Online merchants today can realize immense value from the rising tide of international opportunities. Many private businesses and government entities are rallying to create a globally accessible marketplace. E-commerce platforms are pushing multi-lingual and regional payments support. The EU Commission and related agencies established a roadmap to a borderless online marketplace. Adding alternative payments is now only a few clicks away for online merchants. Ask a merchant today "Why do you take credit cards?" They would have a hard time answering because the answer seems so obvious. If you could ask one of Alternative Payments' clients, "Why do you offer alternative payments?" they would feel the same way, it's obvious, more sales. A merchant who provides trusted payment methods to prospective buyers is adding trust and a sense of ease through the buying process. These two factors will translate into increased sales. Merchants should be aware that, by adding local payment types, they will access new markets. There are several countries with populations clamoring for goods from outside their borders. Growing internet penetration and young populations accelerate this trend. Banks and traditional payments take time to get established in these new markets. Connecting to these new consumers means merchants need to adopt payment options familiar to the consumer. Don't reinvent the wheel, grease it.

1. Business Case 2017

2. 2

3. 0 200 400 600 800 1000 1200 1400 1600 1800 2000 2200
Asia
Europe
Latin America/
The Carribien
Africa
North America
Middle East
Occeania/
Australia Source: InternetWorld Stats- www.internetworldstats.com/stats.html
BasisL 3, 885, 567, 619 Internet users estimated in June 30, 2017
Copyright©2017, Miniwatts Marketing Group
Millions of Users - June 2017
NUMBERS DON’T LIE!
The Internet Today
Currently North America has the largest Internet penetration rate per population (88.1%) versus Europe (80.2%). However, Europe has over 800 million people versus 565
million people in North America, thus the growth potential for new users in Europe is significant.
Growth Areas
Europe has almost one quarter of the online market with over 659 million Internet Penetration Per Population, however Asia has the largest segment with more than 1938
million internet users. Asia only has 46.7% Internet penetration rate, but with the largest number of users. This number will continue to grow spurred on by the
infrastructure expansion in the telecommunications sector and the increased number of competitive landscapes that lowers the cost of access to the Internet for all Asian
users.
Both Asia and Europe each individually have a larger share than North America and a combine market of 1.3 billion Internet users, which represents 66.2% of the online
market place.
The European, Latin American and Asian markets represent a major opportunity and web-based merchants, located in the USA or anywhere in the world, must tap into
these new and burgeoning segments. Given that the majority of these internet users do not have or use credit cards, it is imperative
that merchants offer alternative payment solutions to complement their time and efforts.
3
1938
659
404
388
320
147
28

4. INTERNET WORLD PENETRATION RATES
by Geographic Regions - June 30, 2017
0 10% 20% 30% 40% 50% 60% 70% 80% 90% 100%
North America
Europe
Australia/
Oceania
Latin America/
Caribbiean
Middle East
World, Avg.
Asia
Africa
88.1%
80.2%
69.6%
62.4%
58.7%
51.7%
46.7%
31.2%
Penetration Rate
Source: InternetWorld Stats - www.internetworldstats.com/stats.html
Penetration Rates are based on a world population of 7, 519, 028, 970
and 3, 885, 567, 619 estimated Internet users in June 30, 2017.
Copyright©2017, Miniwatts Marketing Group
4

5. WHY
USE
ALTERNATIVES?
It is important for merchants to
understand that the credit cards are not the
primary payment method in the world.
“Of the 64% of online Europeans that do own a credit card more than a half will not use their card to buy online!.” (Forrester Research)
The Great Divide
Credit cards are the most popular method of payment in the United States. However, this is not the case in the rest of the world and alternative payment solutions
have established themselves in a variety of ways to further monetize a merchants’ website. From local postal derived payment systems to sophisticated bank programs, most
countries have their own domestic online payment and clearing systems that consumers are using daily to make online payments.
Cultural difference also fosters different payment habits. In Germany, for example, with over 71 million intenet users, only 18.6% of the consumers use credit cards to make
purchases online versus 61% that use a direct debit bank driven payment method.
Differing perceptions on credit cards can also be seen in online shopping habits. While credit cards today are the main tool used in the United States for online shopping, the
British and French prefer debit cards, while Germans rely primarily on online bank transfers (according to Forrester Research).
While perceptions about money and credit may cause cultures to spend differently, economic realities also play a key role. Some countries just haven’t had the access to credit
nor a sizable middle class to fuel its use and such non-credit card payment schemes have flourished.
Motive
Millions of online shoppers abandon their shopping cart everyday. Trust and unfamiliarity play and important role, but are not the only reasons; what if you can’t read the payment
page and you don’t know how much you’re paying because the amount is not displayed in your local currency? Furthermore, what if your preferred and trusted payment method
is not offered? Not everybody has a credit card, so payment processors in numerous countries have recognized the need to offer domestic payment solutions to their consumers
and have developed alternative solutions to satisfy the demand.
5

6. In other cases, security and local requirements combined with the advancement of technology are the driver to implement alternative payment methods. For example, all
debit cards issued in China, Japan, Korea and many other Asian Pacific countries do not work on the traditional credit card networks. To enhance security the local banks
require a 4 or 6-digit PIN before authorization can be provided. In other words, they can’t use their debit cards to make online purchases at websites that do not have the
solution. As with several of the alternative payment solutions we offer, the PIN requirement is a huge benefit to the merchant, as it eliminates the chargeback risk and
guarantees the payment, which is extremely comforting to merchants that ship high ticket items or for those who wish to attract clients from all over the world without
running a risk.
6
A study by
CyberSource Corp.
found that websites
providing four or more
payment methods
other than credit cards
had a sales conversion
rate 12 percent higher
than those offering just
one online payment
option in addition to
credit cards.
In other words, the
more online payment
options you offer, the
more online payment
processing you'll do on
your site and the more
money you'll make!

7. 7
Our Market
Our customers are online merchants
from all geographic locations in all
categories and sizes. The merchant
underwriting process for alternative
solutions is different from typical credit
card merchant accounts, because the
risks associated with many alternative
solutions is minimized due to the lack
of chargebacks and payment reversal
options for consumers.
Our focus has also been on
consumers and although they are not
our direct customers, they are the
actual users of our systems and as
such we consider them part of our
target market. Consumers from all
over the world are familiar with our
products and services as they are
provided domestically by their trusted
service providers.
How We Market
A three tier approach has been
employed to cover all possible
marketing channels; we market
directly to merchants; we use
independent sales organizations; and
we incorporate our solutions into the
offering of other payment providers.
Competitiveness
Our services are straight forward and
our fees are competitive and are
similar to payment card transactions,
and we don’t believe in charging our
clients upfront fees.
Service
We are a dedicated team of people
that understand the business and we
have proven this to our customers for
more than two decades. We strive to get
our merchants up and running in 48
hours or less and we provide customer
support 24/7 to our merchants and
their clients.
More Options, Means More Sales
The success of your online business
depends on sales. Offering alternative
payment methods improves consumer
confidence, but the primary reason
why you should look at alternative
solutions to credit cards is simple; you
can increase your sales and revenues
by simply adding these options to your
existing platform.
In the United States, alternative
payment solutions, such as ACH, are
complementing the check-out pages
of merchants that offer traditional
credit card payment methods.
Alternative payments are not replacing
credit cards, they merely add more
options for consumers to select from.
Languages Improves Sales
As part of our service offering, all of
our payment pages are
automatically displayed in the
language of the user.
We use a GEO-IP feature that
detects where the end user is
located based on their IP, and every
step of the payment process is then
displayed in their native language
and backed by local customer
support phone numbers.
Comprehensive and Supportive
The word solutions is used in
conjunction with alternative
payments, as they provide a
complete set of features, options
and services that often go far
beyond facilitating a single
payment. Fraud scrubbing tools and
a variety of address, IP and account
verification services are included,
foreign currencies are automatically
posted at the appropriate exchange
rates and pages are shown in local
languages with local phone and
email contact information.
Alternative solutions also include
extensive reporting and fraud
management tools, while retaining
simplified set-up and management.
“Austin Morgan, a 24-year-old American teaching in Japan, who
blogs about how financial practices differ around the world at
foreignersfinances.com, says, "Living abroad has reminded me that
credit cards aren't as popular everywhere as they seem to be in
America," he says. “I rarely see credit cards used here.”
Why would you decrease your sales potential by limiting the ways potential customers can pay for your products or services online?

8. 8
ALTERNATIVE PRODUCT ADVANTAGES
Our solutions help merchants overcome language
and currency barriers and provide consumers
globally with payment methods they trust and are
familiar with. We have an extensive worldwide
banking network that translates into the ability to
offer our merchants access to local payment
systems in over 180 countries around the world
through one single payment gateway.
• More options means more sales
• Comprehensive reporting
• Broadens the merchant’s reach
• Full set of user management tools
• Conveniences customers
• Compatible with all shopping carts
• Reduces risk and fraud
• Automatic re-billing options
• Proven services, Membership and affiliate management
• Easy to implement and use
• Level 1 PCI Compliant
• One processing connection
• Custom development options
We make it simple for our merchants and their
customers. Our Geo-IP technology automatically
detects the location of the customer and provides
the payment page in the appropriate language
and displays the amount in their local currency
together with local and international payment
options.
• Options for customers without credit cards or for those who prefer not to use credit cards.
• Payments options for customers to pay directly from their bank account.
• Automatic currency exchange - display local currency, receive funds preffered currency.
• Options to reduce risks and completely eliminate chargebacks.
• Generate sales from credit card blocked countries with guaranteed funds.
• No risk and guaranteed payment options for higher ticket items.
Not only do we provide support to our merchants from the initial inquiry through the
going-live process, we also take care of their customers by providing local support. For
added trust and convenience each payment page displays a local phone number and email
address.

9. 9
HOW DO WE COMPARE?
Our premise has always been to keep things simple, but extremely effective!
With us...
• You get the authentic service. We don’t resell third party services as ours.
• You don’t need to establish a merchant account. Our alternative solutions are ready to go.
• You don’t need to buy software or rework your strategy. It all fits with what you have today.
• You get an easy to integrate payment solution. We’ll help you with each step.
• You can get up and running in 48 hours or less, provided that you give us all your information.
• You get all the features you will ever need. All included.
• You can get custom development. We’ll think out of the box with you.
• You don’t have to pay any set-up fees. We only make money when you make money.
• You don’t need thousands of transactions to be approved. We respects all merchants, no matter what size.
• You get an Award-Winning service that will generate more sales. That’s why we got the award.
• You get proven technology that works and is installed on thousands of websites.
• You don’t have to worry about currency exchange.
• You don’t have to translate payment pages, manage currencies or provide local customer support. We do it all.
• You get the latest fraud scrubbing technologies and access to our extensive negative database. Reduces risk.
• Your customers will be happy to find their trusted local payment method. You will be happy too.
• You won’t be left hanging. If needed, we have an in-house collection service with a 50% success rate.

10. LEADER.
HISTORY.
VISION.
®
www.alternativepayments.com
sales@alternativepayments.com