TOURISM INNOVATIVE PAYMENT SOLUTIONS. Efficient, flexible, worldwide and secure

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1 TOURISM INNOVATIVE PAYMENT SOLUTIONS Efficient, flexible, worldwide and secure

2 2 THE FUTURE OF PAYMENT FOR THE TOURISM AND TRAVEL BUSINESS

3 The PERFECT PARTNER Wirecard is one of the world s leading independent providers of payment solutions. As a long-standing partner of numerous major airlines and travel ope - ra tors, Wirecard competently supports its customers in the tourism industry. Whether an airline, cruise company, tour operator, travel agency, hotel or logistics provider, with 85 different payment and security modules and our own bank licence, we can develop the right offline, online and mobile solutions for you. We are guided by your individual requirements and the highest security standards. We provide the best solution, which is most cost-effective for you and can be easily integrated and used. As a long-standing partner of numerous major airlines and travel operators, Wirecard has acquired special expertise in the tourism industry. The strategic partnership with IATA is just one example that proves this. 3

4 SERVICE FROM A SINGLE SOURCE Lasting success in the tourism industry also depends on offering sufficient choice of national and international payment methods. With the right products and solutions for protection against payment default, sales can also be increased. 4

5 MULTICHANNEL SOLUTIONS Our payment platform makes it possible to carry out multichannel sales with comprehensive functions. We therefore ensure the end-to-end process in your value creation is guaranteed. ACQUIRING Because we have a full bank licence, our portfolio includes acceptance contracts for almost all credit cards as well as a number of alternative payment methods. ISSUING With our diverse physical and virtual credit card programmes, we offer flexible, efficient tools that allow you to increase income. RISK AND SECURITY We offer intelligent fraud recognition and fraud protection systems that reduce the risk of payment default for all payment methods. 5

6 MULTICHANNEL SOLUTIONS ONE SINGLE INTERFACE Wirecard supports multichannel sales for all business models in the tourism industry via one payment platform. With the connection to BSP, we also offer an additional sales channel. From interfaces with diverse account management functions for initial contact with end consumers to payouts to customers, we support the end-to-end process of the value creation chain in all sectors. As a rule, customers with complex systems have a single contact at Wirecard. Clear allocation ensures the control of payment amounts, payments due and the reconciliation of bookings with payments. Uniform data is always transferred via all channels. This allows us to guarantee secure payment flow and improved efficiency. 6

7 Multichannel solutions make it possible to cover up to 100% of sales channels relevant to the sector. E-Commerce M-Commerce Mail and telephone order Point of sale/over-the-counter business Travel agencies BSP and AR 7

8 MULTICHANNEL SOLUTIONS MULTICHANNEL PLATFORM Whether e-commerce, m-commerce, mail and telephone order, travel agency or over-the-counter business, our global payment platform supports worldwide multichannel sales. It makes payment flows more secure and increases efficiency of payment processing. All payment data is available centrally, in an up-to-date and consistent format. With the connection to BSP, we also offer an additional sales channel. PAYMENT PROCESSING AT POS TERMINALS In the tourism industry, business success essentially depends on being able to offer target market and target group payment options, regardless of the point of sale. With one of the largest payment portfolios for the tourism industry, we offer flexible, scalable solutions for all relevant sales channels along the entire value creation chain. You benefit from maximum security in business conducted both nationally and internationally. dddd 8

9 NATIONAL AND INTERNATIONAL PAYMENT METHODS Together with the Wirecard Bank, we offer a wide range of payment methods worldwide. This includes credit cards, online bank transfers, payment by direct debit, purchase on account, instalment purchase, e-wallets, prepaid vouchers and mobile payment individually or combined. Our range of payment methods is suitable for all types of business model and makes it easier to tap into new target groups and international markets. END-TO-END SOLUTIONS Our process-oriented solutions range from payment and reconciliation, reporting and administrative functions, to integration in existing systems: whether accounting, debtor management, enterprise resource planning (ERP) or logistics. All payment data for downstream processes is therefore available. This makes it possible to manage and fully automated processes and information flows in a controlled way. 9

10 ACQUIRING TRANSPARENT PROCESSING Wirecard holds a global airline licence and a European acquiring licence. As an independent service provider, we can offer connection to a number of international payment methods, such as credit cards and country-specific payment options. All business processes can therefore be covered without any effort. Diverse integration options and plugins allow easy implementation in booking systems and company processes. With our bank s multi-currency management, we offer a key tool for business success from a single source. 10

11 Our acquiring solutions make it possible to connect with 99% of all credit card companies. Global licence for the airline industry Acquiring licence for Europe Worldwide network of acquiring partners Multi-currency management Fully automated reconciliation 11

12 ACQUIRING INTERNATIONAL CARD ACCEPTANCE With several billion cardholders around the world, credit and debit cards are the most common cashless payment method. Together with the Wirecard Bank and your acquiring partners, we allow you to offer credit cards for virtually all organisations: simple, secure and at a low cost. This allows you to improve your competitiveness, expand your customer base and tap into sales potential worldwide. MULTI-BRAND ACQUIRING In order to guarantee the acceptance of credit and debit cards, retailers must conclude the relevant acceptance contracts. Wirecard Bank s acquiring licence simplifies the process for being able to accept credit cards and offers contracts with the leading card organisations: American Express, China UnionPay, Diners Club, Discover, JCB (Japan Credit Bureau), MasterCard, UATP and Visa. 12

13 PAYMENT SERVICE PROVIDER (PSP) As a cooperation partner of numerous card organisations and financial institutions, in addition to payment acceptance, we also offer payment processing, including security procedures MasterCard SecureCode and Verified by Visa (3-D Secure). This full service provides efficient access to a global system, with maximum possible security and transparency. MULTI-CURRENCY MANAGEMENT The Wirecard Bank operates in 69 countries and offers cost-optimised currency management: 150 transaction currencies and simple, affordable access to national business and foreign currency accounts as well as online banking. This allows you to avoid currency conversion losses and structure smooth-running, cost-effective global payment flows. 13

14 ISSUING WIDE RANGE OF CARD PROGRAMS We develop fast, secure and cost-effective segment and customer-specific card solutions for international payment flows, for example, intermediaries between booking plat forms or tour operators and service providers such as hotels and airlines. A new virtual card is generated for each booking process. The processes are then completed automatically. As a result, manual booking reconciliation, invoicing and payment allocation are not required. Whether multi-purpose or closed-loop cards, virtual or plastic, our range of services encompasses cards for almost all needs. It includes innovative prepaid and payout cards, NFC stickers for contactless payment and SIM card provisioning for NFC-enabled smartphones. Our comprehensive white label programme allows you to design your card to meet your personal requirements. 14

15 Payment fees can be reduced by up to 72% versus SWIFT transfers with our issuing solutions. Issuing licence for the entire SEPA Issuing by Visa, MasterCard, Maestro, CUP and UATP Virtual credit and debit cards Physical credit and debit cards Co-branding cards 15

16 ISSUING INNOVATIVE CARD PRODUCTS Wirecard offers a wide selection of modern credit cards, whether multi-purpose or closed loop cards, virtual or plastic. We have developed payout cards for suppliers and commission payments specifically for the tourism industry. In addition, we provide card solutions specially tailored to segments and customers. The Wirecard Bank has an issuing licence for the entire SEPA and offers both card issu ing and acceptance from a single source. PAYOUT CARDS (SCP) International payments to service providers, such as hotels and airlines, are one of the payment challenges in this industry. With our virtual payout cards in 27 currencies, the process is quick, costeffective and automated. The payment amount is available on the card in just a few seconds and is completed punctually and in full. The booking reconciliation is also automatic. 16

17 CO-BRANDED CARDS With our personalised cards, companies working in tourism are strengthening customer loyalty and increasing their brand presence. Additional services, such as customer-specific im ages (lifestyle card) vouchers and loyalty points add further value to the card. The Wirecard Bank is the only financial ser vice provider in Germany to offer co-branded cards available to order online. PREPAID CARDS Wirecard s wide range of virtual and physical prepaid cards includes voucher, gift and shopping cards. Branded cards featuring the corporate design of the retailers and private label cards as retailers own brand product are possible as part of our white label programme. Our virtual cards can be generated online (instant issuing) and can be topped up in a variety of different ways. 17

18 RISK AND SECURITY FAST AND SECURE SCORING Wirecard s risk and security solutions enable reliable protection against fraud and payment default. Our solutions al low you to synchronise your data and financial flows beyond country and continent borders. The decentralised data storage ensures accordance with respective national data protection regulations at all times, regardless of where you might be based. Our Fraud Protection Suite is based on highly efficient analytics and provides fast and reliable detection of attempted fraud in the payment process. Our risk and security tools comply with international security standards such as the PCI- DSS Guidelines. External systems can be easily adapted to the PCI standards. Through the innovative encryption tech - nology known as tokenization, credit card data is replaced by reference values and securely transferred on all channels. 18

19 Our Fraud Prevention Suite can stop fraud from card payments by up to 99%. National and international Wide range of solutions Fraud prevention One single interface Seamless integration 19

20 RISK AND SECURITY MAXIMUM PAYMENT SECURITY In the global tourism business, payment and data security are decisive factors for success. Wirecard s risk management effectively prevents data abuse, card fraud and payment default, both nationally and internationally. Our modular solutions can be simply and easily integrated into existing systems and processes, providing reliable protection for all common payment methods. DATA PROTECTION On the basis of international standards, including PCI-DSS, and the latest technology, Wirecard offers the best possible protection for payment data: from transfer and storage to synchronisation beyond country and continent borders. Cloud- based solutions also support decentralised data stor age. This security measure limits the risk of data loss and simplifies the implementation of national data protection guidelines. 20

21 FRAUD PREVENTION With the Fraud Prevention Suite, Wirecard has developed individually configurable fraud protection. Effective analytics quickly and reliably identify fraud attempts. Wirecard s Fraud Prevention Suite can stop fraud from card payments by up to 99%. The newly identified fraud patterns can also be automatically integrated into rule processing. Added to this is a user friendly web application for case management and reporting. TOKENIZATION Our innovative encryption tokenization technology improves data protection and saves you the cost and effort of PCI audits. Wirecard s security server ensures sensitive card data is stored in compliance with PCI-DSS regulations. From the POS to the booking system, you work exclusively with reference numbers (tokens) which minimises the risk of data abuse and protects both you and your customers. 21

22 22 WIRECARD. REINVENTING PAYMENT.

23 Wirecard is one of the world s leading independent software and IT specialists of outsourcing and white label solutions for electronic payments and issuing of card and account products. We already offer more than 14,000 customers across a wide range of industries 85 different payment and risk management solutions in more than 150 transaction currencies, as well as transparent reporting services in real time and support in developing international pay ment strategies, whether offline, online or mobile. 23

24 Wirecard AG Einsteinring Aschheim Germany T +49 (0) F +49 (0) [email protected]