Linking Payment Partners - Payments Cards & Mobile

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Linking Payment Partners www.paymentscardsandmobile.com

2012–13

PAYM E N T S C A R D S A N D M O B I L E’S

B U Y E R S G U I D E 2 0 1 2 – 1 3 : A S P E C I A L S U P P L E M E N T T O PAY M E N T S C A R D S A N D M O B I L E

PAYMENTS POWER that lifts your business

FIS™ is the global leader in payments technology. With an unmatched breadth of products and depth of knowledge, FIS is uniquely positioned to help you build and maintain a competitive advantage in your market. FIS offers a powerful combination of payments software and services that will lift your business. We are the trusted partner that offers you the greatest choice of technologies, services and deployment options. Our range of solutions includes: • Card management for debit, credit and prepaid • Switching • Risk and fraud management

• • • •

Mobile payments Secure eCommerce solutions Merchant and ATM acquiring Statementing and communications

More than 13,000 customers worldwide trust FIS to keep them at the forefront of the payments revolution. Isn’t it time you joined them? Find out more at www.fisglobal.com.

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ON THE 2011

FINTECH 100

© 2012 FIS and/or its subsidiaries. All rights reserved.


BUYERS GUIDE 2012–13 A S P E C I A L S U P P L E M E N T TO PAYM E N TS C A R D S A N D M O B I L E

CARDS&MOBILE

www.paymentscardsandmobile.com/buyersguide

Contents A

F

ACI Worldwide

6,21,22,29

O

First Annapolis 17

OpenWay Group

ai Corporation

7,18,22,24,25,26,29

First Data 13

Otto Künnecke

Alaric 7,22

FIS 2,8,14,30

P

FutureCard 28

Payment Card Yearbooks

G

Payments Cards & Mobile Consulting 17

Alioth 11,27,28 Atlantic Zeiser

11

Atos Worldline

7,13,17,26,29,31

B Barnes International

32

Bayberry Consulting

16

BPC Banking Technologies

7,22,29

Greenings International 19

H HID Global 16,17

I

6,12 6

14

R Retail Business Technology

19

RS2 25

Ingenico Group 26,31

C

Planet Payment

9,18,30

S

Card and Payments Jobs

27

INPAS Payment Solutions 8,24,25,26

Carta Worldwide

13

Iris Analytics 23

Six Payment Services

CARTES 2012

19

L

SMi Group Ltd

19

Lateral Payments 26

Spectra Technologies

31

Leonhard Kurz 6

S.P.S 17

The Logic Group 9,22,30

T

Lusis Payments 9

TAG Systems

Clear2Pay 8,16,29,32 Compass Plus

8,25,29

Comprion 32 Credorax 24 Cryptomathic 11

D Datacard Group

6,12,29,35

E Equens

13

EFMA Cards and Payments

19

EPCA-European Payments Consulting Association

M MagTek Europe 31 Mobile Payments Consulting 24

N Net1 Universal Technologies 24,36 The Nilson Report 6

16

Publisher Alexander Rolfe Head of Business Development Wendy Sanders Subscriptions Manager Kaye Skinner General Manager Gemma Haywood

Northern Leasing 23

Address and Contacts Payments Cards and Mobile The Stable, Hall Yard Kelling, Holt NR25 7EW United Kingdom Advertising Tel: +44 1263 711 801 Fax: +44 1263 456 100 [email protected]

All rights reserved. No part of the publication may be reproduced or transmitted in any form without the publisher’s prior consent. While every care is taken to provide accurate information, the publisher cannot accept liability for errors or omissions, no matter how caused.

Payments Cards and Mobile™ is owned and published by PaymentsCM LLP ISSN 1759-829X © PaymentsCM LLP 2012

www.paymentscardsandmobile.com

SiNSYS 14 14,15

18,24

Trüb 18,23,28 Trustwave 27 TSYS 11,16,31 Txtnation 6

V VeriFone

26

FURTHER INDUSTRY LISTINGS 34

Subscriptions and General Tel: +44 1263 711 800 Fax: +44 1263 456 100 [email protected] See advert on page 27

Cover and Origination www.klg-design.co.uk

Printing

Micropress Printers

Average net circulation July 2010-June 2011: Printed 9055 • Digital 711

BUYERS GUIDE 2012–13 PAYMENTS CARDS AND MOBILE 3


Categories BILLING

CHARGEBACK SYSTEMS

Txtnation

Clear2Pay

BUSINESS REPORTS The Nilson Report Payment Card Yearbooks

CARD MAILING SYSTEMS Datacard Group Otto Künnecke

CARD MANUFACTURING SUPPLIERS LEONHARD KURZ

CARD PAYMENT SOLUTIONS ACI Worldwide ai Corporation Alaric Atos Worldline BPC Banking Technologies Clear2Pay Compass Plus FIS INPAS Payment Solutions The Logic Group Lusis Payments OpenWay Group TSYS

CARD PERSONALISATION SYSTEMS Alioth Atlantic Zeiser Cryptomathic Datacard Group Otto Künnecke

CARD PRINTER MANUFACTURERS Datacard Group

CARD PRODUCTION SYSTEMS Otto Künnecke

CARD PROCESSORS Atos Worldline Carta Worldwide Equens First Data FIS Planet Payment Sinsys Six TSYS

CONSULTANTS Bayberry Consulting EPCA –European Payments Consulting Association First Annapolis Payments Cards & Mobile Consulting

ai Corporation Compass Plus INPAS Payment Solutions RS2

PAYMENT SOLUTIONS

EMV SOLUTIONS

ai Corporation Atos Worldline Ingenico Group INPAS Payment Solutions Lateral Payment Solutions VeriFone

TAG Systems Trüb

Alioth

CONTACTLESS TECHNOLOGY Atos Worldline HID Global S.P.S

EPAYMENT SOLUTIONS ai Corporation OpenWay Group

EVENTS CARTES 2012 EFMA Cards and Payments Retail Business Technology SMi Group Ltd

EXECUTIVE SEARCH CONSULTANTS Greenings International

FRAUD MANAGEMENT ACI Worldwide ai Corporation Alaric BPC Banking Technologies The Logic Group Iris Analytics

IDENTITY DOCUMENTS Trüb

LEASE COMPANIES Northern Leasing

MOBILE PAYMENTS Mobile Payments Consulting Net1 Universal Technologies TAG Systems

PAYMENT PROCESSING Credorax

PAYMENT SECURITY ai Corporation

CARD READERS

PAYMENT SOFTWARE

HID Global

INPAS Payment Solutions

4 PAYMENTS CARDS AND MOBILE

PAYMENT SOFTWARE SOLUTIONS

PLASTIC CARD MANUFACTURERS QUALIFIED SECURITY ASSESSORS Trustwave

RECRUITMENT Card and Payments Jobs

SMART CARD MANUFACTURERS Alioth FutureCard Trüb

SOFTWARE SOLUTIONS ACI Worldwide ai corporation Atos Worldline BPC Banking Technologies Clear2Pay Compass Plus Datacard Group FIS OpenWay Group The Logic Group TSYS

TERMINAL MANUFACTURERS Atos Worldline Ingenico Group MagTek Europe SPECTRA Technologies

TEST TOOLS Barnes International Clear2Pay Comprion

BUYERS GUIDE 2012–13 www.paymentscardsandmobile.com


A new era of payments In 2011, many industry oracles predicted that the long-heralded convergence of payment methods and technology – m-commerce, e-commerce and contactless – would bring about a transformation of the entire payments landscape. Indeed, judging by the activity witnessed over the year, it would appear that 2012 has delivered on some of these promises. Mobile wallet services are being launched all over the world, contactless deployments are accelerating, and payment players continue to invest vast sums and resources into tapping into the exploding e-commerce segment. It is interesting to see the juxtaposition between the mobile wallet services launched by the likes of Google and other non-bank payment players, and those from payment networks and financial institutions. Throw in the fact that these competitors are even in partnership on some wallet services, and it’s clear to see that for the time being at least, old rivalries have been forgotten in order to advance m-commerce across the entire payment value chain. Once stakeholders’ wallet services are established, will the battle lines be redrawn?

garnering plenty of headlines and attention, but incumbent acquirers need not quake with fear just yet, as it’s still very much early days for new players in this area. What hasn’t happened in 2012 is that for all the talk of mobile NFC payments, actual enabled phones were rather thin on the ground. Everyone is waiting with baited breath to see what the likes of Apple will unveil in relation to new releases of the iPhone, while Google’s Android platform is enjoying rapid uptake and is even threatening to surpass iPhone sales worldwide. It can be expected that once smartphones come equipped with NFC technology as a standard feature, the industry will once again witness a significant transformation.

How will m-commerce affect other stakeholders, such as acquirers and processors? The rapid degree of convergence being witnessed across many industry verticals (and even horizontals) means that merchants are at the forefront of witnessing the changes affecting consumer payment preferences. Keeping up with these changes will mean a re-evaluation of existing business models for acquirers.

The year 2012 has seen global economic recovery continue, albeit slowly, with many payment businesses across the whole value chain reporting a return to profitability, meaning increased investment in payments innovation. But in such a fast-moving industry, consumer behaviour is starkly different to how it was just a few years ago, and it is technology which is helping financial institutions re-engage with their customers and reach out to new ones.

As merchants become more multi-channel and multi-regional in nature, it is essential that many different form factors can be accepted, and that acquirers have the technology to keep up with demand.

The explosion in mobile commerce will surely alter the payment landscape irrevocably, but business models still need to be agreed on before the much-heralded NFC revolution begins to gather pace.

Acquirers themselves may also want to keep an eye out for potential upstarts planning to capitalise on the explosion in e-commerce and m-commerce. Square and iZettle are

Elsewhere, despite the best efforts of the payment industry, card and payment fraud continues to dominate headlines. Just as it seems that payment players successfully tackle


fraud in one area, it migrates to another area just as quickly. The last few years have seen high-profile data breaches at major payment processors continue to occur with alarming regularity. Payment stakeholders must be scratching their heads and wondering what other tools they can deploy in the fight against fraud, having already invested billions in measures such as EMV, online authentication and bolstering network defences. The issue is now all the more pressing with the rising popularity of mobile commerce and e-commerce, which will see new types of fraud attacks being deployed. There is no simple answer to this issue, and the only thing for payment players to do is to put aside their competitive differences and collaborate to ensure they can head off fraud together. As consumers worldwide conduct more transactions through online and mobile channels, could this be the beginning of the end for the traditional bank branch network? And could non-bank giants like Facebook, Google and Apple disrupt the status quo? While there is no doubt about the potential of technology to reshape consumer behaviour, there remain some question marks over whether non-bank players really have the appetite, and indeed the capability, to muscle in on the bank-dominated landscape. The next few years will be very interesting indeed. While we may not see bank branches disappear forever, the cost implications for banks regarding new consumer payment channels may well result in a significant transformation in the way financial organisations engage with their customers. In the latest edition of PCM ’s Buyer’s Guide, we profile the organisations in the industry that are the leading players in their market. We hope you find it useful and informative. Victoria Conroy Editor, Payments Cards & Mobile



BILLING

CARD MAILING SYSTEMS

Datacard Group txtNation

Tel +44 (0)1489 555 600

www.txtnation.com txtNation is an Award-Winning Tier One Aggregator. txtNation are an SMS Gateway and provider of leading Mobile Billing and Mobile Messaging. From Premium SMS, Bulk SMS Messaging, Short-Code services to Direct Billing we have it all. Contact us today!

E-mail: [email protected] Web: www.datacard.com

Datacard Group is building on a 40-year heritage of innovation and customer success. Our portfolio of solutions, backed by expert service and support, enable card and secure ID programs for financial, government and other institutions worldwide. With an unmatched commitment to customer satisfaction, Datacard remains the industry’s best-selling brand of secure ID and card personalisation solutions. www.datacard.com

BUSINESS REPORTS Otto Künnecke GmbH www.kuennecke.com

The Nilson Report

Tel: +49 5531 9300 0 Fax: +49 5531 9300 903 Otto Künnecke GmbH is one of the leading manufacturers of mailing, packaging and personalisation systems for high security documents like cards, passports and PIN’s.

www.nilsonreport.com

Our twice-monthly newsletter, published since 1970, is the world's most respected and widely read trade journal among senior level executives in the payment card industry.

Yearbooks

Our Industry Leading Yearbooks – European Payment Cards Yearbook 201213 and Eurasia (Russia, Georgia and CIS) Payment Cards Yearbook 2012-13. For further details, synopsis or sample country report please visit our website. Tel: +44 1263 711800 Email: [email protected] www.paymentcardyearbooks.com

BUYERS GUIDE 2013-2014 NEXT YEAR’S BUYERS GUIDE WILL BE PUBLISHED ON 24 JULY 2013. TO TAKE AN ENTRY CALL WENDY SANDERS ON +44 1263 711801.


CARD MANUFACTURING SUPPLIERS

CARD PAYMENT SOLUTIONS

LEONHARD KURZ Stiftung & Co. KG Schwabacher Strasse 482 90763 Fuerth/Germany Tel: +49 911 71 41-0 Fax: +49 911 71 41-357 E-mail: [email protected] Web: www.kurz.de

KURZ is one of the leading suppliers of security technologies for the card industry. We offer a complete range of card components: magnetic foils, OVDs, signature foils, scratch-off, tipping and cold indent foils, thermal transfer ribbons, overlays and application machines.

ACI Worldwide powers electronic payments and banking for 1,650 financial institutions, retailers and processors around the world. Through our integrated suite of software products and hosted services, we deliver a broad range of solutions for electronic payments, transaction banking, mobile, branch, and voice banking, fraud detection and trade finance. To learn more about ACI and understand why we are trusted globally, please visit www.aciworldwide.com



Please see main entry under Fraud Management the ai corporation Fighting card fraud in the 21st Century

Alaric – evolving with your payment needs Tel: +44 (0) 20 7593 2200 Fax: +44 (0) 20 7401 7455 Web: www.alaric.com Email: [email protected]

An international provider of leading-edge software products for EFT Authorisation & Switching, Fraud Prevention & Detection, Risk Management and Payments Integration. Alaric’s principal focus is providing business-driven technology software products for the payment industry that meets ever-increasing business demands and keeps abreast of the industry regulatory requirements. Alaric’s products provide financial institutions, retailers and processors with products that are 100% Java and platform independent, making integration and migration far simpler.

Discovery House, Pynes Hill, Exeter EX2 5AZ United Kingdom Tel: +44 1392 279 042 www.aicorporation.com Authentic is a highly configurable authorisation and switching system which incorporates innovative, powerful user capabilities for managing business logic and for quickly building interfaces between multiple networks, devices, internal systems. Fractals is a real-time payment card risk management and fraud detection system which uses an advanced classification engine to detect all types of payment card fraud coupled with a highly developed rules environment. Both Fractals and Authentic can be used by credit/debit issuers, acquirers (both ATM and merchant) and payment processors. Today Alaric serves a varied blue chip client base throughout the world with clients ranging from global organisations to small regional financial institutions. If your world is constantly changing and time to market is imperative to your business, then you too should be talking to Alaric.

Atos Worldline Atos Worldline brings together Atos core expertise in Hi-Tech Transactional Services (HTTS) with over 35 years of experience and recognized know-how in the payment industry. A leader in end-to-end services for critical electronic transactions, Atos Worldline is specialised in electronic payment services (including issuing, acquiring, terminals, and card and non-card payment solutions & processing), eServices for customers, citizens and communities (eCS) as well as services for financial markets. Atos Worldline is committed to continuous R&D and innovation so its customers can benefit from leadingedge solutions to stay ahead of market evolutions. Atos Worldline generates annual revenues of € 913 million and employs over 5,400 people in the world. Web: atosworldline.com Email: [email protected]

TRANSFORM YOUR PAYMENTS BUSINESS In 30 countries on 5 continents, BPC Banking Technologies has helped some of the world’s most innovative financial institutions transform their payments business. Whether you want to launch new products faster than your competitors, dramatically lower your TCO or cater for the ever changing needs of your customers – we’ve got the right solution for you. Our SmartVista suite of integrated, scalable and secure solutions covers every aspect of electronic payments processing – high performance transaction switching with full ATM and POS device management, total card management, sophisticated fraud prevention, loyalty programs, card personalization and production, billing and merchant management, internet and mobile banking. SmartVista is a highly available end-to-end e-payments solution – a solution that will grow as your business grows. Operating from a network of global offices and with a partner ecosystem made up of industry leaders, we are committed to long-term relationships with our customers. Our relentless focus on our customers’ success is one of the key reasons why we have a 100% customer retention rate. BPC Banking Technologies will help you transform your payments business. For more information: www.bpcbt.com – [email protected]




INPAS 127521 Russia, Moscow 72 , Oktyabrskaya st. Tel +7 (495) 721 36 21 Clear2Pay’s Open Card System (OCS) offers you a complete card processing solution. OCS works across all channels from traditional ATM, branch and POS, to the emerging fields of e-commerce, mobile and NFC. The solution can operate both stand alone or act within a payment hub environment. Clear2Pay operates out of Belgium (HQ) and another 20 offices in 11 countries. The company employs around 1,200 staff. www.clear2pay.com – [email protected]

Compass Plus Web: www.compassplus.com

See main entry under Software Solutions

Compass Plus provides proven software and services for financial institutions, including retail banks and payment processors across the globe that operate in complex and rapidly changing business and technology environments.

Website: www.inpas.ru/en/ Email: [email protected] INPAS Company, founded in 1995, is a part of an IT holding named ITG (INLINE Technologies Group); today it is one of the largest providers of acquiring technologies on the Russian market. INPAS Company is well known for its project activities: all products and technologies including POS-terminal equipment, application software, control systems, smart cards. INPAS of fers accomplished competitive integrated solutions to banks and retailers based on VeriFone, GLORY and other vendors’ products and technologies, also NFC technologies and software of its own production.

FIS for all your cards and payments needs In a world of giant generalists and niche specialists, FIS offers the best of both. Offering end to end solutions for cards and payment processing, as both licensed software or outsourced services, FIS has the scale to handle the most complex projects with expertise and outstanding customer service. Our global team of local experts serves over 14,000 clients across 100 markets worldwide. We are proud to be associated with some of the world’s most successful cards and programmes, providing best–in–class technology solutions to 40 of the top 50 global banks. We are a market leader in most major categories of financial information services, including card management, transaction switching, credit, debit and prepaid card processing, fraud and risk solutions, core bank processing and many others. For more information about how FIS could help your business, call us on +44 (0) 207 292 2400, e–mail us at [email protected] or visit our website www.fisglobal.com. Know cards and payments, know FIS.




The Logic Group Waterfront Business Park Fleet, GU51 3SB UK Web: www.the-logic-group.com Email: [email protected] Tel: +44 1252 776 700 The Logic Group specialises in the secure management of information and transactions through the delivery of trusted solutions for multi-channel payments; customer insight and loyalty; and security, fraud and risk management. The company is behind many of the best known names for whom maximising the value of their customer interaction matters most with 60% of Tier 1 retail organisations in the UK using our solutions to process payments from stores, ecommerce sites, kiosks and call centres.

Lusis Payments 2 Teejay Court, 50-52 Alderley Road, Wilmslow, SK9 1NT, United Kingdom Email: [email protected]

Lusis Payments provides software and services to the global retail payments industry. It’s proven state of the art, SOA enabled, technology, TANGO, operates on numerous hardware platforms, including HP NonStop. TANGO is a true mission critical processing system, processing any transaction, any channel and any end point. Combined with the know how to mitigate risk and deliver high levels of assured customer service, Lusis Payments delivers a unique proposition for organisations faced with the challenge of changing, refreshing or updating their retail payments systems. Visit Lusis Payments at: www.lusispayments.com

OpenWay Group (www.openwaygroup.com) n Highest rating by Gartner, 2009 and 2010* n Developer and vendor of WAY4 card and merchant management, channel banking and transaction switching software n More than 110 clients, including major banks, processors and telecom companies in Europe, US, Asia, the Middle East and Africa WAY4 single platform: n Customer-centric rule-driven environment: l Debit, credit, prepaid and commercial cards, deposits, loans, current accounts, mobile money l POS, ATM, Kiosk, Web, Mobile management: product management and information services, online payments and fund transfers, targeted marketing campaigns based on a single customer profile l Merchant Acquiring l Payment Switch / Hub l Behaviour Loyalty l more … n 24/7 high-speed processing on open platform clusters n Scalable from compact to high-end systems supporting 3000 TPS, 150 million cards and 20 thousand branches in 11 time zones n SEPA compliant n Certified by PCI SSC (PA-DSS compliance) n Certified by MasterCard, Visa, AMEX, Diners Club, JCB, CUP * The report “MarketScope for Multiregional Card Management Software” by Kristin R. Moyer, 27.05.2009 and 22.06.2010. The MarketScope is copyrighted 2009 and 2010 by Gartner, Inc. and is reused with permission. The MarketScope is an evaluation of a marketplace at and for a specific time period. It depicts Gartner's analysis of how certain vendors measure against criteria for that marketplace, as defined by Gartner. Gartner does not endorse any vendor, product or service depicted in the MarketScope, and does not advise technology users to select only those vendors with the highest rating. Gartner disclaims all warranties, express or implied, with respect to this research, including any warranties of merchantability or fitness for a particular purpose.




Processing in the spotlight The global payment cards processing industry is undergoing a fundamental transformation, with changing industry economics and regulatory action impacting upon business models. Over the past few years, the driving force of the wave of processor consolidation has been the need to achieve economies of scale, as the ever dwindling number of national processors struggles to secure the payment volumes needed to survive in the new payments landscape. Of course, the SEPA initiative has also impacted the processing and clearing landscape, although not in the way originally envisaged. Around 2004, many in the industry were convinced that SEPA would signal the end for most of Europe’s clearing houses, with the industry appearing to favour the establishment of a single clearing house for the whole of Europe. But now, the reality is very different. Although there is undeniably a top tier of pan-European houses, such as Equens and SIA SSB, there remains a multitude of domestic-only houses which are digging their heels into the ground and gamely taking on their larger competitors. Elsewhere, much has been made about the potential of cloud computing and how it could be implemented in the processing space. Cloud computing represents the latest evolutionary stage of computing technology, which has been enabled by the

penetration of low cost, high speed, high bandwidth internet connections, and the ubiquity and standardisation of the web browser interface. Under the cloud computing model, complex operations are centralised, allowing new software to be rolled out rapidly on a global scale, without any need for end-user involvement.

Cloud computing has potential to reshape the value chain Although it has been argued that from a purely technological point of view this is nothing new – e-mail servers are a good example of the provision of centralised services – cloud computing’s differentiation comes from its scalability, robustness and cost-efficiency. Cloud computing has the potential to reshape the value chain by streamlining and consolidating roles within the transaction lifecycle and abolishing the need for localised, in-house systems and applications, virtually eliminating the need for any on-site application development. This not only has significant cost implications but may also considerably reduce the switching costs that have constituted a challenge for merchants, issuers, acquirers, banks and payment institutions in managing transaction capture applications, addon services and processing platforms. From an industry perspective, in the future cloud computing could potentially blur the role of the payment scheme, of telecom or connectivity providers and of any processing provider within the payment value chain.


Of course, fraud continues to be a major concern for processors. The recent Global Payments attack, which has eerie similarities to the Heartland Payments processor breach a couple of years ago, has once again put the spotlight on card fraud trends and the measures used to fight them. Data from consultancy Capgemini shows that despite the credit card industry’s effort to fight fraud, losses are increasing globally. In 2009, overall card fraud losses increased by 12.8% to reach €4.9 billion, and total credit card fraud losses reached approximately €2.4 billion, up from €2.1 billion in 2008. And card fraud continues to increase as fraudsters find more ways to hack into processors’ data centres and merchants’ databases. But what more can the industry do to fight fraud? Several fraud mitigation trends are beginning to emerge across the industry, including centralising fraud management operations, using more real-time external data, migrating from in-house to commercial enterprise fraud management products and upgrading to second generation web fraud detection systems. At a time when major banking institutions are also embarking upon consolidation, the question of where processors will fit into the newly-organised payment landscape is being pushed to the forefront. Globally, the processing industry is reaping huge benefits from the migration away from cash towards electronic payments – card volumes are growing quickly in countries such as China and India, and consumers are warming to the idea of using mobile phones and contactless cards as payment tools. Also, processors are increasing their activities in areas such as fraud prevention, authorisation and customer service functions. Processors are exploring how to benefit from value-added services, such as ATM and POS management, and the pace of change in technological development means that processors cannot afford to stand still in this rapidly evolving industry.



CARD PERSONALISATION SYSTEMS About TSYS® At TSYS, (NYSE: TSS), we believe payments should revolve around people — not the other way around. We call this belief "People-Centered Payments." By putting people at the centre of every decision we make, with unmatched customer service and industry insight, TSYS is able to support financial institutions, businesses and governments in more than 80 countries. As one of the world’s largest companies for processing and licensing payment solutions, TSYS offers a broad range of issuer- and acquirerprocessing technologies that support consumer finance, credit, debit, Islamic, commercial, contactless, loyalty, mobile, instalments, prepaid and related services for global financial institutions and retail companies. With approximately 400 clients in more than 80 countries, TSYS offers strength through scalability, global scale with regional focus, unsurpassed customer service delivery and a core competence in portfolio conversions. Whether your portfolio has 10,000 or 100 million customers, TSYS can flex to meet your requirements. TSYS’ offices are spread across the Americas, EMEA and Asia-Pacific. TSYS provides services to more than half of the top 20 international banks, is a Fortune 1000 company and was named one of the 2012 World's Most Ethical Companies by Ethisphere magazine.

TSYS 10 Chiswell Street London EC1Y 4UQ United Kingdom

Alioth

127521 Russia, Moscow 72 , Oktyabrskaya st. Tel: +7 (495) 721 35 05 Web-site: www.alth.ru

Alioth Production Company, founded in 2008, is a plastic card manufacturer. The company’s mission is to produce plastic cards as a means of personal identification, and remote access systems that provide various services. Alioth Company provides full-cycle

ATLANTIC ZEISER GmbH Bogenstrasse 6–8 78576 Emmingen – Germany Tel: +49 7465 291–0 Fax: +49 7465 291–166 E-mail: [email protected] Web: www.atlanticzeiser.com

ATLANTIC ZEISER is a world–wide leading system integrator in the card business and supplies high performance card personalization and packaging solutions. The modular CARDLINE and CARDLINE VERSA card personalization system performs a wide range of applications at high speed. Due to its modular concept different personalization and processing technologies such as chip programming, magnetic encoding,

+44 (0) 207 160 9400 [email protected] www.tsys.com

Web: www.cryptomathic.com

Cryptomathic is a leading provider of security solutions for card personalisation and issuing, key management, PKI and eBanking.


production of plastic cards from design, personalization and further packaging and delivery to a client. The company offers the following products: magnetic, microprocessorbased, dual and contactless EMV standard card, bank cards, discount cards, club cards, social, transport cards and smart cards for identification and access control. The company provides services in graphic and electronic personalization of cards, to ensure safe storage and transportation of products.

high resolution ink jet printing (DoD with 300x300 dpi), laser engraving, hotfoiling, scratch-off labeling, camera inspection and card sorting can be combined within one single machine. The PERSOLINE optimally completes the CARDLINE VERSA in the edge–to– edge 4C printing, individualization and personalization of ID, commercial, financial and SIM cards. Consequently Atlantic Zeiser offers with VERSAMAIL and PERSOMAIL a high speed mailing and fulfillment system. All production, issuance and lifecycle management processes are controlled by the PMP software platform. Atlantic Zeiser: creating identity – the vital difference

CardInk is Cryptomathic’s data preparation system for single- and multiapplication EMV contact, contactless and mobile cards. It offers high security, flexibility, stability and easy integration. CardInk is also the only major system that is both HSM vendor and card platform independent.



Datacard Group

CARD PRODUCTION SYSTEMS

Tel +44 (0)1489 555 600 E-mail: [email protected] Web: www.datacard.com

Otto Künnecke

Datacard Group is building on a 40-year heritage of innovation and customer success. Our portfolio of solutions, backed by expert service and support, enable card and secure ID programs for financial, government and other institutions worldwide. With an unmatched commitment to customer satisfaction, Datacard remains the industry’s best-selling brand of secure ID and card personalisation solutions. www.datacard.com

See main entry under Card Mailing Systems www.kuennecke.com

BUYERS GUIDE 2013-2014

Otto Künnecke See main entry under Card Mailing Systems

NEXT YEAR’S BUYERS GUIDE WILL BE PUBLISHED ON 24 JULY 2013. TO TAKE AN ENTRY CALL WENDY SANDERS ON +44 1263 711801.

www.kuennecke.com

CARD PRINTER MANUFACTURERS Datacard Group See main entry under Card Personalisation Systems (above). www.datacard.com

PR fit for purpose Who better to promote your business and products than someone who understands your business environment? We can help you with strategies to best reach your target markets, marketing PR, media relations, issues management, business development, events, speechwriting, customer literature, social media tactics and employee or change communications. Global PR resources available wherever and whenever you need them – visit www.paymentscardsandmobile.com/pr or contact us at [email protected]


Public Relations



CARD PROCESSORS

Atos Worldline Please see main entry under Card Payment Solutions Web: atosworldline.com Email: [email protected]

Equens SE is one of the largest payment processors in Europe, leading the market for future-proof payment and card solutions. Thanks to an extensive and competitive range of services, the company seamlessly meets the requirements and wishes of the European payments market. Equens supports the development of

Carta Worldwide Carta Worldwide, UK The Podium. 1 Eversholt Street London NW1 2DN. United Kingdom. T: 44(0)203 137 8971 www.cartaworldwide.com [email protected]

a single, uniform European payments market (SEPA), and is dedicated to the standardisation and harmonisation of European and global payments. With clients and partnerships in multiple European countries, the company offers pan-European market coverage from offices in five countries – the Netherlands, Germany, Italy, Finland and the United Kingdom. www.equens.com [email protected]

Carta is a leader in electronic payments and transaction processing technology, specialising in prepaid, mobile and emerging payments. Carta's next-generation platform, specifically architected to meet the complexities of the evolving payments environment, excels where legacy systems are challenged; delivering end-to-end solutions that manage risk, enhance accuracy, and optimise profitability.

First Data Janus House Endeavour Drive Basildon Essex SS14 3WF UK Tel +44 (0) 1268 296065 Fax: +44 (0) 1268 296352 Web: www.firstdata.com E-mail: [email protected]

Beyond the transaction First Data is a global technology and payments processing leader, serving more than 6 million merchant locations, thousands of card issuers and millions of consumers worldwide.Whether the choice of payment is by debit or credit card, gift card, mobile phone, cheque, online or at the point-of-sale, First Data takes every opportunity to go beyond the transaction. Over the last 25 years First Data has developed and expanded its business across Europe, Middle East and Africa (EMEA) to deliver service excellence and a full portfolio of products and services to clients in 34 countries across the EMEA region. Financial institutions benefit from our ability to process credit, debit, prepaid and consumer finance transactions as well as from our comprehensive range of operational and back-office solutions, POS and ATM


management services. Merchants, both large and small, benefit from processing services and solutions that include transaction acquiring, prepaid, self-service, loyalty and consumer finance offerings. In addition First Data empowers its clients to build stronger, more profitable customer relationships as commerce continues to transform. Our innovations in secure infrastructure, intelligence and insight empower our customers to move beyond electronic payments to embrace Universal Commerce and the opportunities it offers to provide a personalised and integrated payments experience to consumers that’s quick and consistent. Around the world, every second of every day, First Data makes payment transactions secure, fast and easy for merchants, financial institutions and their customers.


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Planet Payment Europe Thremhall Park, Bishops Stortford, Herts CM22 7WE, UK Tel: + 44 1279 216227 Email: [email protected] Web: www.planetpayment.com

SiNSYS delivers issuing and acquiring processing services for payment cards and value added services. SiNSYS has in portfolio more than 29 million cards, 700,000 merchants and 1 billion transactions processed and eleven countries served: Austria, Belgium, the Netherlands, Italy, Germany, Czech Republic, Hungary, Poland, Slovakia, Ukraine and UK. SiNSYS is currently the only European processor with proven cross-border portfolios consolidation, having successfully completed a significant number of issuing and acquiring migration projects onto a single, centralised platform.

We provide secure and ting industr focus. With SIX Paymen tries, which In the elds Belgicastraat 1, 1930 Zaventem, Belgium nancial inf rst-rate ser [email protected] – www.sinsys.net

processing platform, our robust suite of payment processing services and our signature multi-currency solutions offer our acquiring customers significant competitive advantages that help accelerate new market entry and new merchant acquisition, and enhance merchant satisfaction and retention.

Innovative Payment Solutions – Anytime, Anywhere, Any Currency.

Our iPAY® global payment gateway delivers secure, online payment solutions via virtual terminal, hosted pay pages, recurring subscription billing and customisable XML interface.

Planet Payment is a leading international payment processor with a network of more than 40 acquiring banks and processors spanning the United States, Canada, Europe, the Middle East, South Africa and Asia-Pacific.

Our global online reporting system provides comprehensive acquirer and merchant-level transaction reconciliation and a range of data analytic tools across regions, markets and in any currency.

Delivered from our single, global

Explore the possibilities.

SIX Payment Services SIX Payment Services provides financial institutions and merchants with secure and innovative solutions along the entire value chain of cashless payments. The tailor-made solutions include national and international card transactions and interbank payments. SIX Payment Services guarantees the acceptance and the completion of cardbased payments within Switzerland and internationally and as market leader in Switzerland, Austria and Luxembourg belongs to the major European processors of card transactions. Other services range from the Swiss Interbank Clearing to electronic billing and direct debit. With over 1,000 employees and a local presence at 13 office locations, SIX Payment Services partners with customers in 33 countries. www.six-payment-services.com


SIX Mult SIX Payn become S



Efficiency has a new name. So many services, one new name – SIX Multipay, SIX Pay, SIX Card Solutions, SIX Paynet, and SIX Interbank Clearing become SIX Payment Services.

We provide nancial institutions and retail customers with secure and innovative solutions for cashless payments, setting industry standards in terms of exibility and customer focus. With over 1000 employees and 13 ofce locations, SIX Payment Services partners with customers in 33 countries, which makes us one of the largest subsidiaries of SIX. In the elds of securities trading and settlement as well as nancial information and payment transactions SIX offers rst-rate services worldwide. www.six-payment-services.com




CARD READERS About TSYS® At TSYS, (NYSE: TSS), we believe payments should revolve around people — not the other way around. We call this belief "People-Centered Payments." By putting people at the centre of every decision we make, with unmatched customer service and industry insight, TSYS is able to support financial institutions, businesses and governments in more than 80 countries. As one of the world’s largest companies for processing and licensing payment solutions, TSYS offers a broad range of issuer- and acquirerprocessing technologies that support consumer finance, credit, debit, Islamic, commercial, contactless, loyalty, mobile, instalments, prepaid and related services for global financial institutions and retail companies. With approximately 400 clients in more than 80 countries, TSYS offers strength through scalability, global scale with regional focus, unsurpassed customer service delivery and a core competence in portfolio conversions. Whether your portfolio has 10,000 or 100 million customers, TSYS can flex to meet your requirements. TSYS’ offices are spread across the Americas, EMEA and Asia-Pacific. TSYS provides services to more than half of the top 20 international banks, is a Fortune 1000 company and was named one of the 2012 World's Most Ethical Companies by Ethisphere magazine.

TSYS 10 Chiswell Street London EC1Y 4UQ United Kingdom +44 (0) 207 160 9400 [email protected] www.tsys.com

HID Global Cashless Payment Solutions Web: www.hidglobal.com/ids/ cashlessPayment.php

HID Global enables leading payment and ticketing system integrators,

terminal manufacturers, operators and card issuers with secure contactless solutions that help reduce costs, improve efficiency and enhance customer satisfaction. With our interoperable reader boards for mobile terminals and ticket validators, cards and instant issuance card printers coupled with our integration expertise, HID Global offers customers the best choice of cashless payment solutions.

CHARGEBACK SYSTEMS

Clear2Pay provides you the unique, cost-saving CBK Chargeback Software Solution for automated management of credit & debit card disputed transactions. Clear2Pay operates out of Belgium (HQ) and another 20 offices in 11 countries. The company employs around 1,200 staff. www.clear2pay.com – [email protected]

CONSULTANTS

Bayberry Consulting

Tel: +353 (1) 282 7103 Email: [email protected] Web: www.bayberryconsult.com

Bayberry is an independent banking and payments advisory firm. Our successful

and highly rated team has a record of delivering successful projects globally and in bringing new ventures to market. If you are a Retail Bank, Credit Union, Payment Processor or new entrant, we can help you to build innovative business models, analyse new markets, take the right technology decisions, and navigate the regulatory environment, to deliver revenue-generating consumer banking and payments strategies.

EPCA – European Payments Consulting Association www.epca.de




Payments Cards and Mobile Consulting occupies a niche position in the market. We have been in business for more than 16 years and through our Publications and Research divisions we have an exclusive overview of the market.

Founded in 1991, First Annapolis is a specialized advisory firm focused on electronic payments. Our market coverage is international in scope with a primary focus on North America, Latin America, and Europe. First Annapolis is headquartered in the Baltimore / Washington, D.C. corridor and Europe is served through our office in Amsterdam. In total, we have over 70 professionals across our practice areas giving us one of the largest and strongest advisory teams focused exclusively on electronic payments.

Our consulting practice offers customers quality consultants and associates who are experts in their field, from ex-bankers to trained consultants in Business Strategy, Project Management, Operational Excellence, Risk and Security audit reviews, Technology Acquisition (solution and vendor selection) and if your road map requires we have a separate but integrated consulting business in Mobile Payments Consulting. We cover:

Practice Areas Card Issuing Deposit Access Merchant Acquiring

Retailer Services Mobile Commerce & Alternative Payments Commercial Payments

Services Management Consulting: Partnership Finance Strategic Sourcing Portfolio Management

Strategy Development / Implementation Loyalty Program Support Commercial Risk & Compliance

M & A Advisory Services: Transaction Support Valuations

Fairness Opinions Negotiation Support

900 Elkridge Landing Road, Suite 400 Linthicum, Maryland 21090, USA www.firstannapolis.com

CONTACTLESS TECHNOLOGY

• Cards • Payments • Strategy Consulting • Business Consulting • Project & Programme Management • Large scale Research Projects

U.S. Office : +1 (410) 855 8500 Europe Office +31 (0) 20 530 0360 [email protected]

Tel: +44 1263 711937 Email: [email protected] www.paymentscardsandmobile.com

HID Global Cashless Payment Solutions Web: www.hidglobal.com/ids/cashlessPayment.php

HID Global enables leading payment and ticketing system integrators, terminal manufacturers, operators and card issuers with secure contactless solutions that help reduce costs, improve efficiency and enhance customer satisfaction. With our interoperable reader boards for mobile terminals and ticket validators, cards and instant issuance card printers coupled with our integration expertise, HID Global offers customers the best choice of cashless payment solutions. Atos Worldline has a worldwide reputation for its electronic payment terminals and hardware security modules. Omnipresent in supermarkets, petrol stations, and shop counters throughout Europe, the Atos Worldline range of payment terminals provides new levels of convenience, security, reliability and speed to users. Web: atosworldline.com/terminals


1200 Avenue Olivier Perroy Z.I De Rousset F-13106 ROUSSET Cedex Tel: +33(0)442538830 Fax: +33(0)442538448 www.s-p-s.com [email protected]

About SPS (Smart Packaging Solutions), SPS is a global leader in reliable technologies involving contactless and dual interface smart cards, and a leading provider of high-quality inlays for e-Passports. Based in Rousset (Bouches-du-Rhône, France) and backed by around 90 staff, the company is positioned on markets for electronic ID and banking cards. Its market offering is based on an unrivalled proprietary patented technology (portfolio of more than 120 patents) that it provides for large end-customers including governments, national printing houses and smart card manufacturers etc.



EMV SOLUTIONS

Trüb AG Hintere Bahnhofstrasse 12 5001 Aarau Switzerland Tel. +41 62 832 00 00 [email protected] www.trueb.ch

TAG Systems www.tagsystems.net TAG Systems has made a clear choice for EMV products based on Java.

Trüb is a national and international leader in the development and production of technically secure and high quality smart cards and identity solutions. Founded in 1859, the company is among the world’s leading suppliers of national identity documents such as identity cards, datapages for passports and driving licences, as well as EMV compliant bank cards, customer loyalty cards and solutions for logical and physical access. CombOS®, the operating system for smart cards and the comprehensive range of chip and antenna technology from Trüb allow for the realization of EMV compliant payment solutions, with either contact-based, contactless or Dual Interface.

ePAYMENT SOLUTIONS

OpenWay Group (www.openwaygroup.com) n Highest rating by Gartner, 2009 and 2010* the ai corporation

n Developer and vendor of WAY4 card and merchant management, channel banking and transaction switching software

Fighting card fraud in the 21st Century

n More than 110 clients, including major banks, processors and telecom companies in Europe, US, Asia, the Middle East and Africa

Please see main entry under Fraud Management

WAY4 single platform:

Discovery House, Pynes Hill, Exeter EX2 5AZ United Kingdom Tel: +44 1392 279 042 www.aicorporation.com

n Customer-centric rule-driven environment: l l l l l l

Debit, credit, prepaid and commercial cards, deposits, loans, current accounts, mobile money POS, ATM, Kiosk, Web, Mobile management: product management and information services, online payments and fund transfers, targeted marketing campaigns based on a single customer profile Merchant Acquiring Payment Switch / Hub Behaviour Loyalty more …

n 24/7 high-speed processing on open platform clusters n Scalable from compact to high-end systems supporting 3000 TPS, 150 million cards and 20 thousand branches in 11 time zones n SEPA compliant n Certified by PCI SSC (PA-DSS compliance) n Certified by MasterCard, Visa, AMEX, Diners Club, JCB, CUP * The report “MarketScope for Multiregional Card Management Software” by Kristin R. Moyer, 27.05.2009 and 22.06.2010. The MarketScope is copyrighted 2009 and 2010 by Gartner, Inc. and is reused with permission. The MarketScope is an evaluation of a marketplace at and for a specific time period. It depicts Gartner's analysis of how certain vendors measure against criteria for that marketplace, as defined by Gartner. Gartner does not endorse any vendor, product or service depicted in the MarketScope, and does not advise technology users to select only those vendors with the highest rating. Gartner disclaims all warranties, express or implied, with respect to this research, including any warranties of merchantability or fitness for a particular purpose.




SMi Group Ltd

EVENTS CARTES 2012 CARTES, the world’s leading event in smart solutions for security, payment, identification and mobility, will take place from November 6 to 8, 2012 at ParisNord Villepinte. With 450 exhibitors and 140 conferences featuring international experts, the event is attended by 20,000 visitors who come to discover the latest trends and innovations in the industry from chip cards to cloud computing (mobile payment, NFC, biometrics, M2M...) India is the country guest of honour in 2012, a huge potential market for payment and identification technologies. Each year, the SESAMES Awards reward the 10 best innovations in the industry and the winners are announced on the eve of the exhibition. www.cartes.com EFMA www.efma.com/cards EFMA 2012 Cards and Payments Efma’s 2012 Cards and Payments conference is taking place in Paris on 25-26 September. Now in its tenth year, this event attracts around 350 senior executives from throughout the world. More information: www.efma.com/cards

CARDS & PAYMENTS SOLUTIONS 12th – 13th March 2013, Earls Court, London Retail Business Technology Expo www.retailbusinesstechnologyexpo.com The must visit event for retail and hospitality organisations looking for the right tools, solutions and advice on how to best run their business. Showcasing end to end solutions, from cards and payments; marketing; ecommerce and supply chain to the customer. It offers the opportunity to see a wide range of specialist payment suppliers and also solutions beyond pure payments, such as analytics and loyalty plus a major Cards & Payments Seminar Theatre at the show.


2nd Floor South Harling House 47-51 Great Suffolk Street London SE1 0BS Contact Telephone: +44 (0) 207 827 6000 Our aim is to provide you with the Highest Quality Events in Defence, Security, Energy, Utilities, Finance and Pharmaceutical sectors, which are timely relevant and important to you and your company!

EXECUTIVE SEARCH CONSULTANTS

Market intelligence BUSINESS, TECHNOLOGY, MARKET. Payments Cards and Mobile Research offers comprehensive, targeted research into topics which are relevant and tailored to your needs. For more information visit: paymentscardsandmobile. com/research

Our sector focus brings a unique blend of general management experience from within the industry combined with senior level consulting professionals to deliver exceptional results, worldwide, from multinationals to start-up companies. Greenings thrives on performance and referrals across the industry over the last 23 years. SECTOR FOCUS: Connected Devices, Cards & Payments Technology, Acquiring, Issuing, Retail, Mobile, Travel, Multi- Media, Regulators & Government. ROLES: NEDs, 'C' level roles, Innovation, Strategy, Business Development (M&A), Sales, Marketing, Product Development, Customer Service, Finance, Fraud Prevention & Risk Management, HR, Programme Management, Legal & Compliance. ADVISORY SERVICES: M&A, Funding, Organisation Design, Assessment, Performance & Engagement, The World Program. INTERNATIONAL OFFICES: London, Luxembourg, Toronto Website: www.greeningsinternational.com www.theworldprogram.com



Positive prospects for POS industry Battle lines have been drawn and competitors are getting ready to enter the fight. The mobile wallet war has begun in earnest, but who will be victorious? Now that mobile NFC payment solutions are hitting the mainstream, and the long-held vision of consumers using their smartphones to make payments now becoming a reality, all eyes are on which of the world’s leading payment players strike first blood. It’s not just the payment players and networks who will have a stake in the battle – telco firms, handset manufacturers and other third parties are also caught up in the fray. So too will merchants, who will have to choose sides and form alliances. The market dynamics of mobile payments will create opportunities for entrants of all shapes and sizes, but will also likely create confusion in the minds of customers. The POS terminal market is undergoing a major transformation worldwide as consumers get used to new payment methods and channels. As technology has advanced, the ability to use wireless internet to process transactions has opened up a new world of possibilities, allowing merchants to conduct transactions from anywhere at any time, and removing the need to have a fixed land line in place. Using mobile phones as a POS acceptance device is an example of business model innovation using a low-cost distribution model, allowing the large-scale registration of small merchants, previously a pain point for acquirers. In this new era of payments, customers expect a seamless experience, no matter which channel they’re using. Customers expect the POS channel to work in harmony with e-commerce, m-commerce and s-commerce channels, and the resulting change in consumer behaviour is having a profound impact on the development of new POS solutions. Looking at Europe alone, there are 20 million potential micro-merchants which


could feasibly install mobile POS solutions, a mouth-watering prospect for POS terminal manufacturers and their partners. But they will also be mindful of upstarts like Square and iZettle, which, according to industry analysts, have already added 12-15% to the card accepting merchant base of their respective markets.

Mobile POS has real demand Mobile POS has real demand and could be disruptive to traditional acquirers. Leaders in this space use highly automated signup and boarding, innovative risk management, and low-cost customer support models. Serving merchants also means finding new, low-cost distribution strategies. Acquirers must, therefore, consider fairly radical strategic changes in order to operate profitably in the micro-merchant segment. It is imperative that manufacturers and acquirers decide how to fit new mobile POS solutions into their go-to-market strategy.

However, Square, Intuit and others in the US have demonstrated that, when presented with the right offer, numerous such merchants are keen to accept card payments. By leveraging the capabilities of a customer’s existing smartphone or tablet, the mPOS model substantially reduces the costs. It is likely that in 2012 – as has been seen in the US – in European markets there will be a land grab to sign up merchants for mPOS solutions. But there are also hurdles to overcome. For an existing acquirer, mPOS represents a substantial opportunity to obtain incremental volume. However, without changes to typical current operating models it also presents economic challenges given much lower revenues per merchant. As the payment industry welcomes widescale launches of NFC, it’s more important than ever for merchants to have access to the latest POS terminals capable of handling an increasing array of complex payment methods, and the ability to adapt to more in the future.

Research has shown that one of the key barriers to adoption of card payments amongst smaller merchants is the upfront and/ or fixed costs of ‘traditional’ propositions from acquirers.



Over US$12 trillion wholesale transactions processed every day. 100 billion consumer payment transactions each year. 22 of the world’s 25 largest banks. Building, implementing and supporting payment and banking systems, worldwide. ACI payment systems.

www.aciworldwide.com/futureofpayments Follow ACI Worldwide on Twitter @ACI_Worldwide


FRAUD MANAGEMENT the ai corporation The ai Corporation provides real time fraud detection systems to Issuers, Acquirers and Merchants around the world. ACI Worldwide powers electronic payments and banking for 1,650 financial institutions, retailers and processors around the world. Through our integrated suite of sof tware products and hosted services, we deliver a broad range of solutions for electronic payments, transaction banking, mobile, branch, and voice banking, fraud detection and trade finance. To learn more about ACI and understand why we are trusted globally, please visit www.aciworldwide.com

Alaric – evolving with your payment needs Tel: +44 (0) 20 7593 2200 Fax: +44 (0) 20 7401 7455 Web: www.alaric.com Email: [email protected]

An international provider of leadingedge software products for EFT Authorisation & Switching, Fraud Prevention & Detection, Risk Management and Payments Integration. Alaric’s principal focus is providing

Our flagship solution, RiskNet, is used by major organisations such as Global Payments Inc, Barclays, HSBC, WorldPay and China Construction Bank. Each year our solutions monitor tens of billions of transactions and authorisations, and hundreds of millions of cards. RiskNet has specific versions for Issuing and Acquiring. Our systems empower the operator by providing powerful tools to detect fraud as it happens – and stop it.

business-driven technology software products for the payment industry that meets ever-increasing business demands and keeps abreast of the industry regulatory requirements. Alaric’s products provide financial institutions, retailers and processors with products that are 100% Java and platform independent, making integration and migration far simpler. Authentic is a highly configurable authorisation and switching system which incorporates innovative, powerful user capabilities for managing business logic and for quickly building interfaces between multiple networks, devices, internal systems.

The Logic Group Waterfront Business Park Fleet, GU51 3SB UK

BPC Banking Technologies www.bpcbt.com See our main entry in Card Payments Solutions


Web: www.the-logic-group.com Email: [email protected] Tel: +44 1252 776 700 The Logic Group specialises in the secure management of information

RiskNet addresses a wide range of customer environments and can be deployed in multi-product, multischeme, multi-institution and multicurrency environments. RiskNet provides interfaces for popular SMS and automated voice calling systems such as Adeptra. Over 100 major financial organisations currently use RiskNet; with great results. If you are interested in reducing fraud or improving your company’s profitability, then please make an enquiry to: Discovery House, Pynes Hill, Exeter EX2 5AZ United Kingdom Tel: +44 1392 279 042 email: [email protected] Web: www.aicorporation.com

Fractals is a real-time payment card risk management and fraud detection system which uses an advanced classification engine to detect all types of payment card fraud coupled with a highly developed rules environment. Both Fractals and Authentic can be used by credit/debit issuers, acquirers (both ATM and merchant) and payment processors. Today Alaric serves a varied blue chip client base throughout the world with clients ranging from global organisations to small regional financial institutions. If your world is constantly changing and time to market is imperative to your business, then you too should be talking to Alaric.

and transactions through the delivery of trusted solutions for multi-channel payments; customer insight and loyalty; and security, fraud and risk management. The company is behind many of the best known names for whom maximising the value of their customer interaction matters most with 60% of Tier 1 retail organisations in the UK using our solutions to process payments from stores, ecommerce sites, kiosks and call centres.



LEASE COMPANIES Web: www.iris-analytics.com Email: [email protected] Tel: +49 6102 56058 00

Northern Leasing Systems, Inc.

Real-time decisions for improved fraud and risk control IRIS® is a multi-channel fraud prevention solution designed for use by retail banks, acquirers, payment switches, PSPs and payment processors. It covers all payment types from cards to current accounts to mobile, and everything in between. IRIS® features a unique multi-tenancy concept, allowing a single instance of the software to be used by many different organisations with “Chinese walls” to protect sensitive data – particularly useful for acquirers, PSPs and processors, but also for any organisation where fraud profiles differ across different parts of the organisation; across borders in retail banking, for example. IRIS® provides 100% in-flight scoring even during peak periods, because payment switches and authorisation systems also work 100% in real-time. “Near real-time” is too late. IRIS® includes a simulation engine and self-learning algorithms that the user controls, producing understandable results that you can edit quickly – no more consortium models, and no more waiting for model updates. IRIS® delivers 24*7 high availability; PCI-DSS compliance; operates on standard server hardware; reduces TCO whilst increasing fraud prevention rates at very low false positive ratios. In order to prove our claims, challenge us. Give us some historical data, and we will build and test a decision model specific to your requirements. You can compare the results and use them to build a bullet-proof business case for IRIS®.

Northern Leasing Systems provides finance programs for all credit card equipment and will offer to purchase credit card terminal estates of any size. Contact Richard Hahn at 1 877 325 6469 [email protected] www.northernleasing.com

IDENTITY DOCUMENTS Trüb AG Hintere Bahnhofstrasse 12 5001 Aarau Switzerland Tel. +41 62 832 00 00 [email protected] www.trueb.ch





MOBILE PAYMENTS

PAYMENT PROCESSING

www.credorax.com Mobile Payments Consulting bring deep industry expertise backed by a strong m-payment operational heritage, offering in-depth opportunity appraisal, strategic and operational advice and professional insight for any mobile financial services or m-payment challenges. We are proficient in: Market analysis, Marketing Management, Branding and Communication strategy, Existing business migration, Identification and quantification of market segmentation, Due Diligence, Partner selection, Roll-out map and Interim management. www.paymentscardsandmobile.com Net1 Universal Technologies (Austria) GmbH Web: www.at.net1.com Email: [email protected]

Credorax is a leading provider of Smart Acquiring Solutions enabled by NextGen Technology. An EU licensed Financial Institution and Principal Member of Visa and MasterCard, Credorax offers Smart Acquiring Solutions to partnering IPSPs, ISOs and merchants. A New Era in Acquiring Services Credorax's unique Unified Acquiring model is based on a combination of three core offerings: Licensed International Acquiring, Innovative Business Solutions and NextGen Technology. As such, the company is uniquely positioned to provide Smart Acquiring Solutions built to optimize operational processes and maximize business growth. As a result, Credorax partners and merchants benefit from increased transaction approval rates, higher conversion rates, efficient online chargeback handling services and advanced fraud management tools, as well as dedicated account management. Technology Credorax’s Smart Acquiring Solutions are based on the company’s proprietary payment platform; ePowerTM, a Unified Transaction Processing & Acquiring platform built to optimize the payment and acquiring lifecycle process. Credorax headquarters are in the US with offices in Malta, Canada and Israel.

Tel: +43 1 47601-0 The Net1 Group has a track record of 23 successful years in the payments industry and is headquartered in Johannesburg, South Africa. Net1 has subsidiaries in Austria, India, Russia, the USA, and affiliates all around the world. Net1 has a primary listing on the Nasdaq (UEPS) and a secondary listing on the JSE Limited (Johannesburg Stock Exchange). Net1’s latest product innovation “VCpay” is an end-to-end mobile payment solution for consumers to generate virtual payment cards for one-time-use on their mobile handset. The VCpay platform offers a wide range of mobile payment products and services such as retail purchases, online payments, money transfers/remittances, gift vouchers, and many more. VCpay can considerably enhance an Issuer’s value proposition, as well as offer new, lucrative and previously unviable or unavailable business models.

PAYMENT SOFTWARE

PAYMENT SECURITY

the ai corporation Fighting card fraud in the 21st Century Please see main entry under Fraud Management Discovery House, Pynes Hill, Exeter EX2 5AZ United Kingdom Tel: +44 1392 279 042 www.aicorporation.com

INPAS 127521 Russia, Moscow 72 , Oktyabrskaya st. Tel +7 (495) 721 36 21 Website: www.inpas.ru Email: [email protected]

TAG Systems www.tagsystems.net




PAYMENT SOFTWARE SOLUTIONS

of the largest providers of acquiring technologies on the Russian market. INPAS 127521 Russia, Moscow 72 , Oktyabrskaya st. Tel +7 (495) 721 36 21

the ai corporation Fighting card fraud in the 21st Century Please see main entry under Fraud Management

Website: www.inpas.ru/en/ Email: [email protected] INPAS Company, founded in 1995, is a part of an IT holding named ITG (INLINE Technologies Group); today it is one

Discovery House, Pynes Hill, Exeter EX2 5AZ United Kingdom

Web: www.compassplus.com

Tel: +44 1392 279 042

See main entry under Software Solutions

www.aicorporation.com

INPAS Company is well known for its project activities: all products and technologies including POS-terminal equipment, application software, control systems, smart cards. INPAS offers accomplished competitive integrated solutions to banks and retailers based on VeriFone, GLORY and other vendors’ products and technologies, also NFC technologies and software of its own production.

Compass Plus provides proven software and services for financial institutions, including retail banks and payment processors across the globe that operate in complex and rapidly changing business and technology environments.

www.rs2.com [email protected]

intelligent issuing and acquiring software

RS2 Software is a global provider of fully comprehensive, high performance and high-availability card management solution BankWORKS® targeted at international and domestic banks, service providers, retailers, PSPs, ISOs and financial institutions. BankWORKS® is a multi-lingual, multi-institutional and multi-currency solution that supports all aspects of intelligent ATM and POS control software card Issuing, Acquiring and Clearing services. The system comes with a full featured browser based GUI and it supports all major card schemes and private branded cards. BankWORKS® covers all payment areas including card issuance, merchant acquiring, clearing and settlement, online switching and authorization, PIN management, customer service, cross border functionality, e-commerce and dispute and fraud management. RS2 Software has over 20 years of experience the industry andEMV it operates from intelligent EMV chip cardinsoftware various offices around the globe. RS2 SMART PROCESSING is an alternative cost-effective solution to use the BankWORKS® system without having to invest in software and infrastructure. RS2 SMART PROCESSING offers BankWORKS® and Managed Services where clients are given access to a private cloud-hosted data centre facility in order to utilise the BankWORKS® modules and services that internet/web intelligent online payments software are required for their business.

intelligent mobile payments software

Social Marketing

Join the conversation. 'Social Media made Simple' is a bespoke step-by-step programme to shape your entry into Social Marketing. Delivered by payments professionals for payments professionals. Contact [email protected] for a free consultation. intelligent payments facilitation module

intelligent payments call center module


frontend switch

Call Centre



PAYMENT SOLUTIONS

INPAS

Please see main entry under Fraud Management the ai corporation Fighting card fraud in the 21st Century

Discovery House, Pynes Hill, Exeter EX2 5AZ United Kingdom Tel: +44 1392 279 042 www.aicorporation.com

Atos Worldline has a worldwide reputation for its electronic payment terminals and hardware security modules. Omnipresent in supermarkets, petrol stations, and shop counters throughout Europe, the Atos Worldline range of payment terminals provides new levels of convenience, security, reliability and speed to users. Web: atosworldline.com/terminals

127521 Russia, Moscow 72 , Oktyabrskaya st. Tel +7 (495) 721 36 21 Website: www.inpas.ru/en/ Email: [email protected] INPAS Company, founded in 1995, is a part of an IT holding named ITG (INLINE Technologies Group); today it is one of the largest providers of acquiring technologies on the Russian market. INPAS Company is well known for its project activities: all products and technologies including POS-terminal equipment, application software, control systems, smart cards. INPAS offers accomplished competitive integrated solutions to banks and retailers based on VeriFone, GLORY and other vendors’ products and technologies, also NFC technologies and software of its own production.

Groupe Ingenico 28-32 Boulevard de Grenelle F - 75015 Paris Tel: + 33 1 58 01 8000 www.ingenico.com Ingenico provides a One-stop-shop offer of secure transaction solutions. The offer combines payment terminals, terminal estate management, payment applications, connectivity, routing, acquisition and value-added services. This offer is complete and inclusive whatever the sales channel used by retailers: payment at points of sale, over the Internet, or by mobile telephone.

Lateral Payment Solutions Ltd Quicks Road, Wimbledon London SW19 1EX Tel: +44 (0) 208 545 8848 Email: [email protected] www.lateralpayments.com

Your Complete Payment Solution Lateral Payments are a world renowned payment processor. Our secure multi-currency transaction engine is used by leading internet merchants who benefit from our flexible portfolio of online payment services. Using our prodigious industry knowledge, and our efficient team of payment experts, you know your payments are in safe hands.


[email protected] +44 (0) 1895 275275 www.verifone.com About VeriFone Systems, Inc. VeriFone Systems, Inc. (“VeriFone”) (NYSE: PAY) is the global leader in secure electronic payment solutions. VeriFone provides expertise, solutions and services that add value to the point of sale with merchant-operated, consumer-facing and self-service payment systems for the financial, retail, hospitality, petroleum, government and other vertical markets. VeriFone solutions are designed to meet the needs of merchants, processors and acquirers in developed and emerging economies worldwide. Our innovative payment devices process a broad range of card transaction types, whilst incorporating existing and emerging technologies for connectivity, communication and security. VeriFone also provides enterprise software solutions and managed services for card acceptance, card management, valueadded applications, estate management and end-to-end encryption of cardholder data – all with proven reliability in highvolume and multi-channel environments.



PLASTIC CARD MANUFACTURERS

QUALIFIED SECURITY ASSESSORS

Alioth

127521 Russia, Moscow 72 , Oktyabrskaya st.

For more information, visit www.trustwave.com

Tel: +7 (495) 721 35 05 Web-site: www.alth.ru

Alioth Production Company, founded in 2008, is a plastic card manufacturer.

RECRUITMENT

The company’s mission is to produce plastic cards as a means of personal identification, and remote access systems that provide various services. Alioth Company provides full-cycle production of plastic cards from design, personalization and further packaging and delivery to a client. The company offers the following products: magnetic, microprocessor-based, dual and contactless EMV standard card, bank cards, discount cards, club cards, social, transport cards and smart cards for identification and access control. The company provides services in graphic and electronic personalization of cards, to ensure safe storage and transportation of products.

www.cardandpaymentjobs.com is the job board dedicated to the card and payment industry. We bring together the latest industry roles and the best qualified candidates. To advertise your jobs or to apply for the latest ones, visit www.cardandpaymentjobs.com or email [email protected]

More than a magazine Payments Cards and Mobile is the leading publication combining coverage of the card payment business with mobile and contactless payments worldwide: Payments Cards and Mobile provides an objective coverage of the payment industry worldwide. With the highest standards of editorial coverage in the payments industry, Payments Cards and Mobile offers news, interviews with market leaders, vendor- coverage combined with industry insights and trends, in-depth analysis, web-based feedback and articles contributed by other industry experts.

To subscribe, visit: www.paymentscardsandmobile.com and click ‘Subscribe’


Payments Industry Intelligence



SMART CARD MANUFACTURERS

Alioth

127521 Russia, Moscow 72 , Oktyabrskaya st. Tel: +7 (495) 721 35 05 Web-site: www.alth.ru

Alioth Production Company, founded in 2008, is a plastic card manufacturer. The company’s mission is to produce plastic cards as a means of personal identification, and remote access systems that provide various services. Alioth Company provides full-cycle production of plastic cards from design, personalization and further packaging and delivery to a client. The company offers the following products: magnetic, microprocessorbased, dual and contactless EMV standard card, bank cards, discount cards, club cards, social, transport cards and smart cards for identification and access control. The company provides services in graphic and electronic personalization of cards, to ensure safe storage and transportation of products.

BUYERS GUIDE 2012-2013 IS AVAILABLE ONLINE FOR DIRECT ACCESS TO THE COMPANIES LISTED, VISIT paymentscardsandmobile.com/ BuyersGuide FOR MORE INFORMATION ON NEXT YEARS DIRECTORY CALL WENDY SANDERS ON +44 1263 711801


FutureCard Europe/CIS/Africa/America. Tel: + 33 1 58 04 26 92 Mr. Laurent Charpentier [email protected] Mr. Paul M Pando [email protected] FutureCard Middle East/North Africa/Asia Pacific Tel: + 971 4 329 0830 Mr. Safouane Chebbi [email protected] Mr. Salah Eldin Elsayed [email protected] FutureCard is every card / FutureCard for everybody / FutureCard is everywhere FutureCard, the company FutureCard is an international corporation, expert in the design, manufacturing and customization of all types of cards, from the most basic plastic cards to the most advanced smartcards. While digitalized data replaces paper formats, sustaining trust is a key issue. Both card issuers and cardholders require reliable products in order to operate safely in our efficiency driven world. Commitment & Security As a member of major international organizations (ICMA, GSMA), FutureCard is involved in the compliance to standards, and in the continuous progress and improvement of the card industry. Our different certificates and accreditations (ISO 9001, Visa, MasterCard, SAS, EHS) reflect the quality and security featured in our products. FutureCard also cares about our future and reduces the impact of its operations on the environment through the use of innovative processes and materials. Visit us or contact us at: www.futurecard.com / [email protected]

Trüb AG Hintere Bahnhofstrasse 12 5001 Aarau Switzerland Tel. +41 62 832 00 00 [email protected] www.trueb.ch




SOFTWARE SOLUTIONS

Clear2Pay is a payments modernisation company that actively supports many global financial institutions to meet their payments unification goals through its pure SOA Open Payment Framework (OPF).

ACI Worldwide powers electronic payments and banking for 1,650 financial institutions, retailers and processors around the world. Through our integrated suite of sof tware products and hosted services, we deliver a broad range of solutions for electronic payments, transaction banking, mobile, branch, and voice banking, fraud detection and trade finance. To learn more about ACI and understand why we are trusted globally, please visit www.aciworldwide.com

We offer Financial Institutions the ability to process payments through a centralised payments engine that utilises a library of reusable business services across all payment types. Clear2Pay operates out of Belgium (HQ) and another 20 offices in 11 countries. The company employs around 1,200 staff. www.clear2pay.com – [email protected]

Compass Plus Tel: +44 (0) 115 988 6047 (UK)

the ai corporation Fighting card fraud in the 21st Century Please see main entry under Fraud Management Discovery House, Pynes Hill, Exeter EX2 5AZ United Kingdom Tel: +44 1392 279 042 www.aicorporation.com

Atos Worldline Please see main entry under Card Payment Solutions Web: atosworldline.com Email: [email protected]

Web: www.compassplus.com www.tranzaxis.com Email: [email protected]

Compass Plus provides proven software and services for financial institutions, including retail banks and payment processors across the globe that operate in complex and rapidly changing business and technology environments. Compass Plus builds and quickly implements comprehensive and integrated payment technologies that allow customers to increase revenue and profits, and improve their competitive position by implementing flexible systems that meet market demands. With hundreds of successful projects spanning card, account and merchant management, card personalisation, payment processing, terminal driving, selfservice channel management, mobile and electronic commerce implemented in record breaking time, Compass Plus ensures our customers make the most of their technology investments. Our diverse customer base spans over 100 retail banks, processing centres, national switches and personalisation centres in dozens of countries across Europe, Asia, Africa, the Middle East, North and South America.

Datacard Group

Tel +44 (0)1489 555 600 E-mail: [email protected] Web: www.datacard.com

BPC Banking Technologies www.bpcbt.com See our main entry in Card Payments Solutions


Datacard Group collaborates with financial institutions, credit unions, retailers and others to put high-quality cards in consumers’ hands instantly

and conveniently. With a heritage of more than 40 years of proven experience and customer success, Datacard offers CardWizard® software, the #1 brand in instant issuance and PIN selection. CardWizard software enables the issuance of payment cards with exceptional security, reliability and flexibility – anywhere.



The Logic Group


Waterfront Business Park Fleet, GU51 3SB UK Web: www.the-logic-group.com Email: [email protected] Tel: +44 1252 776 700 The Logic Group specialises in the secure management of information and transactions through the delivery of trusted solutions for multi-channel payments; customer insight and loyalty; and security, fraud and risk management. The company is behind many of the best known names for whom maximising the value of their customer interaction matters most with 60% of Tier 1 retail organisations in the UK using our solutions to process payments from stores, ecommerce sites, kiosks and call centres.

OpenWay Group (www.openwaygroup.com) n Highest rating by Gartner, 2009 and 2010* n Developer and vendor of WAY4 card and merchant management, channel banking and transaction switching software n More than 110 clients, including major banks, processors and telecom companies in Europe, US, Asia, the Middle East and Africa WAY4 single platform: n Customer-centric rule-driven environment: l Debit, credit, prepaid and commercial cards, deposits, loans, current accounts, mobile money l POS, ATM, Kiosk, Web, Mobile management: product management and information services, online payments and fund transfers, targeted marketing campaigns based on a single customer profile l Merchant Acquiring l Payment Switch / Hub l Behaviour Loyalty l more … n 24/7 high-speed processing on open platform clusters n Scalable from compact to high-end systems supporting 3000 TPS, 150 million cards and 20 thousand branches in 11 time zones n SEPA compliant n Certified by PCI SSC (PA-DSS compliance) n Certified by MasterCard, Visa, AMEX, Diners Club, JCB, CUP * The report “MarketScope for Multiregional Card Management Software” by Kristin R. Moyer, 27.05.2009 and 22.06.2010. The MarketScope is copyrighted 2009 and 2010 by Gartner, Inc. and is reused with permission. The MarketScope is an evaluation of a marketplace at and for a specific time period. It depicts Gartner's analysis of how certain vendors measure against criteria for that marketplace, as defined by Gartner. Gartner does not endorse any vendor, product or service depicted in the MarketScope, and does not advise technology users to select only those vendors with the highest rating. Gartner disclaims all warranties, express or implied, with respect to this research, including any warranties of merchantability or fitness for a particular purpose.




TERMINAL MANUFACTURERS About TSYS® At TSYS, (NYSE: TSS), we believe payments should revolve around people — not the other way around. We call this belief "People-Centered Payments." By putting people at the centre of every decision we make, with unmatched customer service and industry insight, TSYS is able to support financial institutions, businesses and governments in more than 80 countries. As one of the world’s largest companies for processing and licensing payment solutions, TSYS offers a broad range of issuer- and acquirerprocessing technologies that support consumer finance, credit, debit, Islamic, commercial, contactless, loyalty, mobile, instalments, prepaid and related services for global financial institutions and retail companies. With approximately 400 clients in more than 80 countries, TSYS offers strength through scalability, global scale with regional focus, unsurpassed customer service delivery and a core competence in portfolio conversions. Whether your portfolio has 10,000 or 100 million customers, TSYS can flex to meet your requirements. TSYS’ offices are spread across the Americas, EMEA and Asia-Pacific. TSYS provides services to more than half of the top 20 international banks, is a Fortune 1000 company and was named one of the 2012 World's Most Ethical Companies by Ethisphere magazine.

TSYS 10 Chiswell Street London EC1Y 4UQ United Kingdom +44 (0) 207 160 9400 [email protected] www.tsys.com

Atos Worldline has a worldwide reputation for its electronic payment terminals and hardware security modules. Omnipresent in supermarkets, petrol stations, and shop counters throughout Europe, the Atos Worldline range of payment terminals provides new levels of convenience, security, reliability and speed to users. Web: atosworldline.com/terminals

Groupe Ingenico 28-32 Boulevard de Grenelle F - 75015 Paris Tel: + 33 1 58 01 8000 www.ingenico.com Ingenico provides a One-stop-shop offer of secure transaction solutions. The offer combines payment terminals, terminal estate management, payment applications, connectivity, routing, acquisition and value-added services. This offer is complete and inclusive whatever the sales channel used by retailers: payment at points of sale, over the Internet, or by mobile telephone.

Mag-Tek Europe Units 25/26, Shrivenham Hundred Business Park, Watchfield, Swindon SN6 8TZ United Kingdom E-mail: [email protected] Web: www.magtekeurope.com

Tel: +44 (0)1793 786070 Fax: +44 (0)1793 786076 Since 1972, MagTek has provided the payments industry with secure payment solutions. Now offering the highest level of security in any payment terminal, IPAD®EMV and iDynamoEMV, PCI PTS 3.1 certification with full P2PE.


SPECTRA Technologies website: www.spectratech.com e-mail: [email protected]

SPECTRA Technologies Holdings Co. Ltd. is the Greater China Leader in design and development of electronic transactions technologies. Our product includes T1000, T800, T700 mobile / countertop terminal, CREON POS with options of countertop, wireless, mobile, bluetooth and contactless; PR608 pinpad & reader with option for contactless or docking; SR300 external contactless reader and PP300 external pinpad. Also provide Business Application Solution such as the VIP system and e-GiftCard system.



TEST TOOLS

Barnes International Limited Cedar Court, 5 College Street, Petersfield, Hampshire, GU31 4AE, United Kingdom. Tel: +44 (0)1730 231313 Fax: +44 (0)1730 265353 E-mail: [email protected] Web: www.barnestest.com

Barnes is a leading supplier of magneticstripe and smart card test tools plus offers laboratory facilities and consultancy services to all market sectors in the global card and ticket industry. Barnes Test Tools are used to: • Ensure quality magnetic stripe cards worldwide – Magnetic Stripe Analysis Tools; • Ensure accurate smartcard personalisation for financial cards, tags and mobile payment applications issued for all major payment schemes – Amex, EMV, JCB, MasterCard (M/Chip, PayPass, CPV, Mobile), Visa (VIS, VCPS, VMCPS, GPR), Discover, Interac, CUP/ PBOC and other payments schemes – Personalisation validation Tools; • Enable test script development for Transport (Contact and Contactless), Loyalty and GSM; • Test compliance of Global Platform 2.2 cards to the GP Card UICC Configuration v1.0.1 and 2.1.1 cards to the Basic Financial Configuration 1.5 specifications with the new, fast and flexible GP qualified test tool. • Enable data monitoring and analysis between any smart card and terminal, PLUS terminal simulation for ISO, GSM and EMV Level 1 electrical and protocol conformance testing and card defect investigation.

Clear2Pay’s Open Test Solutions enable secure, cost effective and fast end-to-end testing that enables you to quickly develop and deploy secure, compelling services with the highest possible market acceptance. We provide you value-added, integrated test solutions and services for ATMs, cards, devices, handsets, payment networks and back-office systems. Our solutions are acknowledged by the industry (EMVCo, NFC Forum, ETSI, GCF, Visa, MasterCard, JCB,…) and used by companies around the world. Clear2Pay operates out of Belgium (HQ) and another 20 offices in 11 countries. The company employs around 1,200 staff. www.clear2pay.com – [email protected]

COMPRION is the leading test equipment manufacturer for Smart Card interfaces. Email: [email protected] Website: www.comprion.com




VIDEO PRODUCTION

Payments industry corporate video

Payments Cards and Mobile, a trusted name in the payments industry, has launched a filming service. We offer 4 packages:

Product

Management

Corporate

Bespoke

All packages are professionally filmed in HD with lights, music and script. Each film is delivered as: full length video, compatible for web, handheld device and DVD + individual sections that can be used independently for web/advertising etc.

If you want to get your company’s product or profile on film, online, on mobile – call PCM for further details: +44 (0) 1263 711800 [email protected]


Payments Industry Intelligence



Further Industry Listings

Card Networks

American Express www.americanexpress.com Diners Club www.dinersclubinternational.com Discover www.discovercard.com MasterCard www.mastercard.com UnionPay www.unionpay.com Visa www.visa.com

ePayment Solutions

Payment Security Solutions

Paysafecard Gemalto www.paysafecard.com www.gemalto.com SecureTrading www.securetrading.com

Ukash www.ukash.com

BC Card www.bccard.com/company/eng

Commidea www.commidea.com

Fraud Management

Payment Solutions

Eurogiro Cybernet www.eurogiro.com www.cybernetww.com

In-Solutions Cybersource www.insolutionsglobal.com www.cybersource.co.uk NETS Card Payment Solutions Thales e-Security www.nets.com.sg www.thales-esecurity.com Giesecke & Devrient SmartSoft www.gi-de.com ValidSoft www.smartsoft-it.com www.validsoft.com Multos Sybase 365 www.multos.com www.sybase.com NBS Technologies www.nbstech.com Oberthur Technologies www.oberthurcs.com Tag Systems www.tagsystems.net

Mobile Payments

Teller Alcatel Lucent www.teller.com www.alcatel-lucent.com

Boku POS Terminals www.boku.com Aures Technologies CashEdge www.aures.com www.cashedge.com Card Processors Vivotech Charge Anywhere Datacash www.vivotech.com www.chargeanywhere.com www.datacash.com Dimoco Global Payments Europe Software Solutions www.dimoco.at www.globalpaymentsinc.com eServGlobal Ericsson IPX www.eservglobal.com www.ericsson.com

Consultants

Fico Fiserv Consult Hyperion www.fico.com www.fiserv.com www.chyp.com Tieto Fundamo Ernst & Young www.tieto.com www.fundamo.com www.ey.com iZettle Polar Moment Test Tools www.izettle.com www.polarmoment.com AT4 Wireless mBlox Value Partners www.at4wireless www.mblox.com www.valuepartners.com Mobibucks Galitt www.mobibucks.com www.galitt.com Contactless Technology

Monitise Lexcel Castles Technology www.monitise.com www.lexcel.com www.castech.com.tw Watchdata Micropross NXP www.watchdata.com www.micropross.com www.nxp.com



INSTANT ISSUANCE GIVE CARDHOLDERS THE CONVENIENCE AND SERVICE LEVELS THEY DEMAND New financial instant issuance portfolio Datacard Group offers a full range of new innovative printers, CardWizard® software, the world’s #1 instant issuance software and unmatched global service and support. Our solutions give you the flexibility to issue permanent embossed, unembossed, magnetic stripe, EMV®-compliant cards and NFC enabled mobile devices immediately. Datacard Group makes it easy and affordable to launch a profitable instant issuance card program. Our Secure Issuance Anywhere™ platform empowers you to manage your card and mobile payments programs the way you want to – anytime, anywhere.

To schedule an instant issuance demo, visit www.datacard.com/pcm

Datacard, CardWizard and Secure Issuance Anywhere are registered trademarks, trademarks and/or service marks of DataCard Corporation in the United States and/or other countries. EMV is a registered trademark of EMV CO., LLC. ©2012 DataCard Corporation. All rights reserved.

RETHINK MOBILE KEEP EXPLORING. GO YOUR OWN WAY.

The VCpay App enables secure, on handset generation of one-time use Mobile Virtual Cards (MVCs).

MVCs are as convenient as a traditional credit/debit card, but cannot be skimmed, phished, tapped, cloned or modified.

VCpay handles the full spectrum of mobile payments (retail POS, online shopping, money transfers, gift vouchers, loyalty, etc.)

No card information is stored on the phone, no sensitive data is used to create an MVC, and no cumbersome online card generation required.

VCpay works on any phone platform, linked to any account (bank, prepaid/postpaid), and supports any payment network.

VCpay does not require any changes to existing merchant/acquiring infrastructure.

web: www.at.net1.com | email: [email protected]