1. h
FINTECH - PAYMENTS 
Yuval Tal

2. The Fintech Ecosystem
Fintech includes almost every type of financial activity; P2P, B2C and B2B
Blurred lines
Cross border scene is dominated by online marketplaces and B2B companies
Currently small segment, however players are strengthening their B2B offering

3. No school for Payments! Payments is a 1.9 T industry with
Airline(743B) + hospitality (490B)= T
No school for Payments!

4. © 2016 Payoneer, Proprietary & Confidential
The Payoneer Account – Global B2B Platform
Marketplaces & Platforms
Payoneer is a featured payment option on leading marketplaces.
Local Bank Withdrawal
Easily withdraw funds directly to your local bank account in local currency.
Billing Service
Send your direct clients a payment request by . They can then pay safely online using their credit card or company bank account.
Withdraw Funds at ATMs
The Payoneer Prepaid MasterCard ® enables you to withdraw cash from ATMs worldwide within minutes.
4 WAYS TO
USE YOUR
EARNINGS
4 WAYS TO GET PAID
Global Receiving Accounts
We give you US, EU, JP, and UK receiving accounts so your international clients can pay you as cheaply as a local transfer.
Online & In-Store Purchases
Use the card to buy stuff – both re-investing in your business as well as personal needs.
In Network Payments
Business partners and suppliers can pay you from their Payoneer account to yours, free of charge.
Make a Payment
Easily collaborate with your vendors by making payments to other Payoneer customers free of charge.
© 2016 Payoneer, Proprietary & Confidential 4

5. Payoneer’s Two Models – B2B and B2B2B How we get funds & How we get instructions
Corporates & Marketplaces
SMBs & Professionals
Mass Payout - AP solution;
Push from Corporate Client
Cross-border payouts for internet and ecommerce marketplaces and large enterprises
Payoneer Account – AR solution;
Push & Pull by SME using Virtual Collection accounts
Providing SMEs around the world with cross-border collection and payment services
SMBs &
Professionals
Payoneer

6. Very Global, Becoming More Local
Corporate Offices
Payoneer Ambassadors
New Planned Locations
Legend: HQ
1,000+ Employees | 200+ Countries | 2,000+ Marketplaces/Platforms | 150+ Currencies
Investors TCV, Viola Ventures (Carmel), Greylock, Susquehanna Growth Equity, Wellington, W Capital, China Broadband Capital, Ping An, and Nyca Partners
Awards CNBC Disruptor 50, Crain’s Best Places to Work, Deloitte Technology Fast 500
© 2018 Payoneer Inc., Proprietary and Confidential

7. Payoneer Connects Leading Marketplaces Globally…
FREELANCING
STOCK PHOTOGRAPHY
ECOMMERCE / MARKETPLACES
VACATION RENTALS
DIGITAL MARKETING
OTHERS
Translation | Design | Developers

8. Touching the Money Fraud, cyber and other risks Owing the Relationship
Compliance overhead
Unlimited growth

9. Higher chances of success Lower cost to profitability
Not Touching the Money
Higher chances of success
Lower cost to profitability
Quality
Should prevail

10. Payoneer landscape A Fintech business lines are blurring Banks/ Cards
Payment
Processors
Payout Focus
New Banks
Digital Wallets
FX Brokers
Domestic
Providers
P2P originally
Internet Giants
Fintech business lines are blurring

11. The wallet revolution | Payment apps
GLOBAL APPS
LOCAL APPS
CREDIT CARD COMPANIES
RETAILERS
BANKS
FOOD
TELCOS 1 3
3 have spoken with us 2

12. Beyond Payments: Penetrating a Massive Addressable Market
Trade
Services
Working
Capital
X-BORDER B2B PAYMENTS
$51 Trillion Volume
Localizing Globally
Additional Financial Services
M&A
Additional FX/Payment Tools
Brand & Customer Acquisition Platform
Compliance, Regulatory and Risk Platform
Global Bank and Payment Infrastructure
Technology Platform
Integration w/
Business Partners
Automating Financial
Supply Chain

13. “Prediction is very difficult, especially if it's about the future”
Blockchain
Bitcoin
ICO