benefits for me Secure and efficient card acceptance and card payments. Postbank P.O.S. Transact

benefits for me Secure and efficient card acceptance and card payments. Postbank P.O.S. Transact

What we do Cashless payment in the form of card transactions has become an indispensable part of point-of-sale trading, and gives e-commerce a scope it would not otherwise have. E-commerce sales are a very fast-growing branch of the retail sector. EUR billions 30 20 10 0 1999 2011 2012 In 1999 it was worth EUR 1.25 billion in Germany. By 2011 this had increased to EUR 26.1 billion, and in 2012 the figure is around EUR 30 billion, with further growth anticipated. 1 The payment method with the greatest growth potential in e-commerce is the credit card. 2 1 German Retail Federation/Statista 2012. 2 Study by E-Commerce-Center Handel 2012/IZH6 with the support of Postbank P.O.S. Transact GmbH. 3 ibi research Universität Regensburg GmbH, 2012. 4 Study by EHI Retail Institute, April 2012. More than half of online merchants already offer credit card payments. 27.3 % of merchants surveyed reported a higher proportion of new customers after introducing credit card payments. Credit cards come first out of all the payment methods that merchants are planning to introduce. Online merchants who accept payment by credit card want to continue doing so. 3 Consumers want the credit card option Because they are so quick and easy to use, credit cards are very popular with consumers. There are over 30 million credit cards in use in Germany alone, with over 400 million transactions being processed every year. This figure too is rising all the time. In online retailing, credit cards are the second most popular payment method after purchase on account. 4

The benefits with Postbank P.O.S. Transact GmbH Vertrauen. Die Deutsche Postbank AG als starker Partner. Welcome to Postbank P.O.S. Transact GmbH, your card acceptance partner. Sicher. proactive, Next- Generation Fraud Management. We focus on your requirements and your business to provide the right solutions. Aktiv. Wir entwickeln unsere Sicherheit ständig weiter. We develop effective card acceptance and card payment offers that you can easily integrate into your Nicht business einfach Abrechnung. processes. Wir kümmern uns um Sie. We understand your business. Günstig. Konto und Kartenakzeptanz aus einer Hand. practical Immer am Puls der Zeit. Durch for me innovative Produkte. Viele Vorteile ein Ziel: Zahlungsausfälle reduzieren, Risiken vermindern. Und das möglichst ohne Umsatz im Handel zu verhindern.

What we do trustworthy for me

The benefits with Postbank P.O.S. Transact GmbH Trust. Deutsche Postbank AG is a strong, reliable partner. Sicher. proactive, Next- Generation Fraud Management. Security from strength. Behind Postbank P.O.S. Transact GmbH Aktiv. Wir is entwickeln a strong unsere partner: We are a wholly Sicherheit owned ständig subsidiary weiter. of Deutsche Postbank AG and benefit from its efficient infrastructure and international network. Nicht einfach Abrechnung. Wir kümmern uns um Sie. Security from trust. Studies show that users and providers still have a high level of trust in Günstig. banks. Konto und Kartenakzeptanz aus einer Hand. Security from know-how. With around 14 million customers and 19,000 employees, Immer am Puls der Zeit. Deutsche Durch Postbank AG is one of the largest innovative Produkte. financial service providers in Germany. The work of its corporate client and business client segments focuses on its core competencies. Viele Vorteile ein Ziel: Zahlungsausfälle reduzieren, Risiken vermindern. Und das möglichst ohne Umsatz im Handel zu verhindern. Security from synergies. We can achieve more when we work together through our innovative capacity and flexibility plus the Deutsche Postbank AG infrastructure and network.

What we do vertrauenswürdich success for me

The benefits with Postbank P.O.S. Transact GmbH Trust. Deutsche Postbank AG is a strong, reliable partner. Secure. proactive, next-generation fraud management. Average card fraud in E-commerce Viele Vorteile ein Ziel: Postbank without proactive Zahlungsausfälle reduzieren, Postbank with Risiken proactive vermindern. Aktiv. Wir entwickeln unsere Security beats risk. The benefits Sicherheit associated ständig weiter. with credit cards bring with them an element of risk for retail. There is a risk of fraudulently obtained card details being used, Nicht resulting einfach Abrechnung. in the loss of goods Wir kümmern uns um Sie. or services. Security through proactive. proactive works in advance Günstig. to Konto make und sure Kartenakzeptanz come aus einer to Hand. criminal ideas, strategies and attacks nothing. Secure and intelligent. Our well-networked fraud Immer am specialists Puls der Zeit. make Durch possible optimum solutions for you. innovative Produkte. Secure and unerring. proactive can be ideally tailored to the individual requirements and needs of small, medium, large or even international merchants. Secure and thorough. Our real-time and near-time fraud management is already included in the basic package. Positive and restricted lists are also possible. Und das möglichst ohne Secure and helpful. Our fraud management Umsatz im Handel zu team provides workshops, webinars and fraud verhindern. consulting. VIP reporting is also possible.

What we do vertrauenswürdich erfolgreich tirelessly working for me

The benefits with Postbank P.O.S. Transact GmbH Trust. Deutsche Postbank AG is a strong, reliable partner. Secure. proactive, next-generation fraud management. Active. We are continually developing our security. We do not just bill you. Security is flexible. Slimline We structures, look after you. extensive knowledge of cashless payment methods and a high level of motivation allow us to quickly adapt to new circumstances. Günstig. Konto und Kartenakzeptanz aus einer Hand. Security is experienced. A team of experts with years of market experience and clear Immer am Puls der Zeit. Durch objectives innovative meet Produkte. all the requirements of debit card and credit card acceptance, smart card and customer card processing, terminal devices and secure online payment methods. Viele Vorteile Security ein Ziel: is forward-looking. Comprehensive Zahlungsausfälle fraud simulations based on transactiondata are reduzieren, possible Risiken and are based on a very extensive vermindern. history of transactions. Und das möglichst ohne Security is active. By cooperating with card Umsatz im Handel zu organizations, banks, industry organizations, verhindern. the police and law enforcement agencies, we are always fully up-to-date.

What we do vertrauenswürdich erfolgreich unermüdlich partners for me

The benefits with Postbank P.O.S. Transact GmbH Trust. Deutsche Postbank AG is a strong, reliable partner. Secure. proactive, next-generation fraud management. Active. We are continually developing our security. We do not just bill you. We look after you. Günstig. Konto und Kartenakzeptanz aus Through einer Hand. our Security through partnership. large network of sales partners and by collaborating with organizations and experts, we understand the needs of the Immer market. am Puls der Zeit. Durch innovative Produkte. Security through adaptation. By collaborating with our customers, we effectively and efficiently meet their needs. Viele Vorteile ein Ziel: Security through transparency. Ticker reports Zahlungsausfälle and reduzieren, studies Risiken keep our customers up-to-speed on all vermindern. cash-free payment issues. Security Und das möglichst through ohne service. Online information is Umsatz complemented im Handel zu by quick, expert and personal phone-based verhindern. support.

What we do vertrauenswürdich erfolgreich unermüdlich partnerschaftlich benefits for me

The benefits with Postbank P.O.S. Transact GmbH Trust. Deutsche Postbank AG is a strong, reliable partner. Secure. proactive, next-generation fraud management. Active. We are continually developing our security. We do not just bill you. We look after you. Many benefits one goal: to reduce failed payments and risks. And not to get in the way of sales if at all possible.

Postbank P.O.S. Transact GmbH Postbank Service Kartenakzeptanz D-90314 Nürnberg Phone: +49 228 55 00 58 11 Fax: +49 228 55 00 58 22 kreditkarten@postransact.de www.postransact.com Postbank P.O.S. Transact GmbH Frankfurter Strasse 71 75 D-65760 Eschborn Postbank P.O.S. Transact 100 % chlorine-free bleached pulp POS 201-031-2012 Valid at: February 2013