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

Transcription

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

2 Contents Seite Everything from a single source: comprehensive solutions for card processing I 3 The debit cards: the preferred means of payment for most customers I 5 Credit cards allow your customers to make spontaneous purchases I 6 Payment solutions for every need: simple, safe and comfortable I 8 Safety standards: protection against card abuse I 9 Innovative solutions and services for you and your customers I 10 I 2

3 Everything from a single source: comprehensive solutions for card processing Card acceptance is a trend that pays off: in Germany, the number of retail card payments has quintupled over the last ten years. Market research studies confirm that cardholders tend to: Make spontaneous purchases» Have a better credit standing»» Are more likely to make purchases than persons paying cash Especially in the restaurant, travel and hotel industries, the credit card is the preferred payment method for making bookings and reservations. The customers value the many advantages and the flexibility that card payments offer them. Benefit from this development with customised solutions for cashless payments by ConCardis. More than 25 years of success Due to our many years of experience in card-based payment systems, we know how to facilitate cashless payments for both you and your customers. You offer your customers additional payment services and, as your partner, we will support you by offering a comprehensive, modular solution:» Innovative terminals»» Acceptance of the Maestro, Visa Electron, MasterCard, Visa and American Express cards as well as the Asian card brands CUP and JCB Processing of the debit payment methods Maestro, Visa Electron, V PAY, girocard / electronic cash and electronic as well as guaranteed direct debit processes Solutions and services for the processing of all cards Individual connection of distance selling solutions for e-commerce and telephone orders as well as ConCardis PayEngine e-payment solutions Our tip: We d be more than happy to present our comprehensive solutions to you and offer you a no obligation quote. Please give us a call or visit us at: I 3

4 Advantages of cashless payments: More sales Card acceptance offers a worldwide and solvent customer potential. It encourages spontaneous purchases and therefore increases your sales. Customer service Offering a range of payment services is an additional service for your customers. The customers will thank you with their loyalty and repeat purchases. Security Less cash in the till reduces the risk of theft, embezzlement and counterfeit money. Flexibility Direct card payments are often the quicker, more convenient and more reliable way of payment processing. As opposed to cash, the costs for the card acceptance are always transparent and verifiable.»» You can use the profit calculator on our homepage to test how much more sales your company can generate by accepting credit cards. Advantages of collaborating with ConCardis: ISO certified Our quality management has been independently audited and certified in accordance with ISO 9001:2008 see for yourself how good our service is. Efficient payment processing Thanks to modern payment terminals, the authorisation and processing of transactions is secure, fast and reliable. Customised offers We offer you attractive conditions and individual solutions to match your industry, e. g. DCC, tax free, contact-free payments or transaction management. Services We support you with our additional services such as offering a free-of-charge supply service for your POS and sales activities. Information material In our customer magazine DIREKT, as well as in the monthly newsletter, we will inform you at regular intervals about trends, ideas and current offers. Internationality ConCardis supports international customers and is aside from its locations in Germany also represented in Austria, Switzerland and the Benelux countries. I 4

5 The debit cards: the preferred means of payment for most customers Debit payment cards have become a staple of everyday use. Therefore, please do not hesitate and use our comprehensive offer for everything related to cashless payment transactions. girocard / electronic cash The girocard acceptance logo is the result of the collaboration between numerous European national debit payment systems and, in future, will replace the electronic cash logo. For you, the most significant advantage is the expansion of acceptance to include additional European cards with a payment guarantee and at the same conditions as with electronic cash. In Germany, there are more than 90 million girocard / EC cards currently in circulation. With three different processes, your customers can legitimize the use of their girocard / EC cards: girocard process With transaction approval through the entering of a PIN, the card-issuing institution provides a 100 per cent payment guarantee for the processed transaction. Guaranteed direct debit process (GLV) The customer s signature on the receipt authorises the retailer to directly debit the invoice amount from the customer s bank. The customer s credit standing is validated online. In this case, the retailer does not have a credit risk. Electronic direct debit (ELV) The customer signs the receipt and, in this fashion, authorises the direct debit of the amount. There is no guarantee against payment defaults. Maestro By accepting Maestro, many of your national and international customers can pay with their debit cards. Maestro transactions can only be accepted and processed electronically via a terminal and through the entering of a PIN. Through the chip-based authorisation with a PIN, you receive guaranteed payment and maximum security. Visa Electron Visa Electron is the independent debit card of the Visa brand; there are currently 297 million cards being used worldwide. The card can only be used for electronic transactions authorised online V PAY V PAY is a chip- and PIN-based debit card issued by the Visa brand for the European market. Via an EMV-compatible terminal, the card chip data is read and the payment authorised through the cardholder s PIN entry. Guaranteed payment authorisation and maximal payment security through the chip-based authorisation including PIN entry. Our tip: As a retailer, you are always on the safe side when accepting PIN-authorised payments. I 5

6 Credit cards allow your customers to make spontaneous purchases Using a credit card to make payments is a part of everyday life they are accepted in over one hundred countries and at millions of points of sale worldwide. Why do you use a credit card? Maybe it is because you do not want to carry too much cash with you or because you enjoy the comfortable payment method? Your customers think like you do, because the advantages of paying with a credit card are obvious: for the customers: Extended payment terms Clear and understandable statements Worldwide acceptance Participation in attractive bonus programmes for the retailers: A highly solvent target group Simple to make spontaneous purchases Higher customer retention through additional services Do not hesitate to offer your customers these comfortable services! ConCardis supports you with their long-term know-how in the acceptance and processing of credit cards. With our portfolio you will reach almost all credit card holders. Take advantage of this potential! Our tip: With the acceptance of credit cards you will more easily reach solvent business people who regularly use their corporate credit cards. I 6

7 MasterCard By accepting MasterCard, you are optimally suited to handle the needs of your national and international customers. Worldwide, there are 981 million MasterCard credit cards in circulation; these cards are welcomed at 30 million locations. In Germany, there are more than 14 million MasterCard credit cards in circulation. The purchase power of tourists from Asia contains an enormous sales potential since they are the customers that generate the highest worldwide sales per card. Aside from sightseeing, tourists from Asia are most interested in shopping. For products and services they value the Made in Germany quality. Use this for the future and begin accepting the CUP and JCB cards now. Visa By accepting Visa, you value a strong image and high brand recognition. Customers value the Visa card as a reliable means of payment. 879 million Visa credit cards are in circulation worldwide. In Germany, more than 11.9 million cards are being used.»» In 210 countries the card is accepted at 30.4 million locations. CUP China Union Pay is the only credit card available in the People s Republic of China and it is the fastest growing credit card brand in the world. CUP cardholders especially value the open credit line that allows them full access to the total account deposit and therefore allows maximum sales. Up until now, over 2.1 billion cards have been issued in 14 countries. They are accepted in over 70 countries. American Express Today, American Express is one of the largest issuers of credit cards. Customers who would like to pay with their American Express cards are demanding, have a high level of disposable income and enjoy spending money. Over 88 million members worldwide generate above-average card sales. Over one-fifth of the American Express sales in Geramany are transacted by foreign cardholders whose only credit card is often an American Express card JCB Japan Credit Bureau is the largest credit card issuer and customer acquirer in Japan. The credit card is primarily used in the Asian and US markets and especially valued in highly frequented tourism centres with a multitude of Asian guests. About 60 million cards issued worldwide. Accepted at over 11 million locations in 189 countries. I 7

8 Payment solutions for every need: simple, safe, comfortable With a ConCardis payment solution you can transact all standard credit and debit cards. Whether POS terminals or payment software for e-commerce, at ConCardis you ll find the offer that is best suited to meet your needs. Stationary terminals: These terminals are ideal for merchants who have a fixed shop counter or cash till location. Terminals with a separate PIN pad offer a high level of operating comfort. Using these terminals, the amount can be entered by the cashier and the PIN can easily be entered by the customer without having to pass the terminal across the sales counter. Ideal for: Retail and service providers Hotels and guest houses Pharmacies and doctors Mobile terminals: If you would like to process payment transactions independently from a POS or sales counter, then we also offer mobile terminals for your offices; these are equipped with WLAN functionality and a high degree of flexibility. On the basis of the integrated mobile phone technology, payments are even possible at just about any location. Ideal for: Taxis, driving schools Use at trade fairs, congresses, concerts Delivery services, parcel services Applicable for all multifunctional ConCardis terminals: Fast, graphics-compatible thermal printers and simple paper handling Selection between different contract terms, installation and maintenance packages Payment security through regular modification of security key ConCardis PayEngine The ConCardis PayEngine is a software payment solution for Web shop merchants as well as for orders made in writing and over the phone. The platformindependent solution offers you comfortable reporting and summarisation functionality for transacted sales as well as powerful protection mechanisms to combat attempts at fraud. ConCardis PayEngine overview It is easy to integrate into your existing shop solution Acceptance and processing of all standard national and international payment types: e. g. MasterCard, Maestro, Visa, American Express, PayPal, giropay, Internet direct debit Compatible with all current security standards (query of the card verification number, MasterCard, SecureCode, Verified by Visa, 3D Secure) PCI DSS-certified Cost-free technical support ConCardis epayment App The mobile payment possibility ConCardis epayment App for the iphone is ideal for everyone who would like to accept cashless payments without requiring any special hardware secure and regardless of location. ConCardis epayment App overview Secure processing of credit card and direct debit transactions Encrypted transfer of all payment data and fraud protection via a signature Easy to use user interface with integrated, unlimited demo functionality Immediate payment status response as well as a payment overview of the transaction history Processing of credit card transactions in different currencies is possible Available in several languages Our tip: Check out the offers available at now or call us for an individual consultation. I 8

9 Security standards: protection against card abuse So that you are protected against card fraud, ConCardis has established comprehensive security standards with which you can process your cashless payment service. 24-hour approval service over the phone, practical, no long waiting times With our 24-hour approval service for MasterCard, Visa and JCB payments, we offer a reliable payment authorisation. After validation of the data through the authorisation system, the amount is either approved for payment or rejected. Operation via touchtone telephone or voice-activation Available languages: German and English Numerous authorisation queries possible PCI provisions for the use of payment card data In order to avoid the misuse of credit card data, provisions for use were introduced by the credit card organisations of the PCI DSS (Payment Card Industry Data Security Standard). This globally valid security standard from MasterCard and Visa contains obligatory rules for the secure use of confidential card and transaction data that are transmitted or stored electronically. Detailed information regarding this subject and the existing possibilities of approval and certification can be found at / PCI. EMV the security standard for card payments The EMV security standard protects you from risk of fraud through stolen or lost chip-based cards. Aside from the prevalent magnetic strip-based cards, more and more debit and credit cards are equipped with an almost fraud-proof chip. This corresponds to the current security standards and offers you the highest payment security. Through the use of EMV technology, you are protected against the loss of sales through credit card abuse. Prerequisite for this is only the use of an EMV-compatible terminal. I 9

10 Innovative solutions and services for you and your customers Standards are a matter of course. However, your customers expect a little more. As you do, too! ConCardis offers you more in order to make card processing even more comfortable for you and your customers. ETRAX 3 the electronic statement overview ETRAX 3 is an electronic list of individual transactions that offers you quick and easy access to your statement data. Transaction data can be directly imported and further processed into your statement / factoring system Electronic archiving of your payment transactions Aside from master data such as branch office number, address or terminal ID, you will receive details regarding sales, payments, fees, etc. ESP (Electronic Statement Presentment) the online statement tool With Electronic Statement Presentment, ESP for short, you can easily select the statement for your card transactions in electronic form regardless of location and time via the Internet. View the daily balance of your card sales Export function via CSV file or Microsoft Excel Data is accessible year-round and can be downloaded as often as you like ConCardis Transaction Management for optimised follow-up processes for card payments With ConCardis Transaction Management we help you to simplify follow-up processes in the card payment transactions especially if you use several terminals at different locations. Absolute transparency of the flow of funds through daily transaction data with company-specific details that are relevant for your financial accounting system individually customised depending on your requirements Automation of the entry in your financial accounting system Reduction of the account fees with your local bank through bundled card payments The research tool CardView on the basis of Microsoft Excel eliminates redundant and mundane activities for you and your employees Our tip: You can order additional product information, POS and marketing material via our convenient and free online material service I 10

11 DCC automatic Dynamic Currency Conversion DCC enables your customers to pay in their own currency. Your customers will know straight away what the final payment amount will be. This avoids surprises when the credit card statement arrives. In this way, your international customers will have complete cost transparency and you are able to offer an additional value added service that will generate more sales. Available for Visa, MasterCard and Maestro Calculation of the invoice amount in up to 30 currencies, among others: Swiss francs, US dollars, British pound and lots more Best Rate Guarantee DCC is always transacted at the best daily foreign exchange rate An overview of all available DCC currencies can be found at / dcc. Tax free an additional service for your international customers An improved service in transactions with your international clients is tax free shopping, since: via a tax free receipt, the customers can reclaim the VAT. Less administrative effort since the timeconsuming filling out of tax free cheques is no longer required. Sales-generating service for you Even when the customers pay in cash, the terminal can be used to print out a tax free receipt. Contact-free payment payment transactions in under one second Since the introduction of contact-free payments, payments can be made within only a matter of seconds. An ideal prerequisite for the use in sectors were often small amounts are generated and customers have little time. The card no longer has to be inserted or swiped through the terminal. The customer only needs to hold his or her card in front of the card reader and pays, more or less, in passing. For payments up to 25 euros, no additional PIN entry or signature is required. Expedition of the payment process Minimisation of the costs for cash handling Reduction of paper receipts The value adds of the card acceptance from more customer service to increased sales are obvious. You can also benefit from collaborating with ConCardis. We would be happy to advise you on all questions related to cashless payments. Or call us on: I 11

12 ConCardis GmbH I Solmsstraße 4 I Frankfurt/Main I Germany Tel.: I Fax: [email protected] I 07_0112_0611_DE_en