NETE-01-2016-BASIC copy

Powering Global CommerceManagement Presentation

powering global commerce

www.netelement.com 2CONFIDENTIAL

This presentation is for discussion purposes only. All prices and rates referenced herein are indicative and subject to market conditions. The material isbased upon information that we consider reliable, but we do not represent that it is accurate or complete, and it should not be relied upon as such. Thematerial available in this presentation may contain forward-looking statements, which are subject to risks, uncertainties and assumptions. In some cases,you can identify these statements by forward-looking words such as “may”, “might”, “will”, “should”, “expect”, “plan”, “anticipate”, “believe”, “estimate”,“predict”, “optimistic”, “potential”, “future” or “continue”, the negative of these terms and other comparable terminology. Such forward-looking statementsare based on current plans, estimates and expectations and are made pursuant to the Private Securities Litigation Reform Act of 1995. Forward-lookingstatements are based on known and unknown risks, assumptions, uncertainties and other factors. The Company’s actual results, performance andachievements may differ materially from any future results, performance, or achievements expressed or implied by such forward-looking statements. Wedo not assume responsibility for the accuracy or completeness of any forward-looking statement and you should not rely on forward-looking statementsas predictions of future events. We are under no duty to update any of these forward-looking statements to conform them to actual results or revisedexpectations.

This presentation contains certain non-GAAP financial measures determined by methods other than in accordance with generally accepted accountingprinciples. Such non-GAAP financial measures include: general and administrative expense before non-cash compensation expense. Management usesthese non-GAAP financial measures to assess the performance of Net Element’s core business. Net Element believes that these non-GAAP financialmeasures provide meaningful additional information about Net Element to assist investors in evaluating Net Element’s operating results. These non-GAAP financial measures should not be considered as a substitute for operating results determined in accordance with GAAP and may not becomparable to other similarly titled measures of other companies.

Net Element | DisclaimerForward-looking statements. Use of Non-GAAP financial measures

!Overview


Net Element | OverviewEmerging as a leader in mobile payments and transactional services

$1.8B total bankcard volume processed for 2015

161M total transactions processed for 2015

90M mobile transactions processed in CIS for 2015

14MM+ total active customers in Russia

11MM+ online payments acceptance customers in Russia

3MM+ active mobile payment users in Russia

71M total bankcard transactions processed for 2015

₽24.5BBankcard volume

Russia

$1BBankcard volume

U.S.3M+Mobile

subscribers CIS

19.5MBankcard

transactions Russia

90MMobile

transactions CIS

51.5MBankcard

transactions U.S.

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Who is Net Element? Our Mission and Vision

• Emerging leader in mobile payments, transactional and value-added services

• Growth drivers: mobile commerce and value-added transactional services (“VAS”)

• Key differentiators: Our scalable operational infrastructure, commerce expertise, scalable mobile payments platform, world-class cloud infrastructure and emerging market presence

• Mission: We drive customer growth through our in-depth knowledge of transactional services and value-added service offerings which separate us from the competition

• Vision: We set the standard for mobile payments, online transaction acceptance, Person-to-Person (“P2P”) transactions and value-added service offerings with focus on creation of unified global transaction acceptance ecosystem

• Continued investment in our core technology and new product offerings

• Allocate resources and expertise to grow in commerce and payments segments

• Strategic acquisitions which complement our core strategy

• Focus on continued improvement and operation excellence

• Market is large and moving to where we have strength

• Global customer expansion and strong growth in payment acceptance

• Ride the wave of the growing mobile payments market: Deloitte predicted 1,000% growth in mobile payments in 2015

Who is Net Element?

We Have a Focused Strategy

Our Mission and Vision

Our Opportunity is Significant

Net Element | OverviewEmerging as a leader in mobile payments and transactional services


Net Element | OverviewProven Management Team

Oleg FirerCEO and Director

• Award-winning entrepreneur• Financial services executive• Co-Founder, Unified Payments

• Seasoned legal executive• Member of the Massachusetts

Bar Association

• CFO of NETE since 2008• Certified Public Accountant with

over 25 yrs. experience

• Seasoned software developer• Expert at creating and

implementing technology

• Over 20 years of experience in the financial services industry

• MBA, BS, Banking and Finance

• 15+ years experience in payments industry

• Co-founder, Unified Payments

Steven WolbergChief Legal Officer

Jonathan NewChief Financial Officer

Andrey KrotovChief Technology Officer

Dmitrijus ApockinasChief Operating Officer

Vlad SadovskiyPresident, Merchant Services

Shawn BrownVP, Risk and Underwriting

• Experienced risk manager and underwriting expert

• Previously with Payvision, Cynergy Data and Federated

• Track record in emerging markets • Experience in e-wallets, acquiring

and money redemption

• Financial services executive• Previously CFO of Groupon,

Russia, Svyaznoi, Rocket Bank

• Top-ranked, financial services executive. Founder of the Top 10 mobile payments company

Konstantin ZaripovCEO, Net Element Russia

Irina BukhanovaCFO, Net Element Russia

Mikhail ShabanovCEO, TOT Money

• More than 15 years experience in the IT segment.

• MBA and Master of Engineering

Marat AbasalievCEO, PayOnline

• 25 years payments executive• Introduced first of its kind

payments technologies to UAE

Suresh MenonCEO, Net Element GCC and India


Net Element | OverviewImpressive and Experience Board of Directors

The Board of Directors of Net Element (the "Company") sets high standards for the Company's employees, officers and directors. Implicit in this philosophy is the importance of sound corporate governance. It is the duty of the Board of Directors to serve as a prudent fiduciary for shareholders and to oversee the management of the Company's business. To fulfill its responsibilities and to discharge its duty, the Board of Directors follows the procedures and standards that are set forth in these guidelines.

Kenges RakishevChairman

• Noted global leader designated by Forbes as one of the 50 most influential people in Kazakhstan

• Chairman of the Board of SAT & Company (KASE: SATC), KazCom Bank and BTA Bank

David KelleyDirector

• Over 30 years of experience in investment banking, private equity and tax law

• Currently partner and/or director in several private equity funds and consulting firms

Drew FreemanDirector

• Accomplished industry veteran with more than 30 years of electronic payments experience

• Currently president of a payments consulting firm

William HealyDirector

• Accomplished industry veteran with more than 24 years of payments industry experience

• Spent 13 years at CIT Group (NYSE: CIT) as President of CIT’s Micro-ticket Leasing Division

James CaanDirector

• Accomplished actor and director for over 40 years

• Known for his role in “Middle Men”, a film about payment processing industry and Sonny Corleone in “Godfather”

Audit Committee$Nominating and Governance $Compensation Committee$

Audit Committee$ Audit Committee$Nominating and Governance $Compensation Committee$

Audit Committee$Nominating and Governance $Compensation Committee$

C

C

C

* Additional director: Oleg Firer, company’s CEO is described on a previous slide


Value-Added TechnologyProprietary Technology Drives Competitive Advantage

Proprietary technologies have increased efficiency, created scale and driven differentiation for Net Element

TechnologyTeam

Manages KeySoftware and

Services

SalesCentral

Mobile Platform

AptitoPaymentBrowser

PaymentsPlatform

§ Sales Central – Provides real-time, comprehensive reporting on merchants and sales partners. Workflow system automatically moves new merchants through operational departments

§ Payments Platform – Omni-channel transactional platform and mobile payments billing system makes payment solutions possible across multiple channels and markets

§ Mobile Platform – Proprietary direct carrier billing platform provides monetization tools to Mobile Network Operators by introducing WAP-click, internet click and SMS payments

§ Aptito – Next-generation, patent-pending payments platform, which creates an online consumer experience into offline commerce environments

§ Payment Browser – Our unique, Internet browser-based software platform allows rapid integration of secure, payment processing services into existing web application


Sales & DistributionStrong sales and distribution across multiple channels

01 NICHE VERTICALS• Niche Industry Expertise:

- Hospitality; Healthcare; Petroleum; Education; Emerging markets

• Portfolio of affinity partners, national associations and regional PTAs

• Penetration through value-added products and integrations

• Distribution: value-added resellers, agents, integrators, niche sales organizations, affinity partners

02

04 03CUSTOM SOLUTIONS• White label solutions for PSPs and

solution providers includes:- Full e-commerce solution with

customizable payments gateway

• P2P Payment module for payment systems and e-wallet solutions

• Distribution: integrators, aggregators, value-added resellers, payment systems, solution providers

DIRECT SALES• Sales Managers recruit and train

Field Sales reps to sell in their home markets

• Compensation is heavily weighted toward long-term performance

• Company’s exclusive products are sold through direct sales force, example: Aptito

• Distribution: entrepreneurs, merchant level salespeople, value-added resellers

INDIRECT SALES• International footprint• Exclusive programs• Innovative compensation plans• Online and on-the-go merchant

boarding process• Comprehensive boot camp

training

• Distribution: independent level sales agents, independent sales organizations, value-added resellers


Focus on Big DataOverall Benefits of Big Data

Improve customer service and experience

Increase access to relevant information and services Personalize services Move to ‘pull’

relationship

Customer benefits

Business benefits Improvements in:• Customer targeting• Customer experience• Word of mouth connections

• Cross-/up-sell abilities• Frequency of contact with

existing/potential customers

Reduction in:

• Cost of sale • Customer service costs

Improvements in:

• Customer loyalty• Transparency

• Employee/Customer interaction• Marketing effectiveness

Improvements in:

• R&D capabilities• Innovation• Data sharing

• Connectivity with other organizations

Increase revenue

Improve brand reputation

%Stimulate innovation

&

6Reduce costs [

Merchant and Cardholder Database, yields a strong pool of leads. Contains millions of unique merchant and cardholder records, organized / filtered by geography, merchant category and expected risk / profitability profile. Integration with CRM system enables multi-brand strategy.


• Less mature than the U.S. market in traditional payments acceptance• More advanced than the U.S. market in alternative payments and mobile payment acceptance• Few independent payment processors have successfully entered CIS• Net Element has already achieved leadership positions in the market

Underserved,Highly

AttractiveMarket

AttractiveMerchant Portfolio

Dynamics Leadto Higher Profitability

Strong,GrowingFootprint

• Higher margin per merchant• More profitable mobile and alternative payments product offerings- Premium SMS, WAP-click, in-app purchases, mobile wallets, P2P transfers

• Significantly lower attrition• Payments-as-a-service offering without the need to switch acquiring bank relationships

• Enormous initial success and continued growth opportunity• The Company is focused on allocating additional attention to the region• Expanding its Aptito mPOS offering to the region (Q1 2016)

Focus on a Growing MarketGrowing CIS business provides foothold in attractive market

Large, relatively untapped market has become a significant focus on Net Element’s strategy, resulting in a triple digit percentage growth year over year and an achievement of a leadership positions in the region


Growth Drivers | Focus on 3 areasCombination of All Devices and Technologies for Multi-channel payment acceptance

Mobile PaymentsDirect Carrier Billing Point of Sale Solutions

Payment AcceptanceValue-Added Transactional Services

GROUP

11 million+ onlinepayment acceptancecustomers

3 million+ recurringmobile payments users

90 millionmobile transactionsprocessed in 2015

71 millionbankcard transactionsprocessed in 2015

§ Mobile Payments- Carrier integrated solutions- Premium SMS- In-app purchases- WAP/Internet click payments

§ Point of Sale Solutions- Cloud-based mPOS solution- iOS-based self-service kiosk- Digital menu

§ Payment Acceptance- Proprietary platform- Retail POS acceptance- Card not present acceptance- Mobile payment acceptance- Multiple payment methods- PCI DSS Level 1, SSL 3.1 Security

161 milliontransactionsprocessed in 2015

TRINITYPLATFORM


Growth Drivers | One-Stop SolutionBringing Together the Best Payment Solutions

11 million+ onlinepayment acceptancecustomers

3 million+ recurringmobile payments users

90 millionmobile transactionsprocessed in 2015

§ Complete SolutionCombines e-commerce, retail POS,comprehensive back-office tools,mPOS, credit scoring and customerinteraction in one powerful technology

§ IntegrationAPIs and connectors allow integrationand customization. Our tools allow foreasy integration and our SDK toolkitfor building native apps for our omni-channel platform

§ Enabling Global CommerceOur payment infrastructure andservices are globally oriented, butadapted to each country’s uniquerequirements

OMNI-Channel Processing

w O ' S ( ) " * E + , - c

Merchant

MerchantAccount

PaymentGateway

RiskCompliance

.ConsumerAccount

CardIssuing

"

Consumer

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100+ PAYMENTSOLUTIONS 2 WITH

2 1 Integration APIs2 1 Back Office2 1 Settlement2 1 Dedicated Team

71 millionbankcard transactionsprocessed in 2015

161 milliontransactionsprocessed in 2015


Growth Drivers | New TerritoriesInternational Development on High Potential Markets

U.S. Canada

UnitedKingdom

Russia

Czech Republic Asia-

Pacific

GCC*

Kazakhstan

European Union

Kyrgyzstan

Tajikistan

, ,

,

,

,

, ,

,

,

,,North America Market Strategy• Expanding distribution• New products and services• Focus on value-added offerings• Technology leverage• Geographic expansion

Emerging Market Strategy• Emerging markets• Expanding distribution• JV/Acquisitions• New products and services• Market penetration• Operating leverage


Growth Dynamics | United StatesUnited States Merchant Strategy

United States51.2 million bankcard transaction in 2015 (45% year-over-year growth in transactions)

• Over 10,000 SME merchants

• Processed over $1 billion transactions in 2015

• Avg. annual revenue $1,800 per merchant

• Average upfront Cost Per Acquisition $228

• Increased revenue per merchant for value added services $240 per

annum

Features: Apple Pay; Android Pay; NFC enabled; Mobile card readers; Secure & reliable; 24/7 serviceValue-add services: shopping cart; rewards and loyalty programs; back office tools; inventory management; credit scoring; analytical dashboard

Partners include top brands


Growth Dynamics | Commonwealth of Independent States (CIS)Mobile Payments Strategy

Russian Federation and CIS90 million mobile transaction in 2015(106% year-over-year growth in transactions)

• Over 3 million recurring mobile payment users

• Over 100 content providers use our services

• Ranked as #1 SMS content provider in Russia

• Average subscription annual billings ~$12 per user

• Mobile payment users increased by 300% year-over-year

Features: Premium SMS; Direct operator billing; WAP automated phone; Web billing; in-app billingValue-add services: content management gateway; SMS gateway; API integration; short code number procurement; analytical dashboard



Growth Dynamics | Emerging MarketsOnline Payments Strategy

Emerging Markets19.5 million online transaction in 2015(36% year-over-year growth in transactions)

• Over 11 million online payment users

• Over 3,000 merchants in CIS, EU and Asia

• Ranked as #1 IPSP in Russia with 30% market share

• According to Forbes, 20% of leading online merchants in Russia are

clients of PayOnline

• Approximately 40% of revenue is in EUR€ / US$

Features: E-commerce gateway; E-wallet; Mobile in-app payments SDK; PCI DSS level 1 security; P2P transfersValue-add services: shopping cart; GDS’ merchant plug-in; fraud monitoring; back office tools; credit scoring; BIN and IP scrubbing; analytical tools



Our Clients | Center of Our SuccessGrowing Portfolio of International Clients

According to Forbes, 20% of leading e-Commerce merchants in Russia use Net Element’s PayOnline platform to accept payment transactions in Russia, Europe and Asia.

3Our suite of products & services makes us stand above the rest

Products & Services


Success is in Our HandsCompetitive Advantages

3

Y4

5

%Focus on Technology

Focus on Payments-as-a-Service (“PaaS”) model enables Net Element to continuously develop innovative

technologies and look for opportunities to incubate or acquire

innovative and disruptive technologies.

3Innovative Solutions

All-in-one, payment solution that supports a wide range of applications through a singe robust platform, allowing global on-boarding and support for multiple payment methods.

YDisruptive Product OfferingsDisruptive products offering is an innovation that helps create a new market and value for merchants and the payments eco system, and eventually disrupts an existing market.

4Aggressive Sales Strategy

Through proven aggressive sales strategy we are able to put maximum money to work to achieve quick results through aggressive and innovative sales incentives.

5Eye on Emerging MarketsThe spread of mobile technology in emerging markets is a driving catalysts behind

payments. Net Element is strategically positioned to take advantage of this global trend.

%Focus on Technology

Focus on payment-as-a-service model enables us to continuously develop innovative technologies and look for opportunities to incubate or acquire innovative technologies.

Powering Global Commerce. Now that everyone owns a smartphone, technology’s advances will be imperceptible. Net Element is positioned to take advantage of the changing retail commerce, growing electronic commerce and emerging mobile commerce by introducing innovative and disruptive technologies that will change the world of global commerce.


Payments from Start to FinishRobust payments-as-a-service (“PaaS”) offering

Net Element Platform reduces the payment integration time for merchants and SaaS providers to just a few minutes with its PayOnline service. Easy, easier, easiest: PayOnline simplifies complex payment integration when using APIs and makes the laborious task of adapting payment processes to a thing of a past.

6In-App PurchasesPayment forms and ready-made checkout processes and screens can be flexibly built upon our framework, which ensures secure transaction processing.

%AdministrationOur Payment Platform addresses the challenge with a fully automated solution that handles everything from administration to configuration.

|Business AnalyticsAnalytics tools put a wealth of data at your fingertips. Smooth, seamless visibility across all types of commerce.

Complete SolutionCombines e-commerce, offline POS,

comprehensive back office tools, mPOS, credit scoring and customer interaction all in one powerful PaaS

technology.

IntegrationAPIs and connectors allow

integration and customization. Our tools allow for easy integration and our SDK toolkit for building native

apps for Net Element platform.

7

8

wEnabling Global Commerce

Our payment infrastructure and services are globally oriented, but adapted to each country's unique

requirements.

Cloud Platform for everyday commercePLATFORM

PayOnline(Integration Service)

Bills

Applications

iOS

Android

Credit

EMV

POS

mPOS

Debit

ContactlessPin Pad

Online

IVR

Offers

Loyalty

SMS

Offline

Peripherals

Analytics

AR

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public Tresponse GetResponse (string requestUrl Func <Stream,

Tresponse> responseAction<WebRequest>

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OUTPUT

NFC

Devices / APIs Copy & Paste Code

3


Mobile PaymentsQuick, Secure Payments. Anytime. Anywhere.

The Future is Mobile. Smart phones are widely expected to have a significant impact on the electronic payment industry because they fill an immediate and strong need to move everyday transactions from cumbersome cash to cards and other forms of electronic payments.

OMobile POSMobile Point-of-Sale (mPOS) has become a major component of many merchants’ retail strategies, driving innovation in mobile payment methods and mobile payment

security.

Mobile Card ReadersMobile card readers offer the highest level of security, reliability and performance. Our readers are compatible with more mobile devices than any other reader on the

market.

"

ReliableAll-in-one digital solution. Cloud-based solution that is accessible from anywhere at anytime. All applications are linked for seamless and effective way of doing business.

9SecureSimplifying security. End-to-end encryption of cardholder data upon swipe. Tamper

resistant hardware ensuring reader integrity.

%24/7 ServiceGreat Service, great support. Our operation is the right size for your operation.

Unlimited access to a robust reporting and over the phone support.

4


Mobile CommerceCharge for Services by SMS, WAP, Phone or Web

Join Mobile Revolution. We offer targeted billing solutions via P-SMS, Direct Operator Billing, WAP automated phone, and online via credit card. All in one place. Leverage our Direct Operator connections to multiple countries. Target millions of mobile and web users around the world with TOT Money global mobile billing solutions.

:Mobile Billing

m-Commerce. We provide online billing and precise mobile billing solutions for use in m-commerce. Credit card, SMS Payments, WAP Billing, and other mobile payment

options.

Mobile MessagingWe make SMS messaging easy. Use our ready-made solutions or your own

applications for quizzes, SMS Bulk messaging and more. Messaging powered by our unique platform.

;

Mobile CampaignsMobile marketing. Our mobile campaign tools allow for the delivery of scalable

mobile solutions. Deliver your campaigns with Mobile Marketing..

9SecureSimplifying security. End-to-end encryption of cardholder data upon swipe. Tamper

resistant hardware ensuring reader integrity.

%24/7 ServiceGreat Service, great support. Our operation is the right size for your operation.

Unlimited access to a robust reporting and over the phone support.

Y


All-in-One Digital POS SolutionImprove the Overall “Customer Experience” for Your Guests and Save Money on Labor and Costs at the Same Time

Restaurant POS System for the Digital Age. Aptito is a next generation cloud based iPad POS system for restaurants, bars, Snack bars and catering: It’s accessible from anywhere at anytime! Easy to use point-of-sale system makes things easier by providing everything you need to help streamline the management and operations of your business.

sVisual POS SystemIngredient of the future. Aptito’s Apple iPad-based POS solution includes

everything that your business needs to streamline its management and operations.

Mobile OrderingOrdering on the go. Allow your customers to order directly from their mobile

devices, tablet and the web. Works seamless with Aptito mPOS.J

Digital MenusBring your menus to life. Digital menus are deployed at the POS and available for

download on personal tablets to provide a self-help solution that drives sales.

5Menu PopularityKnow what sells. View menu items, filtered by categories and ranked by volume

sold to gain quick insights that you can use to improve your menu performance.

∞High-Speed OrderingTableside Ordering. Orders placed tableside by customers directly speed up the process and improve overall efficiency. Aptito's system provides portability to your

staff while performing all the same functions as a traditional POS system, and more!

<


Tabletop iPad Menu & Kiosk SolutionTransformation of Point of Sale to Point of Interaction

Simplicity and Easy of Use. Restroactive’s easy to use mobile menus and kiosks allow you to redefine your restaurant without changing the way you do business. Now you can seamlessly add on to you existing legacy POS system and increase your bottom line with more sales, faster table turnover, improved menu management and reduced labor costs.

<Mobile MenuBring your menus to life. Enhance the customer experience and make a lasting

impression with our fully customizable digital menus.

Mobile OrderingOrdering on the go. Allow your customers to order directly from their mobile

devices, tablet and the web. Works seamless with Aptito mPOS.J

Stand Alone KioskSpeed of Ordering. Faster table turnover during peak hours, fewer mistakes &

reduced strain on your staff during busy peak hours.

5Menu PopularityKnow what sells. View menu items, filtered by categories and ranked by volume

sold to gain quick insights that you can use to improve your menu performance.

∞High-Speed OrderingTableside Ordering. Orders placed tableside by customers directly speed up the process and improve overall efficiency. Aptito's system provides portability to your

staff while performing all the same functions as a traditional POS system, and more!

O

Current Integrations

Integration ready for over 500,000 restaurants


Global Online Payments SolutionCentralized Global Payments Acceptance

More payment options. Simpler integrations. Stronger security. Global proficiency. Our next-generation online payment gateway solution allows access to the safest and most reliable online shopping experience while increasing revenue, reducing cost and minimizing risk for merchants.

JOne-Stop-Shop SolutionsGlobal Payments Platform. Unified back-office; fraud management and settlement,

e-commerce and mobile in-app SDK available for single integration.

True Global CommerceBringing together the best payment solutions. Over 100 payment methods in 50

countries available for true global commerce. Accept traditional and alternative payment options.

w

SecurePowerful & Secure. Set customized risk preferences to control which transactions

are automatically approved or declined with powerful fraud mitigation tools.

iHosted CheckoutAdd payment acceptance to the website. Hosted, customizable checkout pages

that securely collect sensitive billing information. Integrate with a broad range of shopping carts.

=Recurring Billing

Support recurring, subscription and installment payments. Consolidate one-time and recurring payment processing on a single platform.

9


Third-Party e-Commerce IntegrationsBuilt for multi-vendor environments. Connect. Process. Innovate.

The world's best commerce portfolios are never limited to just one vendor. Most enterprise customers have unique requirements when it comes to integrating software and systems. Rarely does the “one size fits all” approach yield the results required to build and grow a customer-obsessed business. A great e-commerce ecosystem should never be limited to just one vendor. That’s why we make it easy to connect PayOnline to a wide range of third-party commercial and open source software.

+Enable Sales in your AppsPayOnline SDK will simplify your approach to mobile payments. Your consumers can seamlessly and securely make their purchases right from your website or a mobile app.

8Implement with EasePayOnline SDK is engineered to connect your apps and web to the new payment solution in the fastest and easiest way possible. With just a few lines of code, you are on your way.

7Payment Software Developer Kit (SDK)Our Payment SDK helps developers integrate to the PayOnline platform by building in the required technical specifications and compliance elements, thereby reducing coding time and effort, while giving you the tools to innovate new solutions. Our SDK libraries for instant integration are available on the following technologies: .NET, PHP, Windows Universal App, Node.JS and iOS.


Payments in the Offline WorldPowerful Point-of-Sale Terminal

Feature packed point-of-sale terminal. With 192 MB of internal memory, and transaction speeds as fast as 2 seconds the solutions are among the top in its class. Driven by the open architecture of its Linux OS and embedded SQL, our point-of-sale terminal delivers the added value and revenue generating differentiation including the wide variety of Value Added Systems and Managed Services that increase merchant offering and retention.

)Near Field CommunicationNFC is currently built into all of our terminals. Weather its Apple Pay, contactless cards or Android-based NFC payments our devices accept all contactless payment types.

+Rewards & LoyaltyOffer multiple retention programs ranging from the simple 'punch card' to the sophisticated 'spending based' programs - as well as pre-paid/gift cards.

cCall-Me ButtonMerchants don't have to call and wait for customer service or try and determine the right number to call... Press F4 from the terminal and fast, efficient, well trained help is on the way.

Powerful POSThe V Plus series adds contactless

and NFC readers to enable tap and go, EMV cards and NFC to mobile

devices. Dual communication delivers redundancy.

Value-Added ServicesAdd a service to POS terminals on the fly, notify merchants of a new

program, provide cash advance balance and top ups, API interfaces

to third parties software.

>

8

9Security

V series terminals are equipped with PCI PED, EMV L1, L2, PTS and TQM security, providing merchants

with extra layers of security at the point of sale.


Business AnalyticsInformation, Analytics & Reporting

Make smarter decisions with business analytics. Our Information, Analytics and Reporting solutions empower merchants to utilize payment data and analytics to manage and grow their business. The UP Insight Solution uses transactional data, online reputation management and social media to help identify sales trends and seize opportunities for growth.

?Merchant ReportingInformation at your fingertips. From merchant statements and alerts to online portal and dashboard, we offer comprehensive reporting solutions for merchants of all sizes.

@AlertsInformation is power, we bring a proactive, convenience-oriented approach to notifying our merchants of time-sensitive reconciliation and dispute events.

AChargeback ManagementChargeback system offers full cycle management, from retrievals to arbitration, all from a single interface, thus enabling faster resolution at all stages in the dispute process

Transactional DataReal-time insights. Measure your

credit and debit card revenue, transactions, and average purchase

size over time.

Online ReputationSee what others see. Monitor your

online reputation, ratings, and reviews on top sites where your

customers comment on your business.

B

%

CSocial Media

Stay in touch with your clients. Track your Facebook and Twitter

activity, identify your newest fans, and see who is engaging with your

social media pages.

;

Q&AQuestions & Answers

Net Element provides global solutions for mobile payments, online payments and value-added transactional services

Net Element, Inc.3363 NE 163rd Street, Suite 705North Miami Beach, FL 33160

' +1 305-507-8808D +1 786-272-0696

[email protected]

Documents

NETE-01-2016-BASIC copy