Safe & Quick Mobile Payment. SQ is an authentication and payment system for mobile, cashless and contactless payment via Smartphone.

Size: px
Start display at page:

Download "Safe & Quick Mobile Payment. SQ is an authentication and payment system for mobile, cashless and contactless payment via Smartphone."

Transcription

1 Safe & Quick Mobile Payment SQ is an authentication and payment system for mobile, cashless and contactless payment via Smartphone.

2 THE TARGET GROUPS Everyone can benefit from SQ PAYMENT SERVICE PROVIDERS, looking for a new and totally secure authentication and payment procedure that can be easily integrated into existing offers. LARGE AND MEDIUM-SIZED BUSINESSES, wishing to deploy an innovative, economically attractive and secure payment system. E-COMMERCE MERCHANTS, wanting to reduce their dropout rate during check-out and benefit from fast payouts and lower default risks. SMALL BUSINESSES, looking for an alternative to cash payments, without the need to invest in a new POS system or other hardware. OTHER EXAMPLES FOR USING SQ WITH YOUR INDIVIDUAL POS CAN BE FOUND ONLINE: THE PRODUKT Safe & Quick Mobile Payment at a glance SQ is an independent transaction platform that enables cashless mobile payments, wherever and whenever needed. The payment procedure is completed by scanning a QR code and inputting a PIN code. The QR code can appear in brochures, posters, receipts or even in the online shop. The underlying SQ technology can be easily integrated into existing applications by merchants and payment service providers. SQ gives you and your customers more independence, whilst offering you one of the safest payment processes on the market, thanks to its patent-pending authentication technology. SQ is a white label solution. With mr. commerce, customers can access this technology using our own end-user app SQWALLET.

3 MAXIMUM SECURITY GUARANTEED Two-way authentication CUSTOMER MERCHANT APP 3. Code scan POS 4. Transaction ID is sent 1. Authorisation request 6. Sends payable amount 7. Sends PIN 8. Payment confirmation 8. Payment confirmation 5. Transaction ID is compared 2. Transaction ID is sent as a QR code AUTHENTICATION-SERVER The SQ authentication server is at the core of the mobile payment process. The innovative, patent pending, two-way authentication process guarantees maximum security to end users: for this process an authorisation request is sent from the POS to the authentication server. The server responds with a unique transaction ID, marked with a timestamp, that is shown as a QR code at the POS. The user scans this QR code with a smartphone and sends back the coded ID to the authentication server. The server compares the two IDs and sends the payable amount to the user s app for confirmation. The user then confirms the purchase by entering his or her personal PIN and the authentication server sends back a payment confirmation to the POS and user.

4 SQ IN USE Possible application scenarios CASHLESS PAYMENTS IN A SHOP WINDOW SHOPPING ONLINE SHOPPING PAYMENT FROM PRINTED INVOICES PAYMENT AT THE DISPLAY OF VENDING MACHINES BROCHURES, POSTERS AND FLYERS ONLINE, OFFLINE OR TV ADVERTISING GOOD REASONS TO USE SQ The product offers these advantages SECURE PROCESSING Unique authentication technology, offering absolutely secure payment processing and data transfer. Data storage on domestic servers, data owned by the customer. RELIABLE AND FAST Fast transactions, fast payout, secured debit, payment history and overview available at any time. AFFORDABLE TO USE Free app, low transaction charges, no fixed contract periods. INNOVATIVE AND OPEN In addition to all standard payment methods (currently direct debit, in the future also credit cards, PayPal and invoiced purchase), it is also possible to integrate loyalty programmes and couponing. FLEXIBLE INTEGRATION White label to use with your own branding, easy integration into existing applications (apps, online shops, POS systems). EVERYTHING FROM ONE SOURCE Complete service that includes settlement, receivables management and payment collection.

5 THIS IS HOW PAYMENT WORKS SQ in three steps 1. SCAN QR CODE The customer scans the QR code from the medium displaying the code, such as receipt, screen, or poster with the SQWALLET app. 2. CONFIRM PAYMENT After a successful scan, the amount payable appears on the display and is confirmed by the customer. 3. ENTER PIN To complete the payment process, the customer enters his or her personal PIN. USE SQ WITH YOUR OWN BRANDING Integration options Integrate SQ quickly and easily into your existing app and allow your customers to make cashless payments securely, both online and offline. WE OFFER DIFFERENT WAYS TO INTEGRATE SQ IN YOUR OWN APP: 1. INDIVIDUAL SOLUTION (CLOSED LOOP) Our mobile payment technology is integrated into your app and guarantees you the functionality of secure authenticating and payment the SQ brand will not be visible to customers. 2. SQ NETWORK (OPEN LOOP) Our mobile payment technology is integrated into your app with the SQ logo. At your POS you can accept payment from your own app and all other apps that have integrated SQ and your clients will be able to pay with your app at other manufacturers, merchants and service providers. Of course, you can also combine both variants together and for example accept all SQ apps at your POS, whilst allowing clients using your app to pay only in your shops.

6 THE COMPANY mr. commerce mobile lifestyle mr. commerce operates an independent transaction platform for mobile payment. The company operates as a technical solution provider and offers advice to merchants and payment service providers regarding the integration, implementation and payment settlement from mobile payment procedures. mr. commerce is a subsidiary of the mr. net group, one of the leading specialists in Germany for payment and payment settlement, and benefits from being part of a strong group of companies with many years of experience in the entire transaction process from settlement and receivables management, right through to payment collection. OUR SERVICES At a glance Technologies, applications and services for mobile payments, mobile couponing and mobile advertising. Combining modern technologies with progressive ideas and developing innovative solutions for online shops, restaurants, retail shops and others. Convenient, efficient and secure payment systems and integrated couponing solutions. Integration of technology into existing (POS) solutions or providing a merchant application for mobile devices. Availability of an authentication server and a transaction management system. Assumption of end user payment settlements and clearing between the parties involved. mr. commerce GmbH Linkstraße Berlin - Telefon:

Mobile Payment: The next step of secure payment VDI / VDE-Colloquium. Hans-Jörg Frey Senior Product Manager May 16th, 2013

Mobile Payment: The next step of secure payment VDI / VDE-Colloquium. Hans-Jörg Frey Senior Product Manager May 16th, 2013 Mobile Payment: The next step of secure payment VDI / VDE-Colloquium May 16th, 2013 G&D has been growing through continuous innovation Server software and services Token and embedded security Cards for

More information

Phoneline Banking Mobile Banking Cash machines Branches Online Banking www.firsttrustbank.co.uk 028 9034 6034 Ask at any branch

Phoneline Banking Mobile Banking Cash machines Branches Online Banking www.firsttrustbank.co.uk 028 9034 6034 Ask at any branch Phoneline Banking Mobile Banking Cash machines Branches Online Banking Ways to Bank Secure and convenient banking options to fit your lifestyle www.firsttrustbank.co.uk 028 9034 6034 Ask at any branch

More information

Use Cases for Mobile NFC Meeting Retail

Use Cases for Mobile NFC Meeting Retail Use Cases for Mobile NFC Meeting Retail, 2012 Neil Garner Founder & CEO Who are Proxama? Enabling Your Mobile Contactless World Proxama is the next generation mobile commerce company that connects the

More information

A Solution to the Mobile Wallet Conundrum

A Solution to the Mobile Wallet Conundrum A Solution to the Mobile Wallet Conundrum 2014 Cortex MCP Page 1 Introduction: A new approach is needed to make the Mobile Wallet mainstream More people than ever are using smartphones to place and take

More information

Payment Pebble Mobile Application API

Payment Pebble Mobile Application API Payment Pebble Mobile Application API 1. Introduction The purpose of the Payment Pebble Mobile application API is to allow third party integration of the Payment Pebble as payment processing device into

More information

EMP's vision is to be the leading electronic payments processing company in the emerging markets of Africa and the Middle East.

EMP's vision is to be the leading electronic payments processing company in the emerging markets of Africa and the Middle East. EMP's vision is to be the leading electronic payments processing company in the emerging markets of Africa and the Middle East. EMP's mission is to be at the forefront of the region's electronic payments

More information

Less is More: Streamlining Commerce for the Campus Advantage

Less is More: Streamlining Commerce for the Campus Advantage Less is More: Streamlining Commerce for the Campus Advantage AGENDA Campus Commerce is BIG Business $$$ Revenue Opportunity is Growing Campus Cards are Used Everywhere for Almost Anything Technology What

More information

SAFETY FIRST. Useful security tips and current consumer information on the online payment method paysafecard

SAFETY FIRST. Useful security tips and current consumer information on the online payment method paysafecard SAFETY FIRST Useful security tips and current consumer information on the online payment method paysafecard 1 paysafecard: Paying online safely. Every day, tens of thousands of people pay quickly and

More information

Mobile Financial Services

Mobile Financial Services Mobile Financial Services CANTO AGM 2014 January 27, 2014 27 janvier 2014 1 Agenda MoreMagic and Oberthur Technologies International TopUp and White label The Digital Revolution The Caribbean Opportunity

More information

AT&T Mobile Barcode Services

AT&T Mobile Barcode Services Product Brief AT&T Mobile Barcode Services Managed Experience at the Moment of Interest. Traditional media represents the vast majority of today s total advertising spend. However, print, TV, point of

More information

Digital Commerce in Retail: Supporting a Common Mobile Customer Journey RETAILER SURVEY - CONDUCTED NOVEMBER 2014

Digital Commerce in Retail: Supporting a Common Mobile Customer Journey RETAILER SURVEY - CONDUCTED NOVEMBER 2014 Digital Commerce in Retail: Supporting a Common Mobile Customer Journey RETAILER SURVEY - CONDUCTED NOVEMBER 2014 Digital Commerce in Retail: Supporting a Common Mobile Customer Journey CONTENTS 1. Background

More information

Euronet s Contactless Solution

Euronet s Contactless Solution Serving millions of people worldwide with electronic payment convenience. Euronet s Contactless Solution Fast, Secure and Convenient Transactions with No Swiping, PIN or Signature Copyright 2011 Euronet

More information

Company Profile. Fourth quarter 2014

Company Profile. Fourth quarter 2014 Company Profile Fourth quarter 2014 CartaSi SpA Azienda del Gruppo ICBPI Corso Sempione 55 20145 Milano T. +39 02 3488.1 F. +39 02 3488.4180 www.cartasi.it CartaSi S.p.A. is the leading company in Italy

More information

Mobile Wallet Platform. Next generation mobile wallet solution

Mobile Wallet Platform. Next generation mobile wallet solution Mobile Wallet Platform Next generation mobile wallet solution Introduction to mwallet / Mobile Wallet Mobile Wallet Account is just like a Bank Account User s money lies with the Mobile Wallet Operator

More information

Omnichannel Payments

Omnichannel Payments Omnichannel Payments The Connected Consumer The way consumers buy goods and services is changing profoundly We now exist in a truly global, connected and digital world. A world of choice that lets us purchase

More information

Solutions for Cashless Payments. ConCardis Overview. Debit and Credit Card Acceptance. Services and Innovations

Solutions for Cashless Payments. ConCardis Overview. Debit and Credit Card Acceptance. Services and Innovations Solutions for Cashless Payments ConCardis Overview Debit and Credit Card Acceptance Services and Innovations Contents Seite Everything from a single source: comprehensive solutions for card processing

More information

PAYMENTS AS A SERVICE. Fully managed multi-channel card acceptance for all business environments. www.verifone.co.uk

PAYMENTS AS A SERVICE. Fully managed multi-channel card acceptance for all business environments. www.verifone.co.uk PAYMENTS AS A SERVICE Fully managed multi-channel card acceptance for all business environments www.verifone.co.uk Whether small or large, PAYware Ocius s multi-channel flexibility can transform your s

More information

Payment Services. The Retail Solution. for large and multi-national retailers

Payment Services. The Retail Solution. for large and multi-national retailers Payment Services The Retail Solution for large and multi-national retailers A one-stopshop solution for retailers Contents SIX Payment Services 04 The customer experience 05 The Retail Solution 06 Our

More information

AnytimeCard. Advancing Your Mobile Marketing Strategy. AnytimeCard Inc Jim JK Koretz jk@anytimecard.mobi www.anytimecard.

AnytimeCard. Advancing Your Mobile Marketing Strategy. AnytimeCard Inc Jim JK Koretz jk@anytimecard.mobi www.anytimecard. AnytimeCard Advancing Your Mobile Marketing Strategy AnytimeCard Inc Jim JK Koretz jk@anytimecard.mobi www.anytimecard.mobi 888-696-8623 AnytimeCard AnytimeCard was founded to provide innovative affordable

More information

A new Payments Services Directive and a Regulation on Interchange Fees for card-based transactions Examining key implications for end users

A new Payments Services Directive and a Regulation on Interchange Fees for card-based transactions Examining key implications for end users A new Payments Services Directive and a Regulation on Interchange Fees for card-based transactions Examining key implications for end users On 24 July 2013 the European Commission adopted a legislative

More information

U.S. Mobile Payments Landscape NCSL Legislative Summit 2013

U.S. Mobile Payments Landscape NCSL Legislative Summit 2013 U.S. Mobile Payments Landscape NCSL Legislative Summit 2013 Marianne Crowe Vice President, Payment Strategies Federal Reserve Bank of Boston August 13, 2013 2 Agenda Overview of Mobile Payments Landscape

More information

TOURISM INNOVATIVE PAYMENT SOLUTIONS. Efficient, flexible, worldwide and secure

TOURISM INNOVATIVE PAYMENT SOLUTIONS. Efficient, flexible, worldwide and secure TOURISM INNOVATIVE PAYMENT SOLUTIONS Efficient, flexible, worldwide and secure 2 THE FUTURE OF PAYMENT FOR THE TOURISM AND TRAVEL BUSINESS The PERFECT PARTNER Wirecard is one of the world s leading independent

More information

prepaid Prepaid Launch the ideal prepaid card scheme for your business quickly and efficiently

prepaid Prepaid Launch the ideal prepaid card scheme for your business quickly and efficiently prepaid Launch the ideal prepaid card scheme for your business quickly and efficiently services can help you manage everything from gift vouchers and social welfare benefits, to meal cards, corporate rewards,

More information

Trends in Merchant Payment Acceptance

Trends in Merchant Payment Acceptance Trends in Merchant Payment Acceptance December 6, 2007 Credit approval required. Merchant accounts are issued through BB&T Bankcard Corporation, a Georgia Corporation, Member FDIC. 2007 BB&T. All rights

More information

First Data Retail Solution

First Data Retail Solution First Data Retail Solution Challenge: POS Limitations Not enough functionality Expensive Support Plans Limited salability to about 20% of retail market No complex products or tracking of rental businesses

More information

Appendix. Data Tables

Appendix. Data Tables Appendix Data Tables Index of Tables Part 1: In-Store Payment Preferences...167 1.1 What payment products do you have?...167 1.2 How often do you use the following payment methods for purchases in stores?...167

More information

Can merchants keep up with all this change?

Can merchants keep up with all this change? Can merchants keep up with all this change? EPCA Payment Summit 21 March 2013 Chris Jones Director V1 14/08/2012 It s already a complicated world payments out there Discounts and Offers PC and Mobile Check-Out

More information

EuroCIS. Inspiration Innovation Vision. 24 26 February 2015. Visitor information. The Leading Trade Fair for Retail Technology

EuroCIS. Inspiration Innovation Vision. 24 26 February 2015. Visitor information. The Leading Trade Fair for Retail Technology EuroShop Trade Fairs Inspiration Innovation Vision EuroCIS The Leading Trade Fair for Retail Technology 24 26 February 2015 Düsseldorf, Germany www.eurocis.com GB Visitor information The No 1 in Europe:

More information

GS1 Digital Coupons. 13 February 2012 Jean-Luc Champion GSMP ecom Process Manager GS1 Global Office

GS1 Digital Coupons. 13 February 2012 Jean-Luc Champion GSMP ecom Process Manager GS1 Global Office GS1 Digital Coupons 13 February 2012 Jean-Luc Champion GSMP ecom Process Manager GS1 Global Office Agenda Potential of Digital Coupons GS1 Digital Coupons Standard 2 Usage and Potential of Mobile Couponing

More information

Special Report: Trends in Mobile Payment April 2015

Special Report: Trends in Mobile Payment April 2015 Special Report: Trends in Mobile Payment April 2015 Contents Executive Summary Consumers Adopting Mobile Mobile Payment Methods Leveraging Mobile Payments Enabling Your Business 2 Confidential & Proprietary

More information

Face to face payment solutions. Mobile strategy for businesses on the go

Face to face payment solutions. Mobile strategy for businesses on the go Face to face payment solutions Mobile strategy for businesses on the go Contents 3. Overview 4. Online and offline merge 5. Contactless payments 6. Apps and the ewallet 7. Graphic: Rising payment trends

More information

South African Payment Gateways

South African Payment Gateways A guide to South African Payment Gateways Updated September 2013 We Craft Digital Magic www.theforge.co.za THERE ARE TWO TYPES OF PAYMENT GATEWAY PROVIDERS IN SOUTH AFRICA those that require a client to

More information

MOBILE PAYMENT INNOVATIVE SOLUTIONS. Modular, global, flexible and secure

MOBILE PAYMENT INNOVATIVE SOLUTIONS. Modular, global, flexible and secure MOBILE PAYMENT INNOVATIVE SOLUTIONS Modular, global, flexible and secure 2 THE FUTURE OF PAYMENT IS MOBILE MOBILE PAYMENT Wirecard is an end-to-end provider of solutions and services for multifunctional,

More information

Inside the Mobile Wallet: What It Means for Merchants and Card Issuers

Inside the Mobile Wallet: What It Means for Merchants and Card Issuers Inside the Mobile Wallet: What It Means for Merchants and Card Issuers Welcome to the age of Universal Commerce commerce that is integrated, personalized, secure, open, and smart. The lines between in-store

More information

Interoperable Mobile Payment A Requirements-Based Architecture

Interoperable Mobile Payment A Requirements-Based Architecture Interoperable Mobile Payment A Requirements-Based Architecture Dr. Manfred Männle Encorus Technologies GmbH; product management Payment Platform Summary: Existing payment methods like cash and debit/credit

More information

THE OMNICHANNEL CONSUMER

THE OMNICHANNEL CONSUMER THE OMNICHANNEL CONSUMER KEY FINDINGS FROM THE DELOITTE REPORT THE OMNICHANNEL OPPORTUNITY TO HELP RETAILERS UNLOCK THE POWER OF THE CONNECTED CONSUMER INTRODUCTION The internet and mobile devices have

More information

www.margento.com mobile transaction solutions

www.margento.com mobile transaction solutions www.margento.com mobile transaction solutions PHASE 1 Successful cities must balance social, economic and environmental needs. They must transform from passive services administrators to proactive managers

More information

Chair: Russell Schrader, Visa, Inc., San Francisco, California Vice Chair: Veronica K. McGregor, Jones Day, San Francisco, California

Chair: Russell Schrader, Visa, Inc., San Francisco, California Vice Chair: Veronica K. McGregor, Jones Day, San Francisco, California American Bar Association Committee on Consumer Financial Services Electronic Banking and Internet Delivery Subcommittee Winter Meeting Park City, Utah January 7-10, 2012 ELECTRONIC BANKING AND INTERNET

More information

THE FUTURE OF SHOPPING INDOOR ANALYTICS AND MOBILE PAYMENT

THE FUTURE OF SHOPPING INDOOR ANALYTICS AND MOBILE PAYMENT THE FUTURE OF SHOPPING INDOOR ANALYTICS AND MOBILE PAYMENT Cem Ergün-Müller (Head of Communications, Telekom Innovation Laboratories) March 2014 Streng vertraulich, Vertraulich, Intern Autor / Thema der

More information

Developing a Card and NFC Issuer Strategy

Developing a Card and NFC Issuer Strategy Developing a Card and NFC Issuer Strategy Marc Airo-Farulla MBA Director Strategy & Innovation ABnote Australasia 2013 American Banknote Corp. All rights reserved 2013 American Banknote Corp. All rights

More information

CREDIT CARD PROCESSING AND MERCHANT SERVICES

CREDIT CARD PROCESSING AND MERCHANT SERVICES CREDIT CARD PROCESSING AND MERCHANT SERVICES provides credit card processing and merchant services for a wide range of business types - including retail, e-commerce, professional services, restaurants,

More information

A Brand New Checkout Experience

A Brand New Checkout Experience A Brand New Checkout Experience EMV Transformation EMV technology is transforming the U.S. payment industry, bringing a whole new experience to the checkout counter. Introduction What is EMV? It s 3 small

More information

A Brand New Checkout Experience

A Brand New Checkout Experience A Brand New Checkout Experience EMV Transformation EMV technology is transforming the U.S. payment industry, bringing a whole new experience to the checkout counter. Introduction What is EMV? It s 3 small

More information

Smartphone CRM system

Smartphone CRM system Smartphone CRM system (1) Membership Coupon publisher. (2) Coupon deliver. (3) Online Ordering. (4) Online Booking. Customers bring benefit Powered by YoungPOS Introduction Touch screen Point of Sales

More information

How Mobile Point of Sale (POS) can help the emerging cashless society

How Mobile Point of Sale (POS) can help the emerging cashless society Nigeria Inter Bank Settlement System 20 th Anniversary How Mobile Point of Sale (POS) can help the emerging cashless society Tony Lloyd-Weston Powa Technologies A little background on mpowa MPowa is an

More information

Integrated Payment Solutions

Integrated Payment Solutions Payment Services Integrated Payment Solutions for hospitality, parking and web Tailor-made payment solutions for your business. 2 SIX Payment Services The right choice SIX Payment Services provides financial

More information

Mobile Commerce. Deepankar Roy, Ph.D. National Institute of Bank Management, Pune, India

Mobile Commerce. Deepankar Roy, Ph.D. National Institute of Bank Management, Pune, India Mobile Commerce Deepankar Roy, Ph.D. National Institute of Bank Management, Pune, India Outline What is mobile commerce? What are the different ways through which mobile commerce happens? Mobile Commerce

More information

OFFER POS terminals. 72 Wielicka Street, 30-552 Kraków, Poland tel.: +48 12 688 26 00 fax: +48 12 688 26 99 email: sales@dotpay.pl

OFFER POS terminals. 72 Wielicka Street, 30-552 Kraków, Poland tel.: +48 12 688 26 00 fax: +48 12 688 26 99 email: sales@dotpay.pl OFFER POS terminals 72 Wielicka Street, 30-552 Kraków, Poland tel.: +48 12 688 26 00 fax: +48 12 688 26 99 email: sales@dotpay.pl 1. WHY? We believe that you will find the answer to this question in the

More information

Two-Factor Authentication over Mobile: Simplifying Security and Authentication

Two-Factor Authentication over Mobile: Simplifying Security and Authentication SAP Thought Leadership Paper SAP Mobile Services Two-Factor Authentication over Mobile: Simplifying Security and Authentication Controlling Fraud and Validating End Users Easily and Cost-Effectively Table

More information

MERCHANT NEWS. This Edition of Merchant News NOW INCLUDING RETAIL SPECIFIC NEWS. Our Name is Changing. Fraud Prevention. Card Scheme Compliance

MERCHANT NEWS. This Edition of Merchant News NOW INCLUDING RETAIL SPECIFIC NEWS. Our Name is Changing. Fraud Prevention. Card Scheme Compliance AUTUMN 2012 EDITION MERCHANT NEWS Keeping you in the know Important Information - Please keep in a safe place This Edition of Merchant News Our Name is Changing Fraud Prevention Card Scheme Compliance

More information

Mobile Payments in the Cloud

Mobile Payments in the Cloud Mobile Payments in the Cloud Peter Landrock - patents pending Mobile / Digital Cloud Wallets Opportunity & Challenge in the Market EMV / Payments MOBILE CLOUD Immediate Benefits Decrease Fraud Decrease

More information

Secure Cloud-Based Future-Ready

Secure Cloud-Based Future-Ready PetroZone Retail Fuels Module for Microsoft Dynamics AX 2012 Built for Convenience Stores and Retail Fuel Merchants Secure Cloud-Based Future-Ready Hosted and managed solution at a low monthly cost that

More information

Why Your Business Needs a Mobile Site

Why Your Business Needs a Mobile Site Why Your Business Needs a Mobile Site Mobile apps usage is on the rise During Q4 2014, mobile owners used 26.8 apps on average per month and spent 30 hours, 15 minutes in them. 30 25 20 15 18:18 23:02

More information

Flexible and secure. acceo tender retail. payment solution. tender-retail.acceo.com

Flexible and secure. acceo tender retail. payment solution. tender-retail.acceo.com Flexible and secure payment solution acceo tender retail payment solution tender-retail.acceo.com Take control of your payment transactions ACCEO Tender Retail is a specialized middleware that handles

More information

Performance with a single touch

Performance with a single touch Need stock and employees control? Need fast check-out time and loyal customers? Need a powerful POS without implementation headaches? Your search is over! Performance with a single touch Whether you open

More information

PRICING GUIDE 2015. (sum) 1 and Student Achiever accounts. Moving Forward TM. Still bringing you real banking value

PRICING GUIDE 2015. (sum) 1 and Student Achiever accounts. Moving Forward TM. Still bringing you real banking value PRICING GUIDE 2015 (sum) 1 and Student Achiever accounts Still bringing you real banking value Moving Forward TM (sum) 1 fees for 2015 We realise that while you are at school your cash is a bit limited.

More information

International Mobile Phone Top Up For Consumers & Merchants

International Mobile Phone Top Up For Consumers & Merchants International Mobile Phone Top Up For Consumers & Merchants March 2015 What is CY.SEND? CY.SEND is an international prepaid mobile phone top up provider located in Switzerland for consumers and merchants.

More information

MOBILE PAYMENT IN THE EU: ROLE OF NFC. Gerd Thys Product Manager Clear2Pay Open Test Solutions (OTS) gerd.thys@clear2pay.com

MOBILE PAYMENT IN THE EU: ROLE OF NFC. Gerd Thys Product Manager Clear2Pay Open Test Solutions (OTS) gerd.thys@clear2pay.com MOBILE PAYMENT IN THE EU: ROLE OF NFC Gerd Thys Product Manager Clear2Pay Open Test Solutions (OTS) gerd.thys@clear2pay.com READY FOR MOBILE PAYMENT AT THE PUMP? Germany : One in three willing to pay for

More information

Mobile Marketing; Mobile Marketing. Value of Mobile Marketing

Mobile Marketing; Mobile Marketing. Value of Mobile Marketing ; Critical to Effective Marketing Strategy Sponsored by: ; What's the Impact 2013 1 Value of Get more customers Access them more often Access them with targeted offers Access them at targeted times Low

More information

People, payments and the future report

People, payments and the future report People, payments and the future report % % % of online smartphone users comment about their experience on social media of people say contactless payments are quick and efficient of shoppers use a loyalty

More information

American Express. Merchant Services. Grow your business With POS terminals from American Express

American Express. Merchant Services. Grow your business With POS terminals from American Express American Express Merchant Services Grow your business With POS terminals from American Express POS Terminals Electronic Devices for fast, efficient and reliable card transaction processing to suit all

More information

The e-commerce solution

The e-commerce solution Payment Services The e-commerce solution Your key to successful online business 2 The right choice for online and omni-channel payments Omni-channel is the amalgamation of different selling channels that

More information

CANADA VS THE USA - THE CONTRAST AND LESSONS FOR MOBILE PAYMENTS

CANADA VS THE USA - THE CONTRAST AND LESSONS FOR MOBILE PAYMENTS CANADA VS THE USA - THE CONTRAST AND LESSONS FOR MOBILE PAYMENTS Presented by: Jacqueline Chilton, Founding Partner, Muration Group Catherine Johnston, President & CEO ACT Canada Muration Group 2014 2

More information

KCPOS - Integrated epos Solutions. epos Software

KCPOS - Integrated epos Solutions. epos Software KCPOS - Integrated epos Solutions KCPOS is a fully integrated accounts point of sale system, designed for modern retail, wholesale, trade and hospitality businesses. Flexible and affordable, KCPOS will

More information

Developer Reference. A mobile loyalty platform for retailers. Document Number: 09720037

Developer Reference. A mobile loyalty platform for retailers. Document Number: 09720037 Developer Reference A mobile loyalty platform for retailers Document Number: 09720037 CONTENTS Guide Overview Description of this Guide... ix What s new in this guide...x Upgrade impact...xii 1. Getting

More information

Euronet Software Solutions Recharge Solution

Euronet Software Solutions Recharge Solution Serving millions of people worldwide with electronic payment convenience. Recharge Solution Deliver the Ultimate Convenience of Top-Up to Your Customers Today Recharge Solution GLOBAL PROVIDER FOR ALL

More information

Frequently asked questions - Visa paywave

Frequently asked questions - Visa paywave Frequently asked questions - Visa paywave What is Visa paywave? Visa paywave is a new contactless method of payment - the latest evolution in Visa payments. It is a simple, secure and quick payment method

More information

Driving new overlay services with instant payments

Driving new overlay services with instant payments Point of view Driving new overlay services with instant payments a point of view document by sopra banking software Digitalisation is changing the face of trade, retail, commerce, business and social interactions

More information

The Comprehensive, Yet Concise Guide to Credit Card Processing

The Comprehensive, Yet Concise Guide to Credit Card Processing The Comprehensive, Yet Concise Guide to Credit Card Processing Written by David Rodwell CreditCardProcessing.net Terms of Use This ebook was created to provide educational information regarding payment

More information

Preparing for The Fourth Pillar of Mobile Payments: Payments to Merchants and Retailers

Preparing for The Fourth Pillar of Mobile Payments: Payments to Merchants and Retailers Point of View Preparing for The Fourth Pillar of Mobile Payments: Payments to Merchants and Retailers After years of hearing that the era of the mobile wallet has arrived, bankers have become weary of

More information

Beyond the Hype: Mobile Payments for Merchants

Beyond the Hype: Mobile Payments for Merchants Presented by the Mobile Payments Committee of the Electronic Transactions Association Beyond the Hype: Mobile Payments for Merchants Table of Contents Overview... 2 Before We Get Started... 3 Current Status

More information

WELCOME TO REVEL SYSTEMS RETAIL SERVICE... 5 STARTING YOUR WORK... 6. Logging In to Your POS... 7. Refreshing the POS Settings...

WELCOME TO REVEL SYSTEMS RETAIL SERVICE... 5 STARTING YOUR WORK... 6. Logging In to Your POS... 7. Refreshing the POS Settings... Retail Service User Guide. Page 2 of 81 Table of Contents WELCOME TO REVEL SYSTEMS RETAIL SERVICE... 5 STARTING YOUR WORK... 6 Logging In to Your POS... 7 Refreshing the POS Settings... 8 Clocking In and

More information

Finance & Ecommerce Systems

Finance & Ecommerce Systems Finance & Ecommerce Systems Prepared by: Colette Elson Issued: November 2013 November 2013 Page 1 Contents Page 1 Introduction 2 Responsibility 3 The PCI Data Security Standard 4 PCI DSS Requirements 5

More information

Financial management for card-based payment transactions

Financial management for card-based payment transactions Financial management for card-based payment transactions Our financial management tool saves you from burdensome overtime. So that you too can shut off the lights at the end of the day. Does this sound

More information

EMV and Small Merchants:

EMV and Small Merchants: September 2014 EMV and Small Merchants: What you need to know Mike English Executive Director, Product Development Heartland Payment Systems 2014 Heartland Payment Systems, Inc. All trademarks, service

More information

Innovation in payments an overview

Innovation in payments an overview Innovation in payments an overview Surveying the Scene In developed countries, payments networks are mostly fit for purpose. However, concerns are emerging of persistently high costs and chip and security

More information

CUSTOMER GUIDELINES FOR MAESTRO SERVICE AND QUICK SERVICE PREVIOUS VERSION (FEBRUARY 2014)

CUSTOMER GUIDELINES FOR MAESTRO SERVICE AND QUICK SERVICE PREVIOUS VERSION (FEBRUARY 2014) CUSTOMER GUIDELINES FOR MAESTRO SERVICE AND QUICK SERVICE PREVIOUS VERSION (FEBRUARY 2014) CUSTOMER GUIDELINES FOR THE CARD SERVICE, THE CONTACTLESS FUNCTION AND THE QUICK SERVICE NEW VERSION (JANUARY

More information

Neos. Merchant Solutions. A Gift and Loyalty Card Company. Retail Solutions with the Customer in Mind

Neos. Merchant Solutions. A Gift and Loyalty Card Company. Retail Solutions with the Customer in Mind Neos A Gift and Loyalty Card Company Retail Solutions with the Customer in Mind Corporate Overview NEOS MERCHANT SOLUTIONS, INC. Neos NEOS MERCHANT SOLUTIONS, INC., based in Irvine, CA, is a national provider

More information

HOW TO OPTIMIZE THE CONSUMER CONTACTLESS EXPERIENCE? THE PERFECT TAP

HOW TO OPTIMIZE THE CONSUMER CONTACTLESS EXPERIENCE? THE PERFECT TAP HOW TO OPTIMIZE THE CONSUMER CONTACTLESS EXPERIENCE? THE PERFECT TAP CONTACTLESS PAYMENTS COULD BE 50-60% FASTER THAN PAYING WITH CASH.* By accepting contactless payments, merchants open the door to the

More information

Customer Experience solution

Customer Experience solution Customer Experience solution Mobile Loyalty and Payments, Arjan Vissers, Marcel Cauli 8-October-2013 Agenda Atos Worldline Background Innovations for merchants Customer Experience Solution overview Payment

More information

A MOBILE PAYMENT SYSTEM WITH AN EXTRA TOKEN OF SECURITY Nael Hirzallah 1 and Sana Nseir 2

A MOBILE PAYMENT SYSTEM WITH AN EXTRA TOKEN OF SECURITY Nael Hirzallah 1 and Sana Nseir 2 A MOBILE PAYMENT SYSTEM WITH AN EXTRA TOKEN OF SECURITY Nael Hirzallah 1 and Sana Nseir 2 1 Applied Science University, Amman, Jordan 2 Zarqa University, Zarqa, Jordan ABSTRACT: The number of people using

More information

Inventory Management E-Commerce Credit Card Processing

Inventory Management E-Commerce Credit Card Processing Inventory Management E-Commerce Credit Card Processing You have to run your store more efficiently, manage inventory effectively and still deliver the kind of service that keeps your customers coming back.

More information

American Express Contactless Payments

American Express Contactless Payments PRODUCT CAPABILITY GUIDE American Express Contactless Payments American Express Contactless Payments Help Enable Increased Convenience For Card Members At The Point Of Sale American Express contactless

More information

Card Suite Acquiring Management System

Card Suite Acquiring Management System 2011 Tieto Corporation Card Suite Acquiring Management System Aivars Belis Lead Business Architect, Cards Tieto, Financial Services Aivars.Belis@tieto.com Acquiring Business Changing Conditions Consumer

More information

Tom Serwatka, Business Advisor MV Small Business Development Center SUNY Institute of Technology serwatt@sunyit.edu 315-792-7557

Tom Serwatka, Business Advisor MV Small Business Development Center SUNY Institute of Technology serwatt@sunyit.edu 315-792-7557 Tom Serwatka, Business Advisor MV Small Business Development Center SUNY Institute of Technology serwatt@sunyit.edu 315-792-7557 1 Objectives of Presentation To walk you through the steps needed to create

More information

"Payment for AR information: from pay-per-use to sponsored"

Payment for AR information: from pay-per-use to sponsored "Payment for AR information: from pay-per-use to sponsored" Manel Medina, Manuel García-Cervigón, Marcel Medina (medina mgarciac @ escert.upc.edu & marcel @ Aztive.com) Summary This paper will analyse

More information

WIRECARD FUTURE OF PAYMENTS. MainFirst Insights to Go Web Conference January 22, 2015

WIRECARD FUTURE OF PAYMENTS. MainFirst Insights to Go Web Conference January 22, 2015 WIRECARD FUTURE OF PAYMENTS MainFirst Insights to Go Web Conference January 22, 2015 1. MARKET READINESS FOR MOBILE PAYMENTS IS ACCELERATING NFC: Facts & Figures According to Visa Europe (January 2015),

More information

EMV and Restaurants: What you need to know. Mike English. October 2014. Executive Director, Product Development Heartland Payment Systems

EMV and Restaurants: What you need to know. Mike English. October 2014. Executive Director, Product Development Heartland Payment Systems October 2014 EMV and Restaurants: What you need to know Mike English Executive Director, Product Development Heartland Payment Systems 2014 Heartland Payment Systems, Inc. All trademarks, service marks

More information

South African Payment Gateways

South African Payment Gateways A guide to South African Payment Gateways Updated January 2015 We Craft Digital Magic www.theforge.co.za THERE ARE TWO TYPES OF PAYMENT GATEWAY PROVIDERS IN SOUTH AFRICA those that require a client to

More information

Mobile Commerce Solutions

Mobile Commerce Solutions Mobile Commerce Solutions Derrick Carpenter & Jimmy Scarborough October 7, 2013 This presentation is provided as a courtesy and is to be used for general information purposes only. Bank of America Merchant

More information

CONVENIENCE FEE PROGRAM

CONVENIENCE FEE PROGRAM CONVENIENCE FEE PROGRAM FRONTLINE PROCESSING ELECTRONIC PAYMENT PROGRAM LOOKING TO SPEED UP YOUR RENTAL PAYMENTS? Frontline s new Convenience Fee Electronic Payment Program allows you to receive payments

More information

Deploying our multichannel

Deploying our multichannel Deploying our multichannel approach Christopher Coonen, EVP Global Solutions, Sales & Marketing Jean Marc Thienpont, EVP Mobile payment Peter de Caluwe, EVP e payment (ex Ogone CEO) 1 In store strategy

More information

A HOLISTIC APPROACH TO MERCHANT PAYMENT SECURITY. 2016, Vantiv, LLC. All rights reserved.

A HOLISTIC APPROACH TO MERCHANT PAYMENT SECURITY. 2016, Vantiv, LLC. All rights reserved. A HOLISTIC APPROACH TO MERCHANT PAYMENT SECURITY A HOLISTIC APPROACH TO MERCHANT PAYMENT SECURITY WHY DEALERS AND ACQUIRERS ARE PIVOTAL TO SECURING THE MERCHANT PAYMENT ENVIRONMENT. For the past fifteen

More information

Bricks And Clicks A Look At Today s Retail Marketing Trends

Bricks And Clicks A Look At Today s Retail Marketing Trends Bricks And Clicks A Look At Today s Retail Marketing Trends A Quick and Easy Guide to Digital Advertising for Local Businesses TABLE OF CONTENTS 3 4 7 11 The New Customer Path to Purchase The Rise of Mobile

More information

Technology and Mobile Payment Service Providers Landscape in India

Technology and Mobile Payment Service Providers Landscape in India Technology and Mobile Payment Service Providers Landscape in India Summary This section gives the overview of the non banking ecosystem in the Indian mobile payment space. It describes the evolution of

More information

Mobile Payments: Merchants Perspectives

Mobile Payments: Merchants Perspectives Mobile Payments: Merchants Perspectives By Fumiko Hayashi and Terri Bradford The U.S. payment market has attracted increasing attention from technology firms and their investors seeking to capitalize on

More information

RETHINKING CARDS BUSINESS. Erick Ho, Head of Payment Services, SunGard 17 September 2015. Break through.

RETHINKING CARDS BUSINESS. Erick Ho, Head of Payment Services, SunGard 17 September 2015. Break through. RETHINKING CARDS BUSINESS Erick Ho, Head of Payment Services, SunGard 17 September 2015 Break through. Agenda 01 02 03 04 05 Trends and Growth in cards and payment business Sharpening Business Focus The

More information

ACQUIRER OR ACQUIRING BANK A financial institution (often a bank) where a merchant has an account to process transactions and card payments

ACQUIRER OR ACQUIRING BANK A financial institution (often a bank) where a merchant has an account to process transactions and card payments A TO Z JARGON BUSTER A ACQUIRER OR ACQUIRING BANK A financial institution (often a bank) where a merchant has an account to process transactions and card payments ATM Automated Teller Machine. Unattended,

More information

Point-of-Sale Materials Catalog. United States Edition

Point-of-Sale Materials Catalog. United States Edition Point-of-Sale Materials Catalog United States Edition Welcome to Planet Payment s Point-of-Sale Materials catalog. At Planet Payment we have invested a lot in building our brand for we see it as an essential

More information