Worldline - Registration Document 2016

Business The Group’s business

6.5.1.3

Omnichannel payment acceptance

Thorough lab testing and ISO 9001:2000 certification help which are designed to have a long working life. guarantee the manufacturing quality of Worldline terminals, with an emphasis on product design, high security, and The Group continually renews its range of terminal products, reliability. The Group’s terminal range includes: the Group’s YOMANI ranges of countertop terminals, which ● environments. It includes the new YOMANI Touch terminals, are designed to ensure fast transactions in large retail 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 ● resistant to vandalism and bad weather, has been ECO, XENOA ECO, YONEO and XENTIM terminals, which are including a large touch screen for a new customer completed by the new VALINA, based on Android and couponing and mobile loyalty; and experience and supporting complementary services like the Group’s YOMOVA, a compact all-in-one terminal, which ● YOMOVA is designed for restaurants and shops. the Group offers in a countertop and a portable version. through applications such as its XENTURION POS terminal The Group’s terminals also support remote management management of terminal fleets. management system, which allows batch updating and together with an application for mobile devices that allows The Group also proposes a mobile point of sale (mPOS) device smartphones and tablets to be used as mobile payment than renting or purchasing a dedicated POS terminal, this terminals. Because this solution is less expensive to implement merchants, start-ups and small businesses that make in-home solution is well-suited as an entry-level solution for micro run cash register software on a tablet and are connected to an deliveries. The Group also provides cloud-based solutions that mPOS or a traditional payment terminal. Some of the larger direct customers for Worldline’s payment France, Carrefour, Colruyt, Delhaize and Fnac in Belgium, Citti, terminals include large retailers such as Casino and Darty in Adler, OBI, Aldi Süd in Germany, Albert Hein, Hema, and H&M in distributors in Belgium. the Netherlands as well as multiple electricity, oil and gas Hardware SecurityModules (HSM) Worldline designs and develops hardware security modules for where advanced encryption is required, including the cryptographic purposes that are used in a range of applications credit cards. The ADYTON is the more recent device produced generation and encryption of PIN codes and the production of by the Group. ADYTON uses advanced cryptographic PIN-generation, transaction processing, digital signature and accelerators for outstanding speed and security in data protection.

all the point of sales of a retailer, whatever the channel. acceptance services allowing to concentrate all the payments of payments (m-payment) thanks to Worldline Sips, its sales. It includes online payments (e-payments) and mobile omni-channel payment acceptance service, centralized Merchants allowing them to accept payments on their point of The Group’s Acceptation services activity covers all the needs of Acceptance Services Worldline Sips – Cross-Channel Payment and multi-channel payment gateways. Sips allows merchants to The Worldline Sips offering is one of Europe’s leading manages the transaction during its lifecycle. accept payment methods used for purchases on their site and As a cross-channel payment gateway that complies with PCI enables merchants to accept over 50 payment types including data security standards for protecting cardholder data, Sips private label payment cards. The offer can be adapted to several credit and debit card, bank transfers, electronic wallets and response…). It includes a wide range of features, including payment channels (e.g., web, mobile, tablet, integrated voice enhanced authentication and DCC (dynamic currency one-click payment, recurring payments, fraud detection, conversion) to merchants. also directly to large merchants under the Sips brand. The financial institutions (like Société Générale and BNP Paribas) but United Kingdom and Germany in 2016, and will continue to Group successfully introduced the offering in the Benelux, acquisitions made during the course of 2016. focus on the internationalization of the offering via the The Group provides Sips as a white label solution mainly to whom the Group directly provides online and mobile payment Examples of some of the larger online payment customers to Cineworld, many British rail companies. services using Sips include SNCF, Cdiscount, McDonald’s, HMRC, acquirers. Central acceptance is a major step allowing payment scheme in order to get better financial conditions from merchants to move towards omni-channel transactions. management efficiency, a global management of all the store-to-web and web-in-store, an increase of fraud payment activity, dynamic choice of the acquirer or of the The Group’s principal clients within this business activity include Casino and Darty. merchants in order to concentrate all their payments through a The group also provides Acceptance services for multi-channel standardization of the solutions in the point of sales and the single platform for face-to-face and online payments. Besides the payments allows new payment usages like web-to-store, reductions of the suppliers for the merchants, concentration of Central acceptance

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Worldline 2016 Registration Document