PURCHASING CARD www.purchasingcardnews.co.uk
Incorporating:
The Information Exchange for Card Payments Programmes, Transactions Processing & e-Payments Solutions
Edition 3 2010 Issue No 49
Sponsored & supported by:
PURCHASING CARD www.purchasingcardnews.co.uk
The Information Exchange for Card Payments Programmes, Transactions Processing & e-Payments Solutions
Purchasing & Card Payments and e-Payments Solutions Conference 2010 Getting to“The Point” of Card Payments
2010
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Contents
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Purchasing & Card Payments and e-Payments Solutions Conference 2010 Welcome to the Conference
3
Purchasing & Card Payments and e-Payments Solutions Conference 2010 Conference Agenda Timetable
4-6
American Express Payment Solutions, Driving Savings in the Public Sector
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Purchasing Cards have succeeded and failed A modern day enigma
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Adflex Bridging the Gap’ between Banks, Suppliers and Buyers
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Pivot Imagination
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ITS Powering World-Class Performance
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First Data Commercial Card Software Solutions
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BizAps Delivering Innovative ERP Solutions
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American Express brings world class expertise to the UK Public Sector
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Jargon Busters The Payments Industry own unique language
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Search-online-now Making connections between Suppliers & Buyers
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Issue No. 50 Publication Dates: Mailing Distribution from: Online version from: Copy Deadlines: Advertising Booking Deadline: Editorial & feature copy received by: Receipt of Advertising Copy:
25th March 2011 18th March 2011 18th February 2011 4th March 2011 4th March 2011
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www.purchasingcardnews.co.uk Purchasing Card News - Purchasing Card NewsLink – Purchasing Card & e.Payments Solutions Conferences “The Information Exchange 2011” Purchasing Card News TV are registered trading titles of:- Caxton House Marketing Limited. www.cardpaymentsolutions.co.uk Card Payment Solutions - Purchasing Card News User Group & Card Payment Solutions TV are registered trading titles of:- Card Payment Solutions Limited www.search-online-now.co.uk Search-Online-Now is a registered trading title of:Public Sector Suppliers Bureau Limited. 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 2010. All rights reserved. The publishers are not liable for the statements made and opinions expressed in this publication.
Welcome to the Conference “The Point” Lancashire County Cricket Club Brian Statham Way Old Trafford Manchester M16 0PX Thursday 11th November 2010 from 10:30 - 16:45 registration from 09:30 The Ninth-Annual “Information Exchange Conference” – Getting to the Point of Card Payments held at the exciting new purpose-built “The Point”; conference venue at Lancashire County Cricket Club in Manchester on Thursday 11th November 2010. From 10:30 – 16:45 Registration from 09:30 Lunch, Refreshments and Drinks Reception are all included with complimentary on-site Car Parking provided for attending delegates. The Purchasing Card Payments and e-Payments Solutions Conference 2010 concentrates on all aspects of Electronic & Commercial Card Payment Solutions and Services by presenting a series of leading edge presentations, case studies, exhibitors and workshops.
Our focus presentations and case studies include: Purchasing Card and Commercial Card Payment Solutions Corporate Card, Travel and Entertainment cards Fuel Card programmes Pre-Paid Cards - Rechargeable and Pre Loaded Cards Web based Card Management Transaction Solutions Lodge Cards for Enhanced Travel MI Integration of P-Cards with e-Procurement systems eProcurment Purchase to Pay technology e-Invoicing Solutions Electronic Data Interchange EDI
The Ninth-Annual “Information Exchange” Conference 2010 will stage new and exciting individual presentations throughout the day.
SAP and Oracle Integration Software Solutions
Our presentations will highlight the extensive range of solutions and services which provides you with the background knowledge of innovative payment solutions and services available by assisting your organisation to expand and develop existing programmes that deliver greater efficiencies with cost savings.
Expense Management
The extensive conference agenda of presentations, exhibitions, break-out sessions and workshops will illustrates just how the wide range of topics presented can affect how you start your programme, further develop and expand your current programmes.
Acquiring and Bureau Services Software Solution Providers Products and Services Electronic Payment Acceptance and Merchant Sign Up Programmed Implementation, Service and Compliance issues
The Purchasing Card Payments and e-Payments Solutions Conference 2010 gives you the ideal opportunity to appreciate new payment solution initiatives and choices that are currently available, that’s why The Purchasing Card Payments and e-Payments Solutions Conference 2010 at The Point is an important event.
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Purchasing & Card Payments and e-Payments Solutions Conference 2010
CONFERENCE AGENDA TIMETABLE Thursday 11th November 2010 from 10:30 - 16:45 registration from 09:30
MORNING SESSION from
Ashes & Boundary Suites
09.30 - 10.15
Registration & Refreshments
Ashes & Boundary Suites
10.15 - 10.30
Welcoming Address
Ashes & Boundary Suites
Century & Maiden Suites
BAE Systems Plc - Case Study
Integrating Purchasing Cards with SAP & Oracle
Mrs Sandeep Blackhurst will be talking about the cutting edge work that BAE Systems have achieved whilst working closely with their payments company. Sandeep will describe how they have faced the time consuming challenge of having various sources and suppliers. She will discuss how using spend analytics and an integrated solution has helped them achieve Control and Compliance in order to achieve savings and efficiencies.
The use of Procurement Cards has been trialled by buying organisations running Oracle & SAP systems, with varied success. The issues these companies have faced include the cost of integration, automatic reconciliation within their ERP systems, spend reporting, approval and compliance, commitment accounting issues, embedding Procurement Cards into the purchase to pay process and managing data into different systems. BizAps has developed a comprehensive solution to address all of the challenges above and provide buying organisations using Oracle & SAP with a fully integrated, highly compliant, easy-to-use system. This solution has been developed by an experienced payments and Oracle & SAP company.
BizAps
10.30 - 10.55 Includes question & answer session
Presented by Mrs Sandeep Blackhurst, Procurement Manager
Presented by Bob Mercer
Manchester City Council
11.00 - 11.25 Includes question & answer session
Manchester City Councils presentation gives an overview of how they have integrated their existing multi million pound turnover Purchasing Card Programme into SAP and how they are implementing a move to operating their programme through the use of lodge cards.
Whilst under the Government’s collaborative working aspirations how Manchester City Council are growing their programme by facilitating other public sector bodies to join their programme and implementing joint working initiatives which seek to achieve efficiency in procurement and cost savings for partners.
Allpay Prepay & Pre-loaded Payment Card Solutions Modernise your payment methods and processes with a new cost-effective payment solution. Prepaid Cards enable organisations to have more control over the distribution of their funds, moving away from costly cash, cheques & vouchers. Presented by Richard Roberts Head of Prepaid Card Sales
Presented by Paul Muir SAP Change Team Leader P2P Sap Business Support
Refreshment Break
11.25 - 11.45
Adflex
11.45 - 12.10 Includes question & answer session
Cemex
Payment Transaction Management Presentation & Workshop
Cemex Case study - How the world’s largest building materials supplier has used Purchasing Solutions to realise savings
Pat Bermingham and his experienced Purchasing Card industry team will demonstrate in their presentation and workshop why Adflex is the expert in the Purchasing Card industry and how it’s plain- speaking, knowledgeable team will understand all the issues and concerns a potential supplier may have. It has always been a challenge to recruit suppliers, yet it is essential if you are to have a successful Purchasing Card program. There are several reasons why supplier recruitment often fails: Lack of resource - Lack of incentive - Lack of information - Lack of knowledge.
Tony Power will share best practices from the world’s largest building materials supplier. He will provide insight in to the challenges faced by Cemex and how they have used purchasing solutions in order to realise efficiencies and drive substantial savings. Presented by Tony Power Senior Negotiator
American Express
12.15 - 12.45 Includes question & answer session
The American Express presentation will discuss how the public sector can respond to the recent Spending Review. It will look at the Efficiency Review by Sir Philip Green and discuss how real efficiencies require more than just the implementation of a Corporate Card programme. It will also demonstrate how American Express' consultative approach can ensure the realisation of substantial savings through a range of no cost payment solutions that have been developed specifically for the Public Sector. Presented by Peter Smith
Adflex have designed a range of tools that simplify the process for the supplier to make decisions and will support them and work with them to become Purchasing Card capable. There are also web-based tools available to give a full real-time overview to the cardholder organisation, as used by Citi Bank and Proctor & Gamble. Adflex experts will manage the relationship between the bank, the supplier and the customer – giving a really ‘joined up’ approach so that all parties are involved. There are Purchasing Card products to meet the needs of the low usage supplier or the high volume suppliers. The way Adflex has developed its solutions requires little or no technical expertise, allowing quicker, easier and cheaper ways to become capable without the need for investment in time and resources. With Adflex’s PCI DSS accreditation, and its solutions that use ‘tokens’ or ‘lodge cards’ suppliers do not have to worry about keeping their customers card numbers safe, Adflex do it for them saving them the costs, time and effort required to comply with PCI DSS rules. Let Adflex help with your supplier recruitment - we know our business you know yours - together we can do the business. Presented by Pat Bermingham and the Adflex team
The conference agenda may be subject to change without prior notice and is correct as at October 2010
Purchasing & Card Payments and e-Payments Solutions Conference 2010
CONFERENCE AGENDA TIMETABLE Thursday 11th November 2010 from 10:30 - 16:45 registration from 09:30 Cheshire East Council
Pivot
12.50 - 13.20 Includes question & answer session
Approve invoices and shopping carts on your Blackberry or mobile for cost savings and faster response times. Pivot’s solution is used by some of the world’s leading organisations and is easy to use, fast to deploy, and is all based on standard SAP so there’s no additional support or maintenance cost. CCM/Approvers and finance team’s quickly improve their response times and service performance levels whilst having a full audit trail of all approvals and rejections. Manchester City Council will be on hand to share their experience of this clever new SAP solution from Pivot, an SAP partner.
Unlocking potential through prepaid card solutions. The presentation will provide you with key information on how to develop and deliver your own Pre-Paid card programme solution, a simple cost effective solution to help you deliver personal budgets that will provide you and your customers with: Flexibility - Makes the most of Personal Budgets Control - Manages the account simply and effectively Support - Provides assistance through designated Bank contact centre Security - Fraud monitoring and PIN protection built in Efficiency - Enables cost effective management solutions Presented by Wynn Spencer Assurance Manager Social Care Redesign Cheshire East Council.
Presented by Chris Chittock
Delegates Lunch 13.30 - 14.30
AFTERNOON SESSION The Welsh Purchasing Card (WPC) Forum
14.30 - 15.00 Includes question & answer session
15.05 - 15.30 Includes question & answer session
15.30 - 15.45
WHERE NOW FOR PURCHASING CARDS? A VIEW FROM THE (WELSH) COALFACE It is more than a decade since the public sector started to embrace cards as an acceptable means of purchasing. Most central and local government organisations, NHS departments and education institutes now run a purchasing card programme of one size or another. During the past decade however the procurement scene has changed extensively and “competition” to cards has become less expense and more common. This session provides a personal view on some of the factors that should influence the decision to start or continue using cards and where their future in the public sector may lie. Presented by Alan Oram Welsh Assembly Government
Exhibition Stand Networking This period gives attending delegates a further opportunity to network more fully with scheme and solutions providers demonstrating products and service at their trade exhibition stands.
American Express Payment Solutions Workshop The American Express Workshop will be formed of two parts. The first half will explore the challenges facing the Public Sector and reveal how substantial savings can be realised by automating processes. It will give delegates the opportunity to meet the American Express team and learn about the benefits and functionality of each of the GPC American Express Payment Solutions.
The second half will be an open forum for discussions around procurement and give people a chance to ask questions and share their views on the demands set out by the Spending Review. There will also be an opportunity to discuss with Amex which solutions might best meet your organisation’s needs.
Refreshment Break
Conference Panel Discussion
15.50- 16.25 Includes question & answer session
16:45 - 18:00
The session is designed to discuss all the events and topics of the day with the presentation speakers and gives the delegates a further opportunity to network with the scheme and solutions providers.
Ashes & Boundary Suites - Drinks Reception The conference agenda may be subject to change without prior notice and is correct as at October 2010
Sponsored & supported by:
PURCHASING CARD www.purchasingcardnews.co.uk
The Information Exchange for Card Payments Programmes, Transactions Processing & e-Payments Solutions
2010
Exhibition Stands Ashes & Boundary Suites
Conference Supported by
PURCHASING CARD www.purchasingcardnews.co.uk
The Information Exchange for Card Payments Programmes, Transactions Processing & e-Payments Solutions
cardpaymentsolutions
To main entrance & toilets
Corridor
Stairs
Registration Area
Refreshments Area
Stairs
Bar
Bar
(Delegates Lunch)
Ashes & Boundary Suites
Balcony overlooking the ground
page 6 The conference agenda may be subject to change without prior notice and is correct as at October 2010
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Century Century Suite Suite
Exhibiton Stands
Screen
Maiden Suite
Bar
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Purchasing Cards have succeeded and failed. A modern day enigma. A personal view by
Steve Wilkins Adflex Steve has been managing different transaction types since the age of 16 (a long time ago). The last 18 years have been spent in the payment industry involved in every aspect of data handling, operational support and relationship mana gement. He installed the first Summary VAT Purchasing Card terminal and the first LID desktop solution in the UK.
They have succeeded in their purpose, yet they have failed to win overwhelming popularity. The industry’s mindset is as polarised as ever. Back in the late 90’s we saw the launch of Purchasing Cards in the UK. Much has changed and much has stayed the same. Since the introduction of Purchasing Cards in the UK, there was Visa, then MasterCard, Amex and Arval following suit. We had summary VAT, then LID and VGIS. Lloyds (Cardnet) became Lloyds TSB: Streamline (NatWest) became Streamline (RBS) which became RBS WorldPay. Midland Bank became HSBC then Global Payments. HMCE became HMRC. The Government of the day has changed from Conservative to Labour to Coalition. Even the cards themselves changed names depending on who was marketing them. Pcard, Onecard, WPC, CPC, GPC. One of the successes being the Welsh Purchasing Card (WPC) easily identifiable by the logo of the Welsh Dragon. It later caused concern and laughter when ‘chips’ were introduced. The location of the chip was originally very close to the rear end of the dragon. Technology rapidly changed too. Many payment solutions moved from traditional desktops to the Web. Expectations changed with it. End users became more sophisticated as they grew up with texting, Google, Facebook, creating their own websites, i-phones, i-pods etc. They were comfortable and switched on to ‘messaging’ in all its forms which included making payments. E-catalogues, E-Invoicing, E-Commerce, E-this, E-that, E-by-gum. A whole range of payment methods and systems were created (much to the delight, and pockets, of consultants) and some were even implemented. Purchasing Card was only one of them. Speed was becoming more essential for next day delivery challenges. Real time usage such as taxi fares needed addressing. More and more back end monitoring and control services such as SDOL became available. On-line data management systems page 8
evolved to deal with the vast number of transactions being carried out daily. Card security measures evolved; chip & pin, 3Dsecure, Verified by Visa, Address Verification, Card validation, PCI (DSS) which were all key security requirements (another consultant’s payday?). All cost time and money to develop and implement. Payment solutions evolved to address the requirements. Lodged cards and tokens were introduced to protect card identity. Spend hasn’t been restricted to low cost high volume items like stationery, it moved to whole new sectors including; building suppliers, civil construction, DIY, MOD, Armed Forces, universities, charities, emergency services, catering, education, housing trusts, central and local government and recruitment being one of the largest and highest value. The first £1m Purchasing Card transaction was carried out for new I.T equipment by a local authority. A JCB was hired on a Purchasing Card. Totally dispelling the myths of what it should be used for. In short, everything moved on – or did it? I have written many articles and given countless presentations over the years. When I reviewed them prior to writing this one – hardly anything has fundamentally changed in the Purchasing Card industry other than names and technology. There are still thousands of credit card terminals being used for Purchasing Cards. Cardholders still make telephone calls and give out their details. Invoices are still produced on paper. Paper statements are still being produced and sent out. What happened to ‘green’ policies and eco footprints? Today’s Government has made it very clear that savings have to be made. Efficiencies have to be found, accountability and value for money are essential. Purchasing Cards tick all those boxes. So why is it that there is such a huge divide between the have’s and have not’s? Where Purchasing Cards have been successfully introduced, it was not by accident. It was down to people who had the vision, believed in it and made it work. The industry is littered with many Purchasing Card programmes that were introduced and stalled. They invested in their time and identified the benefits, went down the path, but didn’t maintain the momentum and reap the rewards. Some, like Manchester City Council, put their efforts firmly into supplier recruitment. A ‘Champion’ drove it forward. The results have spoken for themselves with this probably being the best scheme in the UK. Case study after case study refers to the Manchester experience. In Wales, they too had a ‘Champion’ who managed to get up to 90% of all Welsh Public Sector Organisations using the Welsh Purchasing Card (WPC) and was committed through dedicated on-going awareness campaigns to increase the card capable supplier network. The WPC system serves to significantly improve the efficiency of the procurement process for Welsh Public Sector organisations and their suppliers that have enjoyed considerable cost savings.
© Caxton House Marketing Ltd / Adflex 2010
The most common reason for failure or stagnation of any Purchasing Card programme, Public or Private sector, is getting the suppliers onboard, getting them to see that there are benefits for them as well. Engaging with suppliers is crucial. Not a new revelation by any means, but talk is cheap. Actions speak louder than words. I am actually thrilled (sad as that might sound), that Adflex not only recognise the problem, but have proactively done something about it. Hallelujah, something new, something creative and constructive. Not just marketing words, Adflex are currently using it with a Global megacompany in several different countries for their supplier recruitment. We are using it for UK based companies, we are using it for a bank’s field sales force and we have Local Authorities lined up who want to use it. Sounds like flexibility to me! Adflex has created a Supplier Onboarding system that is web based. Given logon details, any stakeholder (issuer, acquirer, corporate, local authorities, project managers, and implementation managers etc.) can access and update the status of each supplier, taking them from initial contact through to the buyer signing off that the data is in the correct format. All via secure access and robust security. From now on, those deploying this tool managed by Adflex have a greater than ever chance to successfully recruit their suppliers. We are bridging the gap between Buyers, Banks and Suppliers. Somebody had to bring new momentum to the age old problem. This could well be it. Looking back over the years in this industry, so much opportunity has been lost through lack of knowledge, lack of resource, lack of enthusiasm and lack of ‘Champions’. Yet, I do still come across ‘Champions’ and organisations who want to succeed. However, when you do not have the in-house skills, experience or knowledge, you should outsource it just like you would any other service. This is what will make the difference for the future. Using the right people for the right job. The next few years, will see further fall-out from the recession; job cuts, spending cuts, Government policies and tighter budgets being imposed. The growing requirement for VAT information, details of spends and the continuous drive for sustainable efficiency will promote the use of Purchasing Cards like never before. Some things never change – but they can improve. Polarised mind sets or not, it is people, like you or me, that will determine the future of this market. People make companies. People make organisations. People make banks. People make Governments. People make success or failure. People make a difference. Anything can be achieved with enthusiasm. My glass is half full – cheers!
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About Adflex... Adflex is an independent, privately owned company specialising in payment software solutions and services. PCI DSS certified and approved with UK banks for our credit/debit, Purchasing Card and e-commerce Payment Gateway. Value-add services include our Supplier Onboarding System and Approval to Pay (A2P) solutions. Adflex is a leading provider of Level 3 solutions to blue chip global companies, SME's and Public Sector working in partnership with Issuers, Acquirers, Buyers and Suppliers. Supported by a very experienced team we keep solutions simple, user friendly and cost effective.
Virtual Terminals
Web based payment solution for Level1 and Level 3 Purchasing Cards
Bureau Services
Batch file solution, for Level 1 and Level 3 Purchasing Cards
Integration E.commerce A2P Client Portal
Fully integrated solution for Level 1 and Level 3 Purchasing Cards E-commerce solutions with 3Dsecure and VbV functionality Approval to Pay solution. Buyer capability to pre-approve transactions Supplier Onboarding Service
ADFLEX - ‘Bridging the Gap’ between Banks, Suppliers and Buyers For further information, or to discuss your requirements, please contact us.
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Adflex Ltd 284 Warley Hill Brentwood Essex CM13 3AB UK Tel: +44(0) 1277 268755 Email: sales@adflex.co.uk Web: www.adflex.co.uk www.vgis.co.uk
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Imagine… The next time you are out and about, waiting for a train, or a passenger in a car, being able to authorise purchase orders, approve invoices and shopping carts, check your assets register, or run a status report from your mobile. Mobile technology is the most valuable technology since the internet. With over 6 billion mobiles worldwide, whether you are checking your bank balance or making sure your dinner isn’t in the dog, we have all personally benefitted from mobiles whilst on the move. Pivot is now extending these personal benefits into our everyday working lives by challenging convention and helping deliver a visible difference in organisational productivity. Already Pivot are working with world leading organisations to convert downtime into productive time by taking back office SAP applications into the field where they can deliver most value.
Email forwarded to mobile device
Even Pivot’s most simple mobile applications lead to an immediate shift in perception about your responsiveness, flexibility and value of your IT infrastructure. What’s more, Pivot’s mobile applications are designed to allow you to react quickly to your organisational changes and challenges without spending a fortune. As the number and types of mobile devices continue to grow with user demand, Pivot believe speedy deployment is key. Pivot’s mobile solutions can also be deployed on any mobile device including Smart Phones, or Ipads, as long as you have SAP as a back office engine, whatever it is – ERP, SRM, APO or CRM. Pivot leverage the relevant SAP engine to deliver secure integrated mobile applications that liberate you from your office PC and make everyone’s lives easier. .… Imagine that!
“As part of the Pivot conference presentation Manchester City Council will be available to share their experience of deploying Pivot's mobile invoice approvals and shopping cart application”.
User selects
For further information on Pivot’s public sector SAP mobile applications please contact: info@cardpaymentsolutions.co.uk
Pivot plc 3 Maritime House The Hart Farnham Surrey GU9 7HW t: +44 1252 711825 f: +44 1252 821588 www.pivotplc.com
MAKING A VISIBLE DIFFERENCE Select link to SAP page 10
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Get more Level 3 data with ITS Simpler integration eliminates supplier rekeying The launch of Procurer Advance eases Level 3 supplier recruitment by simplifying card payment integration for merchants. Get the data you need With businesses everywhere looking to increase efficiency, asking your suppliers to provide enhanced data can be difficult. Procurer Advance automates data capture for merchants by capturing full Level 3 transaction details directly from their order processing system. Integration is simple and one solution enables merchants to accept all major card schemes.
Improve invoice accuracy By eliminating rekeying, Procurer Advance ensures that all your invoice details are accurately captured and presented back to you as quality Level 3 data.
Lodged cards reduce maverick spend Your employees can conduct transactions securely and easily without needing to quote card numbers. All your cards are lodged directly with your chosen suppliers and a quick call or e-mail is all it takes to make a purchase. This ensures purchases are made at approved suppliers and helps to reduce maverick spend.
Help with supplier recruitment Engaging suppliers is key to the success of any purchasing card programme. We’ve been working with merchants of all sizes for over 20 years and are experts in guiding suppliers through the data capture process. Our knowledgeable team are available to advise on the phone or at supplier events. Should space be a challenge, we can host supplier gatherings for you in our purpose-built conference suite. If you are looking to engage merchants, give us a call and ask how we can help you with supplier recruitment.
Moving forward In response to continued expansion, ITS has moved to new offices in Langstone, Hampshire.
For more information please contact:
0845 504 6330 Email: sales@InteractiveTS.com Web: www.InteractiveTS.com Interactive Transaction Solutions Ltd Langstone Technology Park Langstone Road, Havant Hampshire PO9 1SA
POWERING WORLD-CLASS PERFORMANCE
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Commercial Card Software Solutions First Data Commercial Services (FDCS) provides commercial card software solutions for banks and organisations throughout Europe and the U.S, using a hosted SaaS model. Established in 1996, FDCS (previously known as Deecal) is renowned for its domain expertise and intellectual capital in the commercial card industry. Its service offering known as D.Cal provides companies with real-time visibility of their card-based expenditure. The product suite includes; Purchasing Card Manager (PCM) Purchasing Card Manager (PCM) is a web-based solution that gives the client on-line access to their procurement transactions. PCM provides the tools to analyze spend, reclaim tax, and automate the tax coding and cost coding of P-card transactions. PCM is a hosted service, so there is no installation cost, and no need to buy or install computer hardware reducing the implementation time for the customer. With PCM one can exploit the real potential of purchasing cards - to drive down administration costs and the price paid for goods and services. Program highlights include - On-line real-time reporting and analysis, Daily access to transactions on-line, Automatic cost coding and tax coding of transactions, Early fraud detection, Merchant based reporting, Cardholder activity reporting, Evidence for tax reports and Enterprise Resource Planning (ERP) Integration.
Expense Claim Manager (ECM) In some instances, the cost of processing a reimbursement can almost equal the average claim value. ECM streamlines the administrative stages of expense claim processing - time wasted moving paper around the office, waiting for statements to arrive from the bank, chasing department managers to approve claims, checking for policy exceptions, and following-up overdue expenses. With ECM, staff can receive their reimbursements in a third of the time it would take without expense automation, and spend much less time preparing their expense claims. ECM provides on-line enquiries that highlight policy exceptions, so that claims forms do not have to be spot-checked manually. Program highlights include -Expense automation, Add out-of-pocket and mileage items, Automatic cost coding of each expense, On-line ECM enquiries, Pre-populated claims, Low investment, immediate benefit, Identify fraud and ERP Integration.
Lodge Program Manager (LPM) Lodge Manager is a service that provides a cost effective and simple means of managing and allocating spend for all travel expenses for a company. The Lodge Card allows a company to book all travel spend for the business with their chosen travel agency. Travel spend is managed on the card - ensuring the availability of electronic management information without the need to issue individual cards to staff. Lodge Manager takes the statement information from a client’s bank and retrieves the enhanced travel information from a selected travel agent. The service then matches the two sources of data to provide detailed management information (MI) on travel spend via reports and exports. Program Highlights include – Manages companies travel expenses, Detailed management information (MI) on travel spend via reports and exports, Full cost allocation of travel expenses and Cost effective solution (no physical card costs).
Contact:
Sonya Geelon, Sales Manager Tel: +353-1-6762700 Email: sgeelon@deecal.com
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he use of Procurement Cards has been trialled by buying organisations running Oracle & SAP systems, with varied success. The issues these companies have faced include the cost of integration, automatic reconciliation within their ERP systems, spend reporting, approval and compliance, commitment accounting issues, embedding Procurement Cards into the purchase to pay process and managing data into different systems. BizAps has developed a comprehensive solution to address all of the challenges above and provide buying organisations using Oracle & SAP with a fully integrated, highly compliant, easy-to-use system.
T
This solution has been developed by an experienced payments and Oracle & SAP company. Benefits Delivered: Manage P-Cards within Oracle & SAP Systems A truly integrated purchase to pay process Automated reconciliation Web based tool for ease of use Mapping line items to your existing material groups for enhanced spend analysis Audit tracking Ability to create purchase orders and commitments for P-cards within Oracle & SAP Ability to capture line item level details.
Bob Mercer Director TEL +44 (0)870 240 8212 BizAps, A WNS Group Company Delivering Innovative ERP Solutions www.bizaps.net
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To help understand the Payments Industry own unique language, we thought of a good idea to produce a Glossary of Terms of the most commonly used terms, acronyms and abbreviations associated with payments transaction processing and e-Commerce applications. This glossary of terms will be especially beneficial for those in the early stages of development and implementation of Purchasing & Card Payment Solutions Programmes. For further information please contact: info@purchasingcardnews.co.uk Acquirer or acquiring bank
Customer Reference Code (CRC)
Management Information (MI)
The bank where a merchant has an account to process transactions and credit payments
Reports and expenditure analysis for monitoring your purchasing card spend.
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.
Fraud-prevention mechanic that verifies a customer address against a card
Daily Transaction File (DTF) The transaction file that includes all of your Purchasing Card spend for the previous 48 hours.
AVV/CID The American Express equivalent of AVS & CVC2
DCC Dynamic Currency Conversion
BIN
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
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
ECI Electronic Commerce Indicator A mandatory requirement from card Schemes to distinguish transactions generated through the Internet
Government Procurement Card (GPC) Same as a VPC but specifically aimed at Government Agencies and Bodies.
Level 1 Supplier VISA Capable Suppliers (accept Purchasing Cards but are non-VAT enabled otherwise referred to as NVE supplier).
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.
Level 2 Supplier
CNP Cardholder Not Present
Level 3 Supplier
For example, Mail order or Internet transaction processing
Commodity Codes (CC) VISA specified codes for categorising the actual commodity (eg: nuts and bolts). Approximately 300codes.
Cost Allocation Codes (CAC)
VAT Capable Suppliers (accept Purchasing Cards and provide the facility for a customer reference code and summarised VAT total).
American Express Corporate Purchase Card – effectively the Amex version of VISA & MasterCard Purchase Cards
Merchant Category Groups (MCG) VISA specified groups for categorising types of spend (eg: airlines, cash advance). Approximately 35 groups
MID The Merchant Identification Number with the bank acquirer.
Point of Sale (POS) Terminal at supplier through which the transaction is processed.
PSP Payment Service Provider
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.
SPA/UCAF The Mastercard equivalent of VbV (Now also known as MasterCard SecureCode)
Value Added Tax (VAT)
LID Line Item Detail
A methodology introduced by the Card Scheme and Banks to provide an additional, secure cardholder verification process prior to an Internet transaction proceeding.
Line Item Detail (LID)
CPC
VISA specified codes for categorising vendors (eg: stationery). Approximately 250 codes.
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).
The auxiliary data attached to a purchase card transaction to qualify for VAT certification in place of an invoice (UK).
Applying internal cost coding to each Purchasing Card Cardholder (eg: cost centre number, department number or budget number).
Merchant Category Codes (MCC)
Suppliers with LID capabilities have software installed at their premises that will provide an individual line of detail for every commodity purchased.
Tax that is added to each commodity at the appropriate rate depending on the commodity purchased.
VbV “Verified by Visa”
VGIS Visa Global Invoice Specification.
Visa Purchasing Card (VPC) Charge card commonly used for low value, high volumetransactions.
Low Value Goods (LVG) Typical commodities bought using a Purchasing Card would be LVG (eg: stationery). © Copyright Caxton House Marketing Limited 2004. All rights reserved.
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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: -
• • • • • • • • •
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