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gpcNEWSISSUE 2 | DECEMBER 2007

Happy BirthdayGPC Visa celebrates its 10th birthday

Online ServicesKeep cardholder spend clearly in sight

Leading the wayB&Q implements an electronic

VAT invoicing solution

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WelcomeWelcome to our second issue of GPC News. We received some fantastic

feedback on our first issue in June and hope you continue to find GPC News

informative and helpful in running your GPC Visa programmes.

GPC Visa celebrated its 10th birthday in October, a key milestone and a great

achievement. Key areas of the public sector, such as local government and

higher education, are growing at pace, which proves that GPC Visa still has

the potential to grow and deliver even more exciting savings and results for

the public sector. Local government, which includes schools, has seen an

impressive 238% increase in annual spend on GPC Visa with higher educationseeing a 175% growth in GPC Visa schemes.

Barclaycard Business has recently been successful in securing Framework

Agreement status through OGCbuying.solutions to provide Acquiring Services

for the public sector. This is great news for us and also for you as Barclaycard

Business can now provide you with the ability to make and take payments

through one supplier. For further information please go to pages 1821.

Please feel free to use our dedicated email gpcnews@barclaycard.co.uk to

forward your comments, feedback and any topics you would like us to covernext year. We have also uploaded a pdf version of this issue on our website

www.barclaycardbusiness.co.uk/gpcnews

Your business is very important to us and we thank you for your continued

custom. I wish you all a successful 2008.

Denise Leleux

Commercial DirectorCommercial Cards and Payment Solutions

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Happy BirthdayGPC Visa celebrates its 10th birthday

Making the most of GPC VisaWe show you how

Have you seen the awards?Announcing June and September winners

e-Procurement and GPC VisaHand in hand

Finding your perfect partnerReviewing suppliers driving greater efficiencies

Argos Business SolutionsAre you getting your discount?

A day in the life ofHow busy is your GPC Visa?

B&Q and VGISLeading the way

Business Travel ShowSee you there

A new dealOGCbuying.solutions announce Acquiring framework agreement

Taking card paymentsThe benefits and how we can help

ePDQ - a whole new worldOpen up your website to online payments

HousekeepingNews and account health check

Further informationWebsite, contact details and other useful information

ontents

16

17

10-11

4-5

9

14-15

18-19

20

21

22-23

24

8

6-7

12-13

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How is it being used?Over the past year or so, the strongest growth in GPC Visa usage

has been experienced in the local government and schools sectors.

Here the number of cards has increased from over 5,500 cards to

just under 15,000 cards an increase of over 165%, while the

number of transactions has increased by an astounding 327%

from 161,382 to 689,195.

The central, civil government and defence sectors, where

GPC Visa was first introduced have experienced steady growth,

both in the numbers of organisations using GPC Visa and in the

transactions being placed through the schemes. The departments

in this sector represent 78% of the GPC Visa programme and

some of the schemes are nearly 10 years old, so on this basis

a growth rate of over 13% in this sector is impressive, proving

the benefits of GPC Visa are compelling and long term.

Travel and office stationery continue to account for the

largest percentage of GPC Visa spend, followed by hotels andaccommodation, general retail and wholesale, computer

equipment and services and building materials. However, it is

anticipated that the range of products and services bought

will continue to develop as public sector organisations identify

more and more innovative ways to use GPC Visa to meet their

purchasing requirements.

In addition, GPC Visa continues to make a significant

contribution to the reduction of waste. By saving an average of 10

sheets of A4 paper per transaction, it is estimated to have reduced

the carbon output of the UK public sector by nearly 150 tonnes.

aunched in 1997 following a fully compliant tender process,

the GPC Visa programme offers one of the easiest ways for

the UK public sector to meet its efficiency targets. Today

there are now more than 108,000 GPC Visa users and over 900

active programmes around the country.

With spend on GPC Visa to date exceeding 2.5 billion and

savings in excess of 470 million*, there has never been a more

compelling reason for those involved in procuring goods and

services in a public sector environment to take serious note of

its potential.

David Harrison, Vice-President, Visa Commercial, Visa Europe,

talks about some of the ways in which the UK public sector has

been harnessing this essential procurement tool to save money

and improve frontline service delivery.

GPC Visa enables users and organisations to negotiatediscounts and faster delivery of goods and services so that

savings can be redeployed into other areas of the organisation.

At the same time it makes back office processes more efficient

and less time consuming, freeing staff from unnecessary

bureaucracy and paperwork and allowing them to focus on

frontline service delivery.

Viewed in this way, GPC Visa becomes a cornerstone of public

sector efficiency. And, because it is so flexible and versatile, it

can be used by any size of organisation, either as part of a wider

efficiency drive or as the primary agent of change.

4 GPC Visa

Happy10th BirthdayNow in its 10th year, the Government Procurement Card (GPC Visa)has successfully generated in excess of 470 million in cumulativesavings for the public purse.

L

*Savings calculated using the National Audit Office (NAO) approved figure of 28 per transaction.

38,785,880 sheets of A4 paper have been saved over the past 10 years. This figure has been calculated on the basis of the energy required to create the 38.78 million

sheets of paper and does not account for any of the carbon savings associated with the transporting, printing or disposal of the paper.

L

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What does the future hold?As a result of programmes like GPC Visa the UK public sector is well

on the way to reaching its target of 21.5bn of efficiency savings by

2007/8. However, although GPC Visa usage has risen dramatically

over the last 10 years, the capacity for growth remains high.

One thing is certain, given the scale of efficiencies that GPC Visa

has contributed to date, GPC Visa is the most sustainable and

successful procurement solution in use by government today.

This graph demonstrates just how rapidly the programme

has been accepted by the public sector and that, despite the

programme moving into its 10th year, there is no let up in

its rate of growth. In July 2006, the cumulative spend on

GPC Visa passed the 2 billion milestone, through nearly

four million transactions.

In a recent communication from the Office of Government

Commerce (OGC) to senior officials across the public sector,

GPC Visa has been identified as one of 12 commercial

procurement arrangements which should be adopted because

of the strong value for money that it represents.

David Harrison, Vice-President, Visa Commercial, Visa Europe, says:After more than a decade, public sector confidence in GPC

Visa has reached new heights. The fact that the OGC has decided

to recommend it across government as one of a select number of

commercial procurement arrangements is further evidence that

it has become an essential best practice tool to achieve public

sector efficiency gains. With over 108,000 cards in circulation and

cumulative savings to the taxpayer exceeding 470 million it

has reached full maturity and is suitable for small public sector

organisations as well as the largest government departments.

Peter Fanning, Former Acting Chief Executive of OGC, says:

It is OGCs role to help the public sector get better value ongoods and services across a wide range of categories. We believe

the time has come for all sectors of government to ensure that

their procurement spend is through the very best frameworks

so that they can take advantage of the governments collective

buying power. GPC Visa is one such example, and for those in

procurement roles it is not a case of whether they should be

using it but why they are not.

David Harrison

Vice-President, Visa Commercial

Visa Europe

For further information on GPC Visa, visit

www.purchasingcard.info or www.ogcbuyingsolutions.gov.uk

5GPC Visa

GPC Visa named by Office of

Government Commerce asone of the best commercial

procurement deals.

1998 1999 2000 2001 2002 2003 2004 2005 2006YEAR

ANNUALSPEND(MILLIONS)

3.2 19.7 61.2 122.3 208.4 304.5 404.8 527.3 676.1

700

600

500

400

300

200

100

50

0

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6 Making the most of GPC Visa

Cashing in on time savingsThe time savings generated by GPC programmes and other e-procurementprogrammes are often referred to as soft savings to distinguish them from theprice savings that are made from the use of contracts. It is often incorrectlyassumed that time savings can only become hard, cashable savings if anorganisation is prepared to reduce the number of staff working in an organisation.

Reducing the number of

staff in an organisation

can be difficult with

e-procurement initiatives

because technology such as

GPC Visa will reduce the time

taken to do frequent, repetitive,

administrative tasks by many

different staff across the

organisation. So whilst using

GPC Visa has made staff more

efficient, it is difficult to see

how this time can be translated

into cashable savings because

the time savings are spread

across so many staff members.

We are all well aware of the

28 financial savings attributed

to moving spend from traditional

paper invoices to GPC Visa but

how else does GPC Visa help?

Sometimes, the time savings

generated through the use of

GPC Visa may be significant

enough to merit a reduction

in staff in a large organisation.

This is because the use of GPC

Visa is making a significant time

saving over the previous process.

There is such a high volume of

work concentrated in one

department that it becomes

possible to deliver the same

service at a reduced cost to the

taxpayer. However, this is simply

not an option in many public

sector organisations, where the

time savings are not concentrated

in single departments.

In many organisations, the

amount of time savings

generated can add up to several

full-time posts but these savings

are spread across staff within

the organisation and cannot

reasonably be consolidated.

So how can these small,

diverse time savings be made

into cashable savings without

reducing the number of staff

who work in an organisation?

If an accounts payable

function has two permanent

administrative staff whose

workload is now reduced as a

result of the organisation using

GPC Visa, it may be possible for

these staff to be used in lieu of

temporary staff within the

organisation. If each of the

staff members time saved

from GPC Visa is equivalent

to 25 days of work over a year,

then GPC Visa is effectively

providing the organisation

with 25 days worth of free

temporary staff.

This free additional human

resource can be deployed

elsewhere within the organisation

to reduce the usage of other

departments temporary staff,

or can be used to perform

additional duties in their current

role, thus delivering a nil-cost

increase in productivity.

Organisations who want to

make savings in this manner

must be prepared to take three

steps in order to recover the

savings: firstly they must be

confident how much time staff

members will save through the

use of GPC; secondly, they must

be prepared to work with

department managers to help

them redeploy the time savings

instead of ordering temporary

staff; and thirdly they must

be prepared to monitor the

spend activity of departments

who are ordering temporary

administrative staff.

This may appear demanding,

but is likely that the small

example given would generate

a 5,000 saving. At a time

when many public sector

organisations are looking at

their use of temporary staff,

linking the time savings from

a GPC programme might be

an excellent way of delivering

cashable efficiencies against

a significant area of spend.

Ian Makgill, Ticon UK Ltd.

Ticon is a public sector

procurement consultancy,

which specialises in using

Visa and GPC in public sector

organisations. Ticon works with

public sector organisations to

implement GPC and to increasethe effectiveness of their

existing programmes. For more

information on Ticons skills

and services, please visit

www.ticon.uk.com

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7NWCE Case Study

Councils in the North West gain

cost-saving confidence from NWCEand Barclaycard Business link up

The North West Centre of Excellence (NWCE) is one of the

nine Regional Centres for Excellence (RCEs) that were set

up as lead change agencies by the Department for

Communities and Local Government (DCLG) to support local

authorities in delivering efficiencies and service improvements.

The NWCE, funded by DCLG, covers 47 local authorities in the

North West spanning from Cheshire to Cumbria. Following the rollout

of the Government Procurement Card (GPC Visa) on a national

level by the Office of Government Commerce, the organisation was

keen to implement something similar which covered the entire

North West region. The aim was to encourage greater efficiencies

and cost savings specifically with council purchasing and invoicing.

Neil Hind, eProcurement Manager for NWCE was tasked with

selecting a GPC Visa supplier,

We carried out a basic evaluation of a number of suppliers

and invited two of them, one of which was Barclaycard Business,

to present their offering to eight Local Authorities who were part of

the project team. Barclaycard Business won hands down because

it demonstrated it had the scale and infrastructure to fully support

the NWCE throughout the process.

As part of the package, Barclaycard Business assigned members

of their staff to work in the region and help each of the councils

implement the GPC Visa.

It was evident through Barclaycard Businesss work with othercouncils that it offered a dedicated approach to suit the needs

of each individual council regardless of its size and profitability.

Since we deal with councils both large and small, we wanted

peace of mind that all would be treated with equal importance

and Barclaycard Business certainly assured us of this.

Communicating the benefitsIn order to communicate the NWCEs plans for the rollout of the

GPC Visa amongst the regions, Barclaycard Business organised

a launch event that all council Chief Executives were invited to,

with around 60 delegates attending. Barclaycard Business had

calculated that by using the GPC Visa in place of paper based

purchase orders and invoices, NWCE councils could save an

average of 33 per purchase. A presentation was given at the

event by Barclaycard Business and VISA Europe explaining how

the card scheme could help each council make these cost

savings and also save their staff a considerable amount of time

spent on administration. Delegates were also provided with

briefing notes and advice on how to cascade the news of theprogramme down to each of the council members. Neil Hind

explained that the GPC Visa scheme was not obligatory,

We wanted to encourage the councils to implement the card

by communicating and demonstrating its benefits. What really

brought the card scheme to life however were the numerous

examples and case studies Barclaycard Business were able to

draw upon from their work with other councils. This really helped

our member councils to understand how it would work for them.

Accessing all areasThe response from NWCE councils to date has been very positive.

Many of them are already utilising the Barclaycard Business staffresources to help them write business cases on how they can

implement the GPC Visa. Most commonly, the card is used for

hotel, travel and day-to-day expenses but the NWCE are keen to

encourage councils to look at different areas where the cards could

help them buy more efficiently.

Already we have one council investigating GPC Visa use in

leisure centres as staff do not have easy access to finance systems

and purchases are often made in the evening and at weekends.

Neil also reports that other councils have suggested the cards

are introduced into school canteens enabling staff to purchase

bulk food with the card. Barclaycard Business staff working on theground with the councils has really given our members confidence.

Rather than feeling like they are starting from scratch, they are

able to tap into the experience and industry knowledge of the

Barclaycard Business staff and use it to their advantage, helping

them to gain momentum quicker and ensure their businesses

cases are viable and directed at the right audiences. Day-to-day

management of the GPC Visa scheme is managed totally by

Barclaycard Business, enabling the NWCE to focus on other

business areas and projects. Barclaycard Business feedback the

progress of the GPC Visa rollout formally on a monthly basis and

provide more regular updates on an ad hoc basis. Neil Hind

continues, There is considerable pressure on all councils to reduce

costs and increase efficiencies and, therefore, the sizeable savings

a Barclaycard Business GPC Visa can offer is very much welcomed

by us. To date, the experience has been hassle free and will

certainly allow our staff to direct their time and money into other

worthwhile areas.

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GPC recognition awards

First winners announcedat Procurement SolutionsProcurement Solutions in June was an exciting time for Barclaycard Business,not only were we the only bank to be supporting GPC Visa but we launchedour GPC recognition awards.

e invited the winners down to London to receive

their certificates and we were delighted to welcome

David Harrison from Visa and J im Parkinson from

OGCbuying.solutions to present our first Delivering a

Difference awards.

In recognition of the hard work and dedication organisations and

individuals play in delivering procurement efficiencies using their

GPC Visa programmes, these awards are a small way in which we

can thank our customers for their continued support and custom.

The awards are supported by both Visa Commercial and

OGCbuying.solutions, who recognise the true dedication that

goes into running a successful GPC Visa programme.

Richard Gould, South Yorkshire Fire and Rescue, says:

It is great that weve been recognised for the hard work

we put in to getting the best value for money for the public.

We are always working to improve our efficiency savings, and

knowing that we are doing well in this area is great news,

not just for the service but for the people of South Yorkshire.

W

8

June 2007 winners

Award 1 Innovative Spend

Charity Commission for Temporary Staff David Reynolds

Award 2Providing Best Value to Central Governmentand Devolved Assemblies

National Assembly for Wales Lisa Gibson

Award 3 Providing Best Value to the Health Sector

Medical Research Council C Belcher

Award 4 Providing Best Value to Local Government

London Borough of Tower Hamlets George Wallace

Award 5 Providing Best Value to Emergency Services

South Yorkshire Fire & Civil Defence P Alsop

September 2007 winners

Award 1Providing Best Value to Central Governmentand Devolved Assemblies

MoD Richard Pinder

Award 2 Providing Best Value to the Education Sector

Cornwall College Mr D Seymor

Award 3 Providing Best Value to the Health Sector

Bro Morgannwg NHS Trust Mr KG Davies

Award 4 Providing Best Value to Local Government

Northamptonshire County Council Mr Peter Cox

Award 5Providing Best Value to Emergency Services

Surrey Police Mr D Coulls

From left to right

Above: Steve Banwell (Barclaycard Business), Richard Gould (South Yorkshire Fire and Rescue),Jim Parkinson (OGCbuying.solutions) and David Harrison (Visa Europe)

Below: Steve Banwell (Barclaycard Business), David Reynolds (The Charity Commission)and David Harrison (Visa Europe)

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Can e-Procurement andGPC Visa work together?It is not uncommon for GPC Visa to be seen as a supplementary technologythat is used to support a large, centralised e-procurement solution.

PC Visa is even sometimes

viewed as the technology

that will mop up any

spend that cant be driven

through the e-procurement

solution. However, GPC Visa

can be very effectively used

as an integral part of any

e-procurement solution and in

many cases will provide added

functionality and benefits.

GPC Visa can be integrated

within these e-procurementsystems to make the process of

engaging with suppliers easier.

Because GPC Visa can act as a

common payment and invoicing

mechanism, it is possible to

bring any Visa-enabled supplier

with an email address into

an e-procurement system.

Additionally, suppliers who are

able to provide Level 3 invoice

data through their acquiring

systems are able to provide

the buyer with line item detail

on a transaction, which can

be matched with order data

generated in the e-procurement

system. Even when a supplier

provides only Level 1 data, this

information can be matched

with the order data generated

in the e-procurement system

to provide high-quality

procurement data.

By providing such detailed

spend data automatically,GPC Visa provides the usual

high levels of clarity provided

in e-procurement solutions,

without causing additional

manual intervention at the

payment stage.

Many organisations who

use GPC also use other

e-procurement technologies

to help them gain visibility

of their spend. Usually these

e-procurement systems feature

catalogue buying technologies,

and whilst these systems can

be highly rewarding, the task

of making them work properly

can be demanding for any

organisation. One of the most

time-consuming tasks is supplierengagement, which is also critical

to the success of implementing

a catalogue system.

Unless a buying organisation

provides a large proportion of a

suppliers business, individual

suppliers can be ambivalent

about joining an e-procurement

system. If the supplier is not

dependent on the buying

organisations business it can

be difficult to persuade them to

join an e-procurement initiative.

The result is that many

e-procurement implementations

are linked to too few suppliers,

hampering their effectiveness

and restricting the opportunity

for savings.

It is important to

understand that working

with GPC Visa doesnt

mean that you have to

hand out plastic cardsto staff members.

Suppliers can be given card

payment details which they

retain and use every time an

organisation sends them an

order, a practice known as

embedding or lodging a card

with a supplier.

Alternatively, card details can

be stored in an organisations

e-procurement system and

securely sent to suppliers when

an order is placed.

Procurement managers

can then set up their own

catalogue of goods or services

to be purchased from the

supplier on the system, orsimply send orders through the

organisations e-procurement

system. Using this method, the

supplier might never know that

theyve been adopted to an

e-procurement system, since all

theyve had to do is confirm that

they accept Visa and confirm

the correct email address for

receiving orders.

It is easy to see that working

with GPC Visa doesnt mean

that you have to hand out

plastic cards to staff. In reality,

organisations who are signing

up to the GPC Visa contract are

effectively signing up to the

Visa payment network.

When GPC Visa is viewed in

this light, it is clear that it should

not be viewed as an alternative

to an e-procurement system,

but as an enabling technology

that can be an integral part of

any e-procurement solution.

Ian Makgill,

Ticon UK Ltd.

Ticon is a public sector

procurement consultancy,

which specialises in using

Visa and GPC in public sector

organisations. Ticon works with

public sector organisations toimplement GPC and to increase

the effectiveness of their

existing programmes. For more

information on Ticons skills

and services, please visit

www.ticon.uk.com

G

e-Procurement and GPC Visa 9

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10 Greater efficiency and savings

As Government departments await the

changes that are hailed to follow the

publication of the Governments

Transforming Government Procurement report,

the GPC Visa has again been identified as a gem

in the crown of public sector procurement.In a letter to all Permanent Secretaries and

Chief Executives, the GPC Visa has been

highlighted by former OGC Chief Executive Peter

Fanning, as one of 12 commercial arrangements

that all Government departments should be

using to accelerate efficiency savings.

One component of the GPC Visas success is

that over recent years it has become accepted

by an increasing number of suppliers, from

large corporations to Small and Mediums

Enterprises (SMEs).

GPC Visa really comes into its own when it isused to make payments for goods and services

brought through existing pan-government

framework agreements. Adding to the significant

savings that can be secured by using

collaborative procurement arrangements,

the GPC Visa allows further efficiencies to be

reaped at the payment stage.

In line with its vision to help the public

sector make savings of 1billion by 2010-11,

OGCbuying.solutions, an Executive Agency

of the Office of Government Commerce, is

championing the use of the GPC Visa across

the whole public sector.

Establishing and managing a range of

procurement arrangements, OGCbuying.solutions

primary function is to bring together the public

sectors purchasing power in order to deliver

savings to its customers.

Customers benefit because buying through

pre-tendered, EU compliant arrangements

allows them to save time and associated

procurement costs. They can be confidentthat they will receive excellent value for money

because the prices they pay have been

negotiated using the colossal buying power

of the public sector.

OGCbuying.solutions offering is split

into two distinct areas; Catalist framework

agreements and Managed Services. These

encompass a series of product sub-categories

as detailed below:

Catalist framework agreements:

Information Technology

Consultancy Services

Resourcing Services

Business Solutions

Property Solutions

Payment Cards

Managed Services:

Managed Telecommunications Service (Mts)

Government Secure Intranet (GSi)

eProcurement Solutions Travel Services

Energy

Establishing andmanaging a rangeof procurement

arrangements,OGCbuying.solutionsprimary functionis to bring togetherthe public sectorspurchasing powerin order to deliversavings to its

customers.

Perfect PartnershipsHow the GPC Visa can be used with pan-government procurementarrangements to drive greater efficiency and savings.

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11Greater efficiency and savings

The great news for GPC users is that whenever

appropriate, customers can opt to pay for

goods and services brought through these

arrangements using their GPC Visa card.

OGCbuying.solutions eCatalogue facilitates

this by allowing customers to buy whatever

it is they need, when they need it, making

instant payment with GPC Visa. This route

is a clear winner in terms of improving

procurement efficiency.

Whats more, the GPC Visa is also available

in the form of a lodge card, which allows

customers to provide a supplier with a

card number, against which all orders, from

any number of employees, can be charged.

For frequent requirements such as stationery

orders, this can significantly reduce paperworkbut does not compromise control over spend

because, as with all GPC Visa schemes, detailed

management information is provided.

As an ideal payment means for online

procurement systems, the GPC Visa is

compatible with OGCbuying.solutions

eProcurement toolkit a suite of services that

enable the whole procurement process to be

conducted online.

Made up of eAuctions, eSourcing and Zanzibar

(a public sector eMarketplace), the GPC Visa

allows customers to heighten the savingspotential of these innovative systems that

are being adopted across the public sector.

The eSourcing component of the toolkit was

recently awarded an EU Good Practice label,

based on a recommendation from the European

eGovernment Awards consortium. The same tool

won the Shared Services Category Award at the

Government Computer Innovation Awards

earlier in the year.

Key advantages of these systems include

reduced spend, costs and associated process

time, adherence to best practice, a stronger

negotiating position and improved supplierrelationships. The GPC Visa complements

this package of benefits by bringing greater

transparency and efficiency to the payment

process for both customers and suppliers.

Travel is the third largest area of spend for

the public sector. It is also one of the most

susceptible to maverick spend. GPC Visa can

help to manage travel buyers, cut down

inappropriate spend and provide vital

management information that can be analysed

and used to develop robust travel policies.

Furthermore, organisations can use GPC Visa

in conjunction with OGCbuying.solutions Travel

Services framework agreements, enabling them

to make a much greater contribution to reducing

the public sectors annual travel spend which

currently mounts to some 2.5 billion a year.

The arrangements provide public sector

business travellers with access to a comprehensive

range of services including rail, air and ferry travel,hotel accommodation, conference facilities

booking services and vehicle hire.

As efficiency targets raise greater challenges

for public sector procurers, organisations need

to look for more creative ways to maximise

savings. Coupling GPC Visa payments with

other best practice procurement techniques

is an easy to implement, quick-win solution.

The arrangementsprovide public

sector businesstravellers withaccess to acomprehensiverange of servicesincluding rail,air and ferrytravel, hotelaccommodation,conferencefacilities bookingservices andvehicle hire.

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However, in the Government Procurement Card, procurement

departments are making large strides to contributing

towards a 2008 efficiency target of over 20 billion.

Using GPC Visa resulted in a monetary saving of 108 million in

2006, however, could much more be saved if public sector

managers proactively eliminated the inefficient non-strategic

purchases that are happening every day within their organisations?

By raising awareness in the public sector about the many tools

and services available from GPC-approved suppliers, organisations

could potentially shift invoiced spend onto GPC Visa and get

additional savings as well.

Argos Business Solutions, the business-to-business division

of the unique catalogue retailer, is an approved supplier with an

already pre-tendered framework contact with OGCbuying.solutions.

They have put significant resources towards assisting the public

sector and provide a unique procurement experience to help make

the leap to further efficiencies.

Argos has a dedicated team of public sector personnel visiting

organisations up and down the country helping them realise

where they can become more efficient with bespoke advice

tailored to maximise savings for individual organisations.

Orders using the GPC can be placed centrally

or at any Argos store and further benefit from

a 5% discount off the latest Argos price.

On the road to efficiency...

Meeting a cost reduction target of 21.5 billion in any industry is tough, nonemore so than in the public sector, where one of the major challenges in efficiencyis procurement. Procurement departments regularly struggle to achieve speed

and efficiency, with workers having to fully document and audit procurementprocesses that can often be lengthy, labour intensive, and time-consuming.

12 Argos Business Solutions

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13a leading figure in efficiencies in the public sector

One of the main areas where inefficiencies lie is the purchasing

of essential non-strategic items on an everyday basis. This can be

a time-consuming process, with the effort required to process

purchase orders and physical purchases soon adding up.

For example, the processing and transactional costs for buyinga 25 kettle can be as much as 94.50, once the raising of a

purchase order, collection of item and settling of an invoice is taken

into account, adding over 69.50 in unseen administration costs.

Yet few public sector organisations seem to take advantage of the

consolidation of low value ad hoc purchases that the Government

Procurement Card offers.

The retail framework agreement that Argos Business Solutions

holds with OGCbuying.solutions is helping public sector

organisations control, centralise and consolidate spend more

efficiently. The agreement means that public sector organisations

can order any Argos product without the need for tendering and

can also combine spend across departments.

With over 17,000 products available to the public sector and over

700 stores nationwide, Argos is an easy source for both regular

orders and unplanned purchases from the latest vacuum cleaners,

furniture, home starter kits, games consoles, DVD players,

camcorders, bunk beds, TVs, microwaves, washing machines

and everything in between.

Public sector professionals also benefit from the multi-channel

approach to retail from Argos, maintaining the convenient

shopping process government personnel come to expect asconsumers, including a well-maintained delivery system that

delivers most products in five working days across the country.

A range of public sector organisations are already taking

advantage of the tools and services offered by Argos in this area,

with the company helping the Ministry of Defence (MoD), Prison

Service, NHS, police forces, schools and other educational institutions

realise how best to make their procurement more efficient.

With a progress update on the Gershon report due for Parliament

discussion in the near future, the need to maximise efficiencies

has never been greater. GPC Visa, along with the tools and services

offered by some of its approved suppliers, gives every public sector

organisation the opportunity to streamline their buying processes

to control and increase their budgetary spend through the retail

environment today.

Argos Business Solutions offersthe public sector:

Choice, value and convenienceto the purchaser

Cheaper procurement costs

Control for budget holders

Convenience for budget spends

If you would like to find out moreabout Argos Business Solutions,

please call 0870 240 2007 or email:

Central government enquiries

terry.ray@argos.co.uk

Local government enquiries

chris.pentland@argos.co.uk

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14 Doing business

How do you use yours...?With just under a month to go until the end of the year, have you andyour organisation done all you can to help meet the governmentsefficiency targets for 2007?

With just under a month to go until the end of the year,

have you and your organisation done all you can to help

meet the governments efficiency targets for 2007?

One way you can stay as efficient as possible is to constantly

review the way you use GPC Visa. Do you, for instance, have anup-to-date picture of which of your suppliers take GPC Visa cards?

Do all of your card-holding staff know how to use them? And are

you introducing new ways of using GPC Visa wherever possible?

Its also important to consider using OGCbuying.solutions range

of suppliers, as they have all gone through a rigorous, EU-compliant

procurement process. Alternatively, you may have your own list

of regular suppliers whom you trust and wish to continue using.

Either way, GPC Visa is the most efficient way to pay.

GPC Visa can now be used for almost every type of purchase in

any government department. From paying for train tickets online

to buying computer systems, GPC Visa is fast, flexible and efficient.

How do you use yours?

GPC Visa can now be used for almostevery type of purchase in anygovernment department. From paying

for train tickets online to buyingcomputer systems, GPC Visa is fast,flexible and efficient.

B&Q are a leading supplier of RMI products with over 325 outletsnationwide. They offer a complete range of maintenance andproperty improvement products, all at everyday low prices.B&Q are leading the way in electronic VAT invoicing data throughthe VGIS (Visa Global Invoice Specification) solution at their pointof sale. From November you will receive level 3 VAT information.

Contact information

Email: mike.cartwright@b-and-q.co.ukTelephone: 07886 021241

Argos Business Solutions is the business-to-business division ofArgos, the UKs leading General Merchandise Catalogue retailer.They provide solutions that enable effective budgetary controland convenience when purchasing low value non-strategic items,delivered with effective customer service. Orders using GPC Visacan be placed centrally or at any Argos store and further benefitfrom a 5% discount on the latest Argos prices.

Contact information

Website: www.argosb2b.co.uk/ogcEmail: corporate.link@argos.co.ukTelephone: 0870 240 2007

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15Getting suppliers on board

In readiness for 2008, why not look to review your existing

suppliers to identify spend that can be migrated from traditional

invoices and help deliver additional benefits for your organisation.

Visa Supplier Matching ServiceVisa offers the above service which allows our customers tosubmit their own list of suppliers to be analysed. Visa will identify

which suppliers accept payment using Visa and highlight those

that dont. We can then work with you to recruit your suppliers of

choice so you can both share the benefits of making and taking

GPC Visa payments.

Barclaycard Business realise that some of you may already

have your own purchasing policies and we are not

encouraging you to step outside of these. We would like to

take this opportunity to purely raise awareness of some of

the suppliers available under framework contracts.

For a full list please visit www.ogcbuyingsolutions.gov.uk

Comet Business Services is one of the largest electrical retailersin the UK. They are the ongoing primary supplier of electricalproducts to many organisations within the public sector. Localgovernments, education authorities and housing associations arealready benefiting from working with Comet Business Services byusing the Comet Business Services Public Sector discount cardwhich gives you up to 10% discount on the retail price whenbuying on behalf of your government organisation.

Contact information

Email: ogcregistration@comet.co.ukTelephone: 0870 129 6091

From Desktop to Data Centre

All over the world, enterprises are choosing Dell as their total ITsolutions provider. Combining a comprehensive portfolio ofcompetitive products that integrate the latest in scalable andstandards-based technology, strong partnerships with industry-leading players and excellent service and support packages, Dellexperts are able to tailor a complete-end-to-end business solutionto specifically meet your business needs.

Contact information

Website: www.dell.co.uk/public

Barclaycard Business does not and is not endorsing these third-party brands.

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Visa Global Invoice Specification

B&Q Brings Business CustomersElectronic VAT InvoicesB&Qs implementation of the Visa Global Invoice Specification (VGIS) an electronic VAT invoicing solution accredited by HMRC with automatedpayment provided through Visa Purchasing.

16

The electronic VAT invoicing data, available exclusively

through Visa is aimed at Visa Purchasing card holders across

public and private sector organisations as a way to reduce

transaction costs. Electronic invoicing with Visa Purchasing

means that payment is at the touch of a button, eliminating

time consuming and costly paper work. By reducing transaction

costs, it is anticipated that sales volumes will be increased

throughout B&Q outlets.

The benefitsBy developing VGIS, B&Q is now able to offer VAT-accredited

invoicing for Visa Purchasing card users a facility which isgreatly valued by customers to the stores.

Comments Mike Cartwright:

We have sensed a real demand from business customers

for a way to streamline their back office costs, which is why we

embarked on this project.

At B&Q we have always worked hard to make our customers

lives as easy as possible by offering longer opening hours to

access up to 40,000 products under one roof. Now, by giving

them electronic VAT invoicing data automatically, we are saving

them even more time and eliminating the need for manual

processing of invoices. As a result they are even more likely

to choose B&Q as their preferred supplier, thereby helping to

stimulate customer loyalty.

The secret of successB&Q and Barclaycard Business have worked in partnership to

provide all B&Q stores throughout the UK with the ability to

flow VGIS data. The partnership approach fostered by both

organisations has been central to the successful implementation

of this integrated development.

Barclaycard Business is committed to supporting merchants

with VGIS development and has helped generate an

understanding throughout B&Q of the benefits of this VAT-accredited functionality. Once the business decision was

taken by B&Q to move forward, Barclaycard Business provided

an Implementation Manager to the B&Q account to ensure that

this process was managed smoothly and any challenges

Background on B&QB&Q offers up to 40,000 top brand products catering for every

product area from replacement light bulbs for the office to

supplying materials for a housing regeneration team or hospital

maintenance department and all under one roof.

With 325 stores nationwide open early til late, seven days a

week, B&Q boasts a wide range of services for professional

builders and maintenance teams, including dedicated trade

staff, free quotations and a call and collect service.

B&Q is an approved supplier within HM Treasurys Retail Trade

Framework, having gone through a rigorous tendering process

with OGC Buying Solutions an Executive Agency of The Officeof Government Commerce. This means that they meet all of the

necessary statutory requirements set by OGC Buying Solutions

when a Government Procurement Card (GPC Visa) or Visa

Purchasing card is used at B&Q.

B&Q is leading the way in electronic VAT invoicing data by

implementing a VGIS solution at their point of sale.

Why offer enhanced VAT invoicing data?Corporate customers across the public and private sectors are

increasingly looking for greater financial control, in particular,

for VAT and internal auditing purposes. Electronic VAT invoicing

data is the key.

Says Mike Cartwright, Business to Business Manager at B&Q:

We decided to become a VGIS Purchasing card merchant

when we recently invested in a new EPOS (electronic point of

sale) system as part of our chip and PIN acceptance strategy.

This meant we could make electronic VAT invoicing data

available to Visa Purchasing users which conforms to the VGIS

standard format. This allows for very comprehensive information

to be included within the invoice.

As a result, instead of receiving a paper invoice, customers

can now benefit from HM Revenue & Customs approved VAT

evidence information on all B&Q purchases on their Visa

Purchasing Evidence for VAT Deductions report. In addition,by using their Visa Purchasing card at B&Q, customers no longer

need to use petty cash, make expense claims or issue a paper

purchase order.

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17Visa Global Invoice Specification

The futureB&Qs VAT-accredited electronic invoicing solution is available

to Purchasing card users when they purchase goods inside

B&Q stores. However, plans are already in an early stage of

development for phase two, which will extend the facility to the

e-purchasing environment purchases made over the Internet

and telephone orders.

encountered were resolved without any undue disruption.

Throughout all stages of this project, communication between

Barclaycard Business and B&Q has been crucial and has meant

that B&Qs project objectives were always central to both

organisations thinking.

Barclaycard Business has a team of experienced professionals

to help with all stages of VGIS development. This resource was

fully taken advantage of by B&Q and ensured that the project

was delivered successfully. Says Mike Cartwright, Business to

Business Manager at B&Q:

The expertise of the individuals on the Barclaycard Business

team has proved invaluable in helping us to bring this initiative

to fruition.

Barclaycard Business will be exhibiting at the Business Travel Show,57 February 2008 at Earls Court, London. With 22% of GPC Visa spendnow on travel, why not come along and see us on stand 437 to discusshow GPC Visa could help your travel programmes.

It's free to attend simply register in advance online atwww.businesstravelshow.com

Business Travel Show

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18 New framework agreement announced

The recently launched Government Merchant

Acquiring framework agreement is set to

result in a boom in the use of credit, debit

and charge cards for payments between public

sector organisations, and also between citizens

and businesses and the public sector.

Crucially, the predicted growth in the use of

cards will also enable the public sector to use itsaggregated procurement muscle to negotiate

more favourable service charges levied by the

banks down to levels enjoyed by retail giants like

Tesco and Wal-Mart.

The result is a win, win, win situation for the

public sector, citizens and all those trading with the

public sector.The public sector will make significant

cash and efficiency savings by using a faster, more

secure electronic system when making and

receiving payments. Citizens will have far more

choice and convenience in the way they make

payments for services, while suppliers can look

forward to cash-flow and efficiency benefits of their

own by receiving secure, automated payment for

goods and services, normally within just four days.

The architect of the new Government

Merchant Acquiring framework agreement is

OGCbuying.solutions Head of Payment Cards,

Jim Parkinson.

Flexible benefitsThe potential is enormous. Historically the

collection of payments for a wide variety of

goods and services within the public sector has

been limited to cash, cheque or Direct Debit, withlittle scope for payments by alternative cheaper

and more convenient means, says Jim.

These new arrangements will change that for

the good of all concerned. As a country we spent

240 billion using cards in 2004 and more than

42 million people are now carrying cards so it has

been a major anomaly that, in many cases, the

option of using a card to pay for public services

has not been available.

Very soon we will see everything from council

tax, parking tickets, court fines, student fees,

school meals, rent, leisure centre fees, charitydonations and more being paid for with cards.

The public sector is all about helping more and

more ordinary people to access public services

in the most convenient way possible and I

anticipate these new arrangements will do

just that.

We have talked in detail to a wide cross

section of the public sector to ensure that we

shaped these arrangements in a way that

maximises the benefits across the board, for

large central government departments and

smaller local organisations alike.

The benefits of electronic payment systems

and electronic trading are generally quite well

understood in the public sector, in terms of much

reduced back office administration, far fewer

opportunities for theft and the manual errors that

require costly, time consuming corrective action

and 24/7 accessibility.

Much of the work on existing systems is

boring and repetitive and switching to an

electronic system enables staff to be used in far

more stimulating and productive areas, such as

customer services.

The new service will utilise well proven,secure technology with minimal set-up costs.

Automated reconciliation promotes transparency

and delivers environmental benefits by

contributing to the paperless office concept.

Much of thework on existingsystems is boringand repetitive andswitching to anelectronic systemenables staff to beused in far morestimulating andproductive areas,such as customerservice roles

Fantastic plastic:real savings fromcard acceptance

The buying power of the public sector is about to deliver a new routeto hard cash savings running into tens of millions of pounds each year.

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19New framework agreement announced

Card Acceptance the key featuresMerchant Acquiring is also known as CardAcceptance. Organisations using the newOGCbuying.solutions framework agreement willbe able to accept payment from all major credit,debit and charge cards across the counter, orremotely by telephone or via the Internet.

The framework will be let in accordance withstrict EU procurement rules offering services froma variety of UK banks. Users will then conduct afurther competition to select a bank whoseservices most closely meet their requirements.Set-up and transaction charges will be highlycompetitive and payment transactions willbe authorised instantly.

How the transaction takes place Step 1 The Merchant (the public sector

organisation) accepts payment by card andswipes this through either a terminal rentedthrough their Acquirer (the bank) or, in thecases of large organisations, their own terminalsoftware. The terminal will either dial out for anauthorisation that the card is not reported lostor stolen, or work within floor limits agreed withthe Acquirer.

Step 2 The card transaction will be passed to theAcquirer for processing. The Acquirer will remitthe sale proceeds to the Merchants bankaccount, normally within 4 working days.

Step 3 The Acquirer will request payment fromthe Card Issuer, normally receiving settlement

within a few days.

Step 4 The Card Issuer will charge theCardholder, either by paper statement or to anominated bank account.

Step 5 The Acquirer will send the Merchant amonthly statement detailing each days bankingalong with the costs incurred. These arenormally paid by Direct Debit.

The new servicewill utilise wellproven, securetechnologywith minimalset-up costs.Automatedreconciliationpromotestransparencyand deliversenvironmentalbenefits by

contributingto the paperlessoffice concept

For more information please call OGCbuying.solutions

customer service desk on 0845 410 2222or email custcare@ogcbs.gsi.gov.uk

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20 Maximise the benefits

On 1st November we at Barclaycard Business received

the confirmation we had been waiting for; we had been

successful in securing supplier status as part of the

OGCbuying.solutions framework agreement for Government

Merchant Acquiring Services.

As the UKs leading issuer of GPC Visa, we have been working

successfully with the public sector for many years. And, because

of this excellent grounding, we have been able to closely align the

acquiring deal based on these core values and maximise the

expertise and brand integrity of the Barclays Group.

Our pedigree in acquiring spans some 40 years. We look after

the processing and payment of over a third of Britain's retailers, our

processing platform is one of the most advanced in the world and,

in 2005, more than 1.8 billion purchases were made with creditand debit cards through 192,000 Barclaycard Business customer

outlets in the UK. So you can be assured you will be dealing with

a trusted and experienced partner.

Taking card payments enables you to offer your customers

choice, convenience and flexibility when doing business with you.

It can help improve your cash flow, as payment is made direct into

your bank account in 34 days* and it could also help reduce late

or unpaid bills. With our range of card payment solutions,

customers can pay you in person, over the telephone or even via

your website. New technology, such as contactless payments,

enables customers to pay for low value transactions with cards

instead of cash. Car parking meters and vending machines inpublic places are two examples of where this new technology

could make a difference for both you and your customers.

Under the new framework agreement, Barclaycard Business will

offer a range of preferential rates on these products and services

which you will be able to flex depending on the individual needs

of your organisation. You may wish to avoid the sometimes

complicated detail of acquiring, so we have a single rate offering to

cover all card transactions regardless of whether they are credit or

debit. Alternatively, if you are one of our larger customers you may

require a bespoke pricing arrangement and will receive a dedicated

relationship manager.

Essentially, the agreed framework is a flexible one where we are

able to structure deals according to your organisations requirements,

with the aim of making the process of accepting payment for goods

and services easier and more cost efficient for you.You already trust Barclaycard Business to provide your GPC Visa,

so why not let us look after your acquiring needs? For more information

on how we can support your organisation please contact us on

0800 616161 quoting OGC framework agreement.

Improves cash flow

Reduces cash handling

Instant authorisation

Convenience for customers

Pre-negotiated contract

Preferential rates

Trusted financial partner

*This timescale may vary; this wil l be clarified w ithin the terms of your Merchant Agreement.

Barclaycard Business successful in being

accredited OGCbuying.solutions supplierstatus for Acquiring Services

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21Open your website to ePDQ

As well as bringing efficiencies to your purchasing activities

when you pay by card, accepting payments by card can

help streamline many of your payment acceptance and

collection processes.

As an increasing number of people turn to the Internet as a

more convenient way to pay, Barclaycard Business is pleased to

introduce ePDQ your secure way to accept card payments online.

ePDQ comes in several different guises, each designed to satisfy

different online business needs. The most popular version is our

ePDQ Cardholder Payment Interface (or CPI). CPI is a world-

class, secure online service for card payment authorisation and

settlement that lets you trade online quickly, easily and safely. It's

flexible, reliable and straightforward to integrate with your website.

When a customer chooses to make a payment from your

website and proceeds to check out, they are directed to the ePDQ

secure payment environment. Here they can pay quickly and easily

by debit or credit card. ePDQ automates and completes the

transaction and your staff can then fulfil the customer's order or

issue a payment confirmation advice.

ePDQ processes your payment transactions with the bank,

handles settlement, and provides you with online management

information and regular statements for all your online transactions.

Accepting Card PaymentsOnline with ePDQ

The benefits

Easier for customers allows your customers tomake payments online with their credit and debit

card so you can collect payment more quickly

Gives your customers choice ePDQ accepts allmajor credit, debit and charge card types

Security secure payment pages are hosted byBarclaycard Business and co-branded to give yourcustomer extra reassurance that their card details

will be safe. This also saves you the responsibility

and liability for security issues

Works for telephone and mail order paymentstoo ePDQ includes, as standard, the facility for

you to process your mail and telephone

payments together with your Internet payments,

which means your admin and accounting

procedures are simplified

You choose the level of security ePDQsenhanced fraud control means you can set

additional rules to help protect your organisation

from fraudulent card transactions

Free upgrades we are committed to keepingePDQ at the cutting edge of technology, and

making sure it is always compliant with the rules

of card payment schemes

You could be accepting card payments onlinewithin a few days ePDQ is straightforward to

integrate with your website and support is

available from our dedicated helpline and

technical team whenever you need it

Ready to start accepting online payments?Is your organisation thinking about accepting online payments? Would you like more information about ePDQ?

Call us on 0800 616161 quoting GPC News or email us at gpcnews@barclaycard.co.uk

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Online Services

Now theres no need to wait for your paper statement to arrive each month.With Online Services you can have your account information at your fingertipswhenever you want it.

Fast, secure and easy to useAs a card administrator, Online Services can make managing

your cards easier.

Easy access see your credit limits, statements and

transactions whenever you want

Secure ID and verification for log in keeping personal and

transactional details safe

Key financial information if you have fewer than 10

cardholders, the most commonly requested information will

be displayed on your welcome page

Easier to manage your cardholders our selection of reports

helps you manage cardholder activity

Search options making it quick and easy to find the

transaction youre looking for

Access to previous statements and transactions building

to a rolling 13 months of information so if you cant find your

paper statement, you can view it online, removing the need for

additional paper copies

Ability to reset passwords no hassle of contacting us if a

cardholder forgets their password

Your cardholders can benefit tooOnce youve registered for Online Services, you can registeryour cardholders too. This will enable them to view their owntransactions and statements online.

If youre the only cardholder in your organisation, youll be setup as the card administrator so you can make the most ofOnline Services.

Join today

To apply for this free service, simply visit

www.barclaycardbusiness.co.uk/getonline

and complete the online form. Well then email

you a membership number so you can set up

your own password, passcode and memorable

word for security. Its as simple as that.

You can also view a demonstration of OnlineServices at www.barclaycardbusiness.co.uk/

existing_customers/paying_by_cards/online

_services/demo.html

Housekeeping22

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23

More opportunities to deliver savingsDo you have anyone new in your organisation,

someone who has recently changed roles or

been promoted and they have not yet applied for

their own GPC Visa card?

Additional cardholders foradditional benefits

Additional cardholders could extend the benefits

your organisation already enjoys through its

Government Procurement Card account:

Simplified procurement cards can be used

for a wide range of purchases, from office

supplies to temporary staff costs

Increased efficiency thanks to reduced

administration and bureaucracy

Control over expenditure by only allowing

cardholders to spend in specific purchasing

categories

Less paperwork which means less impact

on the environment as well as less admin

With no card or interest charges to pay, adding

cardholders wont cost your organisation at all

and its easy to do.

Visit www.barclaycardbusiness.co.uk/gpcnews

and you will find a link to an additional

cardholder application form or, alternatively,

please contact us in the normal way.

Cards no longer in useOn the other hand, you may have cards that are

no longer required. If you have, just let us know

and we can update your account. Again, contact

us in the normal way.

Housekeeping

FRAUD ALERT

If you receive anemail such as this

one, on no account

must you click

on the link and

fill in the details.

This is known as a

Phishing attack and

is a known method

to gain your card

details. This alert hasbeen highlighted by

OGCbuying.solutions

and if you receive

any such emails

please contact us

immediately so

we can notify

them and Visa.

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Further Information

84216NLTB1

Cr

eated

10/07

24

Please see the following websites for further details:

GPC News www.barclaycardbusiness.co.uk/gpcnews

OGC www.ogcbuyingsolutions.gov.uk

Visa www.visaeurope.com

Calls may be monitored or recorded to maintain high levels of security and quality of service. For BT business customers, calls to0844 numbers will cost no more than 5p per minute, minimum call charge 5.9p (current at October 2007). Calls to 0870 and 0845numbers cost 8p per minute, minimum call charge 5.9p (current at October 2007). Calls to 0800 numbers are free if made from aUK landline. Calls to 07786 numbers are to a mobile phone.The price on non-BT phone lines may be different.

This information is available in large print, Braille and audio format by calling 0844 822 2160.

This newsletter has been printed on recycled paper. Please consider the environment and note that further versions of this newslettercan be viewed in PDF format on our website: www.barclaycardbusiness.co.uk/gpcnews

If you require further information on any of the items discussed in this newsletter,please could you email your enquiry in the first instance to gpcnews@barclaycard.co.uk

This will enable us to direct your enquiry to the most relevant team.OR

If you have a Relationship Manager, please contact them in the normal way.