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UK: Checkout/ Stripe worldpay

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DaCH: Adyen Stripe Checkout

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netherlands: adyen checkout worldpay

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CEE: stripe braintree viva wallet and payu

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verticals: worldpay travel

retail: Adyen and worldpay

France: Mollie

anel: worldline (DACH)

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UK: Barclays

Spain: Stripe/ Adyen worldine

Commercial Global payments and pay comet

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Travel: Shift 4 mentioned a few times currently work with air baltic / recruitment drive / also have redundancies

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Unlimit: trying to go broader (UK)

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PayU

Unlimit: new entrant

Adyen

Stripe

Worldpay

Barlclays

Checkoiut

Evalon

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Checkout: Nuvei "undercutting" the market

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Worldpay: sell on price vs nuvei

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Pitching us a "shady" high risk provider

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Brand: High Risk/

Products: how we group them together

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Worldpay: account management set up that they use to undercut Nuvei

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Adyen posted recently as we build not buy

Developer first

Stripe: positiions themselves as compan for developers

Adyen building and continue and execute fast

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Travel: we work with our merchants more

risk/ reserve/ fixed sum/ more adaptability.

Commercial: More open conversations with merchants about how we can support rolling reserve/ insurance/

Cpanel - one consolidated

APMS- are attractive to merchants

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Our speciality is mid market companies - we take them on the payment journey

help them go global

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Partnerships we are aligned with help Nuvei get to front of line. Payment Orchestraters etc.

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Support exotic countries - nigeria / etc.

value to the customer coutnries not normally supported.

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Approval rates in certain verticals like financial services are better (Optimisation suite)

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highly regulated/ strict onboarding / scheme relationships /

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scheme relationships are v important

however we see more potential for r/ships

close rship on some

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leads from visa directly - share leads

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price: average/ everyone wants everyting fro free

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Price is cheaper in spain from some of the banks, low prices, Commercia and Paycomet and prices are very low.

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our boarding process more cumbersome than others, we ask more questions and go into more detail. extended due diligence process.

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Switching costs/ tech integration /fear of tech disruption/ romania specifically but also all markets.

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development merchant time - can be nuvei development time.

not having products ready in certain markets

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OTA: mid levels lot of tech outsourced on retainer/ pay on a retainer / merchant going to cost them money to get the right consultation

Also true in the mid market commercial world

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need a merchant to justify

3rd party integrations - doom loop -

lack partner integrations

doom loop: circular conversation - we dont have integration - chicken and egg convo.

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Objections: dont have apms end to end tested with existing customers

working on different platforms etc.

2-3 weeks or more to go live

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3rd party connections

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they dont know us

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we dont do gross billing

lack of vcc (virtual credit card)

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Stripe seem to be solid in VCC

Marketplace/ platform: omni channel - adyen uk

Stripe: subscription and digital services have cornered that quite well

all we can offer is a standalone terminal no epos connections.

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local support and french language support business dev. local documentation - needs to feed across everything SNCF

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flexible

creative :)

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relationships - with merchants themselves

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our country coverage - solution available in a lot of countries

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brilliant sales team!!

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subject matter experts

we understand the vertical/ business sector

what they actually do- helps

operational support teams/ all teams understand customers business

travel: better than stripe at understanding verticals /

worldline and worldpay - airline acquiring space - 4 main players globally.

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Customer feel comfortable there is a seat at the table - more support than stripe

APM on roadmaps

To understand payments globally and help them on their journey

Access to C Level and Exec level

High end t2 / t1 customers

like the access to senior management

adyen execs not able to cover as much

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VCC virtual credit cards

Marketplaces: comparatively to stripe not the same - not in the same ballpark

Limited POS capabilities

Technical connections in mobility space

Mobility: ticketing/ retail

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if we are the payment company that can offer apms - we need to do more thought leadership on apms.

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postiioning ourselves as an APM specialisat - top 20 with all features- what are the key questions

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F1 -- has helped

Ryan Reynolds --

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positioning mid market specialisits - share the same values and growth ambitions

emotionally aligned --

challenger in the market

mutually enjoy the success/ journey

global but act local

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1. Narrative brand / new narrative

2. Corporate overview

3. Regional focus and verticals

4. We are good at approval rates and opt suite - we dont communicate that to the market - key differentiator - optimisatiojn suite -

5. how do we position our products -

6. Product focused marketing externally

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stable coins - big talking point in the market

reseller partnership coming up

stable coins for settelement for australia

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need to talk more about the thought leadership piece in the market

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we could do alot of machine learning for approval rates and how we use AI internally

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retail / winback market - we struggle with this

number of retailers shifting towards a mplace model - reducing their cost base and selling more.