Euronet s Integrated Prepaid Solution Gain Loyalty and Increase Revenue with Prepaid Cards

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1 Serving millions of people worldwide with electronic payment convenience. Euronet s Integrated Prepaid Solution Gain Loyalty and Increase Revenue with Prepaid Cards Copyright 2010 Euronet Worldwide, Inc. All rights reserved. Any and all product names, company names, logos and trade names used in this publication are assumed to be the legal property of their respective companies.

2 GLOBAL PROVIDER FOR ALL OF YOUR PAYMENT PROCESSING NEEDS Euronet is recognized around the world as an industry leader for providing one of the most comprehensive, fully integrated electronic financial transaction solution suites available in the market today. Our integrated software solutions are at the core of our payments hub architecture. Our software solutions have been installed more than 300 times in over 70 countries, and provide substantial reduction in the overhead costs associated with managing multiple delivery systems and vendor interfaces. Euronet s software solutions are multi-currency and multi-language capable which provide the flexibility your organization needs to expand service offerings into additional customer delivery channels without reconfiguring or relicensing the technology. Complementing over 30 corporate locations worldwide, Euronet s Software Division is headquartered in Little Rock, Arkansas, with offices in Egypt, Greece, Hungary, Miami, New Zealand, Orlando, Portugal, Sri Lanka and the United Kingdom. Euronet Chenal Parkway, Suite 200 Little Rock, Arkansas

3 PREPAID CARDS ON THE RISE Prepaid cards are more popular than ever before. They are becoming an established and fast-growing segment of the overall payments environment. Growth has been driven primarily by consumer payment applications such as gift cards, money transfers and general-purpose cards targeting the unbanked and underbanked population. As the prepaid market continues to flourish, so will the types of products and services made available to consumers and businesses. Euronet s Integrated Prepaid Solution provides the flexibility to cover a wide range of products including gift, travel, payroll/salary, teen spending, remittance and mass transit cards. These products can be open or closed loop, anonymous or personalized, magnetic strip or EMV and even coupled with Euronet s contactless solution. While corporate use of payroll cards is on the rise, retail outlets continue to be the main distribution centers for prepaid cards. As such, retailers rely heavily on financial services organizations as network branded cards (open loop) are poised to surpass cards issued for use at specific merchants or establishments (closed loop). With the popularity and growth of prepaid cards, it is imperative that financial services organizations have a superior end-to-end solution that is highly flexible and can quickly adapt to new market requirements. Euronet s Integrated Prepaid Solution can do just that. Increase profitability, create new income streams and reduce costs while targeting new customers with Euronet s Integrated Prepaid Solution.

4 ENJOY THE BENEFITS OF EURONET S INTEGRATED PREPAID SOLUTION With Euronet s Integrated Prepaid Solution, companies can enjoy a comprehensive offering that will grow with the needs of the market and provide numerous benefits. Not only does Euronet s Integrated Prepaid Solution have the potential to open new avenues of profitability, operational efficiency and cardholder loyalty, but it also allows financial services organizations to offer value added services by processing prepaid cards (gift cards) on behalf of merchants. Manual or paper transactions processing times are estimated to be about 100 times more than electronic transactions. Companies can significantly reduce their costs and paper use when utilizing an integrated prepaid solution. Compared to cash, electronic payments offer advantages to everyone involved consumer, merchants and financial services organizations by allowing faster transactions, better recordkeeping and greater security. Whether as a salary advance card, a budget card or a mass transit card, Euronet s Integrated Prepaid Solution positions your company as a major player in the payment space.

5 DIVERSE SET OF PRODUCTS Gift Cards This includes cards offered either by banks or by merchants. These cards can be purchased for a fixed value or purchaser s desired value and given as gifts. Payroll or Salary Cards Employee wages are distributed via load to a card rather than issuing a payroll check or electronic deposit into a traditional bank account. There is a fastgrowing business case for payroll cards as the unbanked and under-banked markets continue to be the focus. Many of these consumers cannot or choose not to have a banking relationship. Money Remittance Card Immigrant labor continues to grow globally and so is the need for money remittance products that reduce the cost per transaction. Euronet s Integrated Prepaid Solution facilitates remittance using twin open loop cards or deposit to a prepaid card on the recipient s end often with some kind of relationship between the sending and receiving institutions. Internet Use Card With increasing suspicion surrounding card fraud and identity protection on the Internet, the use of a card that is not tied to a bank account or has limited exposure is very attractive. Teen Spending Cards Whether as an introduction to financial independence or a payment instrument for allowances while attending school, this product is a good way to control a teenager s expenses while teaching valuable money management techniques. Travel Cards A secure option to vacation expense management replacing the need for traveler checks, cash or even your regular bank cards. Prepaid cards acceptable at all the major networks have now become a viable secure option. Mall Cards Merchants are able to setup a kiosk at strategic positions at the mall or otherwise where prospective customers can purchase a prepaid card to be used at the merchant store and even get discounts when using the cards. Mass Transit Card Use of cards for public transport payment such as trains, buses and subways, this product coupled with Euronet s contactless solutions provides a viable option to mass transit payment.

6 FEATURES AND BENEFITS Graphical user interface Internal application security Enhanced embossing controls Card usage controls Transaction limit Robust fee structure Central client and notes data bases Online fees at the time of the transaction Multiple card activation options Account management Detailed authorization Authorization 24/7

7 CHOOSE EURONET AS YOUR TRUSTED PARTNER Through combined expertise in terminal driving, transaction switching, processing and software development, Euronet delivers more types of integrated transaction and payment solutions than ever before. Our team of experienced professionals, suite of integrated products and dedication to excellence in customer service enable us to meet your electronic financial payment needs and help you achieve more success and profitability. With Euronet, you benefit from more than 35 years of diverse payments experience and gain a focused partnership with an industry leading, financially sound, global organization. Make the smart choice by choosing Euronet an organization uniquely positioned to meet your diverse needs - any time, any place. Card Issuing Solutions ATM Card Issuing Credit Card Issuing Debit Card Issuing Prepaid Card Issuing Contactless Card Support Chip Card (EMV) Support Self-Service Solutions ATM Device Driving POS Device Driving ebanking Solutions Telephone Banking Internet Banking Mobile Banking EURONET S PAYMENT SOFTWARE SOLUTIONS Card Association Payment Solutions International EFT Network Interface American Express Discover MasterCard China Union Pay JCB Visa Regional EFT Network Interface Proprietary EFT Network Interface Value-Add Offerings Dynamic Currency Conversion Customer Relationship Mgmt Bill Payment Alerts and Notifications Recharge Remittance / Money Transfer Payout Back-Office Processing Solutions Credit Card Management Merchant Acquiring Shared-Network Processor Professional Services Project Consulting Project Management Solution Delivery Training Customer Support CONTACT US For more information about Euronet s Integrated Prepaid Solutions, or about Euronet s e-banking, Self-Service and Card Association Solutions, contact your Euronet account representative or us at sales@eeft.com.

8 Copyright 2010 Euronet Worldwide, Inc. All rights reserved. Any and all product names, company names, logos and trade names used in this publication are assumed to be the legal property of their respective companies. September 2010 v.3.0, 4.0, 4.1, 4.2