Dear Merchants, RWD Transaction Panel. Cards introduction Beginning of cooperation with Elavon, joining PONIP, obtaining PCI DSS Level 1 certificate.

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1 The way to pay

2 Dear Merchants, When we started the company back in 2010, our main goal was to provide an appealing and effective alternative for payment systems previously existing on Polish market. Now we can say that we fulfilled our objectives by providing the best quality of payment services for over Merchants. Among them you can find the most successful international and Polish brands. In order to continue helping you to develop your businesses and achieve competitive advantages, we conducted comprehensive rebranding. With tpay.com it is now possible to effectively sell all over the world. tpay.com brand will ensure customers trust and transaction comfort in any place and currency. It s a great opportunity to expand your business and reach new customers. tpay.com payment system invariably guarantees the highest quality, speed and security of online transactions. Krajowy Integrator Płatności S.A., owner of tpay.com system, remains 100% Polish owned company and will keep developing Polish and international ecommerce market. We hope that we will help you to achieve great commercial success. PRESIDENT AND CEO Paweł Działak RWD Transaction Panel We were first in Poland to introduce panel adjusted for mobile devices. Cards introduction Beginning of cooperation with Elavon, joining PONIP, obtaining PCI DSS Level 1 certificate channels 30+ channels

3 Future of payments Who are we? We are payments trendsetters BEFORE The way to pay We change ourselves for you Online trade develops swiftly above national borders causing new stores to offer their products and services worldwide. Transferuj.pl changes into tpay.com to ensure the best quality of transaction on international level. Global brand image of Tpay.com will boost customer trust and allow efficient sales in all countries and currencies. Tpay.com international payment system will help you to get the most out of Omnichannel model by offering the widest spectrum on Polish and global payment channels. Awarded system We obtained Media Trendy, Quality International and Ekomers awards. We joined e-izba founding committee. Technological leader We introduced QR code payment, ehat.me, Premium SMS and FerBuy. Time for changes We change to tpay.com and focus on innovation, mobile and cross-border model channels channels channels

4 New Transaction Panel MOBILE PAYMENTS PAY-BY-LINKS ONLINE BANK TRANSFER CORPORATE BANKING CARD PAYMENTS CARD WALLETS POSTPONED PAYMENTS INTERNATIONAL PAYMENTS Bank logos Over 85% of buyers don t know exact logo and name of their Pay-By-Link service. Using bank logos reduced number of tiles in 1st payment step. Remembering channel Customer doesn t need to select his bank again during consecutive purchases which improves transaction speed up to 70%. STANDARD BANK TRANSFER (BLANK)

5 Over 150 payment methods Online payments Dedicated for your customers 30 MAIN POLISH BANKS +97 COOPERATIVE BANKS 7 MOBILE PAYMENT METHODS QR PAYMENT IN BANK MOBILE APPS BLIK SYSTEM PAY-BY-LINK IN MOBILE APP EHAT.ME MOBILE APP PREMIUM SMS PEOPAY APP IKO APP 134 INSTANT PAYMENT CHANNELS 5INTERNATIONAL PAYMENT CHANNELS CARD PAYMENT, MASTERPASS, PAYPAL, SEPA TRANSFERS IN EURO, INTERNATIONAL BANK TRANSFER

6 Become our Merchant Reliable system tpay.com ensures SLA 99,99% Transaction security

7 QR code payment Mobile payments We focus on Omnichannel SELECT QR PAYMENT IN TRANSACTION PANEL LOG IN TO YOUR BANK MOBILE APP SCAN DISPLAYED QR CODE CONFIRM TRANSACTION ON YOUR PHONE Payments via bank app QR code payments ensure maximum comfort, speed and the highest level of security. This is excellent way to reach mobile customers. While paying with QR code you don t need to log in to your bank account on a computer whole process commences in bank mobile app.

8 Shopping on any device Responsive Web Design tpay.com website and Transaction Panel were created with RWD Responsive Web Design technology and they are displayed perfectly on all devices. Responsivity in tpay.com ensures comfortable payments in all situations also using smartphone or tablet. With RWD you can increase mobile sales and offer Customers flexible solutions. tpay.com mobile libraries tpay.com mobile libraries allow to integrate instant payment module in any mobile app used by our Partners. With this solution you can save lots of time and money needed for developing the technology by yourself. Mobile Libraries were prepared for Android and ios. We provide files and documentation which grant fast and simple integration of payment module in your mobile app.

9 BLIK payment Mobile payments We focus on Omnichannel SELECT BLIK PAYMENT METHOD IN YOUR BANK MOBILE APP PRESS BLIK ICON TRANSCRIBE BLIK CODE TO TRANSACTION PANEL CONFIRM PAYMENT ON YOUR PHONE BLIK payment BLIK is a polish mobile payment system which uses 6 digit, nonrecurring codes. System ensures maximum speed and convenience of mobile payments in any place and time. BLIK doesn t require logging in to bank account, you just need to generate new code in mobile app and confirm transaction on your phone.

10 Card payments with Elavon Solutions for any scale Elavon is the fifth largest financial institution in the world which processes transactions for over 1.3 million companies all over the world ensuring comprehensive, secure and scalable payment solutions. Transactions in all currencies You can accept card payments in any currency using DCC dynamic currency conversion. DCC is available for VISA and MasterCard card holders. 24/7 Service As Elavon Merchant you receive twenty-four-hour service and access to technical helpdesk. Security and quality All card payments in Tpay.com are protected by 3D Secure ensuring the highest level of card payment security.

11 Card payments with tgate Card payments Leading card solutions Integrate tgate in your store The best technology available on market which allows to pay directly within store s website without redirections to acquirer s page. tgate card payment gate offers the highest level of security, payment convenience and appealing design which all boost customer s satisfaction. Cyclic payments in tgate Tgate payment gate allows remembering buyer s card number and making consecutive purchases with just 1 click. This solution also allows to accept cyclic payments which is great way of selling subscriptions and paid content access.

12 Additional payment methods Premium SMS Premium SMS offers possibility to pay for services or website access with any telephone. tpay.com provides widget which you can place directly within your website. Customer doesn t need to own a bank account or credit card and SMS payment is fully anonymous any prepaid card is sufficient for completing transaction. MasterPass tm MasterPass is a digital card wallet allowing making purchases with card all over the world. After registering your payment cards you can easily pay by logging to your MasterPass account. PayPal PayPal service allows it s users to globally transfer funds for online purchases. After registering their credit cards, customers can make international transactions from all countries.

13 Online instalments Broad choice Full spectrum of payments Online instalments Online instalments with constant rate of interest are available for purchases between 300 and PLN. You can place Instalment Calculator on your website so that Customers can calculate value of single instalment before making a purchase. FerBuy FerBuy offers the buyers possibility to pay for orders up to 14 days after making a purchase or using instalments. Customer receives credit decision within 30 seconds with minimal number of formalities.

14 How it works? ehat.me is easy-to-use and free of charge tool for gathering funds online. With ehat obtaining money is much easier, faster and more effective than with cash only. ehat enables running your own projects, settlements between users and buying together online. You can also use the service to instantly transfer money to your friends. ehat.me mobile app ehat.me also provides its users with mobile app allowing to organize ehats and transfer money to friends, family or coworkers using just smartphone. With ehat.me mobile app you can conveniently and swiftly gather required funds during meal, party or outdoors.

15 Become ehat.me partner Group payments Increase your sales and reach ehat.me partnership program Cooperation with ehat.me is an excellent opportunity to increase your revenue and reach of your products and services. Use full extent of advertising possibilities offered by ehat and provide your customers with comfortable and effective payment method. Boost your sales Group payments allow more frequent purchases of more expensive products increasing your revenue. New customers With group purchases your offer becomes available for completely new groups of customers. Advertising ehat.me community consists of thousands of users whom you can successfully reach with your advertising. Joint promotion If you want to promote your product or to conduct innovative marketing campaign ehat.me is the perfect solution.

16 Dedicated corporate solutions VARS VARS stands for Virtual Account Recharge System. With this technology customers can make bank transfers with same title in order to charge their accounts without having to make a shop order. Users can make purchases, also mobile, in any place and time. VARS is best suited for companies who s regular customers frequently recharge their accounts. The best examples are tickets sale and sports betting. VARS ensures maximum comfort and encourages customers to frequent purchases, WhiteLabel WhiteLabel system enables accepting payments that are posted 24/7 in a way that your company data is displayed as payment recipient. WhiteLabel is aimed for the largest companies trusted by Customers. This is the most effective solution if you want to accept valuable payments which are posted immediately.

17 System features Additional possibilities Improve and develop business Multi-access tpay.com offers multi-access feature which is perfect technology for franchise companies who wish to settle all payments within one management system. You just need to create subaccounts to the main account and pass access data to owners of franchise points. Payment refunds tpay.com enables possibility of making refunds both in Merchant Panel as well as through API. You can also use automatic refunds feature which allows to send money back even before charging commission. This is one of the most effective solutions for selling products limited by time such as tickets. Mass payouts tpay.com system allows you to commission even up to 500 transfers simultaneously with mass-payouts feature. After creating correct CSV file you just need to upload it in Merchant Panel to make all required settlements with customers.

18 Payments without system integration Payment forms This tool allows you to generate website with payment form for your products or services. Amount and scope of data required for payment can be freely modified. Payment forms is an excellent way to build individual relations with Customers. It is possible to accept payments without full payment system integration. Creating a payment form doesn t require any technological expertise you just need to drag and drop desired components. Payment links In Tpay.com you can generate payments URL that allow customer making payment that is specifically described by Merchant. You can send payment link directly to the customer or place it on digital invoice.

19 Bank selection in your store Additional possibilities Improve and develop business Bank selection in your store tpay.com payment system can also be integrated so that payment method choice takes place within shop s website. After choosing bank customers will be guided directly to bank logging panel. This technology boosts transaction speed and customer trust to online purchases. To use this solution you just need to follow provided technical documentation.

20 Easy payments integration tpay.com libraries With ready to use libraries provided by tpay.com you can integrate instant online payments in any dedicated or original ecommerce platform and offer your customers automated payments. tpay.com libraries enable integration in the shortest period of time possible, requiring minimal amount of work. This allows to elicit significant savings and increases flexibility of used solutions. Transactions and refunds API tpay.com provides comprehensive API which can be used for comfortable payments management from store s dashboard. To apply tpay.com API you just need to follow instructions in technical documentation. Technical documentation With tpay.com technical documentation you can easily and effectively integrate payment system in your solutions. Documentation is available both in Polish and English language.

21 Quick implementation Easy integration Save time and money 54 READY-TO-USE SHOP MODULES Shop modules With provided shop modules it s possible to integrate tpay.com payment system in the most popular ecommerce shop platforms even in few minutes. You can choose between open-source and commercial solutions offered on Polish and international market. tpay.com ensures flexibility and easy integration for your business.

22 Transaction confirmation Payment confirmation Electronic Payment Confirmation (EPC) is information about registering a payment in tpay.com system sent via to customers and merchants. This message allows easy payment identification and beginning the order execution process. With EPC you can also check current transaction status and pay again if any problem occurs. Tpay.com reports We provide you with opportunity to download comprehensive report about transactions, refunds, charges and commissions. You just need to log in to Merchant Panel and download report for any period of time. Additionally we can generate and automatically send you transaction reports daily or monthly.

23 Contact us We exist for you Always willing to help Customer service tpay.com provides helpline available between 8 AM and 10 PM GMT info@tpay.com

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