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Investor Presentaiton

Our foundation: robust technology, risk and compliance infrastructure ●Payoneer Global Banking Infrastructure Smart Routing platform. • Redundancy in over 100 countries (1) • 100+ countries local clearing (1) Data & Machine Learning ⚫Lifetime value and churn prediction. •Fraud management and Working Capital underwriting models. CRM indicators and success measurement Risk & Compliance • Global SMB onboarding & underwriting • 300k+ applications monthly (2) •Unique risk management capabilities ● Payoneer • Global Operations Localized global account management Dozens of languages supported Scaled regional operations Regulatory Infrastructure •Regulated across key markets including US, Europe, Hong Kong, Japan, Australia(1) • Licensed MasterCard issuer • Comprehensive AML program Secure, Scaled Technology • Robust cybersecurity ⚫ API access across platform ⚫Accounting/ERP/Partner integrations 1.As of December 31, 2021. 2. Based on an average of monthly applications from January 2021 to December 2021. 8
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