Tu yo pagos online presentation

2014

Who we are

TuYo Pagos issues user accounts for digital money (non-cash) payments via our licensed technology platforms.

We build the agent/merchant/user network that allows us to convert cash to digital money on a card, online or mobile account. This reduces transaction costs/risks for all parties.

How we are different

How we do it

What we do

Open platform and eWALLET that can work with ALL banks and incorporate multiple card products for worldwide transactions in all currencies and on any cellphone or computer.

Transforming payment eco-system into a complete circle of secure digital transactions between the user, merchants, suppliers and banks without cash or credit cards.

The result is

IS NOW…

Payments via PREPAID DEBIT

Our Brand

Represents brand message of Latinos controlling their monies and payments…banked or not

Chance to become most trusted brand in Latino digital transactions

¨Your¨ preferred payment system---card, mobile or online

Our Market

• In the USA, the percentage of non-banked adults has grown from 11% to 20% since 2008. Many of these are Latinos and foreigners that have difficulty gaining formal bank accounts or credit cards.

• These Latinos in USA send over $62 Billion USD back to Latin America & the Caribbean each year in remittances. They also wait in line each payday to cash their checks or send money back home to their reliant families and friends.

• New bank laws in LatAm are paving the way for non banked digital payments via cellphones, online payments and non card based kiosks or ATMs…

• Even banked workers are looking for more secure, less expensive alternatives for making online or mobile purchases or sending money user to user. To have a limited “eWallet” account where they can make payments using only their cellphone number gives more privacy and security to digital transactions than traditional bankcards.

52,135,291 LATINO MARKET

The Solution• Payments via mobile, card and internet for non-banked users and unlimited

number of merchants

• Merchants/Agents are extension of the bank in each country we operate, including the USA

• More secure “same as cash” transactions than bankcards with no chargeback to the merchants

• Our settlement banks increase transactions without extending retail banking to high risk/low volume customers and merchants

• Our solution takes cash off the streets and puts into the real economy of verifiable domestic and international transactions.

• POWER OF PREPAID DEBIT!

One of the largest, most robust eWallets in the market today. Built in dynamic currency conversion. Link to any of 70 banks in over 30 countries.

Offers a real-time loading gateway for holders of Paymenex accounts to fund their accounts instantly online using varieties of alternative payment methods. All available payment methods are customized to meet each location and regulations.

Multiple channel system engine that handles payment switches and interchange network between banks on a global basis. Contains 3W Sentry Security for AML /CFT compliance requirements.

Our licensed technology

Our licensed issuing and acquiring platform for closed and open loop payment systems featuring card and/or USSD/SMS mobile money transactions. The most complete PREPAID DEBIT global payment solution for digital transactions in multiple currencies.www.paymenex.com

Components of our payment network

SUPER AGENT

MERCHANT

AGENTS

SUPER AGENT

MERCHANT

AGENTS

SUPER AGENT

MERCHANT

AGENTS

SUPER AGENT

MERCHANT

AGENTS

SUPER AGENT

MERCHANT

AGENTS

SUPER AGENT

MERCHANT

AGENTS

CUSTOMERS CUSTOMERSCUSTOMERS

CUSTOMERS CUSTOMERSCUSTOMERS

• Money transfer program

• Bill payment program

• Virtual or traditional POS terminals

• Gateway certified by PCI and all other bank compliance regulations

• Mobile only Loyalty point program

• Payroll card

• Student Card

• Private labeled cards

• Gift card program…open of closed loop

• Security / fraud/ risk management

• Pin pads and mobile swipers for secure transactions

• Insurance Benefit cards

• Independent Kiosks/ATMs

• Non-profit fundraising card

Our Products & Services

VIRTUAL TERMINAL SECURE PINPADCELL SWIPER

Latest technologies for agents/merchants

PAYROLL DEPOSIT

BILL PAYMENTS

SEND MONEY P2P

SEND MONEY INTERNATIONALINTERNET

BANK ACCOUNT

TUYO AGENT

VOUCHER

LOADING UNLOADING

Circle of Payment Flow

• Brand independence from technology or bank (AmEx model)

• More inclusive than “mobile banking” (non-banked)

• As issuers, we capture the user relationship

• Also acquire transactions from other issuers or card programs globally

• Open loop with any bank allowing unlimited connectivity and settlement

• Can load eWallet from over 70 banks internationally

• Online purchasing on over 5000 online stores

• TuYo card…or issue any “white label”

• Regional consumer data archived

• Great vehicle for micro-insurance issuing and payment

• We can partner with banks who want to launch pre-paid debit programs

Our difference?

END GAME

• Establish market footprint in 21 countries within 2-3 years

• “TuYo” grows horizontally while domestic operating partners grow vertical

• Work with MFIs, Cooperativas and existing agency networks

• Fast and easy merchant/agent network for loading/unloading cash

• Reward users for keeping their money digital versus cash

• Banks win with billions on deposit without retail bank responsibilities

• Telcos become conduit throughout the Americas for digital transactions

• 3-4 year buyout or partnership with large financial institution or market aggregator

info@tuyopagos.com 813.369.5606 USAwww.tuyopagos.com