PSP Buyer's Guide 2010

PSP BUYER‘S GUIDE 2010 INSIGHTS IN THE WORLDWIDE ONLINE PSP MARKET

OVER 250 PSPs WORLDWIDE INSIDE

‘A solid reference for web merchants and payment professionals, both visually appealing and deeply informative’ Chiel Liezenberg, Partner Innopay

PSP BUYER‘S GUIDE 2010

PSP BUYER‘S GUIDE 2010 INSIGHTS IN THE WORLDWIDE ONLINE PSP MARKET

Authors The Paypers Monica Gaza, Adriana Screpnic, Edith Toth

PSP BUYER‘S GUIDE 2010

3 INTRODUCTION

You are reading the PSP Buyer‘s Guide 2010, the most complete and up-to-date reference source for online PSP-related information at global level.

The PSP Buyer‘s Guide 2010 provides state-of-the-art information on over 250 online Payment Service Providers (PSPs) all over the world. Think of it as the ultimate information gateway on online payment services providers worldwide – a reliable, well-documented initiative designed to function as a one-stop-shop for a wealth of information concerning PSPs. Whether your purpose is to select the one payment services provider that best suits your needs, compare two PSPs in order to make an informed choice or simply stay up to date with the latest market capabilities in the field, the PSP Buyer‘s Guide 2010 offers everything you need – and then some more!

The industry need for a centralized source of information on payment services providers became apparent by the huge amount of interest generated by the comprehensive and ever expanding PSP listings, which we started as part of our ‗Online payments 20xx‘ reports. From some 20 (mainly) European online PSPs, The Paypers have now taken this list to a whole new level with their initiative. The result is this PSP Buyer‘s Guide 2010 - a greatly improved and expanded version, conceived as an independent project and ideally positioned to consolidate the wealth of data provided by all listed companies and make it available to the global market.

The market for e-commerce is rapidly evolving and intensely competitive worldwide and the potential for continued expansion in this sector is vast. Many different payment systems have emerged for online merchants. E-commerce payment systems include traditional credit/debit cards, but also other technologies, such as digital wallets, e-cash, mobile payment and e-checks. Another form of payment system is allowing a third-party company to complete the online transaction. These companies are called Payment Service Providers (PSP). A PSP provides online merchants with services for accepting electronic payments by a variety of payment methods, specifically tailored for the merchant`s business needs. Each PSP has its own fraud protection measures, charges its own costs, offers a specific list of payment options and provides access to a certain e- commerce instruments. Some PSPs are specific to a certain country and some are global.

The development of alternative payment methods has been interpreted by industry observers as a response to the drawbacks associated with a credit card transaction. Lower credit limits, higher fees, greater perceived security, interest rate growths and debt-related fears are among the main factors which shifted online consumers' attention towards these alternatives. In some regions, especially in the US, less costly alternative (non-credit card) payment methods such as PayPal, Google Checkout and Bill Me Later are gaining significant market share previously enjoyed by various players in the credit card industry. According to Javelin, non-card based payments accounted for around 10% of the estimated USD148 billion US consumer online shopping market in 2008. Bank-issued credit cards accounted for 55%, debit cards 27%, retailer- issued store cards 4%, and prepaid/gift cards 4%, the Javelin report suggests. In the US, internet- based financial services no longer constitute a novelty, accessible only to high-end tech-savvy consumers, but are moving to become a well-established financial reality. According to the "Internet PIN Debit: Aligning the Needs of Merchants, FIs and Consumers for Online Payments" white paper released by Javelin Strategy & Research, online credit card retail purchase volume is expected to

PSP BUYER‘S GUIDE 2010

register a decline in its growth rate by 2013. As a result, the percentage of online payments conducted via credit cards is to drop to 40 percent in 2013, compared to 59 percent in 2007 and 55 percent in 2008. On the other hand, the share of online purchases made via other payment methods is set to grow by 2013, the same source indicates. In Europe, the ways in which consumers pay for goods online are still varied. In The Netherlands, iDEAL ranks highest in the top of the most popular online payment systems, with 44 percent of online shoppers preferring this payment method to any other option. In 2009, the Dutch online payment service has witnessed a growth of 63 percent in the number of transactions to 45 million, as compared to 28 million registered in the previous year. Germans prefer direct debit method ELV, Danes pay with their debit card, the French by credit card and Eastern Europeans prefer cash-on- delivery. For more detailed information see our 'Online payments 2010' report, free to download at www.innopay.com/publications

But while e-commerce may be on the rise, online markets, both globally and in the EU, are still separated by multiple barriers. Some of the barriers to cross-border commerce seem to result from regulatory differences, a lack of shipping options or the non-availability of a certain payment methods rather than ‗simple‘ language-related issues. In this context, and because of increasing competitive pressures, payment providers need to constantly re-examine the basis on which they deliver customer propositions. After all, the merchant‘s online business depends on the service and reliability they provide.

For a PSP, understanding the nature of this game and positioning for success is becoming increasingly critical for survival.

The PSP Buyer‘s Guide 2010 is firmly anchored in the most recent developments on the global online PSP market and provides a much-needed central resource indicative of both evolving trends and global market developments. In a constantly changing world, it is positioned as a solid reference point for web merchants and payment professionals, a handbook both visually appealing and deeply informative. A valuable companion to be kept at hand at all times.

Chiel Liezenberg Partner, Innopay

www.innopay.com

PSP BUYER‘S GUIDE 2010

Company 2Checkout.com Website www.2checkout.com/community/ Geographical presence Europe, North/Latin America Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline ≈

Company 2pay Website 2pay.us.com/ Geographical presence Europe, North/Latin America Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

Company 3V Transaction Services Website www.3v.ie Geographical presence Europe, North/Latin America Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

PSP BUYER‘S GUIDE 2010

Company 99Bill Website www.99bill.com Geographical presence Asia/Pacific Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking ≈ E-wallet  Mobile/SMS/IVR  Alternative payment methods ≈ Offline 

Company ABN Amro Website www.abnamro.com/en/index.html Geographical presence North/Latin America, Europe, Middle East/Africa, Asia/Pacific Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

Company Accelya Website w3.accelya.com Geographical presence North/Latin America, Europe, Middle East/Africa Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

PSP BUYER‘S GUIDE 2010

AcceptEmail is a simple and secure electronic billing and payment solution utilizing the power of e- mail. Real-time generated images convey the current bill status, resulting in a comprehensive EBPP experience in the customers‘ inbox. In a 3-click process bills are paid straight from within the e-mail without manual data (re)entry, resulting in full process transparency & control for the customer and the merchant.

Company AcceptEmail Website www.acceptemail.com Keywords e-billing, e-invoicing, e-bill, e-invoice, e-mail, payment, credit management, invoice-to-cash Contact Mr P.J. Kwakernaak | CEO; [email protected]; +31 20 462 5356 ; +31 6 54394102 Geographical presence Europe Market segment(s) Retail, Insurance, Telecom, Utilities, Ticketing, Charity, Education, Internet, Publishers Active since (year) 2006 Payment methods Credit cards Amex, MC, VISA, CB, JCB Debit cards Dankort, Bancontact/Mister Cash Pre-paid cards  Online banking All local online banking systems E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline  Connected companies (#) #3 Acquirers Companies PSP is connected to Ogone, ICEPAY, iDEAL, PBS, PayDutchGroup, DIBS Services Unique Selling Points AcceptEmail enables electronic billing and payment (EBPP) by means of one of the best universal address spaces: email. The reach, convenience and penetration of e-mail is excellent.

AcceptEmail is the digital replacement of various paper-based methods. Apart from an innovative billing and payment initiation method, AcceptEmail also supports marketing with x-selling and credit management with collections. The service is cross industry and used by various companies in various ways: Utilities companies substitute paper-based methods with AcceptEmail in various stages of their invoice-to-cash process. Telephone companies and Internet Service Providers send AcceptEmails to customers where the direct debit transaction failed, requesting payment of their open invoice using this friendly payment method. It is also used for high usage invoicing on the fly and in suspension cases. Publishers and charities use AcceptEmail for fund raising, marketing actions based on actual events and acquisition of new subscribers (also in cross-selling e-marketing actions). Web shops generate more revenue by offering (loyal) customers AcceptEmail as a payment method after delivery. Collection agents help debtors while on the phone from their call centres to pay in a friendly, safe and easy way or offer a payment plan. Travel agents and ticketing companies can arrange for partial or rush payments by scheduling a number of AcceptEmail in batch over a given time period or by generating AcceptEmails on the fly, which is especially effective for last-minutes. In the B2B sector, AcceptEmail is an attractive method for rush orders and rush payments or for avoiding drivers to having to collect cash upon deliveries. Core services EBPP – Electronic Bill Presentment & Payment Pricing On request Collecting payments  Distributing payments  Fraud prevention (measures) Not applicable Fraud prevention partners Not applicable Credit management (services) Yes – in all phases of the invoice2cash process. Other services Integration with sms and voicecast Third Parties RedBox SMS | Microsoft

PSP BUYER‘S GUIDE 2010

Company AcceptEmail - continued Technology Direct connections  Batch processing  Per transaction processing  Merchant pages (direct model)  PSP pages (indirect model)  Interfaces Web services, SOAP, XML Security HTTPS, SSL+, PKI

PSP BUYER‘S GUIDE 2010

Company Acceptance Website www.acceptance.de Geographical presence Europe Payment methods Credit cards  Debit cards  Pre-paid cards ≈ Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

Company Acculynk Website www.acculynk.com Geographical presence North/Latin America Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

Company Aduno Website www.aduno.ch Geographical presence Europe Payment methods Credit cards  Debit cards  Pre-paid cards ≈ Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline ≈

PSP BUYER‘S GUIDE 2010

Adyen is the most innovative and experienced PSP currently on the market. Adyen combines highly sophisticated, fully customisable hosted payment pages, unprecedented reporting capabilities with transparent and no-frills pricing. In combination with Adyen's conversion management software merchants are capable to vastly improve conversion rates at lowest cost per conversion.

Company Adyen.com Website www.adyen.com Keywords Innovation, conversion, transparent pricing, multichannel, global, experience, independent, flexible Contact Sander Maertens, VP, [email protected]; Tel. +31202401240 Geographical presence Global, specifically strong in Americas and Europe Market segment(s) Retail, travel, digital content, gaming, gambling, ticketing, social networks Active since (year) In payments business since 1997, current platform operational since 2006 Payment methods Credit cards Visa, MasterCard, Amex, JCB, Diners, Discover, UATP, AirPlus, co-branded Debit cards (e)Maestro, Visa electron, MrCash, Dankort, Laser, Solo, Delta, Carte Bleue, CartaSi Pre-paid cards Wallie-card, PaySafeCard, PostePay, Cash ticket, Ukash, local (national) brands Online banking iDEAL, sofortüberweisung, DIRECT ebanking, Nordea, all Scandinavian & Polish banking methods E-wallet Paypal, MoneyBookers, Hyves Afrekenen Mobile/SMS/IVR Global coverage Alternative payment methods Internet+; open invoice (post-payment); electronic invoicing / pay by e-mail Offline Bank transfers in over 30 countries; a selection of local voucher payment methods

Connected companies (#) #10+ Acquirers and capable of working with 3rd party providers of (risk & loyalty) solutions Companies PSP is connected to Acquirers, fraud services, logistic partners, credit management services, e-commerce platforms Services Unique Selling Points Increased conversion through simple payment experience; increased shopping cart value through extended functionality of payment pages; more insight and control through statistical insight into payments; transparent, real-time interchange+ pricing; new features in biweekly releases Core services Multi-channel payment platform, fraud management, payment advise, reconciliation, reporting Pricing All-in pricing matrix, maximum transaction price of EUR 0,10; no set up or maintenance costs. Get a price quote online at calculate.adyen.com Collecting payments Yes, Adyen is operating a full service model, being capable to reconcile all payment methods Distributing payments  Fraud prevention (measures) Flexible and state-of-the-art risk module, including consistency and velocity checks, referral lists. All fully configurable and extendable. Adyen is capable of enriching risk module with payment behavior. Credit management (services) Yes, via third party, but fully integrated Other services Fully customisable payment pages; recurring and one click payments; global e-invoicing; native mobile payment pages; a fully mobile accessible back-environment; MOTO (call center); pay out Third Parties Everything is developed and managed in-house Technology Direct connections Yes, when merchant is PCI compliant Batch processing  Per transaction processing  Merchant pages (direct model)  PSP pages (indirect model) Yes, these pages are fully customisable and Adyen supports one-page payments. Interfaces Web services, SOAP, XML, HTTP, CSV, RSS, iPhone Security HTTPS, SSL+, Basic Authentication, HMAC

PSP BUYER‘S GUIDE 2010

Company AIB Merchant Services Website www.aibms.com/index.php Geographical presence North/Latin America, Europe, Middle East/Africa, Asia/Pacific Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

Company AirPlus International Website www.airplus.com/world/en/ Geographical presence North/Latin America, Europe, Middle East/Africa, Asia/Pacific Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

Company Alipay Website www.alipay.com/ Geographical presence North/Latin America, Asia/Pacific , Europe Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

PSP BUYER‘S GUIDE 2010

Company Alliance Data Systems Website www.alliancedata.com/ Geographical presence North/Latin America Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline ≈

Company Allopass Website www.allopass.com/us Geographical presence North/Latin America, Europe, Asia/Pacific Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

Company Amazon Flexible Payments Website aws.amazon.com/fps/ Geographical presence North/Latin America Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

PSP BUYER‘S GUIDE 2010

AvantGard Payments offers a unique payments suite for streamlining payments processing - helping to improve routing and connectivity; reduce costs; increase security; and improve the management of payment information. The solution suite includes: a corporate transaction banking platform, SEPA converter, check printing software and service, and electronic payment services for

check-to-ach and check-to-card migration.

Company AvantGard Payments Website www.sungard.com/avantgard Keywords Electronic payment systems, check writing software, ACH processing services, ACH payments, payment factory, payment factories, SEPA, corporate transaction banking Contact Jamie Serino; Director, Market Insights; [email protected]; 973-463-5722 Geographical presence North/Latin America, Europe, Middle East/Africa, Asia/Pacific Market segment(s) Global 2000 corporations with additional focus on the mid-sized corporation ranging in size from as small as $50M to $1B. Across most primary industry types. Active since (year) 1999 Payment methods Alternative payment methods ACH, virtual card, EFT, Wire, SWIFT, Check Printing Connected companies (#) SunGard has > 350 payers and >75,000 vendors enrolled in its Global Vendor Directory. Services Unique Selling Points AvantGard Payments (Trax) is a corporate transaction banking solution with a strong focus on security, bank and back-office connectivity and compliance (e.g. SEPA), best practice workflows, and business processing. It supports all types of payments, including high value/time critical payments and domestic low value payments. Payments may be imported from many different sources and processed through a workflow which includes business functionality such as validations and approval. Easily integrated with existing ERPs as well as other back-office applications. Shields these systems from changes in the payments world and other corporate-to-bank processes. AvantGard PayNetExchange is an electronic payment solution providing several unique benefits, including: bank neutrality, monthly rebate on card transactions, single Use Virtual Card Technology, single platform for all payment types, multi-format remittance delivery, ―Global Vendor Directory‖ enables AvantGard PayNetExchange participants to send and receive payments electronically. Core services Payment Factory/Corporate Transaction Banking, SEPA Converter, SEPA Direct Debits, Check to ACH Migration, Check to Card Migration, Check Printing Services, Check Printing Software, ACH Processing, Wire Processing , Branded Presentment Pricing License/ASP/Hosted/Managed Service/Per Transaction Collecting payments  Distributing payments  Fraud prevention (measures) AvantGard Payments (Trax) provides centralised payment processing with clear audit trails of all actions taken on payments. A comprehensive permissions model requires the release of payments to be approved according to pre-assigned rules. Support for digital signing of payments sent to the bank as well as the sealing of payments data to prevent content hacking is also available. AvantGard PayNetExchange does several validation checks on an inbound payment file. Enrolling Global Vendor Directory participants are required to fill out documentation and attach proof of existence of a bank account. Validation checks are also done on bank accounts and routing no‘s. Fraud prevention partners IdenTrust and SWIFT PDI personal digital signature solutions. Other services AvantGard offers corporations several options when it comes to connecting to the SWIFT Network, including: direct connectivity, connectivity through the SunGard Service Bureau as a stand-alone entity, and through the Service Bureau whereby SunGard acts as the administrator of the SWIFT account. SunGard is a SWIFT certified global partner and AvantGard Payments has two SWIFT- Ready Application labels for 2010: Corporates – Treasury & Corporates – Cash Management. Third Parties Comdata, SWIFT Technology Direct connections  Batch processing  Per transaction processing  Interfaces XML Security HTTPS, SSL+, PKI

PSP BUYER‘S GUIDE 2010

Company American Express Website home.americanexpress.com/home/mt_personal.shtml Geographical presence North/Latin America, Europe, Asia/Pacific Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

Company Arvato Website www.arvatodigitalservices.com Geographical presence North/Latin America, Europe, Asia/Pacific Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

Company AsiaPay Website www.asiapay.com Geographical presence Asia/Pacific Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

PSP BUYER‘S GUIDE 2010

Company Atos Worldline Website sips.atosworldline.com Geographical presence Asia/Pacific, Europe, Middle East/Africa, North/Latin America Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

Company Avangate Website www.avangate.com/online-payment-solutions Geographical presence Europe, North/Latin America Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

Company B+S Card Service Website www.bs-card-service.com/en/ Geographical presence Europe Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline ≈

PSP BUYER‘S GUIDE 2010

Company Bank Associates Merchant Services Website www.bams.com Geographical presence North/Latin America Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

Company Banco Popular Website www.mypopularbanking.com Geographical presence North/Latin America Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

Company Bank of America Website www.bankofamerica.com Geographical presence North/Latin America Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

PSP BUYER‘S GUIDE 2010

Company barclaycard ePDQ Website www.barclaycard.co.uk/business/ Geographical presence North/Latin America, Europe, Middle East/Africa, Asia/Pacific Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

Company beanstream Website www.beanstream.com/public/index.asp Geographical presence North/Latin America Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline ≈

Company Bill Me Later Website www.billmelater.com/index.xhtml Geographical presence North/Latin America Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

PSP BUYER‘S GUIDE 2010

Company Billeo Website www.billeo.com Geographical presence North/Latin America Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

Company Billing Revolution Website www.billingrevolution.com Geographical presence North/Latin America Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

Company BluePay Website www.bluepay.com Geographical presence North/Latin America Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

PSP BUYER‘S GUIDE 2010

Company BNL POSitivity Website www.bnlpositivity.it/en/prodotti/ Geographical presence Europe Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

Company BNP Paribas Website www.bnpparibas.com/en/home/ Geographical presence North/Latin America, Europe, Middle East/Africa Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

Company Buckaroo Website www.buckaroo.nl Geographical presence Europe Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

PSP BUYER‘S GUIDE 2010

Company Camtech Website www.camtech.com.au Geographical presence Asia/Pacific Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

Company Card Complete Service Bank Website www.cardcomplete.com/ Geographical presence Europe Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

Company CardinalCommerce Website www.cardinalcommerce.com Geographical presence North/Latin America, Europe Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

PSP BUYER‘S GUIDE 2010

Company CartaSi Website www.cartasi.it/gtwpages/index.jsp Geographical presence Europe Payment methods Credit cards  Debit cards ≈ Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

Company Cashsense Inc Website www.cashsense.com Geographical presence Asia/Pacific , Europe Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

Company CashSender Website www.cashsender.com Geographical presence North/Latin America, Europe Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

PSP BUYER‘S GUIDE 2010

Company CCAvenue Website www.ccavenue.com Geographical presence Asia/Pacific Payment methods Credit cards  Debit cards ≈ Pre-paid cards ≈ Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

Company CCNow Website www.ccnow.co Geographical presence North/Latin America, Europe, Asia/Pacific Payment methods Credit cards  Debit cards  Pre-paid cards ≈ Online banking  E-wallet ≈ Mobile/SMS/IVR  Alternative payment methods  Offline 

Company Ceridian SVS Website www.storedvalue.com Geographical presence North/Latin America, Europe, Middle East/Africa, Asia/Pacific Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

PSP BUYER‘S GUIDE 2010

Chase Paymentech is a global leader in payment processing and merchant acquiring and a specialist in customer-not-present (CNP) transactions. In 2009, Chase Paymentech processed more than 18.0 billion transactions with a value exceeding $409.7 billion, including an estimated half of all global e-commerce Visa and MasterCard transactions.

Company Chase Paymentech Website www.chasepaymentech.eu Keywords Customer not present, customer not present processing, credit card processing, payment processing, CNP, recurring billing, e-commerce merchant account, mail order Contact [email protected], Tel: +44.845.399.1120 (UK); +1.800.708.3740 (USA); +1.866.833.8182 (Canada) Geographical presence North America, Europe Market segment(s) Auction, e-Retailing (apparel, electronics, software), Travel, Events, Online gaming, digital downloads, social networking, other Active since (year) 1985 Payment methods Credit cards  Debit cards  Pre-paid cards  Alternative payment methods Bill Me Later, e-cheques, European Direct Debit, gift cards, PayPal, GreenDot, recurring payments Connected companies (#) Arvato finance services, CyberSource Corporation, DataCash, Delego, GlobalWare Solutions, Moneybookers, NetGiro, Ogone, Opsource, Paypoint, Retail Decisions (ReD), Sage Pay (Protx), SecureTrading, Transaction Network Services, Vindicia Services Unique Selling Points A global leader in payment processing and merchant acquiring, Chase Paymentech is focused on improving the payments industry. From influencing card associations on behalf of our merchants to developing award-winning technology, Chase Paymentech offers you the solutions you need to manage all of your payment processing needs. Chase Paymentech fuels the success of the Internet‘s largest brands and currently processes more than 50% of all global Visa and MasterCard e-commerce transactions. Since 1985, we have made it our business to lead the way in payment processing. We have been in operation in Europe for 15 years and have an excellent understanding of not only the European e-commerce landscape but also of the global market. Core services Global Payment Processing: detailed reporting and reconciliation; present in more than 130 currencies and settle in 12 major currencies; fast access to funds. Comprehensive Reporting and Data Access: multilevel security, user manuals, technical documents and more; financial reports – daily, weekly and monthly; delimited file reporting that can integrate with your chosen ERP system; chargeback reports; transaction history; electronic and web reporting; 24/7 availability. Customer Service: dedicated account manager, merchant services call centre, 24/7 web and IVR availability, 24/7 operations support, chargeback analyst, training specialist, technical consulting Pricing For current pricing, please contact the company at [email protected] Collecting payments  Distributing payments  Fraud prevention (measures) Address verification, VISA CVV2 and MasterCard CVC2, Verified by VISA, MasterCard SecureCode Fraud prevention partners Kount: Chase Paymentech‘s expertise and fault tolerant infrastructure, paired with Kount‘s advanced fraud prevention technology, introduces a new class of fraud management tools that will significantly improve the reliability and security of card-not-present transactions. Other services 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: maximum approval rates; automatic resubmission of transactions; 20-30% 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

PSP BUYER‘S GUIDE 2010

Company Chase Paymentech - continued Technology Direct connections supported? Both direct and indirect connections supported Batch processing  Per transaction processing  Merchant pages (direct model)  PSP pages (indirect model)  Interfaces HTTPS, VPN, MPLS, Web Services, SOAP, XML (specifications available upon request) Security HTTPS, SSL, SSL+, PKI

Chess’s PURE Payment platform is the combination of PSP payments and Cashless terminal transactions. Focus on cost reduction and integration. PURE ROUTER, the intelligent business rule driven payment module for Online payments. PURE VAS, virtual account system for wallet, loyalty and cashless transactions.

Company Chess Website www.chess.nl Keywords Online payments, virtual account system, contactless, cashless, terminals, business rules Contact Mr Ward Hagenaar, New Business Manager, [email protected], +31(0)23 5149 149 Geographical presence Europe Market segment(s) E-business, Finance. Verticals : Ticketing, Sport and Events, Mobility & Travel, Retail, Communities Active since (year) 2000 Payment methods Credit cards All major international brands Debit cards Soon eMaestro Pre-paid cards Any pre-paid or stored value solution Online banking iDEAL, Giropay, other E-wallet PayPal, MiniTix, Hyves Betalen, Pure VAS, other Mobile/SMS/IVR Rabo SMS Betalen, Pure VAS, other Alternative payment methods Community payments and virtual currency solutions; Internal Virtual Account System (Wallet); Person 2 Person (internet and mobile); Post-paid; Loyalty schemes and private label cards; Vouchers (system has a service to issue & accept vouchers as a (partial) payment); Micropayments Offline Direct debit, bank transfer within EU Services Core services Direct payment processing, fully automated clearing & settlement information, back-office integration, customisation. Pricing Several models available: license fee or transaction based fee Fraud prevention (measures) Blacklist, business rules and external services Credit management (services) Clearing and settlement via a Virtual Account System Other services Full customized integration, proprietary payment solutions Third Parties Acquiring core contracting and reporting systems, gift card processors Technology Direct connections?  Batch processing?  Per order processing? 

PSP BUYER‘S GUIDE 2010

Issue any volume of multi-currency payments by cheque or electronic transfer to panelists, affiliates and prize winners around the world. Chexx Inc. cheques and electronic payments are easy for you to order and easy for beneficiaries to clear. Contact us today to set up your Chexx Inc. account for free.

Company Chexx Inc. Website www.chexxinc.com Contact Mr. Brendan Mahar, Business Development Manager; [email protected]; +1 604 688 0366 Geographical presence North/Latin America, Europe, Middle East/Africa, Asia/Pacific Market segment(s) Market Research, Clinical Trials, Affiliate Marketing, Reverse Logistics Payment methods Credit cards  Debit cards  Pre-paid cards Virtual Visa, plastic MasterCard Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods Issue cheques, electronic payments and prepaid cards Offline Cheques and prepaid cards Services Fraud prevention Positive Pay Credit management  Additional services Cheque and Insert printing, stuffing, mailing Technology Direct connections supported?  Batch processing?  Per order processing? 

Company China UnionPay Website en.chinaunionpay.com Geographical presence North/Latin America, Europe, Middle East/Africa, Asia/Pacific Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

PSP BUYER‘S GUIDE 2010

Company ChinaPay Website www.chinapay.com Geographical presence Asia/Pacific Payment methods Credit cards  Debit cards  Pre-paid cards ≈ Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

Company Chronopay Website www.chronopay.com Geographical presence North/Latin America, Europe, Middle East/Africa, Asia/Pacific Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

Company Cielo Website www.cielo.com.br/portal/main-page.html Geographical presence North/Latin America Payment methods Credit cards  Debit cards  Pre-paid cards ≈ Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

PSP BUYER‘S GUIDE 2010

Company Clear2Pay Website www.clear2pay.com Geographical presence North/Latin America, Europe, Middle East/Africa, Asia/Pacific Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR ≈ Alternative payment methods  Offline 

Company ClearCommerce (FIS Global) Website www.fisglobal.com/index.htm Geographical presence North/Latin America, Europe, Middle East/Africa, Asia/Pacific Payment methods Credit cards  Debit cards  Pre-paid cards ≈ Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

Company ClickandBuy International Limited Website www.clickandbuy.com Geographical presence Europe, North/Latin America Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

PSP BUYER‘S GUIDE 2010

Company CNG Processing Website www.cngpro.com Geographical presence Europe Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

Company CollectivePOS Website www.collectivepos.com Geographical presence North/Latin America Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

Company Computop Website www.computop.de/startseite.html?&no_cache=1&L=1 Geographical presence Europe Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

PSP BUYER‘S GUIDE 2010

Company ConCardis Website www.concardis.com/ Geographical presence Europe Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

Counting House is a full service PSP offering cost-effective inbound and outbound payment solutions for online gaming companies worldwide: Send payment to winners and affiliates by local cheque, electronic transfer, Visa OCT or virtual credit card. Accept payment by credit card, debit card, local electronic payment and local-currency cheque.

Company Counting House Ltd. Website www.countinghouseltd.com Contact [email protected] Geographical presence Latin America, Europe, Middle East/Africa, Asia/Pacific Market segment(s) Gaming, Gambling, Other Payment methods Credit cards Visa, MasterCard Debit cards Visa Electron, CarteBleue, Maestro, Visa Debit, Dankort Pre-paid cards Prepaid Visa Online banking Facilitate acceptance of local electronic payments E-wallet  Mobile/SMS/IVR  Alternative payment methods Visa Credits - OCT Local Electronic Payment Methods Offline Cheque and postal money order processing, scanning solutions, bank transfer collection Services Fraud prevention Fraud risk scoring, merchant controlled flags, 3-D Secure, PCI compliant hosted solutions, tokenization Credit management  Additional services  Technology Direct connections supported?  Batch processing?  Per order processing? 

PSP BUYER‘S GUIDE 2010

CQR’s payment platform helps you reach the widest possible audience by giving your customers a choice of over 90 of the world‘s most commonly used payment options. We helped bwin grow in 27

countries. Where do you want to go? You know your business; we know online payments. Let‘s talk.

Company CQR Payment Solutions Website www.cqrpayments.com Keywords Payment, PSP, online, merchant account, card, alternative payment, prepaid, conversion Contact [email protected]; +43 (0)1227 50 37000 Geographical presence North/Latin America, Europe Market segment(s) Online retail (apparel, electronics, software), gaming, gambling, events, other Active since (year) 2007 Payment methods Credit cards Visa, MasterCard, AMEX, Diners, Kalibra, PostePay, Sanpaolo, Cartes Bancaires, BancomerMultipagos, DineroMail Debit cards Visa Electron, Maestro Pre-paid cards Paysafecard, Ukash, Kalixa, Voucher Deposit Italy, Wallie, Neosurf Online banking GiroPay, iDEAL, MisterCash, EPS (11), Sofortüberweisung, Direct ebanking, TatraPay, BancomerMultipagos, Sporopay, DineroMail, P24 (18 banks), Multibanco, ePay, Nordea, Paganet, Umb, Dp24, Ips, Onecard, Cashu, Moneta, Webtopay, Alipay, Abaqoos, POLi 2, eKonto, BankLink, Linea Abierta, Nettbank, EuTeller, BankAxess E-wallet ClickandBuy, Moneybookers, WebMoney, Neteller, PayPal, Kalixa, Click2Pay, HappyDigits, Abagoos, Moneta, eWire Mobile/SMS/IVR Paybox, T-Pay, MPlatba Alternative payment methods Western Union, InstaDebit, Boleto Bancario Offline Offline Bank Transfer, CobroExpress, Cobranza Integrada Galicia, TeleIngreso Services Core services Payment processing, card issuing, ewallet service, added value services; reconciliation and settlement, fraud prevention, verification and authentication, accounting platform and reporting Pricing For further information please contact CQR at [email protected] Fraud prevention (measures) Fully automated risk scoring platform, incl. payment limit checks, payment origin checks, Anti Money Laundry (AML) checks, white and black list Payment Risk & Anti Money Laundry (AML) teams for advance transaction monitoring Risk assessment workshops Credit management (services)  Other services Technical gateway, Aggregation (merchant account), MOTO, Recurring transactions, Auto top up, KYC, 3D Secure Third Parties GB Group, Cellent, Decidir Technology Direct connections?  Batch processing?  Per order processing? 

PSP BUYER‘S GUIDE 2010

Company CRE Secure Website www.cresecure.com Geographical presence North/Latin America Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

Company Ctopay Website www.ctopay.hk Geographical presence North/Latin America, Europe, Middle East/Africa, Asia-Pacific Payment methods Credit cards  Debit cards  Pre-paid cards ≈ Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

Company Cubepay Website www.cubepay.com Geographical presence North/Latin America, Europe, Asia-Pacific Payment methods Credit cards ≈ Debit cards ≈ Pre-paid cards ≈ Online banking ≈ E-wallet ≈ Mobile/SMS/IVR ≈ Alternative payment methods ≈ Offline 

PSP BUYER‘S GUIDE 2010

Founded in 1994, CyberSource is a global payment management company, serving over 300,000 customers. We help to optimise your entire payment process—from payment acceptance, to fraud management and payment security—through a single connection. You can reach more customers, detect fraud more accurately and protect against payment data theft.

Company CyberSource Website Corporate/Americas: www.cybersource.com; UK/EMEA: www.cybersource.co.uk; Asia Pacific: www.cybersource.asia; Japan: www.cybersource.co.jp Keywords e-commerce, online, payment, fraud, PCI, global, tokenisation Contact Rosie Leishman, Head of Marketing, [email protected], +44 (0)118 929 4855 Geographical presence North/Latin America, Europe, Asia/Pacific, Middle East/Africa Market segment(s) Auction, Media, Retail (apparel, electronics, software), Travel, Gaming, Ticketing, Finance, Billers, Direct Response, Telecommunications etc. Active since (year) 1994 Payment methods Credit cards Visa, MasterCard, Amex, JCB, Diners Debit cards CartaSi, Carte Bleue, Dankort, Discover, Laser, Maestro, Solo, Visa Debit, Visa Electron, Chinese debit cards Pre-paid cards Visa or MasterCard branded Online banking Aktia, eCard, eNETS, eps Online-Überweisung , giropay, iDEAL, ING‘Homepay, Interac, Nordea, POLi, Sampo, sofortüberweisung (please contact CyberSource about coverage) E-wallet PayPal, PayEase (China) Mobile/SMS/IVR IVR (US and UK) Alternative payment methods PIN-less debit (US), eCheck/ACH (US), Bill Me Later (US) Offline Direct debit; bank transfer in most EMEA and APAC countries Connected companies (#) Over 40 connections around the world Companies PSP is connected to Please contact us for a full list of the acquirers and processors that we connect to worldwide Services Unique Selling Points Truly end-to-end: With CyberSource, you can optimise your business results and boost revenue through actively managing the entire payment process—from global payment acceptance, through to fraud management and enterprise payment security. One connection globally: You can reach more customers worldwide, offering the payment types that they prefer, whilst lowering your fraud—all by a single connection. Dedicated, in-house expertise: The company`s Professional and Managed Services consultants bring you their vast in-field expertise, as and when required—helping to optimise business operations. Core services Global payment processing, fraud management, payment security, centralisation Pricing Please contact your regional CyberSource office for more information about pricing Collecting payments  Distributing payments  Fraud prevention (measures) Our 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. A case management system streamlines the review process, boosting order conversion. Can be managed by you or our Managed Services and Order Review teams. Fraud prevention partners 192business, Accurint, ATTUS, CardinalCommerce, Quova, SAP, TARGUSinfo, Telcordia, ThreatMetrix, Visa Credit management (services)  Other services Enterprise payment security solution, including Tokenisation and Hosted Payment Acceptance; payment centralisation to consolidate payment management operations across organisations. Third Parties Multiple third-party fraud vendors; e-commerce platforms such as ATG, IBM, NetSuite and many more

PSP BUYER‘S GUIDE 2010

Company CyberSource - continued Technology Direct connections Yes – the company supports and maintains direct connections to multiple processors Batch processing  Per transaction processing  Merchant pages (direct model)  PSP pages (indirect model)  Interfaces ASP/COM, C, Java, .NET, Perl, PHP, Web Services (SOAP) and plug-ins for major commerce platforms Security HTTPS, SSL+, PKI

Company CuentaDigital Website www.cuentadigital.com Geographical presence North/Latin America Payment methods Credit cards ≈ Debit cards ≈ Pre-paid cards ≈ Online banking  E-wallet ≈ Mobile/SMS/IVR  Alternative payment methods  Offline 

Company Datacash Website www.datacash.com Geographical presence North/Latin America, Europe, Asia-Pacific Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

PSP BUYER‘S GUIDE 2010

Company Datatrans Website www.datatrans.ch Geographical presence North America, Europe, Asia Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

Company Deutsche Card Services Website www.deutsche-card-services.com Geographical presence Europe Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking ≈ E-wallet ≈ Mobile/SMS/IVR  Alternative payment methods  Offline 

Company Dexia Website www.dexia.com Geographical presence Europe Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet ≈ Mobile/SMS/IVR ≈ Alternative payment methods  Offline 

PSP BUYER‘S GUIDE 2010

Company DIBS Website www.dibspayment.com Geographical presence Europe Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods ≈ Offline 

Company Direct Payment Solutions Website www.paymentexpress.com Geographical presence North/Latin America, Asia/Pacific, Middle East/Africa Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

Company DirectOne Website www.directone.com.au Geographical presence Asia/Pacific Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods ≈ Offline 

PSP BUYER‘S GUIDE 2010

Docdata Payments, offers five services that together provide a complete service offering for the financial part of the order-to-cash process: Docdata payment service, Docdata response handling, Docdata membership and recurring payment service, Docdata credit management service and Docdata cash disbursement service.

Company Docdata Payments Website www.docdatapayments.com Keywords E-commerce, online payments, credit cards, recurring payments Contact Mr. R. van Dee, Sales Manager; e-mail: [email protected], tel: +31 (0)343- 530040 Geographical presence Europe Market segment(s) e-Retail, Ticketing, Media, Digital Services, leisure, telecommunications, skill gaming Active since (year) 1999 Payment methods Credit cards Visa, Mastercard, American Express, Carte Bleue Debit cards Maestro, Visa Electron Pre-paid cards WallieCard Online banking iDeal, Bancontact/Mr. Cash, GiroPay, Sofortuberweisung, DirecteBanking, KBC Betaalknop, ING HomePay, Dexia Netbanking E-wallet PayPal, Minitix Mobile/SMS/IVR Premium SMS + Premium Call in many European Countries Offline Printed invoice, Local bank transfers in most European Countries and USA, Mr Pay Online (cash at one of the offices), Acceptgiro Connected companies (#) EMS card, Atos Worldline, Euroline Companies PSP is connected to Heineken, Hewlett Packard, DHL, Golden Tulip, Telegraaf Media Group, Bijenkorf, V&D, SMS City Services Unique Selling Points One connection to the docdata payment service gives access to over 60 different payment methods and 140 different currencies; Collection and reconciliation: each individual payment is matched to its original merchant order number, for all payment methods, currencies and channels; Fraud risk management module: helps merchants to reduce the risk of potentially fraudulent transactions; Multi- sales channel: Docdata Payments processes payments for e-commerce, MOTO. Core services Processing online payments, collection and reconciliation Pricing For our current pricing, please contact our sales department, [email protected] Distributing payments ≈ Fraud prevention (measures) Optional fraud risk management tool that checks each individual transaction against a set of security parameters: black lists, velocity & pattern checks, payment history of a card or bank account no, etc. Fraud prevention partners German Post, InfoScore Credit management (services) Open invoicing is supported (printed invoice, Acceptgiro) for merchants that support post paid payment options; reminders. Other services Docdata provides a total e-commerce solution, including: design, development and management of (international) e-commerce shops, including hosting and marketing, worldwide fulfillment (order picking, shipment, return handling), donation and response handling, CD/DVD replication for the media, entertainment and information sector. Technology Direct connections  Batch processing  Per transaction processing  Merchant pages (direct model)  PSP pages (indirect model)  Interfaces Web services, XML Security HTTPS, PKI

PSP BUYER‘S GUIDE 2010

Company Discover Network Website www.discovernetwork.com Geographical presence North/Latin America Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking ≈ E-wallet  Mobile/SMS/IVR  Alternative payment methods ≈ Offline 

Company Documetric Website www.documetric.com Geographical presence Europe Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

Company Dotpay Website www.dotpay.pl Geographical presence Europe Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

PSP BUYER‘S GUIDE 2010

Company Dragonfish Website www.dragonfishtech.com Geographical presence North/Latin America, Europe, Middle East/Africa, Asia/Pacific Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

Company Dragonpay Corporation Website www.dragonpay.ph Geographical presence Asia/Pacific Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

Company Earthport Website www.earthport.com Geographical presence Asia/Pacific , Europe, Middle East/Africa, North/Latin America Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

PSP BUYER‘S GUIDE 2010

Company eBillme Website www.ebillme.com Geographical presence North/Latin America Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

Company EBS Website www.ebs.in Geographical presence Asia/Pacific Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR ≈ Alternative payment methods  Offline 

Company ecapay Website www.ecapay.net Geographical presence Asia/Pacific Payment methods Credit cards ≈ Debit cards  Pre-paid cards  Online banking  E-wallet ≈ Mobile/SMS/IVR  Alternative payment methods ≈ Offline ≈

PSP BUYER‘S GUIDE 2010

Company eCard Website www.ecard.pl Geographical presence Europe Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking ≈ E-wallet ≈ Mobile/SMS/IVR  Alternative payment methods ≈ Offline ≈

Company ECHO Website www.echo-inc.com Geographical presence North/Latin America Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking ≈ E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline ≈

Company Elavon Website www.elavon.com Geographical presence North/Latin America, Europe Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet ≈ Mobile/SMS/IVR ≈ Alternative payment methods  Offline 

PSP BUYER‘S GUIDE 2010

Company Electronic Payment Systems Website www.eps-na.com Geographical presence North/Latin America Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet ≈ Mobile/SMS/IVR  Alternative payment methods  Offline 

Company eNETS Website www.enets.com Geographical presence Asia/Pacific Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet ≈ Mobile/SMS/IVR  Alternative payment methods  Offline ≈

Company Envoy Services Website www.envoyservices.com Geographical presence North/Latin America, Europe, Middle East/Africa, Asia/Pacific Payment methods Credit cards  Debit cards  Pre-paid cards ≈ Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

PSP BUYER‘S GUIDE 2010

Company EOS Payment Solutions Website www.eos-payment.com Geographical presence North/Latin America, Europe, Middle East/Africa, Asia/Pacific Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

Company epay Website www.epayworldwide.com Geographical presence North/Latin America, Europe, Asia/Pacific Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

Company eProcessing Network Website www.eprocessingnetwork.com Geographical presence North/Latin America Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

PSP BUYER‘S GUIDE 2010

Company Equens Website www.equens.com/index.jsp Geographical presence Europe Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

Company eTranzact Website www.etranzact.com Geographical presence North/Latin America, Europe, Middle East/Africa Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods ≈ Offline 

Company EuroCommerce Website www.eurocommerce.ie Geographical presence North/Latin America, Europe, Middle East/Africa, Asia/Pacific Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

PSP BUYER‘S GUIDE 2010

Company Euroline Website www.euroline.se Geographical presence North/Latin America, Europe, Middle East/Africa, Asia/Pacific Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking ≈ E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

Company European Merchant Services B.V. Website www.emscard.com Geographical presence Europe Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

Company eWay Website www.eway.com.au Geographical presence Asia/Pacific Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

PSP BUYER‘S GUIDE 2010

Company E-xact Transactions Website www.e-xact.com Geographical presence North/Latin America Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

Certo Payment Gateway is integrated into multiple local and international payment brands, banks, MSPs, alternative payments, shopping carts, order systems, 3-D Secure, advanced fraud scrubbing. Merchants and MSPs can now enjoy a true one stop integration platform to access all integrated options free of any set-up fees and monthly fees.

Company Failsafe Payments Website www.failsafepayments.com Contact International Sales Team, [email protected] Geographical presence North America, Europe, Middle East/Africa, Asia/Pacific Market segment(s) Retail, Adult, Gaming, Low Risk, High-Risk, POS, MOTO Payment methods Credit cards VISA, MasterCard, American Express, Diners, JCB Discover, Dancard, Eurocard, Carte Bleue Debit cards Chinese Debit Cards, Korean Debit Cards, VISA Electron, Maestro, Delta, Laser, Solo, EC Pre-paid cards Ukash, Snapcard, Todito Cash and several others Online banking  E-wallet PayPal, Moneybookers and more being implemented 2010/2011 Mobile/SMS/IVR BOKU, Fortumo, Google Mobile, Billing Revolution, txtNation, AOneBill, Global Acess, PasswordByPhone and more being implemented 2010/2011 Alternative payment methods ACH, eCheck21, Google Checkout, POLi, iDeal, GiroPay, Przelewy24, Sofortuberweisung, EuroDebit and many more implemented during 2010/2011 Offline Worldwide bank transfers through multiple systems Services Fraud prevention  Credit management  Additional services  Technology Direct connections?  Batch processing?  Per order processing? 

PSP BUYER‘S GUIDE 2010

Company eWise Website www.ewise.com/corporate/index.html Geographical presence North/Latin America, Europe, Asia/Pacific Payment methods Credit cards ≈ Debit cards ≈ Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

Company Fifth Third Bank Website www.53.com Geographical presence North/Latin America Payment methods Credit cards  Debit cards  Pre-paid cards ≈ Online banking  E-wallet  Mobile/SMS/IVR ≈ Alternative payment methods  Offline 

Company First Data Website www.firstdata.com/en_us/home Geographical presence North/Latin America, Europe, Middle East/Africa, Asia/Pacific Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet ≈ Mobile/SMS/IVR  Alternative payment methods  Offline 

PSP BUYER‘S GUIDE 2010

First Atlantic Commerce (FAC) is a secure, PCI certified payment gateway that offers custom, online payment and risk management solutions to merchants and banks. FAC provides merchants with online credit card processing, global check issuing services, EFT and Ukash, as well as fraud TM management services including AVS, CVV2/CVC2/CID verification, and 3-D Secure -- all through a single, secure interface.

Company First Atlantic Commerce Website www.firstatlanticcommerce.com Keywords Payment gateway, online payment solutions, merchant accounts, international credit card processing, online card payment, merchant international, credit card gateway, online payment systems Contact Tricia Lines Hill, VP Marketing & Corp. Communications, Tel: 441.294.4625. Email: [email protected] Geographical presence Latin America Caribbean Region, Europe, Asia/Pacific Market segment(s) Retail, Travel (Airlines, Hotels, Car Rentals), Ticket & Event Management, Prepaid Phone & VoIP, Digital Content, Internet & Technology (ISPs, Web Hosting), Gaming Active since (year) 1998 Payment methods Credit cards Visa, MasterCard, Amex Debit cards  Pre-paid cards  Online banking Yes, solution dependent E-wallet PayPal Europe Mobile/SMS/IVR  Alternative payment methods Ukash, Electronic Funds Transfer (EFT), inbound bank transfers (Giro), multi currency cheques Offline  Services Unique Selling Points Custom, offshore acquiring solutions, credit card processing and alternative payment methods via one interface Core services Online credit card processing Pricing Tiered, according to volumes Fraud prevention (measures) Address Verification, Card Verification (CVV2/CVC2/CID), 3-D Secure ™, Cardholder Account Confirmation, Collaborative Fraud Management Credit management (services)  Other services 

Third Parties Ethoca for collaborative fraud management Technology Direct connections?  Batch processing?  Per order processing? 

PSP BUYER‘S GUIDE 2010

Company First National Bank Omaha Website www.firstnational.com Geographical presence North/Latin America Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

Company First National Merchant Solutions Website www.firstnationalmerchants.com Geographical presence North/Latin America Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking ≈ E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

Company Fortis Bank Nederland Website www.fortisbank.nl Geographical presence Europe Payment methods Credit cards  Debit cards ≈ Pre-paid cards ≈ Online banking  E-wallet  Mobile/SMS/IVR ≈ Alternative payment methods  Offline 

PSP BUYER‘S GUIDE 2010

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 online payment platform, we offer access to an unrivalled portfolio of local and international payment methods in over 200 countries and for 170 currencies.

Company GlobalCollect Website www.globalcollect.com Keywords Payment Service Provider, local + alternative e-payment solutions, online payments Contact www.globalcollect.com/payment-service-provider/merchant-form/, [email protected], [email protected], [email protected], [email protected] Geographical presence North/Latin America, Europe, Middle East/Africa, Asia/Pacific Market segment(s) Travel, Retail, Gaming, Software, Music, Publishing, Streaming Media, Social Networking, Ticketing, Direct Selling, Telecommunications / Online Portals and more. Active since (year) 1994 Payment methods Credit cards Visa, MasterCard, American Express, Diners Club International, Discover, Maestro International, and JCB Debit cards Maestro (United Kingdom), Solo (United Kingdom), Laser (Ireland), Carte Bleue (France), Dankort (Denmark) and Discover (United States), as well as over 40 local Chinese debit cards Pre-paid cards Wallie, Ukash and Paysafecard Online banking Real-time bank transfers: Sofortueberweisung/DirectPay24 and Giropay in Germany, iDEAL in the Netherlands, Nordea Solo in Sweden, Finland, and Denmark, ING HomePay in Belgium, eCard in Poland and eNETS in Singapore. In the near future, GlobalCollect will also support Danske Bank Netbetaling in Denmark, Aktia and Sampo in Finland, Interac Online in Canada, POLi in Australia and Secure Vault Payment in the United States E-wallet PayPal, WebMoney, cashU, Alipay, and Moneybookers Mobile/SMS/IVR  Alternative payment methods Direct debits in Australia, Austria, Belgium, Canada, France, Germany, Italy, the Netherlands, Spain, Switzerland, the United Kingdom and soon the United States; Bank transfers (Local Wire Transfer) and bill payments in over 66 countries Offline Cash and bill payments worldwide through Western Union network, Chinese post offices, Boleto Bancário in Brazil, Pago Fácil in Argentina, Barcode Santander in Chile, Konbini (convenience store payments) and Pay-easy in Japan; checks in 35+ local currencies; lockbox solutions in five regions; Invoicing in 200+ countries Services Unique Selling Points GlobalCollect can help your company 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 Core services Online payments processing; 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. Pricing Upon request on a customized basis Fraud prevention (measures) Scalable Fraud Screening Service featuring a range of integrated fraud reduction tools to maximize transaction safety prior to authorization, incl. blacklists, velocity checking, BIN range validation, IP Geolocation, account validation, credit card checks. Credit management (services)  Other services Full-serve-provider, currency conversion, consumer support, single-interface connection to our payment platform. Third Parties  Technology Direct connections supported?  Batch processing?  Per order processing? 

PSP BUYER‘S GUIDE 2010

Company giropay GmbH Website www.giropay.de Geographical presence Europe Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

Company Global Payments Website www.globalpaymentsinc.com Geographical presence North/Latin America, Europe, Middle East/Africa, Asia/Pacific Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking ≈ E-wallet  Mobile/SMS/IVR  Alternative payment methods ≈ Offline 

Company Glue Pay Website www.gluepay.com Geographical presence Europe Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

PSP BUYER‘S GUIDE 2010

Company Google Checkout Website www.checkout.google.com Geographical presence North/Latin America, Europe, Middle East/Africa, Asia/Pacific Payment methods Credit cards  Debit cards  Pre-paid cards ≈ Online banking  E-wallet ≈ Mobile/SMS/IVR  Alternative payment methods  Offline 

Company GSI Commerce Website www.gsicommerce.com Geographical presence North/Latin America, Europe Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet ≈ Mobile/SMS/IVR  Alternative payment methods  Offline 

Company GVC - Consultancy for Financial Access Website www.gvc-consultancy.com Geographical presence Europe, Middle East/Africa Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

PSP BUYER‘S GUIDE 2010

Company Heartland Payment Systems Website www.heartlandpaymentsystems.com Geographical presence North/Latin America Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet ≈ Mobile/SMS/IVR  Alternative payment methods  Offline 

Company Heidelpay Website www.heidelpay.de Geographical presence Europe Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

Company Home ATM Website www.homeatm.net Geographical presence Asia/Pacific, North/Latin America Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking ≈ E-wallet ≈ Mobile/SMS/IVR  Alternative payment methods  Offline 

PSP BUYER‘S GUIDE 2010

hyperWALLET delivers secure, global-grade payment technologies to organizations that require a simplified way to access or leverage the global financial network. Since 2000 the company has become a leading provider of online and mobile payment, international payments, card products and financial technology solutions to enterprise-level customers in Canada, the U.S. and internationally.

Company hyperWALLET Website www.hyperwallet.com Keywords payment, settlement, global, online, mobile, banking, processing, currency Contact Mr. Chris Silverson, Vice President – Sales, 604-482-0090, [email protected] Geographical presence North America/Latin America, Europe, Middle East, Africa, Asia-Pacific Market segment(s) Financial services, business, government, online, mobile, prepaid card & cash-based markets. Active since (year) 2000 Payment methods Credit cards Support for Credit Card gateways – VISA, MC, Amex Debit cards  Pre-paid cards Brandable prepaid cards Online banking Global bank account transfers to 40 countries worldwide, Cosy-effective, cross-border payment distribution & remittances E-wallet Brandable stored value accounts, multi-currency payment processing, multi-lingual user interfaces, 3rd party payment connectors (PayPal, MPESA, SMART) Mobile/SMS/IVR TransferTo (Send airtime credit top-ups to mobile phones in 25 countries worldwide) 2-way SMS, WAP, iPhone + Smartphone Apps for mobile banking IVR for customer service, telephone banking capabilities Alternative payment methods Micropayments Offline Western Union® Quick Cash® (cash pickups) Services Unique Selling Points Cost effective, global payment distribution alternative to cheques, money orders and wire transfers Low-cost global ACH, mobile airtime and cash pickup settlement networks Electronic payment processing & international remittances in 20+ currencies Brandable payment services and web & mobile payment applications in 10+ languages Support for online, mobile, WAP, SMS, iPhone apps & prepaid card channels Core services P2P, B2P, P2B, G2P payments Online, Mobile & Global payment distribution Transaction processing & Settlement International payments & remittances Pricing Transaction-based Licensing-based ASP / SaaS Hosted Model Fraud prevention (measures) Risk Management, KYC identity & bank verifications, IP address geotracking, AML Lists (OSFI, OFAC, UNS), FINTRAC Reporting, Transaction limits & monitoring, customer due diligence, network intrusion detection Credit management (services)  Other services Custom software development, systems monitoring, maintenance management, customer support, transaction settlement services Third Parties PayPal, MPESA, SMART Money Technology Direct connections?  Batch processing?  Per order processing? 

PSP BUYER‘S GUIDE 2010

Company IndiaPay Website www.indiapay.com Geographical presence Asia/Pacific Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

Company ING Website www.ingcommercialbanking.com Geographical presence Europe Payment methods Credit cards  Debit cards  Pre-paid cards ≈ Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

Company Ingenico Website www.ingenico.com Geographical presence North America/Latin America, Europe, Middle East, Africa, Asia-Pacific Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet ≈ Mobile/SMS/IVR ≈ Alternative payment methods  Offline 

PSP BUYER‘S GUIDE 2010

Company Innovate Payments Website www.innovatepayments.com Geographical presence Europe, Middle East/Africa Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

Company Interac Website www.interac.ca Geographical presence North/Latin America Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR ≈ Alternative payment methods  Offline 

Company Internet Secure Website www.internetsecure.com Geographical presence North/Latin America Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR ≈ Alternative payment methods  Offline ≈

PSP BUYER‘S GUIDE 2010

Company iPay88 Website www.ipay88.com Geographical presence Asia-Pacific Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline ≈

Company IPS Website www.ipspay.net Geographical presence North/Latin America, Europe, Middle East/Africa, Asia/Pacific Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet ≈ Mobile/SMS/IVR  Alternative payment methods ≈ Offline ≈

Company ISD Financial Website www.isdfinancial.com Geographical presence North/Latin America Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet ≈ Mobile/SMS/IVR  Alternative payment methods  Offline 

PSP BUYER‘S GUIDE 2010

Company Ixaris Systems Website www.ixaris.com Geographical presence Europe, Asia/Pacific , North/Latin America, Middle East/Africa Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

Company Javien Website www.javien.com Geographical presence North/Latin America Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR ≈ Alternative payment methods  Offline 

Company JCB Website www.jcbcorporate.com Geographical presence North/Latin America, Europe, Middle East/Africa, Asia/Pacific Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking ≈ E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

PSP BUYER‘S GUIDE 2010

Company Kaban Website www.kaban.com.ph Geographical presence Asia/Pacific Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

Company KBC Website www.kbc.com Geographical presence Europe Payment methods Credit cards ≈ Debit cards ≈ Pre-paid cards ≈ Online banking  E-wallet ≈ Mobile/SMS/IVR  Alternative payment methods  Offline 

Company Klarna Website www.klarna.se Geographical presence Europe Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR ≈ Alternative payment methods  Offline 

PSP BUYER‘S GUIDE 2010

Company Litle&Co Website www.litle.com Geographical presence North/Latin America Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking ≈ E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

Company MasterCard Payment Gateway Website www.mastercardpaymentgateway.com Geographical presence North/Latin America, Europe, Middle East/Africa, Asia/Pacific Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet ≈ Mobile/SMS/IVR  Alternative payment methods  Offline 

Company Merchant e-Solutions Website www.merchante-solutions.com Geographical presence North/Latin America Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking ≈ E-wallet ≈ Mobile/SMS/IVR  Alternative payment methods  Offline 

PSP BUYER‘S GUIDE 2010

Mazooma is the first real-time online debit payment solution, providing US consumers with a safe, secure and convenient payment channel for online shopping. Consumers pay for purchases directly from their online banking with the financial institutions they know and trust. Mazooma is bank-

authenticated, allowing merchants to ship merchandise immediately.

Company Mazooma Website www.mazooma.com Keywords Debit, cash, online, instant, real time, retail, banking Contact Mr. Paul Phillipson, Managing Director USA, [email protected],1-888-771-1551 ext.242 Geographical presence USA Market segment(s) Retail (apparel, electronics, software) Active since (year) 2008 Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline  Services Unique Selling Points Consumers can now conveniently pay with cash online Real-time for consumer – no offline sign-up required, no waiting period, no micro deposits Maintains consumers‘ impulse to buy Addresses the challenges of fraud, shopping card abandonment and high cost of credit cards Merchant cost is 1% + $0.15/transaction Merchants receive instant authorization – orders can ship immediately, just like credit cards Fast, convenient and secure at no cost to the consumer Core services Online payment processing Pricing  Fraud prevention (measures)  Credit management (services)  Other services  Third Parties  Technology Direct connections?  Batch processing?  Per order processing? 

PSP BUYER‘S GUIDE 2010

Company MicroBilt Website www.microbilt.com Geographical presence North/Latin America, Europe, Middle East/Africa, Asia/Pacific Payment methods Credit cards  Debit cards  Pre-paid cards ≈ Online banking  E-wallet ≈ Mobile/SMS/IVR  Alternative payment methods ≈ Offline 

Company Millennium Payment Systems Website www.millenniumpayment.ca Geographical presence North/Latin America Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods ≈ Offline 

Company Mobile-for Website www.mobile-for.be Geographical presence Europe Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

PSP BUYER‘S GUIDE 2010

Mi-Pay is the largest independent direct channel top-up service provider in Europe and specialises in adding value to mobile initiated payment transactions. We also provide a range of innovative, award winning mobile money solutions including international airtime and money transfer services on a white label basis for clients across the world.

Company Mi-Pay Website www.mi-pay.com Contact Mr Steve Britton, Sales Director, [email protected], (M) +44 7802 359156 Geographical presence Europe, Middle East/Africa Market segment(s) Telecommunications, Finance, Retail Payments Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR Yes all these plus USSD services and mobile phone app‘s Alternative payment methods Airtime balance transfers, cash paid via recruited agents, ATM payments, merchant payments Offline ATM networks, merchants and agents Services Fraud prevention Customizable fraud rules, industry hot card lists and other hot lists, Black and white listing, 3D Secure, AVS/CVV2 Matrix, Post transaction automated and manual screening to detect new fraud patterns, PCI Certification, Identity Check Credit management  Additional services Services to smartcard and other contactless card companies, enabling mobile phones to be integrated into these systems, allowing the consumer to check and top-up card balances (for themselves and family/friends) as well as receiving suitable promotional offers relating to the service. Technology Direct connections? ≈ Batch processing?  Per order processing? 

Company MOL Website www. global.mol.com Geographical presence North/Latin America, Europe, Middle East/Africa, Asia/Pacific Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

PSP BUYER‘S GUIDE 2010

Company Mollie Website www.mollie.nl Geographical presence Europe Payment methods Credit cards ≈ Debit cards ≈ Pre-paid cards ≈ Online banking  E-wallet ≈ Mobile/SMS/IVR ≈ Alternative payment methods  Offline 

Company Moneris Website www.moneris.com Geographical presence North/Latin America Payment methods Credit cards  Debit cards  Pre-paid cards ≈ Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods ≈ Offline 

Company Moneta Website www.monetacorp.com Geographical presence North/Latin America Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

PSP BUYER‘S GUIDE 2010

Moneta.ru is one of leading Russian e-wallet and PSP. It accepts customers and merchants from any country. For its customers it provides online payments on merchant websites from various industries. PSP platform allows online merchants to accept payments from all major Russian e-

wallets and other payment solutions with one contract and integration.

Company Moneta.ru Website www.moneta.ru Keywords PSP, e-wallet, payment system, electronic payments, Russia, CIS, online payments Contact Mr. Ivan Domrachev, Business Development; tel: +7(495)743-4985; email: [email protected] Mr. Sergey Smirnov, CEO, tel: +7(495)743-4985, email: [email protected] Mr. Denis Pashutkin, CTO, tel: +7(495)743-4985, email: [email protected] Geographical presence Russia, CIS, Europe Market segment(s) Gaming, Gambling, Travel, Events, Retail, other Active since (year) 2005 Payment methods Credit cards Visa, MasterCard Debit cards Visa Electron, Maestro Pre-paid cards  Online banking Telebank, HandyBank, Bank24.ru, Platezh.ru E-wallet Neteller, Yandex.Money, WebMoney, MoneyMail, Money.Mail.ru, Wallet 1 Mobile/SMS/IVR Beeline SMS, Premium SMS for Russian operators Alternative payment methods Ukash Offline Payments kiosks: QIWI, Eleksnet, ComePay and others. Money transfer systems: Contact, Migom, Leader. Bank transfer, post transfer Connected companies (#) Companies PSP is connected to Services Unique Selling Points Complete PSP proposition for Russian and CIS market, immediate access to multimillion audience of all customers of third party solutions with one implementation and merchant contract, low fees Core services Full scope: payment processing, reconciliation, settlement, billing solutions Pricing Collecting payments  Distributing payments  Fraud prevention (measures) IP check, behavior and financial analysis, phone verification, passport and other ID verification Fraud prevention partners CONTACT System Credit management (services) Moneta.ru's solution is guaranteed: all customer payments are final and irrevocable Other services Third Parties Technology Direct connections  Batch processing  Per transaction processing  Merchant pages (direct model)  PSP pages (indirect model)  Interfaces Web services/SOAP, XML/HTML Form Security HTTPS, SSL+, PKI, client certificates, IP restriction, access login/password, payment password (security code)

PSP BUYER‘S GUIDE 2010

Moneybookers operates one of the largest e-wallets in the world with more than 13 million registered customers and €20bn in transaction volume. In addition to that Moneybookers 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).

Company Moneybookers Website www.moneybookers.com Keywords payment processing, accept credit cards, credit card processing, online payments, merchant services, merchant account, payment gateway, e-wallet Contact Mr Julian Artopé, [email protected] Geographical presence North/Latin America, Europe, Asia/Pacific, Middle East/Africa Market segment(s) Digital Media, Auction, Retail (apparel, electronics), Travel, Online Games Active since (year) 2001 Payment methods Credit cards Visa, MasterCard, American Express, JCB, Diners Club Debit cards Visa Electron, Visa Debit, Maestro, 4B, Carte Bleue, Dankort, Laser, CartaSi, PostePay, Euro6000, Solo Card Pre-paid cards Moneybookers MasterCard Pre-Paid Card Online banking Available in 42 countries E-wallet Moneybookers e-wallet Mobile/SMS/IVR SMS Payment Notifications, further mobile payment options being integrated Alternative payment methods Online Bank Transfer (instantaneously), EPS, DIRECTebanking, ePay.bg, Nordea, EC, Giropay, Sofortueberweisung, mBank, Inteligo, Pekao S.A., Netelis, eNets, Poli and many more Offline Bank accounts and bank transfer service with 80 local banking partners Services Unique Selling Points One contract, one integration – over 80 payment options worldwide, including risk and anti-fraud management Core services Enabling payment processing, risk and anti-fraud management, marketing to over 13million e-wallet users. Pricing Contact [email protected] Fraud prevention (measures) Velocities, Scoring, AF rules, etc. Chargeback protection available Credit management (services)  Other services Processing in more than 100 different currencies, instant settlement in 42 different currencies Third Parties  Technology Direct connections?  Batch processing?  Per order processing? 

PSP BUYER‘S GUIDE 2010

Company Moneydirect Website www.moneydirect.com Geographical presence North/Latin America, Europe, Asia/Pacific Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking ≈ E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline ≈

Company mopay Website www.mopay.com Geographical presence Asia/Pacific, Europe, Middle East/Africa, North/Latin America Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

Company mPayy Website www.mpayy.com Geographical presence North/Latin America Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

PSP BUYER‘S GUIDE 2010

Company MultiSafepay Website www.multisafepay.com Geographical presence Europe Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

Company MyECheck Website www.myecheckcorporate.com Geographical presence North/Latin America Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR ≈ Alternative payment methods  Offline ≈

Company My Payment Network Website www.mypaymentnetwork.com Geographical presence North/Latin America Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

PSP BUYER‘S GUIDE 2010

Company NAB Transact Website www.transact.nab.com.au Geographical presence Asia/Pacific Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

Company Neovia Financial Website www.neovia.com Geographical presence Asia/Pacific, Europe , Middle East/Africa, North/Latin America Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

Company Netsize SA Website www.netsize.com Geographical presence Asia/Pacific, Europe , Middle East/Africa, North/Latin America Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

PSP BUYER‘S GUIDE 2010

Companies worldwide, including some of the largest e-merchants, use Netgiro’s services to increase sales by offering their customers local ways to pay. Founded in 1997, Netgiro is a global full service payment provider with a portfolio of more than 200 global and local online payment methods. Netgiro is a subsidiary of Digital River, Inc.

Company Netgiro Systems AB – a subsidiary of Digital River Inc. Website www.netgiro.com Keywords Global, multi currency, local, alternative, full service, fraud Contact [email protected], US: +1 310-406-8481, EU and other: +46 (0)8 52 72 10 00 Geographical presence North and Latin America, Europe, Asia Pacific Market segment(s) Retail, travel, airlines, software, gaming, subscriptions, events, other Active since (year) 1997 Payment methods Credit cards All major credit cards incl. Visa, MasterCard, American Express, Diners, Discover, JCB Debit cards International debit cards such as Maestro International, Visa Debit and Electron. Local cards (credit and debit) such as Solo, Maestro UK, Laser Card, Dancard, Carta Sí, Carte Bleue, Carte Aurore, Carte LaSer, Carte 4étoiles, Hipercard, Aura. Over 60 local debit cards in China. 18 local debit cards in India. 12 local debit cards in South Korea Pre-paid cards ItzCash Card Online banking iDEAL, Sofortüberweisung, Giropay, EPS, Nordea Denmark, 4 banks in Sweden, 6 banks in Finland, 33 banks in India, 19 banks in South Korea E-wallet Paypal, Alipay, ClickandBuy Mobile/SMS/IVR PayMate, SMS and ARS, hosted mobile payment pages Alternative payment methods Konbini Payments, Pay-Easy, Card installments Offline Electronic Fund Transfer in over 20 countries, BPay, Boleto Bancario, Direct Debit (incl. ELV), Cheques Services Unique Selling Points Netgiro is a full-service payment provider who can support your business growth both in sales volume and in international reach. Over 13 years of experience with world leading e-merchants. Local cards and alternative payments in North America, Europe, Brazil, Mexico, China, South Korea, Japan, India and Australia. Global enterprise customization. Reconciliation and advanced reporting. Lowered costs for payments. Increased acceptance rates. Core services Streamlined and secure online payment processing via the PCI-certified payment platform, reconciliation and reporting, fraud management, chargeback management, currency services and consulting for all payment related questions. We offer customized solutions for global enterprises. Pricing Please contact the company for a proposal Fraud prevention (measures) Internal fraud protection engine ―Transaction Defender‖ Fraud protection measures provided by payment schemes such as CVV/CVC, 3DSecure and AVS Credit management (services)  Other services Subscription management, tokenization, Channel Partner Program. As part of the Digital River family of e-commerce solutions, the company offers a large portfolio of services including taxes, marketing tools, web analytics, checkout optimization and much more. Third Parties Local connections to acquirers and financial institutions in North America, Latin America, Europe and Asia Pacific. Integration with different ERP systems (incl. SAP) via partners. Technology Direct connections?  Batch processing?  Per order processing? 

PSP BUYER‘S GUIDE 2010

Company Nordea Website www.nordea.com Geographical presence Europe Payment methods Credit cards  Debit cards  Pre-paid cards ≈ Online banking  E-wallet ≈ Mobile/SMS/IVR  Alternative payment methods  Offline 

Company NSIApay Website www.nsiapay.com Geographical presence Asia/Pacific Payment methods Credit cards  Debit cards ≈ Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods ≈ Offline 

Company Obopay Website www.obopay.com/consumer/Welcome.do Geographical presence Asia/Pacific, North/Latin America Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

PSP BUYER‘S GUIDE 2010

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.

Company Ogone Website www.ogone.com Keywords ogone, payment, payments, gateway, online, merchant, internet, fraud Contact Mr Nico van Miltenburg – Head of Sales – [email protected] 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 Geographical presence Europe & more than 100 acquiring connections worldwide Market segment(s) Auction, retail (apparel, electronics, software), travel, ticketing, other Active since (year) 1996 Payment methods Credit cards Visa, MasterCard, American Express, Diners Club, JCB, UATP, AirPlus, Cofinoga Debit cards Maestro, Solo, Laser Card, Visa Electron, Bancontact/Mister Cash, Carte Bleue, PostFinance Card, Dankort Pre-paid cards Paysafecard, Cash Ticket Online banking giropay, EPS, Dexia Direct Net, ING Home‘Pay, KBC/CBC, eDankort, PostFinance E-Finance E-wallet PayPal, Wallie Card, Minitix, 1Euro.com Mobile/SMS/IVR PingPing, mpass Alternative payment methods ELV Germany, ELV Austria, Machtiging Offline Bank transfer Services Unique Selling Points Seamless & secure payments Core services Online payment processing, fraud prevention, reconciliation Pricing Please contact our Sales Team – [email protected] Fraud prevention (measures) PCI DSS, 3-D Secure, blocking rules and filters, scoring module Credit management (services)  Other services Consultancy, merchant account facilitation Third Parties Specific industry solutions partners: Amadeus, Sabre Airline Solutions, Radixx, micros fidelio, Ticketscript Shop software connectors: Magento, ePages, Actinic, XT Commerce, OS Commerce Technology Direct connections?  Batch processing?  Per order processing? 

PSP BUYER‘S GUIDE 2010

Company Offerpal Media Website www.offerpalmedia.com Geographical presence North/Latin America, Europe, Asia/Pacific, Middle East/Africa Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking ≈ E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

PacNet offers a broad suite of inbound and outbound payment services, including multi-currency merchant accounts, credit and debit card processing, local electronic payments such as ACH, BACS, SEPA, multi-currency cheque processing, Check 21, scanning solutions, bank transfer collection and more. Contact us to discuss your domestic and international payment needs.

Company PacNet Services Ltd. Website www.pacnetservices.com Contact Mr. Brendan Mahar, Business Development Manager, [email protected], +1 604 689 0399 Geographical presence North/Latin America, Europe, Middle East/Africa, Asia/Pacific Market segment(s) Auction, Retail (apparel, electronics, software), Travel, Events, Other Payment methods Credit cards Visa, MasterCard Debit cards Visa Electron, Dankort, Visa Debit CarteBleue, Maestro Pre-paid cards  Online banking Facilitate acceptance of local electronic payments E-wallet  Mobile/SMS/IVR  Alternative payment methods Local Electronic Payments - inbound, outbound and direct debit Offline Cheque and postal money order processing, scanning solutions, bank transfer collection Services Fraud prevention Credit management Additional services Technology Direct connections?  Batch processing?  Per order processing? 

PSP BUYER‘S GUIDE 2010

Company Orca Website www.orcaone.com Geographical presence North/Latin America Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking ≈ E-wallet ≈ Mobile/SMS/IVR  Alternative payment methods  Offline 

Company Pago Website www.pago.de Geographical presence Europe, North America Payment methods Credit cards  Debit cards  Pre-paid cards ≈ Online banking  E-wallet ≈ Mobile/SMS/IVR ≈ Alternative payment methods  Offline 

Company Paybox Services Website www1.paybox.com Geographical presence Europe Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet ≈ Mobile/SMS/IVR  Alternative payment methods  Offline 

PSP BUYER‘S GUIDE 2010

Company PayByCash Website www.paybycash.com Geographical presence North/Latin America, Europe, Middle East/Africa, Asia/Pacific Payment methods Credit cards ≈ Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

Company PayDutch Website www.paydutch.nl Geographical presence Europe Payment methods Credit cards ≈ Debit cards ≈ Pre-paid cards  Online banking  E-wallet ≈ Mobile/SMS/IVR ≈ Alternative payment methods  Offline 

Company PayFast Website www.payfast.co.za Geographical presence Asia/Pacific, Middle East/Africa Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

PSP BUYER‘S GUIDE 2010

PayXpert, has rapidly gained a reputation for fairly priced, excellent service. Its buying power, diverse banking network and industry expertise means just one call can get you the best offer. The group‘s cutting edge technology ensures security and availability across the breath of telecom and internet payment channels.

Company PayXpert BV Website www.payxpert.com Keywords Merchant account, Payment Service Provider, High Risk, Gaming, Adult, IVR, SMS Contact Scott Barker, UK Sales Director, [email protected] Geographical presence Europe, Latin America, North America, Middle East Market segment(s) General E-commerce, Auction, Retail, Gaming, Events, Adult, Astrology, Hotels and Travel Active since (year) 2008 Payment methods Credit cards Visa, MasterCard, American Express, Diners Club Debit cards Visa Electon, Visa Delta, Maestro, Switch and Solo (Maestro UK), Carte Bleue Pre-paid cards  Online banking GiroPay, ELV E-wallet  Mobile/SMS/IVR Push SMS, MMS, Call Center, Premium Numbers, WAP solutions, IVR applications Alternative payment methods E-ticketing, login delivered through customizable email Offline POS terminals available through banking partners Connected companies (#) 12 Acquiring Banks Companies PSP is connected to  Services Unique Selling Points Experienced Staff, Bank Independent, simple well documented integration, intuitive web-based reporting, Excellent uptime. Core services Online payment processing, Premium rate numbers, Push SMS, IVR Pricing Competitive Collecting payments  Distributing payments  Fraud prevention (measures) AVS, CVV, CV2, 3D Secure available but not mandated, IP Geolocation.BIN range, Merchant configurable velocity checks, Proprietary measures. Fraud prevention partners Maxmind, Ethoca Fraud Fighting Community Credit management (services)  Other services Microbilling, Premium rate numbers Third Parties McAfee SECURE certified reseller Technology Direct connections  Batch processing  Per transaction processing  Merchant pages (direct model)  PSP pages (indirect model)  Interfaces SOAP, XML, API, PHP, Java Security HTTPS, SSL, PCI DSS Level 1

PSP BUYER‘S GUIDE 2010

Company PayGate Website www.paygate.co.za Geographical presence Asia/Pacific, Europe , Middle East/Africa, North/Latin America Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

Company Paylane Website www.paylane.com Geographical presence Europe Payment methods Credit cards  Debit cards  Pre-paid cards ≈ Online banking ≈ E-wallet ≈ Mobile/SMS/IVR  Alternative payment methods ≈ Offline 

Company PayLeap Website www.payleap.com Geographical presence North/Latin America Payment methods Credit cards  Debit cards  Pre-paid cards ≈ Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods ≈ Offline 

PSP BUYER‘S GUIDE 2010

Company Paylid Website www.paylid.com Geographical presence North/Latin America, Europe, Middle East/Africa, Asia/Pacific Payment methods Credit cards  Debit cards  Pre-paid cards ≈ Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

Company Paylife Website www.paylife.at Geographical presence Europe Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR ≈ Alternative payment methods  Offline 

Company Paymate Website www.paymate.com Geographical presence US, Australia, New Zealand Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

PSP BUYER‘S GUIDE 2010

Company PaymentOne Website www.paymentone.com Geographical presence North/Latin America Payment methods Credit cards  Debit cards  Pre-paid cards ≈ Online banking  E-wallet ≈ Mobile/SMS/IVR  Alternative payment methods  Offline 

Company PayNearMe Website www.paynearme.com Geographical presence North/Latin America Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

Company Paynova Website www.paynova.com Geographical presence North/Latin America Payment methods Credit cards  Debit cards  Pre-paid cards ≈ Online banking  E-wallet ≈ Mobile/SMS/IVR  Alternative payment methods  Offline 

PSP BUYER‘S GUIDE 2010

Company PAY.ON Website www.payon.com Geographical presence North/Latin America, Europe, Middle East/Africa, Asia/Pacific Payment methods Credit cards  Debit cards ≈ Pre-paid cards  Online banking ≈ E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

Company Payoneer Website www.payoneer.com Geographical presence North/Latin America, Europe, Middle East/Africa, Asia/Pacific Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR ≈ Alternative payment methods ≈ Offline 

Company PayPal Website www.paypal.com Geographical presence North/Latin America, Europe, Middle East/Africa, Asia/Pacific Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

PSP BUYER‘S GUIDE 2010

Company PayPoint Website www.paypoint.com Geographical presence North/Latin America, Europe, Middle East/Africa, Asia/Pacific Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking ≈ E-wallet ≈ Mobile/SMS/IVR  Alternative payment methods  Offline 

Company PayQuicker Website www.payquicker.com Geographical presence Asia/Pacific, Europe, Middle East/Africa, North/Latin America Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

Company paysafecard Website www.paysafecard.com Geographical presence Europe, North/Latin America Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

PSP BUYER‘S GUIDE 2010

Company PaySimple Website http://www.paysimple.com Geographical presence North/Latin America Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking ≈ E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

Company Paysquare Website www.paysquare.nl Geographical presence Europe Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods ≈ Offline 

Company paythru Website www.paythru.com Geographical presence Asia/Pacific, Europe, North/Latin America Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

PSP BUYER‘S GUIDE 2010

Company PayTrace Website www.paytrace.com Geographical presence North/Latin America Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

Company PayU Website www.payu.pl Geographical presence Europe Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking ≈ E-wallet ≈ Mobile/SMS/IVR ≈ Alternative payment methods ≈ Offline 

Company Payvision Website www.payvision.com Geographical presence Asia/Pacific, Europe, Middle East/Africa, North/Latin America Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

PSP BUYER‘S GUIDE 2010

Company PBS Website www.pbs.dk Geographical presence Europe Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet ≈ Mobile/SMS/IVR  Alternative payment methods ≈ Offline 

Company Pivotal Payments Website www.pivotalpayments.com Geographical presence North/Latin America Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

Company Plastyc Website www.plastyc.com Geographical presence North/Latin America Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

PSP BUYER‘S GUIDE 2010

Company Platnosci Website www.platnosci.pl Geographical presence Europe Payment methods Credit cards  Debit cards  Pre-paid cards ≈ Online banking ≈ E-wallet ≈ Mobile/SMS/IVR  Alternative payment methods  Offline 

Company PlaySpan Website corp.playspan.com Geographical presence North/Latin America, Europe, Middle East/Africa, Asia/Pacific Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking ≈ E-wallet  Mobile/SMS/IVR ≈ Alternative payment methods  Offline 

Company plimus Website www.plimus.com Geographical presence Asia/Pacific, Europe, Middle East/Africa, North/Latin America Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

PSP BUYER‘S GUIDE 2010

Company Postbank Transact Website www.postransact.com Geographical presence Europe Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods ≈ Offline 

Company PostFinance Website www.postfinance.ch/index.html.en Geographical presence Europe Payment methods Credit cards  Debit cards  Pre-paid cards ≈ Online banking  E-wallet ≈ Mobile/SMS/IVR  Alternative payment methods  Offline 

Company ProPay Website www.propay.com Geographical presence North/Latin America, Europe, Middle East/Africa, Asia/Pacific Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking ≈ E-wallet ≈ Mobile/SMS/IVR  Alternative payment methods  Offline 

PSP BUYER‘S GUIDE 2010

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 140+ banks in 22 countries, the company offers solutions in the fields of Electronic Image-based Check Clearing, Mobile Payment, Automated Clearing House (ACH) and Intelligent Signature Recognition.

Company ProgressSoft Website www.progressoft.com Keywords ProgressSoft, electronic check clearing, mobile payments, Automated Clearing House, direct debit, direct credit, automated signature verification Contact Mr. Michael Wakileh – CEO; Tel: +962 6 56 23 000; Email: [email protected] Mr. Ali Fada – CTO; Tel: +962 6 56 23 000; Email: [email protected] Geographical presence Middle East/Africa Market segment(s) Retail (software) Active since (year) 1989 Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline Bank Transfer Connected companies (#)  Companies PSP is connected to  Services Unique Selling Points Paperless Environment, Faster Payment Processing, More Accurate Fraud Detection Core services Electronic Image-based Check Clearing, Automated Clearing House (Direct Debit/Direct Credit), Mobile Payments, Automated Signature Verification Pricing - Collecting payments  Distributing payments  Fraud prevention (measures) Signature Verification on Checks and any other Financial Documents 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 Web Services, SOAP, XML, Message Queues and TCP Security HTTPS, SSL, PKI, Digital Certificates and Digital Signatures

PSP BUYER‘S GUIDE 2010

100

Company Pure Commerce Website www.pure-commerce.com Geographical presence North/Latin America, Europe, Middle East/Africa, Asia/Pacific Payment methods Credit cards  Debit cards  Pre-paid cards ≈ Online banking  E-wallet ≈ Mobile/SMS/IVR  Alternative payment methods ≈ Offline 

Company Quadrant Website www.quadrant.com Geographical presence North/Latin America, Europe, Middle East/Africa, Asia/Pacific Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet ≈ Mobile/SMS/IVR  Alternative payment methods ≈ Offline 

Company Rahaxi Website www.rahaxi.com Geographical presence North/Latin America, Europe, Middle East/Africa, Asia/Pacific Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet ≈ Mobile/SMS/IVR  Alternative payment methods ≈ Offline 

PSP BUYER‘S GUIDE 2010

101

Doing business via the internet: fast, safe and simple. Rabobank enables this by providing flexible online payment solutions. You can use iDEAL and MiniTix as a standalone payment method, but you could also decide to integrate an online cash register on your website. This way your customers can pick their payment method of choice.

Company Rabobank Website www.rabobank.nl search for ―online kassa‘s‖ Contact Mr C.J.Scholte, product manager Financial Logistics, [email protected], (+31) 030 2160429 Geographical presence Netherlands Market segment(s) All e-commerce activities Payment methods Credit cards MasterCard, Visa, Amex, Diners Club Debit cards  Pre-paid cards  Online banking iDEAL E-wallet MiniTix Mobile/SMS/IVR Rabo SMS Betalen Alternative payment methods Hyves Afrekenen, My Order Offline  Services Fraud prevention (measures) Fraud detection module (regarding credit card transactions) Credit management Multiple currencies: EUR, USD, GBP; Call center solution; Reconciliation via downloadable files with transaction information Additional services www.rabobank.nl/particulieren/ Technology Direct connections?  Batch processing?  Per order processing? 

Tried and trusted by thousands of businesses all over the world, RBS WorldPay supports the complex payment processing, risk management and reconciliation requirements of the largest enterprises.

Company RBS WorldPay Website www.rbsworldpay.com Keywords PSP, merchant services, acquiring, payment, multi currency, international, cross border Contact +44 (0)845 301 6251 / local numbers available on www.rbsworldpay.com Geographical presence North America, Europe, Asia/Pacific Market segment(s) All segments domestic and international Active since (year) 1993

PSP BUYER‘S GUIDE 2010

102

Company RBS WorldPay - continued Payment methods Credit cards Visa (incl. VbV), MasterCard (incl. MCSC), American Express, Diners, JCB, Carte Bancaire, Maestro/Switch, Laser, Discover, Dankort

Debit cards Maestro, ELV, Laser, Debit MasterCard Pre-paid cards  Online banking iDEAL, ELV, Giropay, Yellowpay (PostFinance Card and PostFinance E-finance) and e-banking solutions in various countries E-wallet PayPal Mobile/SMS/IVR Alternative payment methods Mail and telephone, billing, subscription, face to face payments recurring payments (direct debit and standing order style payments from debit/credit cards) Offline ‗Acceptgiro‘, money transfer, cheques, direct debits, VVV-voucher Connected companies (#) #50 Acquirers Companies PSP is connected to +50 major acquirers and banks world-wide Services Unique Selling Points Expertise: decades of experience helping the largest multi-national companies expand internationally with expertise and software to support complex cross-border payment acceptance. Breadth of payment methods: accept and reconcile a unique breadth of international and country- specific payment methods. Capacity: high capacity/TPS option for peak load processing (ticketing, online product launch and other event-driven scenarios, for example). Risk management: tools for automated fraud detection and prevention with consultancy services for analysis, design and optimisation. History in high-risk and gambling sectors but increasingly adopted by merchants in other high-volume sectors (retail, online content, consumer electronics). Identity and eligibility management: international age and identification services built-in. Multi-channel: internet, telephone and mail order, face-to-face. Core services Online payment processing and acquiring for ‗wide reach‘ cross border trading with range of international and local payments methods. Reconciliation and risk management services built-in. Pricing Based on requirements and volumes Collecting payments  Distributing payments  Fraud prevention (measures) 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 Fraud prevention partners 192.com, Ethoca Credit management (services) Full range Other services FX services, Corporate Global Banking, Cash & Liquidity Management, Acquiring/Merchant Services Third Parties None Technology Direct connections  Batch processing  Per transaction processing  Merchant pages (direct model)  PSP pages (indirect model)  Interfaces HTML, XML (specs on request), numerous shopping carts, increasing numbers of CRM systems Security HTTPS, SSL+, PCI Compliant

PSP BUYER‘S GUIDE 2010

103

PSP BUYER‘S GUIDE 2010

104

Realex Payments are a leading European Payment service provider, processing over £8Bn for 3,500 businesses across Europe. Fully PCI Certified by Visa and MasterCard, the company builds and manages multi channel payment solutions for businesses to exacting standards, in terms of security, flexibility, innovation and reliability.

Company Realex Payments Website www.realexpayments.co.uk Contact Mr Andrew Yoakley, Head Business Development UK & Ireland Geographical presence Europe Market segment(s) Auction, retail (apparel, electronics, software), travel, gaming, events, other Payment methods Credit cards All MasterCard and Visa branded cards. Amex, Diners Debit cards All MasterCard and Visa branded cards, UKDM/Switch/Solo and Laser Pre-paid cards All MasterCard and Visa branded cards Online banking  E-wallet  Mobile/SMS/IVR IVR Alternative payment methods iDeal and ELV Offline  Services Fraud prevention (measures)  Credit management  Additional services  Technology Direct connections?  Batch processing?  Per order processing? 

Company Recurly Website www.recurly.com Geographical presence North/Latin America, Europe Payment methods Credit cards  Debit cards ≈ Pre-paid cards ≈ Online banking ≈ E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

PSP BUYER‘S GUIDE 2010

105

Company Redecard Website www.redecard.com.br Geographical presence North/Latin America Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking ≈ E-wallet  Mobile/SMS/IVR ≈ Alternative payment methods ≈ Offline 

Company RentPayment Website www.rentpayment.com Geographical presence North/Latin America Payment methods Credit cards  Debit cards ≈ Pre-paid cards ≈ Online banking  E-wallet ≈ Mobile/SMS/IVR  Alternative payment methods  Offline 

Company RevolutionMoney Website www.revolutionmoney.com Geographical presence North/Latin America Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods ≈ Offline 

PSP BUYER‘S GUIDE 2010

106

Company Rixty Website www.rixty.com Geographical presence North/Latin America Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

Company Rollcomm Worldwide Website www.rollcomm.com Geographical presence Europe, Middle East/Africa, Asia/Pacific Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline ≈

Company SafeCharge Website www.safecharge.com Geographical presence Europe Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking ≈ E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

PSP BUYER‘S GUIDE 2010

107

Company SaferPay Website www.saferpay.com Geographical presence Europe, Asia/Pacific, North/Latin America Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR ≈ Alternative payment methods  Offline ≈

Company SafetyPay Website www.safetypay.com Geographical presence Europe, North/Latin America Payment methods Credit cards ≈ Debit cards ≈ Pre-paid cards ≈ Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

Company SagePay Website www.sagepay.com Geographical presence Europe Payment methods Credit cards  Debit cards  Pre-paid cards ≈ Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

PSP BUYER‘S GUIDE 2010

108

Company Secure Paytech Website www.securepaytech.com Geographical presence Europe Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

Company SecureNet Website www.securenet.com Geographical presence North/Latin America Payment methods Credit cards  Debit cards ≈ Pre-paid cards ≈ Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

Company SecurePay Website www.securepay.com.au Geographical presence Asia/Pacific Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking ≈ E-wallet ≈ Mobile/SMS/IVR  Alternative payment methods  Offline ≈

PSP BUYER‘S GUIDE 2010

109

Company Secure Trading Website www.securetrading.com Geographical presence Europe Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking ≈ E-wallet ≈ Mobile/SMS/IVR  Alternative payment methods  Offline 

Company Sepay Website www.sepay.nl Geographical presence Europe Payment methods Credit cards  Debit cards  Pre-paid cards ≈ Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

Company SIX Pay Website www.six-pay.com Geographical presence Europe Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

PSP BUYER‘S GUIDE 2010

110

PSP BUYER‘S GUIDE 2010

111

Smart2PayTM is a Payment Service Provider offering alternative, non-reversible online payment methods (online bank transfer, wallets, vouchers) covering more than 62 countries. Regular bank transfer is also supported in over 30 countries. The company is a one-stop shop for leading merchants selling over the internet globally.

Company Smart2Pay Website www.smart2pay.com Keywords online payments, alternative payments, non-reversible, largest global coverage, incredible personal service Contact [email protected] Geographical presence Global, Europe, North America, South America, Middle East, Africa, Asia, Pacific Market segment(s) Travel, Airline, Retail, Gaming, Financial Services, Social Networking, General E-commerce Active since (year) 2002 Payment methods Credit cards All major brands: Visa, MasterCard, JCB, Amex, Diners Many local brands worldwide Debit cards CarteBleue, Maestro, Visa Electron, Chinese debit cards Many other local cards worldwide Pre-paid cards Many international and local ones Online banking Yes (currently we cover 25 different countries) E-wallet Yes, global coverage of several methods Mobile/SMS/IVR  Alternative payment methods Yes (currently in 62 different countries) Offline Bank Transfer in more than 30 countries, quickest reporting Connected companies (#) 25 Acquirers Companies PSP is connected to  Services Unique Selling Points Largest payment portfolio of alternative methods worldwide, flexible offering according to merchant‘s needs, incredible Personal Service, in-house IT, changes on-the-fly Core services Online payment processing Pricing Please contact us for detailed information Collecting payments  Distributing payments  Fraud prevention (measures) Various fraud prevention mechanisms are in place Fraud prevention partners Please contact us for detailed information Credit management (services) Credit management is currently not available Other services Please contact us for detailed information Third Parties  Technology Direct connections  Batch processing  Per transaction processing  Merchant pages (direct model)  PSP pages (indirect model)  Interfaces Single interface Security Latest technology

PSP BUYER‘S GUIDE 2010

112

Company Social Gold/Jambool Website www.jambool.com Geographical presence North/Latin America, Europe, Middle East/Africa, Asia/Pacific Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking ≈ E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

Company Sofinco Website www.sofinco.fr Geographical presence Europe Payment methods Credit cards  Debit cards  Pre-paid cards ≈ Online banking  E-wallet ≈ Mobile/SMS/IVR ≈ Alternative payment methods ≈ Offline 

Company Sterling Commerce Website www.sterlingcommerce.com Geographical presence North/Latin America, Europe, Middle East/Africa, Asia/Pacific Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet ≈ Mobile/SMS/IVR  Alternative payment methods ≈ Offline 

PSP BUYER‘S GUIDE 2010

113

Company Streamline Website www.streamline.com Geographical presence Europe Payment methods Credit cards  Debit cards  Pre-paid cards ≈ Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods ≈ Offline 

Company SUI Credit Service Website www.shimatomo.com/sui/english/service.html Geographical presence Asia-Pacific Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

Company SUI Credit Union Website www.siucu.org Geographical presence North/Latin America Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet ≈ Mobile/SMS/IVR ≈ Alternative payment methods  Offline 

PSP BUYER‘S GUIDE 2010

114

Company Telecash Website www.telecash.de Geographical presence Europe Payment methods Credit cards  Debit cards  Pre-paid cards ≈ Online banking  E-wallet ≈ Mobile/SMS/IVR ≈ Alternative payment methods ≈ Offline 

Company Thai Epay Website www.thaiepay.com Geographical presence Asia Payment methods Credit cards  Debit cards ≈ Pre-paid cards ≈ Online banking  E-wallet ≈ Mobile/SMS/IVR  Alternative payment methods  Offline ≈

Company The Universal Air Travel Plan (UATP) Website www.uatp.com Geographical presence North/South America, Asia-Pacific, EMEA Payment methods Credit cards  Debit cards ≈ Pre-paid cards ≈ Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

PSP BUYER‘S GUIDE 2010

115

Company Transaction Network Services Website www.tnsi.com Geographical presence Asia/Pacific , Europe, North/Latin America Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

Company Transecute Website www.transecute.com Geographical presence Asia/Pacific Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

Company TransUnion Website www.transunion.com Geographical presence North/Latin America, Europe, Middle East/Africa, Asia/Pacific Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet ≈ Mobile/SMS/IVR  Alternative payment methods  Offline 

PSP BUYER‘S GUIDE 2010

116

Company Travelex Website www.travelex.com Geographical presence North/Latin America, Europe, Middle East/Africa, Asia/Pacific Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet ≈ Mobile/SMS/IVR  Alternative payment methods  Offline 

Company Tsys Website www.tsys.com Geographical presence North/Latin America, Europe, Middle East/Africa, Asia/Pacific Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking ≈ E-wallet  Mobile/SMS/IVR  Alternative payment methods ≈ Offline 

Company TWYP Website www.twyp.nl Geographical presence The Netherlands, Belgium, Germany, Luxembourg, Poland, Romania Payment methods Credit cards  Debit cards  Pre-paid cards ≈ Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

PSP BUYER‘S GUIDE 2010

117

PSP BUYER‘S GUIDE 2010

118

Company Ukash Website www.ukash.com/global/en/home.aspx Geographical presence North/Latin America, Europe, Asia/Pacific Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

Company United Tranz*actions Website www.acmeft.net Geographical presence North/Latin America Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

Company UpClick Inc. Website www.upclick.com Geographical presence Europe, North/Latin America Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

PSP BUYER‘S GUIDE 2010

119

Company UseMyServices Website www.usemyservices.com Geographical presence Europe, North/Latin America Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR ≈ Alternative payment methods  Offline 

Company Valitor Website www.valitor.com Geographical presence Europe Payment methods Credit cards  Debit cards  Pre-paid cards ≈ Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods ≈ Offline 

Company Veracity Website www.veracity.com Geographical presence North/Latin America Payment methods Credit cards  Debit cards  Pre-paid cards ≈ Online banking  E-wallet ≈ Mobile/SMS/IVR  Alternative payment methods ≈ Offline 

PSP BUYER‘S GUIDE 2010

120

Company Verifone Website www.verifone.com Geographical presence North/Latin America, Europe, Middle East/Africa, Asia/Pacific Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

Company Verotel Website www.verotel.com Geographical presence North/Latin America, Europe Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

Company Visa Website corporate.visa.com/index.shtml Geographical presence North/Latin America, Europe, Middle East/Africa, Asia/Pacific Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

PSP BUYER‘S GUIDE 2010

121

Company Wells Fargo Website www.wellsfargo.com Geographical presence North/Latin America, Europe, Middle East/Africa, Asia/Pacific Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet ≈ Mobile/SMS/IVR  Alternative payment methods  Offline 

Company WePay Website www.wepay.com Geographical presence North/Latin America Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

Company Wirecard CEE (formerly Qenta) Website www.wirecard.at/en/home.html Geographical presence Europe Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

PSP BUYER‘S GUIDE 2010

122

Wirecard AG is an international provider of electronic payment and risk management solutions. Wirecard Bank AG is a Principal Member of Visa and MasterCard, a licensed acquirer for JCB, Diners Club® and Discover, operating in more than 69 countries around the world. Wirecard AG is

listed on the Frankfurt Securities Exchange (TecDAX, ISIN DE0007472060, WDI).

Company Wirecard AG Website www.wirecard.com Keywords online payment, ecommerce, risk management, acquiring, issuing credit cards, online banking, alternative payment methods Contact Frank Böttger, Vice President Payment & Risk; [email protected], +49 89 4424 1498 Geographical presence Europe, Middle East, Asia Pacific, North America Market segment(s) Airline/ Travel, Consumer Goods, Digital Goods Active since (year) 1999 Payment methods Credit cards Visa, MasterCard, American Express, Diners Club, Discover, JCB, UATP, AirPlus, China Unionpay Debit cards Maestro (Switch/Solo, Maestro UK and Maestro International), CartaSi, Laser Card, Visa and MasterCard debit cards (Visa Electron, Carte Bleue, Carte Bancaire, Dankort, PostePay amongst others), Chinese debit cards, 8 domestic Philippines‘ bank cards Pre-paid cards paysafecard, cashticket, mywirecard.com, Ukash Online banking EPS, iDEAL, giropay, sofortüberweisung, ACH E-wallet PayPal, Moneybookers, WebMoney, @QUICK Mobile/SMS/IVR paybox Alternative payment methods Invoice, cash in advance Offline National Direct Debit (ELV DE/AT), bank transfers, EBICS, SWIFT, SEPA Direct Debit, SEPA Credit,Pago Facil, Boleto Bancário, cash deposits Philippines, SmartMoney Connected companies (#) Wirecard Bank AG (Acquirer), Wirecard Retail Services GmbH (PoS), Wirecard Communication Service GmbH (Call center) Companies PSP is connected to Connected to more than 100 acquiring banks worldwide Services Unique Selling Points Extensive portfolio of international and domestic payment methods; Global network of partnering financial institutions and acquiring banks; Unique range of risk management and fraud protection services; Comprehensive financial services based on own banking license. Multichannel approach: supporting all sales channels (Internet, PoS, call center); B2C and B2B Payment Solutions. Integration by means of a single technical interface provides customers with immediate access to more than 85 different payment and risk management methods Partnership with leading industry-specific service providers such as Amadeus, SITA, Accelya, Experian and e-velopment: Wirecard provides ―end-to-end‖ industry solutions; supporting downstream business processes with interfaces to ERP/merchandise management/logistics/debtor management or accounting systems. Unparalleled customer service levels and system availability, 24/7 multilingual helpdesk. Staff with extensive industry experience, in various market segments /industries Core services Payment Processing Services (all distribution channels like Internet, MOTOPoS), Risk Management & Fraud Protection, Financial Services (Acquiring, Banking, Currency Management, Issuing) Pricing flexible pricing models Collecting payments  Distributing payments  Fraud prevention (measures) Data Analytics, Automated Pattern Detection, Case Management, 3D Secure, CVC, AVS, IP/BIN Verification, Velocity Checks, Black/Whitelists, Account Validation & Scoring, Device Fingerprinting Fraud prevention partners Interfaces to various 3rd party data providers Credit management (services) payment guarantee Other services 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

PSP BUYER‘S GUIDE 2010

123

PSP BUYER‘S GUIDE 2010

124

Company Wirecard AG - continued Technology Direct connections  Batch processing  Per transaction processing  Merchant pages (direct model)  PSP pages (indirect model)  Interfaces SOAP, HTTPS/XML, ISO8583, various batch file formats Security HTTPS, SSL+, sFTP, PGP encryption

Company WorldNet Website www.worldnettps.com Geographical presence Europe Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

Company YESpay Website www.yes-pay.com Geographical presence North/Latin America, Europe Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking ≈ E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

PSP BUYER‘S GUIDE 2010

125

Yandex.Money is the leading online payment system in Russia accepting payments for more than 2200 merchants and service providers. All payments are irrevocable, chargeback is not possible. Top-up options include prepaid scratch cards, plastic cards, online banking and cash – suitable for large unbanked Russia audience. Registered users – 6 000 000.

Company Yandex.Money Website money.yandex.ru Keywords Payment collection, payment service provider, payment gateway, e-wallet Contact Ms Maria Gracheva, Chief Marketing Officer, [email protected], +7 495 7392325 #8120 Geographical presence Russia Market segment(s) Retail, utility bills, telecom services, online advertising, travel, gaming, events, other Active since (year) 2002 Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods yes, cash-in machines Offline cash, bank transfers Services Unique Selling Points Payment collection from all over Russia, even unbanked regions; payments are irrevocable Core services Online payments for goods and services Pricing Depends on turnover and market segment Fraud prevention (measures) All payments are irrevocable – thus, no fraud; 3D Secure, online account validation, Velocity Rules, Blacklisting Credit management (services)  Other services Users: Invoicing, OTP authorization, p2p payments Merchants: Co-branded scratch cards, bonus code distribution system Third Parties  Technology Direct connections?  Batch processing?  Per order processing? 

PSP BUYER‘S GUIDE 2010

126

Company Youlayaway Website www.youlayaway.com Geographical presence North/South America Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

Company Zeus Research Website www.zeusresearch.com Geographical presence North/South America Payment methods Credit cards ≈ Debit cards ≈ Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

Company Zong Website www.zong.com Geographical presence North/Latin America, Europe, Middle East/Africa, Asia/Pacific Payment methods Credit cards  Debit cards  Pre-paid cards  Online banking  E-wallet  Mobile/SMS/IVR  Alternative payment methods  Offline 

PSP BUYER‘S GUIDE 2010

127

PSP BUYER‘S GUIDE 2010

128