Our payment systems services

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Means of Payment

Cecabank is a provider of  fully integrated suite of products for financial institutions and processors for acquiring, routing and authorizing payments as well as for the management of card issuance and merchant acquiring side of the business.

Solutions for acquiring, issuing, and e-commerce management

Loyalty solutions (EURO 6000

privileges)

Business intelligence applied to means of payment

Connectivity, interchange and preferential negotiation with multiple networks

Mobility solutions: apps and wallets for smartphones and tablets, contactless, NFC, BLE, etc.

Technology consultancy for migration to EMV

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Means of payment - technology

PECA: supports the full range of card products – credit, debit and prepaid – as well as transactions across all channels from ATM and POS to e-commerce and mobileIntegrated means of payment management.

Support for card, merchants and ATM management

A modular means of payment solution in charge of the institution’s card, merchant and ATM management.

An out-of-the-box solution for adaptation to the EMVco standards (contactless, DDA, chip & PIN, etc.)

Complies with the security requirements of international systems (PCI/DSS, etc).

A multi-entity solution: optimal efficiency of new developments, enriched by experience of the real business.

PECA

…covering the whole value chain

…covering the whole value chain Detection Design Implementation

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Means of payment - consulting

SEDA: Manufacturer-independent CEN/ XFS (WOSA) standard ATM software.

Technology solutions focused on the acquiring side of the business (ATMs)

Rapid adaptation to each entity. Common basic core with specific customisation.

Platform certified for the main manufacturers. Wincor, Fujitsu, NCR, Diebold, De la Rue, etc…

Remote management of ATMs for software updates.

Adapted to ATM network control in PECA mode: ATM status Devices Cash Software update. Commercial screens. ATM manipulation Management of alarm routing.

…covering the whole value chain Detection Design Implementation

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Means of payment - technology

Harmonised protocols for large retailers, and management of accounting sessions and closing

Technology solutions focused on the acquiring side of the business (Large retailers):

Application for acquisition, processing and settlement of large retailer operations (large supermarkets, multi-terminal retailers)

Optional functionalities available: DCC, online PIN (loading and updating keys), Contactless

Management of flexible accounting sessions (automatic closure or at merchant's request), multiacquirer, multimerchant and multiconnection options

IP connections …along the whole value chain Detection Design Implementation

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Means of payment - technology

Remote management platform for point of sale terminals

Technology solutions focused on the acquiring side of the business

Remote Point of Sale Terminal Management Service and Application: Software updates, parameter updates and remote diagnosis

Enables automatic remote management of POS terminals without visiting retailers (saving on call outs)

Web console for administrator use (sending new parameters, software updates, and alarm monitoring)

The remote diagnosis module receives alarms sent by terminals in the event of a malfunction or breakdown.

…along the whole value chain Detection Design Implementation

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Means of payment - technology

Pasarela Plus for point of sale terminals

Technology solutions focused on the acquiring side of the business :

Application and Service for point of service terminal communications and security management

Specialising in transforming terminal output protocols to connection centre input protocol

Enables end-to-end protection of terminal communications over open IP networks.

Enables online PIN management on PoSTs: lifecycle management of terminal keys and PIN transport between single terminal key and connection centre zone key.

… along the whole value chain Detection Design Implementation

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Means of payment - technology

PoS-PC solution

Technology solutions focused on the acquiring side of the business

Point of sale solution with PIN-PAD connected to a PC

Devised for medium-to-large retailers

Chip reading (chip or stripe) + PIN or signature

Enables integration with retail management software

… along the whole value chain Detection Design Implementation

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Means of payment - technology

Mobile PoS solution

Technology solutions focused on the acquiring side of the business

PoS terminal: App for Android and IOS

No hardware required

Devised for mobile retailers

Manual data keying

… along the whole value chain Detection Design Implementation

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Means of payment - technology

m-POS solution

Technology solutions focused on the acquiring side of the business

PoS terminal: Android and IOS app for smartphone or tablet with Bluetooth connection to a PIN-PAD

Enables access for retailers with relatively few operations

Gives establishment payment guarantee

Secure PIN-PAD with PCI certification

… along the whole value chain Detection Design Implementation

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Means of payment - technology

E-commerce software (Virtual PoS solution)

Technology solutions aimed at e-commerce:

Point of sale terminal for e-commerce

Operations and security parameterisable by the acquiring entity

Integration with merchant's payment website

Optionally, the merchant can be prevented from accessing card data

… along the whole value chain Detection Design Implementation

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Means of payment - technology

Wallets and payment and loyalty app solutions

Technology solutions for mobile payments:

Wallet solution for cardholders interoperable with any issuer worldwide.

Android and IOS app does not require hardware

Allows virtual cards and single-use payment codes to be generated

Enables loyalty programs to be integrated

Integration with Visa (V.me) and MasterCard (MasterPass) wallet solutions

… along the whole value chain Detection Design Implementation

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Means of payment - technology

Fraud alert systems

Technology solutions focused on fraud management

Alerts to possible card operation and retailer fraud

Neural system developed by IIC at the Madrid Autonomous University

Allows online refusal of transactions suspected of fraudulent origin

Adapted to all channels (face-to-face, e-commerce, manual operations, etc.) and devices (ATMs, PoSTs, wallets, etc.)

… along the whole value chain Detection Design Implementation

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Means of payment - technology

Illicit or hazardous activity detection system

Technology solutions focused on e-commerce content management

Alerts to acquirer entities of illicit or hazardous content on their e-commerce sites

Developed by the US leader, G2 Web Services

Compliance with international card brand requirements

Avoids loss of reputational value and possible penalties

… along the whole value chain Detection Design Implementation

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Means of payment - technology

Antiphishing system

Technology solutions focused on fraud management

Warns of possible scamming of the entity's identity by a malicious website

Developed by Spanish firm s21sec

Enables phishing websites to be closed down

Saves on economic losses and loss of reputation

… along the whole value chain Detection Design Implementation

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Means of payment - technology

E-banking fraud monitoring

Means of payment business support at various stages of the value chain

Alert system warning/preventing e-banking transactions suspected of being fraudulent

Avoids potentially significant losses

Creates customer use profiles

On-line blocking and reporting of any suspect or unusual transactions or users

… along the whole value chain Detection Design Implementation

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Means of Payment

Our expertise...

Means of payment business support at various stages along the value chain

Members of:

• MasterCard Europe Advisory Board

• MasterCard Europe Fraud Advisory Council (EFAC).

• MasterCard Europe Experts Chargebacks Working Group

• MasterCard Europe Debit Advisory Committee

• MasterCard Europe Legal and Regulatory Advisory Committee

• Visa Spanish Members Committee

• Visa National Brand Committee

• TRIONIS Board of Directors

• Eufiserv Payments Board of Directors

• Cards Working Group, within the EPC

• European Payments Advisory Committee

• Acquiring and Acceptance Business Forum

Direct participation in institutional forums:

• Bank of Spain SEPA migration commission

• Bank of Spain SEPA migration observatory

• European Commission Committee of Experts on Payments

• Activities outside of official groups, but of value: European and national lobbying on sector regulation (European Parliament, European Commission, Council of the European Union, European Central Bank, Bank of Spain, General Secretariat for the Treasury and Financial Policy)

• Cooperation with the Judiciary and Security Forces

… along the whole value chain Detection Design Implementation

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Means of payment - consulting

Analysis of international charges: Benchmarks

Means of payment business support at various stages along the value chain

Analysis of international systems' rates using proprietary tools

Portfolio optimisation maintaining the product range (premium, consumer, company, prepaid)

Verification of theoretical vs. Actual cost

Reduction of direct costs in profit and loss

… along the whole value chain Detection Design Implementation

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Means of payment - consulting

Fraud prevention and response. Best practice in traditional operations and new mobile solutions

Means of payment business support at various stages along the value chain

Customised advice to entities to reduce fraud rates

Real-time computer alert tools on latest threats and/or attacks in the sector

Definition of security plans to achieve lower market fraud rates:

Detection of weak points and noncompliance Improvement plans

Management and detection of possible merchant or ATM data leakage

Application of PCI standards

… along the whole value chain Detection Design Implementation

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Means of payment - consulting

Merchant profitability analysis tool for acquirers

Means of payment business support at various stages along the value chain

Calculating merchant profitability

Detection of agreements in deficit

Detection of merchants shared with other acquirers

Simulation of best-case scenarios

… along the whole value chain Detection Design Implementation

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Means of payment - consulting

COFRE: optimisation of fraud-management costs

Means of payment business support at various stages along the value chain

Once fraud has been detected, the economic impact on the entity needs to be minimised

Diagnosis and detection of weak points in procedures and management of fraud that has occurred

Analysis of the cost structure of this management

Identification of improvements and action plan to improve success rates in fraud-related dispute management

… along the whole value chain Detection Design Implementation

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Means of payment - consulting

Means of payment business support at various stages along the value chain

Specialist incident and reversal management service. Best practice. Management and advice on incident standards and

reversals logic in order to achieve efficient and successful dispute management

Optimising reversal management processes. Optimising incident documentation management

processes.

Optimised tools for the handling and transmission of incidents from branches

Management of loss recovery with insurers

… along the whole value chain Detection Design Implementation

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Means of payment - consulting

Means of payment business support at various stages along the value chain

Technical standardisation consulting

EMV standard consulting: Analysis of standard, identification of impacts, studies of development

Contactless consulting: Support for implementation of contactless projects in accordance with international brand specifications and procedures

PCI PIN consulting: Collaboration in the analysis of compliance with PCI PIN standards and support on Visa International audits

… along the whole value chain Detection Design Implementation

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Means of payment - consulting

Means of payment business support at various stages along the value chain

Standards and regulatory consulting

Analysis of each project or product launch, to ensure compliance with all applicable standards (national, international, and card brands)

PSD-2

MIF regulations

Comprehensive regulatory advice

Ongoing legislative/regulatory analysis: national and community sector regulation, and international brand standards

Ad Hoc: global "visa" of project specific compliance: analysis in terms of national and community sector regulations and international brands' standards

a single "seal" guarantees compliance with all the applicable standards

Analysis of legislation (public) and standards (card brands) in force, and lobby study of rules under development

…along the whole value chain Detection Design Implementation