payments market place 2017/2018payments market place 2017/2018 7 banking services card manufacturing...
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PAYMENTS MARKET PLACE 2017/2018 1
PAYMENTS MARKET PLACE 2017/2018 2
Test Solutions for the payments worldYour success is our concern. You have ambitious goals and we are dedicated to helping you get there. We engage with you, help you gain insight and advise you.
> Certify your EMV Payment Terminals
> Minimize downtime of your ATMs and release changes easier
> Validate your payment host and switch implementations
> Launch your real-time payments project with confidence
We’d love to talk, contact us at [email protected]
www.opentestsolutions.com
See us at Money2020 • Copenhagen • 26-28 June • Booth A7
Your Quality Confirmed.
PAYMENTS MARKET PLACE 2017/2018 3
Publisher Alexander Rolfe
Head of Business Development Wendy Sanders
Subscriptions Manager Gemma Rolfe
Address and Contacts Payments Cards and Mobile
The Stable, Hall Yard Kelling, Holt NR25 7EW United Kingdom
Advertising Tel: +44 1263 722 300 Fax: +44 1263 456 100 [email protected]
Subscriptions and General Tel: +44 1263 711 800 Fax: +44 1263 456 100 [email protected]
Cover and Origination Adam Unsworth
Printing Micropress Printers
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 2017
Further Industry Listings on Page 23
A
AccourtPage 10,16
B
Banking CirclePage 7BixolonPage 9,16
C
Card & Payment Awards 2018Page 14Compass PlusPage 7,17,20ComprionPage 22 CreditcallPage 7,12,16
E
EquensWorldline Page 17
F
FIME Page 10,22FIS Page 2,22 Further Industry ListingsPage 23
I
ICC Solutions Page 22Inform Page 15
L
Leonhard Kurz Page 7
M
Mag-Tek Europe Page 8 Merchant Payments EcosystemPage 14Money 2020 Page 15Money 2020 EuropePage 14
N
NCRPage 8,15
O
OpenWay GroupPage 6,12,13,18,21 Optal Page 7
P
Payment Cards Yearbooks Page 7PPRO Page 11
R
Retail Business Technology ExpoPage 14RS2 Smart Processing Page 19 RS2 Software Page 20
S
S.P.S. ( Smart Packaging Solutions) Page 12Spectra TechnologiesPage 21Star Micronics Page 20,24
T
The Strawhecker Group (TSG)Page 10 Tag SystemsPage 7,12,16,18 Tas GroupPage 7,17 Tieto Page 13,17 Trustech Page 14TSYS Page 8,9,19
V
VeriFone Page 10,17
W
Worldline18
Contents
Test Solutions for the payments worldYour success is our concern. You have ambitious goals and we are dedicated to helping you get there. We engage with you, help you gain insight and advise you.
> Certify your EMV Payment Terminals
> Minimize downtime of your ATMs and release changes easier
> Validate your payment host and switch implementations
> Launch your real-time payments project with confidence
We’d love to talk, contact us at [email protected]
www.opentestsolutions.com
See us at Money2020 • Copenhagen • 26-28 June • Booth A7
Your Quality Confirmed.
PAYMENTS MARKET PLACE 2017/2018 4
Categories 2017/2018ACCOUNT & CARD ISSUING
OpenWay Group
ACQUIRING- POS, E-COMMERCE & MOBILE
OpenWay Group
B2B VIRTUAL CARD PAYMENTS
Optal
BANKING SERVICES
Saxo payments
BUSINESS REPORTS
Payment Cards Yearbooks
CARD MANUFACTURING SUPPLIERS
Leonhard Kurz
CARD PAYMENT SOLUTIONS
Compass PlusCreditcallNCRTag Systems tas groupTSYS
CARD PERSONALISATION SYSTEMS
Mag-Tek
CARD PRINTER MANUFACTURERS
Bixolon
CARD PROCESSORS
RS2 TSYS
CONSULTANTS
AccourtThe Strawhecker Group ( TSG)VeriFone
CONSULTANCY
FIMEPCM Consulting
CONTACTLESS TECHNOLOGY
SPS
DIGITAL LIFESTYLE BANKING
OpenWay Group
DIGITAL WALLET PLATFORM
OpenWay Group
ECOMMERCE PAYMENT SOFTWARE
OpenWay Group
EMV SOLUTIONS
CreditcallTag Systems
EVENTS
The Card & Payment Awards 2018Merchant Payments EcosystemMoney 20/20 Money 20/20 EuropeRetail Business Technology ExpoTrustech
FRAUD MANAGEMENT
NCRInform
MOBILE PAYMENTS
CreditcallTag Systems
MOBILE PAYMENTS CONSULTING
Accourt
PAYMENT CARDS CONSULTING
Accourt
PAYMENT PROVIDER
EquensWorldline
PAYMENT SOFTWARE
tas group
PAYMENT SOFTWARE SOLUTIONS
Compass PlusOpenWay Group
PAYMENT SOLUTIONS
PPROVeriFoneWorldline
PSD2 HUB PLATFORM
OpenWay Group
RECEIPT PRINTER MANUFACTURERS
Star Micronics
SMART CARD MANUFACTURERS
Tag Systems
SOFTWARE AS A SERVICE ( SAAS)
RS2 Smart Processing
SOFTWARE SOLUTIONS
Compass PlusTSYS
SWITCH & E-COMMERCE GATEWAY
OpenWay Group
TERMINAL MANUFACTURERS
Spectra Technologies
TEST TOOLS
ComprionFISFIMEICC Solutions
PAYMENTS MARKET PLACE 2017/2018 5
Acquiring and payments is changing. The people who are shaping the business are changing. Even the way we make payments is changing. As we move into an app-centric world and the Internet of (Payment) Things, everything will be able to make and take payments.
“We thought we understood what we had to do, how the technology worked,” said David Birch, innovation director, Consult Hyperion in a conference address. “We are moving into a time where everything will be utterly different. It’s not going to be business as usual,” Birch predicted.
The future is uncertain. Yet there has never been a more exciting time to be involved in payments. According to Ron Kalifa, vice chairman, Worldpay, payments is becoming much more strategic.
No longer a back-room IT activity, “payments have gone from boring to boardroom.” Payments are a strategic tool inextricably linked with a company’s brand and reputation. At the same time, they remain strongly national. Payment habits have developed over time and are formed by various cultural, political, economic and technological factors. Therein lies the complexity for merchants wanting to expand globally.
International expansion means accepting local payment methods, particularly when trading online. If an online consumer’s preferred payment method is not available, they abandon the transaction 25 percent of the time in the US.
In Europe, cart abandonment is higher
at 45 percent and in Asia it stands at 60 percent, according to e-payment specialist PPRO. This is driving both take-up of local alternative payment methods (APMs) and back-office complexity for merchants. Hence there is immense business value in simplifying payment for merchants.
The same is true for simplifying regulation. The payments industry is currently beset by overlapping regulation. This ranges from the PSD2 and the fourth anti-money laundering directives in Europe, country-specific regulations in Asia and the possible repeal of Dodd-Frank in the US.
One industry observer described regulators as “creating a catalyst of confusion”, which is undeniably so, but regulation can be seen as an opportunity as much as an obligation.
For those with a banking background, regulation is seen primarily as a compliance burden. However it is no longer enough to just be compliant. All organisations have to do that, so there is no point of difference. Organisations have to seize the opportunity to innovate new products and services. This could be seen as the second or third effect of regulation.
Innovation has many fathers. Regulation is merely one of them. Internal market competition another. Payment processing
has become a commodity and providers need to add value. According to Michael Steinbach, CEO, equensWorldline SE, providers must think about developing new business models. They must offer merchants new value-added services and bundle card with card-less.
Kalifa feels that providers require more components and capabilities to even compete, including licences, technology, scale and reach. Organisations have to be payments providers, not merely card payment providers.
Invisible, frictionless check-out and payment are often mentioned, if not new, ideals. However, frictionless does not always equal fraudless. Consumers may on occasion value some friction, if it helps them to feel more confident and secure when transacting.
Meanwhile enabling a frictionless omni-channel journey remains an aspiration rather than a reality. It can be achieved in specific niches or countries, but globally it is very different. Integration is difficult, particularly with legacy systems in the physical world. In the online world, it is more a question of overcoming a legacy mindset, which tries to retro-fit a face-to-face experience to a digital channel.
How will we pay
in 2018?
PAYMENTS MARKET PLACE 2017/2018 6
ACQUIRING- POS, E-COMMERCE & MOBILE
ACCOUNT & CARD ISSUING
OpenWay (www.openwaygroup.com) holds #1 global ranking in Card Issuing and Merchant Management by Gartner and Ovum, 2009-2016, and top global ranking in White-Label Digital Wallets by Ovum, 2016-2017. We develop WAY4, the digital payment software platform for banks, payment processors, e-commerce gateways, local and national switches, MFIs, telcos, oil companies, retailers, and governmental agencies.
What kind of issuer are you? Expand or diversify your business with WAY4 Account and Card Issuing!• Online account & card management• Revolving and charge credit cards and accounts with limits and fees that depend on customer transaction activity• Prepaid and gift payment instruments, with cards and accounts shareable among family or friends• Virtual accounts, cards and e-money for mobile and e-commerce • Contactless cards and tokenisation• Monetisation of cardholder loyalty – personalised targeted cross-sales and up-sales • Instalments, microloans, sales finance partnership with merchants • API & PDS2 banking• Microfinance and micropayments, payday loans• Card-, account- and wallet-based remittances• Multi-currency cards and accounts• Online, automated and scheduled payments and transfers from cards and accounts• Corporate and fleet card issuing• Value-added services based on currency conversion, personal finance assistant, data insight
Who is using WAY4?Tier-1 giants, mid-size companies and ambitious start-ups, some of them managing over 200,000,000 accounts online.
WAY4 Acquiring – highlights• Any type of cards and accounts• Flexible online back-office and authentication for complete transaction lifecycle • Certified by Amex, Diners Club, JCB, MasterCard, Visa, UnionPay and PCI SSC (PA-DSS compliance)
Learn more www.openwaygroup.com
OpenWay (www.openwaygroup.com) holds #1 global
ranking in Card Issuing and Merchant Management by
Gartner and Ovum, 2009-2016, and top global ranking
in White-Label Digital Wallets by Ovum, 2016-2017. We
develop WAY4, the digital payment software platform
for banks, payment processors, e-commerce gateways,
local and national switches, MFIs, telcos, oil companies,
retailers, and governmental agencies.
What kind of acquirer are you? Expand or diversify your business with WAY4 Acquiring!• POS, e-commerce and mobile acquiring with value-
added services - merchant loans, split shipment,
tokenisation, multi-currency pricing, dynamic
currency conversion, closed-loop prepaid and more
• Wallet & e-money acquiring
• Merchant and co-branded loyalty programs
• Micropayments with transaction aggregation for lower
interchange fees
• Support of PSPs, merchant payment aggregators,
payment facilitators, marketplaces
• Fleet and transit acquiring
• Agent banking and agent top-up schemes for telcos
• PSD2 models
Who is using WAY4?Tier-1 global leaders, mid-size companies and ambitious
start-ups, some of them processing over 600,000
merchants, 188 countries, and 15,000,000 transactions
per day.
WAY4 Acquiring – highlights• Flexible online back-office for complete transaction
lifecycle
• Omni-channel
• Acceptance of any financial instruments: B2C and B2B
cards, accounts, wallets, e-money, tokens
• Cross-border, multi-currency, multi-bank schemes
• Certified by MasterCard, Visa, UnionPay, Amex, Diners
Club, JCB and PCI DSS (PA-DSS compliance)
Learn more www.openwaygroup.com
PAYMENTS MARKET PLACE 2017/2018 7
BANKING SERVICES
CARD MANUFACTURING SUPPLIERSCARD PAYMENT SOLUTIONS
BUSINESS REPORTS
The Saxo Payments Banking Circle is the innovative financial utility
underpinning the service proposition of FinTechs, Payment Providers, FX
businesses and Banks. Powered by the Banking Circle, the web interface
delivered in the FinTech’s name enables merchants to pay suppliers directly
without any loss of time or cash, truly empowering global trade.
www.bankingcircle.com
PAYMENT CARDS YEARBOOKA highly detailed view of analysis and trends in the payments market in each of the 43 countries profiled- including Payments Card, Internet Payments,Mobile Payments, Contactless and notable changes in Bank, Central Bank and Regulatory Frameworks.
paymentcardyearbooks.com
LEONHARD KURZ Stiftung & Co. KGSchwabacher Strasse 48290763 Fuerth/GermanyTel: +49 911 71 41-0Fax: +49 911 71 41-357E-mail: [email protected]: http://www.kurz.deKURZ 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 and application machines.
www.compassplus.com
See main entry under
Software Solutions
We provide the tools to enable
secure payment acceptance
from any device, anywhere.
From retail and hospitality, to
parking, transportation or charity
applications, our omni-channel
Payment Gateway and EMV
Kernels are at the very heart
of our partners’ businesses,
unifying payment transactions
made in-store, self-service,
online or mobile. Payment device
manufacturers worldwide rely
on our contact and contactless
EMV Level 1 Libraries and Level
2 Kernels, reducing their project
complexity, risk and time. We are
an EMVCo Business and Technical
Associate, a PCI SSC Participating
Organization, a Mastercard
accredited MEPSA company and
member of the U.S Payments
Forum, formerly known as EMV
Migration Forum. Our offices are
located in Bristol and New York.
To find out more, visit
www.creditcall.com or engage
with us on Twitter @Creditcall.
Tag Systemswww.tagsystems.net
See main entry under Smartcard Manufacturers
The Fintech Startup with 30 Years of History
Shape your payments experience Go cashless 3.0®
www.tasgroup.eu/solutions/cashless-world
B2B VIRTUAL CARD PAYMENT SUPPLIERS
Optimise your B2B transactions.Many see transaction costs as just
another cost of doing business.
Not us. We constantly challenge
this convention to help our clients
save, and even make money from
payments. We do it by streamlining
payment processes to reveal and
eliminate inefficiencies. Optal frees
global companies and marketplaces
to transfer funds quickly and securely.
www.optal.com
PAYMENTS MARKET PLACE 2017/2018 8
NCR – industry leading transaction processing and fraud prevention
NCR is a global supplier of fraud prevention and payments processing software. NCR’s solutions allow issuers, acquirers, processors and retailers to manage all aspects of financial transactions and non-financial events (ATM, POS, ecommerce and mobile payments) via real-time, near real-time, or batch processing. The NCR solution suite delivers complex omni-channel payments integration, device security, authentication, and fraud prevention/detection using industry leading analytics combined with user defined rules. NCR’s products and solutions are designed to be rapidly deployed, allowing users to take strategic control of their system investment and stay one step ahead of the market and their competitors.
NCR’s Enterprise Fraud detection and prevention solution enables users to:• Identify and prevent fraud across any payment channel
• Stay ahead of the fraudsters with a robust set of machine- learning analytic algorithms that adapt as fraud behavior changes within the institution
• Easily and quickly implement new rules to improve account holder protection when compromising events occur
• Deliver industry-leading detection rates with low false positives when an analytic and rules based detection are deployed in tandem
• Integrate data from many different sources to provide detailed, comprehensive, in-flight data enrichment to support enhanced behavioral patterningNCR is the global leader in consumer transaction technologies, turning everyday interactions with businesses into exceptional experiences.
www.ncr.com
About TSYS® TSYS® (NYSE: TSS) is a leading global payments provider, offering seamless, secure and innovative solutions across the payments spectrum — from issuer processing and merchant acquiring to prepaid program management . We succeed because we put people, and their needs, at the heart of every decision. It’s an approach we call ‘People-Centered Payments®’.
Our corporate headquarters are located in Columbus, Ga., U.S.A., and our international headquarters are located in London, with approximately 11,500 team members and local offices spread across 13 countries. TSYS generated revenue of $4.2 billion in 2016, while processing more than 25.5 billion transactions.
As one of the world’s largest companies for processing and licensing payment solutions, TSYS offers a broad range of issuer-and acquirer- processing technologies that support consumer finance, credit, debit, Islamic, commercial, contactless, loyalty, mobile, instalments, prepaid and related services for global financial institutions and retail companies. 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 provides services to more than half of the top 20 international banks, is a member of the S&P 500, a Fortune 1000 company, and was named one of the 2017 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 / www.tsysprime.com
Mag-Tek EuropeUnits 25/26, Shrivenham Hundred Business Park, Watchfield, SwindonSN6 8TZ, United KingdomE-mail: [email protected]: www.magtekeurope.comTel: +44 1793 786070Fax: +44 1793 786076
MagTek is the world’s leading, provider of instant card issuing solutions for both in-branch and unattended kiosk environments.
CARD PERSONALISATION SYSTEMS
PAYMENTS MARKET PLACE 2017/2018 9
About TSYS® TSYS® (NYSE: TSS) is a leading global payments provider, offering seamless, secure and innovative solutions across the payments spectrum — from issuer processing and merchant acquiring to prepaid program management . We succeed because we put people, and their needs, at the heart of every decision. It’s an approach we call ‘People-Centered Payments®’.
Our corporate headquarters are located in Columbus, Ga., U.S.A., and our international headquarters are located in London, with approximately 11,500 team members and local offices spread across 13 countries. TSYS generated revenue of $4.2 billion in 2016, while processing more than 25.5 billion transactions.
As one of the world’s largest companies for processing and licensing payment solutions, TSYS offers a broad range of issuer-and acquirer- processing technologies that support consumer finance, credit, debit, Islamic, commercial, contactless, loyalty, mobile, instalments, prepaid and related services for global financial institutions and retail companies. 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 provides services to more than half of the top 20 international banks, is a member of the S&P 500, a Fortune 1000 company, and was named one of the 2017 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 / www.tsysprime.com
CARD PROCESSORS
CARD PRINT MANUFACTURERS
BIXOLON is a leading global manufacturer of dependable innovative and advanced printing technologies that include POS, Auto ID and Mobile receipt & label printers for a range of environments including retail, hospitality, healthcare, banking, logistics and warehousing. Offering extensive customisation capabilities, BIXOLON views its printing technology as an essential tool for any business and holds itself to the highest standards, since dedication to customers is its core belief.
For more information, please visit www.BixolonEU.com
PCM DAILY NEWS FEED
Insight is everythingIn-depth analysis, industry snapshots, news in brief and authoritative features. Payments Cards & Mobile's authoritative editorial coverage separates the hype from the happening within the payment cards and mobile payment industry.
Subscribe now
PaymentsCARDS & MOBILE
PAYMENTS INDUSTRY INTELLIGENCE
paymentscm.com
PAYMENTS MARKET PLACE 2017/2018 10
CONSULTANTS
CONSULTANCY
Accourt is a leading provider of strategic and operational consultancy services to the payments industry worldwide.
Our clients include banks, the card schemes and financial services institutions, payments and technology providers, telecom operators, corporates, merchants, and government organisations.
We aim to make a powerful, positive difference to our clients’ futures.
www.accourt.com
The Strawhecker Group (TSG) is a fast-growing analytics and consulting firm focused on the electronic payments industry. TSG’s unique offering to the payments ecosystem is built on decades of focused expertise and powerful data and the combined intangible value these provide. TSG informs and guides the globe’s leading payment players, from fintech startups to Fortune 500 companies. Based in Omaha, a recognized payments industry hub, TSG is an established leader in this high growth, ever-evolving space. TSG Service Groups:› Management Consulting - Management consulting encompasses the full spectrum of advisory services within the Payments Industry. The depth of these services is built on analytics and deep industry knowledge.› Analytics & Research - TSG is home to unparalleled metrics exclusive to its growing data warehouse of card data on over 3.5 million card accepting merchants.› Buy/Sell Consulting - TSG has performed more valuations of payments companies than any other firm, having completed more than 200 valuations in the last decade.› eReports - TSG’s analytics and consulting combine to provide whitepapers on industry players, new entrants, and essential knowledge to improve decision-making.
www.TheStrawGroup.com | [email protected] | +1(402)-964-2617
Please see our main entry in Payment Solutions
www.verifone.com
FIME offers comprehensive consulting services, technical training, technology design,
test tools and certification testing across the financial services, telecom, transport
and identity sectors. Its experts support projects from start to finish, resolving the
technical challenges its customers face when implementing a complete portfolio of
specifications, standards and multi-brand industry requirements.
For more information visit www.fime.com
PCM CONSULTINGPayments Cards & Mobile Consulting brings 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.
paymentscardsandmobile.com
PAYMENTS MARKET PLACE 2017/2018 11
Match your merchants with the proper cross-border payment preferences
WHYUNDERSTANDING
CULTURAL HABITS
PAYS
Con� dence in alternative payment methods for cross-border purchases have never been higher. Online merchants are rushing to take advantage
of this trade. However, expanding into new markets only makes sense if you’re set up to take payments from each local customer. Self-evident, right? Well, payment habits can vary enormously all over the world – more and more so with each day.
Don’t assume that commonly available payment methods are enough
Local payment cultures are shaped by regulatory regimes, � nancial culture and historical factors as well as economic growth. Preferred payment methods � uctuate depending on the relevant country and general market
environment at the time of the transaction. Merchants need to meet payment expectations, or lose to a competitor that o� ers the preferred payment method at checkout.
Adding new payment methods allows new customers to make payments
With a single contract, single API and single monthly payment, you as a payment service provider (PSP) or acquirer can gain centralised access to more than 140 local APMs from all over the world.
We at PPRO help you to integrate our API and provide merchants with the payment methods they need to accept more payments and meet their business goals.
An alternative payment method is any payment method
that o� ers an alternative to paying with cash or an
internationally accepted credit or debit card.
Contact us today to � nd out how we can help your customers: [email protected]
PAYMENTS MARKET PLACE 2017/2018 12
CONTACTLESS TECHNOLOGY
EMV SOLUTIONS
DIGITAL WALLET PLATFORM
(SPS) Smart Packaging Solutions85 Avenue de la Plaine, Zl de Rousset-Peynier, 13790 RoussetFranceTel : +33 4 42 53 84 40Fax : +33 4 42 53 84 [email protected]
SPS is a global leader in reliable technologies involving Dual 6 (6pin) and Dual 8 (8pin) modules for Dual Interface smart cards. SPS antennas and S-Lam are compatible with all main chip suppliers, foil, and all other security features for the banking market.
With offices in France and Singapore, its market offer is stimulated by its inductive coupling based eBooster technology which enables card manufacturers to use their standard equipment (with no extra investment needed in dedicated machinery) and achieves both the lowest card manufacturing cost and highest card reliability.
SPS eBooster proven technology has set itself as the new standard for Dual Interface cards.
OpenWay (www.openwaygroup.com) holds top global ranking in White-Label Digital Wallets by Ovum, 2016-2017. We develop WAY4, the digital payment software platform for banks, payment processors, e-commerce gateways, local and national switches, MFIs, telcos, oil companies, retailers, and governmental agencies.
WAY4 Wallet – your solutionfor omni-channel personalised wallet offering• Omni-channel wallet for POS, e-commerce and m-commerce payments and loyalty• Contactless e-commerce, mobile in-app and in-store payments and couponing via QR, NFC, SMS USSD and in-app payments. Local QR and NFC schemes, mVisa, Apple Pay, Samsung Pay, Android Pay• Loyalty monetisation based on customer behaviour, segmentation and tiers, personalised loyalty, cross- and up-sales based on customer purchase analysis• Merchant loyalty clubs, targeted offers via wallet based on cross-merchant data insight• P2P, P2M, P2G, B2B, and B2G transfers, bill splitting• Online and one-click payments• Mobile check-in and check-out
WAY4 Wallet – highlights• White-label digital wallet software platform: back-office, gateway, API and app management• Complete transaction lifecycle • All financial instruments: credit and prepaid cards, wallet accounts, e-money, coupons, bonus points, alternative payment methods• Online payments and transfers • Omni-channel: mobile app, chat bot, PC, iWatch, POS, e-Commerce, ATM, API• Level-3 data processing• Cross-border, multi-currency, multi-bank solution
Learn more www.openwaygroup.com
Creditcallwww.level2kernel.com
See main entry in Card Payment Solutions
Tag Systems is a European Smart-Card-Based solutions provider, offering full services with Dual Interface card manufacturing and EMV personalization. The Group provides solutions for Instant Issuance, Pin by SMS and Mobile Payment based on HCE and tokenization, with wallet development, software integration… Tag Systems sales and service bureaus are located in Andorra, Spain, Norway, Colombia, Poland and UK. www.tagsystems.net
PAYMENTS MARKET PLACE 2017/2018 13
DIGITAL LIFESTYLE BANKING
OpenWay (www.openwaygroup.com) holds #1 global ranking in CMS by Gartner and Ovum, 2009-2016, and top global ranking in White-Label Digital Wallets by Ovum, 2016-2017. We develop WAY4, the digital payment software platform for banks, payment processors, e-commerce gateways, local and national switches, MFIs, telcos, oil companies, retailers, and governmental agencies.
WAY4 Lifestyle Banking – your solutionto predict, simplify and monetise customers’ daily financial decisions• Omni-channel digital banking – mobile, PC, chat bot, agent banking, API, ATM, POS• Social network banking• User-friendly interfaces, channels and scenarios native for the new generation• End-to-end B2B and B2C digital customer journey – from online customer on-boarding, account opening and card generation through loyalty and coupons, online payments and transfers to personal finance assistance, and more• Multiple e-wallet features • Personalised offers and interactive banners – based on payment data and customer profiling• Automated configurable workflows• Online integration with any core banking, CMS and other systems
Learn more www.openwaygroup.com
PAYMENTS MARKET PLACE 2017/2018 14
EVENTS
Merchant Payments Ecosystem (MPE) is THE European event for merchant payment acceptance professionals. February 20-22, 2018 The InterContinental Berlin, Germany
11th edition of conference and exhibition covers every aspect of card acquiring, alternative payments and payment technology online, mobile and in-store. MPE connects: merchants with acquirers, PSPs, payment processors, schemes, regulators, gateways, POS HW/SW solution providers and innovative FinTechs.
1000+ attendees, including 300+ CEOs and 300+ FinTech participants from 40 countries. The high quality program and exhibition features 150+ speakers, over 70 sponsors and exhibitors.
MPE is not only the conference & exhibition; it is the biggest social community for European merchant payment acceptance industry, recently counting over 8,300 dedicated professionals. MPE is also a freely accessible source, where you can find relevant news, industry insights, webinars, listing of payment providers & methods.
www.merchantpaymentsecosystem.com
2nd - 3rd May 2018,
Olympia, London
Cards & Payments @ RBTE
www.rbtexpo.comFree to attend, RBTE is the must
visit event for retail and hospitality
organisations looking for the right
tools, solutions and advice on
how to best run their business.
Every year there is a dedicated
Payments Theatre with a range of
seminars by payment specialists
and retail professionals. There are
a range of exhibitors 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 analytic
and loyalty.
The Card & Payments Awards recognise customer service, excellence and
innovation in the UK and Irish card and payments industry and are judged by
an independent panel of industry experts. The Awards are open to credit, debit,
prepaid and charge card issuers, co-brands, merchant acquirers and other
payment service organisations in the UK and Republic of Ireland. The 2018
Awards are on Thursday 1 February 2018 at London’s Grosvenor House Hotel.
Visit www.cardandpaymentsawards.com for information.
TRUSTECH – Pay, Identify, Connect & Secure28 – 30 Nov. 2017 – Cannes – French Riviera TRUSTECH is the Largest International Event dedicated to Trust-Based Technologies with unprecedented networking opportunities and not-to-be-missed Keynote Speakers. Join the whole industry for three days of Innovation, Business and Networking! TRUSTECH will include amongst other things a selection of Startups and Fintechs who will showcase their latest innovations for the Payment and Identification industries.
TRUSTECH gathers in Cannes (French Riviera):- 13,000+ Attendees from 125 countries - 49% Top Managers - 250+ Leading International Speakers - 350+ Exhibitors & Sponsors For more information: www.trustech-event.com
The world’s largest FinTech event focused on Europe
An unmissable event for the smartest visionaries and innovators, Money20/20 is the destination where Payments, FinTech and Financial Services comes together to connect and create the future of money.
In June 2018, Money20/20 lands in its new home – the Rai in Amsterdam – to once again focus the world’s eyes on Europe.
Everyone is here, every time, coming together to explore unique regional insight and trailblazing enterprise, seizing the opportunity to meet the person or land the deals that will change the trajectory of their business.
PAYMENTS MARKET PLACE 2017/2018 15
FRAUD MANAGEMENT
NCR – industry leading transaction processing and fraud preventionNCR is a global supplier of fraud prevention and payments processing software. NCR’s solutions allow financial institutions,
processors and retailers to manage ATM, POS, ecommerce and mobile payment or banking transactions, deliver complex
multi-channel payments integration and prevent fraud. NCR’s products are designed to be rapidly customizable, allowing
users to take strategic control of their system investments and stay one step ahead of the market and their competitors.
With Authentic, NCR’s transaction processing solution, customers can:
• Support all the omni-channel demands of the business today and as they evolve
• Consolidate silos in transaction processing and reduce redundancy
• Add new and innovative payment types and channels faster than
their competitors
• Save costs and have more control by managing, configuring and updating their payment system in house
NCR is the global leader in consumer transaction technologies, turning everyday interactions with businesses into exceptional experiences.
www.ncr.com
Fraud Management
RiskShield: Fighting Multi-Channel Payment Fraud with Pinpoint Accuracy
RiskShield provides a high performance cross channel fraud prevention and risk assessment solution that helps banks, acquires, issuers and PSPs mitigating payment risk and avoid chargebacks. Prevent fraud losses and increase customer confidence with the most adaptive and fastest deployable anti-fraud software in the market today. The system uses a wide range of intelligent decision processes combined with patented fuzzy logic and dynamic profiling technologies to verify the legitimacy of the transaction in real-time.
Turning risk into reward Stop fraud and manage your risk with intelligent fraud detection and
analysis capabilities combined with extreme performance and seamless integration.
Increasing consumer convenience and loyalty by introducing a secure and risk-based solution for e-commerce payment acceptance.
Quickly respond to new fraud typologies and avoid further losses without IT involvement or coding.
Proven technology protecting the largest payment and card processors in the world, including FirstData, Equens, SIA and ING.
INFORM GmbH Web: www.riskshield.com Email: [email protected] Phone: +49 2408 9456 5000 (Germany)
Winner 2015 MPE Award Best Data Security
RiskShield: Sustainable Fraud Management Through Agile OptimizationRiskShield provides a high performance cross channel fraud prevention
and risk assessment solution that helps banks, acquirers, issuers and PSPs
mitigating payment risk and avoid chargebacks. Prevent fraud losses and
increase customer confidence with the most adaptive and fastest deployable
anti-fraud software in the market today. The RiskShield solution uses a wide
range of intelligent decision processes combined with patented fuzzy logic,
dynamic profiling and machine learning technologies to verify the legitimacy
of the transaction in real-time.
Turning risk into reward
Fraud Management
RiskShield: Fighting Multi-Channel Payment Fraud with Pinpoint Accuracy
RiskShield provides a high performance cross channel fraud prevention and risk assessment solution that helps banks, acquires, issuers and PSPs mitigating payment risk and avoid chargebacks. Prevent fraud losses and increase customer confidence with the most adaptive and fastest deployable anti-fraud software in the market today. The system uses a wide range of intelligent decision processes combined with patented fuzzy logic and dynamic profiling technologies to verify the legitimacy of the transaction in real-time.
Turning risk into reward Stop fraud and manage your risk with intelligent fraud detection and
analysis capabilities combined with extreme performance and seamless integration.
Increasing consumer convenience and loyalty by introducing a secure and risk-based solution for e-commerce payment acceptance.
Quickly respond to new fraud typologies and avoid further losses without IT involvement or coding.
Proven technology protecting the largest payment and card processors in the world, including FirstData, Equens, SIA and ING.
INFORM GmbH Web: www.riskshield.com Email: [email protected] Phone: +49 2408 9456 5000 (Germany)
Winner 2015 MPE Award Best Data Security
Stop fraud and manage your risk with intelligent fraud detection and
analysis capabilities combined with extreme performance and seamless
integration.
Fraud Management
RiskShield: Fighting Multi-Channel Payment Fraud with Pinpoint Accuracy
RiskShield provides a high performance cross channel fraud prevention and risk assessment solution that helps banks, acquires, issuers and PSPs mitigating payment risk and avoid chargebacks. Prevent fraud losses and increase customer confidence with the most adaptive and fastest deployable anti-fraud software in the market today. The system uses a wide range of intelligent decision processes combined with patented fuzzy logic and dynamic profiling technologies to verify the legitimacy of the transaction in real-time.
Turning risk into reward Stop fraud and manage your risk with intelligent fraud detection and
analysis capabilities combined with extreme performance and seamless integration.
Increasing consumer convenience and loyalty by introducing a secure and risk-based solution for e-commerce payment acceptance.
Quickly respond to new fraud typologies and avoid further losses without IT involvement or coding.
Proven technology protecting the largest payment and card processors in the world, including FirstData, Equens, SIA and ING.
INFORM GmbH Web: www.riskshield.com Email: [email protected] Phone: +49 2408 9456 5000 (Germany)
Winner 2015 MPE Award Best Data Security
Increasing consumer convenience and loyalty by introducing a secure and
risk-based solution for e-commerce payment acceptance.
Fraud Management
RiskShield: Fighting Multi-Channel Payment Fraud with Pinpoint Accuracy
RiskShield provides a high performance cross channel fraud prevention and risk assessment solution that helps banks, acquires, issuers and PSPs mitigating payment risk and avoid chargebacks. Prevent fraud losses and increase customer confidence with the most adaptive and fastest deployable anti-fraud software in the market today. The system uses a wide range of intelligent decision processes combined with patented fuzzy logic and dynamic profiling technologies to verify the legitimacy of the transaction in real-time.
Turning risk into reward Stop fraud and manage your risk with intelligent fraud detection and
analysis capabilities combined with extreme performance and seamless integration.
Increasing consumer convenience and loyalty by introducing a secure and risk-based solution for e-commerce payment acceptance.
Quickly respond to new fraud typologies and avoid further losses without IT involvement or coding.
Proven technology protecting the largest payment and card processors in the world, including FirstData, Equens, SIA and ING.
INFORM GmbH Web: www.riskshield.com Email: [email protected] Phone: +49 2408 9456 5000 (Germany)
Winner 2015 MPE Award Best Data Security
Quickly respond to new fraud typologies and avoid
further losses without IT involvement or coding.
Fraud Management
RiskShield: Fighting Multi-Channel Payment Fraud with Pinpoint Accuracy
RiskShield provides a high performance cross channel fraud prevention and risk assessment solution that helps banks, acquires, issuers and PSPs mitigating payment risk and avoid chargebacks. Prevent fraud losses and increase customer confidence with the most adaptive and fastest deployable anti-fraud software in the market today. The system uses a wide range of intelligent decision processes combined with patented fuzzy logic and dynamic profiling technologies to verify the legitimacy of the transaction in real-time.
Turning risk into reward Stop fraud and manage your risk with intelligent fraud detection and
analysis capabilities combined with extreme performance and seamless integration.
Increasing consumer convenience and loyalty by introducing a secure and risk-based solution for e-commerce payment acceptance.
Quickly respond to new fraud typologies and avoid further losses without IT involvement or coding.
Proven technology protecting the largest payment and card processors in the world, including FirstData, Equens, SIA and ING.
INFORM GmbH Web: www.riskshield.com Email: [email protected] Phone: +49 2408 9456 5000 (Germany)
Winner 2015 MPE Award Best Data Security
Proven technology protecting the largest
payment and card processors in the world, including
equensWorldline, ING, FirstData, SIA and SIX.
Scan the QR code and watch our video on multi-channel fraud prevention
INFORM GmbH Web: www.riskshield.comEmail: [email protected] Phone: +49 2408 9456 5000
EVENTS
Money20/20Location: The Venetian, Las VegasDates: October 22-25, 2017Website: www.money2020.comContact: [email protected]: 212-682-8000Address: 229 West 43rd St, 7th Floor New York, NY 10036 Event Description:Money20/20 US is the world’s most important event covering payments and financial services innovation for connected commerce at the intersection of mobile, retail, marketing services, data and technology. With 11,000+ attendees from 4,500 Companies and 85 Countries, including 1,700+ CEOs and 400+ speakers, expected at our 2017 US event, Money20/20 is critical to realizing the vision of disruptive ways in which consumers and businesses manage, spend and borrow money.
Money20/20 US will be held in Las Vegas, October 22-25, 2017.
PAYMENTS MARKET PLACE 2017/2018 16
MOBILE PAYMENTS
Tag Systems is a European Smart-Card-Based solutions provider, offering full services with Dual Interface card manufacturing and EMV personalization. The Group provides solutions for Instant Issuance, Pin by SMS and Mobile Payment based on HCE and tokenization, with wallet development, software integration… Tag Systems sales and service bureaus are located in Andorra, Spain, Norway, Colombia, Poland and UK. www.tagsystems.net
BIXOLON is a leading global manufacturer of dependable innovative and advanced printing technologies that include POS, Auto ID and Mobile receipt & label printers for a range of environments including retail, hospitality, healthcare, banking, logistics and warehousing. Offering extensive customisation capabilities, BIXOLON views its printing technology as an essential tool for any business and holds itself to the highest standards, since dedication to customers is its core belief.
PAYMENT CARDS CONSULTING
Accourt is a leading provider of strategic and operational consultancy services to the payments industry worldwide.
Our clients include banks, the card schemes and financial services institutions, payments and technology providers, telecom operators, corporates, merchants, and government organisations.
We aim to make a powerful, positive difference to our clients’ futures.
Our consultants are all experienced practitioners with front line P&L experience, combining unrivalled strategic expertise with operational know-how. From defining and setting strategy, to implementing deployment, through to final delivery, Accourt is dedicated to minimising operational risk and ensuring a successful and profitable outcome for our clients. We have a passion for delivering real and lasting value and we bring focused, world-class expertise to complement client teams.
Accourt specialises in addressing issues affecting the payments community. Our unique blend of experienced industry specialists and local market intimacy has positioned us as the advisor of choice for market leaders across the industry.
www.accourt.com
We provide the tools to enable
secure payment acceptance
from any device, anywhere.
From retail and hospitality, to
parking, transportation or charity
applications, our omni-channel
Payment Gateway and EMV
Kernels are at the very heart
of our partners’ businesses,
unifying payment transactions
made in-store, self-service,
online or mobile. Payment device
manufacturers worldwide rely
on our contact and contactless
EMV Level 1 Libraries and Level
2 Kernels, reducing their project
complexity, risk and time. We are
an EMVCo Business and Technical
Associate, a PCI SSC Participating
Organization, a Mastercard
accredited MEPSA company and
member of the U.S Payments
Forum, formerly known as EMV
Migration Forum. Our offices are
located in Bristol and New York.
To find out more, visit
www.creditcall.com or engage
with us on Twitter @Creditcall.
VIEW THE PAYMENTS MARKETPLACE ONLINE TO CONNECT TO COMPANIES
www.paymentsmarketplace.co.uk
Payments Marketplace 2018/ 2019 will be published on 26 July 2018.
Entries deadline 26 June 2018
PAYMENTS MARKET PLACE 2017/2018 17
PAYMENT PROVIDER
Connecting payers and payees across EuropeAs pan-European leader in payments and transactional services,
equensWorldline processes billions of payments, POS and ATM transactions
each year. Besides traditional payment services (issuing, acquiring, intra- and
interbank payment processing), the company’s platforms are also geared
for m-payments, instant payments, e-payments, e-mandates and e-identity
transactions.
Clients rely on equensWorldline’s expertise to anticipate European regulatory
changes, benefit from transformative technologies, optimize processes,
ensure operational excellence and manage risk and fraud. equensWorldline
accelerates it’s clients’ time-to-market and digital transformation, allowing
them to cater for the shifting needs and increasing demands of their
customers.
Being part of the Worldline Group and building on more than 50 years of
experience, equensWorldline services a broad, international client base in
numerous countries across Europe. The unparalleled footprint allows the
company to achieve economies of scale and benefit from synergies, becoming
a cost-efficient and competitive business partner for seamless, secure and
efficient payment solutions.
www.equensworldline.com
PAYMENT SOFTWARE
The Fintech Startup with 30 Years of History
cashless 3.0® is the innovative platform used by financial institutions, processors and program managers for eMoney payments across any acceptance network. Design and manage new multi-application payment products with CARD 3.0, the Card Management System of the cashless 3.0 suite. Its modular design makes it flexible and adaptable as payment instruments continue to evolve for a customized fit to your specific business needs. Do away with the old “card-centric” approach with cashless 3.0 and concentrate on customer experience. Shape your payments experience: Go cashless 3.0®
www.tasgroup.eu/solutions/cashless-world
PAYMENT SOFTWARE SOLUTIONS
www.tieto.com/real-time-moneyPlease see our main entry in Software Solutions
PAYMENT SOLUTIONS
Verifone is one of the world’s largest POS terminal vendors and a leading provider of payment and commerce solutions. We operate in more than 150 countries and employ nearly 6,000 people globally. At the core of the Verifone payment ecosystem is our secure, scalable framework. Our commitment to open standards fosters global collaboration through innumerable channels. Our hardware and software architecture, in conjunction with new development tools, enable more efficient integration. And new partnerships with some of the most progressive companies in payments and commerce further drive innovation and expansion.
Our payment terminals enjoy proven reliability in high-volume environments, with a product range that includes PIN pads, self-service payment systems, mPOS and wireless devices, combined with multimedia capability, contactless/NFC, multiple connectivity options and more. Verifone’s omni-channel payment as a service platform bundles hardware, software, gateway and professional services, security and encryption, estate management and reporting to deliver all-in-one payment acceptance for merchants of all sizes.
+44 (0)20 3264 3100
www.verifone.com
www.compassplus.com Offering emerging alternative
payment systems and channels
to more conventional card
management and retail banking
projects, Compass Plus delivers
a comprehensive and integrated
range of electronic payment
technologies.
See main entry under
Software Solutions
PAYMENTS MARKET PLACE 2017/2018 18
PSD2 HUB PLATFORM
OpenWay (www.openwaygroup.com) holds top global ranking in Digital Wallets by Ovum, 2016-2017. We develop WAY4, the digital payment software platform for banks, payment processors, e-commerce gateways, local and national switches, MFIs, telcos, oil companies, retailers, and governmental agencies.
Are you ready for PSD2?Become compliant and advance your payment business with WAY4 PSD2 Hub!• Monetise your customer base with open banking APIs, online account access, more payments and value-added services• Quickly adapt your IT infrastructure to instant payments at minimum time & cost• Generate revenue on your own payment methods• Increase revenue streams with more payment and loyalty options• Become the preferred partner and intermediator for banks,
PSPs, consumer finance and insurance companies, merchants and other payment players, and jointly promote online offers• Improve customer journey and increase profitability with personalised financial and shopping assistance• Attract successful start-ups and other partners with APIs, flexible pricing and high volumes capabilities
WAY4 PSD2 Hub – highlights• Platform for PISP, AISP, ASPSP and API Banking services• Instant payments, e-commerce gateway, ATM/POS switch, wallets, CMS and digital banking• Online B2C and B2B services• Account data aggregation, customer profiling, strong customer authentication• Reconciliation: credit transfer and direct debit payment flows; SEPA• Merchant portal and API• PA-DSS compliance
Learn more www.openwaygroup.com
SMART CARD MANUFACTURERS
With more than 40 years of experience in the payment business, Worldline, the European leader in payments and electronic transactions services, can help customers from any sector (banking, retail, manufacturing, governments, health, telco,…) anticipate major regulatory changes, boost their business with transformative technologies like mobile, artificial intelligence or electronic wallet, optimize their processes and mine data.
For banks and payment service providers, Worldline, through its subsidiary equensWorldline, provides Europe’s most extensive end-to-end service portfolio both for payments and cards transactions. As Europe’s leading payment service provider, we combine long-standing proven expertise in traditional mass payment systems (issuing, acquiring, intra- and interbank payment processing) and innovative e-commerce and mobile payment solutions. In addition, equensWorldline relieves banks’ regulatory burdens and reduces the complexity of legacy infrastructures, saving substantial costs, while embracing the new opportunities brought by PSD2 or Instant Payments.
For merchants, Worldline cutting-edge and seamless services facilitate consumer engagement on any device with the payment at the heart of the shopping experience. Relying on our cross-channel payment capabilities in terms of acquiring and acceptance, merchants can offer the best shopping experience to their customers in an easy way. Regarding the security of all stakeholders of the payment ecosystem, Worldline offers a strong combination of efficient solutions, tools and experts to prevent fraud and secure access to services with strong authentication.
Worldline is continuously innovating to give its customers a head start in their activities with future proof solutions.
[email protected] / worldline.com
Tag Systems is a European Smart-Card-Based solutions provider, offering full services with Dual Interface card manufacturing and EMV personalization. The Group provides solutions for Instant Issuance, Pin by SMS and Mobile Payment based on HCE and tokenization, with wallet development, software integration… Tag Systems sales and service bureaus are located in Andorra, Spain, Norway, Colombia, Poland and UK. www.tagsystems.net
PAYMENTS MARKET PLACE 2017/2018 19
SOFTWARE AS A SERVICE (SAAS)
SOFTWARE SOLUTIONS
About TSYS® TSYS® (NYSE: TSS) is a leading global payments provider, offering seamless, secure and innovative solutions across the payments spectrum — from issuer processing and merchant acquiring to prepaid program management . We succeed because we put people, and their needs, at the heart of every decision. It’s an approach we call ‘People-Centered Payments®’.
Our corporate headquarters are located in Columbus, Ga., U.S.A., and our international headquarters are located in London, with approximately 11,500 team members and local offices spread across 13 countries. TSYS generated revenue of $4.2 billion in 2016, while processing more than 25.5 billion transactions.
As one of the world’s largest companies for processing and licensing payment solutions, TSYS offers a broad range of issuer-and acquirer- processing technologies that support consumer finance, credit, debit, Islamic, commercial, contactless, loyalty, mobile, instalments, prepaid and related services for global financial institutions and retail companies. 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 provides services to more than half of the top 20 international banks, is a member of the S&P 500, a Fortune 1000 company, and was named one of the 2017 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 / www.tsysprime.com
PAYMENTS MARKET PLACE 2017/2018 20
RECEIPT PRINTER MANUFACTURERS
From emerging alternative payment systems
and channels to more conventional card
management and retail banking projects,
Compass Plus delivers a comprehensive
and integrated range of electronic payment
technologies. With hundreds of successful
projects across the globe spanning card,
account and merchant management, card
personalisation, payment processing, terminal
driving, self-service channel management,
mobile and electronic commerce implemented
in record breaking time, Compass Plus
ensures our customers make the most of their
technology investments.
Compass PlusTel: +44 115 753 0120Web: www.compassplus.comwww.tranzaxis.comEmail: [email protected]
International POS printer manufacturer Star Micronics offers not only the largest range of Bluetooth, Traditional and Cloud POS counter top mobile printing solutions approved by the majority of payment partners today, but also the most innovative. This includes the world’s first and only USB receipt printer to communicate and charge simultaneously and directly via a cable with an iPad, iPod or iPhone. Star’s TSP143III is not only a fast entry-level traditional USB printer, but is also a low cost Apple TabletPOS receipt solution using the device’s iOS lightning cable to ensure continued communication with a “brick-free”, internal power supply. Star’s range of Bluetooth printers includes not only Bluetooth 4.0 mobile printers that can talk to multiple iOS devices, but also the compact and elegant mPOP combined printer & cash drawer adopted by a variety of banks globally. Star’s extensive portfolio offers the very latest POS printing technology for a wide variety of applications and environments. Its unique hardware and software solutions with excellent SDKs offers ease of integration, versatility and high performance for tomorrow’s retailers and Star’s integration partners.
PAYMENTS MARKET PLACE 2017/2018 21
SWITCH & ECOMMERCE GATEWAY
OpenWay (www.openwaygroup.com) holds #1 global ranking in CMS by Gartner and Ovum, 2009-2016, and top global ranking in Digital Wallets by Ovum, 2016-2017. We develop WAY4, the digital payment software platform for banks, payment processors, e-commerce gateways, local and national switches, MFIs, telcos, oil companies, retailers, and governmental agencies.
WAY4 Switch & E-Commerce Gateway – your solutionfor omni-channel cross-border payments• Omni-channel switching – POS, mPOS, EPOS, ATM, e-commerce, mobile, interbank local and national payment switching• E-Commerce gateway for cards and alternative payment methods• Flexible interbank clearing and settlement• 3-D Secure MPI 2.0 payment gateway• Tokenisation and m-commerce• Digital wallet hub• Instant payments variety: inter-bank, inter-merchant, customer-to-customer, customer-to-government, customer-to- merchant, business-to-business, payment scheme-to-bank and more• PSD2-compliant account access and payment initiation
Who is using WAY4?Tier-1 giants, mid-size companies and ambitious start-ups, some of them managing over 1,470 t.p.s. and 50,000,000 transactions per day
WAY4 Switch & E-Commerce Gateway – highlights• Significant cost reduction thanks to unprecedented platform configurability• Groovy-based scripts to support international, regional, and local protocols• Flexible transaction scenarios based on price, risk, geography and other parameters• Certified by Amex, Diners Club, JCB, MasterCard, Visa, UnionPay, national payment schemes and PCI SSC (PA-DSS compliance)• 24/7/365 with support of geo-clusters• Cross-border, multi-currency, multi-bank schemes• API, ISO 20022, ISO 8385, SEPA, PSD2• In-memory grid for tokenisation
Learn more www.openwaygroup.com
TERMINAL MANUFACTURERS
SPECTRA Technologies Holdings Co. Ltd. is the Greater China Leader in design and development of electronic transactions technologies. We have clients and partners in more than 65 countries, providing wide range of products includes mPOS, PIN pads, Contactless / NFC reader, Countertop /Mobile payment terminals with multiple connectivity options of GPRS / 3G / Wifi / Bluetooth / GPS. T300 series, T1000, SP530 and T810 are our latest products.
E-mail: [email protected] / Website: www.spectratech.com
Mobile Payments World brings 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.
Visit and subscribe to
www.mobilepaymentsworld.com
PAYMENTS MARKET PLACE 2017/2018 22
TEST TOOLS
COMPRION supplies test solutions for contact-based and contactless interfaces in mobile communications and payments. Our test tools contribute to make cell phones, smart cards and banking terminals work reliably and globally interoperable. As an active member of standardization and certification bodies such as EMVCo, NFC Forum, GSMA, and GlobalPlatform, we integrate the latest specifications and technologies promptly into our solutions. Our portfolio covers:• UT³ Platform – the universal platform is the core device for our contactless conformance test solutions and can be extended by a robot for automated positioning• Design Validation Platform – our new contactless and modular tool family with analogue and digital measurement capabilities and an integrated API for customized tests• TraceCase – our slick tracer for discreetly spying contactless transactions in the field
www.comprion.com
FIS™ is an expert provider of test solutions and services for the payment industry. Building on +20 years of expertise, we allow you to quickly and confidently confirm the quality of your payment products. FIS serves more than 20,000 clients in over 130 countries and is the largest global provider dedicated to financial technology solutions. The company ranked number one in the 2017 IDC FinTech Rankings. www.opentestsolutions.com – [email protected] - www.fisglobal.com
ICC Solutions Limited is a global leader in the provision of EMV test tools and services and offers the complete set of qualified test suites for payment brand accreditation of contact and contactless EMV terminals.Our tools are used worldwide enabling development, quality assurance and regression testing in addition to formal merchant certifications. In addition, we offer a complete range of test cards, suitable for POS/ATM regression testing and staff training. Working with Vantiv in the USA, ICC Solutions developed VIABLE – an innovative and highly efficient closed-loop solution designed to simplify the EMV enablement, testing and validation process. VIABLE places merchants in full control of their EMV certification activities.
Web: www.iccsolutions.com Email: [email protected]
FIME offers comprehensive consulting services, technical training, technology design, test tools and certification testing across the financial services, telecom, transport and identity sectors. Its experts support projects from start to finish, resolving the technical challenges its customers face when implementing a complete portfolio of specifications, standards and multi-brand industry requirements.
For more information visit www.fime.com
Advertising & Advertorial Advertisements give immediate
visual impact of your brand, products and services.
Advertorial will show a more comprehensive product launch or
company overview.
Web and Digital MediaWebsites and Newsletters for
Payments Cards and Mobile and Mobile Payments World
Push your marketing messages across our e-zines, email and
social media channels
Supplements, Reports and White Papers
Promote your white paper or report via our multi-media
marketing channels.Print and digital supplements
reach all of our audiences across our multi-media platform
paymentscardsandmobile.com
Email [email protected]
PAYMENTS MARKET PLACE 2017/2018 23
Further Industry Listings
CARD NETWORKSAmerican Expresswww.americanexpress.comDiners Clubwww.dinersclubinternational.comDiscover www.discovercard.comJCB www.jcbeurope.euMasterCardwww.mastercard.comUnionPaywww.unionpay.com Visa www.visa.com
CARD PAYMENT SOLUTIONSMultos www.multos.com NBS Technologieswww.nbstech.comTag Systems www.tagsystems.net
COMPLIANCECallcreditwww.callcredit.co.uk/paymentsFscom www.fscom.co.uk
CONSULTANTSEdgar Dunn & Companywww.edgardunn.com Value Partners www.valuepartners.com
CONTACTLESS TECHNOLOGYHID Globalwww.hidglobal.com Ingenico www.ingenico.com Mobeewavewww.mobeewave.comProxamawww.proxama.com
ECOMMERCE SOLUTIONSBluesnapwww.bluesnap.com Klarna www.klarna.com
EPAYMENT SOLUTIONSeWay www.eway.co.ukPaysafecardwww.paysafecard.com
FRAUD MANAGEMENTCybersource www.cybersource.co.uk Feedzai www.feedzai.comThreatmetrixwww.threatmetrix.com
GIFT CARDSNitecrestwww.nitecrest.com
LAW FIRMSAlston and Birdwww.alston.com Locke Lordwww.lockelord.com
LOYALTY AND REWARDSEagle Eyewww.eagkeeye.comWelcome Realtimewww.welcomerealtime.com
MOBILE PAYMENTSFiserv www.fiserv.com Flypay www.flypay.co.ukJudopay www.judopay.com Lycamoneywww.lycamoney.comLoop Paywww.looppay.comOptimal Paymentswww.optimalpayments.com TAG Systems www.tagsystems.netYapital www.yapital.com MOBILE PRINTERSSewoo www.miniprinter.com
MPOSFlypos www.flypos.es iZettle www.izettle.comMobeewavewww.mobeewave.commPaymewww.mpayme.commPOWA www.powa.com Squarewww.squareup.comSwiffwww.swiffpaycom
OMNI-CHANNEL PAYMENTSPXPwww.pxp-solutions.com
PAYMENT SECURITYThales e-Security thales-esecurity.com
PAYMENT SOLUTIONSAdyen www.adyen.comPaysafecard www.paysafecard.comSix Payment Serviceswww.six-payment-services.com
SOFTWARE SOLUTIONSOmnyPay www.omnypay.netVisiona www.visiona.com WHITE LABEL SOLUTIONSACI Worldwide www.aciworldwide.comOnpex www.onpex.com
PAYMENTS MARKET PLACE 2017/2018 24www.Star-EMEA.com
For more information, please contact: Star Micronics EMEA, Star House, Peregrine Business Park, Gomm Road, High Wycombe, Bucks, HP13 7DL, UK Telephone: +44 (0) 1494 471111 · Email: [email protected]
TSP143IIIUSB.The world’s only POS printer that can connect directly to Apple iOS devices.As leading POS printer pioneers, once again we’ve created a world first. The TSP143IIIUis our game changing USB POS printer, the first of its kind to be able to connect directlyto an iPad, iPod or iPhone using the Apple Lightning cable for reliable USBcommunication and simultaneous charging.
And it is so simple, just plug your Apple device lightning cable into your iPad, plug the otherend into the Star printer and you are off – just what you would expect from the world’s mostinnovative POS printer manufacturer. Your simple and stylish POS “till” system is ready onceyou’ve chosen and downloaded your supported app of choice* with a built-in power supply –no bulky transformers to hide away or become disconnected by accident. The hard-wiredaspect of this printer means that your receipt printing and cash drawer trigger functions willalways be available and not Wi-Fi dependent. No other stand-alone POS printer canachieve this today.
*Phone Star on +44 (0) 1494 471111 to check your software is supported
OFF
ON
I
O
Unique Plug & Printsolution for the iPad“Data & Charging”
TSP143IIIUSB Ad_280x210 29/09/2017 14:36 Page 1