#1wirecard Investor Presentation Market Entry China November 5th 2019 O Wirecard 2019 1#2Market Entry China Acquisition of a controlling stake of 80% in Beijing-based AllScore Payment Services; Call Option to acquire remaining 20% stake after two years. Unique license portfolio for a foreign investor in China, including a cross-border license. Strong growth potential by supporting Chinese and international merchants in their business inside and outside of China and offering cost-efficient fund-repatriation. 125 payment experts led by a seasoned, fully committed and well connected management team. Maximum consideration of up to EUR 109.3 million: ■ Capital Increase in AllScore of EUR 10.4 million. ■ Closing cash payments of up to EUR 62.0 million. Earn-out payment of up to EUR 16.7 million (subject to EBITDA targets in FY 2020). Call option amount of up to EUR 20.2 million (subject to post-closing EBITDA targets). After an integration phase in FY 2020, Wirecard projects to generate EBITDA contributions of more than EUR 35 million in 2021 and more EUR 50 million in 2022. © Wirecard 2019 2 Σ.#3Nationwide License Portfolio 1. Internet Payment (eCommerce Acquiring) 2. Cross-Border Payment ■ License: Internet Payment Acquiring license, granted by the PBOC. ■ Service: Acquiring of eCommerce payment transactions in retail, logistics, luxury goods and social media: ■ AllScore allows merchants / their customers to access the China Union Pay Gateway (CUP), enabling them to pay with CUP-issued payment products (debit/credit cards). ■ AllScore has developed a QR code system which is readable by consumer's Alipay / WeChat App, enabling merchants to accept Alipay/WeChat Pay payments. ▪ License: Cross-Border Payment license, granted by the PBOC. ■ Service: The license enables AllScore to settle cross-border FX payment transactions. ■ Merchant industries: Merchants importing clothing, buildings materials and cosmetics. 3. Prepaid Card Issuing ▪ License: Issuing License, granted by the PBOC. ■ Service: AllScore currently offers closed-loop prepaid cards to merchants in the retail/consumer goods industry. © Wirecard 2019 3 Σ.#43 2 1 Local Acquiring & Repatriation Business Development ☐ ☐ Wirecard's Business Development Initiatives Local Acquiring to Wirecard's international merchant base, which gains access to Chinese consumers. Acceptance of widely-used digital mobile payments. Repatriation of acquired funds to home country of merchant. International Acquiring & Repatriation International Acquiring for AllScore's local merchant base and Chinese merchants recently and prospectively signed by Wirecard. Repatriation of acquired funds to China. EBITDA FY 2022: > EUR 50 million Issuing Solutions © Wirecard 2019 ☐ Wirecard's live prepaid merchant base in China will be serviced more cost-efficiently, helped by AllScore's Issuing license. Develop business and travel Dual-Brand Prepaid Card with local and international schemes. 4 Σ.#5Market Overview 829 million Chinese Internet Users, more than US and India combined No. of Internet Users in China (million) 900 m ■ As of March 2019, China has around 829 million internet users equaling 2,5 x the population of the USA. 800 m 71% or 588m using online payment 700 m or eComm services 600 m Out of these 829 million: 500 m 71% used online payments or eCommerce services (588 million). ... 98% are mobile internet users. ■ Studies are suggesting the number of mobile payment customers is reaching close to 1 billion by 2023, up from 600 million in 2018. 400 m 300 m 200 m 100 m 0 m 1999 2001 2003 2005 2007 2009 2011 2013 2015 2017 2019 © Wirecard 2019 ■ In 2018, China recorded 150 million inbound visitors, each of them a potential customer for FX prepaid card products. ■ Cross-border ■ payment volume amounted to USD 9,1 trillion in 2018. Unionpay's dominance in China helped it earn a 36% market share globally in bank card payments, compared to 32% for Visa and 20% for Mastercard. ■ Chinese Government aims to curb market power of payment giants and UnionPay-competitor Alibaba and Tencent. Sources: (i) China Internet Network Information Center (CNNIC), a branch of the MIIT; (ii) https://www.travelchinaguide.com/tourism/2018statistics/; (iii) https://www.paymentscardsandmobile.com/chinese- central-bank-refuses-visa-and-mastercard-application/; (iv) https://www.ikjzd.com/a/20075.html. 5 Σ.#6Market Entry China Deal Team including highly reputable advisor base Market Entry Advisor Spitzberg Partners New York Financial & Tax Advisor Legal Advisors Baker Tilly Munich & Beijing K&L Gates & Haiwen Partners China © Wirecard 2019 SP bakertilly K&L GATES HAI WEN 海问律师事务所 6 Σ.#7© Wirecard 2019 Investor Relations [email protected] Iris Stöckl VP Corporate Communications/Investor Relations [email protected] T: +49 (0) 89 4424 1788 Susanne Herrle Principal Investor Relations Manager [email protected] T: +49 (0) 89 4424 1223 Claudia Mendrek Junior Investor Relations Manager [email protected] T: +49 89 4424 192189 Stephanie Malgara Senior Manager Investor Relations [email protected] T: +49 (0) 89 4424 191348 Kristin Kleine Beerink Investor Relations Manager [email protected] T: +49 (0) 89 4424 1734 7 Σ.#8Disclaimer <. "This presentation has been prepared by Wirecard AG (the "Company") and is for information purposes only. This presentation contains only summary information and does not purport to be, nor is it intended to be, comprehensive. The information in this presentation has not been independently verified. No representation or warranty, express or implied, is made as to the accuracy or completeness of the presentation and the information contained herein and no reliance should be placed on such information. No responsibility is accepted for any liability for any loss howsoever arising, directly or indirectly, from this presentation or its contents. This presentation does not constitute, or form part of, and should not be construed as, an offer, solicitation or invitation to subscribe for, underwrite or otherwise acquire, any securities of the Company, nor should it or any part of it form the basis of, or be relied on in connection with, any contract to purchase or subscribe for any securities of the Company, nor shall it or any part of it form the basis of or be relied upon in connection with any contract or commitment whatsoever. In particular, this presentation does not contain or constitute an offer of, or the solicitation of an offer to buy or subscribe for securities of the Company to any person in Australia, Canada, Japan, or the United States of America or in any jurisdiction to whom or in which such offer or solicitation is unlawful. The securities of the Company may not be offered or sold in the United States of America absent registration under the U.S. Securities Act of 1933, as amended (the "Securities Act"), except pursuant to an exemption from, or in a transaction not subject to, the registration requirements of the Securities Act. Subject to certain exceptions, any securities of the Company may not be offered or sold in Australia, Canada or Japan or to, or for the account or benefit of, any national, resident or citizen of Australia, Canada or Japan. This presentation may contain forward-looking statements relating to the business, financial performance and results of the Company and the industry in which the Company operates. Any forward- looking statements contained in this presentation, including any assumptions, opinions and views of the Company and information attributed to or summarized from third party sources, represent solely opinions and forecasts which are subject to risks and uncertainties. Actual events may differ significantly from current expectations or assumptions due to many factors. The Company does not guarantee that the assumptions underlying the forward-looking statements in this presentation are free from errors nor does it accept any responsibility for the future accuracy of the opinions expressed in this presentation or the actual occurrence of the forecasted developments. The statements in this presentation are made only as of the date of this presentation. The Company does not undertake any obligation to review, update or confirm third-party's expectations or estimates or to release publicly any revisions to any forward-looking statements in this presentation to reflect subsequent events or circumstances that may arise in relation to the content of this presentation. Consequently, neither the delivery of this presentation nor any further discussion of the Company with any of the recipients thereof shall under any circumstances create any implication that there has been no change in the affairs of the Company since such date. This presentation may also include references to non-IFRS financial measures. We have provided these financial measures and other information in this presentation because we believe they provide investors with additional information to assess our performance. Our use of these supplemental financial measures may vary from others in our industry and should not be considered in isolation or as an alternative to our results as reported under IFRS. Due to rounding, numbers presented throughout this and other documents may not add up precisely to the totals provided and percentages may not precisely reflect the absolute figures." O Wirecard 2019 8