Worldline - 2019 Universal Registration Document

WORLDLINE Description of the Group’s three Business Lines services

Worldline’s clients are active in all business sectors, ranging from large-scale retail distributors, such as Delhaize, Migros, Coop and Rewe to an international oil and gas company, travel business such as Hilton and Carlson Wagonlit, as well as small businesses (the mass market segment) like restaurants, shops, etc. Especially in mass markets Worldline provides fully automated state of the art onboarding solutions including AML and KYC. Worldline invests strongly in setting up services defined in the Payment Service Directive 2 which allows Third Party Processors to access bank accounts of payment users to initiate payments (Credit Transfers or Instant Payments) or to gather bank account information (balance, history). Worldline extended its PSP license and became Payment Initiator Service Provider as well as Account Information Service Provider in Belgium and the Group has started to passport these licenses to the other European countries, offering further benefits to its merchants. Terminals C.1.1.2 Worldline offers a range of robust, versatile and easy-to-use & easy-to-integrate payment terminals adapted for different segments of the market. Worldline offer consists in terminals to rent or buy and includes installation and support services. Worldline markets its terminals in the Benelux and Nordics regions, Germany, Switzerland, France, Czech Republic, Slovakia, Austria, Hungary, Poland, Russia and Spain. Worldline shipped more than 182,000 payment terminals in 2019 and has 2.25 million terminals in operation worldwide. Client base Main clients of Worldline's payment terminals include large retailers such as Casino and Darty in France; Colruyt, Delhaize and Aldi in Belgium; Citti, Adler, OBI and Aldi Süd in Germany; Migros and COOP in Switzerland; REWE, Lidl and Hofer in Austria; Albert Heijn, Hema, Deichmann in 17 European countries and H&M in the Netherlands as well as multiple electricity, oil and gas distributors in Europe. In addition many merchants are serviced across the globe via partners with whom we cooperate intensively. Product range Worldline continually renews its ranges of terminal products, with an emphasis on product design, advanced functionalities, high security, and reliability. Worldline terminal ranges include: The YOMANI range of countertop Terminals, designed to ● ensure fast transactions in large retail environments. Top of the range is the YOMANI TouchXR which incorporates a large full-color touch screen and contactless reader;

The YOXIMO 4G/3G/WiFi enabled mobile POS terminal. ● The XENTEO ECO, XENOA ECO and YONEO Terminals for unattended environment, resistant to vandalism and bad weather; The VALINA, the first of Worldline’s new Android-based ● all-in-one terminal, supporting Value Added Service Apps tailor made to merchant needs, has been specifically designed for unattended use in environments such as vending-machines, car-parking systems and ticketing kiosks; and is The YUMI, the newest Android-based terminal from ● Worldline for attended use in retail environments, although not limited to - and for much more than just payment. With its 7 inch large touch screen, YUMI offers a new user experience and supports new apps for cardholders and merchants. This device lifts merchant and card holder satisfaction to a new level. Mobile POS Worldline offers a mobile point of sale (mPOS) device combined with an application for mobile devices allowing smartphones and tablets to be used as mobile payment terminals. As this solution is less expensive to implement than renting or purchasing a POS terminal, it is ideally positioned as an entry-level solution for micro merchants, start-ups and small businesses with home-deliveries. Worldline also provides cloud-based solutions which deliver cash-register functions on a tablet and are connected to the mPOS or a traditional payment terminal. Cash register interface For large retailers Worldline offers cCredit as interface between the merchant’s cash register system and the pin pad terminal. The interface handles all communication with parties involved in payment transaction processing: the network operator, the acquirer or the service center. The terminal is administered via the Service Center System (SCS). Depending on the customer needs, terminal application can be installed on the cash register system or a central server. Merchant do not have to do anything themselves as configuration parameters are managed centrally by Worldline on behalf of the merchants. Thanks to the cCredit management console the terminal inventory can easily be managed remotely. Hardware Security Modules (HSM) Worldline MS designs and develops hardware security modules for cryptographic purposes which are used in a range of applications requiring advanced encryption, including generation and encryption of PIN-codes and the production of credit cards. ADYTON uses advanced cryptographic accelerators for outstanding speed and security in PIN-generation, transaction processing, digital signature and data protection.

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Universal Registration Document 2019

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