ONLINE PAYMENT METHODS Worlwide Supported Payment Methods Overview

ONLINE PAYMENT METHODS Worlwide supported payment methods overview

Nexway’s range of payment methods is part of Nexway MONETIZE solution.

MONETIZE starts with Nexway acting as merchant of record (MoR). You keep control of your product and catalog, customers, user experience, and marketing operations. Nexway, as MoR and your legal reseller, is liable to the financial institutions that process the payments to ensure security and data integrity. Nexway secures transactions and payments worldwide, collects and remits orders and sales tax, provides fulfillment integrations, and ensures data compliance, leaving you the time to invest in your products & services!

Built upon a micro-service and API based architecture, Monetize is able to couple next generation payments, AI and big data capabilities to provide a unique approach to software, game and service monetization.

Nexway Nexway Payment Methods| © Nexway 2017 Nexway supports flexible payment options!

CARD PAYMENTS ALTERNATIVE PAYMENTS MOBILE WALLETS

We accept major credit card We support several ways to We give customers the option payments from over 140 pay including major alterna- to use Apple Pay ™, Android countries worldwide. tive payment methods, online Pay ™ and other mobile wal- and offline bank transfers, lets. direct debits and more.

MAIN PAYMENT CARDS

Payment cards are not the only way to pay for online transactions. In reality there are more than 300 different types of payments in the e-commerce world.

Nexway Nexway Payment Methods| © Nexway 2017 ALTERNATIVE PAYMENT METHODS & WALLET

ONLINE BANK TRANSFERS  Online: Customers use their online or real-time Bank account to transfer money with imme- diate online authorisation. Examples: iDEAL, eNets, Sofort, Giropay Offline: Customers make an offline payment by using a payment reference. (Authorisation is de- layed). Examples: Dineromail, SafetyPay

DIRECT DEBITS  For instance predictable recurring transactions such as subscriptions. Examples: SEPA DD

E-WALLETS  An e-Wallet is a secure place that contains one or more currency purses. Shoppers can fund an e-Wallet in several different ways. Once funded, shoppers can use e-Wallets online to buy goods or services. a Examples: Alipay, PayPal, Qiwi, Yandex

MOBILE  Direct carrier billing: Increasingly important in developing markets such as Africa, this is quick and simple with shoppers paying by just providing their phone number. Examples: DaoPay Mobile wallets: There is a growing choice of mobile wallets that operate in their local country or ter- ritory. Few are capable of global reach yet. Examples: Apple Pay

LOCAL CARD SCHEMES  These schemes often operate like traditional cards but only in specific domestic markets in most cases. Some are more sophisticated e.g. offering card and bank transfer options. Examples: MisterCash, Cartasi, Postepay, Carte Bleue

Nexway Nexway Payment Methods| © Nexway 2017 PRE-PAY  Customers are required to buy a card or voucher before starting a transaction. These payment types are usually authorised immediately. Examples: Astropaycard, Postepay, uKash, Neosurf, Paysafecard, Toditocas

POST-PAY  When customers buy a product or services online, they pay for it later at an affiliated outlet or store. In most cases, the delay between the initial transaction and settlement makes it non-suitable to sell perishable goods and time-sensitive purchases, such as travel tickets. Examples: Konbini, Boleto Bancário, Multibanco

E-INVOICES  Customer pay for their goods after delivery without sharing credit card or bank details. Examples: Klarna

Nexway manages global & local payments Nexway adresses the complexities & challenges within the global market Nexway solutions suit customer needs

Nexway Nexway Payment Methods| © Nexway 2017 MAIN PAYMENT METHODS BY REGION

Knowing which payment methods are preferred in key markets will help you understand how to de- velop your global payment strategy.

NORTH AMERICA USA Most Representative Alternative

Visa ACH - Direct Debit Mastercard American Express Paypal Discover

CANADA Most Representative Alternative

Visa Interact Online - Online Debit Mastercard Interac Online American Express

EUROPE AUSTRIA Most Representative Alternative

EPS Loyalty cards - Support for various Sepa direct debit loyalty and store cards Visa Bank Transfer - Offline bank transfer EPS - Online Banking SEPA Direct Mastercard Debit - Direct debits in the SEPA area SOFORT Banking - Online banking supporting various local bank

Nexway Nexway Payment Methods| © Nexway 2017 BELGIUM Most Representative Alternative

Bancontact Bank Transfer - Offline bank transfer Mastercard BanContact/Mr. Cash - Debit card in Belgium Visa SEPA Direct Debit - Direct debits in the SEPA area Paypal SOFORT Banking - Online banking supporting various local banks

CZECH REBUBLIC Most Representative Alternative

Mastercard Česká Spořitelna - Online Banking. Online banking ČSOB - Online Banking Visa GE Money - Online Banking Paypal Komerční Banka - Online Banking Raiffeisen Bank - Online Banking SEPA Direct Debit - Direct debits in the SEPA area UniCredit - Online Banking Volksbank - Online Banking.

DENMARK Most Representative Alternative

Visa dankort Bank Transfer - Offline bank transfer Mastercard Dankort - Local debit card scheme Klarna Danske Bank - Online Banking Paypal Jyske Bank - Online Banking Nordea - Online Banking Open Invoice - Payments on credit by open invoice SEPA Direct Debit - Direct debits in the SEPA area

FRANCE Most Representative Alternative

Cartes Bancaires Bank Transfer - Offline bank transfer Visa Cartes Bancaires - Debit cards in France Mastercard SEPA Direct Debit - Direct debits in the SEPA area Paypal American Express

Nexway Nexway Payment Methods| © Nexway 2017 GERMANY Most Representative Alternative

SEPA direct debit Bank Transfer - Offline bank transfer Giropay ELV - Electronic bank debit in Germany Klarna Giropay - German online banking payment supporting various Visa local banks Paypal SEPA Direct Debit - Direct debits in the SEPA area Mastercard SOFORT Überweisung - Online banking supporting various local banks Sofort Open Invoice

FINLAND Most Representative Alternative

Finnish eobanking Bank Transfer - Offline bank transfer Visa Ålandsbanken - Online banking Klarna Aktia - Online Banking Paypal Danske Bank - Online Banking. Handelsbanken - Online banking Nordea - Online banking. OP-Pohjola - Online Banking Mastercard Open Invoice - Payments on credit by open invoice Osuuspankki - Online banking POP Pankki - Online Banking Säästöpankki - Online Banking S-Pankki - Online Banking SEPA Direct Debit - Direct debits in the SEPA area Tapiola - Online banking

ITALY Most Representative Alternative

Visa CartaSi - MasterCard and/or Visa co-branded card in Italy Mastercard Postepay - Visa co-branded card in Italy Paypal SEPA Direct Debit - Direct debits in the SEPA area American Express

Nexway Nexway Payment Methods| © Nexway 2017 THE NETHERLANDS Most Representative Alternative

iDEAL Bank Transfer - Offline bank transfer. SEPA direct debit Ideal - Online banking in the Netherlands. Realtime payment Mastercard method covering all major issuing banks Visa Direct debit (incasso) - Direct debit from shopper bank account Paypal initiated by merchant Klarna Entertainment Card - Prepaid card that is sold in a wide variety of retail stores Gift Cards - Prepaid cards sold in a wide variety of retail stores, including Podium Cadeaukaart and Babygiftcard Open Invoice - Payments on credit by open invoice SEPA Direct Debit - Direct debits in the SEPA area

NORWAY Most Representative Alternative

Visa Bank Transfer - Offline bank transfer Mastercard Bankaxess - Online banking Klarna Open Invoice - Payments on credit by open invoice Paypal SEPA Direct Debit - Direct debits in the SEPA area

POLAND Most Representative Alternative

Pay-by-links Bank Transfer - Bank transfer Visa Bank Zachodni WBK - Online Banking Mastercard Crédit Agricole - Online Banking Paypal ING Bank - Online Banking Inteligo - Online Banking mBank - Online Banking Millennium Bank - Online Banking MultiTransfer - Online Banking by MultiBank Nordea - Online Banking SEPA Direct Debit - Direct debits in the SEPA area

PORTUGAL Most Representative Alternative

Multibanco MultiBanco - Offline ATM-based payment method Visa Payshop - Offline ATM-based payment method Mastercard SEPA Direct Debit - Direct debits in the SEPA area

Nexway Nexway Payment Methods| © Nexway 2017 RUSSIA Most Representative Alternative

Visa Bank Transfer - Bank Transfer. Qiwi Cash Terminals - Payments with Russian Cash terminals. Yandex Money Moneta - Wallet. Online Banking - Online Banking. Paypal Qiwi - Wallet that can also be topped up via payment terminals. WebMoney - Wallet. Yandex - Wallet

SPAIN Most Representative Alternative

Visa Bank Transfer - Offline bank transfer Mastercard Banc Sabadell - Online Banking Paypal Banco Pastor - Online Banking Banco Popular - Online Banking American Express Bank Inter - Online Banking Bankia - Online Banking BBVA - Online Banking ING - Online Banking La Caixa - Online Banking Safetypay - Online Banking Santander - Online Banking SEPA Direct Debit - Direct debits in the SEPA area

SWEDEN Most Representative Alternative

Mastercard Bank Transfer - Offline bank transfer Klarna Danske Bank - Online Banking Visa Forex Bank - Online Banking Handelsbanken - Online Banking Online banking ICA-Banken - Online Banking Paypal Länsförsäkringar - Online Banking Nordea - Online Banking Open Invoice - Payments on credit by open invoice SEB - Online Banking SEPA Direct Debit - Direct debits in the SEPA area Skandiabanken - Online Banking Swedbank - Online Banking

Nexway Nexway Payment Methods| © Nexway 2017 SWITZERLAND Most Representative Alternative

Open Invoice Bank Transfer - Bank Transfer in Switzerland Mastercard SEPA Direct Debit - Direct debits in the SEPA area Sofort Visa Paypal

TURKEY Most Representative Alternative

Visa Cash on delivery - Cash Mastercard Electronic Fund Transfer/Wire Transfer - Online fund transfer Paypal Debit Card - Direct debit iPara - e-Wallet Prepaid Card - Prepaid Card

UNITED KINGDOM Most Representative Alternative

Visa Bank Transfer - Offline bank transfer Mastercard SEPA Direct Debit - Direct debits in the SEPA area BACS Direct Debit V PAY - European debit card based entirely on chip and PIN Paypal American Express

LATIN AMERICA BRAZIL Most Representative Alternative

Visa Aura - Credit Card Mastercard Banco do Brasil - Online Banking Boleto Bank Transfer - Bank Transfer Elo Banrisul - Credit Card Boleto - Cash Bradesco - Online Banking ELO - Credit Card Hipercard - Credit Card Itaú - Online Banking MercadoPago - Wallet Safetypay - Online Banking

Online Banking 7-Eleven - Cash Visa Bank Transfer - Bank Transfer Paypal Elektra - Online Banking American Express MercadoPago - Wallet Oxxo - Cash Safetypay - Online Banking.

ASIA PACIFIC AUSTRALIA Most Representative Alternative

Visa POLi Payments - Online Banking Mastercard American Express Paypal POLi

CHINA Most Representative Alternative

Alipay Alipay - Wallet UnionPay - Expresspay Tenpay - Wallet WeChat Pay UPOP - Union Pay Online Payment Visa Mastercard

HONG KONG Most Representative Alternative

Visa PPS - Direct Debit Mastercard Paypal American Express

Visa ATM Card Payment - ATM payments covering most of Indian banks Mastercard ATM cum Debit Card - Popular payment method for non credit Online banking card holders. Connected to all major Indian issuing banks American Express Done Card - Prepaid Card Itz Cash - Prepaid Card noQ24x7 - Prepaid Card Online Banking - Debit network covering 39 banks oxicash - Wallet PayMate - Mobile payments State Bank Freedom - Mobile payments 123 - Cash payment method via shops, ATM and bank branches

INDONESIA Most Representative Alternative

Online Banking BII Virtual Account - Online Banking Visa CIMB Clicks - Online Banking Mastercard Mandiri Click - Online Banking Doku wallet XL Tunai - Wallet

JAPAN Most Representative Alternative

Visa Edy Mobile - Osaifu-Keitai and Edy card Mastercard Mobile Suica - Prepaid rechargeable mobile wallet Konbini Pay-easy - Pay using an ATM or online banking. You can use ATMs JCB of the following banks with the Pay-easy Logo: Sumitomo Mitsui American Express Bank, Mizuho Bank, Resona Bank, Saitama Resona Bank, Postal Saving ATMs Payment at convenience stores - Payment at convenience stores (Konbini) WebMoney - Wallet.

MALAYSIA Most Representative Alternative

Online banking CIMB Clicks - Online Banking Visa MyClear FPX - Online Internet Banking Mastercard RHB Now - Online Banking Paypal

Visa Payment Express Account2Account - Real time bank transfer POLi Masterpass - e-Wallet Mastercard Cash on delivery - Cash Paypal

THE PHILIPPINES Most Representative Alternative

Mastercard BancNet - Direct Debit Visa Cash Payments (ATM/Bank) - Cash Bank Transfer Cash Payments (Non-bank) - Cash GCash Globe GCash - Wallet Internet Banking - Internet banking for multiple banks including BPI, RCBC, Metrobank and others Smart Money - Wallet

SINGAPOUR Most Representative Alternative

Visa eNets - Online Banking Mastercard

SOUTH KOREA Most Representative Alternative

Visa BC Global Card - South Korean credit card by BCcard. Treated Mastercard as Diners. Club/Discover outside Korea, credit card only. Bank transfer KFTC - Direct Debit, KFTC network covers most banks in Korea Mobile - For micro transactions of less than 1,000 KRW OK CashBag - A loyalty program from the SK Group Teen Cash - Prepaid Card

THAILAND Most Representative Alternative

Visa 123 - Cash payment method via shops, ATM and bank Mastercard branches Online Banking Bank of Ayudhya - Direct Debit Krung Thai Bank (KTB) - Online Banking Siam Commercial Bank - Direct Debit Nexway United Overseas Bank (UOB) - Online Banking Nexway Payment Methods| © Nexway 2017 ABOUT NEXWAY

Nexway is a leading provider of solutions to monetize digital businesses and connect companies to the worldwide digital market. Founded in 2002, Nexway has enjoyed rapid growth, thanks to strong and diversified partnerships. Based in Paris – La Défense, France, the company has subsidiaries in the USA, Brazil, Germany, Italy, Spain, Poland, and Japan. Leading companies who rely on Nexway include retailers Orange™, Yahoo! Japan™, Softwareload™, Best Buy™, Amazon™; and publishers Kaspersky Lab™, Kingsoft™, Adobe™, 2K Games™, Big Fish™, ESET™, Avast Software™ and many others.

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