Think big, think Brazil

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1 Think big, think Brazil Expand in Brazil and around the world confidently, with Worldpay GLOBAL ACQUIRING - BRAZIL

2 Brazil an exciting emerging ecommerce market With a population of million1 and a growing number of consumers buying online, Brazil accounts for 44% of ecommerce turnover in Latin America. This makes it the largest ecommerce market in this part of the world. Its size, coupled with ecommerce growth in Latin America projected to rise to over $94 billion in transactional value in 20222, make Brazil the market to be in. The numbers are big, and the opportunity is too good to miss. Domestic acquiring with added extras Our local acquiring platform is a single product that connects our gateway to the card schemes. Local processing means better acceptance rates for you, and an improved customer experience for your shoppers. Our international transaction capabilities and value added services go beyond that of our competitors. Unlock their potential to increase and protect your revenue, reduce costs and grow with experts. Here are just three examples of what we can offer: AuthPlus increases approvals by using a different acquirer if a transaction is not authorized first time. It identifies the best route for maximum authorization and reduces costs by using the cheapest route. Risk Guardian - intelligent fraud prevention tool that carries out a wide range of risk checks, allowing for customised reporting, flexibility and real time alerts. Optimization data scientists analyze merchant payment data and provide advice on how to optimize authorization rates, helping to maximize revenue and minimize cost. Did you know? % 80% of Brazilians don t of online payments value of online transactions have an international in Brazil in 2017 came in Latin America are credit card3 from Boleto Bancário paid in instalments 2

3 Reach your customers Visa and Mastercard are the most popular cards in Brazil, accounting for 84% of all ecommerce and Point of Sale (POS) payment value in But did you know that they are often restricted from cross-border transactions? Our domestic acquiring product will help you to expand your business and reach these customers. In addition to Visa and Mastercard, we can also make sure you accept other popular local cards, like Elo and Hipercard. And how about reaching those customers that don t have a bank card or bank account, but still want to buy online? It s simple with Boleto Bancário, the popular, post payment method. It s a secure payment method, with no risk of chargebacks or fraud. Selling high value goods? Want guaranteed payment? No problem. Instalment based buying is a defining characteristic of the payment market in Latin America. Instalments are effectively a loan that allows your customers to pay for a product over a specified period of time in equal payments. No interest rates and flexible repayments make this an attractive option, especially for shoppers buying high value goods. In fact, shoppers who have the option of paying in instalments are more likely to buy. And as the total transaction value is reserved in your customer s bank account, you re guaranteed the full payment Card not present mix by payment method 60% Credit Card Receive your money quicker with Factoring It can take a while to receive your funds in Brazil. We understand that cash flow is important to our customers, so why not use our Factoring service? Widely used in Brazil, Factoring allows you to receive settlements ahead of your shoppers paying the full amount owed for their purchases. Receive funds the same day, or the next day - no more waiting months to be fully settled Card brand breakdowns (ecom and epos) PostPay 15% ewallet 13% Bank Transfer 6% Debit Card 2% Charge & Deferred Debit Card 2% Cash on Delivery Mastercard 45% Visa 39% Pre-paid Card Elo 12% Itaú Unibanco Others American Express 4

4 Why choose Worldpay to expand in Brazil and globally? As an expanding global enterprise, you want to offer the right payment options to your customers who want to buy with payments that are native to them. That means that you need local knowledge. Using local providers to get that insight means that your approach is fragmented, leading to multiple integrations, higher costs, less opportunities for transaction optimization, and patchy customer experiences. With 50 acquiring licenses and offices around the world, we bring the local knowledge to your commerce needs, all while working with a single provider. With over 40 years of experience, we re the first acquirer to deliver multi-currency, cross-border payment experiences. Worldpay offers uncomplicated, data-driven approaches to help you confidently expand into new markets, take more payments from more people in their favored forms and grow your business beyond borders. Maximize Global Acceptance: remove the complexity from accepting payments anywhere, any way around the world. Use our experience, applied local knowledge and uncomplicated data-driven approach to keep pace with the demands of the global world of ecommerce. 5 6

5 Get started today Already a Worldpay customer? Talk to your Relationship Manager about how we can support your expansion plans, in Brazil or in other markets. New to Worldpay? Global reach through local expertise, intelligent payments and passionate pursuit of customer success the world over that s Worldpay. Talk to us at worldpay.com/global/about/contact-us or get more information at worldpay.com 1 Global Payments Report Global Payments Report WEC 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 / FCA No ), Worldpay Limited (Company No / FCA No ), Worldpay AP Limited (Company No: / FCA No: ). 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 B.V. has its registered office in Amsterdam, the Netherlands (Handelsregister KvK no ). 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 B.V. is part of the Worldpay group of companies including Worldpay, Inc. (a Delaware company).