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Payment AcceptanceServicesProvided by Elavon1Payment Acceptance Services

About UsSantander Corporate & Commercial has aninternational footprint with a presence in10 core countries and many more via ournetwork of alliances.We know that ambitious businesses want tocontinue to do business with Europe as wellas grow beyond traditional markets, that iswhy we have a unique three step plan to helpthem achieve this.We connect businesses to opportunitiesabroad through trade missions and meet-thebuyer programmes and offer access to servicessuch as the Trade Portal and Trade Club.2Payment Acceptance ServicesWe help them build on these connectionsby facilitating their business operation, forexample arranging local banking facilities,providing foreign payments and tradeservices.And we help them grow their business bymanaging their needs as they enter newmarkets, such as sourcing local services,and through our expertise in Sectors andcountries.

ContentsThis guide provides a comprehensive overview of the paymentacceptance solutions available to you via a referral to Elavon.Introduction to ElavonPage 4Take payments onlinePage 5Alternative Payment Methods (APMs)Page 6International payment supportPage 7Keeping payments securePage 8Today, people expect to be able to pay for almost everything using their debit and credit cards.Working in partnership with payment solutions provider Elavon†, we can help your business offerflexible and secure ways to pay.†Card Payment Processing provided by Elavon Financial Services DAC. Registered in Ireland with Companies Registration Office.The liability of the member is limited. United Kingdom branch registered in England and Wales under the number BR009373.Elavon is a trading name of Elavon Financial Services DAC. PHR-STA-1009-UK Rev 0609.Payment Acceptance Services3

Introduction to ElavonElavon can support your customers in how and wherethey want to pay.The pace of change in paymentsis forever increasing and keepingup with the latest innovations canbe challenging.This is why we partner with Elavon, a globalpayments provider, to offer leading paymentssolutions to our customers.Elavon packages are bespoke for yourbusiness so there is no one-size fits all price.Elavon listen to your specific needs and createa solution that fits your business. Applicationsare subject to credit score.Elavon can help you navigate the paymentslandscape with simplicity, speed andtransparency, as your business grows andyour acceptance needs become more diverse.Look to global expertiseElavon is Europe’s fourth largest paymentsprovider1, delivering payments services tomore than one million customers worldwide,using an award-winning and highly-secureprocessing platform.People make all the differenceLike Santander, Elavon is driven by arelationship led ethos and their businessmodel is focused on building collaborativerelationships.You can benefit from a dedicated Elavonrelationship manager, a strategic customersolutions team and a 24/7 Premier SupportTeam, ensuring help and support is alwaysavailable.With Elavon you can:Boost cash flow with next day settlementinto your Santander account. Connect the whole payment experience –in-person, online and on the move. Seamlessly integrate payments intoyour website. Accept all popular payment types. Be reassured customers’ payments aresecure and protected from cyber attacks. A part of U.S. Bank, the fifth largest commercial bank in the U.S.,Elavon has 25 year’s payments experience and is part of theworld’s most ethical bank2, so you can feel sure you and yourbusiness are in safe hands.1. Source: Nilson report, June 2018. 2. US Bank has been recognised by Ethisphere Institute, a global leader indefining and advancing the standards of ethical business practices, as one of the 2018 World’s Most EthicalCompanies (for the fourth consecutive year).4Payment Acceptance Services

Take payments onlineMobile, PC, tablet or over the phone – Elavon helps connectpayments.It has never been more important to ensureyour website is optimised, intuitive andreliable – particularly when it comes topayment.Research shows the most likely place forcustomers to abandon online purchasing is onthe payments page – so getting this wrongcan potentially lose customers with a loss ofrevenue*.The Elavon Payment GatewayElavon’s high-performing Payment Gatewayoffers everything businesses need to takecustomer payments online successfully:Accepts Visa and Mastercard, JCB, Diners,Discover and Amex cards among others. Alternative payment methods suchas Google Pay, Apple Pay and PayPalalso available. Mail Order/Telephone Orders (MOTO). Recurring payments. Integrates easily with all major shoppingcarts and platforms, such as Shopify,WooCommerce and Magento. Responsive on all devices Easy to set upThe payments section of your website can beset up in four different ways, all customised tosuit your company branding with a:1. Redirected hosted payment page.2. iframe embedded hosted solution.3. Light box overlaid hosted solution.4. Integrated solution.Online securityAll transactions are PCI DSS compliantand benefit from 3DSecure technology as arobust means of cardholder authentication.With Elavon you can:Reach more customers, wherever theyare in the world. Enable customers to choose theirpayment type. Seamlessly integrate payments intoyour website. Convert more sales by reducing shoppingcart abandonment. Have peace of mind that all paymentsare securely processed. *According to the Baymard Institute, a web researchcompany, 67.45% of online shopping carts areabandoned.Payment Acceptance Services5

Alternative Payment Methods (APMs)Keep businesses ahead of customer trends.Over half of all online transactions will bemade using alternative payment methodsby 2021*.Staying ahead of the competition meansa business must evolve with and embracenew payment solutions and customerpreferences.Working with Elavon, you can offer a rangeof alternative payment methods – like ApplePay, Google Pay and Samsung Pay, PayPal,Alipay and Union Pay – all of which areaccepted as standard to your customers.Local payment preferencesBusinesses can capitalise on local paymentpreferences when their customers shoponline – a real differentiator in today'sincreasingly global marketplace.6Payment Acceptance ServicesElavon’s wide range of payment methodsmeans your online customers can choosetheir preferred local payment method,from Direct Debit, to bank transfers andcash-based e-payments to e-wallets.With Elavon you can: Keep up with payment innovations.Provide customers a choice of paymenttypes – from card and contactless to mobile.Offer local payment preferences online.Connect the whole customer paymentexperience – in person, online and onthe move.*Global Payment Report 2017 conducted by WorldPay.

International payment supportNow is the time to thrive on the international stage.Going international doesn't needto be complicatedElavon's international payments platformfacilitates the expansion into newmarkets, without having to set up andmanage multiple payment providers,complex systems integrations or bankingarrangements across multiple countries.wherever they are in the world. Currencyconversion solutions help facilitate theserequests whilst maintaining a consistentpayment experience. Such solutions include: One global marketplaceElavon brings international experience,capability and reach to support yourinternational ambitions.Elavon has over 25 years experience inacquiring and is the world's 3rd largestpayments acquirer. They also support over35 languages, offer over 120 paymentcurrencies, 50 alternative payment methodsand have a reach across Europe, US, Canadaand Mexico for face to face acquiring(supporting e-commerce payments in mostglobal countries without sanctions).Elavon can provide a single contractualframework, aggregated reporting and oneteam of Elavon experts dedicated to makingthe acceptance of payments straightforwardin all of the markets you trade in.Many ways to payElavon’s international payments platformhandles all major schemes, including Visa,Mastercard, American Express and Union Pay,as well as alternative payment methods, suchas Apple Pay, Google Pay and Samsung Pay. Multi-Currency Conversion (MCC)offers payments acceptance in 120 currencies, via a website or telephone/mail orders, while a business receivessettlement in its own currency. Customerscan have confidence in knowing the exactamount they will be charged on their cardor bank statement. Better still, a businesscan also use intelligent pricing to workacross different countries and markets.Dynamic Currency Conversion (DCC)offers international customers the choiceto pay in their home currency whenmaking payments in person or remotely.Elavon offers conversion in 60 currenciesand a rebate on all DCC transactions made.Tax-Free Shoppingenables non-EU residents to shop on theUK high street and claim VAT back throughElavon’s point of sale terminal.With Elavon you can: Simplify payments management with asingle international payments partner.Access consistent reporting across allmarkets for easy reconciliation and review.Allow customers to pay in theirhome currency.Get cash fast with next businessday settlement.Pay in a range of currenciesCustomers may choose at times to pay forgoods or services in their home currency,Payment Acceptance Services7

Keeping payments secureWhere keeping payments safe is paramount for you and yourcustomers.You'll want your customers to feel securewhen buying from you and you need toprotect your organisation's reputation.You can rely on ElavonElavon is a PCI Level 1 compliant paymentsprovider, so you can be sure your customers’data is safe with them. Their fraud solutionsmake it easier for you to protect your businesswhile completing more sales. Meanwhile,their ISO 27001 certification, demonstratestheir commitment to a secure processingenvironment.Stay PCI compliantAll businesses taking card payments needto comply with Payment Card Industry DataSecurity Standard (PCI DSS) and Elavonsupports you every step of the way to makesure you achieve and maintain this.Elavon offers complimentary ‘discovery’workshops with a Qualified Security Assessorto determine any security needs you have,so that one of their dedicated PCI consultantscan proactively help you work through theidentified actions.Elavon defends 37% ofchargebacks against anindustry average of 19%*.Stay one step aheadElavon’s close relationships with the majorschemes, including Visa and Mastercard,means they’re in a great position to keep youinformed about regulatory changes and thelatest industry payment trends.Elavon offers complimentary ‘discovery’ workshops with a QualifiedSecurity Assessor to determine any security needs you have.94%of POS breaches resulted fromweak passwords or weak remoteaccess security74%of e-commerce breaches resultedfrom weak input validation orunpatched vulnerabilities8Payment Acceptance Services50%of EMEA breachesinvestigated targetedfinancial credentials43%of breaches occuredin the retail industry49%of breaches involved the theft ofPersonal Identifiable Information(PII) and card account data81%of breaches were detectedby a 3rd party* Source: 2015 Trustwave Global Security Report.