Slides
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PCI Pal Capital Markets Day James Barham CMD 11th November 2025 CEO 0012 3456 7890 9870 John Muller 00:34
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Today’s Agenda Company, market & strategy overview James Barham, CEO PCI Pal product demonstration session Chris Fox , Snr Sales Engineer PCI Pal Cloud platform overview Mufti Monim, CTO Product strategy, roadmap, & vision Mufti Monim, CTO Alessandro Dalla Volta, VP Product Q&A session PCI Pal Team Post-event reception GTM model, Partner Eco-system overview Darren Gill, CRO Partner case study video THEME SPEAKER 2 Coffee Break
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Experienced Team with Track Record of Strong Execution 3 Senior Leadership Team
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Our Customers Partner Ecosystem What we do Three pillars of strategic growth To lead our market in cloud solutions For our solutions to be available to customers anywhere in the world Leveraging a sales model that by majority sells through channel partners Cloud Global Channel Simplified, Secure Payments for Business Communications 4 Enable businesses with a secure, frictionless payment experience Across all business communications: CCaaS, UCaaS, CPaaS Contact Centre, Voice, Chat, Social, Email, Conversational AI All interactions whether human or AI bot agents served Ensures compliance (PCI DSS & more) & data security While driving cost savings, revenue growth & improved CX & AX
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FY25 Highlights 5
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PCI Pal Product Overview – Today Omnichannel Payments Across All CX Interactions 6
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Three core products today covering all CX channels Human & AI Bot engagements Click to Pay Agent or bot sends customer a secure digital link Key to Pay Payment details are collected with secure DTMF masking Speak to Pay Speech recognition securely and accurately captures payment Hello! Can I help you? 7
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Sizable, Under- penetrated Market Opportunity 8
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Addressable Market As Stated Today £19.3 million PCI Pal ARR Jun -25 £70 million Est SecPay Vendor ARR £450 million ARR TAM for PCI Pal of current focus markets: Europe, NA, ANZ Est. 4.5 million agents handling payments £660 million ARR TAM for PCI Pal of global CC market today Est. 7 million agents handling payments Increasing opportunity with growing CCaaS market, broader CX mix & emergence of conversational AI Contact centre is the home of customer engagement, via any channel. Facilitating more conversations than ever before; supported by the CCaaS networks. 9
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Global Contact Centre Solutions Market CCaaS, CRM, Workforce Optimisation, Workforce Management, Data Analytics, Service Desk/ITSM, ID&V, Fraud, ConvAI, Agentic AI, Authentication, Speech Analytics, Knowledge Management, Quality Assurance, Speech Analytics, Dashboard & BI, Journey Analytics, Messaging, Call Recording 2033 - $180 billion Global Contact Centre Solutions Market Why is the contact centre solutions market growing? • Digital transformation: on-prem to cloud • CCaaS enabling access to solutions • Converged Omni-channel CX • Rising expectations from consumers • Hybrid & remote working acceleration • SME adoption of CX solutions • Conversational & Agentic AI & Automation • Regulatory & security evolution iMarc Cloud Contact Centre Market Report 2024 - Report & forecast 2024-2033 PCI Pal Exceptionally Well Positioned PCI Pal solutions integrated to partners that make up >70% of CCaaS market by revenue today 2024 - $30 billion Global Contact Centre Solutions Market 2024 - $6bn CCaaS Market 2033 - $40 billion CCaaS Market 10
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Market drivers for CX environments using PCI Pal Increasing regulation and security needs PCI Compliance, GDPR, risk mitigation Evolving digital payments landscape Customers demand: eWallets, BNPL, Open Banking, PayPal Evolving fraud risk landscape Identity, Authentication, Biometrics Procurement trend towards platforms CCaaS, UCaaS, CPaaS, & Services Orchestration Emergence of cloud communications CCaaS, UCaaS, CPaaS 11
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Transformation from Secure Payments Leader to Multi- Product Secure Engagement Platform 12
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Secure Payments Suite Click to Pay Speak to Pay Key to Pay Transforming from the leader in secure payments; into a multi-product secure engagements platform 99.999% platform uptime Patented connectivity methods >0.5bn interactions secured annually Over 130 Payment Service Providers Integrated CRM, ERP, EHR and Desktop Integrations Business Communications Agent Assisted Solutions Automated Solutions Market Leading Partner Ecosystem Analytics Agent-led CX & EX IVR, AI voice & chat bot payments
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Secure Payments Suite Click to Pay Speak to Pay Key to Pay 99.999% platform uptime Patented connectivity methods >0.5bn interactions secured annually Emerging Growth Space Proactive Fraud Management Secure Data Collection Identity and Verification Customer Authentication Custom erExperience(CX) Insights Compliance Security EmployeeExperience(EX) Over 130 Payment Service Providers Integrated CRM, ERP, EHR and Desktop Integrations Business Communications Agent Assisted Solutions Automated Solutions Market Leading Partner Ecosystem Analytics Agent-led CX & EX IVR, AI voice & chat bot payments Transforming from the leader in secure payments; into a multi-product secure engagements platform
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Growth Ambitions Ambition to achieve Rule of 40 within 3 years: Growth + Profitability Ambition to Grow PCI Pal (organically) to £50 million revenue within 5 years Profitable Growth Drivers More of the same: Expand the Partner Eco-system; Increase numbers of enterprise customers Top Quartile Customer Retention: Maintain GRR, create expansion opportunities within existing base Drive NRR >110%: Achieve this within next 2-3 years; expansion of core; cross-sell of new products Operational Gearing: Partner & customer self provision capabilities; digital only sales capability rollout; TTR Grow our TAM: Through deeper geographic penetration (US #1); Cost effective geo expansion; & product development 15
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PCI Pal GTM & Partner Eco- System Darren Gill CRO 0012 3456 7890 9870 John Muller 00:34
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From Strategy to Execution Translating our market vision into measurable growth through partners, regions, and customer success. 17
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Sales & Customer Success Leadership Darren Gill CRO Dom Newman VP Sales EMEA Mark Hertel Sadie SangsterRitch Caudill Tom Nicholls Customer SuccessVP Sales NA VP Partners VP Presales 18
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GTM & Sales Motion Smaller group of very large enterprise CCs (>1,000 agents) including HM Government , HMRC, Cox. Utilising targeted ABM to target more. Enterprise Direct PCI Pal is partnered with the majority of the CCaaS Gartner Magic Quadrant; market leading partner eco- system. Significant scale and reach. Partner Led Segment Sales Motion Agents Taking Payments Enterprise Direct/Partner 1,000+ Mid-market Partner/Direct 100 - 999 Commercial Partner 10-99 19
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Partner Ecosystem Integrated Partners CCaaS, UCaaS, CPaaS, Carriers, Conversational AI VARs, Payment Providers, BPOs Solution Providers TSBs, VARs, PSPs, Integrated CCaaS& Conversational AI Referral Partners Technology Partners Resellers Introducers 20
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Regional coverage NA largest addressable market, HQ for our global partners, enterprise targets UK mature and consistent, strong in local and central government EU growth opportunity ANZ springboard to broader APAC region 21
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Customer Drivers Partner Drivers Ease of doing business Embedded approach, white label option and ability to make it their own Tick the box on RFIs/RFPs(tenders) Increased wallet share& retention Payments & security expertise Conversational AI demand 22 Why PCI Pal? Born in the cloud Omnichannel, single platform Modern, lightweight integrations Fully outsourced, watertight compliance Agnostic and interoperable Improved payments experience Uptime and reliability
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Coffee Break 23
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PCI Pal Product Demonstration 24 Chris Fox Snr Sales Engineer, PCI Pal
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PCI Pal Product Demonstration 25
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PCI Pal Technology & Product Mufti Monim CTO 0012 3456 7890 9870 John Muller 00:34 Alessandro Dalla Volta VP Product
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PCI Pal Cloud Platform Cloud-Native and Patented Payment Solutions PCI Pal offers SaaS secure payment and data protection solutions across diverse communication channels such as voice, chat, email and conversational AI. Global Cloud Deployment The platform operates on AWS with regional instances across EMEA, North America, and ANZ, ensuring global compliance and availability. Reducing Compliance Scope Removing sensitive data from business environments reduces compliance risk while enabling seamless customer interactions. Market Leading Partner Ecosystem Unified APIs, certifications, and provisioning patterns that allow RingCentral, Genesys, NICE, Zoom, Talkdesk, Amazon Connect, Vonage, and 8x8 to package and repeat our solutions at scale and speed. Building on our Cloud · Global · Channel Strategic Pillars – By design, the platform delivers secure, frictionless payments across every business communications channel. PCI Pal EMEA London PCI Pal NA Toronto PCI Pal NA Charlotte PCI Pal Offices PCI Pal Cloud Zones Key Regional Patents PCI Pal ANZ Sydney 27
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Scalable, Reliable, High Quality Global Customer Reach The platform serves over 700 customers worldwide, ensuring comprehensive secure payment coverage while processing millions of transactions and calls daily. Exceptional Platform Reliability The platform achieves over 99.999% uptime, ensuring uninterrupted and dependable payment services worldwide. Integrated Contact Center Solutions The platform is embedded in contact centers, accelerating time-to-value and improving agent and customer experiences. Continuous Assurance: 24x7 Threat Monitoring IDS/IPS and SOC with annual supplier attestation reviews and Independent Assurance tests help sustain platform integrity at scale Engineered for the TAM expansion in mind - elastic capacity for human and AI agents, omnichannel concurrency, and regulated workloads. 700+ customers uptime CSAT Score Patented telephony Integration Integrated contact center solutions 24x7 monitoring 99.999% 91% 28
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Architecture Advantages Cloud · Global · Channel, implemented in code: the architectural choices that make the growth story repeatable. Security by design (PCI DSSv4, SOC2 ISO27001,22301,9001 & CE+) Tokenisation, data minimization with encryption everywhere, and regional data residency on AWS (EMEA, NA, ANZ) so customers can buy with confidence Multi-Tenant Scalability Multi-tenant architecture enables operational efficiency, high gross margins, and global scalability. Light Touch Cloud to Cloud Integrations Point of payment loop into conversations provides a light touch on-demand capability for accessing PCI Pal solutions only when they are needed. Unified Platform for AI and Automation A single integration unlocks the platform for agent-assisted and automated channels like conversational AI, voice, and chatbots with native support for MCP 29
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PCI Pal is transforming beyond point-of- payment & compliance solutions Agentstarts the customer interaction Authenticate customer Secure Payments & Fraud Screening Complete non-payment tasks Wrap-up work Understand customer request 30
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Supported by a new product suite and data-driven insights Analytics & Data Science Secure Payments Fraud Management Identity Verification Secure Data Collection Customer Authentication 31 Self service onboarding
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Transforming into the unified, AI powered, secure engagement platform of choice Start the customer interaction Immediate Fraud screening Returning customer authentication New customer identity verification Secure, Compliant, omnichannel payment orchestration Complete non-payment tasks Wrap-up work Understand customer request 32
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Join us for a vision of what’s to come… The self-provisioned PCI Pal Secure Engagements Platform experience for a customer embedded in a CCaaS solution A day in the life of a healthcare agent , the clients they serve, and the support they provide. A multi-product, platform vision that drives value through the entire interaction 00:34 33
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Customer first… …partner focused Unified API, single integration Value One platform contract Velocity Simplified multi - product CCaaS pricing Growth 34
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Thank you. Q&A. CMD 11th November 2025 0012 3456 7890 9870 John Muller 00:34