1. Internet Acquiring in EU and CIS

2. About us More than 15 years of experience in e-Commerce
Participation in management of the largest PSP services in Russia
Own software uniting various payment methods and antifraud system
Since 2015 we are presented at the market of EU countries as UK licensed payment institution
Our main goal is to provide settlement functions for the PSP companies

3. E-commerce in the CIS becomes really international
Why we moving to the West?

4. The CIS companies enter the market of the EU
Generally services are: SAAS, online games, IT service, dating
Main jurisdictions: Cyprus, Great Britain
Important requirement: financial and IT support on Russian language OR

5. Purchases in foreign online stores grow in the CIS
Goods with physical delivery and mobile apps are most popular
Development of logistic infrastructure accelerates growth
BUT
In Russia the government tries to limit operational use of foreign Internet services by so-called "tax on Google"

6. Comparison of the EU and CIS acquiring services
One product – Different markets

7. EU CIS Payment methods Bank cards E-banking PayPal Wire transfer
E-money, self service kiosks
But… Only cash on delivery for goods

8. AML and Security EU
More difficult, disclosure of beneficiaries is required
Rolling reserve and payout hold are the normal practice
Simple chargeback procedures for payers
CIS
Usually simple, requires minimal number of documents
No reserves and immediate payout
Sometimes it’s hard to initiate chargeback

9. Fare policy EU
PSP and PayPal usually works with small and medium size e-shops
Fares at higher level, fix part of commission is used
Additional fees are widely used
CIS
PSP and banks compete on equal terms even in a case of small e-shops
High price competition, small margin of PSP (plus of 0,4 - 0,8% to interchange rate is normal)
No installation or regular fees

10. Recent tendencies
The volume of cross-border trade will be continue to increase
Despite regional distinctions, Internet acquiring services is commodity product and conditions of cooperation in the different markets will be gradually leveled
Payment services will actively enter the new markets, using local financial institutions

11. Ready to explore new markets?
Cauri will help you!