Corporate Launch Event October 27, Brussels

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1 Corporate Launch Event October 27, Brussels Driving Interoperability in Card Payments 2 1

2 Terms of Reference Payment - the action of paying or the process of being paid - a set of rules governing the exchange or transmission of data between devices Interoperability - ability to operate in conjunction Source: AskOxford.com 3 Current status in European Card Payments 28,5 billion card transactions a year (European Union) Over 1,500 billion transaction volume (source: ECB) More than 50 different protocols for SEPA only No single multi-acquiring solution Restricted or no choice in selecting in some countries Substantial investments today for multi-national retailers dealing with country-based acquirers 4 2

3 New Challenges Implementation of SEPA Growing demand for multi-acquiring solutions Progressive withdrawal of technical barriers Emergence of competitive systems and open standards New actors and new roles Reviewed pricing policies Re-engineering of today s card schemes activities Availability of off-the-shelf software and IT solutions 5 What is EPASOrg? An international non-profit association founded by key industry players to foster interoperability in card payment protocols EPASorg develops, promotes and maintains card payment protocols enabling the market to benefit from cost efficiencies, increased competition and enhanced innovation 6 3

4 EPASOrg Mission Bringing together industry stakeholders to drive interoperability in card payments, overcoming the barriers of today s fragmented card payment environment EPASOrg develops, promotes and maintains a series of standard protocols which determine the interface between card acceptance devices and acquiring systems card payment application and integrated retail systems card acceptance devices and associated terminal management systems 7 Stakeholder Benefits Cardholders, merchants, acquirers and technology suppliers will all benefit from this important standardisation initiative which combines technological innovation with costeffectiveness and state-of-the-art security EPASOrg will cooperate with existing standardisation bodies to ensure that its protocols comply with international requirements Open to stakeholders involved in the electronic payments industry Various levels of membership 8 4

5 Overview Clear separation between the protocol and software applications Flexibility allowing the use of Intermediary Agents Integration of traceability information Embedded security: intermixing different levels of message and different levels of security TMS TMS Sale POI Sale 9 Overview Interface between a Sale and a POI s Common interface to multiple architectures and environments Clear separation between sale and payment functions Different logical levels of interfaces (e.g. service, transaction, device, etc.) TMS TMS Sale Sale POI 10 5

6 Overview TMS Management and monitoring of the POI at a distance Downloading of parameters, electronic keys and software Delegation and transfer of TMS management functions applying to a given domain (e.g. card scheme s specific parameters management) TMS TMS TMS Sale Sale POI 11 EPASOrg Membership 12 6

7 EPASOrg Roadmap Short Short Term Term Focus Focus on on Europe Europe and and Finalisation Finalisation of of Specs Specs Complete existing specifications and standards IPR administration Promotion of the EPASOrg standards New member acquisition Cooperation with European standardisation bodies- EPC, SEPA-FAST Recognition as a European standard Medium Medium Term Term Growing Growing outside outside of of Europe Europe Cooperation with standardisation bodies outside of Europe - ISO 20022, ARTS Global promotion of EPASOrg standards worldwide Launch of pilots 13 Action Plan Achieve Achieve full full endorsement endorsement for for EPAS EPAS Publish Publish version version of of and and Establishing Establishing link link with with ISO ISO TC68-WG9 TC68-WG9 to to Issuer Issuer Launch Launch pilots pilots for for and and s s Deploy Deploy first first compliant compliant EPAS EPAS solutions solutions 14 7

8 Conclusions Establishment of EPASOrg: an important step forward Initiative open to all stakeholders of the industry Organisation dedicated to develop, promote, maintain and support EPAS protocols Commitment of EPASOrg members to launch pilots Drive EPAS as European and worldwide standard Bring standardisation in card payments to new levels 15 Q & A? THANK YOU! 16 8

9 Driving Interoperability in Card Payments 17 Corporate Launch Event October 27, Brussels 9

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