The Number One Prepaid Card for Your Organisation
Bread4Business A smart, innovative way to pay employees’ salaries, expenses and to manage budgets Payment Card Solutions (PCS) is Europe’s most trusted prepaid payment card specialist. We provide systems, compliance and customer service teams to operate some of the most successful prepaid card programs in Europe. In 2012, PCS developed Bread4Business, a unique prepaid card solution offering a onestop shop for the management of company expenditure. The unique expenses management system enables users to view reports by employee or department and to track amounts in real time.
Employees can upload images of receipts and assign accounting categories / job codes from any smart phone. No more spreadsheets, no more lost receipts, less chance of error or fraud, no reimbursement and less expense for the company and employee. A cost-effective alternative to traditional paperbased systems.
Services We operate MasterCard速 and Visa速 prepaid programs both under our own Bread brand and for third parties. Compliance / Fraud Legal compliance and anti-money laundering legislation in Europe is very complex. We can help you understand how to operate securely and legally, while maximising ROI. IT Services Our core prepaid platform has been developed over a number of years to be a complete outof-the-box prepaid solution. It provides all the functionality you need to run your prepaid program and covers the entire value chain. Our system is completely processor agnostic and interacts with many loading platforms and payment gateways and is fully PCI compliant. Customer Services In addition to our cardholder site, our core functions also include a customer service administration portal containing a full set of tools to manage customer contact and account administration. Our SMS and IVR (integrated voice response) platform has been designed to allow your customers / employees to operate and manage their prepaid cards on the go.
Value Chain Management Prepaid involves more parties than those commonly present in credit or debit-card issuing arrangements: the merchant acquirer, processors, a payment network and a cardissuing bank. These additional participants may include a program manager, a distributor, and a seller together will loading networks and others. PCS understands and has relationships with the entire value chain and can help you get to market quickly and easily by taking the strain out of operating the program and allowing you to sell it.
How it Works A cost-effective, simple solution for expense management Our solution can be used in any business area where you may currently use cash or cheques or generally need to control outbound payments. As it’s prepaid, you control the load amounts without worrying about credit limits or the potential for employee fraud. Our standard product includes: • • • • •
Issuance and activation of cards Loading cards individually or in bulk (eg for payroll) 24/7 Reporting of company transactions Manage company departments or sites View real-time float statements
• • • •
User access control Mobile web enabled Load alerts via SMS Cardholder web portal to view transactions and check balances
Expenses module: • • •
Upload receipts from camera phone or computer Manage accountung categories and job codes for categorization Comprehensive reporting suite
Case Studies Lebara Money In March 2011, Lebara worked with PCS to deliver the Lebara Prepaid MasterCard® in the UK, a twin pack money share product designed to allow Lebara customers to transfer money to loved ones easily and quickly using the MasterCard global network. This program was hugely successful with rapid distribution throughout Lebara’s customer base. “PCS have worked closely with us to deliver the solution in a timely and cost-effective manner. As the product evolves, we are confident that PCS will continue to provide robust and adaptable systems to meet our requirements.” - Russell Atkinson, UK MD Lebara Money
Lutterworth Logistics “Bread for Business Prepaid MasterCard provided us with a cost saving solution to the traditional fuel cards. Purchasing anything up to £34k a month on fuel we are seeing significant savings between £1.5-£2k a month and would highly recommend this product to other companies.” Saul Butler, Lutterworth Logistics
For your unique solution, contact us today: Payment Card Solutions (UK) Limited 3A The Plough Brewery 516 Wandsworth Road London SW8 3JX Tel: 020 3137 3420 Email: info@bread4business.com Web: www.bread4business.com @breadcards
Š 2014 Payment Card Solutions (UK) Ltd . The Bread4Business Prepaid Corporate Card is issued by IDT Financial Services Limited pursuant to a license from MasterCard International Incorporated. MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated. IDT Financial Services Limited is a regulated bank, licensed by the Financial Services Commission, Gibraltar. Registered Office: 57-63 Line Wall Road, Gibraltar. Registered No. 95716. All communications should be sent to Payment Card Solutions (UK) Limited, PO Box 67965, London, SW4 4DJ