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Spotlight Innovators
Spotlight Innov ators

experience to every engagement. That means we don't just tell you what needs to be done — we can go in and do it. We're
exclusively focused on IT. We're not going to fix your financial problems or your physical security concerns. But when
it comes to IT controls - consulting, building, and maintaining the systems that keep you compliant and operationally
sound - that's exactly what we do.
How do your services complement the work merchant services agents
and ISOs are already doing with their clients?

Many agents and ISOs are already working with clients in finance, healthcare, and other regulated industries where
compliance isn't optional - it's mandatory. These clients trust their agents. What we offer is a natural extension of that
relationship. When a compliance or IT controls challenge comes up that the agent isn't positioned to solve, they introduce
us. The agent strengthens their relationship with their client, and they create an additional recurring revenue stream
without taking on any of the work themselves.

What does the referral partnership look like for agents and ISOs?

It's pretty straightforward. Agents refer clients to us, we handle everything on the compliance and IT side, and the referring
partner earns a share of the recurring revenue for as long as that client is with us. We don't have a single customer in our
portfolio where we bill per hour - that model doesn't work for what we do. Everything is recurring. So the referral revenue
isn't a one-time thing. It continues for the life of the client relationship.

What type of recurring revenue share do you offer referral partners?

I'm happy to talk specific numbers directly with anyone who's interested. What I can tell you is these are not services
where you walk away with a hundred dollars a month from your referral. There are good dollars behind it, and those
dollars keep coming for as long as the client stays with us.
What kind of feedback have you received from agents who refer clients to you?

Referrals are an integral part of Ketra Group, and we retain every client we bring on - many of them for decades. That's not
something that happens by accident. Referral partners can count on happy customers and a revenue stream that doesn't
disappear after the first invoice. When you refer a client to us, you're not just solving a problem for them once. You're
building something that pays you back for years.

Expand beyond payments

Agents today are increasingly looking for ways to expand beyond payments while continuing to provide value to their
merchant clients. IT compliance and security services represent one potential avenue, particularly for businesses operating
in regulated industries. For agents interested in creating additional recurring revenue while helping clients strengthen
their IT infrastructure, referral partnerships with technical specialists such as Ketra Group may offer a compelling
opportunity. For more information, email partners@greensheet.com and use promo code Green Sheet for a 25% first-time
referral bonus.

Going global:

Making ecommerce

work for you.

t's a small world, after all — but it's a huge market for consumers. While shopping locally is still a big trend, there
is the ever-growing allure of getting just about anything from anywhere on the planet. So many brands, so many
products, so many dollars … and yen … and euros … Forbes reports that global ecommerce topped $6.3 trillion
I in 2023 — and it's forecast to be more than $8 trillion by 2026. Meanwhile, PayPal found that 57% of the world's
consumers do their shopping with world-wide savvy. Clearly, there is ample opportunity for merchants who go global,
but the move can also have its challenges.

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