PCN ISSUE 39-40 by Caxton House Marketing

Card Payment Solutions incorporating:

PURCHASING CARD

NEWS

The Information Exchange for Electronic Transactions & Card Payment Solutions www.cardpaymentsolutions.co.uk

issue 40 2007

The e-Commerce & Electronic Payment Solutions Conference 2007 ‘The Information Exchange’ See page 13

HSBC Thinking about VGIS Don’t know where to turn? VGIS (VISA Global Invoice Specification) is the replacement for the Line Item Detail Standard used to pass enhanced purchase card data. Click onto www.VGIS.com for the latest industry intelligence and to register for news, up-dates and information. Adflex has worked in collaboration with Barclays Merchant Services in the initial testing through to development of the VGIS standard and is an approved Barclays Merchant Services VGIS Solution Provider. Adflex latest release of Adflex PCardXML is a fully VGIS compliant browser based application enabling secure and enhanced purchased card processing, capturing merchant invoice information, tax and market-specific details. The powerful field mapping protocol in Adflex PCardXML allows rich data to be mapped back to your management information systems providing vital business decision support information. If you are considering implementing purchase card technology or need to become a VGIS compliant supplier, Adflex will work in partnership with you and your bank to provide a scalable cost efficient solution. Contact Adflex now on 01277 268 755.

Adflex Ltd 284 Warley Hill Brentwood Essex CM13 3AB Tel: 01277 268 755 e-mail: info@adflex.co.uk www.adflex.co.uk

Commercial cards are strongly positioned to be the solution of choice for B2B payments over the next 10 years, for all businesses ranging from the local newsagent to the large multi-national. As consumers, we have shifted our spend away from cheques to card payments at a rapid rate. This shift is being similarly reflected in the business world. Cards provide convenience, flexibility, access to credit, security and control of work-force spend.

Cards also represent an extremely efficient mode ofe-payment. As the use of e-commerce expands, this will undoubtedly accelerate the growth of B2B card payments. HSBC are committed to meeting the evolving payment needs of businesses in all market sectors and by all channels. This mirrors our philosophy of being a global, but local bank, understanding fully the requirements of our complete range of business clients.

Mike Skelcher, Head of Commercial Cards HSBC Bank plc, Level 37, 8 Canada Square, London E14 5HQ Tel : 0207 992 5281

Servebase Global Card Solutions – combining expertise with a flexible approach to deliver card processing solutions for Purchase Cards. Servebase, one of the world’s leading card payment technology providers, has over 20 years experience in credit card processing and a wealth of expertise in implementing a range of Purchase Card programmes. Servebase’s core PC-EFT processing software package has a proven and established track record. The latest software release, PC-EFT Version 3 offers a range of optional functionality and enhanced features in line with the recent card payment industry initiatives. Businesses no matter what size can keep up-to-date with the latest technology including:• Chip and Pin, the latest anti-fraud measure intended to replace magnetic swipe readers. PC-EFT Version 3 handles all additional messaging requirements for Chip and Pin transactions through the merchant’s payment interface to their chosen card readers.

• Visa Global Invoice Specification (VGIS), the new data format specified by Visa International to replace Level 3 Line Item Detail for Purchase Card transactions and collect auxiliary data. PC-EFT Version 3 supports VGIS in both Stand Alone Data Entry and Integrated systems. • Address Verification (AVS) and Cardholder Verification (CV2), increasingly important security initiatives to help combat fraud in customer not present environments such as for mail order/ telephone and internet card transactions. PC-EFT enables card transactions to be authorised and delivered from a PC server. It can be interfaced with POS systems or via the Servebase ELLIPSE suite of products, which are designed to cater for the growing demand in Internet accessed hosted applications. Recent Purchase Card programmes include London Borough of Barnet and Manchester City Council.

Contact; Andrew Brooks Tel: +44 (0) 870 333 6363 E-mail: sales@servebase.com Or visit: www.servebase.com

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Contents

Editorial: You can e-mail all your news, views, features & events for publication to: info@purchasingcardnews.co.uk

Concur Broadens European Distribution by Partnering with Leading Financial Institutions BCC Corporate and Nordea

WorldTM MasterCard Sets New Standard in UK Premium Credit Card Market

Parkeon provides unique parking payment system for West Suffolk Hospital

American Express launches platinum card in Europe

ITS is a leading industry expert in Transaction Solutions for all business sizes sectors and technologies

European Off-Site ATM Market More Than Doubles in 5 Years

Onecard from Ulster Bank

The e-Commerce & Electronic Payment Solutions Conference 2007: ‘The Information Exchange’

The e-Commerce & Electronic Payment Solutions Conference 2007: Agenda & Floor Plan

The e-Commerce & Electronic Payment Solutions Conference 2007: Conference Programme

ASSA ABLOY ITG’s Terminal approved for live trial of German Electronic Health Card

MasterCard® PayPass™ Extends Leadership Position in Europe with First Pilot in Italy

Wal-Mart selects SSH Tectia Solution to Secure Data-in-Transit 20 American Express and Starcite team up to offer companies innovative meetings management solution

Royal Bank of Scotland Group and MasterCard join forces

Advertising:

Advanced Payment Solutions’ cashplus reaches £100 million turnover 23

For advertising, feature sales and sponsorship contact Peter Gittins on +44 (0) 161 928 0485 or info@purchasingcardnews.co.uk

American Express unveil first fully integrated electronic invoicing and settlement solution for corporations

Prepaid MasterCard gift card programme rolls out to UK-wide designer outlets

Card Payment Solutions, Castle Hill Farm, Castle Mill Lane, Ashley, Altrincham, Cheshire, WA15 0RB

The Solution of Choice for Wales

Jargon Busters

“Why Purchasing Cards?”

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MasterCard’s UK Public Sector Proposition Regional Presentations 30

Full contact details:

No article may be reproduced in part or in whole without permission of the publisher Purchasing Card News is published and printed by Caxton House Marketing Ltd. © Copyright: Caxton House Marketing Ltd 2007 The publishers are not liable for the statements made and opinions expressed in this publication.

E-Commerce is coming of age

Purchasing Card News 39 ‘Click’ with your customers!

‘Search...’ Purchasing Card Capable Suppliers Search Engine & Directory

Travelex Launches Planet Payment’s “Pay in Your Currency” at All US Locations Through Humboldt Merchant Services

MasterCard Reports Double-Digit Growth for the Second Quarter in the Europe Region

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Concur Broadens European Distribution by Partnering with Leading Financial Institutions BCC Corporate and Nordea Thousands of Corporate Card Clients Now Have Access to On-Demand Services from World’s Leading Provider of Employee Spend Management Solutions

oncur (NASDAQ: CNQR), the world’s leading provider of on-demand Employee Spend Management services, today announced partnerships with leading European banks and corporate credit card providers. Driven by the increasing demand within their client-base for additional services to complement their corporate credit card programs, leading financial institutions BCC Corporate and Nordea are now partnering with Concur to provide their clients with access to the powerful travel and expense management services delivered by the world leader in Employee Spend Management.

“Our clients rely on us to provide them with the products and services they need to help them better manage their employee spend,” said Wouter Versonnen, Sales Manager for BCC Corporate. “Concur is the only provider offering a truly unified travel booking and expense reporting solution, delivering the simple yet powerful solutions our clients demand. Used in conjunction with our established credit card programs, Concur’s services increase card usage, help drive policy compliance and provide greater visibility into, and control over, employee spend.” Concur's end-to-end travel and expense management services streamline the travel procurement, corporate meeting planning and expense reporting processes, while the vendor payment solution enables organisations to automate and streamline the processing of vendor invoices and employee check requests. Concur’s services are flexible enough to accommodate the needs of organisations of any size – with many Concur clients now benefiting from using multiple Concur services in conjunction with one another to drastically cut costs and manage employee spend before it occurs. “Companies are asking their corporate credit card partners for services and technology to help them better manage their employee spend,” said Rajeev Singh, president and chief page 4

operating officer for Concur. “While our partners recognise the value of offering their clients one complete end-to-end service that manages corporate travel and entertainment costs, they also understand that today’s clients require a truly global solution. Concur’s end-to-end travel and expense management services not only support a wide range of languages, currencies and tax and policy regulations, they also provide access to the broadest selection of travel content from around the globe. As the only provider offering a truly unified, global travel and expense management solution, Concur is helping our partners deliver the services their clients need to help them drive costs out of their businesses – from the moment a business trip is planned through reimbursement.”

About Concur Concur is the world's leading provider of on-demand Employee Spend Management services. Concur enables organizations to globally control costs by automating the processes they use to manage employee spending. Concur’s end-to-end solutions seamlessly unite online travel booking with automated expense reporting, streamline meeting management and optimize the process of managing vendor payments, employee check requests and direct reimbursements. Organizations of all sizes trust Concur to help them control spend before it occurs while eliminating paper and optimizing supplier relations. Concur’s unified approach to managing employee spend delivers a 360° view into all employee expenses, helping companies globally enforce policies and monitor vendor compliance, while delivering unprecedented control and valuable insight. Concur's suite of on-demand services reach millions of employees across thousands of organizations around the world -- streamlining business processes, reducing operating costs, improving internal controls and providing enhanced visibility and actionable expense analysis. More information about Concur is available at www.concur.com.

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The MasterCard Multi Card Streamlines Processes What’s most important to your business finance? ■

Gaining more control over spending?

■

Reducing the number of cards in circulation?

■

Standardising payment policies? ■ Eliminating redundant or inefficient processes? ■ Lowering costs?

Take efficiency to the next level by combining two or more credit cards in a MasterCard® Corporate Multi Card program. By consolidating enhanced spending data you’ll be able to streamline and better manage the entire ‘procure-to-pay’ process. A Multi Card Program integrates card activity across categories, giving you a

clear overview of expenses so you can easily analyse spending patterns. With more detailed transaction reporting you’ll be able to negotiate better deals with vendors. And with Smart Data OnLine™ from MasterCard Worldwide providing superior access to information and better integration of data into your system, you’ll gain unsurpassed control and flexibility.

For any or all of these goals, there is one simple solution: The MasterCard Multi Card. For further information on MasterCard Corporate Multi Card programs please email Laurent Vreven at MasterCard. laurent_vreven@mastercard.com

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World MasterCard Sets New Standard in UK Premium Credit Card Market First UK launch of WorldTM card issued by Capital One®

asterCard® Europe today underlined its leadership of the premium credit card market with the announcement of the UK’s first WorldTM MasterCard programme, issued by Capital One®.

Using World MasterCard, card issuers will be better equipped to succeed in the intensely competitive battle to satisfy the demands of mass affluent consumers, estimated to total seven million in the UK. Travel is one of the key characteristics of this consumer segment, and World MasterCard features a truly comprehensive travel insurance and assistance scheme that provides mass affluent cardholders with peace of mind throughout their trip. It also includes a rich rewards programme, allowing cardholders to profit from every purchase made with a World MasterCard card. Of course, cardholders also benefit from unsurpassed global acceptance. Capital One Bank (Europe) plc has become the first UK issuer to offer customers a World product, with the launch of the Capital One Cashback Card with World MasterCard, which, in addition to World's mandated benefits, guarantees cardholders an exceptional four per cent cashback on all purchases made during the first three months and one per cent on all purchases made thereafter. John Bushby, General Manager, Northern Europe, MasterCard, said: "The launch of World MasterCard in the UK underscores our commitment to cementing our customer relationships, by enabling issuers to unlock latent value in their existing card businesses”. "World MasterCard offers features that are in line with the needs of the UK’s mass affluent consumers, for whom the credit card market currently does not cater. By combining status with value for money, World MasterCard will enable page 6

issuers to rejuvenate the mass affluent consumer’s interest in credit card products”. "World MasterCard is akin to a kitemark for the premium credit card market. It’s an assurance of value for money and high quality rewards, no matter who you bank with." Sanjiv Yajnik, Executive Vice President, Capital One, commented: "The Capital One Cashback with World MasterCard offers one of the best rewards packages in the market. We expect this new card to set the tone for more collaborative efforts between Capital One and MasterCard in the future, as we go on to create a suite of products that will prove to have irresistible value to the customer." The visual design of World MasterCard will also make it instantly recognisable, with the World name written in a horizontal 'holding bar' on all World products. In another first, the launch will be supported by a major television advertising campaign, breaking the MasterCard UK tradition of purely brand advertising in support of consumer credit products in the UK. Developed in conjunction with McCann World Group, the campaign is scheduled to launch in the UK in late September. With the launch of World, MasterCard is further demonstrating its understanding of the dynamics conditioning the premium credit card marketplace in the UK, in which it already operates through its existing World Signia products, including NatWest Black, RBS Black, i24 and Coutts credit cards.

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Parkeon provides unique parking payment system for West Suffolk Hospital Pay stations handle Chip and PIN, rechargeable smart cards, coins and bank notes for optimum user convenience Following the award of a seven year contract to manage parking facilities at West Suffolk Hospital in Bury St.Edmunds, VINCI Park has installed a Varioflex® Pay-on-Foot (P-o-F) system from Parkeon, the world’s leading provider of parking space management solutions. For optimum user convenience, the system accepts coins, bank notes, Chip and PIN credit card payments, and a rechargeable e-purse card exclusive to Hospital staff. The Varioflex system has replaced the previous Pay & Display (P&D) installation in the Hospital’s main car park, which has 296 spaces for patients, visitors and staff. Two Varioflex automatic pay stations, along with terminals and barriers on the twin entry and single exit lanes, have been installed. The e-purse payment system is based upon Parkeon’s ‘Pay One’ rechargeable smart card and enables VINCI Park to operate an innovative parking discount scheme for the Hospital’s staff. The objective is to make as many spaces as possible available in the main car park during hours of peak demand for use by the general public. This is achieved by giving staff a discount when they park in other P&D controlled car parks on the site at such times (Parkeon also previosuly supplied the P&D terminals). Staff working night shifts benefit from the same discount during their working hours when they use their e-purse cards in the main car park, as public demand is

then much lower. Money can be loaded onto the rechargeable cards - using cash - in the pay stations. Credit card payments are authorised on-line via 3C, Europe’s leader in integrated credit card payment solutions. While drivers appreciate the convenience and security of being able to pay for parking with a Chip and PIN card, the facility also helps reduce operating costs. “The unique range of payment options that we have introduced at West Suffolk Hospital make life a bit easier for all drivers at the site, while the innovative staff discount scheme helps us to balance the demands for parking from different user groups at the busiest times of day – a problem that is familiar to all hospital parking operators”, says Paul Valencia, Special Projects Manager at VINCI Park. Additional services introduced by VINCI Park at the West Suffok Hospital include more parking attendants over extended hours to improve security, electronic signage indicating how many spaces are available, new bike shelters and free cycle hire for staff, courtesy umbrellas and assistance with flat tyres.

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American Express launches platinum card in Europe New premium product offers a host of business travel benefits including airport lounge access and 24/7 concierge service, assisting productive business travel and helping Companies control expenses

American Express announce the launch of Platinum Corporate Cards in the UK, France and Germany. The Card, available from October, will offer superior added value benefits, providing an enhanced expense management solution for Corporates with the best in travel, best in service and best in rewards for Corporate Cardmembers. Brendan Walsh, Senior Vice President and Head of Commercial Card EMEA at American Express, comments, ‘Our new Platinum Card provides added value benefits which our corporate customers tell us they want and need. It combines key features to make life easier for the business traveller and provide peace of mind in an emergency situation, as well as online account management, making the expense management process quicker and easier.’ Features of the Platinum Card include access to over 500 executive airport lounges, providing easy access to the internet and email in many locations, as well as complimentary upgrades at selected car hire and hotel partners. The American Express Concierge service is also included. The team of travel and business service consultants available round the clock to advise on and book hotels, restaurants and transport, takes away the admin and the worry of getting the perfect arrangements, whether it’s a lastminute hotel requirement or a quality restaurant for an important business meeting. Cardmembers are also able to save time and work more efficiently by viewing statements, tracking charges and making payments around the clock via a secure online environment. This ensures business related spend is quickly page 8

and accurately charged to their card, allowing businesses to track and manage expenses more effectively. Cardmembers also receive complimentary membership of the American Express loyalty programme, offering personal rewards redeemable against a range of products including flights and weekend breaks. Walsh continues, ‘For the busy business traveller, time is precious both off and on-the-road, and the hours spent in transit or at the hotel can be maximized by making the life of the business traveller easier. Something as simple as lounge access can offer extended working capabilities through internet access, helping to capture otherwise lost working hours, or even just offer a reviving haven between flights. By offering personal rewards Cardmembers are also incentivised to put any business spend onto the card, capturing more spend and helping Corporates to gain greater control and compliance visibility.’ The Platinum Card benefits also include Premium Global Assist service, available 24/7 to help ensure that any personal, medical or legal emergencies can be resolved as quickly as possible. Cardmembers automatically receive extensive travel accident, travel inconvenience, flight delay and personal belongings cover as well as medical assistance, medical expenses and repatriation. Cardmembers also get our Card Defence Service, designed to ensure business trips aren’t compromised by lost passports, driving licences or cards. After documents are registered, the service can organize card replacements or fax documents to a relevant embassy, consulate or car hire bureau.

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ITS is a leading industry expert in Transaction Solutions for all business sizes sectors and technologies Specialists in developing supplying and supporting software & services for any form of transaction handling like B2B addendum EFT Loyalty & Citizen Cards e are pioneers in the fast expanding Purchasing Card market providing a range of bespoke and off the shelf transaction solutions for Mastercard, Visa and AMEX Purchasing Cards. Our independence of scheme, issuer, acquirer and manufacturer enables us to support all major debit, credit and purchasing cards, and provide multi-acquirer solutions.

ITS can provide solutions for low volume B2B transactions through to fully integrated, multi-merchant, multi-currency systems enabled for Levels 1, 2, 3 and VGIS data. Terminal polling Both magnetic stripe and chip & pin capability to process all cards up to level 3 purchasing cards. ITS dials in and collects a file containing your transactions at a specified time.

Procurer Online (POL) Ideal solution for customers who want to be Level 1,2 & 3 capable and are looking for the flexibility and freedom to access their own transaction data. Approved by all the major UK acquiring banks and HM Revenue and Customs, POL is a secure internet based card processing system for credit, debit and purchasing card transactions that can be accessed from any PC with web connection. Transactions are processed in real time via a secure web page provided by ITS, so customers can cut out the time consuming paperwork or purchase order and invoice preparation.

submit to the acquiring bank in one single file. This allows you to benefit from the security of chip & pin whilst being able to provide full addendum data to your customers.

ITS customers can benefit by subscribing to our easy to use online e-Statements service; This contains simple yet effective tools for analysing and searching the transaction database. The service is updated early each morning to show transactions from the previous day that have been processed and submitted to the acquiring bank(s) for settlement.

Management Information (MI) reporting ITS is able to provide bespoke reports detailing any type or level of information captured during the transaction handling process. MI reports are particularly useful for customers that utilise our specialist, Level 4 data handling service. Additional data outside the usual financial routines can be captured and reported.

Supplier Recruitment As leading industry experts, with thousands of suppliers using our solutions, we can assist organisations with supplier recruitment through seminars and meetings, to outline the benefits and growth of the Purchasing Card Industry. We determine â&#x20AC;&#x2DC;best fitâ&#x20AC;&#x2122; solutions and provide ongoing product support through online demos documentation and training.

Consultancy ITS is able to provide a full consultancy service and can arrange to meet a prospective client and discuss their particular requirements and Service Level Agreements. This can be for any part of a project or a whole end to end solution. Whatever the requirements, major or minor, ITS has a wealth of knowledge and skills in providing solutions for credit/debit card systems, Purchasing Card systems and Loyalty systems.

We have created an animated demonstration which you can view at www.procurer-online.com/demo

We have strategic relationships with a number of suppliers, banks and scheme providers, so it is possible that we may be able to achieve significant savings on a client's behalf.

Procurer ERP

Contact Centre

Interfaced solution for processing credit, debit and purchasing card transactions (level 2 summary, level 3 LID & VGIS). It enables companies to integrate existing order processing or mail order systems with a UK APACS compliant credit/debit and purchasing card processing system. The Procurer ERP solution is provided in several variants, depending on how a specific merchant wishes to operate. Transaction details can be processed online, in batch, or a combination of both.

Our contact centre staff specialise in Purchasing Card expertise and managing clientsâ&#x20AC;&#x2122; expectations. We provide full business hours support for all customers as standard and are able to facilitate additional 1st, 2nd and 3rd line support depending on customers needs. If required, clients can talk specifically to the Account Managers who are experts where their particular products or customers are concerned.

Invoice matching service (IMS) IMS is a service that can be used to associate and match level 3 invoice data with level 1 financial information processed through EMV POS terminals. ITS will simply match the addendum data together with the terminal data, and

To find out more details, please contact our Sales team on 01243 434 500, visit our website at www.interactiveTS.com or email sales@interactivets.com page 9

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European Off-Site ATM Market More Than Doubles in 5 Years Off-site ATMs are driving growth in cash-dispensing ATMs in Europe. During 2006, the sector grew by 11%, reaching a total of 148,175 off-site installations. Retail Banking Research (RBR) has just published the third edition of ‘Off-Site ATMs Europe’ which provides the industry with its most detailed and reliable country by-country analysis of the off-site cash-dispensing ATM market in Europe.

Russia witnesses 42% off-site growth

160,000 140,000 120,000 100,000 80,000

Key findings from the new report, which covers 27 countries, include:

•

Europe home to 148,175 off-site ATMs (out of a total of 425,888 cash-dispensing ATMs)

• •

Russia witnesses 42% off-site growth

• •

NCR supplies 49% of European off-site sector Off-site ATMs to reach 220,000 by 2011

In 2006, Europe experienced an 11% growth in its installed base of off-site ATMs, with over 15,000 new installations, reaching 148,175 off-site terminals by year end.

•

35% of ATMs in Europe are located off-site, although this proportion varies widely between countries.

•

Nearly three quarters of Irish ATMs are located off-site in contrast to less than 1% of ATMs in Belgium.

•

40,000 20,000 0 2002

ATM surcharging practised in only three European ATM markets

Europe home to 148,175 off-site ATMs

•

60,000

Off-site units make up more than half the total ATM market in 8 of the 10 CEE markets surveyed, but only 3 of 17 western Europe countries.

2003

2004

2006

2001 2002 2003 2004 2005 2006 Off-site 64,915 83,375 98,741 119,916 133,059 148,175 ATMs Share of total ATM 22.4% 26.4% 29.1% 32.6% 33.8% 34.8% market Source: Off-Site ATMs Europe (Retail Banking Research)

Top 5 European ATM Markets Ranked by Number of Off Site Installations, 2006

Country UK Russia Germany Ukraine Spain

# ATMs Off-Site 41,540 23,782 11,406 8,750 7,951

Top 5 European ATM Markets Ranked by Domestic Share of Off Site Installations, 2006

Country Ireland UK Russia Slovenia Croatia

Source: Off-Site ATMs Europe (Retail Banking Research)

page 10

2005

% ATMs Off-Site 73.0% 68.5% 65.0% 64.7% 63.8%

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Russia witnesses 42% off-site growth

•

De La Rue 3.0%

Others 2.6%

Triton 9.6%

Diebold 12.0%

Despite the rapid growth witnessed in the off-site sectors of these countries, the UK still has by far the largest number of non-branch installations (41,540), accounting for 28% of the European total.

Key findings from the new report, which covers 27 countries, include:

•

Market Share of Off-Site ATMs, by Manufacturer, 2006

Russian banks were some of the largest deployers of off-site ATMs. They added nearly 7,000 new off-site cash-dispensing ATMs during the year, equating to domestic growth rate of 42%. Other countries showing strong growth in off-site ATMs were Bulgaria, Denmark, the Netherlands and the Ukraine, whose number of non-branch installations all grew by more than 20%.

card payment solutions

Surcharging is currently practised in only three of the countries surveyed – the Netherlands, Russia and the UK. The vast majority of surcharging ATMs are installed by independent ATM deployers (IADs), although some banks in Russia and the UK also surcharge. Not all countries have legislation preventing surcharging at ATMs. However, the introduction of surcharging in most countries is not imminent due to fears of negative publicity and customer hostility.

Wincor Nixdorl 24.2% Source: Off-Site ATMs Europe (Retail Banking Research)

Off-site ATMs to reach 220,000 by 2011 • The installed base of off-site cash-dispensing ATMs in Europe is forecast to rise to more than 220,000 terminals by the end of 2011, 40% of the expected total.

•

Over half of these will be found in Russia, the Ukraine and the UK.

•

The principal drivers of off-site growth are:

•

Further deployment on retail premises. Although this sector is already home to many off-site cash-dispensing ATMs, it is still believed to offer great potential. Such locations are becoming increasingly popular in Russia in particular, and are likely to become a prime target in the coming years;

•

Growth in the economy and increased foreign investment in countries such as Poland, Romania and Turkey;

•

Increased installations in rural areas and small towns, particularly where opening a branch would not be profitable. This is anticipated to be the case in countries including Greece, Poland, Turkey and Russia;

•

Further deployment by non-banks. IADs are expected to enter the Finnish and Turkish markets during 2007;

•

Increased custom from foreign travellers. For example, in Bulgaria and Croatia ATMs are likely to be installed in coastal and ski resorts to benefit from the increasing number of tourists to these countries.

NCR supplies 49% of European off-site sector

•

NCR supplies nearly a half of all off-site ATMs in the 27 European countries, with a market share of 49%.

•

Its closest rival, Wincor Nixdorf, accounts for a further quarter of the market. Diebold is the third largest supplier of off-site ATM, with 12%.

•

The top three manufacturers all have a presence in most of the countries surveyed, but Wincor Nixdorf is the only company to supply off-site ATM deployers to every country.

•

Other significant manufacturers in this sector include Triton and De La Rue.

NCR 48.6%

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Onecard from Ulster Bank A first to market in Northern Ireland Ulster Bank announced the launch of OneCard in Northern Ireland, a brand new commercial card, offering significant value to businesses who want to revolutionise the way in which they manage their business spending. OneCard, a MasterCard® badged card, is the first all-in-one expenses and purchasing card to be launched in Ireland. Meridio, the Northern Ireland based software company, is the first company to use OneCard. Companies typically manage their business spending in many different ways, resulting in lots of paperwork and costly processes. OneCard empowers companies to rationalize their payment processes and achieve improved cost control right across the organization. Neil Cooke, Head of Commercial Cards, Ulster Banks says, “OneCard represents a significant development in the commercial card space. This is the first time businesses in Northern Ireland have been offered a commercial payment card that can potentially be used for all their business spending. We are excited about the value we know that this can deliver, particularly for medium sized companies” “Business spending on cards is evolving from purely travel and entertainment expenses to broader purchasing activities. OneCard is a direct response to that evolution” he continues. Backed by a sophisticated management reporting tool called Smart Data Online (SDOL), OneCard is a step ahead of the market. Smart Data allows businesses to easily monitor and analyse company expenditure. With access to up-to-date information, they can produce their own reports and upload data to their accounting systems, cutting out the need for paperwork. OneCard also offers an unprecedented range of options around spending controls and flexible billing. And when businesses use a VAT capable supplier, OneCard reports will be accepted by HM Customs and Excise as evidence for VAT reclaim, eliminating the need to wait for and match paper invoices for every purchase. MasterCard spokesperson Jorn Lambert, Group Head, page 12

Commercial and Consumer Products for Europe further adds “OneCard has already proved its worth in other markets and has demonstrated unique value to commercial customers. We are delighted to work with Ulster Bank to see this success continue in Northern Ireland”. Meridio, the Northern Ireland based software company, has been piloting OneCard over the past few weeks. Jeff Wylie, Chief Financial Officer, Meridio says, “We are committed to finding new ways to improve how we manage our business spending. OneCard represents an important step in achieving that goal. We have already seen improvements in efficiency over the past few weeks.” OneCard offers additional features, such as Corporate Liability Waiver, travel accident insurance and a travel assistance service for all cardholders to help with any travel queries.

About Ulster Bank Group Ulster Bank Group is a wholly owned subsidiary of The Royal Bank of Scotland (RBS) Group, one of the world's largest banking groups in the world. RBS employs 145,000 people of which 6,380 work for the Ulster Bank Group. Following the acquisition of First Active in January 2004, and together with Ulster Bank, the enlarged Ulster Bank Group consists of 272 branches, 32 Business Centres, more than 1.7 million customers and over 1000 ATM’s. Ulster Bank Group received an 02 ability Award in February 2006 for the second year running. This was awarded for demonstrating innovative best practice in the employment of people with disabilities.* For more information, visit http://www.ulsterbank.com. *The O2 ability award programme has been designed and created by the Aisling Foundation and organised in partnership with access ability. It is the very first Irish business award for the best practice in the employment of people with disabilities.

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The e-Commerce & Electronic Payment Solutions Conference 2007 ‘The Information Exchange’ Lancashire County Cricket Club, Old Trafford. Wednesday 7th - Thursday 8th November 2007

‘The Information Exchange’ The sixth annual e-Commerce & Electronic Payment Solutions Conference 2007 will cover all aspects of Electronic & Commercial Card Payment Solutions & Services, a major interest of both private sector companies and public sector organisations alike. With increasing awareness of all electronic payment solutions the annual Information Exchange Conference has become an essential venue and a primary source of information for companies and key company personnel wishing to gain further knowledge of best practice procurement initiatives, Commercial & Purchasing Card Payment Solutions and the associated leading edge e-Commerce Transaction Technology.

As always the conference promises to be a “Who’s Who” of the industry with representatives from the worlds leading Commercial Card Issuers, major UK Banks, Acquirers and the industry’s leading Solutions Providers attending. Our agenda includes topical case study presentations and seminars hosted and presented by the industry leading specialist, exhibitions demonstrations, breakout sessions and workshops that promises to leave delegates even more informed and inspired.

The conference agenda will illustrate just how the wide range of topics presented can affect your future day-to-day business dealings. Our focus topics will include: • e-Solution case studies

• Web based Transaction Solutions • eProcurment Purchase to Pay technology • Purchasing Card & Commercial Card Payment Solutions • Corporate Card Travel & Entertainment and Fuel Card Programmes.

• Acquiring and Bureau Services • Pre-Paid Cards Rechargeable & Pre Loaded Card the alternative to cash

• e-Invoicing Solutions • Expense Management • Software Solution Providers Products & Services with the choice of front & back office software

• Electronic Payment Acceptance & Merchant Sign Up • Programmed Implementation, Service and Compliance issues

• Oracle and SAP Integration Software Solutions • Integration of P-Cards with e-Procurement systems Conference agenda bulletins will, as always, be issued via email at regular intervals to keep you up to date with the latest Conference news. Should you wish to receive regular email Conference bulletins please forward your contact details to: - info@purchasingcardnews.com page 13

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The Electronic & Card Payment Solutions Conference ‘The Information Exchange 2007

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Sponsored & Supported by:

Lancashire County Cricket Club, Old Trafford Thursday 8th November 2007

OGC Buying Solutions A General presentation on recent and future developments of Government Purchasing Cards and Government Merchant Acquiring. Kitchen Neil Neil.Kitchen@ogcbs.gsi.gov.uk PRESENTATION

MasterCard ‘onecard’ & Smart Data OnLine the ‘Solution of Choice’ Already successfully established in the UK Public Sector over the last two years with more than fifty five individual organisations now benefiting from the solution, MasterCard Smart Data OnLine with ‘onecard’ are fast becoming the Solution of Choice for Public Sector organisations. MasterCard’s competitive purchasing card proposition gives Public Sector Finance two major benefits. The first is the ability to combine purchasing card and travel transactions on a single card, ‘onecard', the second is MasterCard Smart Data OnLine the back office solution that comes at no extra cost when MasterCard 'onecard' is implemented. MasterCard Smart Data OnLine solution provides on-line management information, including detailed transaction data through standard and customised reporting, with expense claim processing capability. Smart Data’s ability to report the additional electronic ‘Level 3’ information where available, captured with each purchasing card transactions replaces the need for paper invoices for VAT purposes. Jean-Yves Neveu jeanyves_neveu@mastercard.com Laurent Vreven laurent_vreven@mastercard.com PRESENTATION / EXHIBITION STAND

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The Department for International Development and the Welsh Purchasing card The Solution of Choice This presentation will explain how the DFID have developed their programme using the WPC. As an integral part of the programme the card has been instrumental in streamlining purchasing at remote sites within the business around the world whilst still allowing central control of spending. The latest challenge facing DFID is the integration of their WPC with their newly implemented e-procurement system; a topical subject for many currently running or planning a P Card programme. John McGinn Alan Oram Alan.Oram@Wales.GSI.Gov.UK PRESENTATION / EXHIBITION STAND

Manchester City Council Back to the Future Purchasing Cards and SAP The UK’s largest Local Authority Purchase Card Programme, Manchester City Council (MCC) will be presenting how they have successfully integrated their Purchase Card Programme with SAP Some 2000 cardholders have access to on-line ordering via the Purchase Card catalogue and month end reconciliation on SAP Automatic cost allocation based on cardholder profiles with the ability to “move” costs at point of sale or re-allocate and split costs within SAP prior to posting to the General Ledger which enables MCC to continue to grow their programme. Back to the Future - Purchasing Cards and SAP Manchester City Council will be presenting an overview of how they have integrated their Purchase Card Programme into SAP. The presentation will cover life before SAP (the manual process) life with SAP (the current process), a warts and all look at how the current process operates with the issues that have been uncovered. What the future holds, one single process within SAP for ordering goods and services, automatic reconciliation

and costing for purchase card transactions, daily postings to the ledger and improved reporting. Paul Muir paulkmuir@hotmail.com PRESENTATION

MasterCard Pre-Paid Cards Rechargeable & Pre Loaded Card the alternative to cash. The solution provides a low-cost, attractive alternative to cash. Without a CVM or on-line authorisation the product is a fast, convenient cash replacement. It’s also an open solution using the existing MasterCard/Maestro infrastructure and EMV technology, so minimal additional investment is required to support it. The cardholder will have a fast, convenient alternative to cash and as it sits on a debit or credit card, it provides a single card for all payments. As a result, it will encourage increased card usage and promote increased card acceptance. Jean-Yves Neveu jeanyves_neveu@mastercard.com Laurent Vreven laurent_vreven@mastercard.com PRESENTATION / EXHIBITION STAND

Deecal International Ltd Web-based Application Service Web-based Application Service Working with the largest global Card Issuing Banks and Card Associations, Deecal is renowned for its special combination of Commercial Card domain knowledge and accounting experience. This unique acumen stretches across the entire D.Cal product range and is emphasised through industry-leading levels of attainable integration with Corporate General Ledger and ERP systems. D.Cal for Purchasing Cards is a centrally hosted web-based Application Service for Government and Corporate users of Purchasing Cards. Sonya Geelon SGeelon@deecal.com PRESENTATION / EXHIBITION STAND

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Paymetric

Adflex

JP Morgan

Integrating vs. Interfacing your P-Card Technology Solution: Is there a Difference?

Developing a PCI compliant VGIS/LID payment processing system

Pre Paid Cards - P-Card & T&E propostions

P-cards are recognised as a best-practice for reducing the cost of processing high-volume, low-value transactions.

Adflex are the UK’s top VGIS/LID card payment solutions provider.

Because the process is so much better than using petty cash or processing the paper invoice, many organisations fail to recognise the inefficiencies that exist with their existing technology solution. This session will discuss inefficiencies that might exist in technology solutions that merely interface with the ERP and how a truly integrated solution can not only address those issues but provide additional value to your program. Kathleen Nugent knugent@paymetric.com PRESENTATION / EXHIBITION STAND

Interactive Transaction Solutions Leading industry experts in independent, flexible transaction handling solutions Procurer Online, ITS’s web based Purchasing Card solution, which is capable of Mastercard, Visa and Amex Purchasing cards continues its market popularity. October saw the 1000th Streamline acquired merchant go live. Other acquirers include Lloyds TSB, HBOS, HSBC, BMS and AMEX. We are seeing a steady increase in the number of new Level 3 merchants and particularly those who want to accept more than one type of Purchasing card. ITS can provide multiple acquirer services to fulfil all market needs. Interactive Transaction Solutions (ITS) is one of Europe’s leading suppliers of payment related software and services. Established in 1990, we are pioneers in the fast expanding Purchasing Card market and provide a range of products to cater for the needs of businesses of all shapes and sizes. Uniquely, ITS offers a complete one-stop solution providing user interface applications and transaction handling systems that enable a seamless “payment to settlement” process. ITS is proud of its capability to cater for every level of activity, from small, paper based B2B transactions through to fully integrated, multi-merchant, multi-currency systems enabled for Levels 1, 2, 3 and VGIS (Visa Global Invoice Specification) data. We firmly believe that one size does not fit all and through a range of bespoke solutions and off-the-shelf products, we are successfully addressing a market searching for effective results. If you would like to learn more about us please visit our website by following the hyperlink below. www.InteractiveTS.com Sponsors of our complimentary drinks reception at the Old Trafford Lodge from 17:30hrs on Thursday 8th November. Steve Wilkins steve.wilkins@InteractiveTS.com PRESENTATION / EXHIBITION STAND

Offering a range of solutions from standalone VGIS/LID Virtual Payment Terminals through to a complete end to end integrated solution. Pat Bermingham patb@adflex.co.uk PRESENTATION / EXHIBITION STAND

Servebase Global Card Solutions

JPMorgan, one of the world’s largest card issuers, is now issuing commercial cards in the UK. Their Public Sector offerings include not only P-Card and T&E propositions with Smart Data Online (SDOL) but also innovative PrePaid solutions. For example they today operate a well-established benefits payments programme in the UK with more than 4 million accounts. Jim Wadsworth, EMEA head of product management at JPMorgan, will set out the bank’s approach to the UK and Europe, and share some fascinating case studies. Jim Wadsworth jim.m.wadsworth@jpmorgan.com

Developing a PCI compliant VGIS/LID payment processing system

PRESENTATION

Servebase Global Card Solutions provide card processing software products and services that support all card types including purchasing cards. Servebase card processing solutions include functionality for VGIS/LID and are fully scalable from a standalone terminal up to a fully integrated card processing solution.

BizAps

Our client base ranges from businesses that process a small number of transactions per day to call centres, local government offices and councils for purchasing card support, internet service providers, retailers, major hospitality organisations and airlines processing in some cases thousands of transactions per day. Servebase aims to bring flexible, reliable and affordable total software solutions to the card industry market place. Andrew Brooks Andy@servebase.com

HSBC

HSBC is a leading Global provider of Banking products and services. Our Commercial Card products are tailored to fit our customers and will complement any e-commerce and electronic payment solutions. The HSBC Corporate and Lodge Card provides a convenient and transparent method to expense incurers and regular travellers. We provide transactional data in a number of formats and work with all major software providers to fully integrate into General Ledgers and ERP Systems. Mike Skelcher mikeskelcher@hsbc.com EXHIBITION STAND

Our extensive experience and expertise lies in helping companies to optimise and automate end to end business processes through process 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. Conor Mullaney conor.mullaney@bizaps.net PRESENTATION / EXHIBITION STAND

Purchasing Card Case Studies

EXHIBITION STAND

HSBC Bank plc

BizAps is a leading SAP Products and Consultancy company and an SAP Packaged Service partner.

Swansea University Swansea College Two though provoking short presentations on exemplary WPC programmes in the Higher and Further Education Sectors in Wales that have achieved exciting growth in a relatively short space of time. Both speakers will cover some interesting aspects of their programme, dealing with the very real issues and concerns which needed to be addressed, how their expanded programmes are now perceived by stakeholders and reveal what remains to be done to maintain future growth. Rhidian Morgan Steve Griffiths PRESENTATION

Purchasing Card News, Castle Hill Farm, Castle Mill Lane, Ashley, Altrincham, Cheshire, WA15 0RB Tel: +44 (0)161 928 0485 Fax: +44 (0)161 928 1713

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ASSA ABLOY ITG’s Terminal approved for live trial of German Electronic Health Card OMNIKEY CardMan® e-Health 8751 LAN terminal tested in pharmacies and medical practices in Germany ASSA ABLOY Identification Technologies (ITG), one of the leading providers of products and services in the RFID market, has received approval for its new terminal OMNIKEY CardMan® e-Health 8751 LAN. The device has been certified by the “Gesellschaft für Telematikanwendungen der Gesundheitskarte mbH” (gematik) and is now being deployed in the broad-based live trial of the German Electronic Health Card. In phase 1, the so-called 10,000 test, users in pharmacies, medical practices and clinics are currently testing the components of the health project infrastructure, including the electronic health card and the terminal. The certificate from gematik for the OMNIKEY eHealth terminal already includes the support for the mandatory “Null-PIN” function (gematik SRQ 0558) which allows initial setting of a PIN for newly shipped health cards. The CardMan® 8751 is one of the first terminals with this certified feature. Based on a new thin client core, the terminal supports secure LAN access-to-terminal functions, a 16-key PIN pad with display and an HTTPS-based web interface

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for configuration. It will allow for secure firmware updates and provides multiple reader interfaces. The terminal has four contact and one contactless RFID reader interfaces. Currently it is the only device on the market with an integrated contactless reader which is able to support the currently discussed convenience signature (Komfort Signatur). This signature, enabled by an RFID token which has to be brought into close proximity of the reader, would allow the health care professional to replace time-consuming PIN-entry based signatures with a simple token based action. As a result, workflows including signatures would be much faster and more convenient in particular for repetitive tasks such as the necessary signing of each item on a prescription. The certified product is a working prototype, with the final product scheduled for the official start of the new e-health environment in Q3 2008. Although currently focusing on the German e-health project, this LAN connected terminal is the first device of a completely new product group that is also suitable for other countries´ health projects as well as completely different applications yet to come beyond the e-health realm. By the time of the official start in Germany, the terminal will be fully complying with all relevant industry standards in the well-known quality of OMNIKEY products and will help to improve the overall quality in the healthcare industry.

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MasterCard® PayPass™ Extends Leadership Position in Europe with First Pilot in Italy Consumers and retailers to benefit from time savings and reduced risks of cashhandling MasterCard Worldwide today further extended itsleadership in contactless payments in Europe with the announcement of the first MasterCard® PayPass™ pilot programme in Italy, in partnership with Poste Italiane – business unit Banco Posta. By the end of 2007, Poste Italiane will launch a six to eight month pilot with its new cardholders, who will be offered a prepaid card with MasterCard PayPass technology: the PostePay Evolution MasterCard card. The prepaid card will be available for purchase and use at retailers in Milan and Rome in a variety of retail categories, including cinemas, fast food and chain restaurants, supermarkets and other shops. Using MasterCard PayPass, consumers will be able to simply tap their new Poste Italiane MasterCard card on a PayPass reader to make a purchase at all participating retailers. This innovative and market-leading Tap & Go™ technology, which is being rolled out in many markets across Europe by MasterCard, allows small value purchases under ?25 to be completed quickly, securely and easily, with no need for consumers to fumble for cash and coins, enter a PIN or sign a receipt. For added security, larger purchases may require a PIN or signature. As experienced by other retailers across Europe merchants in Italy will benefit from a reduced need to handle cash, in addition to the significant time-saving benefits associated with MasterCard PayPass technology. Marco Siracusano, Marketing Director of Poste Italiane – business unit Banco Posta said: “Our common challenge is to widen the use of contactless technology and to make consumers more aware of the concrete benefits of Tap & Go™. MasterCard is an important partner in our joint ‘war on cash’. Facilitating the use of electronic cards will contribute to the further growth and development of the Italian economy”. Cathleen Conforti, Senior Vice President of Global PayPass, MasterCard Worldwide, said: "Our intention to launch the first contactless payments pilot in Italy with Poste Italiane is another important landmark on our journey to replace cumbersome cash with the speed,

convenience and security of MasterCard PayPass across Europe”. “Italy is an important market for MasterCard and we are pleased to be able to offer our cardholders a highly innovative payments solution that is already making consumers’ lives easier in other parts of Europe.” Gaetano Carboni, Head of Key Accounts for MasterCard Europe, said: “MasterCard PayPass aims to provide consumers with a new and innovative alternative to cash that simplifies purchases for consumers and retailers. Italy is the European market with the highest percentage of cash transactions. Our partnership with Poste Italiane represents a significant opportunity to place a stake in the ground and lead the contactless payments sector in Italy, as we have done in markets across Europe.” The new development follows the launch of several MasterCard PayPass programmes and pilots across Europe, beginning in June 2006 with the region's first MasterCard PayPass credit programme, which was launched with Garanti Bank and major retailers in Turkey. Most recently, MasterCard announced the forthcoming launch of a major PayPass pilot in Spain with Caja Madrid and more than 200 retailers. As of Q1 2007, there are more than 14 million MasterCard PayPass cards and devices in the market that are accepted at more than 51,000 merchant locations globally, including McDonald's, Starbucks, 7 Eleven, CVS, Duane Reade, Sheetz and Regal Entertainment Group. Interest in PayPass has not been limited to retail establishments. The technology has proved popular in sports facilities and MasterCard PayPass is now accepted in many Major League Baseball and National Football League stadiums, as well as at numerous golf events. For more information about MasterCard PayPass, visit www.mastercard.com/paypass.

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Wal-Mart selects SSH Tectia Solution to Secure Data-in-Transit Wal-Mart Stores, Inc. and SSH Communications Security, a leading global provider of secure file-transfer and endto-end communications security solutions for the enterprise, today announced that Wal-Mart has selected the SSH TectiaÂŽ solution to enable secure remote access and secure end-to-end data file transfer throughout the retail leader's extensive global computing network. The SSH Tectia client/server solution secures sensitive company data-in-transit, delivering strong robust encryption, support for heterogeneous computing platforms and multiple authentication technologies, along with enhanced SFTP (Secure File Transfer Protocol) capabilities. SSH Tectia provides an ideal alternative to prohibit unsecured file transfers and Telnet sessions. Wal-Mart also selected SSH Tectia Manager, a comprehensive communications security management platform, to manage the enterprise-wide SSH Tectia security solution. SSH Tectia Manager enables powerful pre-configuration, deployment, and maintenance operations on an enterprise-wide scale, and performs auditing functions to help maintain regulatory compliance in a cost-effective manner. "With the size and complexity of our environment, it was important to find a solution that could be utilized on all platforms," said Kerry Kilker, Wal-Mart vice president of information security. "The centralized management of SSH Tectia Manager will enable us to quickly deploy, easily maintain and simplify configuration management in our environment. That is where we expect to see the most return on investment with this technology." "SSH Tectia is the best-of-breed solution for securing file transfers and data-in-transit end-to-end in large heterogeneous enterprise networks," said George page 20

Adams, president and CEO, SSH Communications Security, Inc. "SSH Tectia provides the strongest level of enterprise security for low overall costs, which complements Wal-Mart's highly effective business model. We are very pleased that Wal-Mart has chosen SSH Tectia after rigorous testing, to secure sensitive company information, while using Tectia's architecture and central management to meet their growing needs, today and in the future." SSH Tectia is the leading end-to-end communications security solution for the enterprise. The SSH Tectia solution is based on the SSH Secure Shell and SSH's other industry-leading technologies used by millions worldwide. SSH Tectia enables secure system administration, secure file transfer and secure application connectivity with centralized management throughout the internal and external network. SSH Tectia products provide transparent, strong encryption and authentication, and are available for all key enterprise platforms including Windows, UNIX, Linux, and mainframes to easily integrate into heterogeneous network environments. SSH Communications Security is a world-leading provider of enterprise security solutions and end-to-end communications security, and the original developer of the Secure Shell protocol. The company's SSH Tectia solution addresses the most critical needs of large enterprises, financial institutions, and government agencies. With SSH Tectia, organizations can costeffectively secure their system administration, file transfers and application connectivity against both internal and external security risks. As the original developer of the Secure Shell protocol and other key network security technologies, SSH has for 12 years developed end-to-end communications security solutions specifically for the enterprise. Currently more than 100 of Global Fortune 500 companies are using SSH security solutions. SSH shares are quoted on the Helsinki Exchanges.

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American Express and Starcite team up to offer companies innovative meetings management solution Co-branded Solution to Help Firms Reach New Levels of Visibility, Control and Savings on a Global Platform American Express and StarCite, the largest on-demand global meetings management company, today announced they are teaming up to offer an innovative web solution, customised to help joint American Express Global Commercial Card and StarCite clients drive greater savings from online meetings management. The two companies are creating a global solution that marries StarCite’s e-sourcing and planning tools with American Express’ expertise in paying for, reconciling, and analysing meetings spend. According to PhoCusWright, as many as 60% of corporate meetings will be booked online by 2008. As a result, online meetings management is a fast-growing business practice. “We’re creating a truly global one-stop shop for meetings management that seamlessly connects the front-end and back-end processes around meetings, adding significantly to the benefits of the Corporate Meeting Card,” said Cecile Quaedackers, Vice President and General Manager, Global Client Group Europe, Global Commercial Card, American Express. “We've made a number of enhancements to our Corporate Meeting Card in the past few months that dramatically enhance the customer experience. This new co-branded solution will open up a new window on total meeting spend for our Global Commercial Card customers. In turn, this will assist them in controlling spend and improving their buying clout with suppliers.” “Though meetings and events are a major corporate expense, they remain a largely untouched area for spend management, providing companies with an opportunity to realise savings of up to 20% [1] through a more strategic approach,” said Pieter Rieder, Senior Vice President, EMEA for StarCite. “Our joint offering with American Express will make it easier than ever for businesses to achieve the savings and efficiency benefits of strategic meetings management by making an integrated solution – from sourcing and planning to payment and reconciliation – available for the first time.” In the first version of the co-branded solution, American Express and StarCite will introduce functionality to help companies reduce labour and costs related to back-office

administration of meetings expenditures. American Express Global Commercial Card spend data will be automatically uploaded to the co-branded solution, allowing firms to more easily and efficiently reconcile actual expenditures with corporate budget line items. The following features will be offered as part of the co-branded solution exclusively for American Express Global Commercial Card clients:

powerful capture of meeting spend data, • More including information that breaks out expenditure by multiple categories, such as catering, sleeping rooms, audiovisual and conference room rental charges. Reporting generated from meetings spend data will give Commercial Card clients new and more comprehensive insight into their spend. Once meetings spend data is migrated to the American Express @ Work Web-based reporting tool, corporate meetings managers and planners can create detailed reports that provide consolidated and customised views of spend - data that can be used to more closely track employee compliance, as well as to improve future negotiations with hotels.

transaction investigation. The integrated • Online solution will offer meeting planners the ability to resolve any issues with questionable charges via direct emails to suppliers.

exclusive • Powerful sourcing capabilities, withThe co-branded hotel offers from American Express.

solution will also feature StarCite’s web-based Global Meeting Marketplace for meetings services, such as hotel space, food and beverage services and ground transportation. This Marketplace links buyers with StarCite’s nearly 100,000 properties and meeting suppliers in key markets around the world. In addition, companies will be able to take advantage of exclusive American Express hotel offers for their meetings spend through the Meetings Exclusives programme. American Express and StarCite will introduce the new solution to a select group of large and global corporations beginning this winter and will implement broadly early next year.

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Royal Bank of Scotland Group and MasterCard join forces for London roll-out of contactless debit and credit cards To coincide with the announcement by APACS that the UK banking industry is gearing up for the launch of contactless payments in the UK, Royal Bank of Scotland Group (RBS) and MasterCard Worldwide announce the results of the first live trials of ‘Tap & Go’ payments in Europe. The first of two trials of contactless payments in the UK began in June 2006 and is taking place at RBS’s headquarters in Edinburgh. It involves 11 retailers located in the Bank’s flagship site including coffee shops, pharmacy, florist and a hairdressers. The second trial is taking place in the staff restaurant at one of its London offices. Some 1,500 staff volunteered to take part, paying for everyday, low value items (under £10) using their Maestro PayPass™ debit and MasterCard PayPass™ credit cards. Both trials are still ongoing.

London has shown us that consumers love the convenience, simplicity and security of being able to ‘Tap & Go’ when paying for everyday things such as newspapers, sandwiches and drinks. “MasterCard is delighted to be behind the delivery of contactless payments in the United Kingdom as we are already the global leader in this new way to pay. Around the world we have issued over 14 million MasterCard PayPass cards and devices that can be used in some 51,000 retail outlets. We are confident that consumers in the United Kingdom will be quick to adopt contactless payments as they are faster and more convenient than cash increasing both the number of cards in issue and, as retailers benefit too, places where they can be used.” Following the positive feedback received from both staff and retailers, RBS is now working with MasterCard and the UK card payments industry towards the first phase of the public rollout in London in the autumn. RBS, NatWest, MINT and Ulster Bank will issue several hundred thousand contactless payment cards, both debit and credit, during the London launch of the rollout to those customers who live in the roll-out zone. These cards will retain the existing chip and pin and magnetic stripe functionality.

Feedback from RBS employees has been extremely positive with participants able to make swift purchases by simply tapping their PayPass-enabled card on a specially equipped terminal at the till, eliminating the need to handle cash or coins, hand their card over to a clerk, or swipe a card. Over 40,000 transactions have been made with contactless cards so far during the trial and RBS employees who use a contractless card are really impressed with its convenience. David Streett who works in RBS Retail Market Support in London says: “The card is really easy to use and it means I don’t have to worry about going to the ATM or having enough change in my pocket to pay for my lunch.” Lisa Roberts, who works in RBS Business Development also in London added: “The contactless card is much quicker than paying with cash and I don't have to carry so much change.” David Rockliff, Head of Business Development, Cards and Direct Finance, RBS comments: “RBS undertook the first trial of contactless cards in Europe, we have been using them in shops and cafes based in our headquarters in Scotland and in our London office since June 2006. Research amongst our employees reveals that nearly three quarters say it is better and faster than paying with cash and 86% say it is more convenient than paying with Chip and PIN. “Our practical experience with contactless cards from both the UK and the USA means that we are confident that customers and retailers will quickly take to the speed and convenience that they offer for making small purchases.” John Bushby, Country Manager, MasterCard UK comments: “Our experience testing MasterCard PayPass and Maestro PayPass among staff at Royal Bank of Scotland’s offices in Edinburgh and page 22

The London Launch area covers the London Corridor, north and south of the Thames, running from Waterloo to Canary Wharf. This includes the following postcodes - EC2, EC3, EC4, E1, E14, SE1 and SE16. RBS Contacts: Morag Fleming, RBS – 0207 672 1817 / 07824 319162 morag.fleming@rbs.co.uk Anita Ballantyne, RBS – 0207 672 1936 / 0788 565289 anita.ballantyne@rbs.co.uk

Background on MasterCard PayPass and Maestro PayPass MasterCard PayPass and Maestro PayPass are ideal for traditional cashheavy environments where speed is essential Maestro PayPass uses innovative contactless technology and offers a genuine alternative to cash for low value payments of up to £10. It is expected to play a role in reducing the heavy reliance on cash in Europe during the next decade. MasterCard has led the way in bringing contactless technology to consumer categories such as quick serve restaurants, drug stores, gas stations, vending machines, taxis, convenience stores, sports arenas, movie theaters, transit systems and parking garages in 15 different countries, including the U.S. and the U.K. There are more than 14 million PayPass cards and devices in the market, and PayPass is currently accepted globally at more than 51,000 merchant locations.

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Advanced Payment Solutions’ cashplus reaches £100 million turnover dvanced Payment Solutions (APS), the UK’s leading provider of prepaid card programmes, today announces over £100 million has been topped up onto its multi-award winning cashplus prepaid MasterCard cards.

Cashplus cards, which are issued by Broadcastle Bank Ltd, have the characteristics of a pre pay credit card, without the credit facility. Launched by Advanced Payment Solutions in September 2005, the Cashplus card is a pay-as-you-go, personalised Chip and PIN MasterCard card with access to an online account management website and SMS banking services via mobile phones. The surge towards the £100m milestone is due in part to APS’ roll out of successful white label partnerships with leaders in the retail, travel and financial services sectors. Within an 18 month period APS has won over 60 contracts to provide general purpose, financial services, money services, travel, internet, payroll, corporate expenses and debt management applications. Savvy businesses see prepaid cards as a great way to generate an alternative revenue stream from their customers by earning commission from the card sale or usage fees, or both, depending on the financial characteristics of the programme. However, the real star of the application for cashplus partners is the priceless insight the spending data provides into the wider purchase habits of their own customers. With companies now increasingly building brand empires embracing a range of product and service categories such as retail, travel, technology and entertainment, it appears the broad ranging purchase habits of your customers can lead you directly to what should be next, and how it should be segmented and priced.

Rich Wagner, Chief Executive of Advanced Payment Solutions, comments: “Our strategy has been to partner with market leaders and deliver focussed solutions that generate ongoing revenue. We’re a technology led company with a proven track record having won national and pan European awards for innovation, product development, and critically, customer servicing. “The prepaid card model lives and dies by ongoing customer use of the product. Pumping huge numbers of unused cards into the market place is a useless exercise for the companies involved, their brand partners and, sadly, the customer as well. Nobody wins. We are fortunate to have the experience to create and then replicate living, breathing portfolios which continue to generate value for our clients and cardholders month on month,” he says. APS can roll out its Cashplus platform for partners within weeks and is now successfully serving the needs of international travellers, online shoppers, the unbanked and new immigrants as well as mainstream UK households looking for a secure, flexible and debt free financial product. Partners can launch a co-branded version of the cashplus card or design their own programme. APS handles all fulfilment, customer care, fraud protection, regulatory support and financial servicing so that the customer can focus on their core business strategies. Prepaid cards are popular with consumers wanting the utility of a credit or debit card with the choice not to link their spending to a bank account As there is no credit facility, there is no need for a credit check, increasing consumer’s access to prepaid cards and enabling cardholders to choose the payment card that meets their needs.

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American Express unveil first fully integrated electronic invoicing and settlement solution for corporations American Express unveil’s S2S eInvoice&Pay, the first fully integrated Electronic Invoice Presentment and Payment (EIPP) solution. With S2S eInvoice&Pay, companies can now process 100% of their invoices and issue payments to their suppliers from a single online portal managed by American Express. S2S eInvoice&Pay combines cutting-edge technology by Harbor Payments, now part of American Express, and industry-leading payment and service capabilities In response to rising corporate demand to reduce paper and gain greater savings and efficiencies in their accounts payable processes, American Express has begun offering S2S eInvoice&Pay to corporate customers in the US. “Many of our clients are looking for an automated and efficient way to handle invoices and manage payments to suppliers,” said Gordon Smith, President of American Express Global Commercial Card. “Having taken steps to move their ordering online, these companies now realize that they are still mired in paperwork on the backend: routing paper invoices and sending paper checks. They are turning to American Express as the leader in the commercial card space to help them take the next big step in transforming their payment process.” Nestlé USA, a leading food company and a longstanding American Express commercial card client, will begin implementing the S2S eInvoice&Pay solution in its supply chain next month. Since adopting electronic invoicing and payment for its 18,000 North American vendors in 2002, Latrobe, PA-based Kennametal Inc., a global supplier of industrial tooling, engineered components and advanced materials, has realized a number of benefits. It has slashed processing costs by two-thirds, cut payment costs by converting 58% of vendors to electronic payment and increased speed of pay to suppliers by 30%. Kennametal uses technology from Harbor Payments, which American Express acquired last December. “Our main focus has been to take all the paper out of Kennametal’s accounts payables processing – to see all our invoices in one electronic format,” said Dean Hoffman, Manager, Customer/ Vendor Support Services, who noted that, as result of automated invoice review and dispute, Kennametal has re-assigned AP personnel to more strategic tasks, such as vendor negotiations. “They’re not just doing invoice exception processing anymore.”

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Lower Cost, Greater Control, Improved Supplier Relationships Research by Boston-based Celent, LLC, estimates that US business-to-business transactions amount to approximately $36 Trillion annually, with 73% of those transactions still paid by check. Celent also estimates that automation can reduce invoice processing costs for buyers by as much as 92%, while electronic settlement can slash payment costs by up to 86%. Providing expertise in expense management, payment processing and Electronic Invoice Presentment & Payment (EIPP) technology, American Express can help buyers reap the full benefits of an automated supply chain by lowering processing costs, reducing invoice approval cycle time, and improving cash management. Suppliers can also benefit by gaining greater visibility into the buyer approval process, and lowering billing costs with online inquiries and dispute resolution. S2S eInvoice&Pay Features To help companies expand the benefits of e-procurement to their supply chain, features of S2S eInvoice&Pay include:

· · · · · ·

Electronic capture of 100% of invoices Straight-through electronic processing from Purchase Order to payment for users of electronic procurement and the American Express® Corporate Purchasing Card (CPC) A large and fast-growing e-invoice enabled supplier networks, plus a dedicated enrollment team to provide service and support Reduced invoice exceptions and faster pay via automated review and dispute resolution Multiple payment options (including the American Express Corporate Purchasing Card and ACH) Compatibility with all ERP systems, plus advanced SAP connectivity

For more information about eInvoice&Pay, access www.americanexpress.com/s2s S2S eInvoice&Pay is the first in a suite of solutions to help companies optimise their supply chain from source to settle. In the coming months, American Express will unveil other products in the S2S product suite, addressing the areas of sourcing and ordering.

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Prepaid MasterCard gift card programme rolls out to UK-wide designer outlets Raphaels Bank, a leading Bank in the development of pre-paid cards for the retail sector, is working with Gift Card experts, StoreFinancial, to create a pre-paid MasterCard gift card for a number of designer outlets in the UK. The gift card programme has been created by StoreFinancial and Raphaels Bank for a number of MacArthur Glen Designer Outlets around the UK. Giving customers the opportunity to purchase a gift card, which can then be used in every outlet within the shopping centre, each individual gift card has a maximum single load value of up to £500. Now available from MacArthur Glen Designer Outlets in York, Livingston, Cheshire Oaks, Ashford, East Midlands, Bridgend, Swindon and Telford, the cards can be purchased from each Centre’s information desk. Raphaels Bank is responsible for issuing the single load store card for each Designer Outlet involved in the programme and is accountable to MasterCard and the FSA for all aspects of the scheme. Raphaels also provides accounts to hold the customer balances as well as facilitating daily settlements of card transactions with MasterCard. Mike Smith, Group Director of Marketing and Strategy at Raphaels Bank said: “This innovative programme gives recipients of the shopping centre gift card a world of choice under one roof rather than in a single shop. It is the ideal solution for gift vouchers and demonstrates Raphaels Bank’s considerable expertise in this field. McArthur Glen represents the first of many launches to create an entire UK portfolio.” Stuart Green, Commercial Director at StoreFinancial said: “StoreFinancial has had a great deal of success with programmes like these in Canada and the USA. We’re confident that our card programmes provide the market leading solution to shopping centres, shopping associations, towns and retailers across the UK and we’re predicting explosive growth in this market this year. We’re delighted to be working with Raphaels Bank - they’ve shown first class speed, flexibility and commitment to get us up and running on these programmes.” page 25

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The Solution of The Welsh Purchasing Card (WPC) was introduced for Wales by Value Wales Procurement four years ago as a means of allowing all public sector organisations to have access to procurement cards under GPC terms. WPC has now reached a point where more than 60% of the 100+ organisations originally identified as potential adopters now have a programme in being. Indeed in some sectors such as Local Authority and Higher Education uptake is over 75% and growing. Alan Oram, card programme manager at Value Wales Procurement, explains how the WPC programme has developed and looks at the reasons why the Royal Bank of Scotland (RBS) ‘onecard’ purchasing card solution and the MasterCard ‘Smart Data OnLine’ system, in particular, is proving so popular with Welsh local authorities. Born out of the Welsh Assembly Government’s vision for improving the delivery of public services, Value Wales Procurement was created to help the Welsh public sector improve the efficiency of procurement and tasked with helping them to achieve cost savings of £120 million per annum by 2008.

To achieve this target, Value Wales Procurement works in four major programme areas; Collaborative Procurement, Operational Procurement Policy, e-Procurement and Sustainable Procurement. One of the key initiatives implemented, as part of the e-Procurement activity is the WPC programme. This purchasing card scheme was page 26

introduced four years ago to help all public sector bodies in Wales streamline and improve the efficiency of the procurement process for low risk goods and services with the potential to achieve significant cost savings. An added benefit often provided with card usage is the speeding up of the acquisition process, especially for those who are responsible for the delivery of front line services such as maintenance operatives who are able to procure the materials they need in far quicker timescales with WPC.

Streamlining Procurement Value Wales Procurement recognised that the time and processes required to pay each invoice under the conventional pay-to-purchase system was generating a huge expense for public sector organisations in Wales. Value Wales Procurement launched the WPC programme to provide the Welsh public sector with an alternative to the purchase-to-pay process, which was designed to deliver significant cost savings by removing the need for purchase orders and processing of invoices from procurement, wherever possible. Central to the success of the WPC has been Value Wales Procurement’s uniquely strong dual focus on growing both the user and supplier acceptance sides of the card equation, which has increasingly enhanced its appeal with organisations. For example, whilst the programme was initially only used for low-value, high-volume transactions, such as purchasing consumables or office supplies, as the supplier network has grown, the card is now used to procure higher value items over a diverse range of commodities and services, such as tarmac and stone for highways maintenance and even vehicles. In addition to working with the acquiring banks to expand the number of suppliers involved in the WPC initiative, Value Wales Procurement also continually works closely with users to ensure they are familiar with the full capabilities of purchasing cards and are utilising the card efficiently and maximising its benefits. Local supplier recruitment plays and important part in the drive for greater card acceptance; indeed it is key to the expansion of card programmes for many WPC users as the relative remoteness of many parts of Wales limits the choice of suppliers readily to hand. Value Wales Procurement’s strong focus on driving the WPC programme forward and promoting throughout Wales this approach to procurement has ensured the success of the initiative to date. For example 17 out of 22 top tier Local Authorities and 8 out of 12 Higher Education establishments have chosen the Welsh Purchasing Card. Indeed, there are very few areas of the Welsh public sector that WPC

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Choice for Wales has yet to reach now that most of the Welsh Assembly Government Sponsored Bodies (the equivalent of UK NDPBs) run a card programme.

Popular Choice The purchasing card provided by Value Wales Procurement’s WPC initiative is provided under agreement from the Royal Bank of Scotland, and allows for both purchasing and travel transactions with the one card. Organisations in Wales looking to adopt the scheme have the option of the VISA or MasterCard product. Notably, all the new programmes in Wales that have adopted the WPC over the past three years have specifically chosen the RBS MasterCard onecard solution and most of the original programmes that commenced on the Visa platform have now switched over to the MasterCard one. Undoubtedly the key reason for the popularity of the MasterCard option is its Smart Data OnLine service, which provides the users with 24/7 on-line access to all transactions for complete security, as well as an efficient and effective means of managing all aspects of card usage outside of a paper-chase process! This provides detailed transaction information that can be delivered through both standard and customised reporting. The system also has the capability to process independent expense claims should this be required. A distinct advantage of Smart Data OnLine is that it is specifically configured to the requirements of each user organisation thus allowing them to create their own review/authorisation workflow, account coding capability and data file exports suitable for loading into local accounting systems. Management of cards, eg, changing limits or MCG blocking, can also be easily undertaken through Smart Data OnLine. In addition, the RBS MasterCard onecard solution is able to report any additional electronic information that is provided by suppliers when processing purchasing card transactions, which may by as Summary (Level 2) or Line Item Detail (Level 3) and replaces a paper invoice for VAT purposes. The system is accredited to HM Revenue & Customs for VAT recording/reporting and contains a suit of standard reports for this purpose. Importantly, the RBS Mastercard onecard system and the Smart Data OnLine service enables users in Wales to streamline and modernise purchasing by not only reducing the number of invoices to be processed, but by also enabling transactions to be visible, easily monitored and verified at any time. As a result, organisations have added protection from misuse of the card by staff, are safeguarded against over-charging by suppliers and are able to ensure that, where

applicable, only contracted goods are purchased using the system. In addition to the added value benefits offered by the WPC scheme, in terms of tangible cost savings, the National Audit Office support an average saving figure for card use of £28 per transaction over the cost of conventional purchase-to-pay processes.

Significant Savings Since the WPC system was introduced in 2003, it has generated an estimated overall process cost saving of £8 million (based on NAO figure) for public sector organisations in Wales and the Welsh Assembly Government recognises that the more it is used, the more savings this efficient procurement method will deliver. In 2006/2007, purchasing cards were used to make £21 million worth of transactions. In 20072008, Value Wales Procurement predicts that this figure is set to rise to over £30 million. This growth not only demonstrates the popularity of the system for all public sectors in Wales and their suppliers, but, importantly, represents a considerable overall cost saving for the public sector in Wales. Value Wales Procurement is committed to facilitating the increased use of the WPC through a dedicated, on-going campaign to grow the supplier network and increase the benefits of the card purchasing programme. Promotion in new target areas, such as District and Rural Councils, are underway and initiatives to aid expansion of existing programmes are being set up. As a result, Value Wales Procurement is working to achieve a year on year doubling of both the number of programmes and the turnover on card spend for the immediate future This will not only deliver considerable cost savings, but, ultimately, improve the efficiency of public services across the country. For further information please contact : alan.oram@wales.gsi.gov.uk

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JARGON BUSTERS We have put together a jargon buster to help you come to grips with the most commonly used terms, acronyms and abbreviations for transaction processing and e-commerce. Acquirer or acquiring bank

Customer Reference Code (CRC)

Low Value Goods (LVG)

The bank where a merchant has an account to process transactions and credit payments

AVS Address Verifications Service

VAT capable suppliers can input a CRC at the Point of Sale up to a maximum of 16 digits being alpha or numeric. An example would be a job costing number.

Typical commodities bought using a Purchasing Card would be LVG (eg: stationery).

Fraud-prevention mechanic that verifies a customer address against a card

Daily Transaction File (DTF)

AVV/CID The American Express equivalent of AVS & CVC2

BIN The bank identification number with the card schemes

Card Validation Code 2 (CVC2). Fraud-prevention mechanisms initiated by MasterCard and Visa to protect merchants. These codes are the three digits on the back of a MasterCard or Visa card that follow the cardholder's credit card number—they offer Mail Order and Internet merchants additional security by helping to identify a cardholder in a CNP transaction.

CCS Cardholder Currency Selection The Servebase enablement functionality for Dynamic Currency Conversion (DCC) through various providers

Chargeback Is a practice in which the bank that issues the credit card returns a customer's disputed transaction to the merchant—via the merchant's acquirer—for resolution.

CNP Cardholder Not Present For example, Mail order or Internet transaction processing

Management Information (MI) The transaction file that includes all of your Purchasing Card spend for the previous 48 hours.

DCC Dynamic Currency Conversion A foreign exchange mechanism provided by banks and third parties that gives a cardholder an option to pay either in the merchant’s local currency or their home currency at the point of sale

Merchant Category Groups (MCG) VISA specified groups for categorising types of spend (eg: airlines, cash advance). Approximately 35 groups

MID

Government Procurement Card (GPC)

Point of Sale (POS)

Same as a VPC but specifically aimed at Government Agencies and Bodies.

Terminal at supplier through which the transaction is processed.

Level 1 Supplier

PSP

VISA Capable Suppliers (accept Purchasing Cards but are non-VAT enabled otherwise referred to as NVE supplier).

Payment Service Provider

Level 2 Supplier VAT Capable Suppliers (accept Purchasing Cards and provide the facility for a customer reference code and summarised VAT total).

The Merchant Identification Number with the bank acquirer.

SDOL MasterCard Smart Data OnLine solution provides back office management information and works in conjunction with MasterCard ‘onecard’ combining purchasing card and travel transaction functionality on a single card.

Level 3 Supplier

Cost Allocation Codes (CAC)

LID Line Item Detail

Applying internal cost coding to each Purchasing Card Cardholder (eg: cost centre number, department number or budget number).

The auxiliary data attached to a purchase card transaction to qualify for VAT certification in place of an invoice (UK).

Line Item Detail (LID) American Express Corporate Purchase Card – effectively the Amex version of VISA & MasterCard Purchase Cards

VISA specified codes for categorising vendors (eg: stationery). Approximately 250 codes.

A mandatory requirement from card Schemes to distinguish transactions generated through the Internet

VISA specified codes for categorising the actual commodity (eg: nuts and bolts). Approximately 300codes.

CPC

Merchant Category Codes (MCC)

ECI Electronic Commerce Indicator

VAT Capable Supplier with Line Item Detail (accept Purchasing Cards as VAT capable suppliers but in addition they will provide Line Item Detail descriptions for the goods / services provided with individual VAT amounts).

Commodity Codes (CC)

Reports and expenditure analysis for monitoring your purchasing card spend.

Suppliers with LID capabilities have software installed at their premises that will provide an individual line of detail for every commodity purchased.

SPA/UCAF The Mastercard equivalent of VbV (Now also known as MasterCard SecureCode)

Value Added Tax (VAT) Tax that is added to each commodity at the appropriate rate depending on the commodity purchased.

VbV “Verified by Visa” A methodology introduced by the Card Scheme and Banks to provide an additional, secure cardholder verification process prior to an Internet transaction proceeding.

VGIS Visa Global Invoice Specification.

Visa Purchasing Card (VPC) page 28

Charge card commonly used for low value, high volumetransactions.

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“Why Purchasing Cards? ” What is a Purchasing Card?

Supplier’s considerations

A credit card that is used to purchase goods or services. When used, the gross, net and vat values are captured which negates the need for invoices and provides evidence for vat.

Before embarking on becoming purchasing card capable, the supplier needs to consider 3 key factors.

Why Purchasing Card? Purchasing card is the most cost effective process for purchase to payment that currently exists. The supplier needs to understand why their customer wants to use it, and the benefits available to both parties. We know that traditional procurement methods can be cumbersome, inefficient and expensive to manage. It has been estimated that to purchase an item valued at £5 can cost some organisations over £50 because of the time and people involved to raise an order, get it approved, get it signed off, be purchased and taken through the accounts process. The item bought with a purchasing card makes a huge saving in time, process and people involved. The person making the purchase, the cardholder, has a direct relationship with the supplier. They can discuss the item, size, colour, quantity, delivery date etc. rather than just the impersonal purchase order which does not allow for variation in size, colour, quantity. Large organisations could have numerous buyers, several of them buying stationery from several stationery suppliers. Through management information, they can select a single preferred supplier and put all their orders through just one. Probably earning bigger discounts, certainly reducing the administrative and accounting issues. The organisation, public or private, introduces a purchasing card scheme using either the Mastercard ‘onecard’, Visa or American Express cards. Cards are issued to the very people who need to buy or pay for things. The company can introduce strict budget control by card, cardholder, category of goods, by week or by month. It also gives very valuable management information on how their business is running. To have a successful purchasing card scheme, it is essential that they recruit suppliers who are purchasing card capable.

What does it mean to the supplier? There are now so many local authorities, health authorities, schools, hospitals and private corporates using purchasing card, that any supplier not capable is risking losing business opportunities to their competitors. Often one of the first questions asked on a tender is ‘Are you Purchasing Card capable’? It is true that the supplier will have to invest in a system to become capable. There are benefits, not just to the buyer, but to the supplier as well. Every transaction is authorised.

• • • • • •

No more waiting for 30 or more days to get paid for goods or services. Payment is made automatically in 3 to 4 working days. No more chasing payment, a real saving in admin and accounts HMRC approved providing evidence of VAT Direct relationship between end user (buyer) and supplier. Potential to attract new business through purchasing card capability.

• • •

Does the potential level of business merit investment in a system Which Purchasing card scheme is their customer going to use. What level of information does the customer require.

It is critical to find these things out in advance of making any decisions. The answers will shape all future decisions. There are 3 typical levels of card information. Level 1 – standard credit debit card. Captures minimal information. Level 2 – Summary Vat. Captures, gross, net, vat, commodity codes. Level 3 – Full line item detail. If the cardholder only requires level 2 purchasing card, then it is possible to conduct the transaction on a modified credit card terminal. However, if the cardholder requires level 3, then a PC, Web based or integrated solution is required. The supplier should note that if they can do level 3, they can automatically do level 2 and 1, but not the reverse. Those suppliers who carry out a high volume of transactions may want a system that is directly linked to their sales order processing system. Purchasing cards are almost 95% cardholder not present with the transaction being carried out via telephone, fax or email. Yet in some cases, there will be a cardholder present, at a trade counter for example, so the supplier needs to consider chip and pin technology. There are costs in systems and time associated with any choice. The supplier must work with the customer to determine what information is needed, and what it means to the suppliers business process by introducing new methods. If the supplier already accepts credit/debit cards, then it should only be a case of discussing the new requirement with his bank. If the supplier is new to credit/debit cards, then they need one of the main UK acquiring banks to sign them up. The good news is that most banks are now working closely with major customers to assist with supplier recruitment. There are excellent forums, workshops, and industry opportunities which can provide unbiased information in helping the supplier determine the right decision for their business.

Steve Wilkins HEAD OF OPERATIONS, ITS

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MasterCard’s UK Public Sector Proposition Regional Presentations Already successfully established in the UK Public Sector over the last two years with more than fifty-five individual organisations now benefiting from the solution, MasterCard Smart Data OnLine with ‘onecard’ and now Pre Pay Cards are fast becoming the Solution of Choice for Public Sector organisations.

To give the broader Public Sector organisations the opportunity to appreciate the cost saving benefits the MasterCard solution can provide, for the purchasing and payment functions, MasterCard have arranged a series of regional presentations in 2008 at convenient venues throughout the county. At each of the day events, the presentations will be hosted by industry professionals from within the Public Sector regarded by the industry as the experts in their field. They possess hands on knowledge and experience of Smart Data OnLine, programme implementation, supplier recruitment and the back office transaction processing software associated with the running of a successful electronic and Purchasing Card programme.

MasterCard UK Public Sector Proposition. Smart Data OnLine & ‘onecard’ ‘The Solution of Choice’ MasterCard’s competitive Public Sector Purchasing Card proposition gives UK Public Sector Finance two major benefits.

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The first is the ability to combine purchasing card and travel transactions on a single card, ‘onecard’, the second is MasterCard Smart Data OnLine, the back office solution that comes at no extra cost when MasterCard ‘onecard’ is implemented. MasterCard Smart Data OnLine solution provides on-line management information, including detailed transaction data through standard and customised reporting, with expense claim processing capability. Smart Data’s ability to report the additional electronic ‘Level 3’ information where available, captured with each purchasing card transactions replaces the need for paper invoices for VAT purposes.

Features and Benefits

•

Easy organisation wide set up, only system requirement is browser and Internet access.

•

Minimal training for all levels of use-simple, intuitive design and little system interface training required.

• •

Quick and easy access to card spending data.

•

Tracks and reports detailed cardholder spending activity including transaction information, cardholder summaries, statements and other vital information.

•

Integrates your MasterCard data into your existing accounting and ERP systems.

•

Delivers data and reporting directly to your desktop without proprietary desktop software.

•

Offers a low-cost and efficient MIS application for global affiliates.

•

Enhancements are immediately available to all users, eliminating extensive and costly software upgrade, data download, and database load processes.

MasterCard Smart Data OnLine This global, web-based reporting application helps you organise, consolidate, analyses and manages financial data from Purchasing & Corporate Cards, Credit Cards, Cash Transactions and other MasterCard programs via the Internet.

Increase Savings Efficiency and Control

•

Restrict how, when, and where ‘Cards’ can be used by individuals, departments, or divisions.

•

Change purchasing authorisation and spending criteria quickly and easily.

•

Buy more efficiently online, saving money and streamlining processes.

•

Use internal cost centers and reduce paperwork with intra-organisational purchasing solution.

•

Better track, monitor and control spending with comprehensive, customised reports.

card payment solutions

Supports diverse expense management needs of your organisation, from administration to purchasing and more.

For further information on MasterCards Public Sector Proposition, or wish to arrange an on site demonstration of Smart Data OnLine with ‘onecard’ and Pre-Paid cards or to attend forthcoming MasterCard presentation please contact: info@cardpaymentsolutions.co.uk

Added reporting capabilities for the UK Public Sector. Utilise MasterCard’s innovative online web-based reporting solution, MasterCard Smart Data OnLine™. Fully interoperable with your existing reporting systems. Enables a user to retrieve purchasing information daily, weekly, or monthly and create reports to manage your organization and control expenses. Enjoy unsurpassed supplier acceptance and data capture.

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E-Commerce is coming of age Higher percentage of women consumers, balanced consumer behaviour and a significant decrease in non-payment risk

Pago, one of the leading acquirers and payment service providers has just published its latest Pago Report, the sixth successive edition â&#x20AC;&#x201C; the only E-commerce study, worldwide, which is not based on survey polls but on real-life purchase transactions. As last year, the study is entitled â&#x20AC;&#x153;Trends in Consumer and Payment Behaviour in selected Ecommerce Industry Sectorsâ&#x20AC;?. Trends and developments in consumer purchase and payment behaviour, in non-payment risk and in individual E-commerce sectors have been examined in about 60 different analyses. Seven expert essays by well-known experts from credit card organisations, from the Deutsche Bank, from the European Parliament and from the University of Karlsruhe round off the Pago Report 2007. With this report Pago has once again provided all participants in European E-commerce with a valuable decision-making tool to be used when modifying online offerings and payment services to meet the needs of the market.

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All the results are based on the analysis of a representative selection of around 30 million real-life purchase transactions processed through the Pago platform between October 2005 and September 2006. Because Pago is a credit card acquirer for Visa and MasterCard for the European license area, the transactions all originate from online shops in Germany, the UK and the rest of Europe. The report also analyses the E-commerce sectors retailing, gambling, services and travel and entertainment in more detail.

Online shopping at weekends One of the most interesting findings in the report period was the daily distribution of purchase transactions. Until recently most transactions were executed on work days, with significantly fewer over the weekend. Also, consumers preferred to do their online shopping during working hours. Now, however, the percentage of transactions during the week has stabilized at about 14.5% each weekday and nearly 14% on Saturdays and more than 13% on Sundays (last year: 12.6% and 11.8%). At the same time the percentage of transactions executed in the evening hours has increased. Experts believe that this is due to the increased number of computers and increased internet access globally as well as wider availability of broadband connection in the countries where the consumers come from.

Women are becoming more active Another possible reason for the increased popularity of virtual weekend shopping is the increased percentage of female consumers in online commerce. Women now account for nearly 37% of all transactions on the internet; this percentage has risen by more than 3% compared with 2006. Amongst German consumers, women account for over 43% of all transactions. However, the female consumer is quite conservative when it comes to payment. Women prefer using the

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conventional offline payment methods (like invoice purchases, pre-payment and COD) which, from the merchants’ perspective, are very expensive and insecure. Over 80% of purchases made by women were paid for in this manner.

Chargeback ratios have fallen dramatically One of the most pleasing trends for E-commerce providers has continued and even strengthened over the last year: chargeback ratios for credit card transactions have fallen dramatically to new record lows. The average chargeback ratio is now only 0.322% (previous: about 0.48%). This means that only three out of every thousand transactions is objected to by the cardholder resulting in the obligatory payment reversal. Ratios for consumers from Germany (about 0.09%) and for the rest of Europe (about 0.06%) were sensationally low. “These positive figures confirm that non-payment risk in the so-called card-not-present domain, where the credit card is not physically presented to the merchant, can be decidedly contained if suitable fraud prevention tools are implemented” said Dr. Markus Weber, Pago’s Managing Director. It is important not to be complacent about this trend but to understand it as the successful outcome of the implementation of methods designed to prevent credit card fraud over the internet. This represents just the current climax of the ongoing development of these mechanisms, which were introduced between 2000 and 2002.

Coming challenges The current year is providing several new challenges for acquirers and payment service providers. The harmonisation of the European payment area, the Single European Payments Area (SEPA) and the continuing implementation of data security standards in all organisations and businesses involved in payment processing are two key issues which will significantly impact the payments market. Pago feels that, being the only real European acquirer and service payment provider, it is fully prepared to meet these challenges. From summer 2006 Pago, for instance, became the first non-British acquirer to offer Maestro, a debit card payment method suitable for internet transactions, which is already the market leader in the UK and which will undoubtedly gain more European-wide importance in the wake of SEPA. The Maestro transactions were not, however, used for the 2007 Pago Report because the report period covers one full calendar year. Maestro transactions will therefore be included and analysed in

card payment solutions

2008 Pago Report for the first time. The Pago Report 2007 is now available from the Pago Shop (www.pago-international.com/shop) for 500 € (plus VAT)

Note: Press representatives can obtain the Pago Report 2007 free of charge on request. Please contact the persons named below if you wish to use the report for your work. Pago eTransaction Services GmbH: Pago eTransaction Services GmbH (Cologne, Germany) is an international Acquiring & Payment Service Provider for e-commerce businesses, shops (point-ofsale) and mail-order businesses. Pago enables its clients to receive payments for their goods and services securely and quickly through electronic channels. Because of the worldwide unique integration of credit card acquiring and payment processing, Pago gives businesses of all sizes access to all internationally and nationally relevant payment methods. The range of payment methods includes Visa, MasterCard, Maestro, American Express, Diners Club and JCB as well as locally used direct debit methods and giropay acceptance. In addition to payment processing, Pago also offers elaborate and proven business and risk management services, which enable online merchants to control and secure their payment processing better. Pago was founded in 1999 and is a Deutsche Bank AG and Beisheim Holding Schweiz AG company, offering its services through a global partner network. Clients include merchants from all industry sectors – from retailers to telecommunications to the travel industry – operating in both e-commerce and bricks-and-mortar environments. Pago currently operates over 6,000 active online-shop solutions. Transactions from about 6,500 terminals are processed through the Pago Platform (as of March 2007).

What’s your view? If you would like to comment on this article please email: info@cardpaymentsolutions.co.uk page 33

TRY BEFORE YOU BUY! Would you like to be Level 1, 2, and 3 capable? Are you looking for flexibility and freedom accessing your own transaction data? If the answer is “YES”, then ITS offers you a product that will save you time and can make your business process more efficient.

What is it? Procurer OnLine is a secure, internet-based card processing system for credit, debit and Purchasing Card transactions. It can be accessed from any PC and from any location that has a web connection. It is approved by all the major UK acquiring banks and HM Revenue & Customs for suppliers who want to use an internet-based solution for B2B transactions.

Result?

Less paperwork + less fuss + Level 3 = Preferred Supplier Status I look forward to hearing from you. Steve Wilkins HEAD OF OPERATIONS

Features

Flexibility, convenience and independence

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Increasingly, your customers want additional Level 3 detail and will only trade with suppliers that offer this enhanced data. Procurer OnLine captures that additional transaction information and sends it through to the banks electronically, cutting out the time consuming paperwork of purchase order and invoice preparation.

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Issue No. 39 2007

PURCHASING CARD CAPABLE SUPPLIERS SPECIAL EDITION

Search... Purchasing Card Capable Suppliers Search Engine & Directory Making connections between Suppliers and Buyers

Purchasing Card Capable Suppliers Overview

‘Click’ with your customers! Looking to expand your customer base? Then Search… is for you Log on to: www.purchasingcardnews.co.uk If you’re reading this then you’re company details are probably already listed on the Purchasing Card Capable Suppliers Search Engine & Directory by business classification and merchant category codes. The only thing missing is your essential information that could attract, expand and maintain important customers to you. This is the enhanced data on your company’s products and services supplied, displayed on your own Profile Page of the Search Engine & Directory, which forms an integral part of the purchasing decision of potential buyers and purchasing/procurement officers. Have your own Profile Page on Search… Purchasing Card Capable Suppliers Search Engine & Directory and let customers find you. Buyers can search quickly and easily at a glance all the information by: -

• • • • • • •

Business Categories Products & Services Merchant Category Codes Purchasing Card Level 2 & 3 Capable Suppliers All Level 3 Capable Suppliers Suppliers Name Region

Search is the ultimate site for both public and private sector buyers. With over 6000 individual Level 2 & 3 Purchasing Card Capable Supplier details listed, the site offers them a solution to supplier recruitment. It’s often their first port of call within their tendering process to source Purchasing Card Capable suppliers, contractors and or buy products and services directly off the shelf.

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‘Search...’ Purchasing Card Capable Suppliers Search Engine & Directory Making connections between Suppliers and Buyers

Log on to: www.purchasingcardnews.co.uk and click on P-Card Capable Suppliers Directory

Search... The Purchasing Card Capable Suppliers Search Engine and Directory presently contains over 7000 MasterCard Purchasing Card Capable Suppliers at Level 2 & 3.

Further Purchasing Card Capable Suppliers will be added to the Search Engine & Directory with the business categories updated enabling detailed searches by products and services.

This represents the vast majority of the UK Purchasing Card Capable Suppliers. Multiple supplier outlets are not listed unless otherwise detailed within the suppliers own Profile Pages of the Search Engine.

Search A password protected online directory and search engine, designed to assist both Private & Public Sector buying, purchasing and contracting personnel recruit from the Purchasing Card Capable Suppliers listed. Search Has been developed to offer a solution to supplier recruitment, by providing an on-line directory and search engine that profiles your business activities, products and services to thousands of industry buying,purchasing and contracting personnel on a regular basis.

For Purchasing Card Capable Suppliers… Search Provides you with the facility to have your own Profile Page within the on-line directory and search engine that provides enhanced details of your products and services that is crucial to buyers when searching for suppliers, products and services.

Search.. Purchasing Card Capable Suppliers Search Engine & Directory will be promoted regularly in:

• Purchasing Card NewsLink twice monthly email

broadcast to 22,000 industry contacts from both the Public and Private Sectors.

• Purchasing Card News publication issues circulated

up to 10,000 Purchasing Card industry professionals.

• Site prominence on:

• Purchasing Card News web site • Card Payment Solutions web site

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‘Search...’ It’s easy to sign up! Sign up now! 1. Log on to: www.purchasingcardnews.co.uk and then select P-Card Capable Suppliers Directory from the menu. 2. Enter your valid email address and click Next 3. Select the clearly marked Option 2 and click Next 4. Enter your company name and click Next. This will take you to your company information listed with the option to:‘Add Profile Information’. To add your Profile Page simply Click where indicated to take you to the sign up form. Add, as much information as you like to your personal profile, especially to the sales statement of products & services supplied as the search engine will scan key words, products and services, from within your sales statement.

Enter your valid e.mail address for access and then choose Option 2 as highlighted below.

Your information is password protected to allow you only to amend or update any information you’ve already supplied. A once-only subscription charge of £55.00 zero VAT is made to participating suppliers to include their company Profile Page onto the online directory and search-engine. Your information is added onto the Profile Pages on a self-administered basis that enables you to view all other listings and amend your own pages at any time and as such conforms to current UK/European Data Protection legislation. Once you submit your completed password protected Profile Page/Payment form, you’re unique access password will be sent to your valid email address that enables you to log onto and amend your own Profile Page at any time and view all other listings. At times details displayed within the Supplier Directory listing could need amending, please email the details to: technicalsupport@purchasingcardnews.co.uk

Enter your company name as indicated below and then follow the simple navigation procedure to complete your Profile Page.

For further information please contact:Purchasing Card News Castle Hill Farm, Castle Mill Lane , Ashley, Altrincham Cheshire WA15 0RB Tel: +44(0) 161 928 0485

Fax: +44(0) 161 928 1713

Email: info@purchasingcardnews.co.uk www.cardpaymentsolutions.co.uk www.purchasingcardnews.co.uk The information contained within the screen images are for illustration purposes only

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Travelex Launches Planet Payment’s “Pay in Your Currency” at All US Locations Through Humboldt Merchant Services International Travelers Can View Charges and Pay in Their Home Currency

Foreign exchange specialist Travelex Americas and Planet Payment, a leading international multi-currency payment and data processor, announced the availability of a new service which provides greater convenience to international travelers that use their MasterCard® or Visa® cards to obtain currency exchange and other services at Travelex locations across the United States. Provided through Humboldt Merchant Services, Travelex’s acquiring bank, the new “Pay in Your Currency” service, allows international customers to pay for their foreign exchange transaction in the currency they know best – their own. Traditionally, an international customer paying with a

credit card can only have their charges posted in the merchant’s local currency. Conversion of those charges back to the customer’s home currency occurs only after the transaction and is performed by the card provider. The exchange rate and the final cost of the charge are not known to the customer until later – when they receive a billing statement from their card provider. Now, with the availability of the Pay in Your Currency service, international travelers using eligible MasterCard® and Visa® cards for foreign exchange services at all 125 Travelex locations across the United States have the option to complete the transaction in their home currency. The amount the customer pays in their home currency matches the amount they see on

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their credit card statement -- eliminating the uncertainty experienced with the conventional process. “We believe that visitors to the United States choose Travelex for their foreign currency needs because we provide superior service and greater convenience,” said Jon Dario of Travelex Americas. “This new service is a perfect complement to our suite of foreign exchange products and services now our international customers can enjoy the convenience using their credit card for foreign exchange services with the added comfort and certainty of knowing the final amount of the transaction in their home currency immediately, at the time of the transaction.” “Humboldt Merchant Services and Planet Payment are excited to be working with Travelex to deliver our Pay in Your Currency service to Travelex locations across the United States,” said Philip D. Beck, Chief Executive Officer of Planet Payment. “This service was developed to provide greater clarity, choice and simplicity to international transactions by eliminating all of the guesswork that exists when international cardholders use their cards overseas. We are confident that Travelex customers will appreciate the convenience which flows from the service.”

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MasterCard Reports Double-Digit Growth for the Second Quarter in the Europe Region Maestro® brand marks appeared on over 292 million cards, up 4.7 percent

MasterCard Worldwide has announced its second quarter 2007 operating results for the Europe region. For the quarter, the region reported double-digit increases in MasterCard® credit card gross dollar volume (14.3%), purchase volume (14.7%), purchase transactions (12.6%), cash transactions (11.0%) and cards issued (18.2%) versus the same period in 2006. As of 30th June 2007, 164 million MasterCard cards (excluding Maestro® and Cirrus®) had been issued by MasterCard customer financial institutions across Europe. Cardholders in the region made 1,390 million purchase transactions in the second quarter of 2007 and could use their MasterCard cards at eight million acceptance locations throughout the region. Javier Perez, President, MasterCard Europe, said: "Today's announcement shows our business in Europe operating from a position of strength and continuing to be a major contributor to MasterCard's global business success story.” "Product innovation and excellence are at the heart of everything we do in Europe. This is exemplified by the further roll-out of contactless 'Tap & Go' payments across a number of countries including the UK and Spain.”

of 2007 will see us re-doubling our efforts to make sure that the Single European Payments Area becomes a reality from January 2008. Its launch will introduce competition into every point of the payments value chain benefiting consumers, merchants and banks as well as the wider Euro zone economy." In addition, the Maestro® and Cirrus® brand marks appeared on over 292 million cards, up 4.7 percent compared to the second quarter of 2006 in Europe. Consumers can now make online debit point of sale purchases with their Maestro cards at over 6.5 million merchant locations throughout Europe. MasterCard in Europe also reported a number of significant business achievements for the quarter:

•

In April, MasterCard announced a new agreement with Lloyds TSB to issue the majority of the Bank’s credit card portfolio through the MasterCard scheme.

•

In May, to coincide with the announcement of details of the London Launch of contactless payments, MasterCard partnered with Royal Bank of Scotland Group to launch the results of the first live trials of ‘Tap & Go’ payments in Europe.

•

In May, MasterCard launched Europe’s first watch equipped with MasterCard PayPass™ contactless technology, in partnership with Garanti Bank in Turkey.

•

In June, MasterCard and Caja Madrid launched Spain’s first PayPass pilot.

"In the UK, for example, in May we led the announcement of the London launch of contactless payments which will allow consumers to pay with their PayPass™ 'Tap & Go' cards later this year. This marks the beginning of a national roll-out expected to take place in 2008." Javier Perez concluded: "In addition to ensuring that all of our customers continue to benefit from our innovative payment solutions, the remainder

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Card Payment Solutions incorporating:

PURCHASING CARD

NEWS

The Information Exchange for Electronic Transactions & Card Payment Solutions www.cardpaymentsolutions.co.uk

issue 40 2007

The e-Commerce & Electronic Payment Solutions Conference 2007 ‘The Information Exchange’ See page 13