purchasing card newslink - issue 49

Purchasing & Card Payments and e-Payments Solutions

Conference 2010

Getting to“The Point” of Card Payments

PURCHASINGCARDwww.purchasingcardnews.co.uk

The Information Exchange for Card Payments Programmes, Transactions Processing & e-Payments Solutions

Sponsored & supported by:

2010



Incorporating:

Edition 3 2010 Issue No 49

W www.cardpaymentsolutions.co.ukwww.purchasingcardnews.co.ukcardpaymentsolutions E [email protected]

[email protected] +44 (0)161 928 0485

No article may be reproduced in part or in whole without permission of the publisher Purchasing CardNews is published and printed by Caxton House Marketing Ltd. © Copyright: Caxton House MarketingLtd 2010. All rights reserved.

The publishers are not liable for the statements made and opinions expressed in this publication.

ContentsPurchasing & Card Payments and e-Payments Solutions Conference 2010 3Welcome to the Conference

Purchasing & Card Payments and e-Payments Solutions Conference 2010 4-6Conference Agenda Timetable

American Express Payment Solutions, Driving Savings in the Public Sector 7

Purchasing Cards have succeeded and failedA mo dern day enigma 8

Adflex Bridging the Gap’ between Banks, Suppliers and Buyers 9

Pivot Imagination 10

ITS Powering World-Class Performance 11

First Data Commercial Card Software Solutions 12

BizAps Delivering Innovative ERP Solutions 13

American Express brings world class expertise to the UK Public Sector 14

Jargon Busters The Payments Industry own unique language 15

Search-online-now Making connections between Suppliers & Buyers 16

Editorial:E-mail all your news, views, features & events for publication to: [email protected]

Advertising:For advertising, feature sales and sponsorship, call: +44 (0)161 928 0485 or email: [email protected]

Subscriptions:For annual subscription to Purchasing Card News 2010 issues please view www.purchasingcardnews.co.ukhome page “Subscriptions”

Issue No. 50Publication Dates:Mailing Distribution from: 25th March 2011Online version from: 18th March 2011Copy Deadlines:Advertising Booking Deadline: 18th February 2011Editorial & feature copy received by: 4th March 2011Receipt of Advertising Copy: 4th March 2011

Full contact details:

www.purchasingcardnews.co.ukPurchasing Card News - Purchasing Card NewsLink – Purchasing Card & e.Payments Solutions Conferences “The Information Exchange 2011” Purchasing Card News TV are registered trading titles of:- Caxton House Marketing Limited.

www.cardpaymentsolutions.co.ukCard Payment Solutions - Purchasing Card News User Group & Card Payment SolutionsTV are registered trading titles of:- Card Payment Solutions Limited

www.search-online-now.co.ukSearch-Online-Now is a registered trading title of:- Public Sector Suppliers Bureau Limited.

Caxton House Marketing Limited

Registered Address:Castle Hill Farm, Castle Mill Lane,Ashley, Altrincham, CheshireWA15 0RB

e-mail to:[email protected]: +44 (0) 161 928 0485Tel: +44 (0) 161 928 3502Fax: +44 (0) 161 928 1713Company Registration No: 5078936

“The Point” Lancashire County Cricket Club Brian Statham Way Old Trafford Manchester M16 0PXThursday 11th November 2010 from 10:30 -16:45 registration from 09:30

The Ninth-Annual “Information Exchange Conference” –Getting to the Point of Card Payments held at the excitingnew purpose-built “The Point”; conference venue atLancashire County Cricket Club in Manchester onThursday 11th November 2010. From 10:30 – 16:45Registration from 09:30Lunch, Refreshments and Drinks Reception are all included with complimentary on-site Car Parking provided for attending delegates.

The Purchasing Card Payments and e-Payments Solutions Conference2010 concentrates on all aspects of Electronic & Commercial CardPayment Solutions and Services by presenting a series of leading edgepresentations, case studies, exhibitors and workshops.

The Ninth-Annual “Information Exchange” Conference 2010 will stagenew and exciting individual presentations throughout the day.

Our presentations will highlight the extensive range of solutions andservices which provides you with the background knowledge of innovative payment solutions and services available by assisting yourorganisation to expand and develop existing programmes that delivergreater efficiencies with cost savings.

The extensive conference agenda of presentations, exhibitions, break-outsessions and workshops will illustrates just how the wide range of topics presented can affect how you start your programme, furtherdevelop and expand your current programmes.

The Purchasing Card Payments and e-Payments Solutions Conference2010 gives you the ideal opportunity to appreciate new payment solutioninitiatives and choices that are currently available, that’s why ThePurchasing Card Payments and e-Payments Solutions Conference 2010at The Point is an important event.

Our focus presentations and case studies include:

Purchasing Card and Commercial Card Payment Solutions

Corporate Card, Travel and Entertainment cards

Fuel Card programmes

Pre-Paid Cards - Rechargeable and Pre Loaded Cards

Web based Card Management Transaction Solutions

Lodge Cards for Enhanced Travel MI

Integration of P-Cards with e-Procurement systems

eProcurment Purchase to Pay technology

e-Invoicing Solutions

Electronic Data Interchange EDI

SAP and Oracle Integration Software Solutions

Acquiring and Bureau Services

Expense Management

Software Solution Providers Products and Services

Electronic Payment Acceptance and Merchant Sign Up

Programmed Implementation, Service and

Compliance issues

page 3

Welcome to the Conference

Purchasing & Card Payments and e-Payments Solutions Conference 2010

Refreshment Break

Thursday 11th November 2010 from 10:30 - 16:45 registration from 09:30CONFERENCE AGENDA TIMETABLE

M O R N I N G S E S S I O N

Ashes & Boundary Suites Registration & Refreshments

Ashes & Boundary Suites

Ashes & Boundary Suites Welcoming Address

Adflex Payment Transaction Management Presentation & Workshop

Pat Bermingham and his experienced Purchasing Card industry team will demonstrate in their presentation and workshop why Adflex is the expert in thePurchasing Card industry and how it’s plain- speaking, knowledgeable team will

understand all the issues and concerns a potential supplier may have. It has alwaysbeen a challenge to recruit suppliers, yet it is essential if you are to have a successfulPurchasing Card program. There are several reasons why supplier recruitment oftenfails: Lack of resource - Lack of incentive - Lack of information - Lack of knowledge.

Adflex have designed a range of tools that simplify the process for the supplier tomake decisions and will support them and work with them to become Purchasing

Card capable. There are also web-based tools available to give a full real-timeoverview to the cardholder organisation, as used by Citi Bank and Proctor & Gamble.Adflex experts will manage the relationship between the bank, the supplier and the

customer – giving a really ‘joined up’ approach so that all parties are involved. Thereare Purchasing Card products to meet the needs of the low usage supplier or the

high volume suppliers. The way Adflex has developed its solutions requires little or notechnical expertise, allowing quicker, easier and cheaper ways to become capable

without the need for investment in time and resources. With Adflex’s PCI DSS accreditation, and its solutions that use ‘tokens’ or ‘lodge cards’ suppliers do nothave to worry about keeping their customers card numbers safe, Adflex do it for

them saving them the costs, time and effort required to comply with PCI DSS rules.Let Adflex help with your supplier recruitment - we know our business you know yours

- together we can do the business.

Presented by Pat Bermingham and the Adflex team

Manchester City CouncilManchester City Councils presentation gives an overview of how they have

integrated their existing multi million pound turnover Purchasing Card Programmeinto SAP and how they are implementing a move to operating their programme

through the use of lodge cards.

Whilst under the Government’s collaborative working aspirations how Manchester City Council are growing their programme by facilitating other public sector bodies to join their programme and implementing joint working initiativeswhich seek to achieve efficiency in procurement and cost savings for partners.

Presented by Paul Muir SAP Change Team Leader - P2P Sap Business Support

09.30 - 10.15

10.15 - 10.30

10.30 - 10.55

11.00 - 11.25

11.25 - 11.45

11.45 - 12.10

12.15 - 12.45

from

Includes question & answer session




The conference agenda may be subject to change without prior notice and is correct as at October 2010

Century & Maiden Suites

BAE Systems Plc - Case Study Mrs Sandeep Blackhurst will be talking about the cutting edge work that BAESystems have achieved whilst working closely with their payments company.

Sandeep will describe how they have faced the time consuming challenge of havingvarious sources and suppliers. She will discuss how using spend analytics and

an integrated solution has helped them achieve Control and Compliance in order to achieve savings and efficiencies.

Presented by Mrs Sandeep Blackhurst, Procurement Manager

BizApsIntegrating Purchasing Cards with SAP & Oracle

The use of Procurement Cards has been trialled by buying organisations runningOracle & SAP systems, with varied success. The issues these companies have faced

include the cost of integration, automatic reconciliation within their ERP systems,spend reporting, approval and compliance, commitment accounting issues, embeddingProcurement Cards into the purchase to pay process and managing data into different

systems. BizAps has developed a comprehensive solution to address all of the challenges above and provide buying organisations using Oracle & SAP with a fullyintegrated, highly compliant, easy-to-use system. This solution has been developedby an experienced payments and Oracle & SAP company.

Presented by Bob Mercer

CemexCemex Case study - How the world’s largest building

materials supplier has used Purchasing Solutions to realise savings

Tony Power will share best practices from the world’s largest building materials supplier. He will provide insight in to the challenges faced by Cemex and how they have used purchasing solutions in order to realise efficiencies

and drive substantial savings.

Presented by Tony Power Senior Negotiator

Allpay Prepay & Pre-loaded Payment Card Solutions

Modernise your payment methods and processes with a new cost-effective payment solution. Prepaid Cards enable organisations to have

more control over the distribution of their funds, moving away from costly cash, cheques & vouchers.

Presented by Richard Roberts Head of Prepaid Card Sales

American ExpressThe American Express presentation will discuss how the public sector

can respond to the recent Spending Review. It will look at the Efficiency Review by Sir Philip Green and discuss how real efficiencies require more than

just the implementation of a Corporate Card programme. It will also demonstrate how American Express' consultative approach can ensure the realisation of

substantial savings through a range of no cost payment solutions that have been developed specifically for the Public Sector.

Presented by Peter Smith

12.50 - 13.20

13.30 - 14.30

14.30 - 15.00

15.05 - 15.30

15.30 - 15.45

15.50- 16.25

16:45 - 18:00





Ashes & Boundary Suites - Drinks Reception


Refreshment Break

Purchasing & Card Payments and e-Payments Solutions Conference 2010

Thursday 11th November 2010 from 10:30 - 16:45 registration from 09:30CONFERENCE AGENDA TIMETABLE

A F T E R N O O N S E S S I O N

Delegates Lunch

Exhibition Stand NetworkingThis period gives attending delegates a further opportunity to network

more fully with scheme and solutions providers demonstrating products and service at their trade exhibition stands.

PivotApprove invoices and shopping carts on your Blackberry or mobile for cost savingsand faster response times. Pivot’s solution is used by some of the world’s leading

organisations and is easy to use, fast to deploy, and isall based on standard SAP so there’s no additionalsupport or maintenance cost. CCM/Approvers and financeteam’s quickly improve their response times and serviceperformance levels whilst having a full audit trail of allapprovals and rejections. Manchester City Council willbe on hand to share their experience of this clevernew SAP solution from Pivot, an SAP partner.

Presented by Chris Chittock

Cheshire East CouncilUnlocking potential through prepaid card solutions.

The presentation will provide you with key information on how to develop and deliver your own Pre-Paid card programme solution, a simple cost effective solutionto help you deliver personal budgets that will provide you and your customers with:

Flexibility - Makes the most of Personal BudgetsControl - Manages the account simply and effectively

Support - Provides assistance through designated Bank contact centre Security - Fraud monitoring and PIN protection built in

Efficiency - Enables cost effective management solutions

Presented by Wynn Spencer Assurance Manager

Social Care Redesign Cheshire East Council.

The Welsh Purchasing Card (WPC) ForumWHERE NOW FOR PURCHASING CARDS?A VIEW FROM THE (WELSH) COALFACE

It is more than a decade since the public sector started to embrace cards as an acceptable means of purchasing. Most central and local government

organisations, NHS departments and education institutes now run a purchasing cardprogramme of one size or another. During the past decade however the procurement

scene has changed extensively and “competition” to cards has become less expenseand more common. This session provides a personal view on some of the

factors that should influence the decision to start or continue using cards and where their future in the public sector may lie.

Presented by Alan Oram Welsh Assembly Government

Conference Panel DiscussionThe session is designed to discuss all the events and topics

of the day with the presentation speakers and gives the delegates a further opportunity to network with the scheme

and solutions providers.

American Express Payment Solutions Workshop

The American Express Workshop will be formed of two parts.

The first half will explore the challenges facing the Public Sector and reveal how substantial savings can be realised by automating processes.

It will give delegates the opportunity to meet the American Express team and learn about the benefits and functionality of each of the GPC

American Express Payment Solutions.

The second half will be an open forum for discussions around procurement and give people a chance to ask questions and share their

views on the demands set out by the Spending Review. There will also be an opportunity to discuss with Amex which solutions might best meet

your organisation’s needs.

Bar Bar BarRefreshments Area

To main entrance& toilets

CorridorRegistration Area

Screen

Screen

Balcony overlooking the ground

Exh

ibito

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tand

s

Maiden SuiteMaiden SuiteMaiden Suite Ashes & Boundary SuitesAshes & Boundary SuitesAshes & Boundary Suites

StairsStairs

Century SuiteCentury SuiteCentury Suite(Delegates Lunch)

Exhibition Stands Ashes & Boundary Suites

Conference Supported by




Sponsored & supported by:

2010


The Information Exchange for Card Payments Programmes, Transactions Processing & e-Payments Solutions cardpaymentsolutions

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W www.cardpaymentsolutions.co.ukwww.purchasingcardnews.co.uk cardpaymentsolutions

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E [email protected]@purchasingcardnews.co.ukT +44 (0)161 928 0485

They have succeeded in their purpose, yet theyhave failed to win overwhelming popularity.The industry’s mindset is as polarised as ever.

Back in the late 90’s we saw the launch ofPurchasing Cards in the UK.

Much has changed and much has stayed the same.

Since the introduction of Purchasing Cards in theUK, there was Visa, then MasterCard, Amex andArval following suit. We had summary VAT, thenLID and VGIS.

Lloyds (Cardnet) became Lloyds TSB:Streamline (NatWest) became Streamline (RBS)which became RBS WorldPay. Midland Bankbecame HSBC then Global Payments. HMCEbecame HMRC. The Government of the day haschanged from Conservative to Labour to Coalition.

Even the cards themselves changed namesdepending on who was marketing them. Pcard,Onecard, WPC, CPC, GPC. One of the successesbeing the Welsh Purchasing Card (WPC) easilyidentifiable by the logo of the Welsh Dragon. It latercaused concern and laughter when ‘chips’ wereintroduced. The location of the chip was originallyvery close to the rear end of the dragon.

Technology rapidly changed too. Many paymentsolutions moved from traditional desktops to theWeb. Expectations changed with it. End usersbecame more sophisticated as they grew up withtexting, Google, Facebook, creating their ownwebsites, i-phones, i-pods etc. They were comfortable and switched on to ‘messaging’ in allits forms which included making payments.

E-catalogues, E-Invoicing, E-Commerce, E-this,E-that, E-by-gum. A whole range of paymentmethods and systems were created (much to thedelight, and pockets, of consultants) and somewere even implemented. Purchasing Card wasonly one of them.

Speed was becoming more essential for next daydelivery challenges. Real time usage such as taxifares needed addressing. More and more back endmonitoring and control services such as SDOLbecame available. On-line data management systems

evolved to deal with the vast number of transactions being carried out daily.

Card security measures evolved; chip & pin,3Dsecure, Verified by Visa, Address Verification,Card validation, PCI (DSS) which were all keysecurity requirements (another consultant’s payday?). All cost time and money to develop andimplement. Payment solutions evolved to addressthe requirements. Lodged cards and tokens wereintroduced to protect card identity.

Spend hasn’t been restricted to low cost high volume items like stationery, it moved to wholenew sectors including; building suppliers, civilconstruction, DIY, MOD, Armed Forces, universities, charities, emergency services, catering, education, housing trusts, central andlocal government and recruitment being one ofthe largest and highest value. The first £1mPurchasing Card transaction was carried out fornew I.T equipment by a local authority. A JCBwas hired on a Purchasing Card. Totally dispellingthe myths of what it should be used for.

In short, everything moved on – or did it?

I have written many articles and given countlesspresentations over the years. When I reviewedthem prior to writing this one – hardly anythinghas fundamentally changed in the PurchasingCard industry other than names and technology.

There are still thousands of credit card terminalsbeing used for Purchasing Cards. Cardholders stillmake telephone calls and give out their details.Invoices are still produced on paper. Paper statementsare still being produced and sent out. What hap-pened to ‘green’ policies and eco footprints?

Today’s Government has made it very clear thatsavings have to be made. Efficiencies have to befound, accountability and value for money areessential. Purchasing Cards tick all those boxes.So why is it that there is such a huge dividebetween the have’s and have not’s?

Where Purchasing Cards have been successfullyintroduced, it was not by accident. It was down topeople who had the vision, believed in it andmade it work. The industry is littered with manyPurchasing Card programmes that were introducedand stalled. They invested in their time and identi-fied the benefits, went down the path, but didn’tmaintain the momentum and reap the rewards.

Some, like Manchester City Council, put theirefforts firmly into supplier recruitment. A ‘Champion’ drove it forward. The results havespoken for themselves with this probably beingthe best scheme in the UK. Case study after casestudy refers to the Manchester experience.

In Wales, they too had a ‘Champion’ who managed to get up to 90% of all Welsh PublicSector Organisations using the Welsh PurchasingCard (WPC) and was committed through dedicatedon-going awareness campaigns to increase thecard capable supplier network. The WPC systemserves to significantly improve the efficiency ofthe procurement process for Welsh Public Sectororganisations and their suppliers that have enjoyedconsiderable cost savings.

The most common reason for failure or stagnationof any Purchasing Card programme, Public orPrivate sector, is getting the suppliers onboard,getting them to see that there are benefits for themas well. Engaging with suppliers is crucial.

Not a new revelation by any means, but talk ischeap. Actions speak louder than words.

I am actually thrilled (sad as that might sound),that Adflex not only recognise the problem, buthave proactively done something about it.Hallelujah, something new, something creativeand constructive. Not just marketing words,Adflex are currently using it with a Global mega-company in several different countries for theirsupplier recruitment. We are using it for UK basedcompanies, we are using it for a bank’s field salesforce and we have Local Authorities lined up whowant to use it. Sounds like flexibility to me!

Adflex has created a Supplier Onboarding systemthat is web based. Given logon details, any stakeholder (issuer, acquirer, corporate, localauthorities, project managers, and implementationmanagers etc.) can access and update the status ofeach supplier, taking them from initial contactthrough to the buyer signing off that the data is inthe correct format. All via secure access androbust security.

From now on, those deploying this tool managedby Adflex have a greater than ever chance to successfully recruit their suppliers. We are bridgingthe gap between Buyers, Banks and Suppliers.Somebody had to bring new momentum to the ageold problem. This could well be it.

Looking back over the years in this industry, somuch opportunity has been lost through lack ofknowledge, lack of resource, lack of enthusiasmand lack of ‘Champions’.

Yet, I do still come across ‘Champions’ andorganisations who want to succeed. However,when you do not have the in-house skills, experience or knowledge, you should outsource itjust like you would any other service. This is whatwill make the difference for the future. Using theright people for the right job.

The next few years, will see further fall-out from the recession; job cuts, spending cuts,Government policies and tighter budgets beingimposed. The growing requirement for VAT information, details of spends and the continuousdrive for sustainable efficiency will promote theuse of Purchasing Cards like never before.

Some things never change – but they can improve.

Polarised mind sets or not, it is people, like you orme, that will determine the future of this market.

People make companies. People make organisations. People make banks. People makeGovernments. People make success or failure.People make a difference.

Anything can be achieved with enthusiasm.

My glass is half full – cheers!

W www.cardpaymentsolutions.co.ukwww.purchasingcardnews.co.ukcardpaymentsolutions

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Purchasing Cards have succeeded and failed. A mo dern day enigma.

A personal view bySteve Wilkins

Adflex Steve has been managing

different transaction types since the age of16 (a long time ago). The last 18 years havebeen spent in the payment industry involvedin every aspect of data handling, operationalsupport and relationship management .He ins ta l led the f i rs t Summary VATPurchasing Card terminal and the first LIDdesktop solution in the UK.

© Caxton House Marketing Ltd / Adflex 2010


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About Adflex...

Adflex is an independent, privately owned company specialising in payment software solutionsand services. PCI DSS certified and approved with UK banks for our credit/debit, PurchasingCard and e-commerce Payment Gateway.

Value-add services include our Supplier Onboarding System and Approval to Pay (A2P) solutions.

Adflex is a leading provider of Level 3 solutions to blue chip global companies, SME's andPublic Sector working in partnership with Issuers, Acquirers, Buyers and Suppliers.

Supported by a very experienced team we keep solutions simple, user friendly and cost effective.

Virtual Terminals Web based payment solution for Level1 and Level 3 Purchasing Cards

Bureau Services Batch file solution, for Level 1 and Level 3 Purchasing Cards

Integration Fully integrated solution for Level 1 and Level 3 Purchasing Cards

E.commerce E-commerce solutions with 3Dsecure and VbV functionality

A2P Approval to Pay solution. Buyer capability to pre-approve transactions

Client Portal Supplier Onboarding Service

ADFLEX - ‘Bridging the Gap’ between Banks, Suppliers and Buyers

For further information, or to discuss your requirements, please contact us.

Adflex Ltd | 284 Warley Hill | Brentwood | Essex | CM13 3AB | UKTel: +44(0) 1277 268755

Email: [email protected] Web: www.adflex.co.uk | www.vgis.co.uk

Imagine… The next time you are out andabout, waiting for a train, or a passenger in a car, beingable to authorise purchase orders, approve invoices andshopping carts, check your assets register, or run a status report from your mobile.

Mobile technology is the most valuable technology since the internet. With over 6 billion mobiles worldwide, whether you are checking your bank balance or making sure your dinner isn’t in the dog, we have all personally benefitted frommobiles whilst on the move.

Pivot is now extending these personal benefits into our everyday working lives by challenging convention and helping deliver a visible difference in organisational productivity. Already Pivot are working with world leading organisations to convert downtime into productive time by taking back office SAP applicationsinto the field where they can deliver most value.

Even Pivot’s most simple mobile applications lead to an immediate shift in perception about your responsiveness, flexibility and value of your IT infrastructure. What’s more, Pivot’s mobile applications are designed to allow youto react quickly to your organisational changes and challenges without spending a fortune.

As the number and types of mobile devices continue to grow with user demand,Pivot believe speedy deployment is key. Pivot’s mobile solutions can also be deployedon any mobile device including Smart Phones, or Ipads, as long as you have SAPas a back office engine, whatever it is – ERP, SRM, APO or CRM. Pivot leveragethe relevant SAP engine to deliver secure integrated mobile applications that liberateyou from your office PC and make everyone’s lives easier. .… Imagine that!

“As part of the Pivot conference presentation Manchester City Council will beavailable to share their experience of deploying Pivot's mobile invoiceapprovals and shopping cart application”.


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Email forwarded to mobile device

User selects

Select link to SAP

For further information on Pivot’s public sector SAP mobile applications please contact: [email protected]

Pivot plc 3 Maritime House The Hart Farnham Surrey GU9 7HWt: +44 1252 711825 f: +44 1252 821588

www.pivotplc.com

MAKING A VISIBLE DIFFERENCE


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The launch of ProcurerAdvance eases Level 3 supplier recruitment bysimplifying card paymentintegration for merchants.

Get the data you needWith businesses everywhere lookingto increase efficiency, asking yoursuppliers to provide enhanced datacan be difficult. Procurer Advanceautomates data capture for merchantsby capturing full Level 3 transactiondetails directly from their order processing system. Integration is simpleand one solution enables merchants toaccept all major card schemes.

Improve invoice accuracyBy eliminating rekeying, ProcurerAdvance ensures that all your invoicedetails are accurately captured andpresented back to you as qualityLevel 3 data.

Lodged cards reduce maverick spendYour employees can conduct transactions securely and easily with-out needing to quote card numbers.All your cards are lodged directlywith your chosen suppliers and a quickcall or e-mail is all it takes to make apurchase. This ensures purchases aremade at approved suppliers and helpsto reduce maverick spend.

Help with supplier recruitmentEngaging suppliers is key to the success of any purchasing card programme. We’ve been working withmerchants of all sizes for over 20years and are experts in guiding suppliers through the data captureprocess. Our knowledgeable team areavailable to advise on the phone or atsupplier events. Should space be achallenge, we can host supplier gatherings for you in our purpose-built conference suite. If you are looking to engage merchants, give us a call and ask how we can help you with supplier recruitment.

Moving forwardIn response to continued expansion,ITS has moved to new offices inLangstone, Hampshire.

For more information please contact:

0845 504 6330Email: [email protected]: www.InteractiveTS.com

Interactive Transaction Solutions LtdLangstone Technology ParkLangstone Road, HavantHampshire PO9 1SA

Get more Level 3 data with ITSSimpler integration eliminates supplier rekeying

POWERING WORLD-CLASS PERFORMANCE


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Commercial Card Software Solutions

Contact: Sonya Geelon, Sales Manager

Tel: +353-1-6762700

Email: [email protected]

First Data Commercial Services (FDCS)provides commercial card software solutions for banks and organisationsthroughout Europe and the U.S, using ahosted SaaS model. Established in 1996,FDCS (previously known as Deecal) isrenowned for its domain expertise andintellectual capital in the commercialcard industry. Its service offering knownas D.Cal provides companies with real-time visibility of their card-basedexpenditure. The product suite includes;

Purchasing Card Manager (PCM)Purchasing Card Manager (PCM) is a web-based solution that gives the client on-line access to theirprocurement transactions. PCM provides the tools toanalyze spend, reclaim tax, and automate the tax coding and cost coding of P-card transactions. PCM is a hosted service, so there is no installation cost, and no need to buy or install computer hardwarereducing the implementation time for the customer.With PCM one can exploit the real potential of purchasing cards - to drive down administration costs and the price paid for goods and services.

Program highlights include - On-line real-time reporting and analysis, Daily access to transactions on-line, Automatic cost coding and tax coding oftransactions, Early fraud detection, Merchant basedreporting, Cardholder activity reporting, Evidencefor tax reports and Enterprise Resource Planning (ERP) Integration.

Expense Claim Manager (ECM)In some instances, the cost of processing a reimbursement can almost equal the average claimvalue. ECM streamlines the administrative stages ofexpense claim processing - time wasted moving paperaround the office, waiting for statements to arrivefrom the bank, chasing department managers toapprove claims, checking for policy exceptions, andfollowing-up overdue expenses. With ECM, staff canreceive their reimbursements in a third of the time itwould take without expense automation, and spendmuch less time preparing their expense claims. ECM provides on-line enquiries that highlight policyexceptions, so that claims forms do not have to bespot-checked manually.

Program highlights include -Expense automation, Add out-of-pocket and mileage items, Automaticcost coding of each expense, On-line ECM enquiries, Pre-populated claims, Low investment, immediate benefit, Identify fraud and ERP Integration.

Lodge Program Manager (LPM)Lodge Manager is a service that provides a cost effective and simple means of managing and allocating spend for all travel expenses for a company.The Lodge Card allows a company to book all travelspend for the business with their chosen travel agency.Travel spend is managed on the card - ensuring theavailability of electronic management information -without the need to issue individual cards to staff.Lodge Manager takes the statement information froma client’s bank and retrieves the enhanced travel information from a selected travel agent. The servicethen matches the two sources of data to providedetailed management information (MI) on travelspend via reports and exports.

Program Highlights include – Manages companiestravel expenses, Detailed management information(MI) on travel spend via reports and exports, Fullcost allocation of travel expenses and Cost effectivesolution (no physical card costs).


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Bob Mercer DirectorTEL +44 (0)870 240 8212

BizAps, A WNS Group CompanyDelivering Innovative ERP Solutionswww.bizaps.net

T he use of Procurement Cards has been trialled by buying organisationsrunning Oracle & SAP systems, with varied success. The issues thesecompanies have faced include the cost of integration, automatic

reconciliation within their ERP systems, spend reporting, approval and compliance, commitment accounting issues, embedding Procurement Cards intothe purchase to pay process and managing data into different systems. BizApshas developed a comprehensive solution to address all of the challenges aboveand provide buying organisations using Oracle & SAP with a fully integrated, highly compliant, easy-to-use system.

This solution has been developed by an experienced payments and Oracle & SAP company.

Benefits Delivered:

Manage P-Cards within Oracle & SAP SystemsA truly integrated purchase to pay processAutomated reconciliationWeb based tool for ease of useMapping line items to your existing material groups for enhanced spend analysisAudit trackingAbility to create purchase orders and commitments for P-cards within Oracle & SAPAbility to capture line item level details.


page 14


Acquirer or acquiring bankThe bank where a merchant has an accountto process transactions and credit payments

AVS Address Verifications ServiceFraud-prevention mechanic that verifies acustomer address against a card

AVV/CIDThe American Express equivalent of AVS & CVC2

BINThe bank identification number with the card schemes

Card Validation Code 2 (CVC2).Fraud-prevention mechanisms initiated byMasterCard and Visa to protect merchants.These codes are the three digits on the backof a MasterCard or Visa card that follow thecardholder's credit card number—they offerMail Order and Internet merchants additionalsecurity by helping to identify a cardholder ina CNP transaction.

CCS Cardholder Currency SelectionThe Servebase enablement functionality forDynamic Currency Conversion (DCC) throughvarious providers

ChargebackIs a practice in which the bank that issues the credit card returns a customer'sdisputed transaction to the merchant—via themerchant's acquirer—for resolution.

CNP Cardholder Not PresentFor example, Mail order or Internet transaction processing

Commodity Codes (CC)VISA specified codes for categorising theactual commodity (eg: nuts and bolts).Approximately 300codes.

Cost Allocation Codes (CAC)Applying internal cost coding to eachPurchasing Card Cardholder (eg: cost centre number, department number or budget number).

CPCAmerican Express Corporate Purchase Card –effectively the Amex version of VISA &MasterCard Purchase Cards

Customer Reference Code (CRC)VAT capable suppliers can input a CRC at thePoint of Sale up to a maximum of 16 digitsbeing alpha or numeric. An example would bea job costing number.

Daily Transaction File (DTF)The transaction file that includes all of yourPurchasing Card spend for the previous 48 hours.

DCC Dynamic Currency ConversionA foreign exchange mechanism provided by banks and third parties that gives acardholder an option to pay either in themerchant’s local currency or their homecurrency at the point of sale

ECI Electronic Commerce IndicatorA mandatory requirement from card Schemesto distinguish transactions generated through the Internet

Government Procurement Card (GPC)Same as a VPC but specifically aimed atGovernment Agencies and Bodies.

Level 1 SupplierVISA Capable Suppliers (accept PurchasingCards but are non-VAT enabled otherwisereferred to as NVE supplier).

Level 2 SupplierVAT Capable Suppliers (accept PurchasingCards and provide the facility for a customerreference code and summarised VAT total).

Level 3 SupplierVAT Capable Supplier with Line Item Detail(accept Purchasing Cards as VAT capablesuppliers but in addition they will provide Line Item Detail descriptions for the goods /services provided with individual VAT amounts).

LID Line Item DetailThe auxiliary data attached to a purchasecard transaction to qualify for VAT certification in place of an invoice (UK).

Line Item Detail (LID)Suppliers with LID capabilities have software installed at their premises that willprovide an individual line of detail for everycommodity purchased.

Low Value Goods (LVG)Typical commodities bought using a PurchasingCard would be LVG (eg: stationery).

Management Information (MI)Reports and expenditure analysis for monitoring your purchasing card spend.

Merchant Category Codes (MCC)VISA specified codes for categorising vendors (eg: stationery). Approximately 250codes.

Merchant Category Groups (MCG)VISA specified groups for categorising typesof spend (eg: airlines, cash advance).Approximately 35 groups

MIDThe Merchant Identification Number with thebank acquirer.

Point of Sale (POS)Terminal at supplier through which thetransaction is processed.

PSPPayment Service Provider

SDOLMasterCard Smart Data OnLine solutionprovides back office management informationand works in conjunction with MasterCard‘onecard’ combining purchasing card andtravel transaction functionality on a single card.

SPA/UCAFThe Mastercard equivalent of VbV (Now also known as MasterCardSecureCode)

Value Added Tax (VAT)Tax that is added to each commodity at theappropriate rate depending on the commodity purchased.

VbV “Verified by Visa”A methodology introduced by the CardScheme and Banks to provide an additional,secure cardholder verification process prior toan Internet transaction proceeding.

VGISVisa Global Invoice Specification.

Visa Purchasing Card (VPC)Charge card commonly used for low value,high volumetransactions.

To help understand the Payments Industry own unique language, we thought of a good idea to produce a Glossary of Terms of the most commonly used terms, acronyms and abbreviations associated

with payments transaction processing and e-Commerce applications. This glossary of terms will be especially beneficial for those in the early stages of development and implementation

of Purchasing & Card Payment Solutions Programmes.

For further information please contact: [email protected]


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• Business Categories

• Products & Services

• Merchant Category Codes

• Purchasing Card Capability at: -

• Level 1, 2 or 3 Purchasing Card Capable Suppliers

• All level 2 Purchasing Card Capable Suppliers

• All level 3 Purchasing Card Capable Suppliers

• Suppliers Name, Contact Details or Post Codes

• Geographical Area or Regional Search

www.search-online-now.co.ukSearches for Purchasing Card Capable Suppliers can be made amongst others by: -

Log on to: www.search-online-now.co.uk Making connections between Suppliers & Buyers

www.search-online-now.co.ukHas been developed to offer Public &Private Sector organisations a solution to source Purchasing Card Suppliers at Level One, Level Two and Level Threecapability (LID capable).

By providing an On-Line directory and search engine www.search-online-now.co.uk profiles suppliers businessactivities, products & services assisting both Public & PrivateSector buying purchasing and contracting personnel to recruit UK based Purchasing Card Capable Suppliers.

Existing and new Purchasing Card Capable Suppliers are able to amend, update and add their company details On-Line towww.search-online-now.co.uk on a self-administered basis.

For further information please contact:-Public Sector Suppliers Bureau LimitedTel: +44(0) 161 928 3502Fax: +44(0) 161 928 1713Email: [email protected] Web: www.search-online-now.co.uk

Search for Purchasing CardCapable Suppliers ...On Line!

purchasing card newslink - issue 49

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