Card Payment Solutions incorporating:
PURCHASING CARD
NEWS
The Information Exchange for Electronic Transactions & Card Payment Solutions www.cardpaymentsolutions.co.uk
issue 44 2008
Search for Purchasing Card Capable Suppliers
...On-Line!
www.search-online-now.co.uk Launches November 2008
The Payments Cards & e-Payment Solutions Conference 2008
Conference Timetable & Agenda details See pages 7-12 for more information
See page 15
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HSBC 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
Established in 1992, Adflex provide cutting-edge, innovative software and general IT services for a diverse range of industries and clients including many blue chip organisations. We specialise in the development of Card Processing software and Payment Processing Systems which are approved by all the main acquiring banks. We consider ourselves leaders in this field and offer merchants the ultimate flexibility in Credit and Purchase Card processing. Our solutions support Level 1 credit/debit cards through to Level 3 Purchase cards (Visa Global Invoice Specification and Line Item Detail) and also support 3D secure in an e-commerce environment. Adflex Products Adflex Virtual Terminal (AVT) Adflex Virtual Terminal is a simple yet powerful windows application that can be run on a standard Windows PC, allowing all card types to be processed quickly and easily.
Integrating vs. Interfacing your P-Card Technology Solution: Is there a Difference?
Adflex Integrated Solution (AIS) Adflex specialise in providing integrated solutions which allows seamless communication between your current computer systems and our payment gateway removing the need to re-key transaction information.
P-cards are recognised as a best-practice for reducing the cost of processing high-volume, low-value transactions.
Adflex Bureau Service (ABS) For those who do not want to use a software solution to accept purchase cards, take advantage of our Bureau Service. Simple send us your invoices in electronic format and we’ll do the rest for you.
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.
The people we employ are highly trained, plain speaking and experienced in the field of Payment Card Processing. Whether you are a small owner operated company or a part of a large multinational, our people will listen carefully to your requirements and deliver a solution that fits.
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. Contact: Kathleen Nugent Email: knugent@paymetric.com
Adflex Ltd, 284 Warley Hill, Brentwood, Essex CM13 3AB Tel: 01277 268 755 e-mail: info@adflex.co.uk www.adflex.co.uk
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Contents ITS is a leading industry expert in Transaction Solutions
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Clydesdale Bank and Yorkshire Bank Extend UK Debit Agreement with MasterCard
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COA Solutions Launches Purchasing Card Reconciliation System
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MasterCard and ITS Increase Availability of Level 3 Data for Purchasing Card Transactions
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The Payments Cards & e-Payment Solutions Conference ‘The Next Generation’
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The Payments Cards & e-Payment Solutions Conference Exhibition Stands & Floorplan
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The Payments Cards & e-Payment Solutions Conference Conference Agenda
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Examples of our 2008 Conference Agenda Presentations
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Fujitsu B-Pad achieves Payment Card Industry (PCI) Compliance
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Why Purchasing Cards?
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Search for Purchasing Card Capable Suppliers ...On-Line!
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Editorial: You can e-mail all your news, views, features & events for publication to: info@purchasingcardnews.co.uk
Advertising: For advertising, feature sales and sponsorship contact Peter Gittins on +44 (0) 161 928 0485 or info@purchasingcardnews.co.uk or www.purchasingcardnews.co.uk and click on ‘The Publication’ link
Full contact details: Card Payment Solutions, Castle Hill Farm, Castle Mill Lane, Ashley, Altrincham, Cheshire, WA15 0RB Tel: +44 (0)161 928 0485 Tel: +44 (0)161 928 3502 Fax: +44 (0)161 928 1713 Mobile: 07793 584166 www.purchasingcardnews.co.uk www.cardpaymentsolutions.co.uk email: info@purchasingcardnews.co.uk 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.
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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.
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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. page 4
We have created an animated demonstration which you can view at www.procurer-online.com/demo
Procurer ERP 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.
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 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 ‘best fit’ 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 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.
Contact Centre Our contact centre staff specialise in Purchasing Card expertise and managing clients’ 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. 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
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Clydesdale Bank and Yorkshire Bank Extend UK Debit Agreement with MasterCard In August 2008 MasterCard Europe and Clydesdale Bank announced today that they have signed a long-term partnership agreement to create an innovative suite of diversified debit programmes to better meet customer needs. s part of the new agreement, Clydesdale Bank and Yorkshire Bank will offer Debit MasterCard starting in 2009. Both banks will also continue to offer MasterCard’s successful Maestro debit product, currently issued to over two million of their customers in the UK.
Clydesdale Bank and Yorkshire Bank. We are seeing a maturing debit card segment, while at the same time people are demanding cards tailored to their personal needs and greater access to funds. It is therefore a real plus point for our company to be able to offer two global debit products in Maestro and Debit MasterCard, giving us the most comprehensive portfolio in the marketplace today.”
The Debit MasterCard product is designed specifically for consumers that require maximum global acceptance, by providing access to MasterCard's acceptance network of more than 26 million merchant locations. Debit MasterCard also gives cardholders access to 1.8 million ATMs and other locations around the world where cash may be obtained.
Clydesdale Bank was established in 1838 in Glasgow and has a proud history of innovation and support for Scottish industry and communities. With over 150 retail branches and a network of Financial Solutions Centres, Clydesdale is one of Scotland's largest banks. The Bank is currently expanding its operations into the South of England with its innovative Financial Solutions Centres, offering customers a highly integrated business and private banking service. Clydesdale Bank was recently voted the 'Best Business Bank' in Scotland, by the Forum of Private Business in its most recent survey. In 1987, Clydesdale Bank PLC became a member of National Australia Bank Group
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For Clydesdale Bank and Yorkshire Bank, Debit MasterCard will complement their existing Maestro debit card programme, as it offers an optimal solution for cardholders that travel frequently, whilst Maestro offers the perfect solution for the majority of their current and savings account customers. Antony Lupton, Head of Savings & Money Transmission for Clydesdale and Yorkshire Banks, said: “This is great news for our UK customers. We are very pleased to be able to extend our successful debit card relationship with MasterCard. Offering Debit MasterCard complements our existing MasterCard Maestro proposition and means that selected customers can now have the added convenience of greater global flexibility and access to their funds when travelling abroad.” Leigh Clapham, General Manager, Developed Markets, MasterCard Europe, said: “We are delighted to extend our partnership with both
Yorkshire Bank was founded in 1859 in Halifax, West Yorkshire. Today, the Bank has more than 190 retail branches, a strong personal customer base and a growing business capability in the North of England and the Midlands. In 2006, Yorkshire Bank was voted the UK's 'Best Business Bank' by the Forum of Private Business and in 2007 ‘Best Regional Mortgage Lender’ by Your Mortgage magazine as well as receiving a highly commended for its offset mortgage offering. Yorkshire Bank is a trading name of Clydesdale Bank plc, which is a subsidiary of the National Australia Bank Group of companies. Yorkshire Bank joined the Group in 1987.
MasterCard Europe is responsible for managing MasterCard Worldwide’s business in Europe for Europe. With headquarters in Waterloo, Belgium, MasterCard Europe works with 51 European countries organized administratively into three customer areas, incorporating the Single Euro Payments Area (SEPA), mature markets and the developing markets of Europe, stretching as far afield as the eastern border of Russia. Through its network of local offices, MasterCard Europe can understand and meet the diverse needs of customers in the very different types of markets throughout Europe, enabling people to do business in their own way in their own language. Through MasterCard Worldwide, MasterCard Europe offers its European customers and consumers access to leading payment services throughout the world. MasterCard Worldwide advances global commerce by providing a critical economic link among financial institutions, businesses, cardholders and merchants worldwide. As a franchisor, processor and advisor, MasterCard develops and markets payment solutions, processes over 18 billion transactions each year, and provides industryleading analysis and consulting services to financial institution customers and merchants. Through its family of brands, including MasterCard®, Maestro® and Cirrus®, MasterCard serves consumers and businesses in more than 210 countries and territories. For more information, go to www.mastercardworldwide.com
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COA Solutions Launches Purchasing Card Reconciliation System Purchasing Cards or charge cards are used by businesses to cover purchasing expenses, such as raw materials or office supplies. COA Solutions’ new web-based PCR solution, which is tightly integrated into COA Solutions’ financial management systems, manages and reconciles corporate purchase card charges throughout the entire purchasing lifecycle. Aimed at finance and procurement managers in both public and private sector organisations, PCR saves time and reduces processing costs whilst enabling a better understanding of procurement drivers. Mark Thompson, Managing Director of COA Solutions, comments, “The use of purchase cards has dramatically increased in recent years as part of a drive to eliminate the lengthy process and paperwork associated with making small business purchases. However, even though purchase cards initially reduce time and paperwork, they still create a range of paper-based processes when it comes to reconciling purchasing card spend. PCR eliminates these inefficient processes, cutting costs, providing greater visibility of spend and enabling improved reporting.”
organisations to intelligently report on spend. PCR also allows organisations to choose the best card suited to their business (or multiple cards if required) and change cards when necessary to ensure the best terms are secured. Organisations could enjoy significant cost and efficiency benefits by implementing PCR. With this intelligent system, they have a complete picture of who is spending what, where and when and are provided with full auditable trails of purchasing card spend.”
COA is on of the UK’s leading supplier of integrated business management and information systems to public, private and notUsing PCR, purchasing card holders for-profit organisations in the can log transactions, view statements service sector. and reconcile transactions electronically. They can also dispute COA Solutions’ award-winning Smart Business Suite combines core line items within a statement if financial management, procurement, goods or services have not been human resource and payroll received. Once reconciled by the systems, integrated with a range of card holder, the statement is then collaborative, document management automatically sent to the budget and business intelligence solutions. authoriser for approval. Once approval is complete, the statement These solutions extend the value and effectiveness of the finance, HR can be uploaded to the accounts payable system and the appropriate and payroll departments across the organisation and enable managers general ledger postings are in the business to monitor, analyse automatically generated. and continually improve corporate performance. Unlike some third party purchasing card solutions which limit access to management information and can What’s your view? If you make it difficult to switch card would like to comment on providers, PCR’s flexible and highly this article please email: functional reporting tools enables info@cardpaymentsolutions.co.uk
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MasterCard and ITS Increase Availability of Level 3 Data for Purchasing Card Transactions Customers benefit from optimized expense management and electronic VAT recovery
MasterCard Worldwide has announced that through a new agreement with Interactive Transaction Solutions (ITS) it will be able to significantly increase the availability of Rich Line Item Detail or Level 3 data for businesses and government entities. The cooperation also means that MasterCard’s Purchasing Card will be accepted by an additional several hundred merchants in the UK. Level 3 data provides Line Item Detail descriptions for the goods/services purchased with individual VAT amounts. Through its agreement with MasterCard, ITS will now be able to provide MasterCard, its issuers and their Purchasing Card customers with Level 3 data from merchants using ITS Procurer Online. This will then be made available to the end customers for MIS and VAT recovery based on electronic invoices produced by Smart Data, the MasterCard reporting solution. The solution has received VAT accreditation from the UK tax authorities. “The MasterCard Data Direct service, using ITS Procurer Online for Purchasing Card transactions, removes yet another industry hurdle. Hundreds of additional merchants are now able to ‘flow’ addendum data back to their cardholder customers no matter which acquiring bank they use. We are delighted to pioneer, with MasterCard, in further refining
the process in the Purchasing Card market” said Steve Wilkins Head of Operations ITS. “MasterCard once again demonstrates its commitment to help optimise commercial programmes by providing integrated information and reporting solutions in a manner that drives efficiency and transparency. With MasterCard Purchasing Cards and reporting solutions, companies and public organisations gain the insights needed to not only negotiate better deals with suppliers but also save time and money”, said Brian Lang, Vice President, Commercial Products, MasterCard Europe. The new service will be available as of October 2008.
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information exchange conference
The Payments Cards & e-Payment Solutions Conference ‘The Next Generation’
Sponsored by
Lancashire County Cricket Club Conference Centre Old Trafford Manchester M16 0PX Thursday 13th November 2008 from 10:00 to 16:30 - Registration from 08:45 Lunch and Refreshments are provided - Free on-site Car Parking is available
www.purchasingcardnews.co.uk/conference The Seventh Annual ‘Information Exchange Conference 2008’ for Payments Cards & e-Payments Solutions - The Next Generation - looks forward at all future aspects of Electronic & Commercial Card Payment Solutions & Services. The 2008 Conference will stage fourteen individual presentations throughout the day highlighting an extensive range of products and solutions on offer that provide you with the background to innovative payment solutions and services that are available now that can assist your organisations deliver efficiencies and cost savings, a major benefit for both Private Sector companies and Public Sector organisations alike. Our agenda includes leading edge presentations, case studies, breakout sessions, workshops and exhibitions hosted and presented by the industryleading specialist from commercial card schemes, banks, card issuers, and the industry’s leading solutions providers. The conference agenda illustrates just how the wide range of topics presented can affect your future day-to-day business dealings. Our focus topics include:
• • • • • • • • • • • • • • • •
Purchasing Card & Commercial Card Payment Solutions Corporate Card, T&E and Fuel Card programmes Pre-Paid Cards - Rechargeable & Pre Loaded Cards Web based Card Management Transaction Solutions Lodge Cards for Enhanced Travel MI Integration of P-Cards with e-Procurement systems Smart Card and Loyalty Card programmes eProcurment Purchase to Pay technology e-Invoicing Solutions Electronic Data Interchange EDI SAP and Oracle Integration Software Solutions Acquiring and Bureau Services Expense Management Software Solution Providers Products & Services Electronic Payment Acceptance & Merchant Sign Up Programmed Implementation, Service and Compliance issues
For further Conference 2008 information, please contact: Peter Gittins email: info@cardpaymentsolutions.co.uk or info@purchasingcardnews.co.uk Tel: +44 (0) 161 928 0485 Fax: +44 (0) 161 928 1713 www.purchasingcardnews.co.uk or www.cardpaymentsolutions.co.uk page 7
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The Payments Cards & e-Payment Solutions Conference ‘The Next Generation’
Sponsored by
Tyldesley Suite Exhibition Stands hosted by:-
Welsh Purchasing Card
HSBC Workshop
TYLDESLEY SUITE & CONFERENCE ROOMS 1 AND 2 Car Park
Car Park Refreshments WC
WC
Entrance Registration Cloak Room 1 Exhibition Stand
2
3
Conference Room 2
Exhibition Stand Presentation Screen
Presentation Screen
Exhibition Stand
Conference Room 1 4
Exhibition Stand Exhibition Stands (Maximum height 7 feet) 5
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page 8 The conference agenda may be subject to change without prior notice
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information exchange conference
The Payments Cards & e-Payment Solutions Conference ‘The Next Generation’
Sponsored by
CONFERENCE AGENDA THURSDAY 13TH NOVEMBER 2008 FROM 10:00am - 4:00pm Tyldesley Suite
from
09.00 - 09.45
Registration & Refreshments
Tyldesley Suite
09.45 - 10.00
Welcoming Address
Tyldesley Suite Conference Room 1 Deecal International Limited
10.00 - 10.25 Includes question & answer session
10.45 - 11.10 Includes question & answer session
Deecal is renowned for its special combination of commercial card domain knowledge and accounting experience. Now a part of First Data; a leading global payments service provider, Deecal’s strengthened expertise, resources and capabilities have given the company a uniquely effective position in the payments market. Presented by Des Cahill
County Suite Conference Room 2 B&Q plc You can now use your Visa Purchasing Card at the country’s largest DIY retailer. Like you B&Q sees Purchasing Cards as a very effective and efficient means of procurement. B&Q have made a significant investment in becoming a Level 3 capable Purchasing Card merchant enabling B&Q to offer line item detail,including additional VAT information on all B&Q purchases. Presented by Mike Cartwright
Adflex
ARVAL
Accepting purchase cards from the suppliers point of view can be daunting. Here at Adflex we make it easy for your suppliers to accept purchase cards. From legacy to state of the art systems, our aim is to get supplier data to the buyer with the least amount of fuss and bother. Adflex have unparalleled expertise when it comes to purchase card implementations. We provide secure software to process all types of card transactions covering level 1, level 2 and level 3 including VGIS, LID, and AmexCPC. Our software is smart enough to accept data from a wide range of sources including invoice files, reports and database exports. Presented by Andy Downman
Arval is the leading fleet and fuel management company in Europe with over 30 year’s industry experience. In the UK, we have over 1.2 million fuel cards in circulation and through these cards we process over 50 million fuel purchase transactions every single year. Fuel cards allow companies to control and reduce their fuel expenditure as well as monitoring CO2. Arval fuel cards are accepted at more than 95% of major fuel stations throughout the UK via the AllStar network which means that drivers are never far from somewhere to fill up. Our cards can also be used to purchase a range of vehicle-related goods and services such as maintenance, car wash and breakdown. Presented by Bernard Tomkins
MasterCard
Your partner for the professional payment and analysis of your business trips.
AirPlus International
11.30 - 11.55
Optimising your Purchasing Card portfolio performances.
Includes question & answer session
Presented by Alistair Hardie - Spikes Cavell & Laurent Vreven - MasterCard Europe.
12.05 - 12.25
The Welsh Purchasing Card & ePayments Solutions - The Next Generation
Includes question & answer session
12.30 - 13.45
The Welsh Purchasing Card programme(WPC) joins together with Welsh Public Sector card programme users to demonstrate how a Central Government organisation are continuing to further develop and expand the potential in their card programme. Presented by Alan Oram
Includes question & answer session
Servebase Global Card Solutions Ltd One of the biggest challenges facing those involved in the implementation of a purchase card programme is ensuring adequate education and guidance. Getting suppliers on board with your programme can be a long and arduous task – but it needn’t be like this. Presented by Richard Renwick-Forster
Delegates Lunch in The Long Room & Members Suite Tyldesley Suite Conference Room 1
13.45 - 14.10
Payment, accounting, analysis and monitoring – AirPlus sets the global standards for the management of business travel costs. We offer intelligent products and customised solutions that not only make daily procedures – from payment to analysis - easier, but also target real reductions in your travel expenses thanks to a full and detailed analysis of your travel data. AirPlus helps you to expose areas in which savings can potentially be made and costs reduced.
County Suite Conference Room 2 JP Morgan
MasterCard PrePaid Cards. Presented by David Dechamp - MasterCard Europe
JPMorgan, one of the world's largest card issuers, is now providing commercial cards across Europe from its regional base in the UK. As well as travel and purchasing cards, their offerings for the corporate and public sectors also include innovative prepaid solutions. Jim Wadsworth, head of card products for JPMorgan in EMEA, will set out the bank’s approach to the UK and Europe, and share insights and practical case studies based on its experience. Presented by Jim Wadsworth
Alliance & Leicester
14.30 - 14.55 Includes question & answer session
15.15 - 15.40 Includes question & answer session
15.45 - 16.00 16.00
Since 2006 Alliance & Leicester Commercial Bank has become a leading provider of bespoke prepaid cards to a diverse client base. Working with a wide range of companies, the bank’s team has provided tailored solutions for prepaid card programmes including foreign currency cards, ID and prepaid combi cards, corporate reward cards and online gaming cards. There are also many prepaid card functions the bank offers to corporates – such as salary or expenses payments – that generate a more cost effective and secure system for managing these processes. Presented by Peter Brownbill
Integrating your Purchasing Card Programme and SAP Paul Muir SAP Change Team Leader - P2P Financial Management Division gives an overview of how Manchester City Council integrated their existing £70M turnover Purchase Card programme into SAP. How they are implementing the latest version of XiBuy from Paymetric and a move to operating their programme through the use of Lodge Cards. Presented by Paul Muir
Invapay e-payments: resolving the issue of the large number of low value paper invoices and payments – the problematic One Time Only Transaction Vendor. Invapay the solution! Most organisations have similar purchase-to-pay profiles. The regular repetitive purchases and payments …… and that long-long-tail of low-value ad-hoc purchases and payments. Presented by Sid Vasili
Card Payment Solutions Workshop Smart Data On Line Demonstration
Tyldesley Suite - Closing Address Member Suite - Complimentary Drinks Reception The conference agenda may be subject to change without prior notice
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The Payments Cards & e-Payment Solutions Conference ‘The Next Generation’
Sponsored by
Examples of our 2008 Conference Agenda Presentations
MasterCard MasterCard Payment’s Products Portfolio Delivers Purchase-to-Pay Efficiencies Payment Cards are an innovative product and there has been a step change in the application of P-Cards that allows for greater coverage over additional areas of purchase spends. MasterCard's development of new products provides greater transparency, audit ability, security and flexibility with a range of products that can be aligned to various commodity categories to provide optimal purchase-to-pay solutions. MasterCard's current portfolio of payments products can deliver purchase-to-pay efficiencies. MasterCard Payments Products will assist your organisation to deliver the efficiencies to meet the Comprehensive Spending Review efficiency targets by reducing administrative process costs and eliminating paper invoices. Smart Data OnLine & Multicard ‘The Solution of Choice’ This Presentation gives an overview of functionality and the business benefits delivered with the use of Smart Data OnLine (SDOL) for new or existing Purchasing Card Programmes of any size. MasterCard's unique leading-edge VAT accredited web based card management system features an extensive range of options to review, approve, code and download transactions for swift import into finance systems, together with comprehensive standard and self build reports facilities. MasterCard Smart Data OnLine solution provides online management information, including detailed transaction data through standard and customised reporting, with expense claim processing capability. Smart Data OnLine has ability to report the additional electronic ‘Level 3’ information where available captured with each Multicard (‘onecard’) Purchasing Card transaction. MasterCard Smart Data OnLine global web-based reporting application helps you organise, consolidate, analyse and manage financial data from Purchasing & Corporate Cards and other MasterCard programs via the internet. Smart Data Online with Multicard (‘onecard’) is successfully established across Welsh Public Sector organisations as the ‘The Solution of Choice’
inControl MasterCard inControl is a new platform that facilitates payment controls based on: • enhanced authorisation controls • flexible approval routing • a secure virtual card number Workflows, hierarchies and routings can be set specifically for your public sector organisations requirement through inControl. inControl reduces maverick purchasing and increases compliance to preferred suppliers and contracts. This drive to greater contract compliance facilitated by inControl results in further costs savings and increased business for your organisation’s preferred or approved suppliers. Pre-Paid Cards There will be major growth in the area of Pre-Paid Cards across the UK public sector. Pre-Paid Cards can be used for emergency and distress purchases across social care within local government. Housing associations are also benefiting from prepaid cards to alleviate reactive repairs. Pre-Paid Cards are loaded with funds before they are used for payments. Their prepaid nature makes them ideal for social care, distress purchases and emergency requirements. Loading Pre-Paid Cards with the amount allowed can strictly control payment to anyone. Purchase Optimiser In any organisation an understanding of the relative performance of purchase-to-pay process costs is interesting as it can provide the stimulus for positive action. Comparative benchmarking and best practice is required in the Transformation of Government Procurement. The Purchase Optimiser is a web based diagnostic tool that helps evaluate card programmes and delivers practical, comprehensive and customised recommendations to improve performance. The customised report, built on Aberdeen Group benchmark data, highlights current status versus peers and identifies where and how existing programmes can be improved to exceed industry benchmarks. Purchase Optimiser provides the capability to take your organisation towards best in class purchase-to-pay. Laurent Vreven Business Leader Global Commercial Products, MasterCard laurent_vreven@mastercard.com
Alistair Hardie Spikes Cavell PRESENTATION / EXHIBITION STAND
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Interactive Transaction Solutions (ITS) Interactive Transaction Solutions (ITS) is one of Europe’s leading suppliers of payment related software and data handling services including major loyalty programs. ITS has a PCI accredited platform hosted by BT with secondary platforms and full business continuity/disaster recovery capabilities. Established since 1990 ITS has become pioneers in the Purchasing Card market. ITS provides a wide range of solutions to accommodate all B2B needs of all businesses. ITS offers a complete one-stop service providing user interface applications and transaction handling solutions that facilitate a seamless ‘payment to settlement’ process in real-time or batch. ITS flows American Express, Visa Purchasing and MasterCard Onecard/Multicard Level 3 addendum data as well as standard cards. ITS daily carries out bulk settlement to Streamline, Barclays, Lloyds, HSBC, HBOS and AMEX. Procurer Bureau A Paper based B2B transaction service for merchants accepting low volume or have no technology capabilities. Level 1+2 & Level 3 and VGIS Procurer Online: our very popular web based solution, simple to use anytime anywhere. Level 1+2 & Level 3 and VGIS Procurer ERP: Integrated solution for high volume merchants. Level 1+2 & Level 3 and VGIS Procurer Ecom: E-commerce version of Procurer ERP. Level 1+2 & Level 3 and VGIS Procurer Matching: Using Level 1 terminals at point of sale, matching Addendum data and then flowing Level 3 to the acquirers Procurer Managed: Bespoke payment services for high volume merchants. Level 1+2 & Level 3 and VGIS. Additionally, we poll thousands of bank owned terminals providing Level 1 & 2 data with Summary VAT. Steve Wilkins Head of Operations sales@interactivets.com WORKSHOP / MEETINGS
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JPMorgan
Adflex
JPMorgan, one of the world's largest card issuers, is now providing commercial cards across Europe from its regional base in the UK. As well as travel and purchasing cards, their offerings for the corporate and public sectors also include innovative prepaid solutions. Jim Wadsworth, head of card products for JPMorgan in EMEA, will set out the bank's approach to the UK and Europe, and share insights and practical case studies based on its experience.
Accepting purchase cards from the suppliers point of view can be daunting. Here at Adflex we make it easy for your suppliers to accept purchase cards. From legacy to state of the art systems, our aim is to get supplier data to the buyer with the least amount of fuss and bother.
Jim Wadsworth Head of Card Products jim.m.wadsworth@jpmorgan.com PRESENTATION
ARVAL Arval is the leading fleet and fuel management company in Europe with over 30 year’s industry experience. In the UK, we have over 1.2 million fuel cards in circulation and through these cards we process over 50 million fuel purchase transactions every single year. Fuel cards allow companies to control and reduce their fuel expenditure as well as monitoring CO2. Arval fuel cards are accepted at more than 95% of major fuel stations throughout the UK via the AllStar network which means that drivers are never far from somewhere to fill up. Our cards can also be used to purchase a range of vehicle-related goods and services such as maintenance, car wash and breakdown. Being owned by BNP Paribas, one of the largest European banking groups, means that we benefit from significant buying power and we currently manage over 145,000 vehicles. As one of the UK’s leading contract hire providers we currently fund over 70,000 vehicles nationwide, including over 20,000 commercial vehicles. From business start ups to some of the largest FTSE 100 companies and internationally managed contracts, we have specialist teams to identify the right solutions for each individual customer.
Adflex have unparalleled expertise when it comes to purchase card implementations. We provide secure software to process all types of card transactions covering level 1, level 2 and level 3 including VGIS, LID, and AmexCPC. Our software is smart enough to accept data from a wide range of sources including invoice files, reports and database exports. Adflex Virtual Terminal (AVT) Adflex Virtual Terminal is a simple yet powerful windows application that can be run on a standard Windows PC, allowing all card types to be processed quickly and easily. For a demonstration visit: http://www.adflex.co.uk/demo/avt.htm Adflex Integrated Solution (AIS) Adflex provide fully integrated solutions allowing seamless communication between your current computer systems and our payment gateway removing the need to re-key transaction information. Adflex Bureau Service (ABS) For those who do not want to use a software solution to accept purchase cards, take advantage of our Bureau Service. Simply send us your invoices in any electronic format and we’ll do the rest for you. Consultancy Services Our expertise of card processing systems allows us to offer unparalleled consultancy services. Our consultants are able to carry out onsite visits, undergo process evaluation and process formulation followed by detailed flowcharting and proposition of a tailored solution. Andy Downman Business Development +44(0)1277 268 755 PRESENTATION / EXHIBITION STAND
information exchange conference
• Visa (VGIS) • MasterCard One Card • American Express To find out how we can meet your purchasing card requirements, please contact us. Richard Renwick-Forster Business Development Manager sales@servebase.com PRESENTATION / EXHIBITION STAND
AirPlus International Your partner for the professional payment and analysis of your business trips. Payment, accounting, analysis and monitoring – AirPlus sets the global standards for the management of business travel costs. We offer intelligent products and customised solutions that not only make daily procedures – from payment to analysis - easier, but also target real reductions in your travel expenses thanks to a full and detailed analysis of your travel data. AirPlus helps you to expose areas in which savings can potentially be made and costs reduced. We have been offering complete solutions for business travel, planning, payment, settlement and analysis all over the world for more than 15 years. Almost every third business trip is settled via AirPlus. We take care of more than 32,000 business customers in 43 markets and manage more than 50 million transactions a year. With a strong emphasis on innovation we are able to continuously provide products that are relevant, reliable and market leading. There are five key factors to our success: We are experienced We are focused We are neutral We are innovative We are reliable PRESENTATION
We offer a complete solution and our comprehensive range of products span across: fuel management, vehicle funding, maintenance management, vehicle rental, risk and accident management and driver services. Bernard Tomkins Business Development Manager PRESENTATION
The Welsh Purchasing Card & ePayments Solutions - The Next Generation The Welsh Purchasing Card programme(WPC) joins together with Welsh Public Sector card programme users to demonstrate how a Central Government organisation are continuing to further develop and expand the potential in their card programme. Alan Oram Card Programme Manager Alan.Oram@Wales.GSI.Gov.UK PRESENTATION / EXHIBITION STAND
Servebase Servebase is a leading provider of card processing software solutions and services. Established for 21 years we are partnered & accredited with major banks and business partners globally. Our specialist sales team are here to offer you expert advice and help you select the best payment processing solution to fit your business requirements. We place the highest importance on understanding the individual requirements of our clients and, as well as ‘off-the-shelf’ payment services, we offer a bespoke solution development service. Each solutions is fully redundant, offers disaster recovery and includes access to our help desk which is staffed 24 hours a day, seven days a week, 365 days a year. Our commitment to security is demonstrated by our compliance with the requirements of the Payment Card Industry Data Security Standard (PCI DSS) for Level 1 Service Providers. Servebase payment processing solutions support the processing of purchasing card data up to Level 3 (Line Item Detail) for ‘B2B’ transactions. We support the following purchasing card schemes:
B&Q plc You can now use your Visa Purchasing Card at the country’s largest DIY retailer. Like you B&Q sees Purchasing Cards as a very effective and efficient means of procurement. B&Q have made a significant investment in becoming a Level 3 capable Purchasing Card merchant enabling B&Q to offer line item detail,including additional VAT information on all B&Q purchases. Visa Purchasing Cards, the story so far... • Huge EPOS upgrade programme 2006 with Level 3 enhancement as part of it. • December 2007 B&Q becomes Level 3 capable VGIS supplier. • Functionality available in all stores 330 stores across the UK open 7.00am to 9.00pm 7 days a week (most stores) with 35,000 products under one roof in the larger stores. • Accredited to OGC Retail Trade Framework and Trade Discount Cards available. Mike Cartwright mike.cartwright@b-and-q.co.uk PRESENTATION
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information exchange conference
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Invapay
Deecal International Ltd Deecal is renowned for its special combination of commercial card domain knowledge and accounting experience. Now a part of First Data; a leading global payments service provider, Deecal’s strengthened expertise, resources and capabilities have given the company a uniquely effective position in the payments market. The Deecal service offering provides companies with real-time visibility of their card-based expenditure and, via a comprehensive suite of features, allows them to perform cost allocation, tax management and spending analysis across a range of card products. The service also allows seamless integration with the clients’ own accounting systems. Deecal has worked with many processors, banks, travel agents, and a variety of other organisations in the EMEA & U.S regions. This accumulated wealth of knowledge has enabled the development of a truly global ASP solution that caters for the needs of domestic and multi-national organisations.
e-payments: resolving the issue of the large number of low value paper invoices and payments – the problematic One Time Only Transaction Vendor. Invapay the solution! Most organisations have similar purchase-to-pay profiles. The regular repetitive purchases and payments …… and that long-long-tail of low-value ad-hoc purchases and payments.
Incredibly the One-Time-Only-Vendor who cannot accept payment by procurement card accounts for 80% of your organisation’s purchase-to-pay administrative costs.
PRESENTATION / EXHIBITION STAND
The tip of the iceberg appears above the water ….. the majority of administrative costs are hidden below the surface! Invapay will save you time, effort and money by resolving the high disproportionate costs of low value ad-hoc invoices from non-merchants. Invapay is an online supplier portal which allows suppliers to self-register and automates the process of receiving and paying for low-value ad-hoc invoices. The purchase order flip model to accommodate and include SMEs who cannot accept payment by card. Payments are made to the SME in 7 days rather than the average of 60 days. Invapay revolutionises the performance of your organisation in handling low value one time only vendor transactions. Taking your organisation a step forward in pcard / e-enabled facilitated payment.
PRESENTATION
HSBC Bank plc
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 Head of Sales and Account Management mikeskelcher@HSBC.com EXHIBITION STAND / WORKSHOP
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Working with a wide range of companies, the bank’s team has provided tailored solutions for prepaid card programmes including foreign currency cards, ID and prepaid combi cards, corporate reward cards and online gaming cards.
Further, Alliance & Leicester Commercial Bank has links with public sector organisations – for example providing cards to Trafford Housing Trust for expenses payments purposes.
Studies have shown that this whole cycle costs $80 to $100.
Paul Muir Manchester City Council
Since 2006 Alliance & Leicester Commercial Bank has become a leading provider of bespoke prepaid cards to a diverse client base.
Interesting fact is that 50% of your suppliers are paid less than £1,000 which accounts for 0.7% of the total value of your annual expenditure.
Des Cahill SGeelon@deecal.com
Paul Muir SAP Change Team Leader - P2P Financial Management Division gives an overview of how Manchester City Council integrated their existing £70M turnover Purchase Card programme into SAP. How they are implementing the latest version of XiBuy from Paymetric and a move to operating their programme through the use of Lodge Cards.
Alliance & Leicester
There are also many prepaid card functions the bank offers to corporates – such as salary or expenses payments – that generate a more cost effective and secure system for managing these processes.
The vicious cycle of setting up a One-Time-OnlyVendor – a non-merchant – to pay that invoice for £50 or £100 or £200 – Never to be used or paid again. Then they require to be cleansed or deleted from you vendor file when you review your vendor database.
Integrating your Purchasing Card Programme and SAP
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Have you been missing something over the last 5 years? Or is your approach to purchase-to-pay perfect?. Are you truthfully getting the most from your: ERP, electronic purchase-to-pay marketplace or procurement card programme.
Deecal became part of the First Data family in 2007 and is now an integral part of a larger commercial cards and payments offering. First Data is a major payments processor and technology services provider to banks, finance companies and merchants across the world.
Manchester City Council
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Invapay revolutionises the performance of your organisation in handling low value payments. Taking your organisation a step forward in e-enabled payments. Sid Vasili Chief Executive Officer sid.vasili@invapay.com PRESENTATION / EXHIBITION STAND
The bank’s close relationship with Visa means it can provide Visa-branded prepaid cards that can be used for both face-to-face and card-not-present transactions wherever Visa is accepted. Cards can be provided in single use or re-loadable format, closed-loop to fit a client’s specifications, or fully Visa enabled and the bank can load cards with Sterling, Euros, or US Dollars. Indeed, providing tailored solutions is the cornerstone of Alliance & Leicester Commercial Bank’s prepaid card offering. And it is not merely the cards themselves that constitute the prepaid service. Alliance & Leicester Commercial Bank provides full support services, including card production and branding, customer registration, card issuance and loading, and lost/stolen card management. The bank can also offer a selfservice facility, which enables organisations that prefer to control the process, to issue and manage cards themselves. Peter Brownbill peter.brownbill@alliance-leicester.co.uk PRESENTATION
Payments Cards & e-Payment Solutions Conference
“The Next Generation”
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card payment solutions
Fujitsu B-Pad achieves Payment Card Industry (PCI) Compliance Fujitsu Services, one of Europe’s leading IT services companies has announced that its B-Pad is the first Microsoft Windows all-in-one mobile device to be awarded Payment Card Industry (PCI) compliance. The B-Pad is a lightweight mobile computer offering multiple functionality, including order processing, mobile payment, stock management and self-checkout. It is widely used by a number of leading retailers including TGI Friday’s and WH Smith. As a mobile unit, B-Pad helps retailers deliver increased store productivity and an enhanced shopping experience for customers. It is capable of managing customer transactions from product information requests, to stock availability queries, order processing and secure payment, providing a one-stop personalised solution for customers. It is also ideally placed to help retailers manage peaks and troughs in customer demand, providing a robust and highly effective queue busting solution. PCI compliance for the B-Pad encompasses both online and offline PIN entry, making it a highly attractive payment device for retailers to use across their entire global operation. Mark Keohane, head of self service and mobile solutions at Fujitsu Services comments: “The functionality of the B-Pad makes it an ideal device for improving and personalising customer experience. B-Pad frees staff from the counter, transforming the in-store service by enabling them to interact more closely with customers when taking orders, providing product information and processing payment. It offers an opportunity to reduce the number of fixed tills in a store, maximising trading space on the shop-floor while ensuring the speedy flow of customers through the store. B-Pad has the potential to transform the retail and hospitality industry in terms of card payment processes and transactions.” PCI compliance is awarded by the Payment Card Industry and is a global quality standard designed to help companies processing payments to prevent credit card fraud, hacking and other security threats. B-Pad has been awarded PCI compliance until 2014.
About Fujitsu Services Fujitsu Services is helping its customers realise the value of information technology through the application of consulting, systems integration and managed service contracts. It serves customers in the private and public sectors across Europe including retail, financial services, healthcare and government. In the retail sector, Fujitsu Services’ customers in the UK include The Co-operative Group, Vodafone, Mid-Counties Co-operatives, Royal Mail, Whitbread and Carpetright. In Europe its retail customers include La Rinascente (Italy), Auchan (France), The EDEKA Group (Germany) and Kesko (Finland).
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card payment solutions
What is a Purchasing Card? 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.
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. page 14
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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.
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Every transaction is authorised.
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No more chasing payment, a real saving in admin and accounts
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HMRC approved providing evidence of VAT
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Direct relationship between end user (buyer) and supplier.
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Potential to attract new business through purchasing card capability.
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.
Supplier’s considerations Before embarking on becoming purchasing card capable, the supplier needs to consider 3 key factors.
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Does the potential level of business merit investment in a system
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Which Purchasing card scheme is their customer going to use.
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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.
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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.
There are 3 typical levels of card information.
Steve Wilkins 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.
HEAD OF OPERATIONS, ITS
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card payment solutions
Search for Purchasing Card Capable Suppliers ...On-Line! Log on to:
www.search-online-now.co.uk
Making connections between Suppliers & Buyers
www.search-online-now.co.uk Has been developed to offer Public & Private Sector organisations a solution to source Purchasing Card Suppliers at Level One, Level Two and Level Three capability (LID capable). By providing an On-Line directory and search engine www.search-online-now.co.uk profiles suppliers business activities, products & services assisting both Public & Private Sector buying purchasing and contracting personnel to recruit UK based Purchasing Card Capable Suppliers. Existing and new Purchasing Card Capable Suppliers are able to amend, update and add their company details On-Line to www.search-online-now.co.uk on a self-administered basis.
www.search-online-now.co.uk Searches for Purchasing Card Capable Suppliers can be made amongst others by: -
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Business Categories Products & Services Merchant Category Codes Purchasing Card Capability at: Level 1, 2 or 3 Purchasing Card Capable Suppliers All level 2 Purchasing Card Capable Suppliers All level 3 Purchasing Card Capable Suppliers Suppliers Name, Contact Details or Post Codes Geographical Area or Regional Search
For further information please contact:Public Sector Suppliers Bureau Limited Tel: +44(0) 161 928 3502 Fax: +44(0) 161 928 1713 Email: info@search-online-now.co.uk Web: www.search-online-now.co.uk page 15