Gaming. Payments. Experience.

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TRU//ST Payments has Ten years’ experience in the European gambling industry.Our European gambling experience means we are experts in ensuring you reach the highest levels of compliance across the globe.

We have excelled for the past four years providing gambling payments solutions in New Jersey and Las Vegas, and hold various US patents for gaming regulation

H o w w e h e l p m a k e b u s i n e s s s i m p l e Cloud Based, multi regional payments

platform with direct and shopping cart

interface options for online

ecommerce.

High Volume acquiring business based

in Malta with a pan European card

acquiring license. Processing both

ecomm, mobile and POS transactions

types supporting traditional and high

risk merchant portfolios with an

extensive list of PSP / PGF / ISO

partners

US gaming platform for sports and Daily

Fantasy sports. Ecommerce Gateway

solution connected to multiple US

Banks.

-Speed of merchant application decision: Allowing our merchants

and partners to focus on what they do best

- Customised PSP / Payment Facilitator / ISO / high-risk

merchant boarding, due diligence and support models:

Addressing the specific need of each partner business

- Simplified partner and merchant reporting: Enhanced partner

reporting tools to provide a single line of sight for eCommerce /

POS & integrated solution transaction reporting

- Business orientated account managers who understand your

needs: Dedicated account managers to assist targeting of

verticals and advising on key product solutions, from fraud and

chargeback management to new payment types

1. Merchant figures reflect merchants from both Gateway and Merchant Acquiring platforms, including merchants from PSP aggregator. It excludes cross-sell merchants. Data as of Dec’16

// Introduction to Trust Payments Limited

Executive Summary – Who we are

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60 PAYMENT TYPES

10 Years In gaming In

Europe

SETTLED IN

14CURRENCIES

LIVE

4Years in

Gaming US

Executive Summary – By the numbers

Awards• ERG B2B

Innovation Payments Solutions

• MPE AwardBest New Product Payments

• MPE AwardBest PSP

• The TechiesBest E-Commerce Technology

• Best Business AwardBest New Product/Service

Processing• 60+ Million transactions annually• 6,000+ Active merchants

LIVE

4Years in

Gaming US

Live• Pokerstars• Genesis Gaming• World Series of Poker

2013 2014 2015 2016 2017

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Global Footprint – 60 bank relationships worldwide

End-to-End Omnichannel Global Payments and Banking Solution

Card schemes

Issuer

Online merchant Payment gateway

Cardholder

Acquirer / Processor

A

B

C C C

D

E

A A A

A

B

A B

C

MerchantCloud-based

collectinggateway

VISAMasterCard

APMs

+ 50 otheracquirers

USinstance

Europeaninstance

Micro-service layer

Asiainstance Online

banking

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*Statistics estimates, 2016-21

Unified Journey – New Banking Services

Merchants Bank Challenge – IBANS

• Struggle To Open Bank Accounts• Traditional Options Limited• Require a Solution

Acquiring.com ( Europe)

• Can issue instant IBANs for customers • Open Banking • Full Virtual Bank Capability• Extends our proposition to the market

Bin Sponsorship (Europe + US)• BIN Sponsorship – settlement revenue -

Target – Germany

Banking Services

Acquiring.com- Pre Paid Sponsor ( Europe)

• Can extend existing license to cover issuing virtual and physical pre paid cards in EMEA

• Cross sales to existing books • Opportunity to partners with US providers • Net new business opportunity

Merchants Bank Challenge – BIN Sponsorship

• Do not want to underwrite the risk• Invest in acquiring platforms

Merchants Bank Challenge – Pre Paid Sponsorship

• US Pre PAID Program managers / platforms entering Europe need a BIN Sponsor to issue their cards.

Dedicated Vertical team for iGaming / DFS – Atlanta Based 5 SME’s – 70+ years collective experience.Experienced Regulatory Compliance and Legal Resources – Jason NotoExperienced Industry Compliance and technical solutioning – Kevin DodsonExperienced Client Relationship Oversight and Governance – Jeannie StinnettExperienced Commercial and Vertical Specialist – Jonathan O’Connor

Existing US client foot print – PokerStars NJ / Georgia Lottery / Autolotto.com

20+ years experience in EMEA processing industry leading iGaming / Poker clients - PokerStars EMEA and US.

Fully deployed US platform processing transactions in NJ and the online lottery and Pari-Mutuel industry today.

Registered Vendor in NJ Gaming commission for Card ACH processing.

Registered Vendor with LV Gaming Commission on PrePaid solution certification.

Local Presence US / EMEA.

Hold 5 Patents in the US for gaming

Supporting Apple pay for gaming 10

WHAT is TRU//ST US – Gaming ?

11

Pay In Pay OutACHeWalletCard

CardCashBank PaymentsCryptocurrency

Register Player Through ST-1

Validate Player Instant Prepaid Registration

Load Funds Consumer Transfers to Gaming Account with

Merchant

Customer Spends Through Open Loop

Consumer Transfers Back

to Cards

Instant Credit / Debit Card

Cash loads Through Store Network

ACH DepositThrough Account

Revenue to Merchant

A | S T - 1 E n d t o E n d P l a y e r v a l i d a t i o n s o l u t i o n - L i v e i n N J /

N V s i n c e 2 0 1 2 Virtual and physical pre paid card solution to address high

decline rates of using credit cards in Gambling and gaming in

the emerging US markets. Also looking to replicate in high

growth verticals - Marijuana / CBD payment solutions in the US.

// ST-1 Payment solution player deposits and payment of winnings – Live in NJ / NV

Action• Apply• Connect• Report• Interact• Enable

Merchant View ISO View Agent View

Action• Apply• Connect• Report• Interact• Enable

Action• Apply• Connect• Report• Interact• Enable

Support View

Action• Support• Phone• Live Chat• Chat Bot• Admin

Marketing Ecomm/MotoGateway

POS gateway ST1 Settlement Risk

Cards• First Data• Vantive/World Pay• Chase• TSYS*ACH• *Telecheck• *Secure Payments• *Cashflow SolutionsAlternative payments• *We Chat• *AliPay• *Apple• Google

Loyalty• 360 Customer View• Single View• Campaign manager• Email Tool

Data• Basket engine• Ingestion engine• Ingestion• Harmonization

AEVI• Hardware Agnostic• Provision Terminals• Email

Connections• First Data• Vantive/WorldPay• Chase• TSYS

Interaction• App Marketplace• 3rd Party Ordering

Gaming• Registration• Validation• Compliance• Prepaid wallet

Connections• First Data• Sol Spark Prepaid• Vantive/WorldPay• Chase• *TSYS

Reporting• Interchange• Chargebacks• Fees • Settlements

Connections• *First Data• *Vantive/WorldPay• *Chase• *TSYS

Chargebacks• Management• Insurance• reporting

Personal• domestic• international

CTC [Center of Trust and Control]

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// ISO Portal https://www.securetrading.marketing/iso-tools/

Contains Training Manuals, Playbooks, Developer Docs & Sales Decks

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// Paperless Onboarding

1

5

4

2

3

Fill Out App

Select Pricing Table

Send to Merchant to populate

Auto generate paper appIf required

Auto Populates Owners Email from App

Merchant E-Signs

Market-leading, end-to-end merchant account solutions:

• 100+ currencies supported (multi-currency)

• Speed and simplicity at its core

• Flexibility for you to process different payment methods

• Security and compliance at its foundation

• Next generation transaction monitoring

• Best-in-class services for compliance and security

• Principal membership with VISA and MasterCard for all EU andEEA countries

Partnering with acquiring banks all over the world, enabling global trades:

• Processing currencies & remittance currencies

• EU licensed acquiring institution

acquiring.com can offer you transaction processing in over 100 authorisation currencies and 14 settlement currencies.

Allowing you the flexibility to sell to multiple markets with one, or multiple websites.

The 14 settlement currencies include: GBP, EUR, USD, AUD, CAD, NVD, HKD, JPY, ZAR, CHF, NOK, SEK, DKK, PLN,

Acquiring Platform Overview (Malta)

Your choice of integration - JSON

ST GATEWAY

1

SERVER SDK

Merchant Webserver

Customers browser

2

Payment card details

Token

Token/customer details

3

4JSON Authorisation Request

• We can now offer merchants a flexible API (Application Programming Interface) solution that can remove the burden of storing sensitive card details on their servers.

• By not storing sensitive card details on their server, the merchant can potentially reduce the set of stringent PCI DSS (Payment Card Industry Data Security Standard) requirements they need to adhere to.

• Reduction of PCI DSS requirements could mean a saving in both time and money for our merchants i.e. avoiding audits and extensive paperwork.

• JavaScript Library which together can be used to securely handle and submit the customer’s payment card details as part of an authorisation request.

• We have both server and client-side SDK’s written in multiple languages.

GATEWAY FRAUDSERVICES ACQUIRING

RETAIL / MOBILE ONLINESTORE

SECURITY SERVICES

Provide ecommerce and mobile payment solutions to allow merchants and partners to drive global commerce. Linking the online world with the offline world with new cutting edge app-based POS solutions. Single global omnichannel payment solution provider TRU//ST Omni Payments and Value Add Services

E2E Payment Solution

New Ways To Pay

Payments on COTS DevicesPIN on MobileEMV-enabled Smartphone NFC Readers

Crypto POS

Smartphone payments

Value-Added Product Services

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Dynamic Currency Conversion

• Gives international consumers the option to pay in either the local currency or their domestic currency.

• Only available on MasterCard or Visa; with the FX rate and mark up displayed, DCC allows customers to make informed decisions about their spending abroad.

• Provides you with an extra revenue source and removes any foreign currency exchange risk whilst being compliant with card scheme rules and acquiring banks.

• Your customers receive a good exchange rate and can instantly see the cost in their own currency.

Merchant receives settlement of €100 as usual and a separate

additional FX revenue share on the transaction.

Merchant sells goods orservices for e.g. €100.

DCC-enabled merchants can accept payments In different currencies. Cardholder chooses to pay

in their home currency.

Secure Trading’s solution removes the foreign exchange risk and the merchant

receives a guaranteed commission share.

APM’S YOU CAN ACCESS AS AN STFS & STL CUSTOMER

• Remove the restrictions on your reach and open up new markets with the ability to handle a large variety of different payment options.

• Alternative payment methods (APM’s) allow your customers to spend online using their preferred payment method.

• APM’s can have strong market penetration so its important to offer these payment methods to maximise your reach and ease entry into new markets.

• APM’s are often developed to meet the specific needs of their local market, meeting their rules, regulations and language requirements.

• By offering your customers their preferred payment choice, you increase your conversions and loyalty while quickly gaining their trust.

STFS & 3RD PARTY GATEWAY *

STL & 3rd PARTY ACQUIRER *

STFS & STL

American express ü ü ü

mastercard ü ü ü

visa ü ü ü

Paypal ü ü ü

Cashtocode ü ü

Japan Credit Bureau (JCB) ü

Diners club international ü

Discover network ü

Sofort ü

Alipay ü

My bank ü

Ideal ü

Przelewy 24 ü

Eps ü

Paysafecard ü

Safety pay ü

Pay u ü

Giropay ü

Qiwi ü

Trustly ü

bancontact ü

* Offering dependent on functionality of 3rd Party

Tokenisation & recurring payments

Tokenisation can cut PCI

compliance bills by up to 50%

• Process transactions without asking for card details again using a unique token we provide you

• Increase conversions with a quicker payment process not requiring customers to re-enter card data

• Avoid sensitive data being stored on your server as we securely save customer card details, reducing costs and PCI scope

• This is saved against your user account so that going forward customers can use the tokens instead of card data.

3D Secure

• 3D Secure is part of the authentication process for e-commerce payments, and helps merchants to avoid fraud liability, pay lower processing fees to your bank and transact with confidence.

• Secure Trading have partnered with CardinalCommerce to deliver EMV® 3DS. 3D Secure can either be called by the merchant hosted payment page to complete transactions using the API, or via the Secure Trading-hosted payment pages to connect to Cardinal Commerce.

• Online transactions in scope of SCA will flow through our EMV 3-D Secure solution. We are actively planning how exemptions will be supported.

• We are in close contact with industry stakeholders and regulators regarding any influencing factors on SCA and the deadline.

ST Active / Active System and Redundancy

Active / Active solution

ST Active / Active Solution - High level architecture diagram and redundancy

20 Gateways 40 Other acquirers

Active / Active – DR configuration

• Cloud hosting

• Hosted across two regions

• Active-Active setup

• Service Orientated Architecture (SOA)

• Automated Infrastructure as Code (IaC)

• Redundancy in acquirer connections

• Data replicated across hosted regions

• Automatic region switchover

Technical integration

• Hosted integration solution

• Restful API interface

• Automated reporting interface

• Web portal with access control

levels

• Rule Manager

• Perform automated actions on auths

• BIN routing or blocking

• Transaction blocking

• Issuer country blocking and

routing

• Currency routing

• Least cost routing

Dynamic routing

Next steps….. We are here to win your business

We want to earn the right for your business

• Optimise your workflow with one easy integration

• Work with one expert for all of your payment needs - one payment partner

• Cut costs and development time

• Streamline efficiencies and reduce overheads for your payment process

• Streamline costs for fraud through a flexible, bespoke approach

• Increase your revenue and reach by offering your customers more local and flexible online payment options

Thank you

End-to-End Omnichannel Global Payments and Banking Solutions

Voice of Customer

Market Opportunity – Voice of customer New Verticals // Ecommerce / Sports Betting / Crypto

“Bit4.Sale are new to card payments, and TRU//ST Payments and acquiring.com’s proven expertise makes them the perfect payments providers to help us take our first steps in this area,” AlekseiKriachkov, the owner of Bit4Sale said. “As a new company, we want to choose only service providers with prominence in the Blockchain and crypto sectors, and this relationship will ensure that. Having said that, this partnership will help us deliver the best possible experience to our customers. The process of purchasing Bitcoin, Ethereum, Litecoin, Ripple and Bitcoin Cash from our cryptocurrency exchange is secure and seamless. All our clients need is to register on the exchange, verify their identity, which has been set up in a user-friendly and easy way, and place their first order!”

“New operators can often find it difficult to find payment processors given their limited trading history; TRU//ST Payments have worked closely with us to fully understand us and our business, and trust that this relationship with be profitable for both us and them. TRU//ST Payments’ gateway and acquiring services have integrated seamlessly into our FSB platform, so the on-boarding process has been fast and hassle-free.”

Market Opportunity – Voice of customer Traditional Verticals // Payment Tech Companies / Hotels / Education

“TRU//ST Payments have a 100% uptime record on their payment gateway over the last 18 years, and this level of reliability is essential for our app,” Abdul Senan, CEO of Totipay said. “Additionally, they were able to offer us a very competitive pricing model for their payment solutions, so our processing fees are kept low.”

“TRU//ST Payments’ attention to detail when it comes to customer service was a key influence is deciding to take them on as acquirer. We have a dedicated account manager who is always available, as well as access to a friendly and helpful UK-based support team,” John Simms, Owner of the Weston Hotel, said. “No matter where our guests are booking from, TRU//ST Payments’ array of local payment methods make the process simple and fast. They have proven to be a fantastic gateway provider up to this point, so it only makes sense for us to develop this relationship by adding acquiring.com to our payments system.”

“Using TRU//ST Payments for both payment processing and as our card acquirer, we now benefit from having one point of contact for the entire payments process." Ali Dezyanian, Deputy Head of Financial Systems at LSE