Amadeus Worldwide Payment Acceptance One link to a world of payments Name Department Date

Ambitions What would be the best growth scenario for your company? 265ced1609a17cf1a5979880a2ad364653895ae8 Ambitions What would be the best growth scenario for your company? Which markets are you currently serving? Which markets would you like to serve? What is your actual conversion rate? What are your plans to increase it? What would be the outcome of developing your online business? Which would be the main consequences of serving a new market? Which would be the main challenges? How do you deal with the payment complexity when entering a new market? What are the main Payment related issues with your e-commerce? Multiple links Fraud Implementation How do you manage potentially fraudulent transactions? How does your back office manage transactions? All the questions provided in the slide are meant to: Understand the ambitions of the customer; Likely a TA would like to expand to other markets but has issues like: Find and negotiate an agreement with the local acquirer if they don’t already have one serving that market Setting up the link with the PSP/ acquirer Fraud management; fraud is different from each country! Define customer’s benefits and challenges of getting in a new market. These questions should help the commercial in defining the key criticalities for the customer and the potential perceived value of our solution Understand how does the customer manages (if they have already a solution) all these challenges internally. Pay specific attention to all the solutions that involve manual checking or manual work  our solutions allows significant back office cost reduction Keep in mind the main benefits of our solution: Global reach… (market expansion) …with one link! (reduced technical issues) Easy switch to different acquirers (Reduced cost of sales/ Acquirer fee) If Fraud solution is included Professional fraud screening (reduces revenue leakage due to chargeback) Increased sales conversion ( by rejecting less false positives)

1 Introduction © 2014 Amadeus IT Group SA

Payments is global and complex 71% - Cards 18% - E-wallets 11% - Others North America Europe 59% - Cards 13% - E-wallets 29% - Others South America 47% - Cards 10% - E-wallets 43% - Others 37% - Cards 23% - E-wallets 43% - Others Asia-Pacific 37% - Cards 23% - E-wallets 43% others Africa 34% - Cards 5% - E-wallets 61% - Others E-commerce Mix by Payment Type (2 examples for each region): Europe Germany Card: 21% Bank transfers: 5.6% Direct debits: 22.1% E-wallets: 13.3% Mobile: 1.7% Other: 36.3% Spain: Card: 70% Bank transfers: 7.6% Direct debits: 1.7% E-wallets: 7.2% Mobile: 0.3% Other: 13.2% LATAM Brazil Card: 59% Bank transfers: 4.9% Direct debits: 5% E-wallets: 4.5% Mobile: 0.6% Other: 26% Mexico Card: 30.5% Bank transfers: 29.9% Direct debits: 1.2% E-wallets: 17.3% Mobile: 0.1% Other: 21.0% APAC: China Card: 15% Bank transfers: 20.4% Direct debits: E-wallets: 44.3% Mobile: 1.9% Other: 18.4% Japan Card: 56% Bank transfers: 3.5% Direct debits: 0.9% E-wallets: 6.6% Other: 32.7% ME Malaysia Card: 50% Bank transfers: 20.3% Direct debits: 0.5% E-wallets: 3.3% Other: 25.6% Indonesia Card: 26% Bank transfers: 39% E-wallets: 2.7% Other: 31% Africa Egypt Card: 6.4% Bank transfers: 7.3% Direct debits: 0.2% E-wallets: 2% Mobile: 2.1% Other: 82% South Africa Card: 37.5% Bank transfers: 5.2% E-wallets: 3.9% Mobile: 13.3% Other: 39.6% NORAM US Card: 71.5% Bank transfers: 0.7% Direct debits: 1.9% E-wallets: 17.6% Mobile: 1.2% Other: 7.1% Canada Card: 65% Bank transfers: 3.3% Direct debits: 1% E-wallets: 23.3% Other: 7.2%

Payments is risky Credit card fraud is biggest payment-related challenge for many online travel agencies The average fraud rate is higher for online travel agencies than other travel players Info eduardo Previous salesheet TA specific Nico Source: “The state of play in online travel” PhocusWright and Cybersource

Payments is constantly evolving Changing regulations Many new entrants CASH DELIVERY ON Explain more about regulation Remove apple pay Which one should you connect to? How do you keep track?

Thousands of banks, card schemes, methods of payment Which acquiring bank gives you the reach you need? Which provides you with the best deal? Does your current acquiring bank give you access to markets you have not yet entered?

2 One link to a world of payments © 2014 Amadeus IT Group SA

Amadeus knows Travel Payments A team of dedicated travel payments experts Payments authorised in 200 countries in 2013 Amadeus has processed travel payments since 1992 but we are creating a new business unit Close to 300 payment customers worldwide Credit card transactions worth 75 billion Euros processed in 2013 Alfonso

Amadeus Worldwide Payment Acceptance helps you: Secure your business We provide multiple links to a single acquirer: if one link fails we can route your payment through a fallback-link Easily enter new markets no need to research the right payment options and build specific links to remote acquiring banks. Reduce the cost of integrating and maintaining your payment links we enable you to access 267 acquiring banks and methods of payment around the world. Reduce the cost of tracking payment transactions by providing a single centralised management tool, Amadeus Payment Manager, which gives access to all transactions worldwide, independently of the acquiring bank or the link used. Reduce your payments costs switch easily between different acquiring banks.

Single Web Services link Amadeus Payment Platform Nearly 300 acquiring banks worldwide All major card schemes Card Authorisation, Reversal and Payment Refunds Retry and fall-back functionality Direct payments to the best acquiring bank for your business Authentication checks, including security code and 3D Secure Single Web Services link Your travel agency Amadeus Payment Platform

Amadeus Worldwide Payment Acceptance Connect to your desired Payment Service Providers Card Authorisation obtains instant payment authorisation for Visa, MasterCard, Diners Club, JCB, American Express, Union Pay and UATP credit cards. Reversal and payment refunds facilitates the cancellation of payments by offering quick and easy reversal and refunds, meaning that your customers are never left out of pocket. Retry and Fall-back Functionality re-directs the transaction to the same acquirer using a different link if a payment transaction fails.

Amadeus Worldwide Payment Acceptance Define acceptance for your business needs Pre-defined routing for payment processing allows you to route each payment to the most appropriate acquiring bank, according to criteria such as merchant ID, vendor, market, country, and currency. This enables you to make a significant cost saving. Authentication checks verify that the purchaser is the owner of the card and is in possession of the payment card at the time of purchase. Security code for Visa, MasterCard, American Express, Discover, Diners Club and JCB Address Verification Service for Visa, MasterCard and Discover (USA issued cards only) and for American Express (worldwide) 3D Secure: our own 3D Secure merchant plug-in allows any travel agency using Amadeus Worldwide Payment Acceptance to benefit from the security of 3D Secure authentication without additional certification.

Amadeus Fraud Management 265ced1609a17cf1a5979880a2ad364653895ae8 Amadeus Fraud Management “Trust, but verify” A fraud check conducted by a leading fraud-screening partner integrated into the Amadeus booking process: Increase your sales and improve customer satisfaction by rejecting fewer genuine transactions Enter new markets where your incumbent fraud management system does not address local fraud Review by eduardo Reduce costs by automating the ticketing and fraud-check process

3 Implementation © 2014 Amadeus IT Group SA

Implementation cycle Implement web services for integration with booking engine in the case of Amadeus Front Office applications, implementation has already been done Define and set-up business rules Test Agree commercials Technical scoping Go live!

4 Pricing © 2014 Amadeus IT Group SA

Pricing model Amadeus Worldwide Payment Acceptance Implementation fee Recurring fees per payment authorisation Two contracting options: Sub-contracting: Amadeus manages commercial relationship with Payment Providers, included in bundled transaction fee Referral model: TA manages commercial relationship with preferred payment providers; payment provider fees not included in transaction fee. The pricing is limited to “no-gap” solutions – exceptions requiring additional bespoke development (adding links not already covered by APP) are studied separately

Pricing model Amadeus Fraud Management option Implementation fee Recurring fees per transaction screened for fraud to cover on-going maintenance and processing costs TA should have a separate agreement with the Amadeus Payment Platform Fraud partner. 3rd party fraud partner fees not included in Amadeus recurring fees. The pricing is limited to “no-gap” solutions – exceptions requiring additional bespoke development (adding links not already covered by APP) are studied separately

Contact us For more information about Amadeus Worldwide Payment Acceptance please contact your local Amadeus representative For more detailed functional information contact Amadeus Product Management by e-mail: travel.payments@amadeus.com

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