WORLDLINE_REGISTRATION_DOCUMENT_2017

Worldline positioning and strategy Industry andmarket overview

Competitive Landscape Payment Service Providers

B.1.3

[GRI 102-6] [GRI 102-10]

Just as the payment ecosystem is complex, so is the competitive landscape. Historically, payment services market participants have focused on only one or a few components of the extended payment services ecosystem without covering the full chain. The following diagram summarizes the Group’s

positioning relative to its main competitors in the European payment services processing market. By supporting a range of both card and non-card payment instruments, Worldline is ideally positioned to exploit the growth of alternative payments.

Payment Service Processing in Europe

Issuing transaction processing

Services tocardholders andissuers

Acquiring transaction processing

Acceptance POS e-commerce

Services tonewdigital businesses

Credit/Debit transfers

Services tomerchants

Commercial acquiring

CSM

B

Nets

FirstData

WorldPay

Ingenico

Wirecard

GlobalPayments

TSYS

SIA

SixPaymentServices

Core o ering

Non-core o ering

Source : Worldline

This diagram has been set up using the following definitions: Issuing transaction processing: Processing of the issuing ● payment transaction; Services to cardholders: Services such as call centre and ● VAS services (card blocking, loyalty, card-linked solutions, coupons etc.) provided for and on behalf of card issuers; CSM: Clearing and settlement mechanism; ● Credit/debit transfers: Processing of SEPA payment services; ● Services to merchants: services providing Value in or around ● the payment such as loyalty, gift cards, private label cards, or vertical solutions with specific functions for e.g. taxis, restaurants, hospitality, etc.;

Acquiring transaction processing: Third party processing on ● behalf of direct or indirect merchant acquirers; Commercial Acquiring: Contracting with the merchant for ● the provision of the merchant account and access to the necessary schemes to enable the acceptance of the payment method; Acceptance POS/e-commerce: The provision of acceptance ● services including the Terminals, maintenance etc. and provision of payment gateways in both the card present and card not present environment; Services to new digital businesses: services to companies ● leveraging digital to provide services using payment (transportation companies (e-Ticketing), government (tax collection), etc.).

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Worldline 2017 Registration Document