X-Border Payments Optimization Tracker™ June 2017

Home , Chase Paymentech, Klarna, Novalnet, PayMate, Paymentwall, Payment gateway

X-BORDER PAYMENTS OPTIMIZATION TRACKER™ JUNE 2017

A MONTHLY UPDATE ON THE TRENDS AND PLAYERS DRIVING CROSS-BORDER PAYMENTS

X-Border marketplaces FedEx bridges The top performers and the need for international borders in the X-border space better payout solutions with BlueSnap – Page 9 in our provider directory – Page 5 (Feature Story) (News and Trends) – Page 17 (Scorecard)

X-Border Marketplaces And The Search for Better Payout Solutions

Table of Contents

What’s Inside 03 Behind the rush amongst payment service providers to offer settlements in multiple currencies.

Feature Story 05 Tomas Likar, VP of strategy and business development for Hyperwallet, on building a seamless payout process for cross-border marketplaces.

News & Trends 09 The latest headlines from around the world of cross-border commerce.

Methodology 13 The organizing framework for evaluating the industry players that deliver merchant payment processing services aimed at enhancing cross-border commerce.

Top 25 Rankings 14 The results are in. See who the top performers are.

Watch List 15 The newest additions to the Tracker’s Scorecard.

Scorecard 17 See how all the providers rank in our comprehensive provider directory.

About 96 Information on the X-Border Payments Optimization Landscape™ and PYMNTS.com.

y 2020, some 940 million cross-border shoppers Meanwhile, First Data announced the launch of its Global are expected to spend $1 trillion on eCommerce PFAC solution. The solution will give payment facilitators Btransactions, according to McKinsey. access to a single integration interface that can enable their merchants to seamlessly authorize transactions in And while growth in cross-border trade has created more than 150 currencies and make settlements in 17 new opportunities for businesses and consumers alike, currencies worldwide. for merchants supporting this growth, it has meant processing, accepting and making mass payments in a FedEx Cross Border is another company that is focusing host of currencies. on resolving cross-border payment pain points. The company has partnered with BlueSnap to facilitate sales From currency conversion and bank routing intricacies in multiple languages, currencies and payment types that to high-cost wire transfers, there are a host of issues global shoppers expect when they buy online. that merchants struggle with to make payments to their suppliers and other business partners. And, SWIFT recently announced the launch of its new cross-border payments tracker, which allows international To solve these payment pain points quickly and efficiently, payments to be followed in real time. The tracker, SWIFT payment service providers are increasingly collaborating said, has been designed to improve liquidity with cash and rolling out new solutions intended to ease the forecasts and limit exposure to forex risks associated with complicated process of transacting and settling in multiple same-day processing of funds in a beneficiary’s time zone. currencies. The secret sauce to improving cross-border payouts The June edition of the X-Border Payments Optimization For the June Tracker feature story, PYMNTS caught up with Tracker™ looks at the players that are easing multicurrency Tomas Likar, VP of strategy and business development for mass payments for cross-border commerce and ranks the Hyperwallet, a San Francisco–-based payment solutions industry players in the space. provider that globally offers payments solutions.

Here’s a look at some notable recent X-border news: From partnering with acquiring banks and a host of other New York–based Transpay is ramping up its support for vendors to setting up a treasury operations for managing B2B and B2P transactions with the addition of new funding risk and keeping businesses afloat, Likar explained the currencies to its roster. The company has extended its challenges merchants face in building out a seamless support for 11 settlement currencies to eliminate the need payout process and touched upon the growing demand for for converting funds prior to settlement, which in turn a Venmo-like cross-border payment experience in the B2B makes payments faster and more cost-effective. space.

X-Border Tracker June Updates The June Tracker’s provider directory features 157 global payments service providers, with five new additions: Areto Systems, CNG Pro, DalPay, Docdata and Ikajo. Additionally, there are updated scores and information in the provider directory for three companies: AltaPay, First Data and Payza.

50% The share of eWallets 53% as a payment method for eCommerce sales Percentage of Brazilians in China who shopped on international merchant websites in 2016 73% Percentage of Russian shoppers FIVE who used payment on delivery for their cross-border purchases FAST FACTS in Q1 2017 13% American eCommerce 5X sites that are targeting Arab shoppers by The cost of cross-border translating web shipping in comparison pages in Arabic to domestic shipping in European Union

Sellers are used to apps like Venmo and PayPal for their consumer needs. The same expectations are now transferring to the business side, where everyone wants to get paid by the next business day and doesn’t want to pay more than a dollar or two for the service.

hen it comes to expanding operations eCommerce marketplaces operating out of the U.S. internationally, making payments to sellers and struggle to deal with the difficulties, inefficiencies and Wvendors is often an uphill battle for cross-border costs associated with international payment processes. marketplaces. These challenges often prevent companies from expanding to other markets. Entering a new market typically means setting up entirely new payout infrastructure. Companies need to partner But most of these issues, Likar pointed out, share a with acquiring banks and a host of other vendors in the common element: They are each rooted in the marketplace region, in addition to setting up a treasury operation for payout process. managing risk and keeping the business afloat. In doing so, marketplaces run the risk of creating a negative user For marketplaces, a major contributor to the problem is the experience and, according to Tomas Likar, VP of strategy wide use of decidedly low-tech paper checks when making and business development for Hyperwallet, hurting their cross-border payments. brands. “[They] are really relying on the speed of the post service In a recent interview, Likar discussed the need for speed to deliver that check, and unsurprisingly, many of these in B2B transactions, as well as the pain points of cross- checks get lost,” he said. border marketplaces and the elements that go into A number of marketplaces also partner with acquiring building a seamless payout process. Likar told PYMNTS banks and make payments using wire transfers, which that the payout side of cross-border businesses — as it are typically delivered in three to six days but can take currently stands — remains fragmented, with the absence as long as two weeks in certain countries. Because the of standardized payment rails that are commonly used for cost is unpredictable and wires are expensive to send, domestic transactions. marketplaces usually wait until a payee has reached a Injecting speed into cross-border payments minimum credit on their account before the company will According to a recent Hyperwallet study, one-third of make the payment.

Likar explained that making payments on a weekly or daily Meanwhile, on the seller’s side of the equation, basis is a smarter way to handle working capital. Paying expectations are continuing to change with the growth in sellers in short intervals leads to more buying and selling, popularity of P2P payment apps. which can make a visible impact on a marketplace’s bottom line. “Sellers are used to apps like Venmo and PayPal for their consumer needs. The same expectations are now Some marketplaces make faster payments by maintaining transferring to the business side, where everyone wants to multiple accounts in different countries. As Likar noted, get paid by the next business day and doesn’t want to pay this enables them to quickly disburse funds to a local more than a dollar or two for the service,” Likar explained. vendor without making a cross-border wire transfer. It’s a “That’s nearly impossible to achieve if you don’t have the viable strategy when operations are limited to a couple of scale as a marketplace.” international markets, but it can quickly become capital- intensive as marketplaces expand. Another imperative aspect of extending a seamless user experience to sellers on a marketplace platform is “It’s difficult from the banking relationship standpoint developing more efficient methods of data collection. because there are some banks that will get you into Many marketplaces, Likar pointed out, collect quite a bit multiple countries,” Likar said, “but in most cases, you will of data during onboarding, such as a seller’s bank account have to find a new partner for each country.” information or details for identity verification.

Creating the ideal cross-border payout process While speed is a crucial element, the key to building the perfect payout process is developing relationships with You have to have a business partner banking partners in different markets. who understands what you do “You have to have a business partner who understands what you do and how you do it,” Likar explained. “That part and how you do it. takes the longest time.” That part takes the longest time. And while it’s relatively easy to set that up in the U.S. or across Europe, the process gets exponentially more difficult as a business enters its fifth or sixth new market, “This can lead to a half-hour signup process. It’s not he said. surprising that most sellers never finish,” he said. To Aside from setting up the banking relationship, there decrease this churn, marketplaces need to reduce the are operational challenges that need to be taken care friction in their systems by asking for information at of, ranging from verifying the identity of sellers before a different points in the process. payment is processed to providing support in cases of “It’s more about collecting the right data points at the right delayed payments. To top it all off, Likar said, the payout time.” needs to be transparent enough to let a seller know when and how they are getting paid.

Making payments, X-border, into the future under the hood While Likar pointed out that progress has been made in improving the speed of cross-border payments, there’s been an increasing demand for transparency in foreign exchange rates and transaction fees. And although there may be an expectation for a Venmo-like experience in cross-border B2B and B2C transactions, offering it is not an easy feat, particularly with the risk of money laundering associated with international transactions. However, Likar How does Hyperwallet help is confident that the industry is headed in that direction. cross-border marketplaces tackle payment inefficiencies? “Sellers will be able to log in, and within 30 seconds they will be able to complete their cross-border transaction,” he said, adding that the procedure will let sellers know when the funds hit their bank accounts. It will also help ensure that they are receiving the exact amount of money that “The value proposition that we have was agreed upon and are not being charged undisclosed to our corporate customers is fairly intermediary fees and foreign exchange rates. simple: We can take over all of their outgoing payout transactions with However, there’s still more work to be done. a single integration, and we manage all the complexities on our end. “It’s not the same experience in 200 countries. We’ll keep adding to our platform so that we can deliver a consistent We have integrations with different experience no matter where you are,” Likar said. financial partners who create a global network that is our proprietary network. Marketplaces are pushing to provide a faster and If regulations change, we work to simplified user experience, but it may be a while before address those changes. So setting improvements become industry-wide, as Likar pointed up a relationship with us can help out. Nonetheless, the increasing demand for a more user- marketplaces expand into new friendly experience may well drive development of cross- countries more quickly than if they border payment solutions in the future. were to attempt to do this on their own.

Some of our clients have quickly scaled from being in one country to being in 100 countries within a six-month period.”

TOMAS LIKAR, VP of strategy and business development for Hyperwallet

First Data makes push for cross-border For U.S. merchants, the partnership is hoped to ease payments acceptance of payments from millions of international customers who are already familiar with using Alipay, It’s been a busy past few weeks for payment service according to First Data. provider First Data. The company recently partnered with several industry players for the development of new New settlement solution launched for PayFacs solutions aimed at improving multicurrency settlements. In other news, First Data has announced the rollout of its Global PFAC solution, which gives payment facilitators First Data and Flywire partner to ease international access to a single integration interface that can enable payments their merchant partners to seamlessly authorize First Data and Flywire, a payment service provider, are transactions in over 150 currencies and make settlements collaborating to develop a seamless integration between in 17 currencies worldwide. Flywire’s international payment and receivables platform and First Data’s client network and technology solutions. The solution, according to the company, has been The partnership is intended to allow Flywire to expand structured into two programs that makes it easier for its card payment options while making them more cost- PayFacs to manage payments for their customers. Its effective for its customers. First Data, on the other hand, Single MID program allows them to manage all of their will be able to leverage Flywire’s platform to enable its merchants with a single account, whereas, its Multi MID clients to accept lump sum international payments from program allows PayFacs to separate accounts for each their customers and provide greater transparency and customer, meanwhile accessing other First Data products easier reconciliation. and services.

The move paves the way for First Data to increase its penetration in the B2B, education and health care segments, the company said in a statement.

Alipay’s rollout to be powered by First Data in North America In its bid to improve cross-border payments for merchants and consumers, First Data will soon be launching Alipay at the point-of-sale (POS) terminals of its 4 million U.S.-based business clients.

Alipay, with 450 million active users, is currently the largest online and mobile payment platform in the world. While the ACI Worldwide expands reach payment method is extensively used for in-app payments, U.K.-based ACI Worldwide made news for partnering with its partnership with First Data is intended to help it further other payment service providers for a host of offerings, its presence in stores across the U.S. and expands its use which will be powered by its UP eCommerce payment for offline payments at brick-and-mortar stores across the platform. world.

Bambora partners with ACI Worldwide for fraud processing costs along with higher authorization rates, management according to a press release. ACI Worldwide has teamed up with with Bambora, a Swedish payment service provider, to support merchants ACI’s P2PE solution now PCI-compliant based in Australia and New Zealand with its fraud ACI also grabbed headlines recently for is making management solution called ACI ReD Shield, which is part upgrades to its payments platform. The company has of its UP eCommerce Payments solution. announced that its point-to-point encryption (P2PE) solution, which is part of its UP Merchant Payments The partnership comes at a time when Bambora is looking platform, has been validated to meet the PCI P2PE solution to further expand its presence in Australia and New standard. Zealand. The encryption technique offers improved data security to Using ACI’s ReD Shield solution, the company will be both consumers and merchants. It also helps merchants able to offer real-time fraud prevention and gain greater reduce the time and money they have to invest in their visibility into its trove of transactional data for effective annual assessment to stay compliant under the PCI DSS, fraud detection, according to a press release. said Andrew Quartermaine, vice president of software-as- a-service solutions at ACI Worldwide, in a press release.

X-border players push for easier settlements Transpay adds funding currencies to ease multicurrency mass payments Businesses looking to expand their cross-border operations and sales often struggle with making multicurrency mass payments, and that’s a problem Transpay is hoping to solve.

Pay360 leveraging ACI Worldwide’s solution to The New York–based company recently announced expand global acquiring reach improvements to its B2B and B2P transaction support, Pay360 has entered into a five-year deal with ACI with the addition of new funding currencies to its roster. Worldwide to build upon its card-acquiring capabilities Businesses partnering with Transpay can now fund their and extend its services in various markets, including the accounts in 11 settlement currencies, including Singapore U.K., Europe, North and South America, the Middle East, dollars, Hong Kong dollars and Australian dollars), and Africa. The U.K.-based payment service provider is according to a company press release. the latest payment service provider integrating ACI’s UP eCommerce Payments solution. The company plans on For businesses operating in the newly added currencies, leveraging the solution to connect with local acquirers the move eliminates the need for converting funds prior to in its target markets and offering lower interchange and settlement, which in turn makes payments faster and more cost-effective.

When sending bank wires, marketplaces and digital it’s looking to partner with more companies in the same platforms often pay double conversion fees for first bracket. converting into U.S. dollars or Euros and then to the receiver’s local currency, said Joe Tumbarello, CFO and Muxi and Planet Payment to offer multicurrency COO of Transpay. He added that with Transpay’s added processing on POS terminal applications support for settlement in other currencies, businesses Muxi, a software solutions company, has entered into a can now operate in their local currencies while getting referral agreement with Planet Payment to integrate Planet maximum value from each transaction. Payment’s multicurrency solutions into its POS terminal applications, which are used by acquiring banks and processors.

The partnership will allow acquiring banks and processors to offer multicurrency processing to their merchant partners, which in turn will enable international customers to pay in the currency of their choice at POS terminals in other countries.

Mergers and Acquisitions AltaPay buys IPS for stronger omnichannel payment offerings Airwallex takes its payment service to Europe with AltaPay also recently went in acquisition mode to expand Tencent funding its offerings. The Danish company is taking over IPS Ltd., a Airwallex, an Australian cross-border payments startup, U.K.-based payment solutions provider, to deliver a unified has raised $13 million in its Series A funding to fuel omnichannel solution that underpins streamlined online, its expansion in Asia-Pacific and Europe. Thefunding mobile and POS payments. round was led by Tencent and saw participation from Mastercard, Sequoia China and Gobi Ventures. The unified solution is intended to give AltaPay’s clients greater transparency into their transactions and will The company, which facilitates cross-border B2B simplify implementation of the same payment terminal payments, is working with Tencent to reduce operational across stores in different countries with automated costs of its WeChat Pay service abroad. The company’s financial reconciliation. Additionally, it will help merchants primary focus, however, remains scaling international reduce the cost of staying PCI DSS–compliant, according payments for financial institutions and insurance to a press release. companies, said Airwallex CEO Jack Zhang in a recent interview. B+S Card Service and PAYONE are merging in Q3 2017 Some of the Melbourne-based startup’s clients are Payment service provider PAYONE and B+S Card Service, reportedly forecasting transaction volume worth billions a German cashless POS provider, are joining forces later of dollars by the end of the year, and the company said this year. The new entity will be called BS PAYONE and

will provide consolidated payment services for brick-and- The partnership integrates FedEx’s international shipping mortar retail and eCommerce sectors in Europe. service with BlueSnap’s payment gateway, with the intention of helping merchants improve their global The new company will reportedly serve nearly 225,000 outreach. customers in 18 countries, with an annual volume of over 1 billion transactions. BlueSnap’s payment gateway supports cross-border merchants by connecting them with over 20 acquiring The two companies, in their current iterations, are owned banks through a consolidated API and a single by DSV group, which wholly owns B+S Card Service and underwriting process. holds an 80 percent stake in PAYONE. SWIFT unveils real-time tracker SWIFT has announced the launch of its new payments tracker, which allows international payments to be traced in real time. The Tracker, SWIFT said in a press release, is one of the cornerstone functionalities of its SWIFT GPI service that combines real-time payments tracking with same-day settlement for international payments.

In its current version, the tracker provides corporate treasurers with real-time, end-to-end view of payments along with notifications that confirms the delivery of funds in a recipient’s account. Additionally, it has been designed FedEx and BlueSnap partner for cross-border to improve liquidity with cash forecasts and limit exposure payment solutions to forex risks associated with same-day processing of FedEx Cross Border and BlueSnap are collaborating to funds in a beneficiary’s time zone. enable online merchants to expand their cross-border presences. Using BlueSnap’s Powered Buy platform, FedEx The tracker can be integrated with an open API, which Cross Border merchants will be able to facilitate sales in makes it compatible with proprietary banking systems multiple languages, currencies and payment types that worldwide. global shoppers expect when they buy online.

X-Border Payments Optimization TrackerTM The PYMNTS.com X-Border Payments Optimization Tracker™ is designed to provide an organizing framework for evaluating the many players that provide merchant payment processing services geared for cross-border payments.

Provider Profiles We identified leading cross-border payment service providers by researching numerous industry directories and Google searches. The list of providers will grow over time.

We researched provider websites to gather information on key attributes important to serving the needs of cross-border merchants. Scoring for the X-Border tracker includes:

Risk/Compliance Services Geographies Export and tax compliance, tax Regions served, currencies and burden, and merchant of record languages, and office locations

Fraud Tools PCI compliance, tokenization, 3D Secure, address verification services, Payment Methods order linking, Payment methods, proxy piercing, digital wallets, transaction account-on-file, scoring, end-to- recurring billing, end encryption, acquirers chargeback connected to, and automation, IP acquirer services geolocation, device fingerprinting, velocity checks

Developer Toolkits APIs, eCommerce plug-ins, programming languages, Omnichannel shopping carts, account Mobile and tablet POS, number updater services of operating systems supported, and EMV

score 13 53 score tie 01 84 tie score 14 48 score tie 02 81 tie score 15 46 score 03 78 tie score 16 45 score NEW 04 75 tie score 17 44 score tie 05 69 tie score 17 44 score tie 06 66 tie score 17 44 score tie 07 57 tie score 17 44 UPDATE score tie 07 57 tie score 21 43 score 09 55 tie score 22 42 score tie 09 55 tie score 22 42 score tie 11 54 tie score 22 42 score tie 11 54 tie score 22 42 tie

PYMNTS will periodically update scores based on new developments. If you would like your company to be considered for inclusion in the Tracker’s Scorecard or wish to have an existing listing reconsidered for an update, please head over to our profile submission/update page.

New Additions to the X-BorderTM Tracker

The X-Border LandscapeTM is a graphic representation of the Top 10 payment service providers in six categories important to optimizing a merchant’s cross-border payments operations. The highest ranked providers are listed to the right of the graphic.

Industry standard Best-in-class

Payment Methods     

Geographies    

Developer Tools 

  

Risk and Compliance    

Fraud Tools     

Omnichannel  

Indicates top scoring company in at least 4 categories.  *Top 10 are based on final scores. There may be ties in each position, creating more than 10 companies per category.

The PYMNTS.com X-Border Payments Optimization Tracker™ is designed to provide an organizing framework for evaluating the many players that provide cross-border merchant payment processing services.

Provider profiles include company overviews, the year the company launched, and number of customers and annual revenue, when available. Profiles also include a total score derived from quantifying the services offered in each of six areas important to cross-border payments:

RISK AND GEOGRAPHIES DEVELOPER TOOLS COMPLIANCE score PAYMENTS FRAUD TOOLS OMNICHANNEL METHODS

Directory listings begin on next page 

GEOGRAPHIES DEVELOPER Total RISK 0 3 3 Launch Date: 1999 23 Customers: 100,000 FRAUD PAYMENTS OMNICHANNEL Pricing: N/A 3 8 6

2000Charge/Global Clearing Solutions specializes in alternative payment solutions, covering a broad spectrum of payment methods and target markets. 2000Charge provides a complete solution that includes integration, end user support, transaction management tools, geotargeting, fraud controls and more.

GEOGRAPHIES DEVELOPER Total RISK 0 3 0 Launch Date: 1999 21 Customers: 50,000 FRAUD PAYMENTS OMNICHANNEL Pricing: 2.9% + $0.30 5 7 6

2C2P (Cash and Card Payment Processor) is a Southeast Asian comprehensive payment solutions provider aiming to transform millions of everyday payments across Asia. The company offers a number of services tailored for the needs of eCommerce and m-commerce merchants, banks and nancial institutions of all sizes.

GEOGRAPHIES DEVELOPER Total RISK 0 13 9 Launch Date: 1999 36 Customers: 50,000 FRAUD PAYMENTS OMNICHANNEL Pricing: 2.9% + $0.30 4 4 6

2Checkout is a global payments provider that enables businesses and organizations to accept payments anywhere, anytime. The solution offers eight payment methods in 26 currencies, and can settle in 25 home currencies. 2Checkout offers both hosted checkout forms and APIs, and integrates with more than 100 shopping carts.

GEOGRAPHIES DEVELOPER Total RISK 0 10 0 Launch Date: 2005 18 Customers: N/A FRAUD PAYMENTS OMNICHANNEL Pricing: N/A 1 1 6

4cash is an Independent Sales Organization (ISO) that supports tailor-made merchant accounts with digital payment methods.

GEOGRAPHIES DEVELOPER Total RISK 4 4 8 Launch Date: 2004 28 Customers: N/A FRAUD PAYMENTS OMNICHANNEL Pricing: N/A 7 5 0

Abilipay Ltd. is an outsourcing service provider that specializes in payment processing, risk management, billing and credit control. The company’s efforts are geared toward Web-based merchants, covering a wide range of payment methods and target markets.

GEOGRAPHIES DEVELOPER Total RISK 0 9 8 Launch Date: 2015 39 Customers: N/A FRAUD PAYMENTS OMNICHANNEL Pricing: N/A 7 9 6

Acapture, a global omnichannel PSP, designs solutions that eliminate the obstacles modern online merchants face in their payment processing and support cross-border growth. Acapture’s system features SlicePay for simplified allocation of funds to multiple parties from a single transaction, flexible reporting for improved data analysis, a one day integration using one RESTful API, a streamlined reconciliation process, 20 ecommerce platform plugins and the ability to handle 60+ of the most popular alternative payment methods and 150+ transaction currencies.

GEOGRAPHIES DEVELOPER Total RISK 0 7 3 Launch Date: 2000 18 Customers: N/A FRAUD PAYMENTS OMNICHANNEL Pricing: N/A 7 1 0

Accertify Inc., a wholly-owned subsidiary of American Express, is a provider of fraud prevention, chargeback management and payment gateway solutions for merchants spanning many industries worldwide. Accertify’s suite of products and services helps eCommerce companies grow their business by driving down the cost of fraud, simplifying business processes, and ultimately increasing revenue.

GEOGRAPHIES DEVELOPER Total RISK 11 19 8 Launch Date: 1975 81 Customers: +5,100 organizations FRAUD PAYMENTS OMNICHANNEL Pricing: $450 B 15 16 12

ACI Worldwide, the Universal Payment (UP) company, provides electronic payments support to organizations around the world. ACI executes $14 trillion each day in payments and securities. In addition, the company provides electronic bill presentment and payment services. Through the company’s comprehensive suite of software and SaaS-based solutions, ACI delivers payments capabilities geared toward creating omnichannel experiences.

GEOGRAPHIES DEVELOPER Total RISK 0 13 4 Launch Date: 2006 54 Customers: 3,500 FRAUD PAYMENTS OMNICHANNEL Pricing: N/A 9 13 15

Adyen is a payments technology company that provides businesses with a single global platform to accept payments anywhere in the world. Driven by a vision to improve customer experience, streamline processes and increase revenue, Adyen enables businesses to process payments across online, mobile and point of sale (POS), with over 250 payment methods and 187 transaction currencies.

GEOGRAPHIES DEVELOPER Total RISK 0 6 0 Launch Date: 2004 19 Customers: 300 million users FRAUD PAYMENTS OMNICHANNEL Pricing: 2.0% – 3.0% 0 7 6

Launched in 2004 as an important participant in Alibaba Group’s ecosystem, Alipay provides secure, trustworthy, and convenient online and mobile payment services. Alipay currently collaborates with over 200 nancial institutions and provides payment solutions for nearly 10 million small and micro businesses. As of December 2013, Alipay reached 300 million real-name registered users.

GEOGRAPHIES DEVELOPER Total RISK 0 11 8 Launch Date: 2002 31 Customers: 125 million users FRAUD PAYMENTS OMNICHANNEL Pricing: 1.95% + $0.20 3 9 0

Allied Wallet continues to in uence the eCommerce industry by introducing new and innovative payment processing solutions for online merchants, helping them to send and receive global payments. With PCI compliant merchant services for businesses of different sizes, Allied Wallet provides a state-of-the-art payment gateway to optimize online transactions.

GEOGRAPHIES DEVELOPER Total RISK 8 5 10 Launch Date: 2008 44 Customers: 25 FRAUD PAYMENTS OMNICHANNEL Pricing: N/A 9 12 0

allpago operates as a payment gateway in Latin America, serving merchants and payment service. With one integration, it provides access to Visa, Mastercard, Diners, Amex, Discover, Elo, Boletos (Itaú, Bradesco), PayPal Brazil and over 150 payment methods worldwide. An API solution with a full set of transaction and post- transaction operations allows the solution to have 100% ERP integration.

GEOGRAPHIES DEVELOPER Total RISK 0 7 4 Launch Date: 2008 28 Customers: 40 FRAUD PAYMENTS OMNICHANNEL Pricing: N/A 3 8 6 Updated

AltaPay is a global payment management company, headquartered in Copenhagen, Denmark. Founded in 2008, the company (formerly known as Pensio) provides eCommerce businesses with global payment processing solutions. AltaPay’s customers include Arvato Bertelsmann, boohoo.com, ECCO, Kate Spade, Live Gamer, and Toys “R” Us.

GEOGRAPHIES DEVELOPER Total RISK 0 5 7 Launch Date: 1999 26 Customers: 3.85% + €0.20 FRAUD PAYMENTS OMNICHANNEL Pricing: N/A 3 5 6

Alternative Payments Inc. provides online merchants with a complete set of payment solutions tailored to local markets around the world. Provides solutions for billing the 65% of Europeans that do not have credit cards. Processes any currency and settle in-bank account in US Dollars or Euros. Offers local language support & geotargeting forms.

GEOGRAPHIES DEVELOPER Total RISK 0 8 5 Launch Date: 2007 26 Customers: 2.9% + $0.30 FRAUD PAYMENTS OMNICHANNEL Pricing: N/A 2 11 0

Checkout by Amazon is a complete checkout and payment solution for eCommerce retailers. Merchants can offer the solution as a checkout or payment option on their retail websites, enabling millions of Amazon customers to make purchases using the information stored in their existing Amazon.com accounts.

GEOGRAPHIES DEVELOPER Total RISK 0 8 7 Launch Date: 1984 30 Customers: N/A FRAUD PAYMENTS OMNICHANNEL Pricing: N/A 5 10 0

Apco Pay is is the online payment solutions branch of Apco Group. Apco is a provider of hardware and automation products to the banking industry. The company is headquartered in Malta, with operations in 25 countries. Apco was recently acquired by PTLi, part of the Hili Ventures.

GEOGRAPHIES DEVELOPER Total RISK 0 9 7 Launch Date: 2011 25 Customers: N/A FRAUD PAYMENTS OMNICHANNEL Pricing: 1.75%–3% 1 8 1 New

Areto Systems is a Malta-based payment service provider that offers solutions to eCommerce merchants that operate in an array of industries, including travel, MLM, gaming, retail and tech support.

GEOGRAPHIES DEVELOPER Total RISK 0 5 5 Launch Date: 2000 32 Customers: N/A FRAUD PAYMENTS OMNICHANNEL Pricing: N/A 5 8 9

AsiaPay, an electronic payment solution and technology vendor and payment service provider, aims to bring advanced, secured, integrated and cost-effective electronic payment processing solutions to banks and e-businesses. The company works with international credit card, debit card and other prepaid card payments.

GEOGRAPHIES DEVELOPER Total RISK 0 3 3 Launch Date: 1987 23 Customers: N/A FRAUD PAYMENTS OMNICHANNEL Pricing: $250/month 3 11 3

Since 1987, Auric has been producing affordable and accessible payments processing solutions. As a payment application solutions provider, Auric aims to transform payments security and provide high-quality solutions that empower businesses with safe payments processing and PCI compliance. The company serves customers ranging from small and medium-sized businesses to some of the world’s largest companies and public sector organizations.

GEOGRAPHIES DEVELOPER Total RISK 0 7 3 Launch Date: 1996 33 Customers: 440,000 FRAUD PAYMENTS OMNICHANNEL Pricing: N/A 7 4 12

Since 1996, Authorize.Net has been a provider of payment gateway services, managing the submission of billions of transactions to the processing networks on behalf of merchant customers. Authorize.Net is a solution of CyberSource Corporation, a wholly owned subsidiary of Visa.

GEOGRAPHIES DEVELOPER Total RISK 8 16 3 Launch Date: 2006 31 Customers: N/A FRAUD PAYMENTS OMNICHANNEL Pricing: 4.9% + $2.5 3 1 0

Avangate is a digital commerce provider that enables the new services economy, helping software, cloud and online services companies sell their products and services via any channel, acquire customers across touchpoints, increase retention, leverage smarter payments, experiment on the fly and optimize their business in order to increase overall revenue.

GEOGRAPHIES DEVELOPER Total RISK 8 4 3 Launch Date: 1999 27 Customers: 1 billion user FRAUD PAYMENTS OMNICHANNEL Pricing: 2% – 5% 3 3 6

Bango powers payment and analytics on the mobile Web. The solution’s presence across the Web creates a platform effect for partners by identifying hundreds of millions of users and maximizing the number of one- click payments. Bango’s customers include Facebook, BlackBerry World, Windows Phone Store, Amazon, CNN, Cartoon Network and EA Mobile.

GEOGRAPHIES DEVELOPER Total RISK 0 3 3 Launch Date: 2009 18 Customers: 300,000 FRAUD PAYMENTS OMNICHANNEL Pricing: 13.5B annually 6 0 6

Bank of America Merchant Services, a joint venture between First Data and Bank of America, provides payment solutions by combining the technology and innovative products of First Data with the relationship strength and prominent global brand of Bank of America. Bank of America Merchant Services delivers payments, commerce, security and advice through more than 100 products and services to merchants of all sizes.

GEOGRAPHIES DEVELOPER Total RISK 0 5 5 Launch Date: 1966 26 Customers: 23,500,000 FRAUD PAYMENTS OMNICHANNEL Pricing: $371B 3 1 12

Barclaycard, part of Barclays Bank PLC, is a global payment business that helps consumers, retailers and businesses to make and take payments flexibly, and to access short-term credit and point of sale finance. The company is a pioneer of new forms of payments and is at the forefront of developing viable contactless and mobile payment schemes for today and cutting edge forms of payment for the future.

GEOGRAPHIES DEVELOPER Total RISK 0 8 6 Launch Date: N/A 21 Customers: N/A FRAUD PAYMENTS OMNICHANNEL Pricing: 2.1% – 3.5% fee 3 4 0

BillPro offers secure payment solutions for low- and high-risk industries. BillPro offers credit card, eCheck, ACH and international bank payments for all business types. BillPro also offers a Level 1 PCI DSS Compliant payment gateway that is fully integrated with many of the world’s largest gateways and shopping carts.

GEOGRAPHIES DEVELOPER Total RISK 0 10 9 Launch Date: 2011 44 Customers: 60,000 FRAUD PAYMENTS OMNICHANNEL Pricing: $0 transaction fees 2 11 12

BitPay is a payment service provider specializing in the peer-to-peer virtual currency bitcoin, which allows users to make instant transactions from anywhere in the world with no risk of fraud or chargebacks. Using BitPay, merchants can accept bitcoin as a payment method, just like they would with Visa, Mastercard, PayPal or cash. Merchants can choose what percentage of revenue is kept in bitcoin or converted to a fiat currency and direct deposited into their bank account. BitPay has also eliminated processing fees.

GEOGRAPHIES DEVELOPER Total RISK 0 3 7 Launch Date: 2003 31 Customers: 42,000 FRAUD PAYMENTS OMNICHANNEL Pricing: $11B 2 7 12

BluePay is a provider of technology-enabled payment processing for merchants and suppliers of any size in the United States and Canada. Through physical POS, online and mobile interfaces, as well as CRM and ERP software integrations, BluePay processes business-to-consumer and business-to business payments. The solution provides real-time settlement, reporting, and reconciliation, along with robust security features such as tokenization and point-to-point encryption.

GEOGRAPHIES DEVELOPER Total RISK 11 15 11 Launch Date: 2001 69 Customers: 2,000 FRAUD PAYMENTS OMNICHANNEL Pricing: N/A 12 14 6

BlueSnap is a global payments technology company that optimizes global, mobile checkout and drives higher payment conversions by as much as 40 percent for eCommerce merchants worldwide.

GEOGRAPHIES DEVELOPER Total RISK 0 8 0 Launch Date: 2009 14 Customers: 3 million users FRAUD PAYMENTS OMNICHANNEL Pricing: N/A 0 0 6

Boku is a frictionless payment system that transforms mobile phone numbers into safe and secure payment instruments. In 2009, Boku partnered with mobile operators around the world to enable their subscribers to purchase virtual goods simply using their mobile numbers. With Boku, customers can charge their purchases directly to their mobile bills using just their mobile numbers.

GEOGRAPHIES DEVELOPER Total RISK 0 9 7 Launch Date: 2007 42 Customers: $12B FRAUD PAYMENTS OMNICHANNEL Pricing: 40 million users 9 11 6

Merchants in more than 40 countries across North America, Europe and Australia can accept payments in more than 130 currencies using Braintree.

GEOGRAPHIES DEVELOPER Total RISK 0 8 3 Launch Date: 2005 27 Customers: N/A FRAUD PAYMENTS OMNICHANNEL Pricing: N/A 5 11 0

Braspag offers payment solutions in Latin America and the United States. In Brazil, it develops solutions for payment processing (payment gateways), reconciliation, anti-fraud, tokenization, checkout and hosted payment page. Braspag is a company of the Cielo Group.

GEOGRAPHIES DEVELOPER Total RISK 0 4 0 Launch Date: 1989 11 Customers: 250,000 FRAUD PAYMENTS OMNICHANNEL Pricing: N/A 3 1 3

B+S Card Service is a card acceptance service provider. It provides companies that wish to offer their customers cashless payment methods with the necessary infrastructure and all required services.

GEOGRAPHIES DEVELOPER Total RISK 0 10 3 Launch Date: 1999 34 Customers: N/A FRAUD PAYMENTS OMNICHANNEL Pricing: N/A 6 6 9

CardinalCommerce is the pioneer and global leader in enabling authenticated payment transactions in the card-not-present payments industry since 1999. Through one connection to its proprietary SafeCloud payment platform, CardinalCommerce enables friction-free, technology, neutral authentication and alternative payment services (including digital wallets and mobile commerce services).

GEOGRAPHIES DEVELOPER Total RISK 0 7 4 Launch Date: 2009 20 Customers: N/A FRAUD PAYMENTS OMNICHANNEL Pricing: N/A 5 4 0

CardPay offers online credit card processing with no subscription fees for a wide range of currencies and payoffs. It also integrates user-friendly payment gateway solutions.

GEOGRAPHIES DEVELOPER Total RISK 0 4 8 Launch Date: 1999 34 Customers: N/A FRAUD PAYMENTS OMNICHANNEL Pricing: £18 Monthly fee; 6.57 pence per trans. 4 6 12

Cardstream is a Level 1 PCI DSS compliant independent payment service solution that provides merchants with a secure and reliable payment gateway for processing debit and credit card transactions online, with a secure and reliable payment gateway, or with a real-time virtual terminal for mail and telephone orders. Cardstream processes card payments for all the U.K. acquirers and several European acquirers across all card types, including China UnionPay, and for all worldwide currencies. Cardstream is also able to work with merchants and acquirer partnerships to source the best possible account rates for merchants.

GEOGRAPHIES DEVELOPER Total RISK 0 9 6 Launch Date: 1985 57 FRAUD PAYMENTS OMNICHANNEL Customers: 280,000 Pricing: $750B 12 15 15

Chase Paymentech provides products and services for point-of-sale and card-not-present environments. Chase Paymentech offers payment solutions such as credit and debit cards, international payments, and electronic check processing as well as digital, alternative and mobile payment options.

GEOGRAPHIES DEVELOPER Total RISK 0 12 7 Launch Date: 2010 28 Customers: N/A FRAUD PAYMENTS OMNICHANNEL Pricing: 2.95% – 3.95% + £0.15 2 7 0

Founded in 2010, with offices in London, Singapore, Dubai and Mauritius, Checkout.com provides customizable online payments products and services for small and large online merchants.

GEOGRAPHIES DEVELOPER Total RISK 0 12 3 Launch Date: 2005 45 Customers: N/A FRAUD PAYMENTS OMNICHANNEL Pricing: N/A 8 13 9 New

CNG Pro is a European payment service provider (PSP) for international merchants that process card-not- present (CNP) transactions for online, mail and telephone orders. CNG’s network constitutes acquiring banks that connect over 175 acquirers and process 250 payment methods. The PSP supports more than 193 currencies in 162 countries and processes over 50 million transactions per year.

GEOGRAPHIES DEVELOPER Total RISK 0 8 8 Launch Date: 2010 29 Customers: N/A FRAUD PAYMENTS OMNICHANNEL Pricing: 0% 0 4 9

Coinify is a solution that allows people to buy and sell products and accept payments using bitcoin. The company enables merchants to accept bitcoin and get paid in local currency, eliminating the risk of chargebacks and fraud. Coinify offers online sellers seamless integration using payment buttons, shopping cart plug-ins and hosted invoicing. For brick-and-mortar shops, it offers desktop and mobile point of sale (mPOS) solutions.

GEOGRAPHIES DEVELOPER Total RISK 0 5 5 Launch Date: 1997 37 Customers: +10,000 FRAUD PAYMENTS OMNICHANNEL Pricing: N/A 6 12 9

Computop is a global payment service provider (PSP) that provides eCommerce, point of sale, m-commerce and Mail Order and Telephone Order (MOTO) payments globally. The company, founded in 1997, is headquartered in Bamberg, Germany, with local teams in the U.S., U.K. and China. Computop processes transactions totaling $9+ billion per year, for over 2,800 large international merchants in retail, travel and gaming.

GEOGRAPHIES DEVELOPER Total RISK 0 4 0 Launch Date: 1999 26 Customers: 165 million users FRAUD PAYMENTS OMNICHANNEL Pricing: N/A 3 4 15

Creditcall makes card acceptance simple from any device, anywhere. The solution can handle attended, unattended, online or mobile payments. Founded in 1996, Creditcall is a global business with offices in North America and Europe.

GEOGRAPHIES DEVELOPER Total RISK 0 5 4 Launch Date: 2012 14 Customers: N/A FRAUD PAYMENTS OMNICHANNEL Pricing: N/A 1 4 0

CURO Payments is a Collecting Payment Service Provider (CPSP) that offers global payment solutions to online sellers (business and ecommerce merchants). CURO payments is regulated by the Dutch Central Bank (DNB) and has a Cross-Border-Service Passport to almost every EU country. CURO payments supports the major credit card brands like Mastercard and Visa, alternative payment methods like iDEAL, SOFORT and BanContact/MisterCash and PayPal.

GEOGRAPHIES DEVELOPER Total RISK 0 5 8 Launch Date: 2015 24 Customers: N/A FRAUD PAYMENTS OMNICHANNEL Pricing: 1.8% – 5.5% per transaction 3 5 3

CX PAY B.V. is an independent payment gateway for merchant transactions, offering global card processing solutions to the local and international eCommerce industry. Based in Curacao and the Dutch Caribbean, CX PAY offers third-party integration, back of ce tools and fraud protection.

GEOGRAPHIES DEVELOPER Total RISK 8 12 6 Launch Date: 1994 55 Customers: 475,000 FRAUD PAYMENTS OMNICHANNEL Pricing: $7.5B 14 15 0

CyberSource is a wholly-owned subsidiary of Visa Inc. Over 400,000 businesses worldwide use CyberSource and Authorize.Net brand solutions to process online payments, streamline fraud management, and simplify payment security. The company maintains offices throughout the world, with regional headquarters in Singapore, Tokyo, Miami, Sao Paulo and Reading, U.K.

GEOGRAPHIES DEVELOPER Total RISK 8 5 3 Launch Date: N/A 24 Customers: N/A FRAUD PAYMENTS OMNICHANNEL Pricing: N/A 2 6 0

dLocal is a payment provider with a single solution focused on Latin America and other emerging markets. The company’s solutions aim to help eCommerce clients to make simple and risk-free inroads into emerging markets.

GEOGRAPHIES DEVELOPER Total RISK 0 7 7 Launch Date: 2004 26 Customers: N/A FRAUD PAYMENTS OMNICHANNEL Pricing: 2.3%+0.3 per transaction 5 4 3 New

DalPay is an Iceland-based PCI DSS level 1 merchant service provider that offers omnipayment solutions for international businesses. Its payment processing gateway processes payments from customers in U.S. dollars, Euros, British pounds, Japanese yen and Icelandic króna.

GEOGRAPHIES DEVELOPER Total RISK 0 5 0 Launch Date: 2006 14 Customers: N/A FRAUD PAYMENTS OMNICHANNEL Pricing: N/A 2 1 6

Danal, Inc., a majority owned U.S. subsidiary of Danal Co., is a provider of mobile business solutions enabling payments, commerce services, targeted marketing, and wallet services optimized for display, mobile and integrated devices. Danal, Inc. provides its merchant customers access to 4 billion subscribers in over 80 countries, representing $2 billion in annual worldwide transaction processing volume. The company directly processes payments for all Tier-1 U.S. carriers.

GEOGRAPHIES DEVELOPER Total RISK 0 9 0 Launch Date: 1996 28 Customers: 30,000 FRAUD PAYMENTS OMNICHANNEL Pricing: N/A 6 4 9

DataCash Group Ltd (part of Mastercard Incorporated) provides multi-channel global payment processing services and advanced fraud prevention and risk management solutions to merchants and banks. Advanced technology from DataCash enables customers to accept and process transactions in over 177 currencies from over 45 payment brands across eCommerce, m-commerce channels and cardholder present channels.

GEOGRAPHIES DEVELOPER Total RISK 4 8 8 Launch Date: 2000 37 Customers: N/A FRAUD PAYMENTS OMNICHANNEL Pricing: N/A 3 8 6

DialXS started in 2000 with payment solutions. The company is the partner for payment and telecom systems that allows consumers to make payments simply and safely.

GEOGRAPHIES DEVELOPER Total RISK 15 20 9 Launch Date: 1994 75 Customers: 11,000 FRAUD PAYMENTS OMNICHANNEL Pricing: N/A 11 20 0

Designed to increase speed to revenue while reducing risk, Digital River World Payments enables merchants of all sizes to process online payments through over 200 international payment options in more than 170 currencies. In 2014, Digital River World Payments processed more than $35 billion in online transactions across more than 240 countries and territories. In addition to international payment processing, Digital River’s services include checkout page optimization, solutions to manage PCI exposure and currency risk, as well as advanced back-office reconciliation services and business intelligence tools.

GEOGRAPHIES DEVELOPER Total RISK 0 7 5 Launch Date: 1999 24 Customers: N/A FRAUD PAYMENTS OMNICHANNEL Pricing: N/A 1 8 3 New

Docdata is an eCommerce service provider that offers a host of eCommerce solutions. Its solutions include fulfilment, management, full service solutions, click and collect, content improvement, online payment services, and business intelligence. The company provides solutions in online payment for retail stores, digital services and ticketing, among others.

GEOGRAPHIES DEVELOPER Total RISK 0 9 3 Launch Date: 1997 16 FRAUD PAYMENTS OMNICHANNEL Customers: N/A Pricing: N/A 0 4 0

Earthport is a regulated global financial services organization specializing in cross-border payments. Earthport provides a cost-effective and transparent service for secure international payments, servicing banks, money transfer organizations, payment aggregators, eCommerce businesses and foreign exchange businesses. Earthport delivers a “global ACH” capability using an innovative payments framework specifically designed for high volumes of low value cross-border payments. This provides its clients with access to local clearing schemes in over 60 countries.

GEOGRAPHIES DEVELOPER Total RISK 0 7 7 Launch Date: 2010 20 Customers: 12,000,000 FRAUD PAYMENTS OMNICHANNEL Pricing: N/A 2 4 0

EBANX removes all the barriers for International Merchants to sell online to Brazil. It offers an end-to-end payment solution across the entire ecommerce transaction flow, without the need for a local entity. Its mission is to provide solid bridges between global merchants and LatAm’s multicultural population. EBANXs believes people should have the power to choose and go further, and that’s why it offers local payment methods on the biggest websites worldwide.

GEOGRAPHIES DEVELOPER Total RISK 0 7 7 Launch Date: 2013 34 Customers: N/A FRAUD PAYMENTS OMNICHANNEL Pricing: 3.5% + €0.35 6 8 6

eComCharge is an all-in-one developer, supplier and system integrator. The solution helps merchants receive eCommerce payments. eComCharge solutions serve both payment service providers and online businesses that sell their goods and services to customers around the world.

GEOGRAPHIES DEVELOPER Total RISK 0 9 0 Launch Date: 2000 21 Customers: N/A FRAUD PAYMENTS OMNICHANNEL Pricing: N/A 3 3 6

ecoPayz is a global payment solutions provider offering instant, safe and convenient payment services to customers and businesses across the globe. Since its foundation, ecoPayz has successfully provided end-to- end, account and cardbased payment solutions to businesses and individuals worldwide, offering an instant, safe and fast means of moving money around the world.

GEOGRAPHIES DEVELOPER Total RISK 0 5 4 Launch Date: 2012 15 Customers: N/A FRAUD PAYMENTS OMNICHANNEL Pricing: N/A 2 4 0

EFT Global is a fully licensed and regulated online payments company that provides payment processing services for small, medium- and large-sized businesses, as well as merchants and individuals selling online internationally. The company is also a financial institution regulated by the Malta Financial Services Authority and the Central Bank of Malta.

GEOGRAPHIES DEVELOPER Total RISK 0 7 0 Launch Date: 1991 35 Customers: N/A FRAUD PAYMENTS OMNICHANNEL Pricing: N/A 8 14 6

Elavon is wholly owned by U.S. Bancorp and provides end-to-end payment processing solutions and services to more than 1.3 million customers in the U.S., Europe, Canada, Mexico, Brazil and Puerto Rico.

GEOGRAPHIES DEVELOPER Total RISK 0 10 7 Launch Date: 2002 43 Customers: N/A FRAUD PAYMENTS OMNICHANNEL Pricing: N/A 12 11 3

Since 2002, eMerchantPay has been a trusted payment service provider, partner and specialist that has delivered international online payment processing services to merchants across the globe. eMerchantPay’s payment processing solutions and fraud prevention services enable merchants to increase conversion ratios, expand customer reach and prevent fraud.

GEOGRAPHIES DEVELOPER Total RISK 11 8 3 Launch Date: 2008 39 Customers: N/A FRAUD PAYMENTS OMNICHANNEL Pricing: N/A 7 7 3

Emergent Payments offers global and local payments solutions that aim to help companies overcome the complexity of doing business in emerging markets like Latin America, Asia, India and Eastern Europe. It serves merchants in several industries including digital entertainment, games, software, services, mobile, education and electronics.

GEOGRAPHIES DEVELOPER Total RISK 0 4 8 Launch Date: 2001 24 Customers: N/A FRAUD PAYMENTS OMNICHANNEL Pricing: DKK 1999-2999/month + DKK 0.25 per transaction 2 4 6

ePay is a payment system based in Scandinavia. It offers payment solutions to small and large corporations located all around the world.

GEOGRAPHIES DEVELOPER Total RISK 0 11 3 Launch Date: 1996 20 Customers: N/A FRAUD PAYMENTS OMNICHANNEL Pricing: 15% of sales 1 5 0

Paycom.net, LLC, doing business as Epoch, is an Internet Payment Service Provider (IPSP) which enables online companies to accept global payments without the need to obtain and manage their own merchant account. It offers worldwide acceptance, multiple currencies, merchant tools, subscription and per-unit billing, customer service, and a suite of marketing and revenue features.

GEOGRAPHIES DEVELOPER Total RISK 0 7 0 Launch Date: 1994 17 Customers: 599,000 FRAUD PAYMENTS OMNICHANNEL Pricing: N/A 3 7 0

Euronet Worldwide facilitates the movement of payments around the world and serves as a critical link between our partners and their end consumers, both locally and globally. Euronet’s customers are served from three core business segments: Electronic Financial Transactions (EFT, including Payments Software), Prepaid (epay) and Money Transfer.

GEOGRAPHIES DEVELOPER Total RISK 0 4 0 Launch Date: 2005 14 Customers: N/A FRAUD PAYMENTS OMNICHANNEL Pricing: N/A 3 4 3

European Merchant Services (EMS) offers credit and debit card payment processing services to companies operating in the European market. EMS is a joint venture between First Data Corporation and ABN AMRO Bank’s International Card Services B.V. It features a payments platform, extensive reporting capabilities, in- house chargeback management and strong fraud support.

GEOGRAPHIES DEVELOPER Total RISK 4 10 8 Launch Date: 2007 30 Customers: N/A FRAUD PAYMENTS OMNICHANNEL Pricing: N/A 1 1 6

FedEx Trade Networks, the international freight forwarding arm of FedEx Corp., relaunched Bongo International as FedEx CrossBorder. It is positioned as an eCommerce technology solutions platform that enables online retailers to deal with cross-border commerce issues, such as regulatory compliance, secure payment processing, multi-currency pricing and credit card fraud protection. It also connects them to eCommerce consumers around the world.

GEOGRAPHIES DEVELOPER Total RISK 0 4 6 Launch Date: 1996 20 Customers: N/A FRAUD PAYMENTS OMNICHANNEL Pricing: N/A 3 4 3

Fidelity Payment Services is a credit card merchant service provider based in New York that allows businesses to accept credit cards as a form of payment. It also provide a full suite of payment services options to businesses and industries throughout the United States, including free gift cards, ACH and check services. The processing platforms utilized by Fidelity are responsible for more than 76% of America’s annual credit card processing volume.

GEOGRAPHIES DEVELOPER Total RISK 0 11 5 Launch Date: 1998 25 Customers: N/A FRAUD PAYMENTS OMNICHANNEL Pricing: N/A 5 4 0

First Atlantic Commerce provides global online payment solutions and credit card processing for merchants, banks and partners. The company offers 3-D SecureTM veri cation, pre-authentication services and risk management solutions.

GEOGRAPHIES DEVELOPER Total RISK 0 16 10 Launch Date: 1971 57 Customers: 6.2 million users FRAUD PAYMENTS OMNICHANNEL Pricing: N/A 6 10 15 Updated

First Data is a payment technology and services solutions provider with operations in 35 countries. Businesses in nearly 100 countries use First Data to process nearly 2,800 financial transactions per second, totaling $2.2 trillion a year. First Data’s selling point is its data analytics–driven point-of-sale technology.

GEOGRAPHIES DEVELOPER Total RISK 0 8 0 Launch Date: 2006 30 Customers: N/A FRAUD PAYMENTS OMNICHANNEL Pricing: N/A 9 13 0

FIS is a global leader in banking and payments technology as well as consulting and outsourcing solutions. With a long history deeply rooted in the financial services sector, FIS serves more than 14,000 institutions in over 130 countries. Headquartered in Jacksonville, Florida, FIS employs more than 40,000 people worldwide and holds leadership positions in payment processing and banking solutions.

GEOGRAPHIES DEVELOPER Total RISK 0 11 5 Launch Date: N/A 34 Customers: 1,500 FRAUD PAYMENTS OMNICHANNEL Pricing: N/A 3 9 6

Fondy is a payment platform that helps companies process online payments via websites, mobile applications and other Internet-connected devices. Fondy also offers cloud-based white-label solutions for banks, IPSPs and processing centers, providing internet-acquiring and financial settlement services.

GEOGRAPHIES DEVELOPER Total RISK 0 12 3 Launch Date: 2007 31 Customers: 120,000 FRAUD PAYMENTS OMNICHANNEL Pricing: N/A 0 4 12

Fortumo OU engages in the development, sale, service, support, and management of mobile payment solutions to application developers, social networks and digital goods vendors. The company works with organizations across the world, including those headquartered in Asia Pacific, Central and Eastern Europe, North America, Northern Europe, Western Europe, the Middle East, Africa and Latin America. It offers in-application purchasing solutions that enable developers to charge for premium features and sell virtual credits inside their applications using mobile operator billing. The solutions also support SMS-connectivity/mobile payments API to enable developers to integrate mobile payments with applications, games and Web services.

GEOGRAPHIES DEVELOPER Total RISK 0 15 8 Launch Date: 2015 42 Customers: 12 million+ users and FRAUD PAYMENTS OMNICHANNEL nearly 200 merchants Pricing: N/A 3 10 6

G2A Pay is an online payment gateway that offers merchants access to more than 200 payment methods. The company currently serves about 12 million merchants and supports over 80 currencies on its platform.

GEOGRAPHIES DEVELOPER Total RISK 0 12 8 Launch Date: 2015 46 Customers: N/A FRAUD PAYMENTS OMNICHANNEL Pricing: 2.5% + 0.22€ 7 10 9

Gate2Payments ApS is a European technology management company that provides eCommerce businesses with global payment solutions across all sectors. It implements payment solutions for its clients by connecting them to an array of global and local financial institutions through the Gate2Payments platform, as well as its own in-house solutions for processing credit and debit card transactions.

GEOGRAPHIES DEVELOPER Total RISK 0 5 1 Launch Date: N/A 21 Customers: N/A FRAUD PAYMENTS OMNICHANNEL Pricing: €15+vat/month + 3,5% for transaction 2 7 6

Gestpay from Grupo Banca Sella allow companies to cccept payments from any card, Paypal and other systems (in currencies other than Euro too), completely transferring management and responsibility of the data. It also increase conversions by allowing your customers to pay with one single click and automate back office operations with recurring payment.

GEOGRAPHIES DEVELOPER Total RISK 0 5 0 Launch Date: 2001 17 Customers: N/A FRAUD PAYMENTS OMNICHANNEL Pricing: N/A 2 7 3

Global Payment Connection is an independent consulting, support and full-service organization, specializing in card-not-present payments. Active in payments for over 15 years, the company has experience in the fast- moving market of online payments and utilizing payment technology to serve the needs of merchants and cardholders.

GEOGRAPHIES DEVELOPER Total RISK 0 4 0 Launch Date: 1998 20 Customers: 2,500,000 FRAUD PAYMENTS OMNICHANNEL Pricing: N/A 3 4 9

Global Payments Inc. is a provider of electronic transaction processing services for merchants, Independent Sales Organizations (ISOs), financial institutions, government agencies and multi-national corporations located throughout the United States, Canada, Europe and the Asia-Pacific region.

GEOGRAPHIES DEVELOPER Total RISK 0 6 3 Launch Date: 2005 25 Customers: N/A FRAUD PAYMENTS OMNICHANNEL Pricing: N/A 5 11 0

Globebill, an international payment solutions provider specializing in global card processing for the eCommerce market, offers acquiring banks, PSPs, ISOs and their merchants a PCI-DSS compliant international payment processing platform. Globebill helps companies accept payments via credit card, debit card and alternative payment methods from more than 70 countries.

GEOGRAPHIES DEVELOPER Total RISK 0 5 9 Launch Date: 2012 42 Customers: N/A FRAUD PAYMENTS OMNICHANNEL Pricing: N/A 6 7 15

GlobiPay is a U.S. merchant acquiring service provider that offers services to retail stores (POS), mobile companies and eCommerce companies. GlobiPay merchants are able to accept most major credit and debit cards, including Visa, MasterCard, Amex, Discover, JCB and Diners Club. It offers seamless integration with over 175 shopping carts and API for developers.

GEOGRAPHIES DEVELOPER Total RISK 0 5 6 Launch Date: 2011 17 Customers: N/A FRAUD PAYMENTS OMNICHANNEL Pricing: 1% up to a maximum of £2 2 4 0

GoCardless is a next generation payments company. It processes online payments through direct debit infrastructure. Its features include: low prices (1% up to a maximum of £2), easy payment collection (automate reconciliation customer account) and instant online sign-up.

GEOGRAPHIES DEVELOPER Total RISK 4 8 3 Launch Date: 2010 18 Customers: N/A FRAUD PAYMENTS OMNICHANNEL Pricing: 1% 2 1 0

GoInterPay is a multi-currency conversion and settlement service that connects a customer’s existing website with eCommerce technology. It enables customers to show pricing and settle purchases in the local currency of the international shopper.

GEOGRAPHIES DEVELOPER Total RISK 0 6 0 Launch Date: 2004 10 Customers: N/A FRAUD PAYMENTS OMNICHANNEL Pricing: 1% fee on every purchase 3 1 0

Goldmoney’s mission is to provide secure and accessible gold-based savings to everyone, while also making gold useful for everyday payments. The company provides a payment option to international customers and offers to help customers strengthen relationships with global suppliers, partners and employees.

GEOGRAPHIES DEVELOPER Total RISK 0 5 1 Launch Date: 2008 19 Customers: N/A FRAUD PAYMENTS OMNICHANNEL Pricing: N/A 9 4 0

GPN DATA is a global eCommerce PSP that provides payment processing tools to complete cross-border transactions. The company also offers card-not-present payment processing services.

GEOGRAPHIES DEVELOPER Total RISK 0 7 7 Launch Date: 2003 29 Customers: N/A FRAUD PAYMENTS OMNICHANNEL Pricing: N/A 1 8 6

HiPay Mobile offers over 50 payment methods to merchants engaged in sales of digital products. The service also offers a consolidated dashboard for business monitoring.

GEOGRAPHIES DEVELOPER Total RISK 8 16 4 Launch Date: 2000 48 Customers: 400+ customers, 7 FRAUD PAYMENTS OMNICHANNEL million+ payees Pricing: N/A 7 4 9

Hyperwallet is a purpose-built payout platform that empowers businesses to quickly, cost-effectively, and transparently distribute funds to independent contractors, suppliers and resellers anywhere in the world. Hyperwallet’s payments platform and global settlement network enables businesses to distribute funds to 170+ countries in more than 150 currencies. The company’s range of flexible payout options includes local bank deposits, international wire transfers, branded prepaid and virtual cards, custom checks, cash pick-up services, and pay to existing credit and debit card capabilities.

GEOGRAPHIES DEVELOPER Total RISK 0 13 3 Launch Date: 2001 37 FRAUD PAYMENTS OMNICHANNEL Customers: N/A Pricing: N/A 5 16 0

IBM Payment Systems (IPS) is a global payment gateway and eCommerce checkout solution that integrates seamlessly into websites, mobile sites, smartphone apps and call center tools. An easy-to-use interface, combined with a fully localized payment checkout experience, implemented on a centralized platform, means global retailers can set up and manage a comprehensive local online payment solution quickly, easily and costeffectively.

GEOGRAPHIES DEVELOPER Total RISK 0 9 4 Launch Date: 2003 24 Customers: N/A FRAUD PAYMENTS OMNICHANNEL Pricing: N/A 1 10 0 New

Ikajo International owns and operates numerous payment service providers in Europe, Asia and Latin America and offers over 200 direct integrated acquiring solutions. Its payment platform supports a wide range of debit cards, credit cards, bank2bank, eWallets and mobile payment solutions.

GEOGRAPHIES DEVELOPER Total RISK 0 9 6 Launch Date: 1999 27 Customers: N/A FRAUD PAYMENTS OMNICHANNEL Pricing: N/A 5 7 0

ImGlobal Payments is a merchant services provider for businesses that require credit and debit card processing services to accept payments for Internet, Mail-Order Telephone-Order (MOTO), & POS/Retail transactions.

GEOGRAPHIES DEVELOPER Total RISK 11 17 11 Launch Date: 2016 84 Customers: 65,000 FRAUD PAYMENTS OMNICHANNEL Pricing: N/A 14 16 15

Ingenico ePayments is the online and mobile commerce division of Ingenico Group. It combines GlobalCollect and Ingenico Payment platforms into a single organization.

GEOGRAPHIES DEVELOPER Total RISK 0 13 3 Launch Date: 2012 27 Customers: N/A FRAUD PAYMENTS OMNICHANNEL Pricing: N/A 3 8 0

Inpendium provides global payment connectivity and full-cycle payment management services for enterprise-level eCommerce merchants worldwide. Its technology platform supports payment services to global merchants.

GEOGRAPHIES DEVELOPER Total RISK 0 5 6 Launch Date: 2001 17 Customers: 12,000 FRAUD PAYMENTS OMNICHANNEL Pricing: N/A 2 4 0

Instabill provides a suite of full-service merchant services for eCommerce, MOTO and POS businesses worldwide, including credit card processing, check solutions, fraud protection and international expansion services in over 160 currencies.

GEOGRAPHIES DEVELOPER Total RISK 0 5 6 Launch Date: 2008 17 Customers: N/A FRAUD PAYMENTS OMNICHANNEL Pricing: N/A 2 4 0

IntegraPay is a payment services provider that operates in Australia, New Zealand, the U.K. and the U.S. The company is known for client service and technology innovation.

GEOGRAPHIES DEVELOPER Total RISK 0 5 3 Launch Date: 2000 25 Customers: N/A FRAUD PAYMENTS OMNICHANNEL Pricing: N/A 7 7 3

The Intelligent Payments platform was developed by one of the largest online merchants in Europe. Through a single platform, Intelligent Payments manages Web and mobile payments. Intelligent Payments provides a range of services to help merchants manage their online payments, such as: payment handling, fraud management, 3D Secure Management, least cost routing, reporting and reconciliation, payment security and business intelligence.

GEOGRAPHIES DEVELOPER Total RISK 0 3 3 Launch Date: 2004 18 Customers: 3,500 FRAUD PAYMENTS OMNICHANNEL Pricing: N/A 2 4 6

IP Payments has over ten years’ experience in the cash flow improvement and PCI compliance markets emerging as a leader in secure revenue management solutions with the provision of three core capabilities; payment processing solutions (payment gateways), secure credit card storage solutions (IP PCI) and accounts receivables automation solutions (SIPP).

GEOGRAPHIES DEVELOPER Total RISK 0 5 8 Launch Date: 2006 39 Customers: 5,000 FRAUD PAYMENTS OMNICHANNEL Pricing: 3.2% 4 10 12

iPay88 is a regional payment gateway provider in Southeast Asia. The company provides eCommerce and online payment services to more than 5,000 merchants globally and regionally. Additionally, iPay88 also provides clients with payment gateway solutions and risk management consultation services.

GEOGRAPHIES DEVELOPER Total RISK 0 12 0 Launch Date: 2010 22 Customers: N/A FRAUD PAYMENTS OMNICHANNEL Pricing: N/A 3 7 0

JetPay offers products for the payments, payroll and prepaid card industries. It also tailors card-not-present and eCommerce payment processing solutions based on customer needs. Its solutions include international payment processing and a single interface for multiple currencies.

GEOGRAPHIES DEVELOPER Total RISK 0 13 8 Launch Date: 2013 41 Customers: N/A FRAUD PAYMENTS OMNICHANNEL Pricing: N/A 5 9 6

KingPay offers omnichannel payment technology solutions to address global business goals. Its platform includes multicurrency solutions, alternative payment methods and a cross-border environment with high- frequency processing capabilities.

GEOGRAPHIES DEVELOPER Total RISK 0 5 6 Launch Date: 2005 16 Customers: 50,000 FRAUD PAYMENTS OMNICHANNEL Pricing: N/A 1 4 0

Klarna, founded in Stockholm in 2005 with the goal of simplifying buying, lets the consumer receive goods first and pay later, while assuming credit and fraud risks for merchants. In 2014, Klarna joined forces with SOFORT to form Klarna Group, the leading European payments provider. Klarna Group has more than 1,200 employees and is active in 18 markets. Klarna serves 35 million consumers and works with 50,000 merchants.

GEOGRAPHIES DEVELOPER Total RISK 0 10 5 Launch Date: 2000 34 Customers: N/A FRAUD PAYMENTS OMNICHANNEL Pricing: 5.5% + 0.7 per transaction 8 5 6

Klik & Pay offers various payment solutions, including direct and deferred payments, 3D Secure, and subscription services that enable companies to deliver payment solutions adapted to credit cards and SDD business activities. It also offers a global secured gateway payment solution that is accessible via computer, tablet and smartphone.

GEOGRAPHIES DEVELOPER Total RISK 0 6 9 Launch Date: 2013 44 Customers: N/A FRAUD PAYMENTS OMNICHANNEL Pricing: N/A 7 10 12

Linkpay is a 100 percent cloud-built payment solutions platform. Its solutions help online and mobile businesses accept credit cards using cloud technology. Linkpay handles everything, including merchant accounts, gateway, storing cards, subscriptions, PCI security and direct payout to bank accounts.

GEOGRAPHIES DEVELOPER Total RISK 0 10 0 Launch Date: 1966 41 Customers: 35 million acceptance FRAUD PAYMENTS OMNICHANNEL locations Pricing: 1% – 3% per credit card 6 10 15 transaction

Mastercard is one of world’s best known online payment methods and dominant credit card brands. Mastercard is truly a global payment brand, supporting 150 currencies with over 35 million acceptance locations (point of sale and online) in over 210 countries.

GEOGRAPHIES DEVELOPER Total RISK 0 9 0 Launch Date: 2014 19 Customers: N/A FRAUD PAYMENTS OMNICHANNEL Pricing: 2% – 7% per transaction 6 4 0

Meikopay is an international payment solutions provider. The company offers solutions to acquiring banks, PSPs, ISOs and their retailers.

GEOGRAPHIES DEVELOPER Total RISK 4 7 6 Launch Date: 1999 28 Customers: 121 million registered FRAUD PAYMENTS OMNICHANNEL users Pricing: N/A 1 4 6

MercadoLibre’s automated online platform enables businesses and individuals to list items and conduct their sales and purchases in a fixed-price or auction-based format. MercadoLibre has launched a cross-border trade program, which started in the U.S. and will be expanding to the U.K. and Canada. It requires no setup fees and offers multiple integration options, enabling sellers to ship directly to buyer or to a local address.

GEOGRAPHIES DEVELOPER Total RISK 0 8 6 Launch Date: 1999 30 Customers: N/A FRAUD PAYMENTS OMNICHANNEL Pricing: N/A 3 7 6

Merchant e-Solutions helps merchants accept payments and manage them on one platform. Merchant e-Solutions provides a global network and enables merchants to do business in multiple channels, including online, mobile and in-person. Merchant e-Solutions is a merchant acquirer and global processor, processing over $17 billion in annual transaction volume and supporting 150 global currencies, including all major credit cards, debit and alternative payment solutions.

GEOGRAPHIES DEVELOPER Total RISK 0 4 8 Launch Date: 2000 29 Customers: 10,000 FRAUD PAYMENTS OMNICHANNEL Pricing: N/A 3 8 6

With more than 15 years of expertise in the e-commerce industry MultiSafepay provides international and multi-channel payment solutions and services for 8.000 SME and large enterprise clients across Europe. Operating by one platform, the company offers payment solutions for any device including online, mobile, subscription services, wallet payments, phone & email payments and split payments. Its unique apps for iOS and Android enable merchants to control payments anytime and anywhere.

GEOGRAPHIES DEVELOPER Total RISK 0 11 9 Launch Date: 1998 37 Customers: N/A FRAUD PAYMENTS OMNICHANNEL Pricing: N/A 4 7 6

NationalACH provides ACH, eChecks, credit and debit card payment processing services to American and international businesses through a global network of banks. Its features include an extensive network of banks, payment security technology, online cloud reporting for effective management, account reconciliation and real- time tracking of transactions.

GEOGRAPHIES DEVELOPER Total RISK 0 4 5 Launch Date: 1998 20 Customers: N/A FRAUD PAYMENTS OMNICHANNEL Pricing: 1.4% + $0.06 per transaction 4 4 3

Since 1998, NETbilling, Inc. has provided merchant accounts, multi-currency transaction processing, and call center services to thousands of Internet merchants and companies of all sizes. NETbilling’s flexible solutions process credit cards, debit cards, electronic checks, and telephone orders, and work with any business model, including Internet, broadband, wireless, call centers and retail establishments of all types.

GEOGRAPHIES DEVELOPER Total RISK 0 5 3 Launch Date: 1998 21 Customers: N/A FRAUD PAYMENTS OMNICHANNEL Pricing: N/A 6 1 6

Netpay International offers alternative payment solutions intended to improve conversion rates. Its solutions aim to allow businesses to provide secure, innovative payments solutions for eCommerce transactions.

GEOGRAPHIES DEVELOPER Total RISK 0 7 5 Launch Date: 1999 19 Customers: 2.9% + 20p per FRAUD PAYMENTS OMNICHANNEL transaction Pricing: N/A 3 4 0

Nochex provides a solution for online credit and debit card payment services to businesses based in Europe and the U.K.

GEOGRAPHIES DEVELOPER Total RISK 0 5 4 Launch Date: 2011 36 Customers: N/A FRAUD PAYMENTS OMNICHANNEL Pricing: N/A 11 10 6

Noire is a U.K.-based payments service provider specializing in online payment solutions and risk management technologies. The company provides internet merchant accounts and bespoke payment gateway technology, along with risk management and fraud protection technology, for companies ranging from FTSE-listed companies to small startup businesses.

GEOGRAPHIES DEVELOPER Total RISK 0 5 3 Launch Date: 2011 19 Customers: N/A FRAUD PAYMENTS OMNICHANNEL Pricing: N/A 7 4 0

Novalnet AG is a financial services institution offering online gateways for processing of online payments. The product and service portfolio includes commonly used payment methods of online payment, which include a variety of intelligent fraud prevention modules, free technical support, an automated accounts receivable management system, a subscription and membership management, as well as an affiliate program.

GEOGRAPHIES DEVELOPER Total RISK 0 5 3 Launch Date: 2010 33 Customers: N/A FRAUD PAYMENTS OMNICHANNEL Pricing: N/A 2 11 12

ONPEX is a provider of cloud technology for cross-border card processing. The company is headquartered in Germany and operates entities in Europe, North America and Asia.

GEOGRAPHIES DEVELOPER Total RISK 8 9 7 Launch Date: 1998 39 Customers: N/A FRAUD PAYMENTS OMNICHANNEL Pricing: N/A 7 8 0

PagBrasil offers payment processing service in Brazil, designed for international payment providers and eCommerce platforms. PagBrasil enables customers to gain access to local payment methods and potentially increase sales in the country.

GEOGRAPHIES DEVELOPER Total RISK 0 7 5 Launch Date: 2016 28 Customers: 100 FRAUD PAYMENTS OMNICHANNEL Pricing: 0.59% + £0.20 8 8 0

Paydoo is an online processing payment provider that supports merchants engaged in a variety of industries. The company utilizes ACI Worldwide’s payment gateway to support an international network of more than 10 European and international acquiring banks and offers multi-currency processing and settlement.

GEOGRAPHIES DEVELOPER Total RISK 0 6 8 Launch Date: 1999 24 Customers: N/A FRAUD PAYMENTS OMNICHANNEL Pricing: N/A 3 7 0

PayGate is an international payment gateway and credit card processor that is linked to over 70 banks in more than 30 countries. The Cape Town, South Africa–based company offers services that include an e-billing solution, a virtual card machine service, a card data storage retrieval system, and transaction linking and fraud syndicate detection systems.

GEOGRAPHIES DEVELOPER Total RISK 0 14 7 Launch Date: 2011 30 Customers: 113,629 FRAUD PAYMENTS OMNICHANNEL Pricing: 10% + €0.50 2 1 6

PayGol is an online payment service that facilitates easy and safe to payments of virtual and digital products. The company offers more than 100 payment methods for purchases on gaming, entertainment and social commerce sites.

GEOGRAPHIES DEVELOPER Total RISK 0 5 3 Launch Date: 2008 30 Customers: N/A FRAUD PAYMENTS OMNICHANNEL Pricing: 2.89% + $0.29 per transaction 3 7 12

PayLeap provides merchants with a suite of secure payment capabilities including payments, fraud management, end-to-end encryption, tokenization, secure cardholder data vault, recurring invoicing and mobile capabilities.

GEOGRAPHIES DEVELOPER Total RISK 0 7 8 Launch Date: 2000 30 Customers: N/A FRAUD PAYMENTS OMNICHANNEL Pricing: 2.475% + $0.55 to 1.925% + $0.55 per transaction 5 1 9

Paymate provides internet-based payment services to buyers and sellers. The company is available to buyers in 60 countries around the world and to sellers in Australia and New Zealand.

GEOGRAPHIES DEVELOPER Total RISK 0 11 4 Launch Date: 1999 21 Customers: N/A FRAUD PAYMENTS OMNICHANNEL Pricing: 3,000 2 4 0

PaymentAsia is an e-payment technology and e-business management company. Its solutions include a payment processing network for domestic and global businesses.

GEOGRAPHIES DEVELOPER Total RISK 0 5 0 Launch Date: 2008 10 Customers: 5 million FRAUD PAYMENTS OMNICHANNEL Pricing: N/A 1 4 0

Paymentez was founded in 2008 as a payment gateway for online games in Latin America. Since then, it has expanded into other areas such as transport and mobile solutions to offer consumers in Latin America alternative payment methods that enable them to easily interact with merchants across the world.

GEOGRAPHIES DEVELOPER Total RISK 8 14 3 Launch Date: 2010 44 Customers: N/A FRAUD PAYMENTS OMNICHANNEL Pricing: 2.7%-3.9% + $0.30 4 9 6

Paymentwall is a global payments technology provider that has integrated over 150 payment methods worldwide to offer global payments coverage for users in more than 190 countries with credit and debit cards, mobile payments, e-wallets, bank transfers and prepaid cards, among others. Paymentwall also offers a range of Merchant of Record services for digital commerce.

GEOGRAPHIES DEVELOPER Total RISK 0 9 8 Launch Date: 2012 35 Customers: N/A FRAUD PAYMENTS OMNICHANNEL Pricing: 2,95% + 0,28€ 5 7 6

PAYMILL is a European-based payment processing company. As a payment service provider, PAYMILL enables customers to accept PayPal and credit/debit card payments directly in their online shops. The company also helps customers accept mobile payments, recurring payments and online payments globally and offers security solutions for its online payment gateway.

GEOGRAPHIES DEVELOPER Total RISK 0 7 0 Launch Date: 2010 17 Customers: 1,200 FRAUD PAYMENTS OMNICHANNEL Pricing: N/A 6 4 0

PAYMUNDO offers solutions aimed at helping businesses process credit card payments and other options from around the world. Its solutions include alternative payment methods, high-risk and low-risk processing and recurring payments.

GEOGRAPHIES DEVELOPER Total RISK 0 3 5 Launch Date: N/A 24 Customers: 3,000 FRAUD PAYMENTS OMNICHANNEL Pricing: N/A 8 8 0

PAYONE is a provider of payments services that ranks among Germany’s 50 fastest-growing technology companies. With its modular platform, PAYONE offers a fully automated software-as-a-service solution (SaaS) to companies for comprehensive processing of eCommerce payments. PAYONE’s range of services includes the ability to process payments from over 30 national and international payment methods with integrated risk management to minimize defaults in payment and fraud.

GEOGRAPHIES DEVELOPER Total RISK 0 17 3 Launch Date: 2005 35 Customers: N/A FRAUD PAYMENTS OMNICHANNEL Pricing: N/A 2 7 6

Payoneer empowers global commerce by connecting businesses, professionals, countries and currencies with its crossborder payments platform. In today’s borderless digital world, Payoneer enables millions of businesses and professionals from more than 200 countries to reach new audiences by facilitating seamless, crossborder payments.

GEOGRAPHIES DEVELOPER Total RISK 0 9 3 Launch Date: 1998 20 Customers: N/A FRAUD PAYMENTS OMNICHANNEL Pricing: $168B 1 7 0

PayPal offers various online payment checkout solutions for businesses around the world. From standard checkouts to express solutions, PayPal operates as a PSP to many online merchants. Shoppers can pay directly from their bank accounts or via stored credit cards, like Mastercard and Visa.

GEOGRAPHIES DEVELOPER Total RISK 0 9 8 Launch Date: 2014 39 Customers: N/A FRAUD PAYMENTS OMNICHANNEL Pricing: N/A 4 9 9

Payrexx develops an all-in-one cloud-based solution that offers online payments and one-page shops. Payrexx’s tools are aimed at enabling businesses, institutions and individuals to accept credit card payments.

GEOGRAPHIES DEVELOPER Total RISK 0 16 6 Launch Date: 2015 55 Customers: N/A FRAUD PAYMENTS OMNICHANNEL Pricing: N/A 7 11 15

Paysafe is a provider of payment solutions to businesses and consumers in 200 countries and territories. Merchants can use Paysafe’s services and gateway platforms on their websites to accept credit and debit card, direct-from-bank, and alternative and local payments. Paysafe was created in November 2015 as a result of the Optimal Payments’ acquisition of Skrill Group earlier that year.

GEOGRAPHIES DEVELOPER Total RISK 4 8 7 Launch Date: N/A 42 Customers: N/A FRAUD PAYMENTS OMNICHANNEL Pricing: 1.99% per swipe + .20¢ 4 4 15

Payscout is a global payment processing provider connecting merchants and consumers via credit and debit cards, ATMs, and alternative payment networks. Its Go Global Now technology platform gives merchants instant access to more than 100 countries. Payscout offers payment processing solutions for both brick-and- mortar stores and eCommerce transactions.

GEOGRAPHIES DEVELOPER Total RISK 4 9 8 Launch Date: 2002 66 Customers: +160,000 FRAUD PAYMENTS OMNICHANNEL Pricing: N/A 14 19 12

PayU is an online payment service provider in 16 high growth markets in Asia, Central and Eastern Europe, Latin America, the Middle East and Africa. Its local expertise enables it to provide specific solutions for each market. PayU is the e-payments division of Naspers Ltd., a multinational media group.

GEOGRAPHIES DEVELOPER Total RISK 4 11 0 Launch Date: 2002 26 Customers: 300 business partners, FRAUD PAYMENTS OMNICHANNEL acquirers and PSP, + 500 merchants Pricing: N/A 1 4 6

Payvision is an independent payment solutions provider specializing in global card processing for the eCommerce market. Payvision offers acquiring banks, PSPs, ISOs and merchants a secure, PCI DSS compliant, PSD licensed, international payment processing platform enhanced with innovative technology. Payvision provides 150+ transaction currencies and regional card settlement currencies.

GEOGRAPHIES DEVELOPER Total RISK 0 6 6 Launch Date: 2012 19 Customers: 9 million users FRAUD PAYMENTS OMNICHANNEL Pricing: N/A 0 7 0 Updated

Payza is a leading online payments technology platform used by licensed entities around the world. Payza’s highly secure platform provides businesses and consumers with convenient and flexible solutions for sending and receiving payments worldwide. The company offers access to payment services in both traditional and emerging markets, as well as a host of tools and services including: fraud screening, dispute resolution, currency exchange, global payouts and disbursement services.

GEOGRAPHIES DEVELOPER Total RISK 0 9 0 Launch Date: 2014 27 Customers: N/A FRAUD PAYMENTS OMNICHANNEL Pricing: N/A 2 10 6

Payzoff provides a global payment platform that allows merchants to accept all major credit cards and over 150 global and regional payment methods through a single interface. Payzoff’s platform allows customers to do business in more than 200 countries and accept various forms of payments.

GEOGRAPHIES DEVELOPER Total RISK 15 16 8 Launch Date: 1920 54 Customers: 285 FRAUD PAYMENTS OMNICHANNEL Pricing: N/A 10 5 0

Pitney Bowes offers global ecommerce solutions that manage the cross-border shopping experience including, website localization and management, fully-landed costs and compliance, payment processing and international logistics. Pitney Bowes helps retailers, brands and online marketplaces sell to customers in more than 220 countries and territories and more than 74 currencies.

GEOGRAPHIES DEVELOPER Total RISK 0 10 3 Launch Date: 1999 29 Customers: 118,000 FRAUD PAYMENTS OMNICHANNEL Pricing: N/A 7 3 6

Planet Payment is a provider of payment processing solutions. The company delivers payment processing and multi-currency solutions to financial services institutions around the world. The services are currently deployed at 118,000 active merchant locations in 21 countries and territories across the Asia Pacific region, the Americas, the Middle East, Africa and Europe.

GEOGRAPHIES DEVELOPER Total RISK 0 6 0 Launch Date: 2006 16 Customers: Over 1M FRAUD PAYMENTS OMNICHANNEL Pricing: N/A 4 6 0

PPRO offers a platform for integrated processing and collection of payment methods worldwide. The solution works indirectly with PSP partners and other financial institutions whose merchants can purchase PPRO’s services from them. PPRO has access to over 1 million eCommerce merchants that are linked to its PSP and marketplace partners. They can use all of PPRO’s services through their existing technical integrations. PPRO collects funds and sends the money to users in their desired currency.

GEOGRAPHIES DEVELOPER Total RISK 0 7 9 Launch Date: 2000 41 Customers: 13,000 FRAUD PAYMENTS OMNICHANNEL Pricing: N/A 5 11 9

Realex Payments is a European online payment gateway that provides a range of payment processing services for businesses accepting payments online. Realex’s services include currency management, card storage and fraud management solutions.

GEOGRAPHIES DEVELOPER Total RISK 0 5 0 Launch Date: 2007 19 Customers: N/A FRAUD PAYMENTS OMNICHANNEL Pricing: N/A 7 7 0

The SafeCharge International Group Limited is a global provider of payments services, risk management and IT solutions for online businesses. The group has a diversified, blue chip client base and is a trusted payment partner for customers from various eCommerce verticals. SafeCharge has been Payment Card Industry Data Security Standard (“PCI-DSS”) Level 1 certified since 2007. The SafeCharge group has operations in the U.K., Cyprus, Bulgaria, Israel, Germany and Austria.

GEOGRAPHIES DEVELOPER Total RISK 0 8 0 Launch Date: 2006 12 Customers: 2,000 FRAUD PAYMENTS OMNICHANNEL Pricing: N/A 0 4 0

SafetyPay provides an e-payment solution that enables online banking customers to shop globally, but pay directly through their bank account in their local currency. SafetyPay works with financial institutions worldwide, reaching more than 2,000 merchants and 250 million consumers under one platform. Currently in countries throughout Europe, North and Latin America, SafetyPay is expanding around the world.

GEOGRAPHIES DEVELOPER Total RISK 0 0 3 Launch Date: 2001 11 Customers: 55,000 FRAUD PAYMENTS OMNICHANNEL Pricing: N/A 5 3 0

Sage Pay is Europe’s leading independent payment service provider (PSP). Every year, Sage Pay processes billions of British pounds worth of secure payments for its 55,000+ customers and makes the process of accepting payments online, over the phone or in-person simpler, faster, safer and more profitable for businesses.

GEOGRAPHIES DEVELOPER Total RISK 0 17 8 Launch Date: 2014 42 Customers: N/A FRAUD PAYMENTS OMNICHANNEL Pricing: 2.95% + 0.25 euro 4 7 6

SecurionPay is a cross-device, online and mobile-based payment gateway that offers developers and end-users card payment services. The company’s APIs can support payment scenarios securely and efficiently.

GEOGRAPHIES DEVELOPER Total RISK 0 5 4 Launch Date: 2013 29 Customers: N/A FRAUD PAYMENTS OMNICHANNEL Pricing: 2.85% + $0.30 per transaction 3 11 6

Simplify Commerce by Mastercard offers integration services that enables eCommerce merchants to accept payments from all major brands. It also provides a solution for the acceptance of all global credit card brands including Mastercard, Visa, American Express, Discover, Diners Club and JCB.

GEOGRAPHIES DEVELOPER Total RISK 0 7 3 Launch Date: 2001 25 Customers: 100,000 FRAUD PAYMENTS OMNICHANNEL Pricing: N/A 6 9 0

Skrill (Moneybookers) is one of the world’s largest online payments and digital wallet providers with over 20 million accountholders. Skrill’s worldwide payment network offers businesses access to more than 100 payment options, with 41 currencies covering 200 countries through just a single integration. More than 100,000 merchants use Skrill globally, including eBay.

GEOGRAPHIES DEVELOPER Total RISK 0 12 7 Launch Date: 2002 34 Customers: N/A FRAUD PAYMENTS OMNICHANNEL Pricing: N/A 4 11 0

Smart2Pay is a payment service provider specializing in Internet payments since 2002. It’s based in Amsterdam, with additional offices in Spain, Brazil, the U.S. and Romania. The company has partnered with many banks and financial institutions all over the world and it offers a one-stop shop for leading merchants selling goods or services globally via the Internet.

GEOGRAPHIES DEVELOPER Total RISK 0 5 8 Launch Date: 2005 16 Customers: 35,000 FRAUD PAYMENTS OMNICHANNEL Pricing: N/A 2 1 0

SOFORT, a Germany-based payments company, offers products and services for the secure purchase of physical and digital goods on the internet.

GEOGRAPHIES DEVELOPER Total RISK 0 7 3 Launch Date: 2009 29 Customers: 500,000 FRAUD PAYMENTS OMNICHANNEL Pricing: N/A 4 0 15

Square is committed to building tools that empower sellers to start, run, and grow their business. Square’s complete register service is a full point of sale that offers a suite of tools, from tracking sales and inventory to rich analytics and small business financing. Customers in the United States also use Square Cash, the easiest way to send and receive money, and Square Order, a new way to pre-order food and drinks for pickup.

GEOGRAPHIES DEVELOPER Total RISK 0 8 10 Launch Date: 2011 26 Customers: N/A FRAUD PAYMENTS OMNICHANNEL Pricing: N/A 4 4 0

Stripe aims to expand Internet commerce by making it easy to process transactions and manage an online business. Stripe now processes billions of dollars a year for thousands of businesses, from newly launched startups to Fortune 500 companies. Since Stripe powers so many new businesses, it’s a snapshot of how the Internet is changing; many users are in categories that barely existed five years ago.

GEOGRAPHIES DEVELOPER Total RISK 4 12 4 Launch Date: 2011 32 Customers: 20 FRAUD PAYMENTS OMNICHANNEL Pricing: N/A 10 2 0

Transpay is a B2B/B2P cross-border payments platform. The company’s platform uses robust end-to-end technology to enable instant transfers across its global proprietary network. Funds are delivered in local currency either to a recipient’s bank account or a preferred cash pick-up location. Customers include Google and Upwork, the leading global freelancer platform. Transpay is backed by GCP Capital Partners, a $1.8 billion private equity fund led by top investors in the payments industry.

GEOGRAPHIES DEVELOPER Total RISK 0 6 3 Launch Date: 1983 33 Customers: N/A FRAUD PAYMENTS OMNICHANNEL Pricing: N/A 5 7 12

TSYS provides online credit card processing for businesses. TSYS helps merchants integrate eCommerce solutions to accept payments. The company is headquartered in Columbus, Georgia, with offices across the U.S., Europe and Asia.

GEOGRAPHIES DEVELOPER Total RISK 0 5 0 Launch Date: 2004 12 Customers: 300 FRAUD PAYMENTS OMNICHANNEL Pricing: N/A 1 6 0

UOL BoaCompra specializes in cross-border payments and monetizing online games. The company offers over 150 local payment methods in major countries in Latin America and Southern Europe and has partnered with over 200 gaming companies.

GEOGRAPHIES DEVELOPER Total RISK 0 4 0 Launch Date: 1983 15 Customers: N/A FRAUD PAYMENTS OMNICHANNEL Pricing: N/A 4 7 0

Valitor is a leading online and eCommerce payment solutions company. It operates internationally, offering services to partners, merchants, banks and cardholders around the world. Valitor has been specializing in international acquiring services since 2003, and was one of the first companies to receive a European cross- border license.

GEOGRAPHIES DEVELOPER Total RISK 4 7 6 Launch Date: 1970 53 Customers: 400,000 FRAUD PAYMENTS OMNICHANNEL Pricing: $611B 12 9 15

Vantiv is a leading payment processor differentiated by an integrated technology platform. Vantiv offers a comprehensive suite of traditional and innovative payment processing and technology solutions to merchants and financial institutions of all sizes, enabling them to address their payment processing needs through a single provider.

GEOGRAPHIES DEVELOPER Total RISK 0 7 8 Launch Date: 2009 20 Customers: N/A FRAUD PAYMENTS OMNICHANNEL Pricing: N/A 1 1 3

Veripay focuses on developing payments technology and solutions. The company’s payment platform is PCI- compliant and enables customers to analyze their business performance.

GEOGRAPHIES DEVELOPER Total RISK 8 5 4 Launch Date: 2008 28 Customers: 20,000 FRAUD PAYMENTS OMNICHANNEL Pricing: N/A 4 7 0

WePay powers payments on online platforms and marketplaces, such as Care.com, Constant Contact, FreshBooks, GoFundMe and Meetup. WePay protects its partners from risk and regulatory exposure, while supporting a seamless experience for their end users.

GEOGRAPHIES DEVELOPER Total RISK 0 6 5 Launch Date: 1970 33 Customers: N/A FRAUD PAYMENTS OMNICHANNEL Pricing: N/A 3 7 12

Worldline, an Atos subsidiary, is a global player in the payments and transactional services industry. Worldline delivers new generation services, enabling its customers to offer smooth and innovative solutions to the end consumer. Worldline specializes in merchant services and terminals, mobility and e-Transactional services, and financial processing and software licensing.

GEOGRAPHIES DEVELOPER Total RISK 4 16 11 Launch Date: 1989 78 Customers: Over 400,000 FRAUD PAYMENTS OMNICHANNEL Pricing: $500B 15 17 15

Worldpay provides an extensive range of technology-led payment products and services to over 400,000 customers, allowing them to accept more than 300 different payment types around the world. The company processes payments from geographies covering 99 percent of global GDP, across 146 countries and 126 currencies. Through a single integration, Worldpay provides an end-to-end service including acquiring, treasury, gateway, alternative payments and risk management.

GEOGRAPHIES DEVELOPER Total RISK 4 5 3 Launch Date: 1999 21 Customers: N/A FRAUD PAYMENTS OMNICHANNEL Pricing: N/A 2 1 6

YapStone is a provider of online and mobile payment solutions for global marketplaces and large vertical markets. It offers solutions for global online marketplaces, property management companies, vacation rental companies, faith-based organizations and non-profits.

GEOGRAPHIES DEVELOPER Total RISK 0 7 4 Launch Date: 2006 22 Customers: N/A FRAUD PAYMENTS OMNICHANNEL Pricing: N/A 1 4 6

YuuPay is a Singapore-based payment service provider that processes transactions for merchants in the Asia- Pacific region, Europe, Japan, and the U.S. The company is connected to more than 200 banks worldwide and offers a variety of payment solutions for various industries.

The X-Border Payments Optimization Landscape™ The X-Border Payments Optimization LandscapeTM is a graphic representation of how the leading payment service providers are scored in each of six categories important to optimizing a merchant’s cross-border payments operations. It is not designed to suggest one is more important than another. The Top 10 providers in each category are displayed in rank order from industry standard on the left to best-in-class on the right.

Feedback We hope you enjoy this month’s tracker and we welcome your feedback – please email us at [email protected]. Or, if you would like your company to be considered for inclusion in the Scorecard or wish to have an existing listing reconsidered for an update, please visit our submission/update page.

PYMNTS.com PYMNTS.com is where the best minds and the best content meet on the web to learn about “What’s Next” in payments and commerce. Our interactive platform is reinventing the way in which companies in payments share relevant information about the initiatives that shape the future of this dynamic sector and make news. Our data and analytics team includes economists, data scientists and industry analysts who work with companies to measure and quantify the innovation that is at the cutting edge of this new world.

The X-Border Payments Optimization Tracker™ may be updated periodically. While reasonable efforts are made to keep the content accurate and up-to-date, PYMNTS.COM: MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, REGARDING THE CORRECTNESS, ACCURACY, COMPLETENESS, ADEQUACY, OR RELIABILITY OF OR THE USE OF OR RESULTS THAT MAY BE GENERATED FROM THE USE OF THE INFORMATION OR THAT THE CONTENT WILL SATISFY YOUR REQUIREMENTS OR EXPECTATIONS. THE CONTENT IS PROVIDED “AS IS” AND ON AN “AS AVAILABLE” BASIS. YOU EXPRESSLY AGREE THAT YOUR USE OF THE CONTENT IS AT YOUR SOLE RISK. PYMNTS. COM SHALL HAVE NO LIABILITY FOR ANY INTERRUPTIONS IN THE CONTENT THAT IS PROVIDED AND DISCLAIMS ALL WARRANTIES WITH REGARD TO THE CONTENT, INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT AND TITLE. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES, AND, IN SUCH CASES, THE STATED EXCLUSIONS DO NOT APPLY. PYMNTS. COM RESERVES THE RIGHT AND SHOULD NOT BE LIABLE SHOULD IT EXERCISE ITS RIGHT TO MODIFY, INTERRUPT, OR DISCONTINUE THE AVAILABILITY OF THE CONTENT OR ANY COMPONENT OF IT WITH OR WITHOUT NOTICE.

PYMNTS.COM SHALL NOT BE LIABLE FOR ANY DAMAGES WHATSOEVER, AND, IN PARTICULAR, SHALL NOT BE LIABLE FOR ANY SPECIAL, INDIRECT, CONSEQUENTIAL, OR INCIDENTAL DAMAGES, OR DAMAGES FOR LOST PROFITS, LOSS OF REVENUE, OR LOSS OF USE, ARISING OUT OF OR RELATED TO THE CONTENT, WHETHER SUCH DAMAGES ARISE IN CONTRACT, NEGLIGENCE, TORT, UNDER STATUTE, IN EQUITY, AT LAW, OR OTHERWISE, EVEN IF PYMNTS.COM HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

SOME JURISDICTIONS DO NOT ALLOW FOR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES, AND IN SUCH CASES SOME OF THE ABOVE LIMITATIONS DO NOT APPLY. THE ABOVE DISCLAIMERS AND LIMITATIONS ARE PROVIDED BY PYMNTS.COM AND ITS PARENTS, AFFILIATED AND RELATED COMPANIES, CONTRACTORS, AND SPONSORS, AND EACH OF ITS RESPECTIVE DIRECTORS, OFFICERS, MEMBERS, EMPLOYEES, AGENTS, CONTENT COMPONENT PROVIDERS, LICENSORS, AND ADVISERS.

Components of the content original to and the compilation produced by PYMNTS.COM is the property of PYMNTS.COM and cannot be reproduced without its prior written permission.

You agree to indemnify and hold harmless, PYMNTS.COM, its parents, affiliated and related companies, contractors and sponsors, and each of its respective directors, officers, members, employees, agents, content component providers, licensors, and advisers, from and against any and all claims, actions, demands, liabilities, costs, and expenses, including, without limitation, reasonable attorneys’ fees, resulting from your breach of any provision of this Agreement, your access to or use of the content provided to you, the PYMNTS.COM services, or any third party’s rights, including, but not limited to, copyright, patent, other proprietary rights, and defamation law. You agree to cooperate fully with PYMNTS.COM in developing and asserting any available defenses in connection with a claim subject to indemnification by you under this Agreement.