Q4 2024

EU Business News- Q4 2024 Jul24068 Digital Payment Solutions CEO of the Year 2024: Gabriel Dixon As a leading payment service provider, Novalnet delivers solutions for over 15,000 medium to large B2C, B2B, and D2C enterprises in more than 120 countries, supporting over 150 payment methods in 125+ currencies. In addition to global payment processing, the company’s suite of services includes fraud prevention, guaranteed payments (assuming chargeback liability on risky payment methods such as Direct Debit SEPA, Buy Now Pay Later, and Installment Payments), virtual IBANs, subscription management, Marketplace and Affiliate Management, integrated debtor management, fully automated reconciliation of all payment methods, dunning & debt collection, and end-to-end technical support—each tailored to meet the unique needs of diverse industries and customer bases. Gabriel’s foresight and commitment to robust, secure digital payments have been instrumental in positioning Novalnet as a preferred partner for enterprise clients seeking both reliability and advanced security. Why Novalnet? The Benefits for Online Businesses As an “all-in-one” provider, Novalnet became the world’s first Payment Service Provider to deliver a cutting-edge 'one-stop solution' for all payment requirements, including value-added services from checkout to debt collection. Our innovative unified solution offers a wide range of fully automated services under one roof, eliminating the need to sign multiple contracts with varying maturities and charges from different companies (banks, acquirers, PSPs, billing firms, fraud prevention agencies, debt collection agencies, debtor management firms, technical agencies for software development, etc.). As our contractual partner, you gain access to all these services through a single contract, resulting in lower costs and increased turnover—making us indispensable for your sustainable business growth and success. A Vision for the Future of Payments Gabriel Dixon established Novalnet AG in January 2007 with a mission to simplify payment processes for businesses of all sizes, empowering them with a secure, allencompassing platform. Over the years, he has embedded within the company a culture of innovation and adaptability, allowing Novalnet to stay ahead of the evolving landscape of digital payments. Based in Munich, Germany, Novalnet AG is a global leader in digital payment solutions, streamlining online transactions for medium and larger businesses across Europe and beyond. Novalnet has been a longstanding hidden champion behind many well-known brands, helping them achieve success in their online businesses. This year, Novalnet’s CEO and founder, Gabriel Dixon, has been recognized as the Digital Payment Solutions CEO of the Year 2024 by European Business News. Under his leadership, Novalnet has not only thrived but has set new benchmarks in payment technology, with Gabriel driving innovation and a vision for secure, efficient, and user-centric payment systems that meet the demands of today’s digital economy. This forward-thinking approach has helped Novalnet become one of Europe’s leading payment institutions, particularly respected for its agility in integrating new payment methods and compliance with global regulatory standards. Reflecting on Novalnet’s success, Gabriel notes, “Our goal has always been to create a seamless payment experience that not only fulfils but anticipates our clients' needs. Payment processing today is about much more than mere transactions; it’s about providing trust, flexibility, and convenience on a global scale.” Revolutionizing Payment Technology Novalnet has redefined what it means to offer comprehensive, efficient payment solutions in a complex global market. With its all-in-one platform, Novalnet provides advanced payment technology through a single contract from a single provider, a unique approach that sets it apart in the industry. One of Novalnet's standout features is its Advanced Payment Guarantee for SEPA Direct Debit and Invoice Payments (Buy Now Pay Later), a solution that optimizes cash flow by ensuring businesses receive payments swiftly and securely. Adding to this, Virtual IBANs enable streamlined payment reconciliation, simplifying accounting processes for multinational companies. To ensure smooth and reliable payment processes, Novalnet’s Real-Time Monitoring guarantees a 99.99% uptime, allowing enterprises to operate without interruption or delay. Gabriel’s emphasis on innovation has also led Novalnet to incorporate advanced technologies, such as AI and machine learning, for fraud prevention and

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