EFTA Document EFTA01377716

S-I/A Expand Globally • Expand our payments services into additional countries. We evaluate many factors when choosing to enter a new country, including market opportunity, technology adoption, and the regulatory environment. The payments landscape outside the United States is largely dominated by adherence to EMV chip-and-pin standards, which requires a purpose- built hardware pin pad. We believe software-based pin entry on a seller's mobile device is more secure, flexible, and affordable