Worldline - Registration Document 2016

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Business The Group’s business

cardholder to control the usage of their payment card as Payment Modulator. This is product that allows the ● usage. Cardholders are able to set the rules via mobile well as get information and set alerting rules on the actual mobile phone via SMS or App notification or sent to their phone or on a web portal. Alerts are sent to the customer’s limits, control usage in a particular country, control usage in email address. The Cardholder can, for example, set the card certain points of sale; banks analyze and better understand their payment data. Data Analytics. The Group’s data analytics services help ● behavioral clusters and peer group comparisons as well as Such services include consumer profiles based on limits and restrictions; predictive risk profiles and the ability to steer dynamic usage to choose their own PIN code. This offering can interface Self-Selected Pin (SSP). The SSP solution allows cardholders ● with that of a card personalization provider. This service has with either the issuer’s card management system (CMS) or clients within this business line include Rabobank, ABN AMRO, In addition to those mentioned above, the Group’s principal Commerzbank and Landesbank Berlin. ING, OP, LCL, Caisse d’Epargne, Group Banque Populaire, and international card schemes on any transactional device – merchant post–settlement activities. It is optimized for domestic POS, ATM, e/m payments. The Group’s Acquiring Processing solution covers the full acquiring value chain ranging from merchant contract set-up to When a cardholder presents a card for payment, card data are page of a web-shop. From there, a transaction request is captured either by a terminal or ATM or entered in the payment or online by the authorization system. After authentication, an generated with the card being either authenticated at the POS servers and software applications allow a financial institution to authorization request is sent to the issuing bank. The Group’s outsource this function. The Group handles the authentication requests on behalf of the acquirers as well as the processing of of the card, the transmission and processing of authorization processing systems accept payments made through a broad the related clearing and settlement process. The Group’s accommodate a full range of transactional devices, including range of domestic and international card schemes, POS terminals, ATMs, and e/m Payments and include interfaces been deployed in Germany and in Belgium. Card Solutions for Acquirers 6.5.2.2 Core Processing Services for Acquirers

that allow the acquirers to monitor the status of authorizations

and transactions.

ValueAdded Services for CardAcquirers

merchants through its “check service” solution. services, and in particular its credit scoring system, for services as DCC, surcharge or non-financial transactions such as special reports to help follow up on transactions that include balance inquiries. The Group also offers check processing connections between its subsidiaries, the Group can provide Leveraging its centralized IT-infrastructure and cross-border in different countries, together with support for multiple centralized reporting to acquirers or merchants doing business currencies. A few examples of clients are: BNP Paribas, Kalixa, Postfinance, ICBPI DCC (dynamic currency conversion) and fraud prevention Value added services such as self-service-tools for merchants, the Group offers services to allow the acquirer as well as the solutions support acquirers in their daily business. In addition, in their respective accounting system. The Group generates merchant to reconcile transactions and to capture financial data of solutions that cover the full range of needs in the domain of The Group offers financial institutions a complete end-to-end set payments, including clearing and settlement services; (i) SEPA value added services; (ii) corporate payments services; and (iii) including domestic & cross-border payments, high value back-office processing services for financial institutions (iv) payments, foreign exchange payments and investigations. The Group operates a highly scalable Automated Clearing and SEPA Direct Debits (SDD) payment services. The Group House (ACH) platform and provides SEPA Credit Transfers (SCT) the Group community, we offer reach through an Inter-CSM ensures full market reach across Europe. Next to its reach within Clearing House Association) interoperability framework, and by network of ACHs based on the EACHA (European Automated reach to the USA through a partnership with the Federal facilitating a link to the EBA network. The Group has established Payment Solutions 6.5.2.3 Clearing&Settlement Solutions

Reserve Banks.

A few examples of clients are: ING, Banque Raiffeisen, Rabobank.

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Worldline 2016 Registration Document