WORLDLINE_REGISTRATION_DOCUMENT_2017

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

Central acceptance The Group also provides Acceptance services for multi-channel merchants in order to concentrate all their payments through a single platform for face-to-face and online payments. Besides the standardization of the solutions in the point of sales and the reductions of the suppliers for the merchants, concentration of payments allows new payment usages like web-to-store, store-to-web and web-in-store, an increase of fraud management efficiency, a global management of all the payment activity, dynamic choice of the acquirer or of the payment scheme in order to get better financial conditions from acquirers. Central acceptance is a major step allowing merchants to move towards omni-channel transactions. The acquisition of DRWP will improve significantly the central acceptance solution allowing Worldline to be more “Global” faster and will accelerate the migration to the next generation platform. The Group’s principal clients within this business activity include Casino and Darty. Merchant Aggregator The Group offers Merchant Aggregator services in India leveraging on its bank relationships where Merchant Aggregators are treated like a Super Merchant by the banks and e-commerce Merchants like Sub Merchants. The Group is developing its offering based on two different models: Core aggregation, where Worldline undertakes end-to-end ● aggregation from merchant sourcing, risk underwriting along with settlement and payment; Hybrid aggregation, where Worldline sources merchants ● and underwrites risk, partner banks settle merchant payments – key differentiator between WL and competition. As a Merchant Aggregator, the Group is a Super Merchant through which individual e-commerce Merchants (Sub Merchants) can process their payment transactions. The Group, as a Super-Merchant allows Sub-Merchants to accept credit card, debit card, various cash cards, bank transfers without having to setup a Merchant account directly with a bank. The Group provides the means for facilitating payment from the consumer via credit cards, stored value cards, bank transfers. The Sub-Merchant is paid by the Group on the agreed payment cycles. The Group provides the Hosted Payment Page and underwrites the risk and passes the risk or liability to the Sub-Merchants.

Digital retail C.1.1.2.1 The Digital Retail offers include the following components

Web shopping The Group helps merchants design, implement, operate and improve digital retail shops, with a strategic focus on omni-commerce solutions that cover the full range of sales channels used by large retailers allowing simple, personalized interactions at the time and on the channels required by the customers. The Group manages around one hundred of digital retail websites on behalf of its merchant clients, which include leading French large-scale retail distributors. In 2017, the Group processed up to 2.7 million orders per month through this channel. Worldline currently offers its omni-commerce solutions primarily in France, Spain, the United Kingdom and Belgium. The Group’s omni-commerce solutions also include revenue generated by its own e-Commerce website, redspottedhanky.com , through which the Group receives commissions on sales of train tickets and other travel-related purchases. MerchantWallet The Merchant Wallet is a secure container of identity making payments easier but also any kind of services requiring an identification (like loyalty, self check-in, couponing…) The group helps merchants to increase their conversion rate, to reduce fraud and strengthen the merchants’ customers engagement with the Merchant Wallet. The Merchant Wallet simplifies transactions with a one-touch payment and an enhanced shopper experience without any compromise on security. The group’s merchant wallet is managed in a centralized platform available on several channels (internet, smartphones) with an enriched, personalized and seamless experience. The group’s Merchant Wallet includes three main differentiators: HCE (host card emulation) to manage uniquely remote ● payments and proximity payments in the same wallet container allowing online provisioning of cards into the wallet; a contextual and adaptive authentication to improve the ● shopping experience, calculated on risks based fraud detection and requiring a trusted authentication (several factors) for high risk identified transactions; and Security improvements with a white-box cryptography and ● a software tamper resistance. Merchant Wallet is used for instance by Accor, Mc Donald’s France and a major petrol company. Digital Signage The Group’s end-to-end data-driven digital signage solutions help companies (like retailers, hotels, bank agencies) promote shopper or customer engagement and offer targeted “in-store” promotions cross-channel. The Group works closely with partners in developing these services. As an example, Worldline partnered with Metro to help heads of departments to manage and centralize communication to customers with real-time and scheduled publications, prices and promotions modifications allowing giving autonomy to End-customers in-store.

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C.1.1.2

Merchand Digital Services

The Group’s Digital Services division joins: Digital Retail offerings, covering the full digital commerce ● lifecycle for Merchants from webshops and omni channel solutions; the Private Labels Cards and Loyalty Services. ●

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Worldline 2017 Registration Document