Novatti (ASX:NOV) is a leading digital payments company that enables fast, simple, and secure payments. Transactions Leveraging world-leading payment technology. Novatti provides compliant: • Digital wallets & vouchers • Cross-border transfers • Overseas bill payments Novatti’s settlements are low cost and help save you time on reconciliation. Fintech Novatti’s award-winning in-house technology provides fintech solutions to meet most needs. Established capabilities include: • Digital payments incubation • Platform to digitise & manage financial transactions • Tokenised & digital wallet management Partnering with Novatti enables access to commercialised and compliant technologies that accelerate existing or new enterprise-scale solutions. Billing Novatti’s services automate complex and utility-scale end-to-end processes, including: • Billing • Collections • Subscription management • Embedded payments These services remove the complexity of billing and drive processes to get paid faster. Card issuing Novatti enables businesses to keep up with consumer demands to go cashless. As a Principal Issuing Partner of Visa, Novatti: • Issues virtual & physical prepaid cards which can be used across 38+ million locations and 176 currencies • Tailors to small or large clients with white-label solutions to provide businesses with an effective way to manage money Acquiring Businesses can accept payments from leading payment issuers including Visa, UnionPay, Google Pay, and Samsung Pay. Novatti’s digital services enable payments to scale and be received quickly and securely. The Novatti Group holds extensive regulatory licences including: • Australian Financial Services Licence (No 448066) • AUSTRAC (RNP100401875-001) as a Remittance Network Provider • Authorised Financial Conduct Authority e-money issuer in the UK • Registered as a Foreign Money Service Business in Canada • Member of the Australian Financial Complaints Authority (AFCA 33296)