ACCURACY• Pinpoints fraud by

combining customized ruleswith machine learning andpredictive and behavioralanalytics

• Exposes emerging trendsthrough global fraud dataand intelligence

• Connects merchants toexpert, results-driven riskanalysts

EFFICIENCY• Reduces losses by cutting

chargebacks, false positivesand manual reviews

• Enables merchants to scaleup to meet multi-channeldemand

• Powers real-time andretrospective fraud screeningfor continuous detection

• Consolidates transactiondata into actionableintelligence

GROWTH• Allows frictionless payments

to drive revenue and loyalty

• Enables safe expansion intonew business avenues

• Adapts to new channels,payment types and salestrends

ACI ReD SHIELD®INTELLIGENT FRAUD MANAGEMENT; PROTECTING MERCHANTS ANYTIME, ANYWHERE

FEATURES AT A GLANCE

ReDi provides a powerful analytical view of transaction trends, allowing merchants to monitor their payment activities and make more accurate business decisions.

ACI ReD Shield® is an intelligent, real-time fraudmanagement solution customized to the requirementsof major eCommerce merchants. Delivered as a managed service through an expert team of experienced riskanalysts, ReD Shield provides instant, accurate decisions on all transactions across channels, geographies andpayment types. The solution’s interactive self-service business intelligence portal, ACI ReDi ™, provides an invaluable window into transaction data, enabling merchants to continuously monitor and refine their fraud prevention rules to stop fraud faster.

2

THE MARKET CHALLENGE

ReD SHIELD LETSMERCHANTSCONTINUALLYMONITOR, LEARNAND REFINETHEIR FRAUDSTRATEGIESANYTIME, ALLTHE TIME. THE ACI ReD SHIELD® SOLUTION

UNRIVALLED INTELLIGENCE

Consumers are increasingly engaging with merchants through multiplechannels, using an ever-expanding choice of payment methods. Withthe demand for ever-faster order fulfillment, within and across borders,comes heightened exposure to fraud risk and complex fraud managementchallenges.

To protect and grow business online, merchants need an agile fraudmanagement solution closely tailored to their individual needs, capable ofevolving and scaling with their business. A solution that enables genuineorders and promotes customer loyalty, while reducing fraud losses andminimizing costs.

ReD Shield is a real-time, multi-tiered fraud solution delivered tomerchants via Worldline. It utilizes machine learning models, predictiveand behavioral analytics, customer profiling techniques and shared datato support valuable transactions and identify and isolate potentiallyfraudulent ones. The platform delivers a holistic business solution thatreduces fraud and chargebacks, protects revenues, supports growth andenhances the customer experience by reducing false positives andmanual reviews.

ACI’s continuous investment program ensures that ReD Shield remainsfast, robust and can scale to meet the challenges merchants face aseCommerce and multi-channel demands continue to grow. Investing inthe latest technology and third-party connections enables ACI to deliverbest-in-class, agile solutions which support the business success ofmerchants.

ReD Shield is underpinned by a wealth of fraud intelligence, which isaccessible by all merchants who use the solution. ACI holds its owncontinuously updated, proprietary screening database, which can be usedto accept, challenge or deny transactions for merchants. This intelligenceenables merchants to build extensive customer profiles and a moreaccurate view of their transactions — both good and bad.

3

The ReD Shield business intelligence portal, ReDi, equips merchants witha valuable window to changing fraud patterns, the impact of fraud rulesand rule changes (including those in silent mode), as well as the abilityto analyze these trends, down to the individual transaction level. Fraudprocessing activities can be monitored in near-real time or viewed aslonger term trends, providing valuable insight that can be used to improvethe performance of internal fraud teams, as well as in the development ofmarketing and channel strategies and business expansion plans.

ACI RFX™, the retrospective screening capability within ReDi, enables there-screening of live orders against new fraud intelligence received into theACI database. This gives merchants the opportunity to block fraudulentactivity at di�erent points during the lifecycle of the transaction — enablingthem to detect and shut down fraud faster.

MANAGED BY EXPERTS It is the expertise of ACI's team of risk analysts that really di�erentiates theReD Shield solution. Their analysts ensure that the ReD Shield service isprecisely tailored to the needs of each vertical and even individual merchants,depending on requirements. The team is a global one, giving merchants anunrivalled view of fraud trends, as well as ensuring they can be supportedanywhere in the world.

4

WWW

LEARN MORE

ACI and ReD Shield are trusted by some of the world's biggest brands. ACI's merchant base includes leading retailers, gaming companies/digital merchants, OTAs, telecommunication companies and other major eCommerce merchants.

With 40 years’ experience building, implementing and operating paymentsystems, and more than 20 years delivering fraud management solutionsglobally, no other fraud vendor has the same holistic set of tools, or the depth, breadth and experience of ACI.

ACI Worldwide, the Universal Payments (UP) company, powers electronic payments for more than 5,100 organizations around the world. More than 1,000 of the largest financial institutions and intermediaries, as well as thousands of global merchants, rely on ACI to execute $14 trillion each day in payments and securities. In addition, myriad organizations utilize our electronic bill presentment and payment services. Through our comprehensive suite of software solutions delivered on customers’ premises or through ACI’s private cloud, we provide real-time, immediate payments capabilities and enable the industry’s most complete omni-channel payments experience.

© Copyright ACI Worldwide, Inc. 2017ACI, ACI Worldwide, ACI Payment Systems, the ACI logo, ACI Universal Payments, UP, the UP logo, ReD,PAY.ON and all ACI product names are trademarksor registered trademarks of ACI Worldwide, Inc.,or one of its subsidiaries, in the United States,other countries or both. Other parties’ trademarksreferenced are the property of their respectiveowners.

AFL6565 11-17

ABOUT WORLDLINEWorldline [Euronext: WLN] is the European leader in the payments and transactional services industry. Worldline delivers new-generation services, enabling its customers to offer smooth and innovative solutions to the end consumer. Key actor for B2B2C industries, with nearly 45 years of experience, Worldline supports and contributes to the success of all businesses and administrative services in a perpetually evolving market. Worldline offers a unique and flexible business model built around a global and growing portfolio, thus enabling end-to-end support. Worldline activities are organized around three axes: Merchant Services, Mobility and e-Transactional Services and Financial Services including equensWorldline. Worldline employs more than 9,100 people worldwide, with estimated pro forma revenue of more than €1.5 billion on a yearly basis.

ONLINEPAYMENTS@WORLDLINE.COM

WWW.WORLDLINE.COM

WORLDLINE GLOBAL