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Enablinginnovativepayments

www.hps-worldwide.com

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Since 1995… HPS team offers you the best payment solutions

Who We Are?HPS, an innovative payment software company at the forefront of the international payments industry. PowerCARD is HPS’ pioneering suite of solutions and can process any card type (credit, debit, prepaid, loyalty, corporate and fuel) via any channel (ATM, POS, internet and mobile) covering the entire payments chain, and used by over 350 payments operators worldwide.

HPS, a truly global company which operates in over 85 countries in five regions, and counts several leading financial institutions among its clients.

What We Do?HPS constantly develops ground-breaking and inventive solutions for its global payment platform, PowerCARD. The all-in-one platform is a robust, scalable solution which enables organisations of all sizes to boost the cost-effectiveness and competitive positioning of their card issuing, switching and acquiring solutions.

How Do We Operate?At HPS, we appreciate that we are a fundamental part of an evolving payment industry and our strategy focuses on continually developing our global payment platform PowerCARD to enable innovative payments and proactive responsiveness to the market evolutions.

HPS has developed the PowerCARD platform, which is a comprehensive suite of electronic payments solutions that covers the entire payments value chain of issuing, acquiring & switching in one global platform. This enables payments innovation by allowing new products to be brought to market quicker, and changes to be implemented faster and at a lower cost. The PowerCARD software does this by using a cutting edge and flexible technology architecture that is consistently seen as the future of the payments industry.

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HPS group NOW…

HPS designs, develops, implements and supports a suite of multi-channel electronic payment solutions. We created PowerCARD with the vision of offering innovative solutions that meet all of today’s payment needs.

Since 1995, we have supported our clients and helped them overcome the everyday challenges that they encounter by offering them solutions and quality services. Among our industry’s leaders, HPS maintains close proximity with its clients thanks to its 300 employees across its various offices throughout the world. Our expertise developed in more than 85 countries allows us to effectively meet our clients’ needs by combining 1,000 accumulated man/years of Research & Development with our knowledge of local specific characteristics.

Locations

• Aix-En-Provence• Casablanca• Dubai• Paris

+85COUNTRIES

+350FINANCIAL INSTITUTION

+110PRODUCTION SITES

+15%OF REVENUES IN R&D

+300EXPERTS AND CONSULTANTS

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PowerCARD-xPOS

PowerCARD-eCommerce

PowerCARD-Acquirer

PowerCARD-Switch

PowerCARD-eSecure

PowerCARD-Dashboard

PowerCARD-ACH

PowerCARD-Issuer

PowerCARD-WebPublisher

PowerCARD-ATM

PowerCARD-Tokenisation

PowerCARD-Fraud

PowerCARD Solutions PowerCARD Key Capabilities• The whole payment value chain in a single and modular platform • PA-DSS certification • Multi-language, multi-currency, multipayment scheme & multi-channel capabilities • SOA architecture • Open platform (Unix, Oracle, J2EE based) • High level of performance, security and availability

5,000*

CONCURRENT USERS100,000,000*

CARDS

3,000* TRANSACTIONS

PER SECOND

20,000,000*

BATCHTRANSACTIONS

PROCESSED

*Maximum volumes processed by PowerCARD on a single platform

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PowerCARD-IssuerComplete services for issuance and management of all card types in all formats.

• Client Origination, Boarding, Activation & Retention• Full Product Issuing & Management Functionality• Fraud & Risk Management, Chargeback, Disputes & Collections• Multichannel Loyalty Management• Powerful & Effective Customer Service Capability

Solution OverviewCard and Customer Management• Card Management Module• Interfaces

Customer Account Management• Credit Account Module• Prepaid Account Module• Interfaces

Issuer Clearing & Settlement Management• International Schemes• Domestic Schemes• PowerCARD Managed Schemes Fraud Management• Batch Fraud Module• Interfaces

Chargeback Management• Chargeback Module

Reporting Management• Reporting Module• Dashboard Module• Interfaces

Loyalty Management • Advanced Loyalty Module• Push Marketing Module

Other Interfaces • Com. Interfaces• Bank Host Interfacese

Security Management • HSM Interfaces

PowerCARD-Issuer provides complete services for issuance and management of all card types (corporate, credit, installment, debit, prepaid, gift card) in all formats (magnetic stripe, EMV, NFC / contactless, virtual,…).

PowerCARD-Issuer has been developed to support all kind of issuers, from small to large and global financial institutions, banks, credit companies, retailers and private card processing companies.

The system has full multi-currency, multi-product, multi-institution and multi-language capabilities and manages card portfolios across different countries and for different issuers on a single global platform.

PowerCARD-Issuer’s rule-based engines allow the modernization of financial institutions’ payment systems to achieve origination from any channel and any format, add advanced workflow design to improve the collection and use of payment

information. PowerCARD-Issuer architecture supports configurability, access and use of information, which is not readily possible in a more rigid, black-box environment.

PowerCARD-Issuer also supports all the back-office functions associated with running the card issuance activities – examples include fraud and risk management, chargeback, disputes and collections management.

A customer service focus is essential to the success of the issuers’ payments business. At the heart of PowerCARD-Issuer is a powerful relational database, giving a consolidated view of the customer and the customer’s transactions allowing revenue growththrough customer retention and acquisition. Issuers can view their complete relationship with individual customers, and customer data is readily available for customer pro ling and segmentation activities.

EMV Magstripe NFC

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PowerCARD-AcquirerComprehensive merchant management platform enabling acquirers to tailor specific solutions for merchants.

• Merchant Origination, Boarding, Activation & Retention• Sophisticated Billing, Clearing, Settlement & Reporting• Fraud & Risk Management, Chargeback, Disputes &

Collections• Multiple Pricing & Charging Capabilities• Extensive Set Of Value Added Services• Efficient Merchant Management Support

PowerCARD-Acquirer is a comprehensive merchant management platform enabling acquirers to tailor specific solutions for any kind of merchant from small to large, with or without complex hierarchy, on the same PowerCARD-Acquirer platform.

PowerCARD-Acquirer is a multi-channel solution with no restriction on the type of transactions processed allowing acceptance of all types of payment – online, in person, on the go and over the phone.

Merchant accounts and transactions are stored and managed in PowerCARD-Acquirer giving acquirers complete control of the merchant billing, clearing and settlement processes. Transactions that are submitted to PowerCARD-Acquirer are automatically settled with merchant according to the flexible settlement options that are provided. Merchant service charges

and transaction fees are calculated and managed through PowerCARD-Acquirer which also facilitates the collection of fees and charges fromthe merchants.

Merchant service charges and transaction fees are managed through a sophisticated and powerful fee generation engine that gives acquirers flexibility to propose attractive pricing options to merchants.

PowerCARD-Acquirer multi-currency, multi-institution and multi-language capabilities allow the management of cross-border acquiring operations. PowerCARD-Acquirer’s ability to manage merchant portfolios in different countries and for different acceptance institutions, meets the needs of global and multinational merchants.

Solution Overview Merchant Management• Merchant Management Module• Merchant Account Module• Interfaces

Transaction Management• Transaction Processing Module• Chargeback Module

Acquirer Clearing & Settlement Management• International Schemes• Domestic Schemes• PowerCARD Managed Scheme

Reporting Management• Reporting Module• Merchant Profitability Module• Dashboard Module• Interfaces

Fraud Management• Batch Fraud Module• Interfaces

Accounting Management• Accounting Module

Acquiring Channel Management• PowerCARD-eCommerce Interface• PowerCARD-Switch Interface• 3rd Party Switch Interface

Value Added Services Management• Merchant Promotions Module• Push Marketing Module • Bill payment Module• Mobile Top Up Module• DCC Module

Merchant Management

Merchant Contract

Merchant Pricing

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PowerCARD-Switch Routing, stand in, authorization available in a high available environment.

• Authorization management• Message Switching• Stand-In, Store And Forward (SAF)• Multi-channel• Real-time And Near Real-time fraud detection• Supports Active-Active• High Level of Performance

PowerCARD-Switch for AcquirerSwitching Management• Routing Module

Acquirer Authorization Interfaces• International Schemes• Domestic Schemes• PowerCARD Managed Schemes

Fraud Management• Online Fraud Module• Interfaces

Value Added Services Management• VAS Interfaces

Security Management• HSM Interfaces

PowerCARD-Switch for IssuerStand-In Management• Stand-In / SAF Module

Authorization Management• Bank Host• Issuer Authorization Module

Issuer Authorization Interfaces• International Schemes• Domestic Schemes• PowerCARD Managed Scheme

Fraud Management• Online Fraud Module• Interfaces

Script Management• Scripting Module

Security Management• HSM Interfaces

PowerCARD-Switch offers 100% availability with active/active architecture, it is also able to process thousands of transaction per second. A performance expected in the mission-critical world of electronic payment transaction processing.

PowerCARD-Switch supports all payment networks services and seamlessly enables multi-channel authorization and transactions switching.

PowerCARD-Switch offers value added services involving multiple actors in the same transaction such as DCC, mobile Top-Up and bill payment.

PowerCARD-Switch manages interfaces with the major international payment schemes to ensure ongoing compliance with Visa, MasterCard, American Express, Diners Club, Japan Credit Bureau (JCB) and China Union Pay (CUP), thus providing global connectivity and worldwide acceptance.

PowerCARD-Switch also manages interfaces with additional networks, including domestic payment schemes.

PowerCARD-Switch can detect in real-time or near real-time any suspicious authorizations and make the right decisions in real-time being able to decline authorizations, alert the cardholders or open a case for further investigation.

PowerCARD-Switch is interoperable with PowerCARD-Issuer and PowerCARD-Acquirer to provide issuers and acquirers with a single, reliable platform through which transactions are processed.

Authorization Routing Stand-In

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PowerCARD-xPOSA sophisticated solution that configures and parametrises devices, switches authorizations and manages transactions for any kind of Point Of Sales devices (POS, mPOS, ePOS,…).

• Device Management System: parameters management and inventory management

• Authorization Switching & Transaction Data Capture• Device Driving• Value-Added Services (DCC, Bill Payment, Mobile Top-up,

Instalments, Cash-Back, …)

PowerCARD-xPOS allows multinational retailers, retailbanks and payment service providers to be able to rapidly roll out new services and simplify worldwidedevice deployment while controlling maintenance andadministration costs.

PowerCARD-xPOS supports any kind of Point Of Sales devices: standalone POS, ePOS (integrated cash register), Mobile POS,…PowerCARD Connect’ Transacting APIs exposes APIs for 3rd party to feed authorizations and transactions to PowerCARD-xPOS.

PowerCARD-xPOS has a native built-in interface with PowerCARD-Switch to optimize operations but can also integrate seamlessly with other external solutions.

PowerCARD-xPOS configures devices through a complete set of parameters, it also manages device lifecycle and provides device inventory.

PowerCARD-xPOS drives devices, switches authorizations and captures transaction data. The solution enables value-added services such as DCC (Dynamic Currency Conversion), bill payment, mobile top-up, instalments, cash-back,…

PowerCARD-xPOS is a multi-protocol solution and device agnostic. Devices managed by PowerCARD-xPOS can accept all types of cards (magnetic, EMV and chip cards, contactless etc.) being prepaid, debit, credit, loyalty or private label cards.

Solution OverviewDevice Management• Inventory Management• Device Parameters Management

Payment Management• Authorization Management• Data Capture

Interfaces Management• PowerCARD Connect’ Transacting APIs

Protocol Management• Other Protocol• PowerCARD Protocol PPWM

Value Added Services Management• Online Loyalty Transaction Interface• Online Bill Payment Interface• Online Mobile Top Up Trx. Interface• Online DCC Transaction Interface

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PowerCARD-ATMA comprehensive self-service solution that supports financial institutions and retailers in maximizing their ATMs.

• Mutli-vendor Solution• ATM Management • ATM Monitoring• ATM Switching & Device Driving• ATM Value-added Services (Bill Payment, Cash Deposit, Cardless

Withdrawal)

PowerCARD-ATM provides a comprehensive, self-service solution that supports financial institutions and retailers to manage, secure and get more from their ATMs.

PowerCARD-ATM provides sophisticated tools to continuously monitor ATM networks and executes notifications to the appropriate supervisors when the ATM is malfunctioning and/or cash runs out by sending alerts through Email and SMS and ensuring 24/7 ATM availability.

PowerCARD-ATM helps to reduce the operational costs by offering a full range of reconciliation tools from ATM to back-office accounting

From personalized ATM screens to custom promotions, PowerCARD-ATM helps financial institutions improve relationships and leads to greater revenue by offering customers extended services at the ATM and turning the ATM into a 24/7 mini-branch.

Providing optimized convenience, efficiency and security, PowerCARD-ATM offers a wide range of services such as cash withdrawal, balance inquiry, short statement inquiry, checkbook request, personalized messages to customers, cash deposit, check and document deposit, PIN change, top-up and bill payment.

Solution OverviewATM Management• ATM Parameters Management• ATM Monitoring

Equipment Management• Wincor• Diebold• NCR• Other

ATM Services Management• Multi Currency Management• Withdrawal• Mini Statement• Deposits• Transfer


Value Added Services Management• Online Bill Payment Interface• Online Mobile Top Up Trx. Interface• Online DCC Transaction Interface

Device Driving ATM Monitoring ATM Services

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Member Management

Clearing & Management

ACH Scheme Setup

PowerCARD-ACH is a modular software solution that automates the processing and settlement of electronic payment transactions.

PowerCARD-ACH allows the setup and management of a scheme by managing the whole transaction cycle covering authorization, presentment, disputes and the related clearing & settlement between members. It operates both in Dual and Single Message mode.

PowerCARD-ACH automates many of the crucial functions associated with payment in an interoperable eco-system. The solution provides automatic reconciliation functions and configurable clearing account definition, fee processing, funds movement and posting file setting.

Solution OverviewACH Management• Member Management• Clearing & Management• ACH Scheme Setup Protocol Management• LIS• SID


PowerCARD-ACH Setup and management of a scheme by managing authorization, clearing & settlement between members and by providing SID protocol (for authorizations) and LIS protocol (for Clearing).

• Member Management• Member Account• Member Settlement• Fees & Commissions• Local Interchange System (LIS)• Switch Interface Description (SID)

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PowerCARD-FraudA stand-alone fraud solution monitoring in real-time or near real-time authorizations coming from any systems.

• Real-time and near real-time fraud detection • Rule based engine• SMS and Email alerts• Case management & Reporting

PowerCARD-Fraud provides a full monitoring of the issuing and acquiring activities of the Bank in real-time, or near real-time.

Thanks to its rule based capabilities, PowerCARD-Fraud automatically generates alerts and/or actions and creates a case to be followed up by a Bank Fraud Analyst when an authorization is matching with all the criteria of a given rule. To a certain extent, it can even reject an authorization.

A complete workflow management allows fraud team (manager and analyst) to manage all opened cases and have easy access to key information regarding the case in few screens to make the right decision. Users have access to a monitoring screen providing a single-view of all open cases ranked by level of priority.

Additionally, rules can be simulated prior to be moved to production to helps Banks avoiding extensive number of cases to be reviewed by the fraud team and really focus on real fraud cases.

Solution OverviewFraud Detection Management• Rule Configuration Module• Rule Simulation Module• Rule Processing Module

Authorization Management• PowerCARD-Switch Interfaces• 3rd Party Online Interfaces

Alert Management• SMS Interface• Email Interface

Fraud Case Management• Case Module

Authorization Monitoring

Fraud Prevention

Real-Time Alerts

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PowerCARD-eSecureA step added to online payments to tie a financial authorization with an online authentication (ACS - 3DSecure).

• Secure Electronic Authentication for eCommerce Transactions• Multi institutions and Multi products• Configurable authentication page• Multiple Authentication Methods: Token, Mobile & Password,

Digital Certificate

PowerCARD-eSecure helps increase confidence in online payments. The solutions key benefits include:• Decreased fraud for cardholders via a password

verification system (or other form of authentication) that stops online purchases using only card details and preventing passwords being captured by merchants (authentication is between the issuer and the cardholder).

• Fewer chargeback transactions for merchants as cardholders are authenticated while purchasing online.

• Increased security to the issuing bank by limiting automatic liability shift.

PowerCARD-eSecure provides 3DSecure services to multiple institutions and manages multiple products per institution. PowerCARD-eSecure key product capabilities are:• Authentication and enrollment methods are defined at

the product level.• Highly configurable authentication pages and supports

multiple templates per product, automatic template adjustments based on browser, font/wording and automatic adjustments per product.

PowerCARD-eSecure is PA-DSS, Verified by Visa and MasterCard SecureCode certified.

Solution OverviewEnrollment Management• Enrollment Web Services Interface• Enrollment Batch File Interface• Homebanking Web Page• Activation During Shopping Webpage

Payment Scheme Management• American Express Interface• Visa Interface• MasterCard Interface

Authentication Management• SMS Gateway Interface• Mobile Auth. Request Web Page

3DSecure AuthenticationOne-Time-Password

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PowerCARD-eCommerceMulti-merchant and multi-acquirer solution for eCommerce and MOTO payment management.

• Multiple Merchant Integration methods: Direct, Redirect, Batch & Web Services

• Flexible payment options: full, partial, reversal, instalment,…• Tokenisation• Personalized Checkout Page• Merchant & Operator Web Portal Management Solution Overview

Merchant Interfaces Management• Direct Method Interface• Redirect Method Interface• Server to Server Interface• Batch Interface• Web Services Interface

Transaction Management• PowerCARD-Acquirer• Interface• 3rd Party Acquirer Interface

3D Secure Management• MPI Module• Visa Interface• MasterCard Interface

Merchant Portal Management• Merchant Self Service Portal

Merchant Data Management• PowerCARD-Acquirer Interface• Web Services Interface

PowerCARD-eCommerce is a multi-merchant and multi-acquirer solution for eCommerce and MOTO payment management.

PowerCARD-eCommerce allows easy integration with merchants by offering multiple methods of data submission.

PowerCARD-eCommerce provides flexible payment options. Consumers can pay using any of the most common online payment methods and new payment methods can be added easily. Consumers can select their currency and choose their most convenient payment option.To facilitate operations, PowerCARD-eCommerce can be synchronized with external systems for merchant data, BIN ranges, exchange rates through web services or batch and by being natively interfaced with other PowerCARD solutions.

PowerCARD-eCommerce provides a sophisticated self-service portal allowing merchants to personalize each and every checkout page. Through the merchant web portal, merchants can follow-up and manage their transactions in real-time, generate reports, enter transactions manually through the Virtual Terminal (MOTO), reverse/refund transactions and exchange secure online messages with payment gateway operators.Operators have access to the same level of functionalities as merchants through the self-service portal but they can also manage user access rights and profiles and create and manage a wide range of parameters (currency, default messages, fraud filter etc.)PowerCARD-eCommerce supports 3DSecure transactions with the MPI module and has native built-in interfaces with other PowerCARD solutions to optimize operations.

Payment Gateway

eCommerce Online Payment

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PowerCARD-DashboardSet of graphs, tables, data grouped into Dashboard providing a clear visibility to business users on their Key Performance Indicators.

• Predefined and personalizable Dashboards• Analyze and Drill Down Into The Data• Natively Integrated with PowerCARD-Issuer and PowerCARD-

Acquirer• Supports data enrichment by 3rd party system

PowerCARD-Dashboard has been designed with the purpose of turning detailed payment data into valuable information allowing the business to make the right decisions in a timely manner.

PowerCARD-Dashboard is HPS’ data analytics tool, it provides dashboards in an easy-to-use format that allows users to mine, model and analyse any sub-set of payment and transactional data.

PowerCARD-Dashboard solution works through an optimized Business Intelligence Layer which extracts incremental data to be used by PowerCARD-Dashboard. PowerCARD-Issuer and PowerCARD-Acquirer are natively feeding PowerCARD-Dashboard but data coming from external systems can be imported to enrich existing data.

Issuers, Acquirers and Merchants can access to their own dashboards. Each dashboard providing a series of graphs, tables, data, … helping them to better understand their business.

Solution OverviewMerchant / Merchant Manager Dashboard• Performance• Activity• Traffic• Customers

Acquiring Dashboard• KPIs• Activity• Fees• Customers

Issuing Dashboard• Performance• Cards• Transactions • Fees

BI Big Data Data Analytics

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PowerCARD-WebPublisher Web portal solution with powerful admin functions to manage and personalize multiple web portals.

• Website Content Configuration, Personalization & Segmentation• Website Publishing• Multiple 3rd Party Systems Real-time Data Aggregation through

a complete set of Web Services• Native interfaces with other PowerCARD solutions

Solution OverviewCardholder Portal• Online Enrollment• Card Activity• Card Management• Document & Request

Agent & Branch Portal• Card Selling• Card Activity• Prepaid Card

Corporate Portal• Online Enrollment• Card Activity• Card Management• Document & Request• Portfolio Management

Loyalty Operator Portal• Merchant Promotions• Issuer Campaigns

Merchant Portal• First Contact• Merchant Data & Activity• Dashboard• Multi-hierarchy Level• Merchant promotions• Document and Request

PowerCARD-WebPublisher is a web portal solution for issuers and acquirers addressing the specific needs of their different customers. It is a unique solution that simplifies the construction, the exploitation and the maintenance of web portals dedicated to consumers, corporates and merchants.

PowerCARD-WebPublisher allows data consolidation from different sources, configuration and publishing of personalized web portals for consumers, corporates and merchants. Data coming from different host systems are aggregated, without any storage, to give web users a unique and consolidated view of their information.

Through its Admin. Center, PowerCARD-WebPublisher allows configuring and personalizing web portals thanks to simple drag & drop functionality. Any screens, any font size or colour, any text, any background colour, any table column, any translation can be easily adjusted through the Admin. Center.Changes are applied in real-time and immediately available at the next connection to the portal.

PowerCARD-WebPublisher is natively interfaced with any other PowerCARD solutions but also offers a complete set of web services built to the IFX standards for interfacing with any external systems.

Services to consumers include Card Management (e-statement, PIN change, card replacement, stop/ block card) and Account Management (history and list of transactions).

Services to corporates include Card and Account Management (list of cards by department, order new cards, usage restriction) and User Management (hierarchy and delegate user management).

Services to merchants include Remittances and Transactions details, Claims Management and follow up, Activity Reporting and Merchant Details (contract, services, outlet and Equipment’s view).

Web PortalsPersonalised

ServicesEasy

Configuration

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PowerCARD-Tokenisation provides tokenisation and de-tokenisation services either through dedicated authorization/clearing/chargeback interfaces or through web-services and batch interfaces.

Each generated token is linked to a token product that includes the token profile (token domain) and the token limits so that the token requestor can limit or restrict the usage of that token. Those profiles and limits will be controlled when PowerCARD-Tokenisation will be performing the de-tokenisation.

A token vault is embedded into PowerCARD-Tokenisation to securely store tokens.

PowerCARD-Tokenisation provides a sophisticated hierarchy management covering any combinations between customer, card, token, device with independent lifecycle status at each level of the hierarchy.

PowerCARD-Tokenisation sits in between the Card Management System for enrolment and lifecycle management, the Mobile Provisioning Server and the Authorization Systems / Payment Schemes for managing authorization, clearing and chargeback flow.

PowerCARD-Tokenisation provides multiple deployment scenarios depending on the needs of customers: supporting local payment scheme, supporting international payment scheme, managing on-us transactions, minimizing impacts on existing systems,…

Solution OverviewDigitalized Account Management• Digitalized Account Management Module• Profile Management Module• Tokenisation Management Module

Token Storage Management• Token Vault Module

Transaction Management• De-tokenisation Management Module• Risk Management Module• Routing Management Module

Interfaces Management• Mobile Provisioning Interfaces• Autorization Interfaces• Clearing Interfaces• Chargeback Interfaces• Tokenisation / De-tokenisation Interfaces

TSP HCE xPay

PowerCARD-TokenisationComplete solution to support the issuance, provisioning, storage and management of tokens on behalf of a token requestor.

• Complete Tokenisation / De-tokenisation Services Including Risk Controls and Routing Management

• Token Vault • Complete Token Lifecycle Management and Customer Care

Services• Multiple Deployment Scenarios• Interfaces with Card Management, Mobile Provisioning,

Authorization Systems and Payment Schemes

900, rue AmpèrePôle d’activité d’Aix en Provence13851 Aix en Provence Cedex 03 - FranceTel: + 33 4 42 91 42 99

Africa

Casablanca Nearshore Park, Shore 1,1100, boulevard Al Qods - Sidi Maârouf20270 Casablanca - MarocTel : + 212 529 045 000

Middle East & Asia

209 / 210 Building 12, 2nd FloorP.O. Box 500308Dubai Internet City DubaiTel: + 971 4390 0750


Europe & Americas

65-67 rue du Faubourg St Honoré3rd Floor 75008Paris - FranceTel: + 33 1 58 18 01 34

hps worldwide

Technology