WORLDLINE_REGISTRATION_DOCUMENT_2017

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

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Account Payments

accommodate a full range of transactional devices, including POS Terminals, ATMs, and e/m payments and include interfaces that allow the acquirers to monitor the status of authorizations and transactions. Value added services such as self-service-tools for merchants, DCC (dynamic currency conversion) and fraud prevention solutions support acquirers in their daily business. In addition, the Group offers services to allow the acquirer as well as the merchant to reconcile transactions and to capture financial data in their respective accounting system. The Group generates special reports to help follow up on transactions that include services as DCC, surcharge or non-financial transactions such as balance inquiries. Leveraging its centralized IT-infrastructure and cross-border connections between its subsidiaries, the Group can provide centralized reporting to acquirers or merchants doing business in different countries, together with support for multiple currencies. Fraud riskmanagement The Group offers an end to end portfolio of effective fraud control services. These services include the creation and management of rules, the deployment of the rules for alert creation and the operational handling of alerts. For fraud detection, these services analyze the nature of a transaction, a customer’s behavior profile and other data to help identifying suspicious transactions made with a payment device. The Group also offers solutions to protect the mobile payments Managing an ATM network today is getting increasingly complex in an ever more competitive environment. Clients expect extra services at ATMs, while business is complicated by increased regulation. Moreover, digitization forces financial institutions to rethink their branch strategy. The Group has numerous years of proven experience and covers the whole ATM value chain from site search to installation, and from logistics management to transaction and quality management. Financial institutions can either make a selection of the Group’s modular services or choose global outsourcing. This way they can optimize and simplify their ATM management with one single point of contact. A few examples of clients in the acquiring business area are: BNP Paribas, Kalixa, Postfinance, Nexi. devices against intrusion. ATMmanagement

The Group offers financial institutions a complete end-to-end set of solutions that cover the full range of needs in the domain of payments, including Instant Payments, Payments Processing Back-Office, Trusted Transactions, Clearing & Settlement. Instant Payments The need for speed is generally increasing, and is impacting customer demands. This also applies to payments. Banks and financial institutions nowadays are expected to offer instant payment capabilities. As a frontrunner in payments, the Group has been pioneering Instant Payments for the last few years. The Group has the unique capability to cover the whole value chain for Instant Payments, from payment initiation and channel solutions that directly benefit the end-customer, to back-office processing and clearing & settlement. Instant Payments - Channel solutions. A white-label mobile ● banking and mobile P2P applications and value-added services such as an alias conversion service and real-time fraud detection. Instant Payments – Payments Processing Back-Office ● solution. Allows financial institutions to offer Instant Payments to their customers without the need to invest heavily in an ‘always available, low- latency’ payment-processing engine. Financial institutions can benefit from economies of scale by using the Group’s shared platform and have the security of remaining compliant. Instant Payments – Clearing & Settlement service. Offers ● pan-European secure, low-latency clearing to all PSPs in Europe. The Group’s solutions are separate components that can be procured as an integrated offering or as individual components, depending on client needs. Payments Processing Back-Office The Group has an extensive portfolio of secure, cost-efficient solutions that allows financial institutions to outsource their back-office processing for payments. This enables financial institutions to substantially reduce their total cost of ownership while relieving them of the burden to keep up with increasing pace of change in the payments industry. The Group comprehensive portfolio includes the following services: SEPA and Domestic Payments, Instant Payments, Multi-Currency Payments, High-Value Payments, Swift Services and Compliance Services. TrustedTransactions Businesses and public service providers are looking for efficient solutions in the digital world for identity, electronic payments and e-Mandates. They need solutions that can be easily integrated into their own business processes. Financial institutions are trusted partners that can offer these services using their Online Banking systems. The Group supports financial institutions in operationalizing digital transactions through cost-effective and reliable routing services, in a way that is convenient and fully compliant. The Group’s service portfolio consists of three main areas: e-Identity, e-Mandate and e-Payment solutions. The different services are delivered using a multi-purpose, state-of-the-art platform.

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Worldline 2017 Registration Document