VALUE ADDED SERVICES YOU NEED TO BE SUCCESSFUL Augmenting the payment stream with supporting services—from payment page and mobile optimization, fraud prediction, recurring billing, batch processing and card updaters to local settlements, and unique business offerings —is a core differentiator that enables Digital River to play a unique role as a merchant in markets around the world.

As a processor of billions of dollars in payments per year and a representative of the top merchant and seller of record in the world today, we approach payments from a broader, holistic, global view of commerce.

Broadest and Most Stable Payment Network Global in-country payments offer greater adoption rates and higher margins. Digital River has an international portfolio with over 50 global bank connections and access to over 200 preferred payment methods.

Payment Solutions for businesses of any sizeWhether you are looking for a global payments program with complex reporting structures or a local solution for your online start-up, we can help. Our enterprise solution is built on 20 years of experience supporting global online brands with all the necessities to quickly grow business into new geographies, including local alternative payment options, consolidated reconciliation and reporting services and customized settings. With easy integration and excellent customer service, this solution is perfect for your basic payment needs.

FLEXIBLE PAYMENT PROGRAMSDigital River World Payments supports global transactions consistently through complementary processing models serving the varied needs and business models of our merchants. Ease of integration is achieved through PCI compliant payment pages, direct access APIs, or white labeled solutions reflecting the merchant’s brand.

MERCHANT SERVING MERCHANTS

DIGITAL RIVER WORLD PAYMENTS

Digital River World Payments at a Glance

Transactions by Region

$390M in revenue(2013)

$30B annual onlinetransactions

50% revenue outside the Americas

243 countries and territories where we do business

200+ paymentmethods

AMERICAS

50%EMEA

39% APAC

11%

© 2014 Digital River, Inc.

Four Core Processing Models

Gateway Services— Offering more payment options in more local currencies, we have established relationships with financial institutions worldwide to ensure that you gain the widest reach of locally preferred payments to drive global conversion and sales.

PSP Services — PSP Services has full access to the standard payment toolkit to allow you to take payments anywhere— ecommerce payments, mobile payments, virtual terminal and tokenization with no setup and no minimum monthly fees.

Full-Card Acquiring Services — Our Full-Service Acquiring includes customized payment page templates—the latest fraud protection technologies and checkout page optimization. Let us take on the time and labor intensive back-office responsibilities like bank partner communications, reconciliation and chargeback management.

In-Country Merchant — Take advantage of In-Country Merchant's cost-effective customized payment program and forge the risks, hassles, and headaches of establishing your business in new markets. With nearly two decades of experience, Digital River can simplify the process for you by assuming the tax, fraud, and merchant of record (MOR) duties.

ALTERNATIVE PAYMENT METHODSDistributors, consultants and consumers in many markets prefer to use payment methods other than debit or credit cards. Across central, northern and eastern Europe, Brazil, Australia, India, Korea and Southeast Asia, buyers often use internet bank payments/transfers, direct debit, Electronic Fund Transfers and eWallets. We support a broad portfolio of the most popular and widely accepted forms of alternative payments in all regions.

Technical and Business FlexibilityNo matter your business needs, Digital River will integrate our platform to support your global business. Through full service acquiring and gateway only processing, our global network will enable you to make sales in up to 30 global currencies—including the real (Brazil), peso (Mexico), rupee (India), dollar (Taiwan), ringgit (Malaysia), ruble (Russia), dirham (United Arab Emirates), and won (Korea).

About Digital River, Inc.Digital River, the revenue growth experts in global cloud commerce, helps companies of all sizes build and manage their online businesses, maximize online revenue, reduce costs and minimize risk. Founded in 1994, the company is headquartered in Minneapolis with offices across the United States, Asia, Europe and South America.

To learn more about Digital River World Payments contact us at:

E: info@digitalriver.com

US: +1 800 598 7450

UK: +44 (0) 845 603 5070

W: digitalriver.com/contact-us

What can Digital River World Payments do for you?

• Accelerate time to market

• Globally grow your business

• Provide local expertise

• Improve insights & conversions

• Reduce risk & fight fraud

• Seamlessly integrate with other systems

• Minimize your PCI footprint