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

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Postbank P.O.S. Transact

Secure and efficient card acceptance and card payments.

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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

Cashless payment in the form of card transactions has become an indis-pensable part of point-of-sale trading, and gives e-commerce a scope it would not otherwise have.

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.

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

E-commerce sales are a very fast-growing branch of the retail sector.

30 20 10 2012 2011 1999 0 EUR billions What we do

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Viele Vorteile ein Ziel: Zahlungsausfälle reduzieren, Risiken vermindern.

Und das möglichst ohne Umsatz im Handel zu verhindern.

Vertrauen. Die Deutsche Postbank AG als starker Partner.

Nicht einfach Abrechnung. Wir kümmern uns um Sie.

Sicher. proActive, Next- Generation Fraud Management. Aktiv. Wir entwickeln unsere

Sicherheit ständig weiter.

Immer am Puls der Zeit. Durch innovative Produkte.

Günstig. Konto und Karten-akzeptanz aus einer Hand.

Welcome to Postbank P.O.S. Transact GmbH, your card acceptance partner.

We focus on your requirements and your business to provide the right solutions.

We develop effective card acceptance and card payment offers that you can easily integrate into your business processes.

We understand your business.

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What we do

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Trust. Deutsche Postbank AG is a strong, reliable partner.

Sicher. proActive, Next- Generation Fraud Management. Aktiv. Wir entwickeln unsere

Sicherheit ständig weiter.

Security from strength. Behind Postbank P.O.S. Transact GmbH is a strong partner: We are a wholly owned subsidiary of Deutsche Postbank AG and benefit from its efficient infrastructure and international network.

Security from trust. Studies show that users and providers still have a high level of trust in banks.

Security from know-how. With around 14 million customers and 19,000 employees, Deutsche Postbank AG is one of the largest financial service providers in Germany. The work of its corporate client and business client

segments focuses on its core competencies.

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.

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Secure. proActive, next-generation fraud management.

Aktiv. Wir entwickeln unsere Sicherheit ständig weiter.

Postbank without proActive Postbank with proActive

Average card fraud in E-commerce

Security beats risk. The benefits associated with credit cards bring with them an element of risk for retail. There is a risk of fraudulently obtained card details being used, resulting in the loss of goods or services.

Security through proActive. proActive works in advance to make sure criminal ideas, strategies and attacks come to nothing.

Secure and intelligent. Our well-networked fraud specialists make possible optimum solutions for you.

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.

Secure and helpful. Our fraud management team provides workshops, webinars and fraud consulting. VIP reporting is also possible.

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What we do

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tirelessly

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We do not just bill you. We look after you.

Active. We are continually developing our security.

Security is flexible. Slimline structures, extensive knowledge of cashless payment methods and a high level of motivation allow us to quickly adapt to new circumstances.

Security is experienced. A team of experts with years of market experience and clear objectives meet all the requirements of debit card and credit card acceptance, smart card and customer card processing, terminal devices and secure online payment methods.

Security is forward-looking. Comprehensive fraud simulations based on transactiondata are possible and are based on a very extensive history of transactions.

Security is active. By cooperating with card organizations, banks, industry organizations, the police and law enforcement agencies, we are always fully up-to-date.

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Security through partnership. Through our large network of sales partners and by collaborating with organizations and experts, we understand the needs of the market.

Security through adaptation. By collaborating with our customers, we effectively and efficiently meet their needs.

Security through transparency. Ticker reports and studies keep our customers up-to-speed on all cash-free payment issues.

Security through service. Online information is complemented by quick, expert and personal phone-based support.

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Many benefits – one goal: to reduce failed payments and risks.

And not to get in the way of sales if at all possible.

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Postbank P.O.S. Transact

Postbank P.O.S. Transact GmbH Frankfurter Strasse 71–75 D-65760 Eschborn

100 % chlorine-free bleached pulp POS 201-031-2012

Valid at: February 2013

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

[email protected] www.postransact.com