PayX Group

𝗛𝗼𝘄 𝘁𝗼 𝗰𝘂𝘁 𝘆𝗼𝘂𝗿 𝗰𝗼𝘀𝘁𝘀 𝗮𝗻𝗱 𝘀𝘁𝗮𝘆 𝗰𝗼𝗺𝗽𝗲𝘁𝗶𝘁𝗶𝘃𝗲 𝗣𝗮𝘆𝗫 𝗖𝗼𝘀𝘁 𝗢𝗽𝘁𝗶𝗺𝗶𝘀𝗮𝘁𝗶𝗼𝗻 𝗦𝗲𝗿𝘃𝗶𝗰𝗲𝘀: a) Lets you focus on running your business b) We give you constant deep insights on your costs performance c) We help you action realising streams of material savings Your effort is minimal; your results are substantial! (We analyse your existing data, in any format) 𝗙𝗿𝗲𝗲 𝗜𝗻𝗶𝘁𝗶𝗮𝗹 𝗖𝗼𝗻𝘀𝘂𝗹𝘁𝗮𝘁𝗶𝗼𝗻: To help you get started, we're offering a free initial consultation. During this session, our experts will provide a preliminary analysis and identify solid areas for profitability optimisation. Contact us now - info@payxintl.com

𝗠𝗮𝘀𝘁𝗲𝗿𝗰𝗮𝗿𝗱/𝗩𝗶𝘀𝗮 𝗙𝗲𝗲𝘀 - 𝗛𝗶𝗱𝗱𝗲𝗻 𝗣𝗿𝗼𝗳𝗶𝘁 𝗟𝗲𝗮𝗸𝘀 𝗘𝘅𝗽𝗼𝘀𝗲𝗱 At PayX, we specialise in helping payment businesses streamline their operations, boost profitability, and uncover new revenue opportunities. With over 25 years of hands-on industry experience, we’ve tailored our services to address the specific challenges and goals of companies like yours. 𝗛𝗲𝗿𝗲’𝘀 𝗵𝗼𝘄 𝘄𝗲 𝗰𝗮𝗻 𝗺𝗮𝗸𝗲 𝗮 𝗱𝗶𝗳𝗳𝗲𝗿𝗲𝗻𝗰𝗲: 𝗙𝗲𝗲𝘀 𝗮𝗻𝗱 𝗣𝗿𝗶𝗰𝗶𝗻𝗴 𝗢𝗽𝘁𝗶𝗺𝗶𝘀𝗮𝘁𝗶𝗼𝗻 - We are committed to optimising your current fee structures and pricing models to ensure you achieve maximum profitability. 𝗜𝗻𝗳𝗿𝗮𝘀𝘁𝗿𝘂𝗰𝘁𝘂𝗿𝗲 𝗠𝗼𝗱𝗲𝗿𝗻𝗶𝘀𝗮𝘁𝗶𝗼𝗻 - By utilising hybrid technologies and strategic partnerships, we reduce costs and modernise legacy systems, providing you with market-leading capabilities while minimising risk. 𝗡𝗲𝘄 𝗥𝗲𝘃𝗲𝗻𝘂𝗲 𝗦𝘁𝗿𝗲𝗮𝗺𝘀 𝘄𝗶𝘁𝗵 𝗡𝗲𝘅𝘁-𝗚𝗲𝗻 𝗣𝗮𝘆𝗺𝗲𝗻𝘁𝘀 - We enable you to capitalise on emerging revenue opportunities by introducing next-generation payment models and strategic partnerships, allowing your business to grow at the right time. Ready to take the next step? Reach out to us today to schedule a consultation and discover how we can help you achieve your goals. 𝗖𝗼𝗻𝘁𝗮𝗰𝘁 𝘂𝘀 𝗼𝗻 𝗶𝗻𝗳𝗼@𝗽𝗮𝘆𝘅𝗶𝗻𝘁𝗹.𝗰𝗼𝗺

𝗔𝗱𝗼𝗽𝘁 𝗣𝗿𝗼𝘃𝗲𝗻 𝗡𝗲𝘅𝘁𝗚𝗲𝗻 𝗣𝗮𝘆𝗺𝗲𝗻𝘁𝘀 𝗠𝗼𝗱𝗲𝗹𝘀 As digital payments continue to evolve, staying competitive means more than keeping up with the latest trends—it’s about leading the charge with innovative payment solutions that drive growth. At PayX, we specialise in helping businesses like yours navigate the complexities of the payments ecosystem. From emerging payment methods to cutting-edge technologies, we empower you to deliver seamless, scalable, and profitable solutions to your customers. 𝗛𝗲𝗿𝗲’𝘀 𝗵𝗼𝘄 𝘄𝗲 𝗰𝗮𝗻 𝗵𝗲𝗹𝗽: 𝗖𝘂𝘀𝘁𝗼𝗺 𝗦𝘁𝗿𝗮𝘁𝗲𝗴𝘆 𝗗𝗲𝘀𝗶𝗴𝗻 We tailor a NextGen payment roadmap aligned with your unique business needs, enabling you to implement solutions that boost market share and maximise profitability. 𝗘𝘅𝗽𝗲𝗿𝘁 𝗚𝘂𝗶𝗱𝗮𝗻𝗰𝗲 𝗼𝗻 𝗣𝗮𝘆𝗺𝗲𝗻𝘁 𝗜𝗻𝗻𝗼𝘃𝗮𝘁𝗶𝗼𝗻𝘀 From digital wallets and real-time payments to cryptocurrencies and Buy Now, Pay Later (BNPL) options, we’ll help you adopt the most impactful solutions for your market. 𝗘𝗻𝗱-𝘁𝗼-𝗘𝗻𝗱 𝗜𝗺𝗽𝗹𝗲𝗺𝗲𝗻𝘁𝗮𝘁𝗶𝗼𝗻 𝗦𝘂𝗽𝗽𝗼𝗿𝘁 From strategy development to execution, we provide hands-on support to ensure smooth integration of NextGen payment technologies, so you can focus on what matters most—growing your business. As your trusted partner, we’re committed to helping you unlock new revenue streams, enhance customer experience, and stay ahead in the competitive payments industry. 𝗥𝗲𝗮𝗱𝘆 𝘁𝗼 𝗳𝘂𝘁𝘂𝗿𝗲-𝗽𝗿𝗼𝗼𝗳 𝘆𝗼𝘂𝗿 𝗽𝗮𝘆𝗺𝗲𝗻𝘁𝘀 𝘀𝘁𝗿𝗮𝘁𝗲𝗴𝘆? 𝗖𝗼𝗻𝘁𝗮𝗰𝘁 𝘂𝘀 𝘁𝗼𝗱𝗮𝘆 𝘁𝗼 𝗱𝗶𝘀𝗰𝗼𝘃𝗲𝗿 𝗵𝗼𝘄 𝘄𝗲 𝗰𝗮𝗻 𝘁𝗿𝗮𝗻𝘀𝗳𝗼𝗿𝗺 𝘆𝗼𝘂𝗿 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀 𝘄𝗶𝘁𝗵 𝗡𝗲𝘅𝘁𝗚𝗲𝗻 𝗽𝗮𝘆𝗺𝗲𝗻𝘁 𝘀𝗼𝗹𝘂𝘁𝗶𝗼𝗻𝘀 - info@payxintl.com

𝗣𝗮𝘆𝗺𝗲𝗻𝘁 𝗜𝗻𝗳𝗿𝗮𝘀𝘁𝗿𝘂𝗰𝘁𝘂𝗿𝗲 𝗖𝗼𝘀𝘁𝘀 𝗥𝗲𝗱𝘂𝗰𝗲𝗱 𝗯𝘆 𝟱𝟬-𝟳𝟬% - 𝗣𝗮𝘆𝗫 𝗣𝗿𝗼𝘃𝗲𝗻 𝗠𝗲𝘁𝗵𝗼𝗱𝗼𝗹𝗼𝗴𝘆 Are you paying twice as much as you should for your payments infrastructure? Changing infrastructure is high cost and high risk - correct 10 years ago - 𝗻𝗼𝘄 𝗶𝘁 𝗶𝘀 𝗮𝗳𝗳𝗼𝗿𝗱𝗮𝗯𝗹𝗲 𝗮𝗻𝗱 𝗹𝗼𝘄 𝗿𝗶𝘀𝗸! We have a proven approach that delivers tangible results. Over the last 25 years, PayX has helped numerous payment operators significantly reduce their total cost of ownership by 50-70%. 𝗢𝘂𝗿 𝗣𝗿𝗼𝘃𝗲𝗻 𝗔𝗽𝗽𝗿𝗼𝗮𝗰𝗵 𝗜𝗻𝗰𝗹𝘂𝗱𝗲𝘀: • A comprehensive methodology from initial assessment to procurement, ensuring a smooth transition. • Guidance from world-class payments experts. • Vendor-agnostic solutions that integrate with your existing legacy systems – no disruptive overhauls, just carefully managed steps forward. 𝗧𝘆𝗽𝗶𝗰𝗮𝗹 𝗣𝗮𝘆𝗫 𝗥𝗲𝘀𝘂𝗹𝘁𝘀: • 50%+ reduction in legacy system costs. • Faster time-to-market with modernised, cost-efficient delivery. • P&L savings within 6-12 months. 𝗖𝗼𝗻𝘁𝗮𝗰𝘁 𝘂𝘀 𝗳𝗼𝗿 𝗺𝗼𝗿𝗲 𝗶𝗻𝗳𝗼𝗿𝗺𝗮𝘁𝗶𝗼𝗻 𝗮𝘁 𝗶𝗻𝗳𝗼@𝗽𝗮𝘆𝘅𝗶𝗻𝘁𝗹.𝗰𝗼𝗺

𝗣𝗮𝘆𝗺𝗲𝗻𝘁𝘀 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀𝗲𝘀 𝗺𝘂𝘀𝘁 𝗼𝗽𝘁𝗶𝗺𝗶𝘀𝗲 𝗰𝗼𝘀𝘁𝘀 𝘁𝗼 𝘀𝘁𝗮𝘆 𝗰𝗼𝗺𝗽𝗲𝘁𝗶𝘁𝗶𝘃𝗲 Are you aiming to boost your profits and simplify your payment processes? Our fees and pricing optimisation solution is crafted to transform your business operations. In the current competitive market, every penny matters. That's why it's essential to optimise your payment fees and pricing strategies to unlock your full revenue potential.   At PayX, Payments Cost Data Analytics and Visualisation form the foundation of our approach. We offer a range of customisable modules that allow you to fine-tune fee management and pricing, ensuring your business operates at peak efficiency on an ongoing basis. With our solutions, our customers can consistently achieve a competitive edge.   PayX doesn't just quickly identify significant savings and offer recommended solutions—we also assist customers in implementing those savings and optimising their business operations. 𝗖𝗼𝗻𝘁𝗮𝗰𝘁 𝗨𝘀 𝗡𝗼𝘄 - info@payxintl.com

𝗣𝗿𝗼𝗳𝗶𝘁 𝗟𝗲𝗮𝗸𝗮𝗴𝗲 𝗧𝗵𝗮𝘁 𝗬𝗼𝘂 𝗗𝗼𝗻’𝘁 𝗞𝗻𝗼𝘄 𝗔𝗯𝗼𝘂𝘁 At PayX we specialise in helping payment businesses streamline their operations to drive profitability and unlock new revenue streams. With over 25 years of hands-on experience in the industry, we've refined our services to meet the unique needs of companies like yours. 𝗛𝗲𝗿𝗲’𝘀 𝗵𝗼𝘄 𝘄𝗲 𝗰𝗮𝗻 𝗺𝗮𝗸𝗲 𝗮 𝗱𝗶𝗳𝗳𝗲𝗿𝗲𝗻𝗰𝗲: 𝗙𝗲𝗲𝘀 𝗮𝗻𝗱 𝗣𝗿𝗶𝗰𝗶𝗻𝗴 𝗢𝗽𝘁𝗶𝗺𝗶𝘀𝗮𝘁𝗶𝗼𝗻 - We continuously work to enhance your existing fee structures and pricing models, ensuring maximum profitability. 𝗜𝗻𝗳𝗿𝗮𝘀𝘁𝗿𝘂𝗰𝘁𝘂𝗿𝗲 𝗠𝗼𝗱𝗲𝗿𝗻𝗶𝘀𝗮𝘁𝗶𝗼𝗻 - By leveraging hybrid technologies and strategic partners, we reduce costs and modernise legacy systems, equipping you with market-leading capabilities with minimal risk. 𝗡𝗲𝘄 𝗥𝗲𝘃𝗲𝗻𝘂𝗲 𝗦𝘁𝗿𝗲𝗮𝗺𝘀 𝘄𝗶𝘁𝗵 𝗡𝗲𝘅𝘁-𝗚𝗲𝗻 𝗣𝗮𝘆𝗺𝗲𝗻𝘁𝘀 - We help you tap into emerging revenue opportunities by introducing next-generation payment models and partnerships, so you can grow at the right time. 𝗥𝗲𝗮𝗱𝘆 𝘁𝗼 𝗴𝗲𝘁 𝘀𝘁𝗮𝗿𝘁𝗲𝗱? 𝗖𝗼𝗻𝘁𝗮𝗰𝘁 𝘂𝘀 𝘁𝗼𝗱𝗮𝘆 𝘁𝗼 𝘀𝗰𝗵𝗲𝗱𝘂𝗹𝗲 𝗮 𝗰𝗼𝗻𝘀𝘂𝗹𝘁𝗮𝘁𝗶𝗼𝗻 𝗮𝗻𝗱 𝗹𝗲𝗮𝗿𝗻 𝗺𝗼𝗿𝗲 𝗮𝗯𝗼𝘂𝘁 𝗵𝗼𝘄 𝘄𝗲 𝗰𝗮𝗻 𝗵𝗲𝗹𝗽 𝘆𝗼𝘂 𝗮𝗰𝗵𝗶𝗲𝘃𝗲 𝘆𝗼𝘂𝗿 𝗴𝗼𝗮𝗹𝘀 - info@payxintl.com

𝗔𝗹𝘁𝗲𝗿𝗻𝗮𝘁𝗲 𝗣𝗮𝘆𝗺𝗲𝗻𝘁 𝗠𝗲𝘁𝗵𝗼𝗱𝘀 - 𝘄𝗶𝗻𝗻𝗶𝗻𝗴 𝘁𝗵𝗲 𝗿𝗮𝗰𝗲 Merchant Acquiring is in the midst of a radical transformation, presenting both opportunities and challenges. Platform service approaches are accelerating organisational capabilities to deliver more dynamic customer solutions. All Alternate methods are demanded but which and when and how do you unlock supporting the correct ones? Which will grow market share, increase profits verses which will eat cost budgets and return losses? Executing a robust roadmap with a refined criteria framework is critical to success. Here’s how customers work with PayX for competitive advantage: 𝗨𝗻𝗶𝗳𝗶𝗲𝗱 𝗠𝗮𝗿𝗸𝗲𝘁 𝗣𝗲𝗿𝘀𝗽𝗲𝗰𝘁𝗶𝘃𝗲: Align your internal teams with a clear understanding of market needs and available options. 𝗦𝘁𝗿𝗮𝘁𝗲𝗴𝗶𝗰 𝗣𝗿𝗶𝗼𝗿𝗶𝘁𝗶𝘀𝗮𝘁𝗶𝗼𝗻: Establish an evaluation framework to effectively prioritise your options based on impact and feasibility. 𝗖𝗼𝗺𝗽𝗿𝗲𝗵𝗲𝗻𝘀𝗶𝘃𝗲 𝗣𝗹𝗮𝗻𝗻𝗶𝗻𝗴: Gain a deep understanding of the effort required for each option and focus on outcomes that drive growth. Our deep dives into Next-Gen alternative payment methods covers operating models, enabling technologies, economic drivers, risks and key success factors. The outcomes empower you to build a well-aligned roadmap to confidently execute a profitable strategy. 𝗥𝗲𝗮𝗱𝘆 𝘁𝗼 𝘂𝗻𝗹𝗼𝗰𝗸 𝗻𝗲𝘄 𝗿𝗲𝘃𝗲𝗻𝘂𝗲 𝘀𝘁𝗿𝗲𝗮𝗺𝘀 𝗮𝗻𝗱 𝘀𝘁𝗮𝘆 𝗮𝗵𝗲𝗮𝗱 𝗶𝗻 𝘁𝗵𝗲 𝗽𝗮𝘆𝗺𝗲𝗻𝘁𝘀 𝗶𝗻𝗱𝘂𝘀𝘁𝗿𝘆? 𝗖𝗼𝗻𝘁𝗮𝗰𝘁 𝘂𝘀 𝘁𝗼𝗱𝗮𝘆 𝘁𝗼 𝗲𝘅𝗽𝗹𝗼𝗿𝗲 𝗵𝗼𝘄 𝗡𝗲𝘅𝘁𝗚𝗲𝗻 𝗣𝗮𝘆𝗺𝗲𝗻𝘁𝘀 𝗰𝗮𝗻 𝘁𝗿𝗮𝗻𝘀𝗳𝗼𝗿𝗺 𝘆𝗼𝘂𝗿 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀 - info@payxintl.com

𝗣𝗮𝘆𝗺𝗲𝗻𝘁𝘀: 𝟱𝟬% 𝗖𝗼𝘀𝘁 𝗥𝗲𝗱𝘂𝗰𝘁𝗶𝗼𝗻 𝗼𝗳 𝗜𝗻𝗳𝗿𝗮𝘀𝘁𝗿𝘂𝗰𝘁𝘂𝗿𝗲 𝗧𝗖𝗢 We have helped numerous payment operating businesses reduce their infrastructure costs by 50-70% total cost of ownership. It’s a slow turning ship for most but now there is a proven approach and track record of people achieving these results. 𝗖𝗮𝗻 𝘆𝗼𝘂 𝗮𝗳𝗳𝗼𝗿𝗱 𝘁𝗼 𝗿𝘂𝗻 𝘁𝗵𝗲 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀 𝘄𝗶𝘁𝗵 𝘁𝘄𝗶𝗰𝗲 𝘁𝗵𝗲 𝗶𝗻𝗳𝗿𝗮𝘀𝘁𝗿𝘂𝗰𝘁𝘂𝗿𝗲 𝗰𝗼𝘀𝘁 𝗶𝘁 𝘀𝗵𝗼𝘂𝗹𝗱 𝗯𝗲? 𝗣𝗮𝘆𝗫 𝗔𝗽𝗽𝗿𝗼𝗮𝗰𝗵 1. Proven Methodology standard covering Assessment, Recommendations, Business Case through to Shortlist & Documented Procurement Process & Selection 2. World Class Payments Experts utilised 3. Solutions vendor agnostic through small IT steps with hybrid tech (customer chosen) alongside existing legacy - No Big Bangs - Risks Managed 𝗣𝗮𝘆𝗫 𝗥𝗲𝘀𝘂𝗹𝘁𝘀 𝘁𝘆𝗽𝗶𝗰𝗮𝗹𝗹𝘆: 1. Cost Reduction of 50%+ on legacy systems Total Cost of Ownership 2. Modernisation delivers fast time to market with lower delivery costs 3. P&L Cost Reduction starting in 6-12 months Let’s discuss how our solutions can drive your financial institution towards unparalleled efficiency and growth. Contact us today to schedule a consultation or to learn more about our service offerings - info@payxintl.com

𝗣𝗮𝘆𝗺𝗲𝗻𝘁𝘀 𝗠𝗮𝗿𝗴𝗶𝗻 𝗢𝗽𝘁𝗶𝗺𝗶𝘀𝗮𝘁𝗶𝗼𝗻 - 𝗦𝘁𝗿𝗮𝗶𝗴𝗵𝘁 𝘁𝗼 𝘁𝗵𝗲 𝗕𝗼𝘁𝘁𝗼𝗺 𝗟𝗶𝗻𝗲 𝗣𝗮𝘆𝗫 𝗖𝗼𝘀𝘁 𝗢𝗽𝘁𝗶𝗺𝗶𝘀𝗮𝘁𝗶𝗼𝗻 𝗦𝗲𝗿𝘃𝗶𝗰𝗲𝘀: a) Lets you focus on running your business b) We give you constant deep insights on your costs performance c) We help you action realising streams of material savings 𝗬𝗼𝘂𝗿 𝗲𝗳𝗳𝗼𝗿𝘁𝘀 𝗮𝗿𝗲 𝗺𝗶𝗻𝗼𝗿; 𝘆𝗼𝘂𝗿 𝗿𝗲𝘀𝘂𝗹𝘁𝘀 𝗮𝗿𝗲 𝗺𝗮𝗷𝗼𝗿! (𝗼𝘂𝗿 𝗮𝗻𝗮𝗹𝘆𝘀𝗶𝘀 𝗶𝘀 𝗼𝗻 𝗮𝗹𝗿𝗲𝗮𝗱𝘆 𝗲𝘅𝗶𝘀𝘁𝗶𝗻𝗴 𝗱𝗮𝘁𝗮, 𝗮𝗻𝘆 𝗳𝗼𝗿𝗺𝗮𝘁𝘀) 𝗙𝗿𝗲𝗲 𝗜𝗻𝗶𝘁𝗶𝗮𝗹 𝗖𝗼𝗻𝘀𝘂𝗹𝘁𝗮𝘁𝗶𝗼𝗻 To help you get started, we're offering a free initial consultation. During this session, our experts will provide a preliminary analysis and identify solid areas for profitability optimisation. 𝗖𝗼𝗻𝘁𝗮𝗰𝘁 𝘂𝘀 𝗻𝗼𝘄 - info@payxintl.com

𝗣𝗿𝗼𝗳𝗶𝘁𝗮𝗯𝗶𝗹𝗶𝘁𝘆 𝗢𝗽𝘁𝗶𝗺𝗶𝘀𝗮𝘁𝗶𝗼𝗻 𝘄𝗶𝘁𝗵 𝗣𝗮𝘆𝗫 - 𝗢𝘂𝗿 𝗧𝗼𝗽 𝗦𝗲𝗿𝘃𝗶𝗰𝗲 𝗢𝗳𝗳𝗲𝗿𝗶𝗻𝗴𝘀 We specialise in helping Payments Businesses streamline to maximise Profits & increase Revenues. Our top services have emerged from common practical experiences over the last 25 years. 𝗢𝘂𝗿 𝗧𝗼𝗽 𝟯 𝗦𝗲𝗿𝘃𝗶𝗰𝗲𝘀 𝗙𝗲𝗲𝘀 𝗮𝗻𝗱 𝗣𝗿𝗶𝗰𝗶𝗻𝗴 𝗢𝗽𝘁𝗶𝗺𝗶𝘀𝗮𝘁𝗶𝗼𝗻 - Constantly increasing profitability on fees/pricing models of existing business 𝗜𝗻𝗳𝗿𝗮𝘀𝘁𝗿𝘂𝗰𝘁𝘂𝗿𝗲 𝗠𝗼𝗱𝗲𝗿𝗻𝗶𝘀𝗮𝘁𝗶𝗼𝗻 - Low risk targeted cost reduction of legacy infrastructure using hybrid technologies/partners also increasing market winning capabilities 𝗡𝗲𝘄 𝗥𝗲𝘃𝗲𝗻𝘂𝗲 𝗦𝘁𝗿𝗲𝗮𝗺𝘀 𝘄𝗶𝘁𝗵 𝗡𝗲𝘅𝘁-𝗚𝗲𝗻 𝗣𝗮𝘆𝗺𝗲𝗻𝘁𝘀 - Gain new revenue/profit pools at the right time using next gen models/partners 𝗥𝗲𝗮𝗱𝘆 𝘁𝗼 𝗴𝗲𝘁 𝘀𝘁𝗮𝗿𝘁𝗲𝗱? 𝗖𝗼𝗻𝘁𝗮𝗰𝘁 𝘂𝘀 𝘁𝗼𝗱𝗮𝘆 𝘁𝗼 𝘀𝗰𝗵𝗲𝗱𝘂𝗹𝗲 𝗮 𝗰𝗼𝗻𝘀𝘂𝗹𝘁𝗮𝘁𝗶𝗼𝗻 𝗮𝗻𝗱 𝗹𝗲𝗮𝗿𝗻 𝗺𝗼𝗿𝗲 𝗮𝗯𝗼𝘂𝘁 𝗵𝗼𝘄 𝘄𝗲 𝗰𝗮𝗻 𝗵𝗲𝗹𝗽 𝘆𝗼𝘂 𝗮𝗰𝗵𝗶𝗲𝘃𝗲 𝘆𝗼𝘂𝗿 𝗴𝗼𝗮𝗹𝘀. - info@payxintl.com