PAYMENTS MARKET PLACE 2017/2018 1

Your
Quality
Confirmed.
See us at Money2020 • Copenhagen • 26-28 June • Booth A7

Test Solutions for the payments world

Your success is our concern. You have ambitious goals and we are
dedicated to helping you get there. We engage with you, help you gain
insight and advise you.

> Certify your EMV Payment Terminals

> Minimize downtime of your ATMs and release changes easier
> Validate your payment host and switch implementations
> Launch your real-time payments project with confidence

We’d love to talk, contact us at opentestsolutions@fisglobal.com

www.opentestsolutions.com
2 PAYMENTS MARKET PLACE 2017/2018
Contents
A L S
Accourt Leonhard Kurz S.P.S. ( Smart Packaging
Page 10,16 Page 7 Solutions)
Page 12
B M Spectra Technologies
Page 21
Banking Circle Mag-Tek Europe Star Micronics
Page 7 Page 8 Page 20,24
Bixolon Merchant Payments Ecosystem
Page 9,16 Page 14 T
Money 2020
C Page 15 The Strawhecker Group (TSG)
Money 2020 Europe Page 10
Card & Payment Awards 2018 Tag Systems
Page 14
Page 14 Page 7,12,16,18
Compass Plus Tas Group
N
Page 7,17,20 Page 7,17
Comprion NCR Tieto
Page 22 Page 8,15 Page 13,17
Creditcall Trustech
Page 7,12,16 O Page 14
OpenWay Group TSYS
E Page 8,9,19
Page 6,12,13,18,21
EquensWorldline Optal
Page 17 Page 7 V
VeriFone
F P Page 10,17
FIME Payment Cards Yearbooks
Page 10,22 Page 7 W
FIS PPRO Worldline
Page 2,22 Page 11 18
Further Industry Listings
Page 23 R
Retail Business Technology Expo
I
Page 14
ICC Solutions RS2 Smart Processing
Page 22 Page 19
Inform RS2 Software
Page 15 Page 20

Further Industry Listings on Page 23

Publisher The Stable, Hall Yard Subscriptions and General
Alexander Rolfe Kelling, Holt Tel: +44 1263 711 800
Head of Business Development NR25 7EW Fax: +44 1263 456 100
Wendy Sanders United Kingdom gemma@paymentscm.com

Subscriptions Manager Advertising Cover and Origination

Gemma Rolfe Tel: +44 1263 722 300 Adam Unsworth
Fax: +44 1263 456 100 Printing
Address and Contacts
wendy@paymentscm.com Micropress Printers
Payments Cards and Mobile

All rights reserved. No part of the publication may be reproduced or transmitted in any form without the publisher’s prior consent. While every care is taken to
provide accurate information, the publisher cannot accept liability for errors or omissions, no matter how caused. Payments Cards and Mobile™ is owned and
published by PaymentsCM LLP - ISSN 1759-829X © PaymentsCM LLP 2017

PAYMENTS MARKET PLACE 2017/2018 3

Categories 2017/2018
ACCOUNT & CARD ISSUING CONSULTANCY PAYMENT SOFTWARE
OpenWay Group FIME tas group
PCM Consulting
ACQUIRING- POS, E-COMMERCE PAYMENT SOFTWARE SOLUTIONS
& MOBILE CONTACTLESS TECHNOLOGY
Compass Plus
OpenWay Group SPS OpenWay Group

B2B VIRTUAL CARD PAYMENTS DIGITAL LIFESTYLE BANKING PAYMENT SOLUTIONS

Optal OpenWay Group PPRO
VeriFone
BANKING SERVICES DIGITAL WALLET PLATFORM Worldline

Saxo payments OpenWay Group

PSD2 HUB PLATFORM

BUSINESS REPORTS ECOMMERCE PAYMENT OpenWay Group

SOFTWARE
Payment Cards Yearbooks
RECEIPT PRINTER
OpenWay Group
MANUFACTURERS
CARD MANUFACTURING
SUPPLIERS EMV SOLUTIONS Star Micronics

Leonhard Kurz Creditcall

SMART CARD MANUFACTURERS
Tag Systems
CARD PAYMENT SOLUTIONS Tag Systems
EVENTS
Compass Plus
SOFTWARE AS A SERVICE ( SAAS)
Creditcall The Card & Payment Awards 2018
NCR Merchant Payments Ecosystem RS2 Smart Processing
Tag Systems Money 20/20
tas group Money 20/20 Europe SOFTWARE SOLUTIONS
TSYS Retail Business Technology Expo
Compass Plus
Trustech
TSYS
CARD PERSONALISATION
SYSTEMS FRAUD MANAGEMENT
SWITCH & E-COMMERCE
Mag-Tek NCR GATEWAY
Inform
OpenWay Group
CARD PRINTER MANUFACTURERS
MOBILE PAYMENTS
Bixolon TERMINAL MANUFACTURERS
Creditcall
Tag Systems Spectra Technologies
CARD PROCESSORS
RS2 TEST TOOLS
MOBILE PAYMENTS CONSULTING
TSYS
Accourt Comprion
FIS
CONSULTANTS
FIME
PAYMENT CARDS CONSULTING
Accourt ICC Solutions
The Strawhecker Group ( TSG) Accourt
VeriFone
PAYMENT PROVIDER
EquensWorldline

4 PAYMENTS MARKET PLACE 2017/2018

 How will we
pay
in 2018?
Acquiring and payments is changing. The people who are shaping the business are changing.
Even the way we make payments is changing. As we move into an app-centric world and the
Internet of (Payment) Things, everything will be able to make and take payments.
“We thought we understood what we had
to do, how the technology worked,” said
David Birch, innovation director, Consult
Hyperion in a conference address. “We
are moving into a time where everything
will be utterly different. It’s not going to be
business as usual,” Birch predicted.
The future is uncertain. Yet there has
never been a more exciting time to be
involved in payments. According to
Ron Kalifa, vice chairman, Worldpay,
payments is becoming much
more strategic.
No longer a back-room IT activity,
“payments have gone from boring to
boardroom.” Payments are a strategic tool
inextricably linked with a company’s brand
and reputation. At the same time, they
remain strongly national. Payment habits
have developed over time and are formed
by various cultural, political, economic
and technological factors. Therein lies
the complexity for merchants wanting to
expand globally.
International expansion means accepting
local payment methods, particularly when
trading online. If an online consumer’s
preferred payment method is not available,
they abandon the transaction 25 percent of
the time in the US.
In Europe, cart abandonment is higher
PAYMENTS MARKET PLACE 2017/2018
at 45 percent and in Asia it stands at 60
percent, according to e-payment specialist
PPRO. This is driving both take-up of local
alternative payment methods (APMs) and
back-office complexity for merchants.
Hence there is immense business value in
simplifying payment for merchants.
The same is true for simplifying regulation.
The payments industry is currently beset
by overlapping regulation. This ranges
from the PSD2 and the fourth anti-money
laundering directives in Europe, country-
specific regulations in Asia and the possible
repeal of Dodd-Frank in the US.
One industry observer described
regulators as “creating a catalyst of
confusion”, which is undeniably so, but
regulation can be seen as an opportunity
as much as an obligation.
For those with a banking background,
regulation is seen primarily as a compliance
burden. However it is no longer enough
to just be compliant. All organisations
have to do that, so there is no point of
difference. Organisations have to seize the
opportunity to innovate new products and
services. This could be seen as the second
or third effect of regulation.
Innovation has many fathers. Regulation
is merely one of them. Internal market
competition another. Payment processing
has become a commodity and providers
need to add value. According to Michael
Steinbach, CEO, equensWorldline SE,
providers must think about developing
new business models. They must offer
merchants new value-added services and
bundle card with card-less.
Kalifa feels that providers require more
components and capabilities to even
compete, including licences, technology,
scale and reach. Organisations have to
be payments providers, not merely card
payment providers.
Invisible, frictionless check-out and
payment are often mentioned, if not new,
ideals. However, frictionless does not
always equal fraudless. Consumers may
on occasion value some friction, if it helps
them to feel more confident and secure
when transacting.
Meanwhile enabling a frictionless
omni-channel journey remains an
aspiration rather than a reality. It can
be achieved in specific niches or
countries, but globally it is very different.
Integration is difficult, particularly with
legacy systems in the physical world. In
the online world, it is more a question
of overcoming a legacy mindset, which
tries to retro-fit a face-to-face experience
to a digital channel.
5
 ACCOUNT & CARD ACQUIRING- POS,
ISSUING E-COMMERCE & MOBILE

OpenWay (www.openwaygroup.com) holds #1 global OpenWay (www.openwaygroup.com) holds #1 global

ranking in Card Issuing and Merchant Management by ranking in Card Issuing and Merchant Management by
Gartner and Ovum, 2009-2016, and top global ranking
Gartner and Ovum, 2009-2016, and top global ranking
in White-Label Digital Wallets by Ovum, 2016-2017. We
in White-Label Digital Wallets by Ovum, 2016-2017. We
develop WAY4, the digital payment software platform for
banks, payment processors, e-commerce gateways, local develop WAY4, the digital payment software platform
and national switches, MFIs, telcos, oil companies, retailers, for banks, payment processors, e-commerce gateways,
and governmental agencies. local and national switches, MFIs, telcos, oil companies,
retailers, and governmental agencies.
What kind of issuer are you?
Expand or diversify your business with WAY4 What kind of acquirer are you?
Account and Card Issuing! Expand or diversify your business with WAY4
• Online account & card management Acquiring!
• Revolving and charge credit cards and accounts with • POS, e-commerce and mobile acquiring with value-
limits and fees that depend on customer transaction
added services - merchant loans, split shipment,
activity
tokenisation, multi-currency pricing, dynamic
• Prepaid and gift payment instruments, with cards and
accounts shareable among family or friends currency conversion, closed-loop prepaid and more
• Virtual accounts, cards and e-money for mobile and • Wallet & e-money acquiring
e-commerce • Merchant and co-branded loyalty programs
• Contactless cards and tokenisation • Micropayments with transaction aggregation for lower
• Monetisation of cardholder loyalty – personalised interchange fees
targeted cross-sales and up-sales
• Support of PSPs, merchant payment aggregators,
• Instalments, microloans, sales finance partnership with
payment facilitators, marketplaces
merchants
• Fleet and transit acquiring
• API & PDS2 banking
• Microfinance and micropayments, payday loans • Agent banking and agent top-up schemes for telcos
• Card-, account- and wallet-based remittances • PSD2 models
• Multi-currency cards and accounts
• Online, automated and scheduled payments and Who is using WAY4?
transfers from cards Tier-1 global leaders, mid-size companies and ambitious
and accounts
start-ups, some of them processing over 600,000
• Corporate and fleet card issuing
merchants, 188 countries, and 15,000,000 transactions
• Value-added services based on currency conversion,
personal finance assistant, data insight per day.

Who is using WAY4? WAY4 Acquiring – highlights

Tier-1 giants, mid-size companies and ambitious start-ups, • Flexible online back-office for complete transaction
some of them managing over 200,000,000 accounts lifecycle
online. • Omni-channel
• Acceptance of any financial instruments: B2C and B2B
WAY4 Acquiring – highlights cards, accounts, wallets, e-money, tokens
• Any type of cards and accounts
• Cross-border, multi-currency, multi-bank schemes
• Flexible online back-office and authentication for
• Certified by MasterCard, Visa, UnionPay, Amex, Diners
complete transaction lifecycle
• Certified by Amex, Diners Club, JCB, MasterCard, Visa, Club, JCB and PCI DSS (PA-DSS compliance)
UnionPay and PCI SSC (PA-DSS compliance)
Learn more www.openwaygroup.com
Learn more www.openwaygroup.com

6 PAYMENTS MARKET PLACE 2017/2018

 BANKING SERVICES BUSINESS REPORTS

PAYMENT CARDS YEARBOOK

A highly detailed view of analysis
The Saxo Payments Banking Circle is the innovative financial utility and trends in the payments market
in each of the 43 countries profiled-
underpinning the service proposition of FinTechs, Payment Providers, FX
including Payments Card, Internet
businesses and Banks. Powered by the Banking Circle, the web interface Payments,Mobile Payments,
delivered in the FinTech’s name enables merchants to pay suppliers directly Contactless and notable changes in
Bank, Central Bank and Regulatory
without any loss of time or cash, truly empowering global trade.
Frameworks.

paymentcardyearbooks.com
www.bankingcircle.com

CARD PAYMENT SOLUTIONS CARD MANUFACTURING

SUPPLIERS

LEONHARD KURZ Stiftung & Co. KG

We provide the tools to enable
secure payment acceptance
from any device, anywhere.
From retail and hospitality, to
parking, transportation or charity
applications, our omni-channel
Payment Gateway and EMV
Kernels are at the very heart
of our partners’ businesses,
unifying payment transactions
made in-store, self-service,
online or mobile. Payment device
manufacturers worldwide rely
on our contact and contactless
EMV Level 1 Libraries and Level
2 Kernels, reducing their project
complexity, risk and time. We are
an EMVCo Business and Technical
Associate, a PCI SSC Participating
Organization, a Mastercard
accredited MEPSA company and
member of the U.S Payments
Forum, formerly known as EMV
Migration Forum. Our offices are
located in Bristol and New York.
To find out more, visit
www.creditcall.com or engage
with us on Twitter @Creditcall.
Schwabacher Strasse 482
www.compassplus.com 90763 Fuerth/Germany
Tel: +49 911 71 41-0
See main entry under Fax: +49 911 71 41-357
Software Solutions E-mail: sales@kurz.de
Web: http://www.kurz.de
KURZ is one of the leading
suppliers of security technologies
for the card industry. We offer
a complete range of card
components: magnetic foils,
OVDs, signature foils, scratch-
off, tipping and cold indent foils,
thermal transfer ribbons and
application machines.
The Fintech Startup with 30 Years of History
Shape your payments experience B2B VIRTUAL CARD
Go cashless 3.0 ® PAYMENT SUPPLIERS
www.tasgroup.eu/solutions/
cashless-world
Optimise your B2B transactions.
Many see transaction costs as just
another cost of doing business.
Not us. We constantly challenge
this convention to help our clients
save, and even make money from
Tag Systems payments. We do it by streamlining
www.tagsystems.net payment processes to reveal and
eliminate inefficiencies. Optal frees
See main entry under Smartcard global companies and marketplaces
Manufacturers to transfer funds quickly and securely.
www.optal.com

PAYMENTS MARKET PLACE 2017/2018 7

 About TSYS®  
NCR – industry leading
TSYS® (NYSE: TSS) is a leading global payments provider, offering seamless,
transaction processing secure and innovative solutions across the payments spectrum — from issuer
and fraud prevention processing and merchant acquiring to prepaid program management . We succeed
because we put people, and their needs, at the heart of every decision. It’s an
NCR is a global supplier of approach we call ‘People-Centered Payments®’.
fraud prevention and payments
processing software. NCR’s
solutions allow issuers, acquirers, Our corporate headquarters are located in Columbus, Ga., U.S.A., and our
processors and retailers to international headquarters are located in London, with approximately 11,500 team
manage all aspects of financial
members and local offices spread across 13 countries. TSYS generated revenue of
transactions and non-financial
events (ATM, POS, ecommerce $4.2 billion in 2016, while processing more than 25.5 billion transactions.
and mobile payments) via real-
time, near real-time, or batch
As one of the world’s largest companies for processing and licensing payment
processing. The NCR solution suite
delivers complex omni-channel solutions, TSYS offers a broad range of issuer-and acquirer- processing technologies
payments integration, device that support consumer finance, credit, debit, Islamic, commercial, contactless, loyalty,
security, authentication, and fraud
mobile, instalments, prepaid and related services for global financial institutions and
prevention/detection using industry
leading analytics combined with retail companies. TSYS offers strength through scalability, global scale with regional
user defined rules. NCR’s products focus, unsurpassed customer service delivery and a core competence in portfolio
and solutions are designed to be
conversions. Whether your portfolio has 10,000 or 100 million customers, TSYS can
rapidly deployed, allowing users
to take strategic control of their flex to meet your requirements.
system investment and stay one
step ahead of the market and their
TSYS provides services to more than half of the top 20 international banks, is a
competitors.
member of the S&P 500, a Fortune 1000 company, and was named one of the 2017
NCR’s Enterprise Fraud World’s Most Ethical Companies by Ethisphere magazine.
detection and prevention
solution enables users to: TSYS
• Identify and prevent fraud 10 Chiswell Street
across any payment channel London EC1Y 4UQ
• Stay ahead of the fraudsters United Kingdom
with a robust set of machine- +44 (0) 207 160 9400
learning analytic algorithms that
sales@tsys.com
adapt as fraud behavior
changes within the institution www.tsys.com / www.tsysprime.com

• Easily and quickly implement

new rules to improve account
holder protection when
CARD PERSONALISATION SYSTEMS
compromising events occur
• Deliver industry-leading
detection rates with low false
positives when an analytic
and rules based detection are
deployed in tandem
• Integrate data from many
different sources to provide Mag-Tek Europe
detailed, comprehensive, in-flight Units 25/26, Shrivenham Hundred Business Park, Watchfield, Swindon
data enrichment to support SN6 8TZ, United Kingdom
enhanced behavioral patterning E-mail: sales@magtek.co.uk
NCR is the global leader in Web: www.magtekeurope.com
consumer transaction technologies, Tel: +44 1793 786070
turning everyday interactions
Fax: +44 1793 786076
with businesses into exceptional
experiences.
MagTek is the world’s leading, provider of instant card issuing solutions for
www.ncr.com both in-branch and unattended kiosk environments.

8 PAYMENTS MARKET PLACE 2017/2018

 CARD PRINT MANUFACTURERS

PCM DAILY NEWS FEED

BIXOLON is a leading global manufacturer of dependable innovative and

advanced printing technologies that include POS, Auto ID and Mobile receipt
Insight is
& label printers for a range of environments including retail, hospitality,
healthcare, banking, logistics and warehousing. Offering extensive everything
customisation capabilities, BIXOLON views its printing technology as an
essential tool for any business and holds itself to the highest standards, since In-depth analysis,
dedication to customers is its core belief.
industry snapshots,
For more information, please visit www.BixolonEU.com news in brief and
authoritative features.
CARD PROCESSORS Payments Cards &
Mobile's authoritative
editorial coverage
separates the hype
from the happening
About TSYS®  
within the payment
TSYS® (NYSE: TSS) is a leading global payments provider, offering seamless, cards and mobile
secure and innovative solutions across the payments spectrum — from issuer
processing and merchant acquiring to prepaid program management . We succeed payment industry.
because we put people, and their needs, at the heart of every decision. It’s an
approach we call ‘People-Centered Payments®’. Subscribe now
Our corporate headquarters are located in Columbus, Ga., U.S.A., and our
international headquarters are located in London, with approximately 11,500 team
members and local offices spread across 13 countries. TSYS generated revenue of
$4.2 billion in 2016, while processing more than 25.5 billion transactions.

As one of the world’s largest companies for processing and licensing payment
solutions, TSYS offers a broad range of issuer-and acquirer- processing technologies
that support consumer finance, credit, debit, Islamic, commercial, contactless,
loyalty, mobile, instalments, prepaid and related services for global financial
institutions and retail companies. TSYS offers strength through scalability, global
scale with regional focus, unsurpassed customer service delivery and a core
competence in portfolio conversions. Whether your portfolio has 10,000 or 100
million customers, TSYS can flex to meet your requirements.

TSYS provides services to more than half of the top 20 international banks, is a
member of the S&P 500, a Fortune 1000 company, and was named one of the 2017
World’s Most Ethical Companies by Ethisphere magazine.

TSYS
10 Chiswell Street PAYMENTS INDUSTRY INTELLIGENCE

London EC1Y 4UQ

United Kingdom
+44 (0) 207 160 9400
Payments CARDS & MOBILE
sales@tsys.com
www.tsys.com / www.tsysprime.com paymentscm.com

PAYMENTS MARKET PLACE 2017/2018 9

 CONSULTANTS

Please see our main entry in

Payment Solutions
The Strawhecker Group (TSG) is a fast-growing analytics and consulting firm www.verifone.com
focused on the electronic payments industry. TSG’s unique offering to the
payments ecosystem is built on decades of focused expertise and powerful
data and the combined intangible value these provide. TSG informs and guides
the globe’s leading payment players, from fintech startups to Fortune 500
companies. Based in Omaha, a recognized payments industry hub, TSG is an
established leader in this high growth, ever-evolving space.

Accourt is a leading provider

TSG Service Groups:
of strategic and operational
› Management Consulting - Management consulting encompasses the full consultancy services to the
spectrum of advisory services within the Payments Industry. The depth payments industry worldwide.
of these services is built on analytics and deep industry knowledge.
Our clients include banks, the
› Analytics & Research - TSG is home to unparalleled metrics exclusive card schemes and financial
to its growing data warehouse of card data on over 3.5 million card services institutions, payments
accepting merchants. and technology providers,
› Buy/Sell Consulting - TSG has performed more valuations of payments telecom operators, corporates,
companies than any other firm, having completed more than 200 merchants, and government
valuations in the last decade. organisations.
› eReports - TSG’s analytics and consulting combine to provide We aim to make a powerful,
whitepapers on industry players, new entrants, and essential knowledge positive difference to our clients’
to improve decision-making. futures.

www.accourt.com
www.TheStrawGroup.com | Info@TheStrawGroup.com | +1(402)-964-2617

CONSULTANCY

PCM CONSULTING
Payments Cards & Mobile
Consulting brings deep industry
expertise backed by a strong
m-payment operational heritage,
offering in-depth opportunity
appraisal, strategic and operational
advice and professional insight for
any mobile financial services or
m-payment challenges.
We are proficient in: Market analysis,
FIME offers comprehensive consulting services, technical training, technology design, Marketing Management, Branding
test tools and certification testing across the financial services, telecom, transport and Communication strategy,
and identity sectors. Its experts support projects from start to finish, resolving the Existing business migration,
technical challenges its customers face when implementing a complete portfolio of Identification and quantification
of market segmentation, Due
specifications, standards and multi-brand industry requirements.
Diligence, Partner selection,
Roll-out map and Interim
management.

For more information visit paymentscardsandmobile.com

www.fime.com

10 PAYMENTS MARKET PLACE 2017/2018

 WHY
UNDERSTANDING
CULTURAL HABITS

PAYS
Match your merchants with the proper
cross-border payment preferences

C
onfidence in alternative payment methods for environment at the time of the transaction. Merchants
cross-border purchases have never been higher. need to meet payment expectations, or lose to a
Online merchants are rushing to take advantage competitor that offers the preferred payment method at
of this trade. However, expanding into new markets only checkout.
makes sense if you’re set up
to take payments from each Adding new payment
local customer. Self-evident, An alternative payment methods allows new
right? Well, payment habits customers to make
can vary enormously all over method is any payment method payments
the world – more and more that offers an alternative With a single contract, single
so with each day. API and single monthly
to paying with cash or an payment, you as a payment
Don’t assume that internationally accepted credit service provider (PSP) or
commonly available
acquirer can gain centralised
payment methods are or debit card. access to more than 140 local
enough
APMs from all over the world.
Local payment cultures are shaped by regulatory We at PPRO help you to integrate our API and provide
regimes, financial culture and historical factors as well as merchants with the payment methods they need to
economic growth. Preferred payment methods fluctuate accept more payments and meet their business goals.
depending on the relevant country and general market

Contact us today to find out how we can help your customers:

relationship@ppro.com
PAYMENTS MARKET PLACE 2017/2018 11
 CONTACTLESS TECHNOLOGY DIGITAL WALLET PLATFORM

(SPS) Smart Packaging Solutions

85 Avenue de la Plaine, Zl de
Rousset-Peynier, 13790 Rousset
France
OpenWay (www.openwaygroup.com) holds top global ranking in White-Label
Tel : +33 4 42 53 84 40
Digital Wallets by Ovum, 2016-2017. We develop WAY4, the digital payment
Fax : +33 4 42 53 84 48
software platform for banks, payment processors, e-commerce gateways,
www.s-p-s.com
local and national switches, MFIs, telcos, oil companies, retailers, and
contact@s-p-s.com
governmental agencies.

SPS is a global leader in reliable WAY4 Wallet – your solution

technologies involving Dual 6
(6pin) and Dual 8 (8pin) modules
for Dual Interface smart cards.
SPS antennas and S-Lam are
compatible with all main chip
suppliers, foil, and all other
security features for the banking
market.
With offices in France and
Singapore, its market offer
is stimulated by its inductive
coupling based eBooster
technology which enables
card manufacturers to use
their standard equipment (with
no extra investment needed
in dedicated machinery) and
achieves both the lowest card
manufacturing cost and highest
card reliability.
SPS eBooster proven technology
has set itself as the new standard
for Dual Interface cards.
for omni-channel personalised wallet offering
• Omni-channel wallet for POS, e-commerce and m-commerce payments
and loyalty
• Contactless e-commerce, mobile in-app and in-store payments and
couponing via QR, NFC, SMS USSD and in-app payments. Local QR and NFC
schemes, mVisa, Apple Pay, Samsung Pay, Android Pay
• Loyalty monetisation based on customer behaviour, segmentation and
tiers, personalised loyalty, cross- and up-sales based on customer purchase
analysis
• Merchant loyalty clubs, targeted offers via wallet based on cross-merchant
data insight
• P2P, P2M, P2G, B2B, and B2G transfers, bill splitting
• Online and one-click payments
• Mobile check-in and check-out
WAY4 Wallet – highlights
• White-label digital wallet software platform: back-office, gateway, API and
app management
• Complete transaction lifecycle
• All financial instruments: credit and prepaid cards, wallet accounts, e-money,
coupons, bonus points, alternative payment methods
• Online payments and transfers
• Omni-channel: mobile app, chat bot, PC, iWatch, POS, e-Commerce,
ATM, API
• Level-3 data processing
• Cross-border, multi-currency, multi-bank solution

Learn more www.openwaygroup.com

EMV SOLUTIONS

Tag Systems is a European Smart-Card-Based solutions provider, offering full

Creditcall
services with Dual Interface card manufacturing and EMV personalization.
www.level2kernel.com
The Group provides solutions for Instant Issuance, Pin by SMS and Mobile
Payment based on HCE and tokenization, with wallet development, software
integration… Tag Systems sales and service bureaus are located in Andorra, See main entry in
Spain, Norway, Colombia, Poland and UK. www.tagsystems.net Card Payment Solutions

12 PAYMENTS MARKET PLACE 2017/2018

 DIGITAL LIFESTYLE BANKING

OpenWay (www.openwaygroup.com) holds #1 global ranking in CMS by Gartner and Ovum, 2009-2016, and top global
ranking in White-Label Digital Wallets by Ovum, 2016-2017. We develop WAY4, the digital payment software platform for
banks, payment processors, e-commerce gateways, local and national switches, MFIs, telcos, oil companies, retailers, and
governmental agencies.

WAY4 Lifestyle Banking – your solution

to predict, simplify and monetise customers’ daily financial decisions
• Omni-channel digital banking – mobile, PC, chat bot, agent banking, API, ATM, POS
• Social network banking
• User-friendly interfaces, channels and scenarios native for the new generation
• End-to-end B2B and B2C digital customer journey – from online customer on-boarding, account opening and card
generation through loyalty and coupons, online payments and transfers to personal finance assistance, and more
• Multiple e-wallet features
• Personalised offers and interactive banners – based on payment data and customer profiling
• Automated configurable workflows
• Online integration with any core banking, CMS and other systems

Learn more www.openwaygroup.com

PAYMENTS MARKET PLACE 2017/2018 13

 EVENTS

Merchant Payments Ecosystem (MPE) is THE European event for merchant

payment acceptance professionals. 2nd - 3rd May 2018,
February 20-22, 2018 The InterContinental Berlin, Germany Olympia, London
11th edition of conference and exhibition covers every aspect of card acquiring, Cards & Payments @ RBTE
alternative payments and payment technology online, mobile and in-store. www.rbtexpo.com
MPE connects: merchants with acquirers, PSPs, payment processors, schemes, Free to attend, RBTE is the must
regulators, gateways, POS HW/SW solution providers and innovative FinTechs.
visit event for retail and hospitality
1000+ attendees, including 300+ CEOs and 300+ FinTech participants from 40 organisations looking for the right
countries. The high quality program and exhibition features 150+ speakers, over tools, solutions and advice on
70 sponsors and exhibitors.
how to best run their business.
MPE is not only the conference & exhibition; it is the biggest social community Every year there is a dedicated
for European merchant payment acceptance industry, recently counting over Payments Theatre with a range of
8,300 dedicated professionals. MPE is also a freely accessible source, where
you can find relevant news, industry insights, webinars, listing of payment seminars by payment specialists
providers & methods. and retail professionals. There are
a range of exhibitors showcasing
www.merchantpaymentsecosystem.com
end-to-end solutions, from
cards and payments; marketing;
ecommerce and supply chain
to the customer. It offers the
opportunity to see a wide range
of specialist payment suppliers
and also solutions beyond pure
TRUSTECH – Pay, Identify, Connect & Secure
28 – 30 Nov. 2017 – Cannes – French Riviera payments, such as analytic
and loyalty.
TRUSTECH is the Largest International Event dedicated to Trust-Based
Technologies with unprecedented networking opportunities and not-to-be-
missed Keynote Speakers.

Join the whole industry for three days of Innovation, Business and Networking!

TRUSTECH will include amongst other things a selection of Startups and

Fintechs who will showcase their latest innovations for the Payment and
Identification industries. The world’s largest FinTech
event focused on Europe
TRUSTECH gathers in Cannes (French Riviera):
- 13,000+ Attendees from 125 countries - 49% Top Managers An unmissable event for the
- 250+ Leading International Speakers - 350+ Exhibitors & Sponsors smartest visionaries and
innovators, Money20/20 is the
For more information: destination where Payments,
www.trustech-event.com
FinTech and Financial Services
comes together to connect and
create the future of money.

In June 2018, Money20/20 lands

in its new home – the Rai in
Amsterdam – to once again focus
The Card & Payments Awards recognise customer service, excellence and the world’s eyes on Europe.
innovation in the UK and Irish card and payments industry and are judged by
an independent panel of industry experts. The Awards are open to credit, debit, Everyone is here, every time,
coming together to explore
prepaid and charge card issuers, co-brands, merchant acquirers and other
unique regional insight and
payment service organisations in the UK and Republic of Ireland. The 2018
trailblazing enterprise, seizing the
Awards are on Thursday 1 February 2018 at London’s Grosvenor House Hotel.
opportunity to meet the person
or land the deals that will change
Visit www.cardandpaymentsawards.com for information. the trajectory of their business.

14 PAYMENTS MARKET PLACE 2017/2018

 Fraud Management
EVENTS FRAUD MANAGEMENT

Money20/20 RiskShield:
RiskShield: Sustainable
Fighting Fraud
Multi-Channel Management
Payment Fraud Through Agile
Location: The Venetian, Optimization
with Pinpoint Accuracy
Las Vegas RiskShield provides
RiskShield provides a high aperformance
high performance
cross channelcross channeland
fraud prevention fraud prevention
Dates: October 22-25, 2017 and
risk risk assessment
assessment solution that solution
helps banks,that helps
acquires, banks,
issuers acquirers,
and PSPs mitigating issuers and PSPs
Website: www.money2020.com payment risk and avoid chargebacks. Prevent fraud losses and increase
mitigating payment risk and avoid chargebacks. Prevent fraud losses and
Contact: info@money2020.com customer confidence with the most adaptive and fastest deployable anti-
increase
fraud customer
software confidence
in the market withuses
today. The system thea wide
most adaptive
range and fastest deployable
of intelligent
Phone: 212-682-8000 decision processes combined with patented fuzzy logic and dynamic profiling
anti-fraud software in the market today. The RiskShield solution uses a wide
Address: 229 West 43rd St, 7th technologies to verify the legitimacy of the transaction in real-time.
range risk
of intelligent
into reward decision processes combined with patented fuzzy logic,
Floor New York, NY 10036 Turning
dynamic
Stop fraudprofiling
and manage andyour
machine
risk withlearning
intelligenttechnologies
fraud detection to
andverify the legitimacy
Event Description: ofanalysis capabilities combined
the transaction
Fraud Management in with extreme performance and seamless
real-time.
integration.
Money20/20 US is the world’s Increasing consumer convenience and loyalty by introducing a secure and
most important event covering Turning risk into
risk-based solution reward
for e-commerce payment acceptance.
Quickly respond to new fraud typologies and avoid further losses without IT
payments and financial services Stop
involvement fraud and
or coding.
Fraud Management manage your risk with intelligent fraud detection and
innovation for connected analysis
Proven capabilities
technology combined
protecting the
RiskShield: Fighting Multi-Channel Payment Fraud with
largest extreme
payment performance
and card processors in and seamless
commerce at the intersection of withthe world,
Pinpoint including FirstData, Equens, SIA and ING.
Accuracy
integration. Fraud
RiskShield provides a high Management
performance cross channel fraud prevention and
mobile, retail, marketing services, risk assessment solution that helps banks, acquires, issuers and PSPs mitigating
Increasing consumer
Winner 2015 MPE Award convenience
payment risk and avoid chargebacks. Prevent fraud losses and increaseBest Data Security and loyalty by introducing a secure and
data and technology. With 11,000+ customer confidence with the most adaptive and fastest deployable anti-

risk-based solution for e-commerce payment acceptance.

fraud software in the market today. The system uses a wide range of intelligent
RiskShield:
decision processesFraud
Fighting
combined Management
Multi-Channel
with patented fuzzyPayment Fraudprofiling
logic and dynamic
attendees from 4,500 Companies technologies to verify the legitimacy of the transaction in real-time.
with Pinpoint Accuracy
TurningQuickly
risk into reward respond to new fraud typologies and avoid
INFORM GmbH Web:cross www.riskshield.com
and 85 Countries, including RiskShield provides
Stop fraud a high performance
and manage your risk with channel fraud
intelligent fraud prevention and
detection and
Email:
riskanalysis
further
payment
riskshield@inform-software.com
assessment solution combined
risk and losses
capabilities that helps banks, acquires,performance
without
issuers and PSPs
Prevent fraud IT
with extreme
avoid chargebacks.
Phone: +49 2408
andmitigating
lossesinvolvement
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9456 5000 (Germany)
or coding.
1,700+ CEOs and 400+ speakers, RiskShield:
integration. Fighting Multi-Channel Payment Fraud
customer confidence with the most adaptive and fastest deployable anti-
Increasing
with consumer
Pinpoint convenience and loyalty by introducing a secure and
Accuracy
expected at our 2017 US event, Proven technology protecting the largest
fraud software
decision
Quickly
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in the
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market today. The system uses a wide range of intelligent
risk-based solution for e-commerce payment acceptance.
providesto
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with patentedand
typologies
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riskinvolvement
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Money20/20 is critical to realizing payment and card processors in the world, including
Turning
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RiskShield:
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world,
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FirstData,
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most SIA
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Prevent
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ING.
and fastest
card and
losses processors
Fraud
deployable
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Stop fraud and manage your risk with intelligent fraud detection and
with Pinpoint Accuracy
the vision of disruptive ways in equensWorldline, ING, FirstData, SIA and SIX.
fraud
Winner
software
analysis
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capabilities
2015 MPE
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fraud and manage most
your riskadaptive and
with intelligentfastest
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Scan the QR code and watch our video on

Email:
involvement or coding. Phone: +49 2408 9456 5000 (Germany)
manage, spend and borrow fraud software
analysis in the market
capabilities today. with
combined The system
extremeuses a wide rangeand
performance
Proven technology protecting the largest payment and card processors in
decision processes combined with patented fuzzy logic and dynamic profiling
integration.
the world, including FirstData, Equens, SIA and ING.
of intelligent
seamless

technologies
Increasing to verify theconvenience
consumer legitimacy of theloyalty
and transaction in real-time.
by introducing a secure and
money. multi-channel fraud prevention
risk-based
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respond MPE
for e-commerce payment acceptance.
reward
to newAward Best Data
fraud typologies Security
and avoid further losses without IT
Stop fraud and manage your risk with intelligent fraud detection and
involvement or coding.
analysis capabilities combined with extreme performance and seamless
Proven technology protecting the largest payment and card processors in
integration.
INFORM GmbH Web: www.riskshield.com
the world, including FirstData, Equens, SIA and ING.
Money20/20 US will be held in Increasing
Email: consumer convenience and
riskshield@inform-software.com loyalty
Phone: +49by introducing
2408 9456 5000a (Germany)
secure and
INFORM GmbH Web: www.riskshield.com
risk-based solution for e-commerce payment acceptance.
Winner
Quickly 2015
respond MPE
to newAward Best Data
fraud typologies Security
and avoid further losses without IT
Las Vegas, October 22-25, 2017. Email: riskshield@inform-software.com Phone: +49 2408 9456 5000
involvement or coding.
Proven technology protecting the largest payment and card processors in
INFORM GmbH Web: www.riskshield.com
the world, including FirstData, Equens, SIA and ING.
Email: riskshield@inform-software.com Phone: +49 2408 9456 5000 (Germany)
Winner 2015 MPE Award Best Data Security

INFORM GmbH Web: www.riskshield.com

Email: riskshield@inform-software.com Phone: +49 2408 9456 5000 (Germany)

NCR – industry leading transaction processing and fraud prevention

NCR is a global supplier of fraud prevention and payments processing software. NCR’s solutions allow financial institutions,
processors and retailers to manage ATM, POS, ecommerce and mobile payment or banking transactions, deliver complex
multi-channel payments integration and prevent fraud. NCR’s products are designed to be rapidly customizable, allowing
users to take strategic control of their system investments and stay one step ahead of the market and their competitors.
With Authentic, NCR’s transaction processing solution, customers can:
• Support all the omni-channel demands of the business today and as they evolve
• Consolidate silos in transaction processing and reduce redundancy
• Add new and innovative payment types and channels faster than
their competitors
• Save costs and have more control by managing, configuring and updating their payment system in house

NCR is the global leader in consumer transaction technologies, turning everyday interactions
with businesses into exceptional experiences.

www.ncr.com

PAYMENTS MARKET PLACE 2017/2018 15

 MOBILE PAYMENTS

Tag Systems is a European Smart-Card-Based solutions provider, offering full

services with Dual Interface card manufacturing and EMV personalization. We provide the tools to enable
The Group provides solutions for Instant Issuance, Pin by SMS and Mobile secure payment acceptance
Payment based on HCE and tokenization, with wallet development, software from any device, anywhere.
integration… Tag Systems sales and service bureaus are located in Andorra, From retail and hospitality, to
Spain, Norway, Colombia, Poland and UK. www.tagsystems.net parking, transportation or charity
applications, our omni-channel
Payment Gateway and EMV
Kernels are at the very heart
of our partners’ businesses,
unifying payment transactions
made in-store, self-service,
BIXOLON is a leading global manufacturer of dependable innovative and online or mobile. Payment device
advanced printing technologies that include POS, Auto ID and Mobile receipt manufacturers worldwide rely
& label printers for a range of environments including retail, hospitality, on our contact and contactless
healthcare, banking, logistics and warehousing. Offering extensive EMV Level 1 Libraries and Level
customisation capabilities, BIXOLON views its printing technology as an 2 Kernels, reducing their project
essential tool for any business and holds itself to the highest standards, since
complexity, risk and time. We are
dedication to customers is its core belief.
an EMVCo Business and Technical
Associate, a PCI SSC Participating
Organization, a Mastercard
accredited MEPSA company and
PAYMENT CARDS CONSULTING
member of the U.S Payments
Forum, formerly known as EMV
Migration Forum. Our offices are
located in Bristol and New York.

To find out more, visit

www.creditcall.com or engage
Accourt is a leading provider of strategic and operational
with us on Twitter @Creditcall.
consultancy services to the payments industry worldwide.
Our clients include banks, the card schemes and financial services institutions,
payments and technology providers, telecom operators, corporates,
merchants, and government organisations.

We aim to make a powerful, positive difference to our

clients’ futures.
Our consultants are all experienced practitioners with front line P&L VIEW THE PAYMENTS
experience, combining unrivalled strategic expertise with operational know- MARKETPLACE ONLINE TO
how. From defining and setting strategy, to implementing deployment, CONNECT TO COMPANIES
through to final delivery, Accourt is dedicated to minimising operational risk
and ensuring a successful and profitable outcome for our clients. We have a www.paymentsmarketplace.co.uk
passion for delivering real and lasting value and we bring focused, world-class
expertise to complement client teams.

Payments Marketplace 2018/

Accourt specialises in addressing issues affecting the payments community. 2019 will be published on
Our unique blend of experienced industry specialists and local market 26 July 2018.
intimacy has positioned us as the advisor of choice for market leaders across
the industry.

www.accourt.com Entries deadline 26 June 2018

16 PAYMENTS MARKET PLACE 2017/2018

 PAYMENT PROVIDER PAYMENT SOFTWARE

Connecting payers and payees across Europe

As pan-European leader in payments and transactional services, The Fintech Startup with 30 Years of History
equensWorldline processes billions of payments, POS and ATM transactions
each year. Besides traditional payment services (issuing, acquiring, intra- and cashless 3.0 ® is the innovative
interbank payment processing), the company’s platforms are also geared platform used by financial
for m-payments, instant payments, e-payments, e-mandates and e-identity institutions, processors and
transactions. program managers for eMoney
payments across any acceptance
network. Design and manage
Clients rely on equensWorldline’s expertise to anticipate European regulatory
new multi-application payment
changes, benefit from transformative technologies, optimize processes,
products with CARD 3.0, the
ensure operational excellence and manage risk and fraud. equensWorldline
Card Management System
accelerates it’s clients’ time-to-market and digital transformation, allowing of the cashless 3.0 suite. Its
them to cater for the shifting needs and increasing demands of their modular design makes it flexible
customers. and adaptable as payment
instruments continue to evolve for
Being part of the Worldline Group and building on more than 50 years of a customized fit to your specific
experience, equensWorldline services a broad, international client base in business needs. Do away with the
numerous countries across Europe. The unparalleled footprint allows the old “card-centric” approach with
company to achieve economies of scale and benefit from synergies, becoming cashless 3.0 and concentrate on
customer experience. Shape your
a cost-efficient and competitive business partner for seamless, secure and
payments experience:
efficient payment solutions.
Go cashless 3.0 ®
www.tasgroup.eu/solutions/
www.equensworldline.com cashless-world

PAYMENT SOFTWARE
PAYMENT SOLUTIONS SOLUTIONS

www.tieto.com/real-time-money
Verifone is one of the world’s largest POS terminal vendors and a leading
provider of payment and commerce solutions. We operate in more than 150 Please see our main entry in
countries and employ nearly 6,000 people globally. At the core of the Verifone Software Solutions
payment ecosystem is our secure, scalable framework. Our commitment
to open standards fosters global collaboration through innumerable
channels. Our hardware and software architecture, in conjunction with new
development tools, enable more efficient integration. And new partnerships
with some of the most progressive companies in payments and commerce
further drive innovation and expansion.

www.compassplus.com
Our payment terminals enjoy proven reliability in high-volume environments, Offering emerging alternative
with a product range that includes PIN pads, self-service payment systems,
payment systems and channels
mPOS and wireless devices, combined with multimedia capability, contactless/
NFC, multiple connectivity options and more. Verifone’s omni-channel payment to more conventional card
as a service platform bundles hardware, software, gateway and professional management and retail banking
services, security and encryption, estate management and reporting to deliver projects, Compass Plus delivers
all-in-one payment acceptance for merchants of all sizes. a comprehensive and integrated
range of electronic payment
info-emea@verifone.com technologies.
+44 (0)20 3264 3100
www.verifone.com See main entry under
Software Solutions

PAYMENTS MARKET PLACE 2017/2018 17

 With more than 40 years of experience in the payment business, Worldline, the European leader in payments and electronic
transactions services, can help customers from any sector (banking, retail, manufacturing, governments, health, telco,…)
anticipate major regulatory changes, boost their business with transformative technologies like mobile, artificial intelligence or
electronic wallet, optimize their processes and mine data.

For banks and payment service providers, Worldline, through its subsidiary equensWorldline, provides Europe’s most extensive
end-to-end service portfolio both for payments and cards transactions. As Europe’s leading payment service provider, we
combine long-standing proven expertise in traditional mass payment systems (issuing, acquiring, intra- and interbank payment
processing) and innovative e-commerce and mobile payment solutions. In addition, equensWorldline relieves banks’ regulatory
burdens and reduces the complexity of legacy infrastructures, saving substantial costs, while embracing the new opportunities
brought by PSD2 or Instant Payments.

For merchants, Worldline cutting-edge and seamless services facilitate consumer engagement on any device with the
payment at the heart of the shopping experience. Relying on our cross-channel payment capabilities in terms of acquiring and
acceptance, merchants can offer the best shopping experience to their customers in an easy way. Regarding the security of all
stakeholders of the payment ecosystem, Worldline offers a strong combination of efficient solutions, tools and experts to prevent
fraud and secure access to services with strong authentication.

Worldline is continuously innovating to give its customers a head start in their activities with future proof solutions.

infoWL@worldline.com / worldline.com

SMART CARD MANUFACTURERS

Tag Systems is a European Smart-Card-Based solutions provider, offering full services with Dual Interface card
manufacturing and EMV personalization. The Group provides solutions for Instant Issuance, Pin by SMS and Mobile Payment
based on HCE and tokenization, with wallet development, software integration… Tag Systems sales and service bureaus are
located in Andorra, Spain, Norway, Colombia, Poland and UK. www.tagsystems.net

PSD2 HUB PLATFORM

PSPs, consumer finance and insurance companies,

OpenWay (www.openwaygroup.com) holds top global
ranking in Digital Wallets by Ovum, 2016-2017. We develop
WAY4, the digital payment software platform for banks,
payment processors, e-commerce gateways, local and
national switches, MFIs, telcos, oil companies, retailers, and
governmental agencies.
Are you ready for PSD2?
Become compliant and advance your payment business
with WAY4 PSD2 Hub!
• Monetise your customer base with open banking APIs, online customer authentication
account access, more payments and value-added services
• Quickly adapt your IT infrastructure to instant payments at flows; SEPA
minimum time & cost
• Generate revenue on your own payment methods
• Increase revenue streams with more payment and loyalty
options
• Become the preferred partner and intermediator for banks,
merchants and other payment players, and jointly promote
online offers
• Improve customer journey and increase profitability with
personalised financial and shopping assistance
• Attract successful start-ups and other partners with APIs,
flexible pricing and high volumes capabilities
WAY4 PSD2 Hub – highlights
• Platform for PISP, AISP, ASPSP and API Banking services
• Instant payments, e-commerce gateway, ATM/POS switch,
wallets, CMS and digital banking
• Online B2C and B2B services
• Account data aggregation, customer profiling, strong
• Reconciliation: credit transfer and direct debit payment
• Merchant portal and API
• PA-DSS compliance
Learn more www.openwaygroup.com

18 PAYMENTS MARKET PLACE 2017/2018

 SOFTWARE AS A SERVICE (SAAS)

SOFTWARE SOLUTIONS

About TSYS®  
TSYS® (NYSE: TSS) is a leading global payments provider, offering seamless, secure and innovative solutions across the payments
spectrum — from issuer processing and merchant acquiring to prepaid program management . We succeed because we put people,
and their needs, at the heart of every decision. It’s an approach we call ‘People-Centered Payments®’.

Our corporate headquarters are located in Columbus, Ga., U.S.A., and our international headquarters are located in London, with
approximately 11,500 team members and local offices spread across 13 countries. TSYS generated revenue of $4.2 billion in 2016,
while processing more than 25.5 billion transactions.

As one of the world’s largest companies for processing and licensing payment solutions, TSYS offers a broad range of issuer-and
acquirer- processing technologies that support consumer finance, credit, debit, Islamic, commercial, contactless, loyalty, mobile,
instalments, prepaid and related services for global financial institutions and retail companies. TSYS offers strength through scalability,
global scale with regional focus, unsurpassed customer service delivery and a core competence in portfolio conversions. Whether your
portfolio has 10,000 or 100 million customers, TSYS can flex to meet your requirements.

TSYS provides services to more than half of the top 20 international banks, is a member of the S&P 500, a Fortune 1000 company, and
was named one of the 2017 World’s Most Ethical Companies by Ethisphere magazine.

TSYS 10 Chiswell Street, London EC1Y 4UQ, United Kingdom

+44 (0) 207 160 9400 sales@tsys.com / www.tsys.com / www.tsysprime.com

PAYMENTS MARKET PLACE 2017/2018 19


From emerging alternative payment systems
and channels to more conventional card
management and retail banking projects,
Compass Plus delivers a comprehensive
and integrated range of electronic payment
technologies. With hundreds of successful
projects across the globe spanning card,
account and merchant management, card
personalisation, payment processing, terminal
driving, self-service channel management,
mobile and electronic commerce implemented
in record breaking time, Compass Plus
ensures our customers make the most of their
technology investments.
Compass Plus
Tel: +44 115 753 0120
Web: www.compassplus.com
www.tranzaxis.com
Email: Enquiries.UK@compassplus.com
20
RECEIPT PRINTER MANUFACTURERS
International POS printer manufacturer Star Micronics offers
not only the largest range of Bluetooth, Traditional and Cloud
POS counter top mobile printing solutions approved by the
majority of payment partners today, but also the most innovative.
This includes the world’s first and only USB receipt printer to
communicate and charge simultaneously and directly via a cable
with an iPad, iPod or iPhone. Star’s TSP143III is not only a fast
entry-level traditional USB printer, but is also a low cost Apple
TabletPOS receipt solution using the device’s iOS lightning cable
to ensure continued communication with a “brick-free”, internal
power supply. Star’s range of Bluetooth printers includes not only
Bluetooth 4.0 mobile printers that can talk to multiple iOS devices,
but also the compact and elegant mPOP combined printer
& cash drawer adopted by a variety of banks globally. Star’s
extensive portfolio offers the very latest POS printing technology
for a wide variety of applications and environments. Its unique
hardware and software solutions with excellent SDKs offers ease
of integration, versatility and high performance for tomorrow’s
retailers and Star’s integration partners.
PAYMENTS MARKET PLACE 2017/2018
 SWITCH & ECOMMERCE GATEWAY

OpenWay (www.openwaygroup.com) holds #1 global ranking in CMS by Gartner and Ovum, 2009-2016, and top global
ranking in Digital Wallets by Ovum, 2016-2017. We develop WAY4, the digital payment software platform for banks, payment
processors, e-commerce gateways, local and national switches, MFIs, telcos, oil companies, retailers, and governmental
agencies.

WAY4 Switch & E-Commerce Gateway – your solution

for omni-channel cross-border payments
• Omni-channel switching – POS, mPOS, EPOS, ATM, e-commerce, mobile, interbank local and national payment switching
• E-Commerce gateway for cards and alternative payment methods
• Flexible interbank clearing and settlement
• 3-D Secure MPI 2.0 payment gateway
• Tokenisation and m-commerce
• Digital wallet hub
• Instant payments variety: inter-bank, inter-merchant, customer-to-customer, customer-to-government, customer-to-
merchant, business-to-business, payment scheme-to-bank and more
• PSD2-compliant account access and payment initiation

Who is using WAY4?

Tier-1 giants, mid-size companies and ambitious start-ups, some of them managing over 1,470 t.p.s. and 50,000,000
transactions per day

WAY4 Switch & E-Commerce Gateway – highlights

• Significant cost reduction thanks to unprecedented platform configurability
• Groovy-based scripts to support international, regional, and local protocols
• Flexible transaction scenarios based on price, risk, geography and other parameters
• Certified by Amex, Diners Club, JCB, MasterCard, Visa, UnionPay, national payment schemes and PCI SSC
(PA-DSS compliance)
• 24/7/365 with support of geo-clusters
• Cross-border, multi-currency, multi-bank schemes
• API, ISO 20022, ISO 8385, SEPA, PSD2
• In-memory grid for tokenisation

Learn more www.openwaygroup.com

TERMINAL MANUFACTURERS

Mobile Payments World

brings deep industry expertise
backed by a strong m-payment
operational heritage, offering
SPECTRA Technologies Holdings Co. Ltd. is the Greater China Leader in in-depth opportunity appraisal,
design and development of electronic transactions technologies. We have strategic and operational advice
clients and partners in more than 65 countries, providing wide range of and professional insight for any
products includes mPOS, PIN pads, Contactless / NFC reader, Countertop / mobile financial services or
Mobile payment terminals with multiple connectivity options of m-payment challenges.
GPRS / 3G / Wifi / Bluetooth / GPS. T300 series, T1000, SP530 and T810 are
our latest products.
Visit and subscribe to
E-mail: enquiry@spectratech.com / Website: www.spectratech.com www.mobilepaymentsworld.com

PAYMENTS MARKET PLACE 2017/2018 21

 TEST TOOLS

COMPRION supplies test solutions for contact-based and contactless

interfaces in mobile communications and payments. Our test tools
contribute to make cell phones, smart cards and banking terminals work
reliably and globally interoperable. As an active member of standardization
and certification bodies such as EMVCo, NFC Forum, GSMA, and
GlobalPlatform, we integrate the latest specifications and technologies FIME offers comprehensive
promptly into our solutions. consulting services, technical
training,
Our portfolio covers: technology design, test tools
• UT³ Platform – the universal platform is the core device for our contactless and certification testing across
conformance test solutions and can be extended by a robot for automated the financial services, telecom,
positioning transport and identity sectors.
• Design Validation Platform – our new contactless and modular tool family Its experts support projects
with analogue and digital measurement capabilities and an integrated API for from start to finish, resolving the
customized tests technical challenges its customers
• TraceCase – our slick tracer for discreetly spying contactless transactions face when implementing
in the field a complete portfolio of
specifications, standards
and multi-brand industry
www.comprion.com
requirements.

For more information visit

www.fime.com

FIS™ is an expert provider of test solutions and services for the payment
industry. Building on +20 years of expertise, we allow you to quickly and
confidently confirm the quality of your payment products.

FIS serves more than 20,000 clients in over 130 countries and is the largest
global provider dedicated to financial technology solutions. The company Advertising & Advertorial
ranked number one in the 2017 IDC FinTech Rankings. Advertisements give immediate
visual impact of your brand,
products and services.
www.opentestsolutions.com – info@opentestsolutions.com - www.fisglobal.com
Advertorial will show a more
comprehensive product launch or
company overview.

Web and Digital Media

Websites and Newsletters for
Payments Cards and Mobile and
Mobile Payments World
Push your marketing messages
across our e-zines, email and
social media channels
ICC Solutions Limited is a global leader in the provision of EMV test tools and
services and offers the complete set of qualified test suites for payment brand Supplements, Reports and
accreditation of contact and contactless EMV terminals. White Papers
Our tools are used worldwide enabling development, quality assurance and Promote your white paper or
regression testing in addition to formal merchant certifications. In addition, we report via our multi-media
offer a complete range of test cards, suitable for POS/ATM regression testing marketing channels.
and staff training. Working with Vantiv in the USA, ICC Solutions developed Print and digital supplements
VIABLE – an innovative and highly efficient closed-loop solution designed to reach all of our audiences across
our multi-media platform
simplify the EMV enablement, testing and validation process. VIABLE places
merchants in full control of their EMV certification activities.
paymentscardsandmobile.com
Email wendy@paymentscm.com
Web: www.iccsolutions.com Email: info@iccsolutions.com

22 PAYMENTS MARKET PLACE 2017/2018

Further Industry Listings
CARD NETWORKS EPAYMENT SOLUTIONS MPOS
American Express eWay Flypos
www.americanexpress.com www.eway.co.uk www.flypos.es
Diners Club Paysafecard iZettle
www.dinersclubinternational.com www.paysafecard.com www.izettle.com
Discover Mobeewave
www.discovercard.com FRAUD MANAGEMENT www.mobeewave.com
JCB Cybersource mPayme
www.jcbeurope.eu www.cybersource.co.uk www.mpayme.com
MasterCard Feedzai mPOWA
www.mastercard.com www.feedzai.com www.powa.com
UnionPay Threatmetrix Square
www.unionpay.com www.threatmetrix.com www.squareup.com
Visa Swiff
www.visa.com GIFT CARDS www.swiffpaycom
Nitecrest
CARD PAYMENT SOLUTIONS www.nitecrest.com OMNI-CHANNEL PAYMENTS
Multos PXP
www.multos.com LAW FIRMS www.pxp-solutions.com
NBS Technologies Alston and Bird
www.nbstech.com www.alston.com PAYMENT SECURITY
Tag Systems Locke Lord Thales e-Security
www.tagsystems.net www.lockelord.com thales-esecurity.com

COMPLIANCE LOYALTY AND REWARDS PAYMENT SOLUTIONS

Callcredit Eagle Eye Adyen
www.callcredit.co.uk/payments www.eagkeeye.com www.adyen.com
Fscom Welcome Realtime Paysafecard
www.fscom.co.uk www.welcomerealtime.com www.paysafecard.com
Six Payment Services
CONSULTANTS MOBILE PAYMENTS www.six-payment-services.com
Edgar Dunn & Company Fiserv
www.edgardunn.com www.fiserv.com SOFTWARE SOLUTIONS
Value Partners Flypay OmnyPay
www.valuepartners.com www.flypay.co.uk www.omnypay.net
Judopay Visiona
CONTACTLESS TECHNOLOGY www.judopay.com www.visiona.com
HID Global Lycamoney
www.hidglobal.com www.lycamoney.com WHITE LABEL SOLUTIONS
Ingenico Loop Pay ACI Worldwide
www.ingenico.com www.looppay.com www.aciworldwide.com
Mobeewave Optimal Payments Onpex
www.mobeewave.com www.optimalpayments.com www.onpex.com
Proxama TAG Systems
www.proxama.com www.tagsystems.net
Yapital
ECOMMERCE SOLUTIONS www.yapital.com
Bluesnap
www.bluesnap.com MOBILE PRINTERS
Klarna Sewoo
www.klarna.com www.miniprinter.com

PAYMENTS MARKET PLACE 2017/2018 23

TSP143IIIUSB.
The world’s only POS printer that can
connect directly to Apple iOS devices.
As leading POS printer pioneers, once again we’ve created a world first. The TSP143IIIU Unique Plug & Print
is our game changing USB POS printer, the first of its kind to be able to connect directly solution for the iPad
to an iPad, iPod or iPhone using the Apple Lightning cable for reliable USB
communication and simultaneous charging.
“Data & Charging”
And it is so simple, just plug your Apple device lightning cable into your iPad, plug the other
end into the Star printer and you are off – just what you would expect from the world’s most O

OFF
I

ON

innovative POS printer manufacturer. Your simple and stylish POS “till” system is ready once
you’ve chosen and downloaded your supported app of choice* with a built-in power supply –
no bulky transformers to hide away or become disconnected by accident. The hard-wired
aspect of this printer means that your receipt printing and cash drawer trigger functions will
always be available and not Wi-Fi dependent. No other stand-alone POS printer can
achieve this today.
*Phone Star on +44 (0) 1494 471111 to check your software is supported

For more information, please contact: Star Micronics EMEA, Star House,
Peregrine Business Park, Gomm Road, High Wycombe, Bucks, HP13 7DL, UK
24
www.Star-EMEA.com
PAYMENTS MARKET PLACE 2017/2018
Telephone: +44 (0) 1494 471111 · Email: sales@Star-EMEA.com