3-D Secure. Security standard developed by Visa and MasterCard for the authentication of online card payments. Acquirer/acquiring bank

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1 3-D Secure Security standard developed by Visa and MasterCard for the authentication of online card payments Acquirer/acquiring bank A financial institution that concludes an agreement with merchants for the acceptance of credit cards as a means of payment for goods and services and which settles card payments for merchants. Alternative payment methods These mostly comprise non-card based payment methods such as payment services, wallets, vouchers and bank-account based or prepaid methods. Billing and Settlement Plan (BSP) The most widespread system in the world for simple processing of airline ticket sales. Bluetooth low energy (BLE) This technology facilitates data transmission over distances of up to ten metres. Using microtransmitters (beacons) for the connection, this technology offers innovative location-related services. Checkout Page A web-based, PCI-compliant payment page for simple and secure acceptance of credit cards and other national and international means of payment. End customers input their data into a website hosted by Wirecard to make online payments. Checkout Seamless This integrated payment page makes it possible to directly integrate all relevant input fields for payments seamlessly into online shop interface. CNP, Card Not Present Card transaction in which the card is not physically presented to the merchant, e.g. for an orders in long-distance trading (online or MOTO). Co-branded card A co-branded card is a card issued by a licensed card issuer which bears the design of a third party company. Fraud Prevention Suite (FPS) Wirecard s risk management system which identifies suspicious data and/ or behaviour patterns in real time and effectively prevents fraud. Host Card Emulation (HCE) Makes it possible to carry out secure, NFC-based transactions for payments and services via mobile apps, regardless of whether a physical secure element (SE) is available on the mobile phone. All data generated during a transaction is stored in a secure centralised server.

2 glossary In-app payment In-app payment refers to payment for goods or services via a mobile terminal in connection with a mobile application. Customers can store their desired payment type, such as credit cards or alternative payment methods, in their user account and can make one-click payments the next time they log in. Issuer/issuing bank Financial institution which issues payment cards (credit, debit and prepaid cards) as a member bank of the card organisations and receives transactions from its cardholders from other member banks or merchants. Loyalty and couponing Serve to control specific marketing campaigns, based on card transactions. Mobile card reader The card reader is a mobile add-on device which is attached to smartphones or tablets, turning the device into a payment terminal. Mobile payment Includes, for example, the payment of digital or physical merchandise or a service on the mobile phone (payment on mobile/in-app payment) using the mobile phone (mobile at the point of sale) or the mobile phone as the payment terminal (mobile as the point of sale). Mobile wallet A mobile wallet managed via the mobile phone. Various digital cards can be stored in a mobile wallet. MOTO, Mail Order/Telephone Order The purchase of goods or services, with the purchase order issued by phone or in writing by fax or using an order card. mpos, mobile point of sale Payment with a mobile device and a mobile card reader. Near field communication (NFC) technology NFC technology is the wireless transfer of data over a short distance (near field). NFC sticker Bridge technology to equip smartphones with contactless technology. NFC stickers can be attached to the rear of the mobile terminal and used to initiate payments in connection with a mobile wallet. OTA, Over-the-Air Wireless transmission of data Payment service provider (PSP) A company which receives electronic payment transactions for merchants etc., authenticates these, processes them and in this regard also provides the merchant with the corresponding software, if required.

3 PCI DSS PCI DSS (Payment Card Industry Data Security Standard) is a security standard initiated by VISA and MasterCard for merchants and payment service providers who process credit card payments using their systems, or which store or transfer card data. Personal identification number (PIN) Secret number that is only allocated to one single card, which enables the card holder to confirm a POS payment or to access their account using a cashpoint. Prepaid card Has all of the features of a standard credit card and mostly licensed by VISA or MasterCard on a prepaid basis. Provisioning Storing card data in NFC-enabled smartphones in order to be able to make payments using the mobile phone. The card data is stored on the SIM card or in a secure area of the smartphone. PSP, Payment Service Provider See Payment Service Provider. Risk management Recording and analysing transaction data to minimise the risk of fraud and to protect the merchant against payment default. QR code, quick response code A two-dimensional code which can be scanned by mobile phones using the camera and relevant software (QR code reader). Information is embedded in the code, such as links to websites, for example. SaaS, Software as a Service Demand-orientated provision of software applications (download) SCP, supplier and commission payments An automated solution for global payments to companies receiving payments via their credit card acceptance agreement. Secure element (SE) Hardware module in a mobile phone where data can be stored securely. SEPA, single euro payment area Refers to the euro payment area, which currently comprises 34 countries including the 28 EU member states as well as Ireland, Lichtenstein, Monaco, Norway, San Marino and Switzerland. Settlement Processing transactions and depositing the processed transaction with the merchant s contractual bank (acquirer). Settlement currency The currency in which settlement is performed in a bank account.

4 glossary SP-TSM, Service Provider Trusted Service Manager SP-TSMs ensure secure, smooth connections between the card issuer and an NFC smartphone. Services include adding virtual card data to NFC-enabled SIM cards, and also managing cards in the smartphone. code An 8 or 11-digit international bank sorting code issued by (Society for Worldwide Interbank Financial Telecommunication) to identify a bank in international payment transactions. Tokenisation Sensitive data, such as credit card numbers, is replaced by reference values or tokens. This can be used without restriction by systems and applications, whereas the original data is saved in a secure, PCI-conform data-safe. Trust Evaluation Suite Part of risk management. Through a comprehensive 360-degree assessment, it provides retailers with all relevant information on the consumer in real time and in an automated way. Virtual card A payment card that only comprises a card number, a validity period and a security code, and which can only be used in distance transactions (online, MOTO payments) due to the missing physical features (such as a magnetic strip, EMV chip). Virtual account number A 10-digit, purpose-linked account number with Wirecard Bank AG, comprising a 3-digit constant part and a 7-digit variable part, which can be freely selected by the company and which clearly identifies the designated purpose and the sender. Virtual terminal, Wirecard Checkout Terminal Internet-assisted user interface for payment acceptance (including via MOTO), which is used in call centres, for example. Allows direct payment acceptance without signature by the paying party. Risk management checks are performed as for online payments. WEP, Wirecard Enterprise Portal Wirecard AG s web-based management and reporting application which provides merchants with all the functions needed to manage payment transactions, adding risk strategies, managing card portfolios and creating reports and statistics. White label solution Wirecard solutions which companies create with their own corporate design and offer under their own name.

5 Wirecard PAYMENT SCHEMES The Wirecard Group offers merchants various national and international payment schemes NORTH AMERICA EUROPE, EASTERN EUROPE, russia AsiA/PACIFIC, MIDDLE EAST LATIN AMERCIA africa Payment Method Types Payment Cards: International and domestic card brands Electronic Funds Transfer: Direct Debit Online Banking Payments: Real-time bank transfer Alternative PAYMENT SCHEMES: Wallet, Cash/Voucher, Online/Offline Mobile Services: Mobile payments NORTH AMERICA Express, JCB, UATP, Diners Club, Discover PayPal, Skrill/Moneybookers Wallet LATIN AMERICA Express, JCB, UATP, Diners Club, Discover PayPal, Skrill/Moneybookers Wallet Brazil Hipercard, Aura, Sorocred Transferencia Bradesco, Debito Bradesco Boleto Bancário, Mercado Pago Mexico Visa Electron (domestic card brands) AFRICA Express, JCB, UATP, Diners Club, Discover PayPal, Skrill/Moneybookers Wallet EUROPE, EASTERN EUROPE, RUSSIA Express, JCB, UATP, Diners Club, Discover, China Union- Pay, Maestro (Solo), Visa Electron, SEPA Credit Transfer, SEPA Direct Debit, EBICS PayPal, paysafecard, cashticket, Skrill/Moneybookers Wallet Austria EPS, Direct paybox

6 Belgium, Bancontact/Mister Cash Czech Republic ekonto Denmark Dankort Estonia InstantBank Finland InstantBank France Carte Bleue, Carte Bancaire Germany Direct Debit giropay, RatePay Payment by Installments, RatePay Direct Debit, RatePay Payment on Invoice, Ireland Laser Italy CartaSi, PostePay Netherlands Direct Debit ideal, Poland InstantBank, Przelewy24, Russia Moneta.ru, YandexMoney Spain Sweden InstantBank Switzerland Ukraine Moneta.ru, YandexMoney United Kingdom Cabcharge cards ASIA/PACIFIC, MIDDLE EAST Express, JCB, UATP, Diners Club, Discover, China UnionPay PayPal, Skrill/Moneybookers Wallet Australia Cabcharge cards POLi China 42 domestic card brands Alipay Japan Korea Malaysia Maybank2u, CIMB Clicks New Zealand POLi Philippines Payment cards (8 domestic card brands) Maybank2u, CIMB Clicks Singapore Cabcharge cards, Ez-Link payments enets, Online Banking, Maybank2u, CIMB Clicks Taiwan *to virtual bank accounts Edition April 2014 (Subject to change)

7 IMPRINT PUBLISHER Wirecard AG Einsteinring Aschheim Germany Tel.: +49 (0) 89 / Fax: +49 (0) 89 / contact@wirecard.com Publication date: 9 April 2014 Investor Relations Tel.: +49 (0) 89 / ir@wirecard.com ir.wirecard.com This Annual Report is drawn up in the German language; translations into other languages are made only for informational purposes. In the event the texts diverge, the German text is authoritative. Management report and consolidated financial statements produced with FIRE.sys

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