Ogone

In a complex and challenging business environment, there is no substitute for a partner with specialist knowledge and experience, backed by global presence and economies of scale.

First Data provides end-to-end processing, acquiring, switching and value-added services to financial institutions and merchants around the world.  The company operates merchant acquiring alliances and revenue sharing agreements in Europe, Asia Pacific, Canada and Latin America, working with bank partners to drive profit and operational efficiencies from their acquiring businesses. First Data provides market-leading sales and network management, credit risk and customer services, third party management and back office services.  Bank partners can leverage First Data’s expertise to develop market-leading merchant propositions in their target geographies.

To find out how First Data can help you optimise the performance of your acquiring business, please contact:

Robert Hawley
Senior Manager Merchant Acquiring
Tel: +44 (0) 1268 296655
E-mail:
Web: www.firstdata.com

Samport specialises in helping banks, large merchants and system vendors handle the demands of secure, effective and cost efficient transactions, whether through payment over the Internet or in retail stores. We make this possible through our two market leading products; Samport LETO and Samport ZEUS.

SAMPORT ZEUS - For Banks and Large Merchants. Tens of thousands of fraudulent transactions are attempted every day, in all corners of the world. The perpetrators are advanced, globally coordinated and find new targets swiftly. It is banks and retailers who bear the ever-increasing cost, which runs to millions of dollars every year. Defence against this rising tide of crime has never been more critical, and does not only affect banks. Payment Service Providers, PSPs, offering payment systems are also affected by the increasing demand for fraud protection. That is why we have developed the most advanced anti-fraud system there is. A system with the sensitivity to apply multiple checks in a fraction of a second. A system with the intelligence to learn and recognize fraudulent behaviour patterns. A system with the power to block fraud time and time again. A system that gives you full control and the ability to not only detect, but act on fraud. It is a system called Samport ZEUS.

For more information, please visit www.samport.com

Equens is the first truly pan-European full-service payment processor. As one of the largest and most innovative payment processors in Europe, we lead the market for future-proof payments and debit card processing solutions. We offer a complete and highly competitive portfolio, which we can align seamlessly with your requirements thanks to our flexible and client-oriented approach.

Visit www.equens.com

For more information, contact

Atos Worldline is the European leader in electronic payments and transactions delivering innovative solutions to advance its clients’ businesses. It specialises in end-to end payment services (issuing, acquiring, payment solutions and card processing), services for financial markets as well as CRM and eServices (Internet, voice and mobile solutions). Every year Atos Worldline wins prestigious market awards in recognition of its continuous commitment to research and development of leading edge solutions. Awarded solutions cover expertise in areas such as mobile payments, secure IPTV, online CRM, ticketless solutions. A 100% subsidiary of Atos Origin, Atos Worldline generates annual revenues of more than €800 million and employs over 4,800 people in Europe.

For more information, please visit  www.atosworldline.com

Verizon Business, a unit of Verizon Communications, is a global leader in communications and IT solutions. We combine professional expertise with the world's most connected IP network to deliver award-winning communications, IT, information security and network solutions. We securely connect today's extended enterprises of widespread and mobile customers, partners, suppliers and employees - enabling them to increase productivity and efficiency and help preserve the environment. Many of the world's largest businesses and governments - including 96 percent of the Fortune 1000 and thousands of government agencies and educational institutions - rely on our professional and managed services and network technologies to accelerate their business.

 For more information, please visit www.verizonbusiness.com

Diners Club International is a well respected global brand with a proud heritage as the world’s first charge card. Offering a myriad of benefits to the individual and the business client, it has earned premium brand status and is recognised as one of the most comprehensive travel and entertainment expense management solutions. The Diners Club Card is issued in more than 200 countries and accepted by 14 million establishments around the world.

For more information, please visit www.dinersclub.com

Retail Decisions (ReD) is a payment card issuer and world leader in card fraud prevention and payment processing. A specialist supplier to the payments industry worldwide, ReD has over 20 years experience in the fraud prevention market. Its blue-chip international clients come from the global telecommunications, retail, travel, petroleum, logistics, banking and the broader e-commerce sectors. They include Wal-Mart, Macy's, Bloomingdale's, Tesco, Texaco, Shell, Asda, Boots, John Lewis, The Carphone Warehouse, Comet, Travelocity, T-Mobile and Virgin Mobile. Based in the UK, the company has offices in the United States, Australia and South Africa with representation in China, India, Japan, and South America.

SIX Pay is an international provider of cashless payment solutions with headquarters in Luxembourg.

SIX Pay offers the secure acceptance and processing of the credit cards Visa, MasterCard, Diners Club, Discover and JCB as well as the debit cards V PAY and Maestro, combined with simple, pan-European solutions for cashless payments at the point of sale. SIX Pay’s intelligent, comprehensive solutions for the retail, hospitality, mineral oil and e-commerce sectors also include the routing of credit cards and various national debit cards.

The company also makes possible automatic currency conversions at the point of sale (Dynamic Currency Conversion), the topping-up of call credits for prepaid mobile phones through payment terminals and ATMs (Mobile Voucher), the processing of discount coupons (Mobile Coupon) as well as sales of electronic gift cards (GiftCard).

SIX Pay is a SIX Group Ltd company. SIX Group offers top-quality services around the world in the fields of securities trading and settlement, financial information and payment traffic.

For more information, please visit www.telekurs-multipay.com

First Annapolis is a management consulting and mergers and acquisitions advisory firm specialized in advising clients on business strategy across the payments industry including credit cards, deposit access products, B2B, and emerging payments. The firm advises hundreds of clients a year in Europe, North America, and Latin America including dozens of assignments each year specific to card acquiring. Since the firm’s founding in 1991, acquiring has been a key focus and our experience includes supporting the world’s top acquirers and participating in many of the industry’s most significant deals. We are committed to helping our clients succeed by providing exceptional insights that generate lasting value.

For more information, please visit www.1st-annapolis.com

Trustwave is the leading provider of on-demand and subscription-based information security and payment card industry compliance management solutions to businesses and government entities throughout the world. For organisations faced with today’s challenging data security and compliance environment, Trustwave provides a unique approach with comprehensive solutions that include its flagship TrustKeeper® compliance management software and other proprietary security solutions. Trustwave has helped thousands of organisations—ranging from Fortune 500 businesses and large financial institutions to small and medium-sized retailers—manage compliance and secure their network infrastructure, data communications and critical information assets. Trustwave is headquartered in Chicago with offices throughout North America, South America, Europe, Africa, Asia and Australia.

For more information, visit www.trustwave.com

Founded in 1997, Zecure is one of the leading providers of payment processing and fraud detection solutions for the e-commerce industry. We strive to help our customers maximise their e-commerce profit. We do this by focusing on high quality engineering, e-commerce expertise and innovation with a vision to be the preferred supplier of e-commerce payment processing and fraud detection solutions.

For more information, please visit www.zecure.com

Elavon is a part of U.S. Bancorp, the sixth largest commercial bank in the United States. Elavon provides end-to-end payment processing services to more than one million merchants in Europe and North America. It’s International Processing Platform supports multi-currency and cross-border acquiring for credit and debit card processing, as well as dynamic currency conversion. Elavon has solutions to meet the needs of merchants in specialised markets including retail, restaurant, hospitality, and e-commerce. Elavon represents the former brands of euroConex and NOVA Information Systems.

For more information visit www.elavon.com

Tieto is an IT service company providing IT, R&D and consulting services. With approximately 16 000 experts, it is among the leading IT service companies in Northern Europe and the global leader in selected segments. Tieto specializes in areas where it has the deepest understanding of its customers' businesses and needs. The superior customer centricity and Nordic expertise set Tieto apart from its competitors. Tieto is the new brand name as of 1 December 2008. The official registered name of the company is TietoEnator Corporation.

Welcome Real-time is a leading provider of business solutions which make credit and debit card acceptance more attractive to merchants, so that merchants see new value in payment cards, encourage card usage, and reduce pressure on pricing. Welcome’s technology drives credit and debit card programs in 21 countries across the globe and has received industry awards such as the "ROI of the Year Award" by The Banker magazine (2004) and the "Frost & Sullivan Industry Innovation & Advancement Leadership Award" (2006). Welcome is headquartered in Aix-en-Provence, France, with offices and R&D facilities in Singapore, Madrid, Miami, Shanghai and Sao Paulo.

For more information, please visit www.welcome-rt.com

* The report “MarketScope for Multiregional Card Management Software” by Kristin R. Moyer, 27.05.2009.
The MarketScope is copyrighted 2009 by Gartner, Inc. and is reused with permission. The MarketScope is an evaluation of a marketplace at and for a specific time period. It depicts Gartner's analysis of how certain vendors measure against criteria for that marketplace, as defined by Gartner. Gartner does not endorse any vendor, product or service depicted in the MarketScope, and does not advise technology users to select only those vendors with the highest rating. Gartner disclaims all warranties, express or implied, with respect to this research, including any warranties of merchantability or fitness for a particular purpose.

More than 100 of the world's top global financial institutions, agencies and regulatory bodies rely on Actimize to increase their insight into real-time customer and employee behavior, transactions, and activities. As a result, these organizations have reduced and prevented financial crime activities, minimized money laundering exposure, increased investigator efficiency and improved regulatory compliance and oversight.

Actimize is unique in its ability to combine and offer a true set of best-in-class packaged financial crime and risk solutions. All solutions leverage a powerful, integrated risk management platform, the Actimize Core Risk Platform, which can be extended to fit specific business needs, allowing clients to develop their own analytical models and business processes.

 For more information, visit www.actimize.com

Leading banks, retailers, and processors need technology that adapts to the complex and challenging needs of their businesses. They want solutions that can respond quickly to changes in the marketplace and help grow with their business. For more than 20 years, S1 has been a leader in developing software solutions that deliver a competitive advantage.  Over 3,000 organizations worldwide depend on us for payments, online banking, branch banking and lending solutions to power their businesses.

S1 provides payments solutions for ATM driving, card management, merchant acquiring and retail payments. Our payments customers are located in more than 50 countries and collectively they process over 10 billion transactions annually from 100,000 ATMs and 750,000 POS terminals. We help our customers to increase profitability, strengthen security, maintain compliance and capitalize on new opportunities. S1 can handle a wide variety of payment instruments, technologies and transactions from multiple sales channels.

Onformonics are payment risk specialists who assist companies in proactively managing IT risks within their businesses arising from the processing of card payments. This is achieved by providing a solutions framework to execute and manage a compliance program to many of the card payment industry standards; these include PCI DSS, PA DSS, PED, Visa Pin Security, MasterCard SPT, Visa AIS and MasterCard SDP. In conjunction with the ability manage a compliance program our solutions assist companies in leveraging their compliance efforts to identify and manage key IT risks within their organisation.

Onformonics core strength comes from the expert industry knowledge of its specialists. With over 12 years of industry experience in managing IT risk programs within the payments industry, we understand the landscape and the challenges which the payment industry faces.

 For more information, please visit www.onformonics.com

Global payment technology leader Hypercom Corporation delivers a full suite of high security, end-to-end electronic payment products and services. The Company's solutions address the high security electronic transaction needs of banks and other financial institutions, processors, large scale retailers, smaller merchants, quick service restaurants, and users in the transportation, petroleum, healthcare, prepaid, unattended and many other markets. Hypercom solutions enable businesses in more than 100 countries to securely expand their revenues and profits. Hypercom is a founding member of the Secure POS Vendor Alliance (SPVA) and is the second largest provider of electronic payment solutions and services in Western Europe and third largest provider globally.

For more information, visit www.hypercom.com

European Payment Solutions

In the context of new European regulations (the Payment Services Directive of 05/12/2007 and the SEPA program), European Payment Solutions takes profit of an unique momentum to come up with an innovative approach in the payment card market: a more merchant oriented modern and SEPA compliant payment tool, PayFair. This European payment scheme focused on debit cards can be combined with a lot of other interesting functionalities and an attractive alternative for low value transactions, already ready for new technological applications (contact less, m- and e-payments, fingerprint). It will give consumers more convenience with less cards in their wallet and better control on their personal data, offer merchants a more affordable payment alternative and practical loyalty scheme access, and provide banks with an ideal tool to offer attractive services to their customers while decreasing efficiently expensive cash transactions: a “win-win-win” solution. Pilot starts in Q2,2009, first roll out in Q3,2009.

Visit www.payfair.eu

McAfee, Inc., headquartered in Santa Clara, California, is the world's largest dedicated security technology company. McAfee is relentlessly committed to tackling the world’s toughest security challenges. The company delivers proactive and proven solutions and services that help secure systems and networks around the world, allowing users to safely connect to the Internet, browse and shop the web more securely. Backed by an award-winning research team, McAfee creates innovative products that empower home users, businesses, the public sector and service providers by enabling them to prove compliance with regulations, protect data, prevent disruptions, identify vulnerabilities, and continuously monitor and improve their security.

 For more information, visit www.mcafee.com

HPS is a publicly-listed company that provides state-of-the-art Software, PowerCARD, to 100+ card centers processing 300+ institutions in 60+ countries worldwide. We are a software provider exclusively working in electronic payment solutions and credit card management systems.

With our PowerCARD™ software solutions, we offer innovative and cost-effective systems to banks, Issuers/Acquirers, processors, loan companies, finance houses, postal organizations, national and regional switches, in Europe, America, Asia, Middle East and Africa.

PowerCARD is certified by major schemes (Amex, MasterCard, Visa, Diners, CUP) for acquiring and issuing.

PowerCARD has been recognized and awarded by several organizations for its innovation, flexibility and its strong integration capabilities.

HPS has been founded in 1995 and employs in Casablanca, in Paris, and Dubai 200+ engineers and senior consultants in the card management and electronic payment business. The PowerCARD™ software suite is its exclusive property and has been implemented in various environments and institutions around the world, and we have developed ground-breaking solutions for many years and we continuously forecast the market needs thanks to our business-oriented approach.

For more information, please visit us at
www.hps-worldwide.com

For specific questions or information, please write to:

Nacer Amraoui,
Head of HPS Europe

The ai Corporation is a leading provider of systems that detect and prevent risk related losses in the payment card industry.

Acquirers suffer direct operational losses through bad debt, chargebacks and Card Scheme penalties: RiskNet Acquirer has been developed to detect cases such as fraud bust-outs, collusive and failing merchants AND to enable investigators to quickly identify and react to these situations and take preventative action before losses escalate uncontrollably.

RiskNet acquirer has helped our Clients increase their business profits and extend their geographical reach - whilst containing their exposure and operational costs.

For more information, visit www.aicorporation.com

Created in 2004, n2euro is an European network of about 17 Experts in 12 European Countries now, using the common n2euro network brand. Experts have in average over 20 years of senior experience in their core knowledge domain, and a senior track career in multinational organisations. The main activities are Business Development, Strategic Consultancy, and Solution-based Change Management. n2euro has created Thought Leadership Expert groups in SEPA-PSD, retail banking, cards and payments, e-invoicing, outsourcing and managing RFP processes, corporate governance & shared services centres for payments. The n2euro Experts can help you formulate your corporate strategy, down to the realisation of this strategy and delivering demonstrable value out of this. n2euro Experts are also involved in specialist Analyst Consultations with Capital Venture companies. n2euro is probably the first implementation of the concept of Network Externalities in a Business Development environment : prospect corporations come to n2euro because it’s Experts have a large network of C-level contacts in European businesses, and can make your business grow from scratch to a critical commercial mass. With their links into Capital Venture, n2euro can support your continued investment needs in Europe. n2euro is active in the ICT-Media and Financial Services sector. Amongst the n2euro customers are large organisations as well as start-up companies in the banking, financial services, payment schemes, government, leasing, outsourcing, environmental, e-commerce, and enterprise software sector.

For more information, please visit our website at www.n2euro.com.
For specific questions or information, please write to .

Diners Club International is a well respected global brand with a proud heritage as the world’s first charge card. Offering a myriad of benefits to the individual and the business client, it has earned premium brand status and is recognised as one of the most comprehensive travel and entertainment expense management solutions. The Diners Club Card is issued in more than 200 countries and accepted by 14 million establishments around the world.

For more information, please visit www.dinersclub.com

FortConsult is the largest penetration test company and the 3rd largest PCI auditor in Europe. Via our core competencies within professional hacking, we combine the PCI DSS requirements with a fundamental focus on the overall philosophy behind PCI DSS, i.e. to protect enterprises against credit card theft by malicious hackers. This means that generally speaking we are able to balance the PCI DSS requirements against companies existing or planned security control procedures. Our main focus is the financial sector and we have assisted a large number of banks and their outsourcing partners throughout Europe to obtain the required security level and become PCI compliant.

www.fortconsult.com

In a complex and challenging business environment, there is no substitute for a partner with specialist knowledge and experience, backed by global presence and economies of scale.

First Data provides end-to-end processing, acquiring, switching and value-added services to financial institutions and merchants around the world.  The company operates merchant acquiring alliances and revenue sharing agreements in Europe, Asia Pacific, Canada and Latin America, working with bank partners to drive profit and operational efficiencies from their acquiring businesses. First Data provides market-leading sales and network management, credit risk and customer services, third party management and back office services.  Bank partners can leverage First Data’s expertise to develop market-leading merchant propositions in their target geographies.

To find out how First Data can help you optimise the performance of your acquiring business, please contact:

Robert Hawley
Senior Manager Merchant Acquiring
Tel: +44 (0) 1268 296655
E-mail:
Web: www.firstdata.com

PayX International www.payx.com has been providing specialist Cards and Payments consultancy services to Tier 1 and 2 banks across the globe for over 2 years. An independent international organisation, PayX is ideally positioned and is today successfully delivering information,market intelligence and assistance to organisations in the marketplace involved in the processing payments transactions.

It delivers workshops to Vendors,Processors and Banks worldwide providing insight, knowledge and assistance to understand the actuality around the cards acquirer industry is imminently set for unprecedented change due to M&A activity and technology updates.

 For more information, please visit www.payx.com

Diners Club International is a well respected global brand with a proud heritage as the world’s first charge card. Offering a myriad of benefits to the individual and the business client, it has earned premium brand status and is recognised as one of the most comprehensive travel and entertainment expense management solutions. The Diners Club Card is issued in more than 200 countries and accepted by 14 million establishments around the world.

For more information, please visit www.dinersclub.com