The Conference agenda offers delegates a choice of detailed Presentations, Demonstrations and Exhibitions on Payments Programme Solutions and Case Studies highlighting the following topics. Full details of the individual Conference Presentations, Demonstrations Exhibitions on Payments Programme Solutions and Case Studies will be included in each category topic.
Merchant Payment Processing with Transaction Data Management and Support Accepting Card Payments suppliers generally have to do two things:
type of cards to be accepted and level of transaction data demanded by customers.
Firstly they need to be set up with a merchant account by an “Acquiring” Bank. A relatively simple process subject to passing the bank’s appropriate credit/risk and assessment criteria. Although there are alternative paths from third party providers. The second requirement is to have the necessary solution with which to process card transactions on the merchant account, from cardholder present to remote transactions such as phone, fax or Internet orders or a mixture of both dependent on the
There are a wide range of solutions available from third-party providers including bureau services that will fulfil these requirements. Increasingly both public sector and private businesses are demanding an enhanced level of data including full VAT level three details from their card capable suppliers and the ability to provide this may be crucial in continuation of the business from these card users and further growth. Again, a range of solutions are available from both the acquiring companies and third party solution providers able to provide expert advice on the best solutions for any particular business.
Presentation, Exhibition Stand & Workshops hosted by:
Interactive Transaction Solutions (ITS)
Procurer Bureau A Paper based B2B transaction service for merchants accepting low volume or have no technology capabilities. Level 1+2 & Level 3 and VGIS
Interactive Transaction Solutions (ITS) is one of Europe’s leading suppliers of payment related software and data handling services including major loyalty programs.
Procurer Online: our very popular web based solution, simple to use anytime anywhere. Level 1+2 & Level 3 and VGIS Procurer ERP: Integrated solution for high volume merchants. Level 1+2 & Level 3 and VGIS
ITS has a PCI accredited platform hosted by BT with secondary platforms and full business continuity/-disaster recovery capabilities. Established since 1990 ITS has become pioneers in the Purchasing Card market. ITS provides a wide range of solutions to accommodate all B2B needs of all businesses.
Procurer Ecom: E-commerce version of Procurer ERP. Level 1+2 & Level 3 and VGIS
ITS offers a complete one-stop service providing user interface applications and transaction handling solutions that facilitate a seamless ‘payment to settlement’ process in real-time or batch.
Procurer Managed: Bespoke payment services for high volume merchants. Level 1+2 & Level 3 and VGIS. Additionally, we poll thousands of bank owned terminals providing Level 1 & 2 data with Summary VAT.
Procurer Matching: Using Level 1 terminals at point of sale, matching Addendum data and then flowing Level 3 to the acquirers
ITS flows American Express, Visa Purchasing and MasterCard Onecard/Multicard Level 3 addendum data as well as standard cards. ITS daily carries out bulk settlement to Streamline, Barclays, Lloyds, HSBC, HBOS and AMEX.
Steve Wilkins Head of Operations sales@interactivets.com
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processed quickly and easily. For a demonstration visit: http://www.adflex.co.uk/demo/avt.htm
Adflex Accepting purchase cards from the suppliers point of view can be daunting. Here at Adflex we make it easy for your suppliers to accept purchase cards. From legacy to state of the art systems, our aim is to get supplier data to the buyer with the least amount of fuss and bother. Adflex have unparalleled expertise when it comes to purchase card implementations. We provide secure software to process all types of card transactions covering level 1, level 2 and level 3 including VGIS, LID, and AmexCPC. Our software is smart enough to accept data from a wide range of sources including invoice files, reports and database exports. Adflex Virtual Terminal (AVT) Adflex Virtual Terminal is a simple yet powerful windows application that can be run on a standard Windows PC, allowing all card types to be
Adflex Bureau Service (ABS) For those who do not want to use a software solution to accept purchase cards, take advantage of our Bureau Service. Simply send us your invoices in any electronic format and we’ll do the rest for you. Consultancy Services Our expertise of card processing systems allows us to offer unparalleled consultancy services. Our consultants are able to carry out onsite visits, undergo process evaluation and process formulation followed by detailed flowcharting and proposition of a tailored solution. Presented by Pat Bermingham patb@adflex.co.uk
access to our help desk which is staffed 24 hours a day, seven days a week, 365 days a year.
Servebase
Our commitment to security is demonstrated by our compliance with the requirements of the Payment Card Industry Data Security Standard (PCI DSS) for Level 1 Service Providers.
Servebase is a leading provider of card processing software solutions and services. Established for 21 years we are partnered & accredited with major banks and business partners globally. Our specialist sales team are here to offer you expert advice and help you select the best payment processing solution to fit your business requirements. We place the highest importance on understanding the individual requirements of our clients and, as well as ‘off-the-shelf’ payment services, we offer a bespoke solution development service. Each solutions is fully redundant, offers disaster recovery and includes
Adflex Integrated Solution (AIS) Adflex provide fully integrated solutions allowing seamless communication between your current computer systems and our payment gateway removing the need to re-key transaction information.
Servebase payment processing solutions support the processing of purchasing card data up to Level 3 (Line Item Detail) for ‘B2B’ transactions. We support the following purchasing card schemes: • Visa (VGIS) • MasterCard One Card • American Express To find out how we can meet your purchasing card requirements, please contact us. sales@servebase.com
www.search-online-now.co.uk Making connections between Suppliers & Buyers www.search-online-now.co.uk Has been developed to offer Public & Private Sector organisations a solution to source Purchasing Card Suppliers at Level One, Level Two and Level Three capability (LID capable). By providing an On-Line directory and search engine www.search-online-now.co.uk profiles suppliers business activities, products & services assisting both Public & Private Sector buying purchasing and contracting personnel to recruit UK based Purchasing Card Capable Suppliers. Existing and new Purchasing Card Capable Suppliers are able to amend, update and add their company details On-Line to www.search-online-now.co.uk on a self-administered basis. info@search-online-now.co.uk
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B&Q plc You can now use your Visa Purchasing Card at the country’s largest DIY retailer. Like you B&Q sees Purchasing Cards as a very effective and efficient means of procurement. B&Q have made a significant investment in becoming a Level 3 capable Purchasing Card merchant enabling B&Q to offer line item detail,including additional VAT information on all B&Q purchases.
Visa Purchasing Cards, the story so far... • Huge EPOS upgrade programme 2006 with Level 3 enhancement as part of it. • December 2007 B&Q becomes Level 3 capable VGIS supplier. • Functionality available in all stores 330 stores across the UK open 7.00am to 9.00pm 7 days a week (most stores) with 35,000 products under one roof in the larger stores. • Accredited to OGC Retail Trade Framework and Trade Discount Cards available. Presented by Mike Cartwright storeops.b2b@b-and-q.co.uk
SecureTrading is trusted by many of the UK’s best-known brands and offers a diverse range of innovative payment services that are tailored to meet the precise needs of its customers.
SecureTrading
Presented by Jon Prideaux Jon.Prideaux@ac.com
SecureTrading is the UK’s leading independent Internet Payment Service Provider (PSP), with more than 10 years of experience providing secure real-time payment processing for businesses operating online.
Commercial Cards Issuing Banks Commercial Card Issuing Banks issue and offer a variety of Visa and/or MasterCard Purchasing and Card Payment Solutions.
Some Commercial Card Issuing Banks have their own proprietary software, as does MasterCard, but apart from that the data they flow is identical.
The majority of enabled card capable suppliers that provide card management data can accept both Visa and MasterCard files.
Most Card Issuers will make daily transactions data file available to you, in some instances this may be a monthly data file with the level of service offered possibly depending on the size and the value of your programme.
enable organisations to utilise the depth and breadth of our experience whilst being able to select a solution that best meets their needs.
Barclaycard
We have an extensive portfolio of products and solutions designed to enable effective control and efficient management of all types of expenditure; streamlining procedures and delivering efficiency savings.
Barclaycard Commercial is the UK’s leading provider of the Government Procurement Card. With over 12 years’ experience as an approved Framework supplier, our knowledge and expertise span all sizes and types of public sector organisations.
Our products and solutions are reinforced with a dedicated public sector team who are totally focused on meeting the needs of public sector organisations. To find out more please call Sarah Bunting on: 01604 254946 or visit: www.barclaycard.co.uk/commercial
As we enter the new Framework Agreement, Barclaycard Commercial will become a dual issuer offering both Visa and MasterCard solutions. This will
Citi Citi, the leading global financial services company, has approximately 200 million customer accounts and does business in more than 140 countries.
Through its two operating units, Citicorp and Citi Holdings, Citi provides consumers, corporations, governments and institutions with a broad range of financial products and services, including consumer banking and credit, corporate and investment banking, securities brokerage, and wealth management. Additional information may be found at www.citigroup.com or www.citi.com.
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Presented by Jonathan Nixon Citi jonathan.nixon@citi.com and Martin Polak Boston-Marks martin.polak@bostonmarks.co.uk
SAP and Oracle Integration Solutions There is software available that fully integrates with SAP, from a user perspective they log onto SAP and the card management software is available. As with the webbased solutions the basic functionality is available
• Automatic cost code allocation on input of the file • VAT reclaim for level one vendors • Card and user profiles • Splitting of transactions over multiple cost centres • Various levels of transaction approvals • Multi level approvals • Multi user access • Suite of reports plus custom reporting options.
• Treats P-Card transactions as an “electronic” invoice and uses SAP “MIRO” screens to post the transaction
• As well as using the reporting options supplied with the software stand SAP reports can be used to determine vendor spend By using an integrated solution it enables the business to operate a single process for the raising of orders whether they are P-Card or not, this means commitments will be available when purchase orders are raised and actual's will be posted upon goods receipting, with the vendor accounts being updated when the transactions are posted. By using this type of solution it treats P-Card as another form of payment. If the company operates a No PO No Pay Policy this solution will complement that policy.
But they will also offer additional functionality
As these solutions sit within SAP, there will be a single login and standard SAP access controls apply. Savings can be achieved from an integrated system both from the use of purchase cards, reduction in invoice processing, reduction in the member of staff required to operate the purchase card programme and the rebate received from the card provider.
• Automatic matching of SAP purchase orders to P-Card transactions, if no match found proposing purchase orders that are a close match
• Manual matching of purchase orders to P-Card transactions
• Automatic posting to the ledger for matched items Case Study by:
Manchester City Council
How they are implementing the latest version of XiBuy from Paymetric and a move to operating their programme through the use of Lodge Cards.
Presented by Paul Muir Manchester City Council p.muir@manchester.gov.uk
Integrating your Purchasing Card Programme and SAP Paul Muir SAP Change Team Leader - P2P Financial Management Division gives an overview of how Manchester City Council integrated their existing £70M turnover Purchase Card programme into SAP.
BizAps BizAps is a leading SAP Products and Consultancy company and an SAP Packaged Service partner.
re-design and the implementation of fixed price, fixed scope SAP products. Purchasing Cards can form an important element of your AP strategy and integration to SAP is a given - but have you really leveraged the benefits they could deliver to your organisation? BizAps will explore the wider ranging and significant benefits which are available but are often over looked. Presented by Conor Mullaney conor.mullaney@bizaps.net
Our extensive experience and expertise lies in helping companies to optimise and automate end to end business processes through process
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Public Sector Procurement Card Programmes bank as the total spend from the scheme counts towards that rebate, so smaller programmes benefit from a higher rebate.
Available with the Welsh Purchasing Card and The Office of Government Commence (OGC) The Welsh Procurement Card initiative is similar to the OGC but is available to mainly Welsh Public Sector organisations. This offers both a MasterCard and Visa solution but the MasterCard solution has considerably more programmes. The uses of this scheme enjoy the benefit of a shared programme and dedicated support for the individual programmes from a team that work for the Welsh Procurement Initiative (WPI) and liaison with the bank is carried out from that team. Meetings are held with all members of the scheme, the bank and WPI team members. One the major benefits of operating a scheme such as the WPC is that everyone shares in joint rebates from the
The Office of Government Commence (OGC) has arranged a framework agreement with a number of the card issuing banks (GPC2). This agreement allows Public Sector organisations to select one of the card issuing banks as their supplier of their purchasing card programme without going through a formal tendering process. As this is a framework agreement the financials within the contract are up for negotiation by the card programme with the card-issuing bank. OGC are currently in the process of vetting its GPC3 framework agreement.
Purchasing Card case study by:
Welsh Purchasing Card Having now been established for over 6 years, the Welsh Purchasing Card (WPC) has reached a position where it is extensively used by the vast majority of Public organisations in Wales across all sectors. Provided under the terms of an agreement between the Welsh Assembly Government (WAG) and Royal Bank of Scotland the WPC uniquely (for the moment in the UK) offers users a choice of Visa and MasterCard schemes. The MasterCard product has however become the de facto card of choice, not least because of the provision of MasterCard's powerful web based card management system, Smart Data OnLine which has allowed organisations to set up an integrated card based purchase to pay system to suit their individual needs.
Swansea University & Aberystwyth University
Buying Solutions
Time moves on and WPC now sits with the WAG's xchangewales programme as one of a range of e-procurement tools which encompass the likes of e-sourcing, e-trading and e-invoicing. Whilst still growing in popularity, the role of WPC (and purchasing cards in general) are being re-assessed in view of the impact of alternative solutions increasingly available under the banner of e-procurement. This session poses some questions on how well the P Card industry has responded to the ‘threat’ of e-commerce, what, if any, innovative thinking is there and what does the future hold for further growth of P Cards in the UK Public Sector.
Alan Oram Card Programme Manager Alan.Oram@Wales.GSI.Gov.UK
Purchasing Card case study presentation Presented by Ridian Morgan Swansea University & Janet Reed Aberystwyth University
2010 GPC3 Framework Agreement Buying Solutions (OGC) will host a general outline presentation on the future 2010 GPC3 framework agreement of payment solutions for public sector organisations.
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Prepay and Pre Loaded Card Solutions value that has been loaded onto the card and the cards are available for cash withdrawals.
Prepay cards are a simple and innovative method of moving away from cash and cheque payments to customers, some of which may not have bank accounts, for making social and benefit payments. There are basically two ways the cards can be used, single use, this where an amount of money is loaded onto the card and once used the card is no longer valid. The second method is a multi use card; this card can be loaded on a weekly, monthly basis with either the same amount or different amounts each time.
The options for use for Local Authorities are numerous such as, benefit payments, school clothing allowances, grant payments, asylum seeker payments and other social payments. By making these payments in this way it is potentially a much cheaper option than cash and cheque payments. It makes cash readily available to customers who may have no access to a bank account or may need an emergency payment.
The cards are accepted anywhere credit cards can be used and control, if required, can be placed onto the cards to restrict where they can be used. It is also possible to see where the cards are being used by using card management software. Even though these cards appear to be a “credit card” there is no credit involved and the recipient of the card can only spend up to the
Another option for prepay cards internally is for travel. If you have employees that may need to travel either within the country or abroad would be issue then a preloaded card to cover their hotel and incidental expenses. This is an easier option than the employee spending their own money than put in expense claims and the cards can be topped up each time the employee travels.
Just some of the benefits to your cardholder: • Available to all regardless of financial status • Freedom to shop anywhere • Controls spending • Real-time balance information • Safer than cash
allpay Peter Brownbill Head of Prepaid Card Sales at allpay will present on allpay Prepaid Cards Modernise your payment methods and processes with a NEW cost-effective payment solution. Prepaid Cards from allpay enable organisations to have more control over the distribution of their funds, moving away from costly cash, cheques & vouchers. Just some of the benefits to your organisation: • Supports financial inclusion • Saves money • Improves control • Improves security
Prepaid Technologies Ltd issues the allpay Prepaid MasterCard. The electronic money associated with the allpay Prepaid MasterCard is provided by PrePay Technologies Limited, a company authorised and regulated by the Financial Services Authority. PrePay Technologies Limited is a registered Service Provider of Clydesdale Bank PLC.
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Card Schemes In the UK the majority of commercial and pre-paid cards are branded products from the Amex, MasterCard or Visa stables and Arval for fuel cards Business Payment Cards come under a variety of nomenclatures, Corporate, Charge, Procurement, Lodge, Purchasing, Pre-Paid and Fuel Cards being just some as well as a variety of specialist Payments Cards. The term ‘Card’ is in itself somewhat misleading because many of the products now becoming available offer much more than just a piece of plastic. Indeed it is perfectly normal to run a card programme without any cards.
Increasingly we are seeing Issuers and specialist companies offering a whole range of flexible purchasing solutions built around payment card functionality which can provide pre-purchase controls on the one hand and electronic delivery and manipulation of statements and management information on the other. Closed loop and hosted cards are terms for card usage where purchases are restricted to particular suppliers nominated by the buying organisation.
management information gives a clear audit trail for all transactions.
American Express (Amex) Presentation of their broad and innovative payments proposition to Public Sector organisations American Express is the global leader in Card Payment solutions, our core business. We have specialised in Card Payment solutions, Purchasing Cards, Travel Cards, Lodge Cards and Commercial Debit Cards for over 24 years in the UK and for over 43 years globally. With over 60,000 employees worldwide and offices in over 190 countries, American Express has coverage that is second to none. We are at the forefront of developing tailored and market leading solutions for our clients and we are able to offer a full suite of solutions and resources to ensure your programme expectations are delivered. Our solutions empower users, enforce compliance, streamline processes and deliver savings. Our industry leading
American Express’s dedicated Government Team have extensive experience, from Sales and Acquisition to Implementation and ongoing Account Management for both Clients and Merchants Our Consultative approach with each and every client ensures that our Card programmes deliver exactly what is required. Using Six Sigma methodology, we will continue to explore potential programme improvements and efficiencies throughout the life of your programme. Our strategic alliances with Concur Expense Management and our acquisition of GE Money, and its Virtual Payment Solution vPayment and also our Declining Balance Card Solutions are clear indicators of our commitment to remain at the forefront of Card Payment Solutions. These new solutions further enhance our market leading position. We continue to develop new products and solutions in order to deliver to our clients the most cost efficient and effective solutions. For further information, please contact Mike Moylan Government Team Manager michael.c.moylan@aexp.com
Fuel cards allow companies to control and reduce their fuel expenditure as well as monitoring CO2. Arval fuel cards are accepted at more than 95% of major fuel stations throughout the UK via the AllStar network which means that drivers are never far from somewhere to fill up. Our cards can also be used to purchase a range of vehicle-related goods and services such as maintenance, car wash and breakdown.
Arval Arval is the leading fleet and fuel management company in Europe with over 35 year’s industry experience.
Presented by Bernard Tomkins Business Development Manager Public Sector publicsectorteam@arval.co.uk
In the UK, we have over 1.2 million fuel cards in circulation and through these cards we process over 50 million fuel purchase transactions every single year.
providers of communication solutions needed a global payment provider to streamline its corporate card operations, it looked to AirPlus for both its lodged and corporate card solutions. Since switching to AirPlus, BT has been able to optimise its processes for handling expense claims of 60,000 regular travellers, reduce company risk and uncover true savings potential.
AirPlus International Your partner for payment and analysis of your business travel expenses AirPlus International sets the global standards in integrated payment and MIS solutions, helping over 32,000 corporate customers worldwide optimise their travel expense management. AirPlus offers flexible and measurable solutions that are instrumental in increasing the accountability, efficiency and security for clients in both private and public sectors, helping them gain more control over their T & E spend through streamlined processes and unique travel data analysis and reporting.
By demonstrating the ability to improve the efficiency of customers’ internal processes and recognise customers’ full savings potential, AirPlus has been recently awarded a Framework Agreement with Buying Solutions, validating AirPlus’ capability and product offering to all public sector organisations in the UK. As the largest issuer of UATP, AirPlus settles flight tickets from more than 260 airlines. Its standing in the marketplace has been acknowledged through some of the highest accolades in BTM, including the 2009 Buying Business Travel Diamond Award for the “Best Corporate Card Provider”. At the forefront of its award-winning product portfolio lies a strong commitment to innovation, greater transparency, enhanced data quality and research.
At a point in time when procurement processes are being scrutinised and travel policy compliance and supplier negotiations are being re-examined, there is a greater demand for smart payment solutions that lead to real cost savings and better optimisation of company resources. When BT - one of the world’s leading
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Presented by Gaynor Martin BT Global Corporate Card Manager and Rachel Burgess AirPlus International rburgess@airplus.com
E-invoicing and OCR Solutions These systems also come with their own flexible workflow solutions and one central screen, which display the status of all the invoices in the system.
These solutions once set up are extremely efficient and can lead to significant cost saving due to the potential numbers of staff required to process invoices, as in the main the staff are only dealing with the exceptions. Most of these systems offer self-learning OCR solutions, which "learn" as the invoices are scanned, they look for all the obvious fields that you would expect on an invoice. These include, company name and address, invoice number and date, vat number, vat amount, gross and net amounts. It identifies these fields and the first time an invoice is scanned it offers a “best fit” for that invoice for that vendor. The first step is to verify what has been offered or adjust/match the fields, once the invoice has been verified the next time an invoice is scanned for that vendor it will match.
Cogent Consulting
Once scanned the invoice posts into SAP and based on pre set matching criteria certain actions will happen, if it matches the PO exactly it will be available to pay. If it doesn’t match the purchase order, it will block, workflow will start and route the item to the creator of the PO for them to either accept or reject. If they accept the differences, the invoice will unblock and become available for payment. If they reject the invoice they will be prompted for a rejection reason and it will then be work flowed back to accounts payables for them to deal with. Again this will work best if the business is issuing purchase orders for the majority of its spend as that will increase the automatic matching this is dependent on the vendor has quoted the PO number on the invoice. attachments, XML, EDI, CSV and any other electronic file formats. All data/images are then transferred securely to the customers SAP system and Accounts Payable deal only deal with invoices that do not post first time. The scanning and OCR systems can also provide this functionality, but the difference is Accounts Payable have to deal with the entire process in-house.
eInvoicing & OCR integrating with SAP Whether you implement an e-invoicing service or a scanning and OCR solution, the time it takes for an invoice to be available for payment is drastically reduced. The AP team only deal with the exceptions and the management information will identify non-compliance by vendor and employee, which enables continuous improvement to the no touch process. The objective of e-invoicing services and OCR solutions is to take electronic data into SAP and automatically post invoices that pass 3-way match checks.
Today’s e-invoicing services and scanning and OCR solutions also provide wider benefits in procurement by providing visibility across the P2P process. This helps users identify smarter purchasing processes, particularly for non-stock items and services. The technology is helping customers in the public and private sectors to reduce the time it takes for an invoice to be available for payment and generating significant cost savings through efficiencies. Why stop at automating accounts payable? Once installed, the same technology platform can be used to manage Purchasing Card transactions in SAP including workflow to adjust coding and obtain approval. Additionally, the same platform can perform matching of supplier statements.
For invoices that require intervention due to price differences, receipt confirmations or account coding, the solutions allow Accounts Payable to control the interaction with business users. Business users are notified of exceptions via an email to their Corporate email in-box and can access their workflows via web pages, SRM, Portal or R/3 with access to the invoice image available throughout. Throughout the process statistics are kept by document, vendor, posting type, error reasons and business user to provide reporting that supports Continuous Improvement both internally with business users and externally with suppliers.
Solutions are available on a pay-as-you-go service with no capital expenditure as well as one off software implementations. Cogent Consulting provide P2P solutions to SAP users including e-invoicing services, scanning and OCR solutions, P-Card solutions and document management to SAP users in the UK and Europe. Presented by Daniel Kimpton daniel.kimpton@cogentconsulting.co.uk
Suppliers should be also allowed to send invoices in the format of their choice, so today’s e-invoicing services will accept paper invoices, pdf email
E.Invoicing solution presentation
Royal Bank of Scotland
Ian Watkinson, Head of Product Innovation at RBS, will discuss how e-Invoicing brings significant cost reductions and increased efficiencies to both trade receivables and procurement activities.
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Electronic Card MI and Transaction Management Solutions There are a number of web based card management software solutions available. These offer the functionality from card management software you would expect but with the flexibility for multi user access. A sample of the functionality available is
• Automatic cost code allocation on input of the file. • VAT reclaim for level one vendors. • Card and user profiles. • Splitting of transactions over multiple cost centres. • Various levels of transaction approvals As they are web based it the opportunity for the cardholders to manage their own transaction, make any necessary changes then sign off their transactions by approving them.
First Data Commercial Services
Once the transactions have been “signed off” by the cardholders their manager can then review the transactions, monitor where the spend is being made, ensuring it is in keeping with the services they provide and if they are satisfied with the transactions they can approve them. Once they have been approved at this level, they are then available for “posting” to the general ledger. All the solutions will come with a suite of reports and most will have the ability to create your own custom reports and will produce an output file to feed into a number of the larger ERP systems such as SAP and Oracle.
This presentation will look at the challenges we face in automating B2B payments and why to date there has been little success in replacing paper based and manual processes. The summary will look at what the potential solution looks like. Presented by Des Cahill Managing Director
The Solution for B2B Payments
Sonya Geelon SGeelon@deecal.com
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2009 Agenda: Mk 3, Version 18
Full details of the individual Conference Presentations, Demonstrations Exhibitions on Payments Programme Solutions and Case Studies will be included in each category topic.