SMB ENTERPRISE SIGN IN CONTACT SALES As a payment platform, we know that you’ve put your most sensitive business in our hands, which is why we do everything possible to be the safest and most secure platform available. As a regulated entity we are obliged to follow the strictest security practices, but on top of that, we have made additional investments to ensure that security of our customers’ funds and data in always our top priority. Furthermore, we have implemented the most robust controls and, in building relationships with financial leaders, we protect your earnings and provide you with the safest and most secure platform to hold your funds. TRUSTED BY THE WORLD'S LEADING DIGITAL BRANDS .rounded-icons.licensed-and-regulated-10 .cls-1{fill:#fff;}.rounded-icons.licensed-and-regulated-10 .cls-2{fill:#ff4800;}.rounded-icons.licensed-and-regulated-10 .cls-3{fill:none;stroke:#ff4800;stroke-miterlimit:10;} PAYONEER IS LICENSED AND REGULATED BY MULTIPLE GOVERNMENT REGULATORS As a regulated financial institution, customer funds that are managed by Payoneer are kept in segregated, safeguarded accounts by legal requirement. Your funds are: Held at low-risk financial institutions Always liquid Never loaned out Never impacted by corporate operational activities Our core obligation at Payoneer is to protect your funds and prevent money laundering. As a regulated entity, we provide multi-jurisdictional compliance assurances to your business. When partnering with us, you can be assured that all your payee disbursements are made through a fully compliant, secure and tightly audited payments platform that is recognized by financial regulators all around the world. MULTI-JURISDICTIONAL LICENSES Payoneer Inc MSB Registration No. 31000110323072 Registered Money Services Business (MSB) and prepaid access provider with Financial Crimes Enforcement Network (FinCEN).Licensed Money Transmitter in 51 states and territories. Payoneer Europe Limited Payoneer Hong Kong Limited Payoneer Japan Limited Payoneer Australia Limited Payoneer India 51 U.S STATE / TERRITORY LICENSES 5 ADDITIONAL GLOBAL LICENSES WHAT ARE SUSPICIOUS ACTIVITY REPORTS (SARS) AND WHAT IS THE ROLE OF FINCEN? Suspicious Activity Reports (SARs) are highly confidential filings that are made to FinCEN by banks and other financial institutions concerning activity that they consider to be potentially suspicious. FinCEN is the Financial Crimes Enforcement Network, a bureau of the United States Department of the Treasury. Payoneer is a Money Services Business (MSB) registered with FinCEN and as such is required to comply with the Bank Secrecy Act (BSA) and other relevant Anti-Money Laundering (AML) laws and regulations applicable to MSBs in the U.S. Payoneer files SARs on a regular basis as part of its regulatory responsibility to help improve the security of the platform, its customers and the safety of their money. SARs are not, on their own, an indication of wrongdoing. All payments processed through Payoneer are made through a fully compliant, secure and tightly audited payments platform that is recognized by financial regulators all around the world. Payoneer operates globally, is regulated in a number of jurisdictions, and its compliance record speaks for itself. FinCEN has conducted an audit of Payoneer in which it delivered a completely clean bill of health with zero findings. SARs do not lead to any presumption of guilt, and the FinCEN clean audit provides evidence that Payoneer’s compliance program meets the standards expected of it. Furthermore, Payoneer uses quality external auditors from top 4 global firms that are complementary of its compliance program. Payoneer’s compliance program meets the highest standards of integrity and accountability in a very highly regulated and closely scrutinized industry. .rounded-icons.banking-1 .cls-1{fill:#fff;}.rounded-icons.banking-1 .cls-2{fill:#ff4800;}.rounded-icons.banking-1 .cls-3{fill:none;stroke:#ff4800;stroke-miterlimit:10;} OUR INFRASTRUCTURE IS BUILT ON LEADING GLOBAL BANKING PARTNERS By working with a network of the largest and most stable banks around the world, we have built an industry-leading infrastructure, designed to keep your funds safe. Our Risk Committee reviews risk rates and manages where customer funds are held – ensuring that if any institution has risk we will move the funds to safer banks. By putting your trust in Payoneer, you not only get the benefits of a diversified bank portfolio that you wouldn’t necessarily be able to access on your own but also the most sophisticated risk management oversight in the industry. Your stability is our priority. OUR PARTNER BANKS INCLUDE: .rounded-icons.investors-2 .cls-1{fill:#fff;}.rounded-icons.investors-2 .cls-2{fill:#ff4800;}.rounded-icons.investors-2 .cls-3{fill:none;stroke:#ff4800;stroke-miterlimit:10;} PAYONEER IS BACKED BY TOP INVESTORS Founded in 2005, Payoneer is truly a pioneer of the fintech space, building a profitable unicorn with a truly global footprint. We have built a platform over the past 15 years under the leadership of top executives and with the backing of leading investors, including some of the largest and most prestigious firms in the world. Our Board of Directors features figures like ex-VISA president and Citibank executive Hans Morris and ex-SWIFT CEO Lazaro Campos. With their guidance we are committed to building towards the future with safety and security at the core. OUR INVESTORS INCLUDE: .rounded-icons.audited-4 .cls-1{fill:#fff;}.rounded-icons.audited-4 .cls-2{fill:#ff4800;}.rounded-icons.audited-4 .cls-3{fill:none;stroke:#ff4800;stroke-miterlimit:10;} PAYONEER IS AUDITED FOR FULL TRANSPARENCY Payoneer’s financial statements are audited annually and reviewed quarterly by PwC ensuring the highest level of oversight. Furthermore, our internal compliance program is reviewed by world-class compliance audit firms. External audits concluded no material weaknesses found 99% of total global balance has ratings of 'investment grade or better' PCI DSS level 1 certified SOC 2 Type II assessment conducted by independent audit firm in accordance with American Institute of Certified Public Accountants OUR AUDITORS INCLUDE: .rounded-icons.hackers-6 .cls-1{fill:#fff;}.rounded-icons.hackers-6 .cls-2{fill:#ff4800;}.rounded-icons.hackers-6 .cls-3{fill:none;stroke:#ff4800;stroke-miterlimit:10;} KEEPING PAYONEER ACCOUNTS SAFE FROM HACKERS Over 4 million customers worldwide rely on us to manage their cross-border payments and help grow their businesses. Your account’s security is our top priority, and with our multi-layered approach you can feel confident that your account is safe: 2-Step Verification Payoneer uses 2-step verification to help ensure that no malicious actors are able to break into your account. 2-step verification adds an extra step to certain account-related activities by sending a code to your mobile device or via phone call, which you’ll need to enter in before you can continue navigating through your account. CAPTCHA requests RSA Adaptive Authentication Account Takeover Prevention Risk Model and Behavior Profiling At Payoneer we invest substantial time and resources in the latest security protocols and technologies to keep your Payoneer account and card secure. It is our highest priority to create and maintain a secure environment so you can access your account and manage your financial transactions with complete peace of mind. Data Protection Payoneer uses 2-step verification to help ensure that no malicious actors are able to break into your account. 2-step verification adds an extra step to certain account-related activities by sending a code to your mobile device or via phone call, which you’ll need to enter in before you can continue navigating through your account. Preventing Fraud and Scams Email Notifications about Card Usage .rounded-icons.tips-8 .cls-1{fill:#fff;}.rounded-icons.tips-8 .cls-2{fill:#ff4800;}.rounded-icons.tips-8 .cls-3{fill:none;stroke:#ff4800;stroke-miterlimit:10;} TIPS FOR PROTECTING YOURSELF ONLINE Security of Your Computer Prevent Malware Infections: To defend against viruses, malware, and other online threats make sure to keep your security software, your operating system and browsers updated and current in order. Always remember to also set automatic updating if available. Maintain Strong Passwords: The best passwords are long and contain letters, capital letters, numbers and certain symbols in a sequence that do not form a word. Do not use the same password for other accounts. If you keep a written record of your passwords, keep them away from your devices and store in a safe place. Use Anti-Virus Software: Use trusted anti-virus software, and keep it up-to-date. Public Log-In Guidelines Password for Your Payoneer Account Password Protection Standards Phishing Emails Good Habits for Payoneer Card Security .rounded-icons.mobile-app-7 .cls-1{fill:#fff;}.rounded-icons.mobile-app-7 .cls-2{fill:#ff4800;}.rounded-icons.mobile-app-7 .cls-3,.rounded-icons.mobile-app-7 .cls-4,.rounded-icons.mobile-app-7 .cls-5{fill:none;}.rounded-icons.mobile-app-7 .cls-3{stroke:#ff4800;}.rounded-icons.mobile-app-7 .cls-3,.rounded-icons.mobile-app-7 .cls-5{stroke-miterlimit:10;}.rounded-icons.mobile-app-7 .cls-5{stroke:#f04c23;} USING THE PAYONEER MOBILE APP SAFELY Protecting Your Mobile Device Maintaining physical control of your device is the primary level of protection. Keep it updated, as operating systems and applications provide patches and fixes for even the most recent security issues. Use a passcode or PIN to protect your device and data. Install and enable remote wipe features so that, if your smartphone is stolen or lost, you can remotely wipe it clean of any of your personal information or access to your mail. Lock your phone and allow it to re-lock after 30 seconds or so of inactivity. Use trusted Wi-Fi networks. Connecting your device to unknown wireless networks can potentially expose your data. Turn off Bluetooth, Wi-Fi, NFC (Near Field Communication) and other connections when they’re not being used so they cannot be used to access your device. Don’t jail break or root your smart phone or tablet. Be aware that jail breaking or rooting your device may expose your device to malicious software. .rounded-icons.fraud-1 .cls-1{fill:#fff;}.rounded-icons.fraud-1 .cls-2{fill:#ff4800;}.rounded-icons.fraud-1 .cls-3{fill:none;stroke:#ff4800;stroke-miterlimit:10;} REPORTING FRAUD Suspecting Phishing Attempts or Other Suspicious Emails If you receive a suspected ‘phishing’ email, spam, or other suspicious emails claiming to be from Payoneer please do not click on any links or answer it. Instead, forward it to our customer support and a Payoneer representative will get back to you as soon as possible. When you forward the suspicious message, add the phrase “Suspected Phishing Email” to the subject. Contact Us Ready to work with the most trusted payments provider? 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