Product & Service Portfolio for Retailers

Payment Services

Issuing Processing

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New card business models generate profit for retailers

Generate additional revenue and improve customer loyaltyA payment card program from your partner of trust, SIX Payment Services, can turn visitors to your store into buyers and make them regulars, returning repeat-edly. Our offer consists of a wide range of premium services that drive more traffic to your business and enhance customer loyalty. In the forefront, SIX Payment Services can support your decision process with our in-depth marketing expertise and help you set up, reposition and market your very own card program. We help your card program to succeed all the way: from the technical card design to card issuing and POS acquiring.

Our business approach to making your card pro-gram successful:– Analyze and optimize your existing card program– Position your new card portfolio– Upgrade closed-loop card systems with interna- tional payment functionalities (Visa, MasterCard)– Acquiring of closed-loop cards within your stores to avoid scheme fees– Latest POS infrastructure for sale or lease– All terminals fully EMV compliant, including contactless devices– Favorable commercial acquiring conditions– Value added services available at the Point of Sale (e.g. DCC, Mobile top-up)

Our modular offering includes both issuing and acquir ing services along the entire value chain and can be customized according to your company’s needs.

Build your cardholder base

Influence customers buying decisions

Increase your brand awareness

Attract and retain customers with loyalty programs

Generate additional revenues

Figure 1: Retail card value chain

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Our modular retail card programs support your ideas

Have you ever thought about running your own card program?Operating a card program is no longer a business for banks only. SIX Payment Services offers you the op-portunity to issue your own cards and benefit from:– Extra revenue potential through additional sales and lower cash-handling cost– Detailed insight and understanding of your customers’ buying habits enabling you to retain them through selected and targeted loyalty programs

Let us help you answer some key questions:– Card business case: which type of card suits my organization best?– Which international scheme brand do I want to co-brand my closed-loop card with?– How can I increase my shop’s average transaction value?– Which technical feature (e.g. chip-technology, contactless, mobile payment) fits best for me?– How can I reduce my card processing costs (including merchant commission) with SIX Payment Services’ closed-loop offering?

Upgrade your closed-loop card program with Mas-terCard or Visa acceptanceWithin your stores all transactions are processed on our closed-loop SIX Payment Services acquiring and issuing network. Outside your stores, card usage is guaranteed internationally through co-branding with VISA and/or MasterCard scheme licenses.

This will result in:– Enhanced customer loyalty– Regular customer contact, involving opportunities like statement messaging, inserts and other targeted marketing initiatives– Access to reports on aggregated cardholder data– Interchange revenue generated with each external use of the card

We have vast know-how and experience in the processing of closed-loop, open-loop and multi-account cards alike.

Our technical processing capabilities allow you to issue cards under your own license or a leased one.

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Our modular offering grows with your needs

With SIX Payment Services, you have a reliable partner at hand, proven technology, many years of expertise and vast experience to support a wide variety of your needs. Our offer is based on three pillars:

Issuing processing services– Analyzing the potential of a card program– Leveraging our marketing and financial expertise to create and/or optimize your card portfolio– Implementing, managing and processing your card program– Hosting of card data and authorization of transactions– Providing you with CRM data feedback to constantly improve your customers’ loyalty– Taking over all relevant business processes, e.g. fraud management or charge-back, as well as card lifecycle management (card production, blocking, renewals, etc.)

Acquiring and POS servicesProfit from the full scale of your new card program by closing the loop with us as your new card acquirer. You can either use your existing POS infrastructure or benefit from our state-of-the-art POS terminals. Our entire range is fully EMV compliant and ready to support latest contactless technology.

International scheme licenseSIX Payment Services can provide you with the necessary issuing license for Visa or MasterCard, thus making your card program ready for your international customers.

Issuing processing services

Existing card portfolios– Hosting– Authorization– Migration

MasterCard license

New card portfolios– Hosting– Authorization– Consulting

Visa license

Acquiring of your closed-loop system

International card use through co-branding with scheme licensed

Latest generation of SIX EMV terminals Value added services (DCC, Mobile Top-up)

Acquiring and POS services International scheme license

Figure 2: SIX Payment Services offer

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SIX Payment Services – state-of-the art pan-European processing

SIX Payment Services, a SIX company, has been a lead-ing provider of payment processing services since 1977. Today, SIX Payment Services provides financial institu-tions and merchants throughout Europe with secure and innovative solutions along the entire value chain of cashless payments. Our modular offering includes credit and debit issuing processing, acquiring process-ing and network services as well as POS terminals and a broad range of value added services. With over 1.200 employees and a local presence at 10 office locations, SIX Payment Services partners with customers in 33 countries.

Key figuresNumber of employees + 1.200Transactions 3.16 billion card-based transactionsOffice locations: 10– Zurich– Budapest– Frankfurt– Genf– Hamburg– Luxembourg (Munsbach / Leudelange)– Milan– Prague– Vienna– Warsaw

Market leader

Leading player

Market presence

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Your personal contact: www.six-payment-services.com/contact

SIX Payment Services AG Hardturmstrasse 2018005 ZurichSwitzerland

SIX Payment Services (Europe) S.A.10, rue Gabriel Lippmann5365 MunsbachLuxembourg

SIX Payment Services (Austria) GmbHMarxergasse 1BAT-1030 ViennaAustria