connectingpayers & payeesacross Europe

• Accelerate innovations and improve time-to-market to better satisfy your customers’ evolving demands?

• Reduce the complexity of your legacy infrastructure and ensure operational excellence while complying with increasing regulatory pressure?

• Lower your cost base and free up resources by adapting your business and operating models to today’s and tomorrow’s opportunities and requirements?

• Increase your revenues, e.g. through geographic expansion in Europe and beyond, or with new products and services?

• Protect yourself and your customers against the risks of fraud and cybercrime?

• Rely on flexible and scalable payment solutions based on the service model of your choice that fits your strategy and truly fulfills your needs?

• Benefit from a payment service provider that caters to all your needs and those of your customers by covering the end-to-end card and payment value chains, including next-generation payment services?

Are you looking for ways to…

…then discover what equensWorldlinecan do for you!

equensWorldline was created by a merger between Worldline’s Financial Processing & Software Licensing activities in France, Benelux and Germany and Equens.

We provide Europe’s most extensive end-to-end service portfolio both for payments and cards transactions and offer cross-border availability of value-added services for banks, financial institutions and corporations.

As Europe’s leading payment service provider, we combine long-standing proven expertise in traditional mass payment systems (issuing, acquiring, intra- and interbank payment processing) and innovative e-commerce and mobile payment solutions. This allows us to provide best-in-class services across the board of processing and software licensing services.

Clients rely on our expertise to anticipate European regulatory changes, benefit from transformative technologies, optimize processes, ensure operational excellence and manage risk and fraud. Customized solutions to meet specific needs include the licensing of software to enable companies to self-operate their own solutions.

c. 100millionCards under management

c. 10billionPayment transfers processed per year

€

c. 7.5 billionPOS and ATM transactionsprocessed per year

Central pillar of the wider Worldline Group, covering the full payments and cards transactions value chain

3,000+Talents

Office locations in

8 European Countries

250+Banking clients

Processing arm of the Worldline Group, European leader in payments services

with c 1.5 bn€ revenue in 2015

Our service offeringequensWorldline is unique in its ability to support its clients and their customers along the entire payments and cards transactions value chain, from initiation of payments and outsourced back-office payment processing, including value-added services such as fraud detection and alias conversion services, to interbank clearing and settlement services with pan-European reach.

Deepen customer

engagement

Boostinnovation to

ensure sustainable

growth

Relieveburdens of regulatory constraints

Develop an integrated

customer experience

Guard against any kindof fraud

Improve efficiency on core

transactional services

Value to our customers

Payee

Goods & servicespurchased

Issuer bankFinancial institution

Processing& Servicing

Processing& Servicing

Value addedservices

Value addedservices

PayerAcquirer bank

Financial institution

Acceptance& Servicing

Digital transactions

Intra & Interbankprocessing

Our services allow payers and payees to make and receive payments seamlessly, securely and efficiently:

• Payment services for payers

• Enrolment, processing, payment transfer and value-added services for issuers

• Back-office payment processing on behalf of banks

• White label front end solutions, transfer services, processing services and value-added services for acquirers and PSPs.

They trust us

Reliable, robust and secureWe invest extensively in the industrialization of our platforms and solutions to support long-term operation of critical payment infrastructures. This makes us unmatched in terms of the reliability, robustness and security of our services, and the power of our processing capabilities.

Developing innovative servicesAs technology continuously disrupts the norm, our clients can rely on us to guide them through a successful digital journey to the future. Undertaking ambitious R&D activities, we accelerate our clients’ time-to-market and digital transformation, allowing them to cater for the shifting needs and increasing demands of their customers. We lead in ACH (Automated Clearing House) by delivering centralized and optimized processing services with the European Clearing Cooperative. Additionally, we invest in instant payment initiatives, contactless and m-payment solutions for banks (e.g. wallets and card analytics) and digital identity services.

Value for allOur unparalleled footprint allows us to achieve economies of scale and benefit from synergies, making us cost-efficient and competitive. In addition, we relieve our clients’ regulatory burdens and reduce the complexity of their legacy infrastructures, making their lives significantly easier and saving them substantial costs.

Catering for today’s and tomorrow’s market needsBesides traditional payment services (issuing, acquiring, intra- and interbank payment processing), our platforms are also built for m-payments, instant payments, e-payments, e-mandates and e-identity transactions. Some examples of the extended scope of our services:

OvumOvumTMT intelligence |

“As a platform, Worldline Pay has the capability to expand much more broadly as a

global solution and as such stands out today as a Market leader in the CMS space. For these reasons, Worldline

Pay should be strongly considered for shortlisting as part of any CMS

vendor-selection exercise.”

Superior licensing solutions

The advanced and highly flexible Worldline Pay platform is recognized

as a market-leading Card Management System (CMS) solution by virtue of its

capability to expand as a global solution. It is a widely accepted, easy-to-use,

dependable and feature-richpayment instrument.

A service model that fits your strategy

Use our flexible and scalable service portfolio tailored to your strategy. You can opt for full or partial Business Process Outsourcing (BSP or ASP) or choose the Licensing option:

• Business Service Providing (BSP) Complete outsourcing: equensWorldline provides the manpower and hosts the tailor-made technical environment

• Application Service Providing (ASP) Partial outsourcing: the client’s staff operates the technical environment, which is hosted by equensWorldline

• Licensing equensWorldline delivers the application; the client takes care of staffing and hosting.

XS2A: secure access and efficient connectivity Europe’s forthcoming PSD2 (revised Payment Services Directive) will include an Access-to-Accounts rule that will require European banks to facilitate third-party access to any bank account in the SEPA area –enabling payments and providing account information to third-party apps – if the account holder wishes. equensWorldline is able to help its clients by offering white-label Payment Initiation or Account Information services and validation services to support the newly requested workflows for XS2A, such as authentication, authorization and signing services. In addition, we are helping to set up the Controlled Access to Payment Services (CAPS) framework to provide banks with an efficient way to connect with third-party providers. We will offer reach towards banks and third parties through this integration layer with standard APIs, easing the integration process for all parties.

Flexible and multi-purpose routing platformWith ten years’ experience in routing services with iDEAL and with extensive knowledge of SEPA payment regulations, equensWorldline has developed a strong solution, integrating other OBeP schemes like MyBank. Our Platform is flexible and can be updated to deliver new services such as e-identity checks, on top of e-payments and e-mandates.

Instant payments: full end-to-end offeringInstant payments, also called ‘immediate’ or ‘real-time’ payments, offer very interesting use cases, ranging from mobile P2P, immediate bill payments, all the way up to high value payments. equensWorldline is unique in its ability to support its customers along the entire payments value chain, from initiation of payments and outsourced back office payments processing, including value added services such as fraud detection and alias conversion services, up to interbank clearing and settlement services with pan-European reach.

Mobile Banking: build a unique customer experienceWL Mobile Banking offers an innovative and comprehensive catalogue of services to build a unique customer experience on either a smartphone or tablet and for any operating system. Based on an agile digital banking platform, WL Mobile Banking boosts banks’ innovations in terms of payments, security or bank account management, with a customizable mobile experience, so they can capture all of their customers’ digital moments.

Mobile and contactless payments: seamless across EuropeToday, mobile payments, at the core of retail business, boosted by NFC and HCE technologies, provide a balance between security and seamlessness in the payment experience. equensWorldline brings the best innovation, with the security of card scheme certification, customizing its solutions to each country’s specific requirements.

Security: transactions you can trustequensWorldline offers a broad panel of solutions for securing in-store and e-/m-Transactions. The ACS (Access Control Server) platform for Internet payments and strong authentication methods is complemented by solutions, experts and tools to prevent fraud.

Worldline 2015 Reports

To learn more

Worldline 80 quai Voltaire, Immeuble River Ouest 95870 Bezons

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Worldline 80 quai Voltaire, Immeuble River Ouest 95870 Bezons

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About usWorldline [Euronext:WLN] is the European leader and a global player in the rapidly evolving payments and transactional services industry. Worldline’s innovations and new-generation services enable its customers around the world to engage end consumers and process their transactions securely and efficiently.

Worldline delivers end-to-end support and financial transactions expertise to customers based on more than 40 years of experience. Its unique and flexible business model is built around a rapidly growing global portfolio.

Three Global Business Lines – Merchant Services & Terminals, Financial Processing & Software Licensing, Mobility & e-Transactional Services – deliver customized services to customers.

In 2016, Worldline joined forces with Equens, a major European payment services provider, resulting in the creation of equensWorldline, a new unit within Worldline’s Financial Processing & Software Licensing business, and confirming the company’s position as undisputed leader of Europe’s payments industry.

Worldline also acquired Equens’ Merchant Acquiring subsidiary, PaySquare, thereby gaining an important Merchant Services advantage in several new countries, all with huge payment potential, and strengthening its leadership in integrated and comprehensive multi-channel solutions.

worldline.com

Interested? Let’s get in touch!

E sales-ew@equensworldline.com T +31 (0)88 385 60 06