BPCE - 2019 Universal Registration Document

PRESENTATION OF GROUPE BPCE

GROUPE BPCE’S BUSINESS LINES

PAYMENTS Natixis Payments creates solutions covering the entire payment value chain, including transmission, acquisition, e-payment, e-wallets, prepaid cards and everything in between. Its mission is to provide personalized, seamless and secure interactions, bearing in mind that the payment experience is becoming increasingly important in the relationship with consumers, employees and users. Natixis Payments has structured its offering around three major customer categories: retailers: • online payment solutions for large retailers and market – places (Dalenys), VSEs/SMEs (PayPlug) and associations (E-cotiz), physical payment solutions (in or out of store) including – payment terminals, SmartPOS and open payment, omnichannel solution for unified purchasing; – private or public enterprises: • payment means: Payments in a box (Xpollens) and – instant payment, employee benefits: restaurant vouchers (Apetiz), – multi-brand gift certificates (Titres Cado) and Cesu Domali ® service vouchers, benefits for works councils (Comitéo) and social benefit – payment solutions (Weezen); banks and fintechs: • card payments: Payments in a box (Xpollens) and – transmission processing, electronic payment acquisition solutions, – account-to-account payments: SEPA credit – transfers/direct debits, instant payment.

In 2019, the Payments division entered into strategic partnerships, including with Visa, the world leader in digital payments: creation of Xpollens, a white-label Payments in-a-box • solution offering innovative payment services to fintechs, merchants and corporates. With this solution, clients can easily incorporate a complete range of payment services, ranging from issuing instant payment cards to instant payment to account administration; cooperation at FIFA Women’s World Cup France 2019™, • where Visa selected Natixis Payments as point-of-sale acquirer and prepaid solutions provider in stadium. Building on this initial success with its subsidiary Natixis Payments, Groupe BPCE, Premium Partner of the Paris 2024 Olympic and Paralympic Games, is focused on helping Visa deliver an unforgettable experience for spectators. Continuing in the area of partnerships, PlayPlug now provides its online retailer customers with the “3x 4x Oney” guaranteed split payment solution, which allows end customers to pay by bank card in three or four installments. PayPlug also teamed up with Shopify with the common goal of allowing users of the Shopify platform to use an omnichannel payment solution that is easy to use and offers the highest level of protection against fraudulent transactions. The division kept the recruitment momentum going in 2019, hiring 200 new employees to expand its range of expertise and contribute new essential skills for its development (data, marketing, growth hacking, pricing).

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UNIVERSAL REGISTRATION DOCUMENT 2019 | GROUPE BPCE