- 1 - Gateway to Managed Payment Services Extending your Sales Channels Accept secure on-line internet payments Vision and Strategy YESpay E-Commerce Payment Service Cutting the cost of Internet Payment Processing Rohit Patni EVP Sales and Marketing

- 2 - Gateway to Managed Payment Services Extending your Sales Channels Accept secure on-line internet payments Presentation Plan Key Players & Business Drivers Increased security Improving payment efficiency Driving down integration and PSP charges YESpay Background EMBOSS Payment Processing Service

- 3 - Gateway to Managed Payment Services Extending your Sales Channels Accept secure on-line internet payments Key Players – Payment Process Value Chain Card Acquirers Payment Service Provider From store to webIntegrated on-line paymentsMinimal service cost ConsumerseMerchants E-Commerce site developers

- 4 - Gateway to Managed Payment Services Extending your Sales Channels Accept secure on-line internet payments Key Players Business Drivers eMerchants –Attract and retain customers –Increase revenues via new sales channels – 24hour shopping! –Implement increased security - PCI-DSS, AVS, CVV and 3D Secure (Verified by Visa & SecureCode) –Real-time transaction reports to simplify reconciliation –Support subscription payments and eWallets (multiple payment methods) –Reduce transaction processing costs - flat monthly fee, no individual transaction charges or annual fees Consumers –Convenience of on-line shopping –Privacy and Security – VBV & SecureCode –Low transaction costs

- 5 - Gateway to Managed Payment Services Extending your Sales Channels Accept secure on-line internet payments Key Players Business Drivers E-Commerce web/WAP site developers –Simple and rapid payment integration –Security utilising HTTPS, VBV / SecureCode and SSL –No bank testing or PCI DSS approvals Payment Service Provider (YESpay EMBOSS Service) –Attract and retain web merchants –Build trust (security, fraud avoidance) –Offer low-cost PSP services Acquirers/Issuers –Maximise brand coverage and expand transaction revenue –Fraud avoidance (Mandate use of 3D Secure)

- 6 - Gateway to Managed Payment Services Extending your Sales Channels Accept secure on-line internet payments Increased security with PCI-DSS & 3D Secure PCI-DSS accreditation – secure storage of card details Verified-By-Visa & MasterCard SecureCode –Cardholder authentication to protect the retailer from fraudulent claims –Simple password protected identity checking service –Removes risk of charge-backs from cardholders repudiating an online transaction Equivalent to Chip and PIN at a retail Point-of-Sale VBV/SecureCode Authentication Server Product / Service

- 7 - Gateway to Managed Payment Services Extending your Sales Channels Accept secure on-line internet payments How it Works Click for demo

- 8 - Gateway to Managed Payment Services Extending your Sales Channels Accept secure on-line internet payments Improving payment efficiency – eWallets Customer eWallet –Stores card details securely –Avoid entering card details with every online transaction –Secure cardholder login to eWallet – transaction reporting Merchant eWallet –Merchant is provided with a subscription account id for the wallet account –Merchant can charge a customer using the cardholder’s subscription account. Advantages –All the card details are stored on EMBOSS - no need for the merchant to be PCI DSS complaint –Merchant website only requires the cardholder to enter card details once –Useful for applications requiring recurring charges

- 9 - Gateway to Managed Payment Services Extending your Sales Channels Accept secure on-line internet payments Sample E-Wallet Registration Page

Gateway to Managed Payment Services Extending your Sales Channels Accept secure on-line internet payments Driving down the cost of Online Payment Processing

Gateway to Managed Payment Services Extending your Sales Channels Accept secure on-line internet payments Cutting the cost of Integration Re-direction model (EMBOSS pay page) –Cardholder is redirected to the EMBOSS website for entering the card details –All the card details are captured directly on EMBOSS for processing API model (Merchant generated pay page) –Merchant website presents the card capture pages to the customer –Card details submitted to EMBOSS for processing YESpay offers 2 integration methods –YESpay Merchant Plug-in installed on the Merchant’s web server –HTTP POST method does not require any YESpay software installation on the merchant website Simple to integrate and can be supported from any web application platform Web application only requires the EMBOSS merchant details and the password to start processing transactions Reduced support as no installation of the merchant plug-in

Gateway to Managed Payment Services Extending your Sales Channels Accept secure on-line internet payments Offer to Website Developers Free Simple to integrate e-Merchant Website Payment Plug-in Toolkit (FREE) No formal bank testing required (Pre-approved) We provide integration support (FREE) We provide validation testing service (FREE) End to End process including testing takes 5 – 10 days

Gateway to Managed Payment Services Extending your Sales Channels Accept secure on-line internet payments Traditional PSP Processing Fees Setup & Annual Costs Monthly Fees: Acquiring banks / PSPs Transaction Charges: %age of transaction plus fixed transaction fee 3D Secure authenticated transaction Y/N Example Costs Set-upRecurring CostsMerchant Service Charges Generic Acquiring £200£ % per credit card transaction plus ~1% of trans£ £0.45 per debit card transaction Source:

Gateway to Managed Payment Services Extending your Sales Channels Accept secure on-line internet payments YESpay Payment Processing Fees Example Costs: Annual turnover£250K average trans value £20 YESpay Charges: £40 Setup fee FIXED £49.50 per month up to 1250 trans / mth Total Annual Cost = £634 ~4p / trans NO annual or maintenance fees NO per YESpay Transaction Fees or Percentage of Transaction Charges (other than IMA charges) NO Settlement Fees Same payment platform used for Chip and PIN payment processing

Gateway to Managed Payment Services Extending your Sales Channels Accept secure on-line internet payments Internet Merchant Accounts (IMA) YESpay IMA Charges –Authenticated (VBV / SecureCode) Credit Card ~2%- 2.5% Debit Card ~18p – 25p –Unauthenticated Credit Card ~2.4% - 2.9% Debit Card ~25p – 30p Costs depend on: –business’ average transaction value –transaction frequency –perceived security risk –exposure level –online turnover –how long the company has been trading

Gateway to Managed Payment Services Extending your Sales Channels Accept secure on-line internet payments YESpay Background Operating since 2002 as Payment Service Provider (PSP) –Headquartered in London with development & support centre in India EMBOSS - Multi-channel retail managed payment service –Verified-By-Visa / MasterCard SecureCode compliant e-commerce payments –EMV national payment services supporting EPOS, Kiosk and Mobile POS payments –Fully acquirer pre-accredited IP-based Payment Gateway Service –Highly secure payment services – PCI-DSS accredited by Visa and MasterCard –Focus on Europe, USA and Asia Pac markets Channel sales strategy –Payment Services Delivered through Partnership > 300 partners –Recurring revenue streams for YESpay and its partners Low-cost, high-performance alternative to expensive ‘in-house’ payment solutions

Gateway to Managed Payment Services Extending your Sales Channels Accept secure on-line internet payments Customer References dolcis

Gateway to Managed Payment Services Extending your Sales Channels Accept secure on-line internet payments EMBOSS Payment Processing Service Turning Internet Promises into Profit –Our solutions provide a substantial return-on-investment –You can deploy quickly with low integration and no ongoing maintenance costs The Right Technology –Built on flexible and open technology platforms for easy integration –Support the broadest set of platforms and open standards A Complete Solution –Exclusively targeting e-commerce and Chip & PIN business initiatives –Supports proven cryptographic standards and PCI-DSS accredited –Multi-acquirer accredited Market Tested Product Technology –Our track record in delivering secure payment solutions is second to none –Supported by an extensive customer base

Gateway to Managed Payment Services Extending your Sales Channels Accept secure on-line internet payments Any e-commerce strategy has to be centred on a powerful, secure and cost-effective on-line payment platform. Enable your retail website with YESpay’s EMBOSS Internet payment service to securely authorise and settle high-volume on-line payment transactions with multiple processors and acquirers. SEE US ON STAND E535 Questions? +44(0)