WORLDLINE_REGISTRATION_DOCUMENT_2017

C

The Group’s business Description of the Group’s three Business Lines services [GRI 102-2]

The Group’s Commercial Acquiring clients cover all business sectors, from large-scale retail distributors, such as Delhaize to an international oil and gas company, travel business such as Hilton and Carlson Wagonlit, as well as small businesses such as restaurants and shops. C.1.1.1.2 Worldline offers a range of robust, versatile and easy-to-use payment Terminals adapted for different segments of the market. The Group offers merchants Terminals to rent or own, and provides installation and support services. The Group markets its Terminals in the Benelux and Nordics regions, Germany, Switzerland, France Czech Republic, Slovakia, Austria, Russia and Spain. Worldline has shipped more than 218,000 of its payment terminals in 2017 and has 1.2 million Terminals in operation worldwide. All Worldline terminals use the same system-on-a-chip. Custom applications developed for one type of terminal can easily be ported to other Terminals, maximizing development return on investment. Built around free software, they allow partners and customers to develop their own applications. Complementary services like promotion in store, survey and advertisement on the screen of the Terminals are available. Software updates and security keys can be securely downloaded when necessary, minimizing the need for on-site interventions. Thorough lab testing and ISO 9001:2000 certification help guarantee the manufacturing quality of Worldline Terminals, which are designed to have a long working life. The Group continually renews its range of terminal products, with an emphasis on product design, high security, and reliability. The Group’s terminal range includes: the Group’s YOMANI ranges of countertop Terminals, which ● are designed to ensure fast transactions in large retail environments. It includes the new YOMANI Touch Terminals, which incorporate a large full-color touch screen and contactless reader; the Group’s YOXIMO ranges of 3G and 2G enabled mobile ● POS Terminals; the range of Terminals for unattended environment ● XENTEO ECO, XENOA ECO and YONEO Terminals, which are resistant to vandalism and bad weather, has been completed by the new VALINA, running on Android and including a touch screen for an enhanced customer experience and supporting complementary services like couponing and mobile loyalty; and the Group’s YOMOVA, a compact all-in-one terminal, which ● the Group offers in a countertop and a portable version. YOMOVA is designed for restaurants and shops. The Group’s Terminals also support remote management through applications such as its XENTURION POS terminal management system, which allows batch updating and management of terminal fleets. The Group also proposes a mobile point of sale (mPOS) device together with an application for mobile devices that allows smartphones and tablets to be used as mobile payment Terminals. Because this solution is less expensive to implement than renting or purchasing a dedicated POS terminal, this Payment Terminals solutions

solution is well-suited as an entry-level solution for micro merchants, start-ups and small businesses that make in-home deliveries. The Group also provides cloud-based solutions that run cash register software on a tablet and are connected to an mPOS or a traditional payment terminal. Some of the larger direct customers for Worldline’s payment Terminals include large retailers such as Casino and Darty in France, Colruyt, Delhaize and Fnac in Belgium, Citti, Adler, OBI, Aldi Süd in Germany, Albert Hein, Hema, and H&M in the Netherlands as well as multiple electricity, oil and gas distributors in Belgium. Hardware SecurityModules (HSM) Worldline designs and develops hardware security modules for cryptographic purposes that are used in a range of applications where advanced encryption is required, including the generation and encryption of PIN codes and the production of credit cards. The ADYTON is the more recent device produced by the Group. ADYTON uses advanced cryptographic accelerators for outstanding speed and security in PIN-generation, transaction processing, digital signature and data protection. C.1.1.1.3 The Group’s Acceptation services activity covers all the needs of Merchants allowing them to accept payments on their point of sales. It includes online payments (e-payments) and mobile payments (m-payment). Omni-channel payment acceptance WL Sips – Omni-Channel Payment andAcceptance Services The WL Sips offering is one of Europe’s leading multi-channel payment gateways. WL Sips allows merchants to accept payment methods used for purchases on their site and manages the transaction during its lifecycle. As a Omni-channel payment gateway that complies with PCI data security standards for protecting cardholder data, WL Sips enables merchants to accept over 50 payment types including credit and debit card, bank transfers, electronic wallets and private label payment cards. The offer can be adapted to several payment channels (e.g., web, mobile, tablet, integrated voice response…). It includes a wide range of features, including one-click payment, recurring payments, fraud detection, enhanced authentication and DCC (dynamic currency conversion) to merchants. The integration of DRWP solution allows WL SIPS to enhance its capabilities to go above 100 payment methods. The Group provides WL Sips as a white label solution mainly to financial institutions (like Société Générale and BNP Paribas) but also directly to large merchants under the WL Sips brand. The Group successfully introduced the offering in the Benelux, United Kingdom and Germany in 2016 and 2017, and will continue to focus on the internationalization of the offering via the acquisitions made during the course of 2017. Examples of some of the larger online payment customers to whom the Group directly provides online and mobile payment services using WL Sips include SNCF, Cdiscount, McDonald’s, HMRC, Cineworld, many British rail companies.

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Worldline 2017 Registration Document