranteed James Flinterman - CEO, james@smart2pay.com; Andre Boesing - Business development, andre@smart2pay.com Asia/Pacific, North/Latin America, Europe, Middle East/Africa Airline, Travel, Retail, General E-commerce, Gaming Amex, JCB, MasterCard, Visa, Diners, Sorocred, Aura, Hipercard CarteBleue, Maestro, Visa Electron, Discover OneCard, Ukash, CashU, PaySafeCard, ToditoCash, Gash currently we cover over 25 different countries Boku, Mozca, Pagtotal, Mobile Money, Gcash 156 payment methods in over 69 countries Bank Transfer in more than 30 countries #35 Acquirers Various Various Largest payment portfolio of alternative methods worldwide, flexible offering according to merchant s needs, in-house IT allows for customized solutions on-the-fly, licensed as Payment Institution (EU-Dutch Central Bank) Online payment processing Pricing is negotiated on a case by case basis Complex fraud prevention mechanisms are in place Please contact us for detailed information Please contact us for detailed information Please contact us for detailed information Web services, SOAP, XML HTTPS, SSL+, hash strings, inhouse developed tools 157

Social Gold/Jambool www.jambool.com North/Latin America, Europe, Middle East/Africa, Asia/Pacific Sterling Commerce www.sterlingcommerce.com North/Latin America, Europe, Middle East/Africa, Asia/Pacific Streamline www.streamline.com Europe 158

Tarang Software Technologies http://www.tarangtech.com/ India, US NFC,Contactless Telecash www.telecash.de Europe TimesofMoney www.timesofmoney.com India 159

The Logic Group partners with leading organisations to enhance the effectiveness, security and profitability of their customer interactions. We focus on the secure management of information and transactions delivering improved customer insight and loyalty, trusted card processing and payment environments coupled with flexible IT infrastructures across all points of interaction. The Logic Group www.the-logic-group.com / www.the-logic-group.es / Contact Mr. Mark Kusionowicz, Marketing Director, mark.kusionowicz@the-logic-group.com, tel:+44 (0) 1252 776 700 Market segment(s) Services Fraud prevention (measures) Credit management (services) Other services Technology Direct connections Batch processing Per order processing Europe Financial Services; Fuel, Utilities and Energy; Hospitality; Leisure and Entertainment; Retail; Transport and Communications All major credit cards including Visa, MasterCard, American Express, Diners International debit cards such as Maestro International, Visa Debit and Electron Paypal Hosted mobile payment pages and IVR transactions Envoy Retail Decisions (ReD), Experian, SysRepublic Fulfillment, Card mailing, Rewards, Gift cards solutions, Consultancy services, Loyalty schemes, Security Technology, Business Intelligence Secure Paytech www.securepaytech.com Europe 160

Thai Epay www.thaiepay.com Asia TSYS www.tsys.com North/Latin America, Europe, Middle East/Africa, Asia/Pacific Transaction Network Services (TNS) www.tns.com North/Latin America, Europe, Middle East/Africa, Asia/Pacific 161

Transecute www.transecute.com Asia/Pacific TransUnion www.transunion.com North/Latin America, Europe, Middle East/Africa, Asia/Pacific Travelex www.travelex.com North/Latin America, Europe, Middle East/Africa, Asia/Pacific 162

TWYP www.twyp.nl The Netherlands, Belgium, Germany, Luxembourg, Poland, Romania UATP www.uatp.com North/Latin America, Europe, Asia/Pacific Ukash www.ukash.com/global/en/home.aspx North/Latin America, Europe, Asia/Pacific 163

UnifiedPost www.unifiedpost.com Europe UseMyServices www.usemyservices.com Europe, North/Latin America Veracity www.veracity.com North/Latin America 164

Valitor is a European acquirer, established in 1983, that offers swift and secure merchant acquiring and issuing services. Valitor main focus is to provide fast and high-quality services for their partners. A combination of trust, leadership and entrepreneurial spirit is the heart of Valitor's progressive approach. Valitor is always on the lookout for fruitful partnerships. Valitor www.valitor.com Contact Business Relations Team, sales@valitor.com, +354 525 2290 Market segment(s) Services Fraud prevention (measures) Credit management (services) Other services Technology Direct connections Batch processing Per order processing Europe Online Retail, Financial Services, Savings & Insurance services, Digital Services, Ticketing, Travel & Entertainment, Skill Gaming MasterCard, Visa Maestro, Visa Electron Back Office system, online management tools, Multi currency acquiring system Verifone www.verifone.com North/Latin America, Europe, Middle East/Africa, Asia/Pacific 165

Verotel www.verotel.com North/Latin America, Europe Vincento Payment Solutions http://www.vincento.co.uk/ Europe 166

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Finnish Web Payments Plc is the leading online payment service provider in Finland. We co-operate with banks and other financing institutions as well as software service providers enabling more efficient payment transfers online. Our Payment service offers a straightforward solution for companies and organizations for accepting all Finnish payment options with a single contract. Keywords Finnish Web Payments Plc (Suomen Verkkomaksut Oyj) www.webpayments.fi Fin-FSA licensed payment service provider, settlements in SEPA area, direct debit, online payments, credit cards, ebanking, invoicing and installment payments Contact info@webpayments.fi, Tel. + 358 207 181 830 Market segment(s) Active since (year) 2007 Northern Europe and Scandinavia. Customers in UK, Germany, France, Sweden, Finland, Lithuania, Latvia, Estonia. All companies from Global 2000 to smallest merchants and non-profits. Physical and intangible goods, digital content, travel, tickets, subscriptions, services, software licenses, games, membership fees, non-profits, recurring payments. Visa, MasterCard, Eurocard. American Express (Amex) and Diners via PayPal Visa Electron, Maestro All Finnish banks: Nordea, OP-Pohjola (Osuuspankki), Sampo Pankki (Danske Bank), Handelsbanken, Tapiola, Paikallisosuuspankki (POP), Ålandsbanken, Aktia, Säästöpankki, Nooa Säästöpankki, S-Pankki. PayPal PayPal, Klarna, Collector and Joustoraha invoice and installment payment services, NetPosti e- invoicing. Connected companies (#) Companies PSP is connected to Settlement currencies (acquirers) Services Unique Selling Points Core services Pricing Collecting payments Distributing payments Fraud prevention (measures) Credit management (services) Other services Third Parties From NetPosti to mail connection About 300 e-commerce platform service provider partners, 20 payment method provider partners and 10 distribution partners across Europe All payment method providers in Finland EUR. Settlements allowed to non-eur accounts, too. Only licensed all inclusive PSP for selling to Finland. All Finnish payment methods with a single contract. Affordable monthly fee based pricing (no percentage paid). Collection, settlements and reconciliation included to any bank account in SEPA area. 100% payment guarantee. Over 90% conversion rate. Hosted, embedded or fully integrated payment page Online payment processing, merchant account, collection, settlements, reconciliation, automated accounting reports, fraud prevention, cross border transactions Monthly fee 89 + flat transaction fee. Merchant account is included in monthly fee. No opening or setup fee, no percentages. For detailed pricing, visit: www.webpayments.fi Yes, collecting and daily settlements are included in the monthly fee. Yes, split payments and settlements are supported to multiple merchants. Fully automated risk analysis and control platform with over 100 checks included in the monthly fee. Anti Money Laundering (AML) measures, IP geolocation, credit scoring, address verification, VISA CVV2 and MasterCard CVC2, Verified by VISA, MasterCard SecureCode, blacklisting, TUPAS, statistical transaction analysis and much more Payment guarantee, invoicing and installment payments (consumer credit service) Collection, settlements and reconciliation with any tax rate included. Fraud prevention. Customer service for merchants and consumers is available in English, Swedish and Finnish. Direct connection to any payment method available with seller s own merchant account. Compliant industry solutions: Amadeus, Hotellinx; shop software connections: IBM WebSphere, Magento, epages, oscommerce, VirtueMart, ÜberCart/Drupal, Typo3, Wordpress, Workspace, ZenCart, PrestaShop, MyCashFlow, CloverShop and over 100 other e-commerce platforms (that we know of). Open API for easy integration to any software; easy integration to almost any ERP or accounting system (incl. SAP) possible with automated XML reports. 168

Technology Direct connections Batch processing Per order processing Merchant pages (direct model) PSP pages (indirect model) Interfaces Security Yes, possibility to use own contracts with acquirers or banks. Yes, in recurring payments. Yes, either hosted embedded payment page or fully integrated one. HTTPS Post, ASP, -NET, PHP, Java, C, Ruby on Rails, Web services, SOAP, XML, Hosted Embedded Widget, Hosted Page. HTTPS, TLS/SSL, PKI. Visa www.corporate.visa.com/index.shtml North/Latin America, Europe, Middle East/Africa, Asia/Pacific WebMoney Transfer www.webmoney.ru; www.wmtransfer.com Russia, CIS, Eastern Europe, Europe, South-East Asia, Latin America Languages: Russian, English, Spanish, German 169

Wells Fargo www.wellsfargo.com North/Latin America, Europe, Middle East/Africa, Asia/Pacific WePay www.wepay.com North/Latin America Wirecard AG is one of the leading international providers of electronic payment, risk management solutions and banking services. Wirecard Bank is a member of Visa, MasterCard, JCB, Discover/ Diners and Unionpay and operates as a credit card acquirer in 69 countries around the world. Wirecard AG is listed on the Frankfurt Securities Exchange (TecDAX, ISIN DE0007472060, WDI). Keywords Wirecard AG www.wirecard.com/ Contact sales@wirecard.com, +49 89 4424 1400 Market segment(s) Active since (year) 1999 online payment, ecommerce, risk management, acquiring, issuing, credit cards, online banking, alternative payment methods Europe, Middle East, Asia Pacific, North America Airline/Travel, Consumer Goods, Digital Goods 170

Wirecard AG Visa, MasterCard, American Express, Diners Club, Discover, JCB, UATP, AirPlus, China Unionpay Maestro (Switch/Solo, Maestro UK and Maestro International), CartaSi, Visa and MasterCard debit cards (Visa Electron, Carte Bleue, Carte Bancaire, Dankort, PostePay amongst other) paysafecard, cashticket, mywirecard 2go Visa, mywirecard MasterCard, Ukash giropay, EPS, ideal, sofortüberweisung, SWIFT, SEPA-Lastschrift, SEPA-Überweisung, maybank2u, CIMB clicks, MisterCash/Bancomat, Debitor Bradesco, Przelewy24 (PL24), POLi, ebanka, GluePay PayPal, Moneybookers, WebMoney, @QUICK, moneta.ru, Alipay paybox, PremiumSMS invoice, cash in advance, EPS, ideal, giropay, sofort berweisung, PayPal, QUICK, Alipay Connected companies (#) Companies PSP is connected to Settlement currencies (acquirers) Services Unique Selling Points Core services Pricing Collecting payments Distributing payments Fraud prevention (measures) Fraud prevention partners Credit management (services) Other services Technology Direct connections Batch processing Per order processing Merchant pages (direct model) PSP pages (indirect model) Interfaces Security National Direct Debit (9 countries), bank transfers, EBICS, SWIFT, SEPA Direct Debit, SEPA Credit, Pago Facil, Boleto Bancário, Cash payments (7 countries), SmartMoney Wirecard Bank AG (Acquirer), Wirecard Retail Services GmbH (PoS), Wirecard Communication Service GmbH (Call Center) > 200 aquiring banks worldwide all relevant transaction and settlement currencies Unique combination of software technology and bank products, international orientation: single platform for all services, centralization of payment transactions across distribution and procurement channels to a single platform, depth and range of services (industry and customer-specific products and solutions), online-oriented acquiring bank, supporting banking services (corporate accounts, foreign currency management), software-based banking products (procurement cards, virtual credit cards, payout cards, co-branded cards) Payment Processing Services (covering all distribution channels like Internet, Mail/Telephone Order, Point of Sale), extended industry-specific integration options (Virtual Terminals, Hosted Payment Page, Real-Time Processing API, Batch Processing), Risk Management and Fraud Protection Services, Financial Services (Acquiring, Banking, Currency Management, Issuing) Flexible pricing models Full risk management system including: Data Analytics, Automated Pattern Detection, Case Management, 3D Secure, CUP-Secure, CVC Verification, AVS, IP/BIN Verification, Velocity Checks, Black- & Whitelists, Account Validation, Account Scoring, Device Fingerprinting, Credit Status Check Interfaces to various 3rd party data providers (Experian, Quova and others) factoring, payment guarantee Strategy Management & Decisioning Solutions, Consumer Identification & Credit Rating (Integration to various credit agencies), Point-of-Sale Payment Processing and Acquiring, Call center services (stationary, virtual and hybrid), Issuing bank: Wirecard Bank provides co-branded prepaid cards (Visa and MasterCard), Payout cards, Virtual Card Supplier Payout Solution REST, SOAP, HTTPS/XML, ISO8583, various batch file formats HTTPS, SSL+, sftp, PGP encryption 171

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Tried and trusted by thousands of businesses all over the world, the WorldPay service supports the complex payment processing requirements of the largest enterprises. Accepting and reconciling the widest ranges of international and country-specific payment methods accepted through any one gateway, we process millions of payments every day safely and securely. Keywords WorldPay www.worldpay.com PSP, merchant services, acquiring, payment, multi currency, international, cross border, alternative payments, fraud risk management Contact +44 (0)845 301 6251 Local numbers available on www.worldpay.com Market segment(s) Europe, North America, Asia/Pacific All segments domestic and international Active since (year) 1993 Connected companies (#) Companies PSP is connected to Settlement currencies (acquirers) Visa (incl. VbV), MasterCard (incl. MCSC), American Express, Diners, JCB, Carte Bancaire, Maestro/Switch, Laser, Discover, Dankort Maestro, ELV, Laser, Debit MasterCard Webmoney, Intercash, Paysafecard, Neosurf, Astropaycard, ideal, GiroPay, Sofort Poli, Euroteller, EPS, Nordea, Swedbank, Bank Austria, Raiffeisen Zentral Bank, Erste Bank PayPal, CASHU, AliPay, Mazooma, Moneybookers, Moneta, ewire, epay Paypal, Boku, Paybox Direct Debit Netherlands and Spain, US ACH, ELV Bank Transfer, Cheque, Cash on Delivery 50+ Acquirers 50+ major acquirers and banks world-wide Australian Dollar, Canadian Dollar, Danish Krone, Euro, Hong Kong Dollar, Japanese Yen, New Zealand Dollar, Norwegian Krone, Singapore Dollar, South African Rand, Swedish Krona, Swiss Franc, Sterling, US Dollar Services Unique Selling Points Core services Pricing Collecting payments Distributing payments Fraud prevention (measures) Fraud prevention partners Credit management (services) Other services Third Parties Expertise: Decades of experience helping multi-national companies expand internationally. Capacity: High capacity/tps option for peak load processing. Risk management: Tools for fraud detection and prevention with consultancy services for analysis, design and optimisation. Identity and eligibility management: International age and identification services built-in. Multi-channel: Internet, telephone and mail order, face-to-face. Payment gateway, acquiring, foreign exchange, alternative payments and fraud risk management Based on requirements and volumes. Visit www.worldpay.com for further information Tiered risk management services to suit including: Risk management experts to analyse your business and design appropriate fraud strategies, tactics systems and procedures; Screening systems to automate detection and prevention; Age and identity checking; Industry specific checks (for example airlines and hotels); Data sharing to ensure fraudulent activity across merchant and sectors; Proven track record reducing fraud for large enterprises. 192.com, Ethoca Full Range FX services, Corporate Global Banking, Cash & Liquidity Management, Acquiring/Merchant Services ExampleCredit, ExampleUnion Technology 174

Direct connections Batch processing Per order processing Merchant & PSP pages Interfaces Security HTML, XML (specs on request), numerous shopping carts, increasing numbers of CRM systems HTTPS, SSL+, PCI DSS Compliant Yandex.Money money.yandex.ru Russia YeePay www.yeepay.com China YESpay www.yes-pay.com North/Latin America, Europe 175

Youlayaway www.youlayaway.com North/South America Zeus Research www.zeusresearch.com North/South America Zong www.zong.com North/Latin America, Europe, Middle East/Africa, Asia/Pacific 176

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