The Paysafe GroupRyan Robbins, Director of National Bank Services (High Risk)

Turning Risk Into Profit

3

TODAY’S AGENDA

How do I get started?

What’s my commission?

What do you need to do to board accounts with NBS?

How do I set expectations for the NBS/‘High-Risk’ merchant experience

What are the rates and costs for a ‘high risk’ merchant account?

What types of businesses can NBS work with?

Why you should work with NBS

Who is Paysafe and National Bank Services (NBS)

Why are some businesses considered ‘high-risk’?

Why you should care about today’s presentation

WHY THIS SESSION IS

RELEVANTWhat do you do when…

Application Declined…

“ “AccountClosed…

“ “

I can’t help your business…“ “

WHAT MAKES A BUSINESS ‘HIGH-RISK’?

Chargebacks Industry Product Date of Service

0.5% chargeback ratio

Adult Entertainment

Bank image

Nutraceuticals

Legal Ambiguity

Travel BrokersTech Support

Payment before services

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Who we are.

We are building the future of payments: an

ever-evolving platform that meets the needs and

expectations of tomorrow’s Businesses and

Consumers.

PAYSAFE - A LEADING SCALE PLAYER IN PAYMENTS

Our vision.

To empower Businesses and Consumers to

connect with each other globally through our

unique portfolio of proprietary and leading edge

commerce solutions.

15+Global

locations

20+Years in online

payments

3,000+Employees

c. 590MTransactions*

$56BNTransaction

volume*

$1,2BNRevenues*

* Financial year 2017

Who is National Bank Services?

National Bank Services (NBS) is a payment services provider specializing in ‘high-risk’ structured accounts.

We are experts in handling a variety of high risk merchant accounts from large multimillion dollar merchants, to even the smaller 10k a month merchants.

National Bank Services “NBS” was founded in 2008 and is a key Paysafe partner.

Countertop Terminals

MobileProcessing

eCommerce &Gateways

Check By Phone

Some of our products & services:

WEBALANCE YOUR

BUSINESS

5 REASONS TO WORK WITH NBS…

WE’RE EXPERIENCED

WE’RE CONNECTED

WE’REHANDS ON

WE’RETHOROUGH

…and what it means for you

Established Travel

Guns/Weapons Online

MLMMultilevelMarketing

E-Cig / Vape CBD

PROFITABLE ‘HIGH-RISK’BUSINESSES

WHAT ARE SOME

DIRECT INDIRECT

OUR GLOBAL CNP ACQUIRING NETWORK

*BMO, BMO-Harris, and Deutsche Handelsbank are for Direct Debit (ACH, EFT, SEPA)

“WHAT ARE THE RATES?”

If new to processing,

2.89%banks may require

minimums of

6.95% depending on bank and industry…

and may reach up to

For EXISTING BUSINESSES, we work hard to meet or beat their current rates.

For NEWER BUSINESSES, the option for a rate review is available after 6 months of processing.

%

HOW DO ISET EXPECTATIONS

What’s the approval time?

What’s needed for approval?

Are there reserves?

What else may come up?

A typical High Risk account will take 3-5 business days for approval or request of additional documentation. In most cases as long as all the documents are provided up front it should NOT be more than 3-5 business days.

A minimum requirement: 3 month banks statements (business or personal), 3 months processing (if applicable), Voided Check or Bank Letter, Photo Id, Working Website or Marketing Material (pricing, terms, refund policy and a contact page)

Reserves are common and depend on each business.

Merchants may be required to complete a site inspection but this will vary depending on the bank.

FOR MY CUSTOMERS?

1Partner hands off business information to our sales team. We handle all aspects of the

application and boarding process.

HOW DO I BOARD ACCOUNTS WITH NBS?

1 Partner handles application, the collection of business collateral, and will remain the

merchants main point of contact.

1In both cases, contacting the NBS team will be the first step. We will work with you to review details and identify what process will work best for you.

Faster

Easier

We do the work

Slower

More tedious

You do the work

HANDS OFFREFERRAL

HANDS ONREFERRAL

WHAT’S MYCOMMISSION?

High Risk Margin: 350–400 BPS

Low Risk Margin: 150–200 BPS

Low Risk Length of Life: 1.5 YEARS

High Risk Length of Life: 3+ YEARS

MARGIN

LENGTH OF LIFE

A rule of thumb when comparing the profitability of a high risk account to a low

risk account. On average, a high risk account has 2x the profitability and 2x the

average life expectancy. This means that over time, a high risk account is

typically 4x more profitable than a low risk account.

4XThe 4x Profitability Model

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How do Iget started?

Support

40currencies

Tel: 818-540-2806 | Email: rrobbins@nationalbankservices.com

Ryan Robbins, Director, High Risk

QUESTIONS?

Thank you