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CORPORATE PRESENTATION

2021

2021 2

PayCore, Payment Transformation Starts Here

185+ Clients35 COUNTRIES

Provided Globally400+ PROJECTS

60% R&D and Engineering Staff350+ STAFF

5 Support Centers25+ PARTNERS

Chicago

• Sales Office

London

• Sales Office

Dubai

• Sales Office

Warsaw

• Sales Office

Istanbul / Izmir

• Head Office• Sales Office• R&D Center

2021

Since 2011, PayCore won the "Deloitte Technology Fast 50 Turkey, Fastest

Growing Technology Company" award.

PayCore increased its turnover by 25% in 2020.

PayCore serves more than 35 countries, 12 of which are processing.

37% of the actual credit card turnover in Turkey is managed by PayCore

Payment Solutions.

One out of every three credit card transactions in Turkey is managed by

PayCore Payment Solutions.

14 different Smart City projects are governed by PayCore Payment Solutions

in Turkey and around the world.

2021

2021 4

CUSTOMER SEGMENTS

Provides payment systems management infrastructures to banks, financial institutions and e-money institutions as licenses or services.

Financial Institutions

Provides secure infrastructure and operator services for payment systems.

Payment ServiceProviders

Loyalty and campaign management for customer acquisition and promotion activities.

Telecom Operators

Card personalization solutions.

Card Printing Offices

Payment systems, loyalty cards and fraud prevention solutions.

Retail Sector

Cash register POS, payment systems, and transportation payment solutions.

Public Institutions

2021 5

PAYCORE PRODUCT LINES

Card PaymentSolutions

Digital PaymentSolutions

EMVSolutions

Smart CitySolutions

Payment Hardware Solutions

Payment Processing

• Card Management• Loyalty / Campaign

Management• Clearing and Settlement• Transaction Switch• Mass/Instant Card

Personalization• E-commerce Payment

Gateway• Merchant Management • Fraud Detection / Prevention• Taxation Solutions

• Soft POS & Pin on Glass• Wearable - Active /

Passive• Digital Wallet Platform• PSP Payment Gateway• Secure Card Storage• Host Card Emulation

(HCE)• EMV Tokenization

• EMV Data Preparation • EMV Card Testing Suite • EMV Transit

Management• EMV Lifecycle

Management• EMV Level 2 Kernel• Training and Consulting

• Transportation Operator Services

• Stadium Operating Services

• Prepaid Card Management

• EMV Transit Management

• ECR Terminals

• POS Networking • Remote Management

Devices• HSM Monitoring Devices• HSM • Card Printing

• Issuing Services• Acquiring Services• New Generation ECR

Services• Digital Payment Services• Transportation Services

2021

Provides end-to-end services with infrastructure and processes which have PCI-DSS, ISO, VISA, MASTERCARD and BKM’s data security, business continuity and service provider certificates.

PayCore Data Center

Provides end-to-end services with its business continuity competencies and data security, which have the service provider certificates of Visa, MasterCard and BKM and meet the standards of PCI-DSS and ISO.

Customer Data Center

Ability to serve on private cloud platforms approved by PCI-DSS Hosting

CloudPROVIDING COMPLETEPAYMENT INFRASTRUCTURE

2021 7

CLIENT BY REGION

• FIS – USA• FR – BANK OF BOSTON• BROADCOM• VALID USA• MAGTEK• NXP• TABLESAFE

• THALES-SECURITY• DEUTSCHE TELEKOM• THALES-TRANSPORT• MASTERCARD-EU• TREVICA• FEIG• ADVANIDE• IOR• AUSTRIACARD• ETS• NXP

• MASTERCARD• AKBANK• ISBANK• YAPI KREDI• ZIRAAT BANK• GARANTI BANK• FINANSBANK• THY• SODEXO

• DENIZBANK• VAKIFBANK• ODEABANK• BANK SOHAR• AUSTRIACARD• OPET• BP• SHELL

• CBD• BANK SOHAR• EMCREDIT• NI• THE GROUP• TPS

• AVD• AXIS BANK• NIS-ICT• BENEFIT• ISRAEL CREDIT CARDS

• MYCARD• AXIS BANK• CYNOVO• PILLAR TECH• PAYCRAFT• NPCI

• DEMIR-AZB• ASB• YAPI KREDI AZB• MILLI KART• BANK OF AZB

AMERICAS

EUROPE TURKEY

CIS

MEA

APAC

2020 8

CARD PAYMENT SOLUTIONS

2021

2021 9

Card Management• Management of various card products - credit, debit, prepaid cards.• Real time fees, taxes and interests from different channels.• EMV or proprietary magnetic, contact, contactless, cloud or mobile payment cards.• Transaction restrictions, velocity checks and required risk controls during online

authorization

Related Products: Card Management, Clearing and Settlement, Internet PaymentGateway, Fraud Detection and Prevention

Transaction Management• Driving financial and non-financial transactions via POS, ATM, Kiosk or Validator.• Management and Monitoring of mass terminals networks including POS, ATM, Kiosk

or Validator.• Transaction routing in between acquirers, issuers and network schemes, VISA,

MASTERCARD, AMEX, DINERS, UPI, JCB.• Transaction authentication and authorization for magnetic, EMV contact /

contactless, cloud or mobile payment cards.

Related Products: Transaction Switch, Merchant Management


2021 10

Customer Acquisition and Retention• Flexible loyalty and campaign management solution• Real time loyalty functionalities including points, miles, installments, RFM counters,

discounts cash backs and vouchers.

Related Products: Loyalty and Campaign Management

Card Personalization• Instant card personalization solution for credit, debit and prepaid cards in branches

or merchant locations less than 45 seconds.• Mass card personalization solution for card personalization offices or issuer banks• Vendor agnostic platforms on card plastic providers and personalization machine

vendors

Related Products: Mass/Instant Card Personalization


2021

• Fourth largest bank by asset size and the largest credit card issuer in Turkey,

• Operating internationally in the Netherlands, Russia and Azerbaijan.

• Bank manages its card and terminal portfolio using PayCore Payment Solutions since 2014.

Functional Renovation

CARD PAYMENT SOLUTIONS CASE STUDY – TURKEYYAPI KREDİ

Infrastructure Renovation

• Real time fees, loyalties and campaigns• Ease of new card product development• Faster service implementations• EMV contact, contactless, mobile support

• High available system with rate of 99.99%• More than 2.000 transactions per second• Average response time of 60ms

USAGE AND COVERAGE

46MEMV Cards

450KPayment Terminals

150+Card Products

120+Loyalty Programs

2021

• Turkey's first public bank, ranked 102nd in the “Top 1000 World Banks” survey of Financial Times’

The Banker and 371st in the Forbes Global 2000 lists as of 2008.

• The bank operates 1,011 branches domestically, giving it one of the largest branch networks in Turkey.

• Bank’s international network comprises United Kingdom, Bahrain, Turkish Republic of Northern

Cyprus, Republic of Ireland, Germany, Netherlands, France, Switzerland Shanghai and Cairo.

Functional Features

CARD PAYMENT SOLUTIONS CASE STUDY – TURKEYİŞ BANK

Prepaid Card Management

• Prepaid Card Management• Credit Card Management• Issuing Switch• Card Management• Loyalty and Campaigns• Clearing and Settlement• Dispute and Chargebacks

• Debit & Prepaid• EMV & Open loop• Contact & Contactless• General Purpose Prepaid• Gift Card• No name / personalized• Wide range product definitions

USAGE AND COVERAGE

350K+Pos

Terminals

15M+CreditCards

12M+Debit/Prepaid

Cards

100+Loyalty

Products

120+Card

Products

2021

The Turkish Income Authority introduced new legislation in 2013 requiring Electronic Cash Registers

(ECRs) to be connected to the Revenue Administration.

Regulation addresses new generation POS terminals which have both Electronic Cash Register (ECR)

and POS terminal facility.

All transactions initiated from terminals are acquired by Trusted Service Manager (TSM) and transactions

are sent to the acquirer financial institution and Income Authority at the same time.

Bank Applications

CARD PAYMENT SOLUTIONS CASE STUDY – TURKEYECR

Value Added Services

Multiple banking applicationAll financial and non-financial POS transactionsBank brand sharing loyalty functionalities

Parking payment applicationsAirtime top-up for telecom operatorsFood card payment service providersRestaurant order management system

USAGE AND COVERAGE

129K+PaymentTerminals

162K+PaymentsApplication

2020 142021

DIGITAL PAYMENT SOLUTIONS

2021 15

Easy Checkout During Electronic Commerce• Easy and secure payments for cardholders during online payments for electronic and

mobile commerce. Securely storing tokenized accounts and updating card datacaptured from online consumers.

• Consumers create an account once and then speed through checkout with a singlelogin, without having to re-enter their card or delivery details at every visit.

Related Products: Secure Card Storage, Digital Wallet Platform

Payments using Connected Devices• Easy and secure payments using any connected device.• Wearable devices with contactless payment technology allow consumers to tap and

pay.• Connected cars enable drivers to make secure payments from their entertainment

system.• Home appliances entertainment systems with payment integrations.• Any device with an internet connectivity is a way to pay.

Related Products: Soft POS & Pin on Glass, Wearables-Active/Passive, Digital Enablement Platform


2021 16

Mobile Financial Services and Payment Gateway• Customer and cardholder profiling and Secure Card Store based on PCI DSS

standards.• Payment gateway for transactions initiated by mobile application, m-commerce or

e-commerce domains.

Related Products: Secure Card Storage, Payment Gateway

Retail and In-Store Payments using NFC• Mobile users can use their NFC-enabled smartphone to make contactless payments.

Using the same technology we can provide;• NFC based contactless mobile payments on retail shops• Transport ticketing during journey for public transportation• Enablement of access control while using mobile device like a contactless key card• Informative or loyalty actions using passive tags on smart posters.

Related Products: Soft POS & Pin on Glass, HCE, Digital Enablement Platform, EMV Tokenization


2021 17

With PayCore Soft POS, Transform Smartphones and Tablets Into POS Terminals

• Soft POS is an application that migrates smartphones and tablets into an EMVcompliant POS terminals.

• The application works on Android devices, needs only Handset with NFC Technology.• Accepts contactless EMV payments on smartphones and tablets, just like a traditional

POS device.• Device independent.• Only 3G/4G or Wi-Fi connection is required.• Supports Mastercard, Visa, Amex, Discover, Rupay ve domestic schemes• Accepts all EMV based contactless cards (credit, debit, prepaid etc.) and digital

wallets. (ApplePay, AndroidPay, Samsung Pay etc.)• Compliant with all security standards including PCI DSS.• The first application will be launched in Poland in cooperation with Samsung and First

Data.


SOFT POS

2021 18

• MasterPass by Mastercard is a digital wallet service that makes online shopping safe, easy, and

convenient.

• MasterPass stores all your payment and shipping information in one central, secure location.

• With MasterPass, you can shop, click, and checkout faster online.

• PayCore provides MasterPass solution and business operations on behalf of Mastercard for

4 countries.

DIGITAL PAYMENT SOLUTIONS CASE STUDYMASTERCARD

USAGE AND COVERAGE

20+E/M Commerce

Domains

20M+Monthly

Transactions

700K+CardsStored

Country NumbersTurkey 447

Azerbaijan 288Ukraine 239

2021 19

PayCore has established a digital wallet for

• Payments

• Transit tickets

• Money transfer

• Market place for SMEs

based on multiple form factors like mobile handset and wearables across UAE.

UAE residents will be able to

• Transfer money

• Make in-app, in-store and transportation payments

• Pay their electricity, water, gas bills and school tuitions

• And much more through their mobile phone.

DIGITAL PAYMENT SOLUTIONS CASE STUDY – UAENATIONAL WALLET

USAGE AND COVERAGE

10+E/M Commerce

Domains

10M+Monthly

Transactions

8M+CardsStored

* Projections in 2 years

2020 20

EMV SOLUTIONS

2021

2021 21

Payment Card and Terminal Applications• Contact and contactless EMV based card acceptance libraries (EMV L2 Kernel) for

payment terminals (POS, ATM, KIOSK etc.) which is network scheme (VISA,MASTERCARD, AMEX, DINERS, UPI, JCB) certified.

• EMV based or proprietary payment acceptance terminal application (L3 Application)for POS terminals.

• EMV based or proprietary payment applications running on secure elements placedon plastic cards, mobile handsets, computer laptops or special mobile authenticationdevices.

• Quality Control and Testing Platforms for payment instruments, payment terminalsand transaction hosts.

Related Products: EMV Tokenization, EMV Data Preparation, EMV Card Testing Suite,EMV Transit Management, EMV Lifecycle Management, EMV Kernel, Training andConsulting

EMV SOLUTIONS

2020 22

SMARTCITY SOLUTIONS

2021

2021 23

Open Loop Public Transportation• Renovation of AFC (Automated Fare Collection) providers to migrate their existing

systems having open loop schemes VISA, MASTERCARD, EMV, RuPay etc.• Credit, debit and prepaid bank cards can be used for payment of public

transportation, bank channels are used for top-up and balance / transaction view.• All risk and transaction management is done, integration to AFC system for fare

calculation.

Related Products: Transportation Operator Services, Prepaid Card Management,EMV Transit Management

Tax Collection Solution for Governments• New generation POS terminals has both Electronic Cash Register (ECR) and POS

terminal facility.• Central solution for Revenue Administration for processing real time payment

transactions initiated by new generation ECR/POS payment terminals.• Real time process of payment data, fraud checks, merchant-based trend reports,

real time integration with stock critical goods.

Related Products: Taxation Solutions, ECR Terminals

SMARTCITY SOLUTIONS

2021 24

Turkish Football Federation initiated a project for preventing hooliganism, electronic ticketing,

avoiding long queues for purchase of match tickets. A new card product was designed with credit,

debit and prepaid account facility:

Product supports plastic cards, mobile handset and active / passive wearables at the same time.

SMARTCITY SOLUTIONS CASE STUDY – TURKEYSTADIUM CARD


• Instant card issuing in 45 seconds• EMV Credit, Debit and Prepaid payments• One time or seasonal electronic match tickets

• Public transportation system integration

• Central blacklist driven by government

• Electronic ticketing integration

• Access control to stadiums

• Loyalty and campaign features

• Government driven central black list• Public transportation integration• Card, wearable and mobile handset support

USAGE AND COVERAGE

3MEMVCards

10+Card

Products

20+Loyalty

Programs

2000Trx PerSecond

40msAvg. Response

Time

2021 25

NPCI chose PayCore as the consultant company for generating the standards to be set within the

scope of the National Transport Project.

The contactless cards are issued by Axis Bank for use in public transportation system of Bangalore

and Kochi. New card products operate with RuPay standards, the national transport card system of

India.

The cards can also be used for shopping purposes, including e-commerce transactions with

merchants that accept RuPay cards.

SMARTCITY SOLUTIONS CASE STUDY – INDIANATIONAL TRANSPORT


• Real time fees, loyalties and campaigns• Ease of new card product development• Faster service implementations• RuPay contactless transit cards

USAGE AND COVERAGE

8MRupayCards

2Operating

Cities

500TransactionsPer Seconds

100msAverage

Response Time

2021 26

Izmir is a city with population over 4 million and 1.5 million transit transactions per day across

public busses, subway, light rail and sea transport services. This card is designed as the ultimate

smart city card to enjoy urban life. Residents and visitors can conveniently use their cards in:

Solution also supports acceptance of open loop EMV card plastics and mobile handsets, as well as

wearable devices that can be used for transit payment in all aspects of city.

SMARTCITY SOLUTIONS CASE STUDY – TURKEYCITY CARD

Future Plans

• Usage of wearable devices like wristbands• Usage of mobile handsets for payment• Integration to Open Loop with Mastercard

USAGE AND COVERAGE

• Transportation• City zoo• Open-area parking spaces

• Ice-skating• Pavilion• Smart bicycle rental stations located throughout the city.

3.5MTransitCards

2.200AcceptableTerminals

1.200Top-up

Merchants

500MMonthly

Transactions

2020 272021

PAYMENT HARDWARE SOLUTIONS

2021 28

Unified Communication of Payment Devices• POS and ATM terminal network access controllers for management of high-volume

terminal networks.• Management of transactions, as well as terminal parameter and program download

data.• Consolidation of transaction calls from DIAL/UP, IP and GPRS networks, reports of

success and failure rates

Related Products: POS Networking

Increasing Service Level of Remote Payment Devices• Remote Diagnostic and Management of any kind of Payment Devices and Locations.• Protective diagnostic tool for ATM terminals, branches and data centers.• Collecting environmental data like temperature, humidity, smash, location change

from target device using various sensors and defines protective and informativeactions on a flexible rule set.

Related Products: Remote Management Devices


2021 29

Maintenance• Sales and support activities of leading Hardware Security Devices.• Leading device vendors (THALES and SAFENET) are supported.

Related Products: POS Networking, Remote Management Devices

Availability of Payment Security Devices• New design appliance for "consolidation and real time diagnostic" of mission critical

payment security (HSM) devices.• Regular diagnostic messages to security device for checking status of peripherals

like battery status, transaction statistics, key statistics, HSM utilization etc..• Leading device vendors (THALES and SAFENET) are supported.

Related Products: HSM, HSM Monitoring Devices


2020 302021

PROCESSING SOLUTIONS

2021 31

Payment Processing Services• Develops and processes applications based on the security rules of PCI-DSS and

EMV with highly trained specialized employees and with hardware and softwarewhich applies the physical and logical rules of Visa and Mastercard.

• For business continuity and data security, PayCore Payment Processing Servicesapplies the rules of PCI DSS and ISO

Related Products:

• Issuing Operation Management (Debit, credit, etc.)

• Acquiring Operation Management (ATM, POS, e-Commerce, etc.)

• Cash Register POS Operation Services

• Next Generation Payment Services (Virtual POS, WEB, Mobil, Wallet)

• Pre-paid Card Operation Services

• Transportation Operation Services

• Fraud Operation Services

• System Management and Monitoring

PROCESSING SOLUTIONS

2021 32

APPROVALS AND CERTIFICATIONS

PCI DSSPIN SECURITY

SERVICE PROVIDER MEMBER SERVICE PROVIDERGLOBAL VENDOR CERTIFICATION

PROGRAM (GVCP)

MEMBER AGENTPCI CARD PRODUCTION &

PROVISIONING VE VISA CLOUD BASED PAYMENT SYSTEM

ECR TSM PRIVATE INTEGRATOR ISO9001, ISO14001ISO22301, ISO27001

ISO20000

PCI DSS GDPR

PDPL

PAYMENT AND SECURITY RECONCILIATION SYSTEMS

2021 33

AWARDS

• 2019 Deloitte Technology Winner “Fast50 Turkey”


• 2018 Beetech2018 Best Practices Award “Special Award for Ecosystem Contribution”

• 2018 Gemalto “Best Direct Partner”

• 2018 Celtic-Plus “Excellence Award for Applications” on UPSC Project

• 2017 Deloitte Technology Winner “Fast50 Turkey Technology Special Prize”

• 2016 Silver Stevie, “The most successful woman manager of the year”

• 2016 Thales “EMEA Sales Innovation Prize”

• 2016 Deloitte Technology Winner “Fast50 Turkey Technology Special Prize & Fast500 EMEA”

• 2016 ACT Canada Innovation Prize, Silver IVIE “Stadium Card”

• 2015 TOBB-TEPAV-AllWorld Network “Turkey 100 Contest, The Fastest Growing First Technology

Company”

• 2015 SESAMES, “Best Transportation Application Category Finalist, EMV Transit Management”

• 2015 Deloitte Technology Winner “Fast50 Turkey winner & Fast500 EMEA”

• 2014-2015 EBA European Business Awards “The Business Volume of the Year Category National

Champion & Ruban d’Honneur”

• 2014 ICT Summit Now Design Awards, Payment Systems Software of the Year: Cordis4ACT

• 2014 SESAMES, “Trusted Internet / Authentication Category Finalist”, PayMech Cloud Kernel

• 2014 ICT Summit Now Design Awards, POS Networking Product of the Year: ManageATM

• 2014 Deloitte Teknoloji Winner “Ranked 1 - Fast50 Turkey & Fast500 EMEA”

• 2013 TESID “Innovator and Creator Product of the Year, ManageATM”

• 2013 SESAMES, “e-Commerce Finalist, TV Commerce”

• 2013 ISO, Innovative Awards in the “Human Resources” Category


• 2013 ACT Canada “Best Payment Innovation Prize” (Everlink)

• 2012 Deloitte Technology Winner “Fast50 Turkey & Fast500 EMEA”

• 2012 - 2013 EBA European Business Awards “Innovation Category, National Champion &

Ruban d’Honneur”

• 2011 Deloitte Technology Winner “Fast50 Turkey & Fast500 EMEA”

• 2011 ACT Canada Innovation Award ’’Palmaris Instant Issuance System’’ (Everlink)

• 2010 Zebra Technologies, ’’Best Card Printer Software Award’’, PALMARIS”

• 2010 PSM Payment Systems, “Starts of the Year Prize, Product of the Year PROCEED”

• 2010 Mastercard, "In Turkey the Most Innovative PayPass Product Support Prize"

• 2010 Kuppinger Cole European Identity Award in the “Best Internal Project” category

(Şekerbank: Oracle)

• 2010 Cardist, “The Best Project Prize, PROCEED”

• 2009 ISO, Innovative Awards in the "Human Resources" category

• 2008 SESAMES, “Transportation Category” finalist

• 2006 EPCA/ECR, “The Most Innovative Payment Software Prize”

2021 34

THE FIRST PROJECTS IN THE WORLD IN PAYMENT TECHNOLOGIES

• 2019 First approved “PIN on Mobile Technology” in the world

• 2018 Device independent support of first EMV contactless payments via Android based smart

phones and tablets with PayCore Soft POS

• 2017 Credit card and contactless Debit card to Rupay standards (Open loop EMV) in public

transportation in India: Axis Bank

• 2016 The first national mobile wallet “empay” in the United Arab Emirates: Emcredit

• 2014 Contactless debit cards in Azerbaijan’s public transportation: Mastercard, Asis, Bank of

Azerbaijan

• 2014 In fuel sector, mobile payment system, working with SMS without using credit card: Shell,

Turkcell

• 2013 ECR/POS integration: DenizBank, MT Technology

• 2013 Shopping via TV: TTNET, Mastercard

• 2013 Digital payment platform for taxis: BiTaksi, Mastercard

• 2012 MIFARE4 Mobile applet development on NXP secure elements

• 2012 Mastercard Mobile PayPass applet, certified by Mastercard on NXP secure elements:

NXP, Mastercard

• 2012 Debit Card with installments in Azerbaijan: Azerbaijan Industry Bank

• 2011 A first with micro-SD: Akbank Visa

• 2011 iPhone iCarte: Yapı Kredi Bank

• 2011 Pre-paid system carrying out transactions equipped with NFC: DenizBank

• 2011 Mastercard first approved TSM operator: Turkcell

• 2010 Mastercard first approved display credit card: Türk Ekonomi Bank

• 2009 Credit card replacing cash: VISA

• 2008 EMV campaign transportation card: Mastercard

• 2008 e-Banking CAP scripting application: SmartNet

• 2007 Contactless credit card used in transportation: Garanti Bankası

• 2007 One of the first NFC pilot projects: Akbank

• 2006 Issuing of a contactless credit card via instant issuance: Garanti Bankası

• 2006 Contactless credit card: Garanti Bankası

2021 35

CARD PAYMENT MIGRATION PROJECTS

PayCore completed all major migration Project in Turkey and abroad for recent years.

• Turkey Albaraka 2019 – Provus Transformation (On Going Project)• Turkey QNB (Ibtech) 2019 – Bundling• India My Card 2019 – New Installation• India Axis Bank 2018 – New Installation• Turkey Turkiye Is Bankasi 2017 – Conversion From Cardpac Mainframe• Azerbaijan Demirbank 2016 – Conversion From Tieto Enator• Qatar The Group Finance 2016 - Installation From Stratch• Turkey Yapi Kredi Bank 2014 – Conversion From FBS Mainframe• Turkey Odea Bank 2014 – Installation From Stratch• Azerbaijan Azerbaijan Senai Bank 2013 – Conversion From Titeto Enator• Turkey Akbank Merchant Mng 2012 – Conversion From Inhouse• Cyprus Kibris Iktisat Bank 2012 – Installation From Provus• Azerbaijan Yapi Kredi Azerbaijan 2012 – Installation From Stratch• Azerbaijan Bank of Azerbaijan 2012 – Conversion From Inhouse• Turkey Ziraat Bank Tsk 2011 – Conversion From Oytek• Turkey Aktifbank 2011 – Installation From Stratch• Turkey Denizbank 2011 – Conversion From Banksoft• Turkey Teb Bnp Paribas 2009 – Conversion From Banksoft• Turkey Turkiye Finans Bank 2008 – Conversion From Provus

2021 36

PROCESSING PROJECTS

e-Money Institutions• Ininal Epara ve Elektronik Kart Hizmetleri A.Ş.• Vodafone Elektronik Para ve Ödeme Hizmetleri A.Ş.

Cyprus Banks• Universalbank Ltd.• Kıbrıs Türk Kooperatif Merkez Bankası Ltd.• Türk Bankası Ltd.• Novabank Ltd.

2021 37

REFERENCES

http://www.google.com.tr/url?sa=i&rct=j&q=orange&source=images&cd=&cad=rja&docid=Ono1KgMUiNaFkM&tbnid=nkdJeslpl1GIBM:&ved=0CAUQjRw&url=http://www.moneysavingexpert.com/news/phones/2012/11/orange-makes-partial-u-turn-over-free-broadband-axe&ei=6RujUYj6E4jrOtCMgegC&bvm=bv.47008514,d.ZWU&psig=AFQjCNH9WrtEFQ7_Id5MNP0aqN3i0BvkZQ&ust=1369730405991127

2021

www.paycore.comCOPYRIGHT © 2021 ALL RIGHTS PROTECTED AND RESERVED.

The information contained in this document, much of which is confidential to PayCore, is for the sole use of the intended recipients.No part of this document may be reproduced in any form or by any means, electronic, mechanical, photocopying, recording, or otherwise,

without the prior written permission of PayCore.

Chicago

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