Worldline - 2020 Universal Registration Document

DESCRIPTION OF THE GROUP’S BUSINESS Description of the Group’s four Business Lines services

Core Acquiring Processing The globalization of the acquirer market is leading to increased volumes and price pressure. The international expansion of merchants has created global platforms. In addition, the market is characterized by constant innovation, increased competition and new regulations. The Group provides acquirers with a full range of Acquiring Processing services to match and exceed merchant needs, both in the domestic market and internationally. Services include: Authorization Processing; ● Fraud Management; ● Transaction Processing; ● Clearing & Settlement; ● Dispute Management; ● Contract Management. ● WL Pay Front-Office WL Pay Front-Office is an advanced software licensing solution that combines functional flexibility through parameterization and self-customization capabilities with proven production stability. It includes: Acquiring & Switching; ● Terminal & Channel Management; ● Authorization; ● Transaction Security & Integrity. ● ATM Management 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.

Messaging & Connectivity services as well as Liquidity Management solutions. A fewexam ples of clients in the Account Payments business area are for Back-Office Payments Processing; Commerzbank and UniCredit and for Liquidity Management Solutions; BNP Paribas, Crédit Agricole, and Société Générale. Among the clients in the Clearing and Settlement area are ABN AMRO, PSA Payment Services Austria, and the Central Bank of Aruba. Instant Payments The customer demand clearly shows an increased need for speed. This also applies to payments. Financial institutions nowadays are expected to offer instant payments. The Group is a frontrunner in instant payments with a leading position in the Eurozone. The Group has the 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 Services. Instant Payments – Channel solutions. A white-label ● mobile banking and mobile P2P application 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 “alw ys a 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 at all times. Instant Payments – Clearing & Settlement service. Offers ● pan-European secure, low-latency clearing to all PSPs in Europe as well as Clearing and Settlement solutions for the global market based on ISO 20022 and global best practices. The Group’s solutions are separate components that can be procured as an integrated offering or as individual components, depending on client needs. Back-Office Payments Processing 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 and moving fixed costs into variable costs, while relieving them of the burden to keep up with the increasing pace of change in the payments industry. The Group’s comprehensive portfolio includes the following services: SEPA and Domestic Payments, Instant Payments, Multi-Currency Payments, High-Value Payments, Liquidity Management and Compliance Services.

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Account Payments C.1.3.3

The Group offers financial institutions a complete and modular end-to-end set of solutions that cover the full range of needs in the domain of Account Paymen ts, including Back-Office Payments Processing, Clearing & Settlement Services,

Universal Registration Document 2020

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