An introduction to the UK’s leading Bacs approved Bureau

“From simple & affordable - to bespoke API technology”

First Capital Cashflow - In Commercial Confidence

First Capital Cashflow HQ - Sutton House

Overview....

Discover how you can combine SAGE and the First Capital Cashflow

Direct Debit/Credit solution, to enable your organisation to process,

automate and integrate in to SAGE for both B2C and also for B2B (in to

Accounts Receivable Ledger) collections.

Explore how using Direct Debits for B2B collections, can put you in control;

Be paid faster,

Be paid on time/due date,

Improve client retention,

Cut credit control

The PM’s crack down....

David Cameron’s pledge to crack down on late

payments has been welcomed by business

leaders.

The PM said he would take action against late

payments, which in some cases can lead to staff

not being paid and even drive SMEs out of

business.

He plans to announce a consultation on tackling

late payment and whether there is a case for

further legislation or penalties.

You could wait for legislation or take matters into

your own hands today with B2B Direct Debits

“It’s not right that suppliers are not getting paid on time for the work they do and the services they provide, and I know that late payment can have devastating effects on our small and medium-sized businesses”

David Cameron

Understanding integration....

Existing inefficiencies

Time consuming manual Rekeying of Direct Debit instruction data in to

Sage 

Error prone – possibility of mistakes when rekeying data

Must be a better way - need a fire and forget solution

Integration Options and Benefits

Sage File Import – Requires manual editing and processing of file (Clunky)

Bespoke Apps – Often too costly for SME's, never up to date with latest

versions

3rd Party App - Preferred option, low cost, off the shelf solution, maintained

by vendor, assuming vendor is reliable i.e. FCC

Understanding integration....

Introducing our Sage integration Partner: Zynk

Sage accredited, company trading 10 years, on sale in Sage Web

Shop, Flexible solutions

Direct integration to FCC API

Scheduled download of processing of DDI's and automated posting

to Sage

Integration Options

Download as Sales Receipts 

Download as Bank Receipts

Workflow can be customised without needing "bespoke"

Who we are....

Established 2001, 98% customer retention rate

Consistent in exceeding Bacs regulatory and security/Governance requirements

Specialist Bacs provider (Bureau Number B60684)

Unlike other Bureaus, in-house purpose built product

In-house UK developers and support - no outside contractors

Bacs Audit – Scoring Excellent, reduce your risk

PCI DSS – Security based “measures” and Encryption

Data securely hosted off site, across multiple UK sites, continuity of service

Double digit growth for the past three years, profitable and debt free.

Fully insured, excellent credit rating and accounts

Solutions are dictated by clients’ requirements - don’t believe one size fits all.

Vertical sector solutions for example SME, Corporate, NFP, FI’s, Banks, Clubs

Solutions can be white labelled – collections made under a clients own brand.

ISO 9001:2008 quality management certified.

A member and key contributor to the Bacs Affiliate Group.

Pooling together over 70 years of experience in banking and technology

Combined with leading edge technology, experience of working with Banks/FI’s.

Who we are....

How we work....

Fully manned UK based clients services team.

Interaction with clients via email, phone and support ticketing.

Dual layer of authorisation required for reconciliations/release of funds.

Segregated areas of business processing for clients.

Dedicated Account Manager.

Transparent and flexible fee structures to suit all requirements.

Providing a secure end to end fully compliant service.

Consultancy, implementation, project and account management.

Known for our cost effective fees and best in class solutions and service.

Consultancy, advice/guidance, form filling assistance – “hand holding”

Where we sit in the UK Clearing Bank space....

Bacs scheme requires an entity to obtain a Service User Number (SUN) from

a sponsoring provider or Bank in order to utilise Direct Debits/Direct Credits

UK Banks issue SUN’s at their own discretion taking into account the financial

stability, banking relationship, credit history and turnover of a business.

Even with sponsorship in to the scheme, in-house processing can be

administratively and financially demanding.

Banks/Accounting solutions lack “value add” such as API, On line sign up,

Direct Debit Management Solution

FCC provide FM (Facilities Management) sponsorship in the place of a bank

or work as a Bureau utilising the clients own SUN.

Payment gateway, a SaaS / Cloud based Bureau – FCC take the costs out,

improve security and the efficiency of your Direct Debit Collections.

Combination of paper based, web based, paperless Direct Debit options

Secure controlled sign off data file submission via smartcards and readers.

Regarded as the most innovative and technically advanced business in the

Bureau processing industry – leading the way.

What we do....

What we do....

Bureau

FCC act as an outsourced submissions only or fully managed service to

organisations and businesses utilising direct debits and/or credits via a

clients own SUN.

Facilities Management (FM) – subject to risk analysis and underwriter approval

FCC is part of the Facilities Management scheme (sponsored by NatWest)

which allows FCC to sponsor its own client base in to the Bacs scheme. All

clients FM funds are managed in ring fenced client accounts.

What we do....

Managed or Submission only Bureau SolutionsA flexible, cost effective,

secure and reliable alternative to in-house software

Facilities ManagementWhite labelled end-to-

end service without bank sponsorship (SUN)

Emergency processing

A quick and secure means of submitting

Bacs files

Other payment optionsSecure card-processing, SWIFT, E-wallets, FX, SEPA, International

payments etc.

API Solutions Market leaders in delivering reliable

Application Programme Interface (API) solutions

System ConnectivityWorking closely with a wide range

of mainstream Accounting Systems, CRM & ERP vendors to

ensure connectivity

Bacs Bank Cloud platformA value add, integrated Bacs processing

solution to remove manual steps of processing Direct Debits/Credits between

banks & accounting systems

Multiple sign up options

Online hosted, iFrame, Telebased, Paper, Email

– Complete flexibility

Sample Clients….

Connectivity….

Work closely with wide range of key Accounting, CRM and ERP vendors.

Connectivity between our bureau services with common file formats

Sample Partners….

Our Security ....

Physical- Tier 3 – 24x7x365 manned

- Gated compound, Proximity access cards, security guards

- Private dedicated racks

Isolation- Fully integrated security architecture

- Sensitive encrypted data isolation- VLAN segregation of data networks

Intrusion- DDoS & DoS mitigation

- IDS/IPS Services- Monthly vulnerability and penetration

Perimeter- Enterprise Firewalls

- Unified Threat Management- Patched hourly

Our Resilience ....

Sites Two fully independent sites separated geographically and linked by 100MB backhaul for data synchronisation.

MonitoringActive internal and external monitoring from distributed systems with 24 hour assisted engineer response to site and high Service

Level Agreements.

ServersTwo complete independent server provisions with real-time file and database replication, each provision capable of full Direct Debit

processing.

ProvisionSeparate N+N1 power backed by

generators with and multi-homed diverse internet provisions again in N+N1 format.

Application Programming Interface (API)

Specification to allow software components to interface with each other

Straight Through Processing (STP) - Complete end to end Solution

API Integration, ensures connectivity with end to end transactions.

Easy to implement

Can be branded as your site - Look and feel of your company

Online paperless (Hosted online) Option

(Screenshot from hosted web page)

Web Interface with your branding which complies

to regulations for the online setup of Direct Debit

Complete white labelled solution

Flexible fields to capture appropriate information

Postcode look up functionality

Auto fill options

Real time modulus check on account number and

sort code match

FCC Client Admin Portal ....

Securely hosted login to the most comprehensive and flexible admin portal in the industry

Optional tiered access for users with different permissions

FCC Client Admin Portal ....

Simple but powerful admin portal developed with usability in mind

View, amend and review payer details at the click of a button 27/7/365

Wide and flexible range of criteria

FCC Client Admin Portal ....

A flexible wide range of payment and payer history reports easily accessible and downloadable in CSV or PDF format

Simple file upload facility via client admin portal

FCC Client Admin Portal ....

Ticket support service in addition to telephone support

Full admin portal training included as standard

SMTP Relay email - Option to send all communications branded “as client”,

For example:

Forecast / look ahead reporting tool – number of transactions / amounts to be collected

Reports e.g. to allow clients to see which payers have cancelled between specific dates

New features (developed from client feedback)....

Future features (always forward thinking)....

Adding features, keeps FCC as the most advanced and secure Bureau

To improve your collections, save time, money, provide efficiency gains and give you better visibility of your transactions – anytime, anywhere

KYC review

Business Intelligence / “At a glance” real time Graphic Dashboard

Enhanced import and export file format support

Smart Phone App review

“Plug and Play Library” common file formats and competitor file support

Signup via web browser on Interactive TV, Smartphone, Tablet

Take on board customer feed back / requests

Flexible solutions to meet all requirements, API integration to hosted sign up

Best in class Resilient, Compliant, Secure, Contingent & Trusted

Branding options

Recommended by clients, major brands, banks, CRM and ERP vendors

PCI DSS “measures” plus Bacs Security, reduce your risk

FCC accounts voluntarily audited – sustainable and debt free

Applied to be FCA (previously FSA) regulated

ISO 9001:2008 quality management certified, audited on site annually

No expensive “upfront” software costs or licence fees, upgrades or Cap Ex

FCC in-house UK developers, product, support - no outside contractors

Bacs processing is our key, core business, not yours.

Recap on First Capital USP’s

What else FCC can help with ....

Credit Card Processing

Does your organisation have recurring, subscription or instalment transactions?

Do you need to process credit and debit card payments online or offline?

If so, through FCC, we can provide a range of extremely cost effective card payment services.

Other Payment Solutions

A range of selected, trusted partners, that cover a wide range of payment issues from SEPA, FX, International payments, E-Wallet, virtual bank accounts, Card Terminal Rentals and more.

We aim to be a long term trusted partner, not just a basic outsourced service provider

Thank you

Paul Simpson – Sales DirectorMob: 07791 021 708Tel: 0844 82 66 700Email: paul.simpson@firstcapitalcashflow.comWeb: www.firstcapitalcashflow.com

Conrad Broadbent – Managing DirectorMob: 07747 608 095Tel: 0844 82 66 700Email: conrad.broadbent@firstcapitalcashflow.com Web: www.firstcapitalcashflow.com