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Payment AcceptanceServicesProvided by Elavon1Merchant Acquiring 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 well asgrow beyond traditional markets, that is whywe have a unique three step plan to help themachieve this.We connect businesses to opportunitiesabroad through trade missions and meet-the-2Payment Acceptance Servicesbuyer programmes and offer access to servicessuch as the Trade Portal and Trade Club.We help them build on these connectionsby facilitating their business operation, forexample arranging local banking facilities,providing foreign payments and trade services.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 payment acceptancesolutions available to you via a referral to Elavon.1. Introduction to ElavonPage 42. Take payments onlinePage 53. Alternative Payment Methods (APMs)Page 64. International payment supportPage 75. Keeping payments securePage 8Today, people expect to be able to pay foralmost everything using their debit and creditcards. Working in partnership with paymentsolutions provider Elavon†, we can help yourbusiness offer flexible and secure ways to pay.†Card Payment Processing provided by Elavon FinancialServices DAC. Registered in Ireland with CompaniesRegistration Office. The liability of the member is limited.United Kingdom branch registered in England and Walesunder the number BR009373. Elavon is a trading name ofElavon Financial Services DAC. PHR-STA-1009-UK Rev 0609.3Merchant Acquiring ServicesPayment Acceptance Services3

Introduction to ElavonElavon can support your customers in how and where they 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.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:Elavon can help you navigate the paymentslandscape with simplicity, speed and transparency,as your business grows and your acceptanceneeds become more diverse.¡Look to global expertise¡Elavon is Europe’s fourth largest paymentsprovider1, delivering payments services tomore than one million customers worldwide,using an award-winning and highly-secureprocessing platform.¡¡¡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 the world’smost ethical bank2, so you can feel sure you and your business arein safe hands.1. Source: Nilson report, June 2018. 2. US Bank has been recognised by Ethisphere Institute, a global leader in defining and advancing thestandards of ethical business practices, as one of the 2018 World’s Most Ethical Companies (for the fourth consecutive year).4MerchantAcceptancePaymentAcquiring ServicesServices

Take payments onlineMobile, PC, tablet or over the phone – Elavon helps connect payments.It has never been more important to ensureyour website is optimised, intuitive and reliable– particularly when it comes to payment.Research shows the most likely place forcustomers to abandon online purchasing ison the payments page – so getting this wrongcan potentially lose customers with a loss ofrevenue*.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.The Elavon Payment Gateway4. Integrated solution.Elavon’s high-performing Payment Gatewayoffers everything businesses need to takecustomer payments online successfully:Online security¡¡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.All transactions are PCI DSS compliantand benefit from 3DSecure technology as arobust means of cardholder authentication.With Elavon you can:¡¡¡Integrates easily with all major shoppingcarts and platforms, such as Shopify,WooCommerce and Magento.¡¡¡Responsive on all devices.*According to the Baymard Institute, a web research company,67.45% of online shopping carts are abandoned.5Merchant Acquiring Services¡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.Payment Acceptance Services5

Alternative Payment Methods(APMs)Keep businesses ahead of customer trends.Over half of all online transactionswill be made using alternativepayment methods by 2021*.Staying ahead of the competitionmeans a business must evolve withand embrace new payment solutionsand customer preferences.Working with Elavon, you can offer a range ofalternative payment methods – like Apple Pay,Google Pay and Samsung Pay, PayPal, Alipayand Union Pay – all of which are accepted asstandard to your customers.Local payment preferencesBusinesses can capitalise on local paymentpreferences when their customers shop online– a real differentiator in today's increasinglyglobal marketplace.6Payment Acceptance ServicesElavon’s wide range of payment methodsmeans your online customers can choose theirpreferred 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 payment types –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 complicated.¡Elavon's international payments platformfacilitates the expansion into new markets,without having to set up and managemultiple payment providers, complex systemsintegrations or banking arrangements acrossmultiple countries.One global marketplace¡Elavon brings international experience, capabilityand reach to support your international ambitions.Elavon has over 25 years experience in acquiringand is the world's 3rd largest payments acquirer.They also support over 35 languages, offer over120 payment currencies, 50 alternative paymentmethods and have a reach across Europe, US,Canada and Mexico for face to face acquiring(supporting e-commerce payments in mostglobal countries without sanctions).Elavon can provide a single contractualframework, aggregated reporting and one teamof Elavon experts dedicated to making theacceptance of payments straightforward in allof the markets you trade in.Many ways to payElavon’s international payments platform handlesall major schemes, including Visa, Mastercard,American Express and Union Pay, as well asalternative payment methods, such as Apple Pay,Google Pay and Samsung Pay.¡Multi-Currency Conversion (MCC)offers payments acceptance in 120 currencies, via a website or telephone/ mailorders, while a business receives settlementin its own currency. Customers can haveconfidence in knowing the exact amountthey will be charged on their card or bankstatement. Better still, a business canalso use intelligent pricing to work acrossdifferent countries and markets.Dynamic Currency Conversion (DCC)offers international customers the choiceto pay in their home currency when makingpayments in person or remotely. Elavon offersconversion in 60 currencies and a rebate onall 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 a singleinternational 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 for goodsor services in their home currency, wherever theyare in the world. Currency conversion solutionshelp facilitate these requests whilst maintaininga consistent payment experience. Such solutionsinclude:Payment Acceptance Services7

Keeping payments secureWhere keeping payments safe is paramount for you and your customers.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.