The document discusses the growth of mobile payments, with smartphone sales exceeding PC shipments in 2011. It notes that global mobile transactions were predicted to reach $241 billion in 2011 and over $1 trillion by 2015. "Generation M" is driving this growth through their high smartphone usage. The company paythru is presented as a payments platform that is network, method and device agnostic, providing secure one-click transactions for mobile via existing card and bank payment methods. Examples of paythru's mobile payment solutions including PAY@TABLE and paythruSMS are described, highlighting their convenience and ease of use.

1. Making It Mobile
22nd March 2012
slide 1

2. The growth of mobile payments
๏ In 2011 smartphone sales exceeded PC shipments for the first time
๏ More of us will be browsing the web via our phones than accessing it from a PC.
We should be able to buy easily, too!
๏ ‘Global mobile transactions were predicted to be $241 Billion in 2011, growing to
more than $1 Trillion by 2015’ Yankee Group
๏ Transaction values are growing: we are seeing individual transactions over £5,000
slide 2

3. So who’s driving this growth?
slide 3

4. ‘Generation M’

5. What is paythru?
๏ Definition - A payments company specialising in mobile
๏ Simple, secure and effective for consumers and merchants
๏ A platform that is network, method & device agnostic
๏ Trusted Bank strength security - Exceed PCI DSS Level 1 2.0
& ‘Tokenisation’ Regulations
๏ Vision - Bringing the world of payments to the mobile consumer
๏ Innovative: paythru creates personalised m-Commerce
experiences that increase loyalty and value
๏ Frictionless: easy one-click transactions for mobile
๏ Ubiquitous: a spectrum of payment types including “virtual
money” such as coupons, loyalty points and certificates
slide 5

6. Technology Strategy
slide 6

7. So is it all about ‘Tap and Go’ / NFC?
๏ ‘Tap and Go’ / NFC:
๏ Merchants will need new ‘readers’ in store.
๏ Consumers will need new handsets/devices
๏
?
Currently limited to some operators / card providers.
๏ Transaction limits (in UK limited to £15, £100 max load) – so
not suitable for high value items or impulse purchasing.
๏ New to consumers.
๏ You won’t find NFC here.
slide 7

8. So is it all about m-wallets?
๏ M-wallets:
๏ Normally require pre-registration (again, ruling out impulse purchases).
๏ Integration costs to retailers.
๏ Consumer reluctance to deposit money with schemes
?
slide 8

9. So is it all about Card & Bank payment?
✓
๏ Card and Bank payments:
๏ No registration required.
๏ Familiar to customers.
๏ No additional charges to retailers .
๏ Secure.
great starting point!
๏ Ubiquitous. Accepted Worldwide.
Turkish retailer and
mobile payments!
slide 9

10. OK, so we’re therefore combining these...

11. ... with this.

12. Global Connectivity Coverage
France Spain Denmark United Kingdom Germany Poland The Netherlands
All Major Banks
Norway/ Sweden Estonia
Italy Hungary
Canada Russia
USA Singapore
Finland Ireland
Czech Republic
Global Coverage Australia &
New Zealand
Over 200 Local payment connections
slide 12

13. Product Suite
paythruCOLLECT
paythruDONATE
paythruMEDIA
paythruMONEY
paythruTICKET
paythruPARK
paythruPLUS
PAY@TABLE
paythru
paythru
Integration Interfaces for Partners
Enterprise API
paythru paythruREACTOR Platform
providing:
Gateway API
paythruADMIN & PARTNER • e- Wallet
paythru paythruANALYTICS • Payment Instalments
Express API paythruPAGES • Personal Credit
paythruTAG • Personal Contracts
paythru paythruSMS • Debit & Credit Card payments
payD API • Alternative Payments
paythruVOICE
paythruMONEY • Electronic Fund Transfers
paythru
• payD Mobile Authenticated
Voice API Transactions
slide 13

14. Ingenuity in action - paythruPAY@TABLE
slide 14

15. Ingenuity in action - mobile web, PAY@TABLE
journey a
(pay full amount)
journey b
(split amount)
journey c
(enter amount)
1. The waiter/ 2. The customer logs in to 3 The customer
waitress presents the the app/mobile website enters the PIN, it is
bill to the customer at then sent to paythru
the table. who queries Micros for
the check details.
slide 15

16. Ingenuity in action - mobile web, PAY@TABLE
1. The customer is 2. The customer is 3. Payment is made
presented with the asked a second time if and the customer has
total amount payable they would like to the option to email a
and confirms confirm payment. receipt. Micros closes
payment. the check.
slide 16

17. Ingenuity in action - paythruSMS
1. The customer 2. The waiter/ 3. The customer
signs up to ‘Pay at waitress presents the sends the PIN to a
Table’ on Jamie’s bill to the customer at short code using SMS.
Italian website. the table.
slide 17

18. Ingenuity in action - paythruSMS
4. The customer 5. The customer 6. The customer 7. The customer
receives an SMS confirms the transaction receives confirmation sends an optional SMS
confirming the and a gratuity amount if and instruction on confirming that they
balance to pay, with desired. Payment is how to make a would like to make a
the option to add made. Micros closes charitable donation. charitable donation.
gratuity. the check.
slide 18

19. Ingenuity in action - paythruPLUS
slide 19

20. Ingenuity in action - paythruPLUS
Customer has to Management page The customer can
set up preferences displays funds available, manage account on
when joining money saved, links to the mobile or desktop
apply for credit, etc
slide 20

21. Ingenuity in action - paythruPLUS
The system thus This allows the Thus optimising
provides insight into merchant to send consumer relationships
customer behaviour customised offers and consumer
transactions
slide 21

22. Ingenuity in action - paythruPLUS
Upon joining in, the As a thank you, the To incentivise
customer would customer receives customers to come to
receive introductory offers for their next the centre on a
offers and gifts visit to the shopping specific day they get
centre special offers
slide 22

23. But it’s not just about great
technology...
It’s also about execution.
slide 23

24. Strategy
paythru participates in the largest mobile finance segments
€€€ Mobile Commerce ✓
Impact on marketing, CRM, channel expansion
€€ Mobile Payments ✓
Person to Merchant as well as Person To Person
€
Mobile Banking
eg - check your bank balance
slide 24

25. Where is paythru at today?
๏ 8 core markets
๏ Retail
๏ Food
๏ Charity
๏ Local Government
๏ Debt collection
๏ Ticketing/Billing
๏ P2P
๏ Media
๏ 3 core territories
๏ UK/Europe
๏ South Africa
๏ Turkey slide 25

26. Clients & Partners
UK/Europe
๏ “Step Change” Opportunities -> category domination
๏ Retail - SC+/HS+ = Capital Shopping Centres
๏ Food - Micros (Wagamama, Yum), Jamie Oliver
๏ Charity - NSPCC, Charities Trust, Jamie Oliver Foundation
๏ Local Government - Serco, Capita, SNT
๏ Debt - Adeptra, Nostrum
๏ Ticketing/billing - Lo-Q, Parkeon, Switchfire
Overseas (currently South Africa, Turkey, Australia)
๏ Retail - Groupon, Takealot, Jumbuck
๏ Banking - Asseco, PayD
๏ Other - MixIT, Mira, MBD, Connet
slide 26

27. paythru investment profile
Company Profile Current Investors: Private investors
Capital Raised to Date: €3M
Last Financing Round: €0.75M
Date of Last Round of Financing: 07/31/11
Valuation of Last Financing Round: €6.25M
Expected Date of Next Financing Round: Q2 2012
Size of Next Financing Round: €1 - 2M
Main Use of Proceeds: Grow Internationally and
technological development
Date of Profitability: Q2 2012
Expected IPO / Exit: 2013-2015
Company Seeks Venture Capital: Yes
Strategic / Corporate Partners: Yes
Preferred Location of Investor: London
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28. russell sheffield
+44 1494 41 51 23
r.sheffield@paythru.com
Text paythru to 67766
paythru.mobi