I N V E S T O R P R E S E N T A T I O N. J u n e 5,

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1 I N V E S T O R P R E S E N T A T I O N J u n e 5,

2 S A F E H A R B O R Certain statements in this presentation may be considered forwardlooking statements, such as statements relating to future events and financial performance and management s views with respect thereto. Forward-looking statements are subject to inherent risks, uncertainties and other factors which could cause actual results to differ materially from historical experience or from future results expressed or implied by such forward-looking statements. More details about these risks and uncertainties, are included in our Annual Report on Form 10-K and our other filings with the Securities and Exchange Commission, which you should review. These filings are available through the investor relations section of our website at VeriFone is under no obligation to, and expressly disclaims any obligation to, update or alter its forward-looking statements, whether as a result of new information, future events, changes in assumptions or otherwise. 2

3 #1 or #2 in most markets Active in more than 20M systems 110 countries installed globally $1.9B in FY 12 60% of the world s EMV-enabled systems revenue 35% of revenue from services Founded 1981 in Honolulu, Hawaii 3 Headquarters in San Jose, California

4 V E R I F O N E O F F E R S A S O L U T I O N For Merchant Operated, Consumer-Facing and Self-Service Payment Systems MARKETS Retail POS Petroleum POS Restaurant & Hospitality Hotel & Resorts Taxi POS Healthcare Transit POS SOFTWARE/GATEWAY SOLUTIONS Consumer Facing Countertop Peripherals HARDWARE SOLUTIONS Unattended and Outdoor Portable Mobile Gateways PAYware Connect PAYware Express PAYware Merchant Mobile & Retail PAYware Mobile GlobalBay SECURITY SERVICES PAYMENT ENABLED MEDIA POS Integration VeriFone Retail360 PAYware SIM PAYware Link PAYware STS Networking VeriFone View IntelliView LogARithm Issuing & Acquiring PAYware CMS Estate Management VeriFone HQ VeriCentre PAYware Vision ETMS VeriShield Total Protect VeriShield Remote Key VeriShield RetainEMV PTS 2.0, PTS 3.x, PA-DSS 1.2 Local certifications Point All-in-One Managed Services VeriFone Connect Professional Services: Deployment, Training, Repair and Support Site Certification Staff Training Terminal Management VeriFone Media VNET - VeriFone Digital Network PAYMEDIA for SMBs PAYMEDIA for Petro & C-store PAYMEDIA for Taxi PAYMEDIA Mobile Marketing Platform PAYMEDIA UAP PAYMEDIA for ATM VALUE ADDS NFC/Contactless Mobile Wallet Gift Card Intelligent Loyalty Telco Top-Up Advertising Digital Couponing Prepaid Merchant Reporting Settlement Web Browsing Multimedia Enabled Online Payment Device Management Dedicated Vertical Applications International Financial Services Data Analytics Consumer Analytics

5 O U R L E A D E R S H I P T E A M Richard A. McGinn Interim CEO Marc E. Rothman EVP Chief Financial Officer Albert Liu EVP Corporate Development & General Counsel Lazy Yanay EVP Chief Operations Officer Jennifer Miles President VeriFone Americas Johan Tjärnberg President VeriFone Europe Bulent Ozayaz President VeriFone Southern Europe, Russia, Middle East & Northern Africa Zvi Mitlanski President VeriFone Asia Pacific Jay Parsons SVP Digital Media & Taxi Operations

6 O U R VA L U E S Invest in our people Enable the success of our customers and partners Lead in innovation and product development Achieve operational excellence Provide an open platform to leverage the intellectual power of the development community 6

7 O U R C O M M I T M E N T T O R & D FY2012: Total R&D spend of $139 million FY2013: $10 million increase in quarterly R&D run rate 1,700+ employees devoted to R&D 30+ years of design, certification knowledge Investment focus: Next gen wireless, unattended and mobile POS Tablet mobile point of sale (mpos) Cloud-based management information systems Open platform expansion 7

8 G R O W T H V I S I O N : A S I M P L E E Q U AT I O N Investing in the growth of our Core business. Pursuing Services opportunities in key regions and verticals. Becoming the leader in Mobile retail through our direct and indirect channels. 8

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10 THE G O O D O L D D AY S For decades, managing payments was simple. There was no such thing as PCI or mobile commerce. All a retailer really needed was a simple machine to capture credit card information 70 s 80 s - 90 s Early 2000 s First dial transactions Visa, MC, Amex, Diners Credit Only Mag-stripe Online authorization 4 brands, regional debit Mag-stripe Fraud Emerges High speed Debit takes off Mag-stripe remains in US EMV Launches in Europe 10

11 T O D AY S C O M P L E X R E A L I T Y Global products have to meet ever more stringent global security standards and a myriad of form factors, local requirements, certifications and regulations Form Factor Specific to Retail Segment Country-Specific Security Certification EMV Level 1 & 2 Local Bank/Acquirer Certifications PCI-PTS 3.0, PA DSS, SRED, P2PE Local Debit Networks New schemes (NFC, QR code, cloud) Local Customizations and Requirements NFC/Contactless Level 1 & 2 Local Support and Service 11

12 C E R T I F I C AT I O N S C R E AT E C O M P L E X B A R R I E R S For example, a single product sold in the United Kingdom requires no less than 20 certifications to be sold into the market VX 680 Portable Payment System Global Certifications 1. Smartcard EMV Level 1 2. Smartcard EMV Level 2 3. Contactless EMV Level 1 4. Contactless EMV Level 2 5. PA-DSS 6. PCI-PTS PCI Secure Read and Exchange of Data 8. PCI Point to Point Encryption 9. Mastercard m/chip Visa Paywave 11. Amex ExpressPay Regional Certifications 12. UK Common Criteria 13. Orange/T-Mobile Network 14. Vodafone Mobile Network Mobile Network Local Certifications 16. Worldpay Banking Class A 17. HSBC Banking Class A 18. Elavon Banking Class A 19. Barclaycard Banking Class A 20. First Data (Lloyds, AIB) Class A 12

13 A N D E A C H I N D U S T R Y R E Q U I R E S U N I Q U E S Y S T E M S Retail Fast, flexible solutions that integrate into ECR and back-end systems Petroleum In-store, mobile and installed fuel point-ofsale solutions Restaurant & Hosp. Secure countertop and portable systems for payment at the table, counter or curb Hotel & Resort Convenient, swift and secure systems across properties; mobile, tablet and interactive kiosks Taxi Secure in-cab payment systems Healthcare Enhanced revenue cycle management systems, with strict regulatory and compliance requirements Transit Rugged, customizable transit POS systems 13

14 E M E R G I N G M A R K E T O P P O R T U N I T I E S VeriFone has an enviable footprint, with 38% of revenue from emerging markets economies and is well positioned to benefit from growing opportunities Conversion to electronic payments Turkey: Complete market re-terminalization to ECR-enabled POS devices Russia: 450K+ unit tender with Sberbank, the country s largest bank Emerging Markets 38% USA 28% Brazil: 2014 World Cup, 2016 Olympics India: Under-developed payments infrastructure Other Developed Markets 34% Q2 FY 2013 LTM 14

15 P E N E T R AT I O N O F S Y S T E M S POS Installed Devices Per 1,000 People Source: VeriFone Estimates U.S. Australia Spain Turkey Italy UK/Ireland Canada Brazil France South America Germany Mexico Russia China India Tremendous runway due to low POS penetration & high consumer growth potential in many large countries

16 U. S. E M V RE- T E R M I N A L I Z AT I O N & TA M I N C R E A S E In 2015, fraud liability will shift to U.S merchants not accepting EMV (chip card) payments, causing a re-terminalization of the market and an approximately 50% increase in the total addressable market TODAY: 7-8 million* customer-facing point of sale devices (5 million VeriFone) POST MIGRATION: 3-4 million* Hotels, quick service, fast casual, coffee shops and other hospitality businesses that will require customer-facing POS devices. U.S. TAM Before EMV Migration U.S. TAM After EMV Migration *Source: VeriFone Estimates 16

17 T H E M A R K E T L E A D E R I N U. S. M U LT I L A N E Dominant market position drives ability to shape and monetize change 75% share of top 200 U.S. multi-lane retailers 12 customer awards from incumbent competitor in Q2 no losses 150K MX 900 series units shipped in first 12 months of life (vs. 22K in first 12 months of MX 800 series) 50% expected increase in U.S. TAM from EMV MX 915 MX

18 P E T R O P O S S Y S T E M S At the pump in the store Secure forecourt POS C-store cash register systems Countertop POS devices VeriFone is the world leader in secure payment solutions for the petroleum industry 18

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20 M O V I N G C O M P L E X I T Y T O T H E C L O U D A N D E N A B L I N G VA L U E A D D E D S E R V I C E S F O R M E R C H A N T S VeriFone services include: Payments-as-a-service Advertising and paymentenabled media Gateway services End-to-end encryption Estate management Petroleum and C-store management 20

21 PAY M E N T S - AS- A - S E R V I C E Combining core systems, software and services into an All-in-One, 100% subscription-based model Mobile commerce & contactless Helpdesk & support Security Service & maintenance 97.5% retention rates 70% recurring POS device & accessories Connectivity Value added services ecommerce Software & applications 21

22 A D V E R T I S I N G A N D PAY M E N T - E N A B L E D M E D I A Managing the customer lifecycle and influencing purchase behavior and retention through targeted content 22

23 TA X I A D V E R T I S I N G A N D T R A N S A C T I O N S Enabling taxi payment and delivering advertising content inside and outside cabs in 77 cities across 17 countries 23

24 G AT E WAY S VeriFone s cloud-based gateways provide secure routing for billions of transactions annually, and enable the delivery of additional value added services 24

25 E N D - TO- E N C R Y P T I O N VeriFone s end-to-end encryption technology, VeriShield Protect, is a comprehensive cardholder data protection solution. VSP reduces the complexity of PCI compliance and preserves retailers brand reputations. It is the industry standard for processors handling 84% of U.S. transaction volume. Global Payments 3% Elavon 4% WorldPay 4% Heartland 4% Chase Paymentech 12% Market Share, U.S. Transaction Volume Top 100 Processors* TSYS 2% Vantiv 15% Other 10% First Data (and Alliances) 46% Source: Nilson Report, March

26 E S TAT E M A N A G E M E N T Reducing total cost of ownership for the terminal estate: Content Management Device Management Remote Diagnostics 26

27 P E T R O L E U M A N D C - S T O R E S O F T WA R E Out of 100,000 gas stations in the U.S., 65% use VeriFone s Petroleum convenience store systems 85% of customers are enrolled in annual software maintenance program Additional ongoing services revenue from real-time data reporting and analysis tools, productivity software and helpdesk support 27

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29 29 A complete family of mobile payment acceptance systems to turn any smart device into a secure point of sale

30 A comprehensive suite of mobile retail software applications for the next generation of retailer-to customer interaction MOBILE POS Eliminate the checkout line MOBILE INVENTORY Manage merchandise in real time RETAILING Leverage online presence in-store 30 CLIENTELING Deepen the customer relationship

31 AN M P O S A P P L I C AT I O N F O R S M A L L M E R C H A N T S GlobalBay Merchant: a new ios application capable of turning an ipad into a mobile point of sale available to small merchants through VeriFone channel partners 31

32 C O M P L E T E S O L U T I O N S F O R A L L M E R C H A N T S E G M E N T S Tier 1 Large Retailers (Direct Sales) HARDWARE PAYWARE MOBILE FOR LARGE RETAILERS SOFTWARE GLOBALBAY ENTERPRISE SUITE Tier 2 Mid-size Chains (Direct Sales) Tier 3 Small Chain (Direct & Indirect Sales) Tier 4 Mom and Pop (Indirect Sales) PAYWARE MOBILE FOR SMALL BUSINESS PAYWARE MOBILE FOR SMALL/MICRO MERCHANTS GLOBALBAY MERCHANT Tier 5 Micro Merchant (Indirect Sales) 32

33 M O B I L E WA L L E T S O V E R V I E W VeriFone enabled 80% of retailers taking Mobile Wallet payments Merchants purchase VeriFone software upgrade with Google, ISIS, PayPal or any other wallet For NFC wallets, merchants buy VeriFone NFC HW upgrade over one million shipped in 12 months Full integration of mobile offers, coupons and loyalty into merchant systems 33

34 M A N Y M O R E M WA L L E T S A N D A LT. PAY M E NTS C O M I NG U P All wallets meet at the point of sale, with multiple technologies, business models and functionality 34

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36 O U R P L AT F O R M VeriFone s expansive open platform is the most efficient way to deliver new technologies such as mobile wallets, loyalty and offers to the point of sale Open architecture and SDKs, enabling the convergence of value added services at the point of sale Millions of in-lane, mobile and ecommerce touch points, including 20 million installed POS devices Cloud-based services, such as end-toend encryption and estate management, that reduce payments complexity 36