Integrated Payment Solutions

Transcription

1 Payment Services Integrated Payment Solutions for hospitality, parking and web Tailor-made payment solutions for your business.

2 2

3 SIX Payment Services The right choice SIX Payment Services provides financial institutions and retail customers with secure and innovative solutions along the entire value chain of cashless payments, setting industry standards in flexibility and customer focus. In its role as one of Europe s leading transaction processors, SIX Payment Services supports financial institutions managing their entire card portfolio. The modular offering includes end-to-end solutions for acquirers and issuers and is complemented by innovative solutions for fraud and risk management as well as for electronic billing. SIX Payment Services is also one of the leading card acquirers in Europe, signing on merchants to accepting all current credit and debit cards. you monitor the transaction activity of your entire business organization. With the flexible reporting capabilities, you can access information about a single terminal, location, city, country, region or the entire global operation. Security in the card business The technology used to handle payment data has advanced at an incredible rate in the last several years; however, so have the methods used to undermine and attack this data. SIX Payment Services offers the most stringent security standards in the card payment industry so our clients need not worry. All solutions are compliant with the following standards: PCI DSS, PA DSS EMV, CISP and 3-D Secure. With over 1,000 employees and a local presence in 10 countries, SIX Payment Services partners with customers in 33 countries, which makes us one of the largest subsidiaries of SIX Group. Benefit from extensive know-how SIX Payment Services provides business processes that are focused on reducing resources, increasing speed and integrating information flow. SIX supports a wide variety of merchants as they strive to concentrate support and control processes in a central function. Its flexible processing systems can be easily configured to support hundreds of locations with a single point of contact. The multi-tiered reporting suite lets 3

4 4

5 Integrated Hospitality Solutions Increasing numbers of guests prefer to pay with a debit or credit card Hotels 3CIntegra Hospitality is a fully integrated payment service that enables you to process credit and debit card payments directly through your front office PMS. 3CIntegra Hospitality works with virtually all the major PMS systems available on the market today. SIX Payment Services offers you the security and peace of mind that can only come from our exceptional history and experience in the hotel industry. SIX offers IP connection to provide unprecedented processing speeds and web-based daily reporting tool, which monitors your shift closing times, makes reconciliation easy. At the front desk, 3CIntegra frees you to devote your time and energy to serving your valuable clients, while maintaining high standards of speed and accuracy. Restaurants 3CIntegra Retail is a fully integrated payment service that enables you to process credit and debit card payments directly through your point of sale system (POS). 3CIntegra Retail works with all the major POS systems available on the market today. With over twenty years of experience in the processing of card transactions, SIX Payment Services guarantees you a reliable and secure solution. 3CIntegra Retail features IP connection to give you fast and accurate card processing. Together with the wto eb-based daily reporting tool of SIX, reconciliation becomes easy. Integra Retail frees you to devote your time and energy to serving your valuable customers at the checkout counter. Pay@Table SIX Payment Services allows you perform the full range of food and beverage payment functionalities from the mobile payment terminal. You can do everything from searching for the table you want, adding tips, settling in cash, through to printing the customer s receipt. DCC - Dynamic Currency Conversion Dynamic Currency Conversion allows cardholders to pay in their domestic currency at a fixed and fair exchange rate, so that there are no surprises when their credit card bill arrives at the end of the month. The hotel, retailer or e-commerce merchant book the transaction and receive payment in their domestic currency. The advantage of DCC is that it allows merchants to offer the choice to their customers, helping them to improve guest loyalty and repeat business. How does it work? At the time of the transaction, your DCC partner tells SIX Payment Services the exchange rate for the day and we display it at the point of sale; once the transaction is complete, your DCC partner takes the foreign currency and reimburses you in your domestic currency, all in the time it takes your normal credit card reimbursement to arrive. 5

6 6

7 Integrated Parking Solutions Secure payments at cashier machines for street and indoor parking facilities Card payment is increasingly the preferred payment method among parking facility operators and consumers alike. It enables operators to control and reduce costs and losses by gradually replacing cash payment. Experience shows that card payments, particularly since the introduction of Chip & PIN, are the fastest growing method of payment in parking. The introduction of contactless payment methods, Visa paywave and MasterCard/Maestro PayPass, will further accelerate this trend. Offstreet Parking SIX Payment Service Offstreet Parking allows you to manage your entry control revenue in a single, simple and costeffective interface. The EMV product of SIX links to all of the world s leading entry control manufacturers and is supported by a central control hub and state-of-the-art Web reporting, giving you control over your operation, whether you have a single parking facility or an entire parking facility network. EMV - The 3CIntegra payment solution Our 3CIntegra solution enables EMV transaction processing that combines integrated functionality of SIX Payment Services with the latest Chip & PIN security. SIX has selected the best of breed terminal solution for each region, which allows you to take advantage of integrated hospitality functionalities, such as pre-authorizations and end-of-day credit checks, all under the watchful eye of the EMV chip & PIN procedure. SIX Payment Services technology processes everything through an encrypted Internet connection, which increases speed and security while reducing costs. 3CSmartBox 3CSmartBox is an intelligent payment stand-alone terminal that combines the essential terminal features with 3C s integrated functionality. Processing all cards on the same terminal, 3CSmart- Box offers Dynamic Currency Conversion (DCC), which enables the cardholder to decide the currency to be used in the transaction. 3C Web Report Server SIX Payment Services provides every customer location with the convenient and easy-to-use 3C Web Report Server. Daily reconciliation becomes faster, easier and simpler with mirrored cut-off times and the Web Report Server of SIX. Reconciling transactions, matching reports, searching for specific transactions will only take you a few minutes, replacing hours of manual matching. 3CPortal 3CPortal is a merchant interface that allows you to manage your transactions in real time. 3CPortal allows you to find, view, reverse, add and match transactions online. Ask your SIX Payment Services account manager about the availability of 3CPortal. 7

8 Web Payment Solutions Secure electronic payment processing in e-commerce or in the mail order/telephone order business 3CiPage The fully hosted online payment service, in which card data is entered on our secure payment host, not on your e-commerce infrastructure. It allows e- commerce sites to process card payments via the secure environment of SIX, while maintaining the look & feel of their own site. By implementing the code that links the environment hosted by SIX as an embedded feature of the merchant s homepage, the cardholder is seamlessly transferred to a secure environment that is fully equipped with the look & feel of the merchant s site. When the payment is confirmed, the cardholder s transaction is completed and the merchant s website processes the goods or service. 3CiPage allows merchants to concentrate on their business, while reducing their PCI DSS footprint. 3CiPage and the API version, 3CWeb2Pay, support 3-D Secure, which enables merchants to verify the identity of the cardholder in an e-commerce environment. Adopted by major card schemes as Verified by Visa and MasterCard SecureCode, 3-D Secure represents the highest level of security in the e-commerce environment. 3CiRecur 3CiRecur has been developed to meet the ever-increasing demand for recurring payments, which occur in many businesses, such as fitness club memberships, monthly parking contracts, magazine subscriptions and many others. Simply access the secure SIX Payment Services administrator portal and add the client s credit card details, specify the frequency and amount of the payment and 3CiRecur will do the rest. This gives you the benefit of storing card data without the risk. All details are kept on SIX PCI DSS secure hosts, outside the merchant infrastructure. 3CiPay The virtual terminal is ideal for call centers and real-time order taking. Just log in to secure the site of SIX and the 3Ci- Pay virtual terminal appears. Enter the card and transaction details and it does the rest. We return a valid confirmation within a matter of seconds, which means that the cardholder s order can be processed faster than ever. The merchant never needs to store card numbers again. 3CiBatch A simple and secure method of processing transactions that are captured offline. SIX Payment Services provides a simple file format with secure uploading instructions, allowing the merchant to process offline transactions in a secure and effective environment. 8

9 3CiCard Token solution This token solution functionalities are available both via an API that can be implemented within your payment application for a fully integrated solution or which can be embedded in your application or Web environment. 3CiCard takes care of management (create, update, disable) and is also fully integrated within your payment application to eliminate the risks associated with dual database management. This batch processing solution for tokens provides immediate benefits without the cost of developing a fully-integrated solution. Applications Recurring transactions. Transactions for returning customers. Automated credit card payment applications. Open text file batch applications. How it works With 3CiCard, the transaction requests are created by your payment application or by using SIX Payment Services tokens in place of the card data. Tokens are safe dummy numbers issued by SIX that are unusable to anyone outside of the system. Once SIX receives the request, the token is replaced by the actual card data and real transaction requests are created. Do you need to store card data for your business needs? 3CiCard allows merchants with specific requirements associated with card on-file applications to process transactions without actually storing the card data, which is stored on the secure systems of SIX. 9

10 10

11 Services and Security Support services SIX Payment Services operates a 24/7 support service, which means that a fully trained support technician is standing by in the unlikely event that you need it. SIX prides itself in its vast internal technical resources, enabling it to respond both quickly and accurately to merchant requests. Although we do not think you will need it, we know you will appreciate that with every service activated there are clearly defined service criteria, which means the merchants questions are answered every time. SIX Payment Services has over 20 years of experience working in many different time zones. Although this number is constantly growing, we currently support 9 languages, and every operator speaks English and at least one other language. SIX Payment Services can also assist merchants with their own in-house systems. Based on years of experience, SIX helps identify and remediate potential security risks associated with the processing of credit cards. SIX Payment Services combines expertise from many fields to provide the confidence that merchants today simply cannot live without. PCI DSS / PA DSS The PCI DSS (Payment Card Industry Data Security Standard) is the uniform and globally valid security standard for handling card data. SIX Payment Services is a fully PCI DSS-compliant company and our payment application is PA DCC-certified (Payment Application Data Security Standard). Ask us about our acquirer-focused merchant compliance solutions. Security & compliance SIX Payment Services takes its customer s transactions very seriously and provides a PCI DSS-secure processing environment for every transaction we process, as part of a continuous process. All installed applications conform to the PA DSS payment application standard. This means that you can be sure of the integrity of the merchant s card data. As technology progresses, SIX Payment Services provides regular security updates to ensure that you are one step ahead of the competition. 11

12 INT_EN/ SIX Payment Services Ltd Hardturmstrasse Zurich Switzerland SIX Payment Services (Europe) S.A. 10, rue Gabriel Lippmann 5365 Munsbach Luxembourg SIX Payment Services Ltd Regal House 70 London Road Twickenham TW1 3QS England SIX Payment Services (USA) Corp One Oakbrook Terrace, Suite nd Ave and Butterfield Rd Oakbrook Terrace IL USA