Payment Cycle Introduction

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Payment Cycle Introduction Payment Cards Payment Cycle Introduction bs@bulentsenver.com

Card Payment Cycle bs@bulentsenver.com

Across The Payments Spectrum Talking Points The TSYS solutions and services support the entire payment spectrum, for any payment type. This diagram identifies specifically our areas of specialty. The presenter will talk to the direct sales opportunity as it fits in this schema. And make reference to the fact that there is more to offer. This is the chance to show that we’ll be doing solutions-based selling – meeting the customer’s needs and not throwing our entire product base in the deal if it does not offer value to the client. It does allow the customer to ask questions about the entire payments spectrum. You’ll want to have a general idea of what each circle entails in case a question is asked. Notes on Usage This slide is not required, however it shows the “OneTSYS” view of our services so it is recommended unless it is a very specific niche customer who would have NO use for knowing our breadth of service. bs@bulentsenver.com

Supported card product types Support issuance of Magnetic stripe and Chip (VSDC/M/Chip) cards: Credit Revolving Charge Debit Corporate Pre-paid Instalments Affinity Cards Proxy / Virtual Cards (e-Card) Private label (profiled cards) Co-Branded Cards Payroll Cards Health Cards Remittance Cards Travel Cards Gift Cards Custom Electronic Purse bs@bulentsenver.com

Credit Card Authorisation and Clearing System Flow bs@bulentsenver.com

Credit Card Authorisation and Clearing Types 1. Local Card used in Counrty On-Line 2. Local Card used in Counrty On-Line- On-Us 3. Local Card used in Counrty Off-Line 4. Local Card used outside of Counrty - Method 1 5.Local Card used outside of Counrty - Method 2 6. Foreign Card used in Counrty – Method 1 7.Foreign Card used in Counrty – Method 2 bs@bulentsenver.com

BKM Switch System BKM Switch Sistemi ACQUIRER ISSUER BANK-A ACQUIRER BANK-B ISSUER BKM Switch Sistemi BANK-C bs@bulentsenver.com

Credit Card On-Line Authorisation Local Card used in Turkey Credit Card On-Line Authorisation BANK-B ISSUER BANK-A ACQUIRER BKM A.Ş. Approve/Reject Approve/Reject I want to pay with my Credit Card Card Holder Merchant Approve/Reject bs@bulentsenver.com 8 POS machine of A Bank Credit Card of B Bank

Authorisation if Issuing Bank can not respond to BKM query Local Card used in Turkey BANK-A ACQUIRER BKM A.Ş. Approve/Reject I want to pay with my credit card Based on Predetermined Limits Approved by Issuing Bank to be used in case of lack of communication of BKM with the acquiring bank Approve/Reject Merchant bs@bulentsenver.com 9 İŞYERİ POS machine of B Bank Credit Card of B Bank

On-Us Transactions Local Card used in Turkey Approve/Reject Merchant BANK-A ACQUIRER Credit Card of A Bank Approve/Reject I want to pay with my credit card POS machine of A Bank Merchant bs@bulentsenver.com 10 Card Holder

BKM A.Ş. Local Card used outside of Turkey Issuing Bank routes it first toBKM and BKM routes it to Visa or MasterCard Method 1 BANK-B ISSUER VISA/MC BKM A.Ş. Approve/Reject Approve/Reject Approve/Reject International Authorisation Process is executed I am a Turkish citizen. I want to use my card outside of Turkey Local Card Holder BKM can only handle the Authorisation. Cleaing and Settlement should be done with VISA and MasterCard Approve/Reject Foreign Merchant bs@bulentsenver.com 11

Issuing Bank routes it directly to Visa or MasterCard Method 2 Local Card used outside of Turkey Issuing Bank routes it directly to Visa or MasterCard Method 2 BANK-B ISSUER VISA/MC Approve/Reject Approve/Reject International Authorisation Process is executed I am a Turkish citizen. I want to use my card outside of Turkey Local Card Holder Approve/Reject Foreign Merchant bs@bulentsenver.com 12

BKM A.Ş. Foreign Card used in Turkey If Issuing Bank is not a Local Bank the Acquiring Bank routes it first toBKM and BKM routes it to Visa or MasterCard Method 1 BANK-A ACQUIRER VISA/MC BKM A.Ş. Approve/Reject Approve/Reject Approve/Reject I am a foreigner. I would like to pay with my credit card in Turkey Merchant Approve/Reject bs@bulentsenver.com 13 İŞYERİ POS machine of A Bank Credit Card of a Foreign Bank

Foreign Card used in Turkey If Issuing Bank is not a Local Bank Acquiring Bank routes it directly to Visa or MasterCard Method 2 BANK-A ACQUIRER VISA/MC Approve/Reject Approve/Reject I am a foreigner. I would like to pay with my credit card in Turkey. Merchant Approve/Reject bs@bulentsenver.com 14 POS machine of A Bank Credit Card of a Foreign Bank

CREDIT CARD TRANSACTION Domestic Reconciliation/Settlement BKM BKM - YTHS OUTGOING TAKAS DATA B BANK OUTGOING TAKAS DATA A BANK INCOMING TAKAS DATA + O/I REPORS ACQUIRER ISSUER INCOMING TAKAS DATA + O/I REPORTS Central Bank TCMB SALES INFORMATION BKM FUND TRANSFER STATEMENT PAYMENT BKM HESABI PAYMENT CREDIT CARD TRANSACTION MERCHANT PRODUC/SERVICE bs@bulentsenver.com 15 CARD HOLDER 15

Debit Card Online POS Authorisation Flow (Domestic & International) Visa/MasterCard International Purchase International Authorisation International Authorisation Payment Schemes: MasterCard Visa Cardholder Merchant Acquirer Domestic Purchase Domestic Authorisation (BKM ISO8583 format) International Authorisation International Authorisation BKM Domestic Authorisation (BKM ISO8583 format) International Authorisation (BKM ISO8583 format) Issuer (Authorisation Institute) bs@bulentsenver.com

Debit Card Online Clearing & Settlement Flow (Domestic) Domestic Clearing (BKM format) Domestic Purchase Cardholder Merchant Acquirer Net Settlement Domestic Clearing (BKM format) BKM Net Settlement Domestic Clearing (BKM format) Central Bank* Issuer Net Settlement * All Acquirers & Issuers including BKM have Clearing Bank accounts within the Central Bank, therefore funds simply transfer between accounts. bs@bulentsenver.com

Secure e-Payment Infrastructure Banks Banks EST Secure e-Payment Gateway Customer 3D Secure Storefront API’s Reporting Fraud Protection Payment bs@bulentsenver.com

Future of Payments Further erosion into cash and other non card payments Need to ensure balance between parties to foster growth Risk will continue to be major concern Regulators will continue to oversee New technologies and channels Mobile Voice Contactless E-payment Maximisation of the chip on the card bs@bulentsenver.com