Discover the world’s payments

1 Discover the world 's payments How Alternative Payment Methods can help you to grow your business globally PAYMENT METHODS ALTERNATIVE payments . What are Alternative Payment It's therefore essential to understand how your customers prefer to pay in order to offer the most appropriate payment mix for your business. Methods? Cards are not the only way to pay for online transactions. In fact, there are over 300 different types of payments in the world of eCommerce. Offering your customers different ways to pay Typically, Alternative Payment Methods are bank transfers, direct debits, eWallets, mobile payments , local card schemes, pre-pay, post-pay, and eInvoices. The global eCommerce landscape is very complex. Customers use a wide range of methods to pay online and these payment methods often vary by geography and sector. In many countries, Alternative Payment Methods are your customers preferred payment methods and can represent a higher proportion of eCommerce growth in comparison to credit or debit cards.

2 2. 3. Direct Debits These are primarily low-value or predictable recurring transactions such as subscriptions. Examples: ELV, SEPA DD. 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: Boku Mobile wallets: There is a growing choice of mobile wallet payment options that operate in their local country or territory. Few are capable of global reach yet. Examples: Apple Pay Local Card Schemes These schemes often operate like traditional cards but, in most cases, only in specific domestic markets. Some are more sophisticated, offering card and bank transfer options. Examples: MisterCash, UnionPay, Carte Bleue Overview of available types of Pre-Pay Customers are required to buy a card or voucher before starting a Alternative Payment Methods transaction.

3 These payment types are usually authorised immediately. Examples: AstroPay Card, Postepay, Neosurf, Paysafecard, Todito Cash Bank Transfers Post-Pay Online: Customers use their online or real-time banking to transfer money with immediate When your customer buys a product or service online, they pay for it later online authorisation. Examples: iDEAL, eNets, SOFORT at an affiliated outlet or store. In most cases, the delay between the initial transaction and settlement means this does not suit if you are selling Offline: Enables your customers to make an offline payment by using a payment reference perishable goods and time-sensitive purchases, such as travel tickets. (authorisation is delayed). Examples: DineroMail, SafetyPay Examples: Konbini, Boleto Banc rio, Multibanco eWallets eInvoices Easy to use, this is the fastest growing payment method in the world and increasingly popular Your customer pays for their goods after delivery without sharing credit across all sectors.

4 Examples: Alipay, PayPal, Qiwi, Yandex card or bank details. Examples: Klarna 4. 5. Why choose Worldpay? 1. We understand the complexities and challenges within the global market 2 We understand consumer needs 3. We understand global and local payments A true partner for the world of online payments . 6. 7. 1. We understand the Alternative Payment Methods with Worldpay may allow you to: complexities and challenges within the global market There are over 300 different Alternative Payment Methods available globally. Reach new customers Increase conversion Drive your costs down and offer them a wide by offering customers Alternative Payment With over 25 years of knowledge and experience supporting the payment needs of our variety of payment their preferred payment Methods are more cost- customers, we are in a unique position to provide you with insights and clarity in what can be options.

5 Method, making it more effective to process than a complex and confusing decision for your company. likely that the transaction cards in some markets. will be completed. Associated costs may be lower due to a lower fraud risk. 8. 9. 3. We understand global and local payments It's essential to offer customers their preferred payment methods. payments vary by country, demographic and the type of product or service purchased. Equally, payment methods also differ in popularity by country. Understanding local preferences and selecting the most appropriate payment method is key to maximising acceptance and expanding internationally. In addition to providing insights into market characteristics and consumer behaviour, we also provide you with services that ensure they get the most out of their payment ecosystem, including ongoing analysis of transactions, refunds and settlement flows.

6 2. We understand customer needs The world of payments is constantly changing and we are at the forefront of the evolution. Working with thousands of merchants worldwide, we are uniquely aware of how global and local consumer behaviour is changing. This intelligence allows us to provide you with the most appropriate payment methods that will support your overall strategy. Often, this strategy is informed by the sector in which your company operates. 10. 11. Contact Worldpay Please visit for more information. 2018, Worldpay, LLC and/or its affiliates. All rights reserved. Worldpay, the logo and any associated brand names are trademarks or registered trademarks of Worldpay, LLC and/or its affiliates in the US, UK or other countries. All other trademarks are the property of their respective owners. Worldpay (UK) Limited (Company No. 07316500 / FCA No. 530923), Worldpay Limited (Company No.)

7 03424752 / FCA No. 504504), Worldpay AP Limited (Company No: 05593466 / FCA No: 502597). Registered Office: The Walbrook Building, 25 Walbrook, London EC4N 8AF and authorised by the Financial Conduct Authority under the Payment Service Regulations 2017 for the provision of payment services. Worldpay (UK) Limited is authorised and regulated by the Financial Conduct Authority for consumer credit activities. Worldpay has its registered office in Amsterdam, the Netherlands (Handelsregister KvK no. 60494344). WPBV holds a licence from and is included in the register kept by De Nederlandsche Bank, which registration can be consulted through Each of Worldpay (UK) Limited, Worldpay Limited, Worldpay AP Limited and Worldpay is part of the Worldpay group of companies including Worldpay, Inc. (a Delaware company). WEC073