Card Payment Solutions - Issue 46

NEWSCard Payment Solutions

PURCHASINGCARD

www.cardpaymentsolutions.co.uk

incorporating:

The Information Exchange for Electronic Transactions & Card Payment Solutions

issue 46 2009

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

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Contents

The e-Payments & Payment CardSolutions Conference 2009

Conference 2009 Overview 3

Choices 4

Conference Agenda Timetable 5

Exhibition Stands & Floor Plan 6

Conference Agenda:

Merchant Payment Processingwith Transaction DataManagement and Support

Interactive Transaction Solutions 7

Adflex 8

Servebase 8

www.search-online-now.co.uk 8

B&Q plc 9

SecureTrading 9

Commercial Cards Issuing Banks

HSBC Bank plc 9

Citi 9

SAP and Oracle Integration Solutions

Manchester City Council 10

BizAps 10

Public Sector Procurement Card Programmes

Welsh Purchasing Card 11

Swansea University & Aberystwyth University 11

Buying Solutions 11

Prepay and Pre Loaded Card Solutions

allpay 12

Card Schemes

American Express (Amex) 13

Arval 13

AirPlus International 13

E-invoicing and OCR Solutions

Cogent Consulting 14

Royal Bank of Scotland 14

Electronic Card MI andTransaction ManagementSolutions

First Data Commercial Services 15

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

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cardpaymentsolutionsThe e-Payments & Payment Card SolutionsConference 2009 Overview

The e-Payments & Payment Card SolutionsConference 2009 will look at all aspects andvariety of electronic and commercial card payment solutions and services currently available in the market place.

Throughout the day an extensive range of products and services highlighting innovative payment solutions available now will offer and assistyour organisations deliver efficiencies and cost savings, a major benefit toboth Private Sector companies and Public Sector organisations alike.

Our busy days agenda includes leading edge presentations, productsdemonstrations case studies, breakout sessions and networking opportunities, workshops and exhibitions hosted and presented by industryelectronic payment solution providers, commercial card schemes & cardissuers and leading back office solutions providers.

The conference agenda will illustrate just how the wide range of paymentssolutions presented can affect your future day-to-day business dealings.

Conference focus topics provides you with the background to e-Payments & Payment Card Solutions including:

• Purchasing Card and Commercial Card Payment Solutions

• Invoice Scanning Systems

• 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

• eProcurement Purchase to Pay technology

• e-Invoicing Solutions

• SAP Integration Software Solutions

• Transaction 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

The International Suite at Manchester United Football Club,Sir Matt Busby Way, Old Trafford, Manchester M16 0RAThursday 24th September 2009 from 10:30 to 16:30 - Registration from 09:45


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Business Payment Cards and e-Payment Solutions ProvidersChoosing the right Business Payment Card or e-Payment SolutionsProvider to fit your business model is sometimes confusing butobviously desirable.

For the ‘User’ it gives them the option to choose the mostappropriate Card Payment & e-Payment Solution for their needs from the most effective provider.

For the ‘Supplier or Merchant’ it offers them a range of solutions andproviders when deciding on the most appropriate and cost effectiveway to embrace card payment acceptance.

Having this choice does mean that both ‘ Users’ and their ‘Suppliers’ will have homework to do before arriving at the right solution and provider.

That’s why the e-Payments & Payment Card Solutions Conference2009 is an important event to attend. The Conference has beendesigned to give you the ideal opportunity to overview of what’s newand currently available from the Payments industry.

Card Schemes and Issuing BanksIn the UK the majority of commercial and pre-paid cards are brandedproducts from the Amex, MasterCard or Visa stables. BusinessPayment Cards come under a variety of nomenclatures, Corporate,Charge, Procurement, Purchasing and Pre-Paid being just some.

The term “Card” is in itself somewhat misleading because many ofthe products now becoming available offer much more than just apiece of plastic. Indeed it is perfectly normal to run a cardprogramme without any cards.

Whilst the standard model of a card being carried around in walletand purse is still universal, increasingly we are seeing Issuers andspecialist companies offering a whole range of flexible purchasingsolutions built around payment card functionality which can providepre-purchase controls on the one hand and electronic delivery andmanipulation of statements and management information on the other.

Closed loop and hosted cards are terms for card usage wherepurchases are restricted to particular suppliers nominated by the business and the purchaser may not even know that a Card is involved.

So who issues these cards and associated products?The answer is, not unsurprisingly, most of the corporate banksoperating in the UK offer a range of products to suit a variety ofbusiness/corporate needs. For organisations operating in the Public

Sector certain banks, which are party to Government agreements,will provide the Government Procurement Card (GPC) that is Visabadged at present and, for those with a Welsh connection, the WelshPurchasing Card (WPC) that can be either MasterCard or Visa.

For those looking for Pre-Paid Cards the range is somewhat broader.As well as most corporate banks a range of building societies andothers are now issuing these products. This is probably a reflectionof the potential for growth the industry sees for the Prep-Paid Cardmarket, both in the consumer and government/business fields.

Web Based Transaction Solutions?There are a growing number of third party software specialists whooffer a range of web based transaction solutions that can work acrossa multitude of cards from different issuers and different schemes.

However some card issuers offer their own additions to the basiccard product particularly for the delivery and handling of managementinformation and to provide more sophisticated pre-use controls.

Accepting Card payments?Suppliers generally have to do two things, although there arealternative paths. Firstly they need to be set up with a merchantaccount by an “Acquiring” Bank.

A relatively simple process subject to passing the bank’s appropriatecredit/risk assessment criteria.

It should be noted that the is no requirement for this merchantaccount to be with a suppliers existing bank and it may well be thata better deal can be obtained by shopping around and also checkingif there is already a “trade” deal in place with one of the Acquiringbanks covering any trade associations of which the supplier is a member.

The second requirement is to have the necessary means with whichto process card transactions on the merchant account.

There is a plethora of systems/solutions to cover this from a range ofthird-party providers and which is right really does depend on what maybe a complex variety of factors. Will the supplier be undertaking face-to-face transactions (in which case a chip and pin terminal is a must),remote (such as phone, fax or internet orders) or a mixture of both?

The type of cards to be accepted and level of transaction datademanded by any key customers is also a major consideration.

Increasingly both public sector and private businesses are demandingan enhanced level of data (including VAT detail) from their cardcapable suppliers and the ability to provide this may be crucial incontinuation of the business from these card users and further growth.

Again, a range of products is available with both the acquiring banksand solution providers able to provide expert advice on the bestsolutions for any particular business.

cardpaymentsolutions

Delegates Lunch in The International Suite

THURSDAY 24TH SEPTEMBER 2009 FROM 10:00AM - 16:30PMCONFERENCE AGENDA TIMETABLE

International Suite Registration & Refreshments

International Suite Conference Room 1 International Suite Conference Room 2

International Suite Welcoming Address

Swansea University & Aberystwyth University Purchasing Card case study presentation

Presented by Ridian Morgan Swansea University & Janet Reed Aberystwyth University

B&Q plcCase study - Britain largest retailer becomes fully P-Card capable at Level 3

Like you B&Q sees Purchasing Cards as a very effective and efficient means of procurement.B&Q have made a significant investment in becoming a Level 3 capable Purchasing Card merchant

enabling B&Q to offer line item detail,including additional VAT information on all B&Q purchases.Presented by Mike Cartwright

Manchester City Council Case study on successfully integrating P-Card programmes & SAP

Paul Muir SAP Change Team Leader - P2P Financial Management Division gives an overview of howManchester City Council integrated their existing £70M turnover Purchase Card programme into SAP.

How they are implementing the latest version of XiBuy from Paymetric and a move to operating their programme through the use of Lodge Cards.

Presented by Paul Muir, Manchester City Council SAP Change Team Leader - P2P

Secure Trading Internet payment service provider highlighting a diverse range

of innovative payments servicesSecureTrading is the UK’s leading independent Internet Payment Service Provider (PSP), with more than 10 years of experience providing secure real-time payment processing for businesses operating online.

SecureTrading is trusted by many of the UK’s best-known brands and offers a diverse range of innovativepayment services that are tailored to meet the precise needs of its customers. Presented by Jon Prideaux

Buying Solutions General outline presentation on the future 2010 GPC3 framework agreement of payment solutions for public sector organisations

Jim Parkinson - Head of ePayments Buying Solutions

BizAps Integrating Purchasing Cards and SAP & Oracle

Our extensive experience and expertise lies in helping companies to optimise and automate end to end business processes through process re-design and the implementation of fixed price, fixed scope SAPproducts. Purchasing Cards can form an important element of your AP strategy and integration to SAP is a

given - but have you really leveraged the benefits they could deliver to your organisation? BizAps willexplore the widerranging and significant benefits which are available but are often over looked.

Presented by Conor Mullaney

Royal Bank of Scotland e.Invoicing Solutions presentation

Presented by Ian Watkinson, Head of Product Innovation

AirPlus InternationalYour partner for payment and analysis of your business travel expenses

AirPlus sets the global standards when it comes to offering intelligent products and customised solutions thathelp improve the daily expense management processes of over 32,000 companies worldwide. When BT neededa global payment provider to streamline its corporate card operations it looked to AirPlus for both its lodged and

corporate card solutions. Since switching to AirPlus, BT has been able to optimise its processes for handlingexpense claims of 60,000 regular travellers, reduce company risk and uncover true savings potential.

Presented by Gaynor Martin, BT Global Corporate Card Manager and Rachel Burgess, AirPlus International

Allpay Pre-Paid Card Solution presentation

Modernise your payment methods and processes with a NEW cost-effective payment solution.Prepaid Cards from allpay enable organisations to have more control over the distribution of their funds,

moving away from costly cash, cheques & vouchers.Presented by Peter Brownbill, Head of Pre-Paid Card Sales

First Data Commercial Services The Solution for B2B Payments

This presentation will look at the challenges we face in automating B2B payments and why to date there has been little success in replacing paper based and manual processes.

The summary will look at what the potential solution looks like.Presented by Des Cahill, Managing Director

09.15 - 09.45

09.45 - 10.00

10.00 - 10.25

10.45 - 11.10

11.30 - 11.55

12.05 - 12.25

12.30 - 13.45

13.45 - 14.10

14.30 - 14.55

15.15 - 15.40

16.00 - 16.25

16.30

Arval Fuel cards and other vehicle related payment methods

Arval is the leading fleet and fuel management company in Europe with over 30 year’s industry experience.In the UK, we have over 1.2 million fuel cards in circulation and through these cards we process over 50 million

fuel purchase transactions every single year. Fuel cards allow companies to control and reduce their fuelexpenditure as well as monitoring CO2. Arval fuel cards are accepted at more than 95% of major fuel stationsthroughout the UK via the AllStar network which means that drivers are never far from somewhere to fill up.

Presented by Bernard Tomkins

Welsh Purchasing Card (WPC) What does the future hold for further growth of P-Cards in the UK Public Sector?

Weaknesses, Threats, Strength and Opportunities! - A view on what the PublicSector and their Service Providers have (and have not) achieved over the past decade or so and

some questions on whether there is sufficient innovative thinking and product development to reap maximum benefits from cards in the next decade.

Presented by Alan Oram, Purchasing Card manager

Includes question & answer session

from








International Suite - Closing Address & Drinks Reception

International Suite Conference Room 1 International Suite Conference Room 2

American Express Presentation of their broad and innovative payments proposition to

Public Sector organizations

Presented by Michael Green, Director of UK Account Development

Cogent Consulting eInvoicing & OCR integrating with SAP

Cogent Consulting provide P2P solutions to SAP users including e-invoicing services, scanning and OCR solutions, P-Card solutions and document management to SAP users in the UK and Europe.

Presented by Daniel Kimpton

Citi Pre-Paid Card Presentation

This presentation will identify the benefits to Local Authorities & Public Sector organisations the benefits of implementing Prepaid Cards

as a more efficient method of making payments to citizens and employees.Presented by Jonathan Nixon of Citi Bank & Martin Polak of Boston Marks

The e-Payments & Payment Card Solutions Conference 2009

The conference agenda may be subject to change without prior notice

Adflex Accepting Purchase Cards - How Adflex make it easy for suppliers

The successful Launch of Adflex Bureau Service in 2008 has lead to a tremendous increase in purchase card acceptance from suppliers with limited or no IT support. Adflex make the process simple

for the supplier by liaising with the cardholder to ensure accurate, reliable level 3 data is always supplied.

Presented by Pat Bermingham, Managing Director


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cardpaymentsolutions


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Car Parks W1 & W2

RefreshmentsBar

Lunch AreaConference Room 2Conference Room 1

ReceptionExhibition Stands

Exhibition Stands

Exhibition Stands

The International Suite Exhibition Stands :-

The conference agenda may be subject to change without prior notice

Product demonstrations will be made between the presentation breaks

The e-Payments & Payment Card SolutionsConference 2009

The International Suite Conference Rooms 1 & 2:-

The International Suite at Manchester United Football Club,Sir Matt Busby Way, Old Trafford, Manchester M16 0RA

Thursday 24th September 2009

Interactive TransactionSolutions (ITS)

Interactive Transaction Solutions (ITS) is one of Europe’s leading suppliers ofpayment related software and data handling services including majorloyalty programs.

ITS has a PCI accredited platform hosted by BT with secondary platformsand full business continuity/-disaster recovery capabilities. Establishedsince 1990 ITS has become pioneers in the Purchasing Card market. ITSprovides a wide range of solutions to accommodate all B2B needs of allbusinesses.

ITS offers a complete one-stop service providing user interface applicationsand transaction handling solutions that facilitate a seamless ‘payment tosettlement’ process in real-time or batch.

ITS flows American Express, Visa Purchasing and MasterCardOnecard/Multicard Level 3 addendum data as well as standard cards. ITSdaily carries out bulk settlement to Streamline, Barclays, Lloyds, HSBC,HBOS and AMEX.

Procurer Bureau A Paper based B2B transaction service formerchants accepting low volume or have no technology capabilities. Level1+2 & Level 3 and VGIS

Procurer Online: our very popular web based solution, simple to useanytime anywhere. Level 1+2 & Level 3 and VGIS

Procurer ERP: Integrated solution for high volume merchants. Level1+2 & Level 3 and VGIS

Procurer Ecom: E-commerce version of Procurer ERP. Level 1+2 &Level 3 and VGIS

Procurer Matching: Using Level 1 terminals at point of sale, matchingAddendum data and then flowing Level 3 to the acquirers

Procurer Managed: Bespoke payment services for high volume merchants.Level 1+2 & Level 3 and VGIS. Additionally, we poll thousands of bank ownedterminals providing Level 1 & 2 data with Summary VAT.

Steve WilkinsHead of Operations

[email protected]

Merchant Payment Processing with Transaction Data Management and Support

Presentation, Exhibition Stand & Workshops hosted by:

Accepting Card Payments suppliers generally have to do two things:

Firstly they need to be set up with a merchant account by an “Acquiring” Bank.

A relatively simple process subject to passing the bank’s appropriatecredit/risk and assessment criteria. Although there are alternative paths fromthird party providers.

The second requirement is to have the necessary solution with which toprocess card transactions on the merchant account, from cardholder presentto remote transactions such as phone, fax or Internet orders or a mixture ofboth dependent on the

type of cards to be accepted and level of transaction data demanded bycustomers.

There are a wide range of solutions available from third-party providersincluding bureau services that will fulfil these requirements.

Increasingly both public sector and private businesses are demanding anenhanced level of data including full VAT level three details from their cardcapable suppliers and the ability to provide this may be crucial in continuationof the business from these card users and further growth. Again, a range ofsolutions are available from both the acquiring companies and third partysolution providers able to provide expert advice on the best solutions for anyparticular business.

The Conference agenda offers delegates a choice of detailed Presentations, Demonstrations and Exhibitions on Payments ProgrammeSolutions and Case Studies highlighting the following topics.Full details of the individual Conference Presentations, Demonstrations Exhibitions on Payments ProgrammeSolutions and Case Studies will be included in each category topic.


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Adflex

Accepting purchase cards from the suppliers point of view can be daunting. Here at Adflex we make iteasy for your suppliers to accept purchase cards. From legacy to state ofthe art systems, our aim is to get supplier data to the buyer with the leastamount of fuss and bother.

Adflex have unparalleled expertise when it comes to purchase cardimplementations. We provide secure software to process all types of cardtransactions covering level 1, level 2 and level 3 including VGIS, LID, andAmexCPC. Our software is smart enough to accept data from a wide rangeof sources including invoice files, reports and database exports.

Adflex Virtual Terminal (AVT)Adflex Virtual Terminal is a simple yet powerful windows application thatcan be run on a standard Windows PC, allowing all card types to be

processed quickly and easily. For a demonstration visit:http://www.adflex.co.uk/demo/avt.htm

Adflex Integrated Solution (AIS)Adflex provide fully integrated solutions allowing seamless communicationbetween your current computer systems and our payment gatewayremoving the need to re-key transaction information.

Adflex Bureau Service (ABS)For those who do not want to use a software solution to accept purchasecards, take advantage of our Bureau Service. Simply send us your invoicesin any electronic format and we’ll do the rest for you.

Consultancy ServicesOur expertise of card processing systems allows us to offer unparalleledconsultancy services. Our consultants are able to carry out onsite visits,undergo process evaluation and process formulation followed by detailedflowcharting and proposition of a tailored solution.

Presented by Pat Bermingham [email protected]

Servebase

Servebase is a leading provider of card processing software solutions andservices. Established for 21 years we are partnered & accredited with majorbanks and business partners globally. Our specialist sales team are here tooffer you expert advice and help you select the best payment processingsolution to fit your business requirements.

We place the highest importance on understanding the individualrequirements of our clients and, as well as ‘off-the-shelf’ payment services,we offer a bespoke solution development service.

Each solutions is fully redundant, offers disaster recovery and includes

access to our help desk which is staffed 24 hours a day, seven days aweek, 365 days a year.

Our commitment to security is demonstrated by our compliance with therequirements of the Payment Card Industry Data Security Standard (PCIDSS) for Level 1 Service Providers.

Servebase payment processing solutions support the processing ofpurchasing card data up to Level 3 (Line Item Detail) for ‘B2B’ transactions.We support the following purchasing card schemes:

• Visa (VGIS)• MasterCard One Card• American Express

To find out how we can meet your purchasing card requirements, pleasecontact us.

[email protected]


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www.search-online-now.co.uk Making connections between Suppliers & Buyers

www.search-online-now.co.uk Has been developed to offer Public & Private Sector organisations a solution to source Purchasing Card Suppliers at Level One, Level Two andLevel Three capability (LID capable).

By providing an On-Line directory and search engine www.search-online-now.co.uk profiles suppliers business activities,products & services assisting both Public & Private Sector buyingpurchasing 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 to www.search-online-now.co.uk on a self-administered basis.

[email protected]


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Commercial Cards Issuing BanksCommercial Card Issuing Banks issue and offer avariety of Visa and/or MasterCard Purchasing andCard Payment Solutions.

The majority of enabled card capable suppliers thatprovide card management data can accept both Visaand MasterCard files.

Some Commercial Card Issuing Banks have their ownproprietary software, as does MasterCard, but apart fromthat the data they flow is identical.

Most Card Issuers will make daily transactions data fileavailable to you, in some instances this may be amonthly data file with the level of service offered possiblydepending on the size and the value of your programme.

B&Q plc

You can now use your Visa Purchasing Card at the country’s largest DIY retailer.

Like you B&Q sees Purchasing Cards as a very effective and efficientmeans of procurement. B&Q have made a significant investment inbecoming a Level 3 capable Purchasing Card merchant enabling B&Q tooffer line item detail,including additional VAT information on all B&Q purchases.

Visa Purchasing Cards, the story so far...

• Huge EPOS upgrade programme 2006 with Level 3 enhancement as part of it.

• December 2007 B&Q becomes Level 3 capable VGIS supplier.

• Functionality available in all stores 330 stores across the UK open7.00am to 9.00pm 7 days a week (most stores) with 35,000 productsunder one roof in the larger stores.

• Accredited to OGC Retail Trade Framework and Trade Discount Cards available.

Presented by Mike Cartwright [email protected]

SecureTrading

SecureTrading is the UK’s leading independent InternetPayment Service Provider (PSP), with more than 10 years of experience providing secure real-timepayment processing for businesses operating online.

SecureTrading is trusted by many of the UK’s best-known brands and offersa diverse range of innovative payment services that are tailored to meet theprecise needs of its customers.

Presented by Jon Prideaux [email protected]

Citi

Citi, the leading global financial services company, hasapproximately 200 million customer accounts and doesbusiness in more than 140 countries.

Through its two operating units, Citicorp and Citi Holdings, Citi providesconsumers, corporations, governments and institutions with a broad rangeof financial products and services, including consumer banking and credit,corporate and investment banking, securities brokerage, and wealthmanagement. Additional information may be found at www.citigroup.comor www.citi.com.

Presented by Jonathan Nixon [email protected]

and Martin Polak [email protected]

Barclaycard

Barclaycard Commercial is the UK’s leading provider of the Government Procurement Card. With over 12years’ experience as an approved Framework supplier,our knowledge and expertise span all sizes and typesof public sector organisations.

As we enter the new Framework Agreement, Barclaycard Commercial willbecome a dual issuer offering both Visa and MasterCard solutions. This will

enable organisations to utilise the depth and breadth of our experiencewhilst being able to select a solution that best meets their needs.

We have an extensive portfolio of products and solutions designed toenable effective control and efficient management of all types ofexpenditure; streamlining procedures and delivering efficiency savings.

Our products and solutions are reinforced with a dedicated public sector team who are totally focused on meeting the needs of public sector organisations.

To find out more please contact Sarah Bunting [email protected]

or visit: www.barclaycard.co.uk/commercial


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SAP and Oracle Integration SolutionsThere is software available that fully integrates with SAP,from a user perspective they log onto SAP and the cardmanagement software is available. As with the web-based solutions the basic functionality is available

• Automatic cost code allocation on input of the file

• VAT reclaim for level one vendors

• Card and user profiles

• Splitting of transactions over multiple cost centres

• Various levels of transaction approvals

• Multi level approvals

• Multi user access

• Suite of reports plus custom reporting options.

But they will also offer additional functionality

• Automatic matching of SAP purchase orders to P-Card transactions, if no match found proposingpurchase orders that are a close match

• Manual matching of purchase orders to P-Card transactions

• Automatic posting to the ledger for matched items

• Treats P-Card transactions as an “electronic” invoiceand uses SAP “MIRO” screens to post the transaction

• As well as using the reporting options supplied withthe software stand SAP reports can be used todetermine vendor spend

By using an integrated solution it enables the business tooperate a single process for the raising of orders whetherthey are P-Card or not, this means commitments will beavailable when purchase orders are raised and actual'swill be posted upon goods receipting, with the vendoraccounts being updated when the transactions areposted. By using this type of solution it treats P-Card asanother form of payment. If the company operates a NoPO No Pay Policy this solution will complement thatpolicy.

As these solutions sit within SAP, there will be a singlelogin and standard SAP access controls apply. Savingscan be achieved from an integrated system both fromthe use of purchase cards, reduction in invoiceprocessing, reduction in the member of staff required tooperate the purchase card programme and the rebatereceived from the card provider.

Manchester City Council

Integrating your Purchasing Card Programme and SAP Paul Muir SAP Change Team Leader - P2P Financial Management Divisiongives an overview of how Manchester City Council integrated their existing£70M turnover Purchase Card programme into SAP.

How they are implementing the latest version of XiBuy from Paymetric anda move to operating their programme through the use of Lodge Cards.

Presented by Paul MuirManchester City Council

[email protected]

Case Study by:

BizAps

BizAps is a leading SAP Products and Consultancycompany and an SAP Packaged Service partner.

Our extensive experience and expertise lies in helping companies tooptimise and automate end to end business processes through process

re-design and the implementation of fixed price, fixed scope SAP products.Purchasing Cards can form an important element of your AP strategy andintegration to SAP is a given - but have you really leveraged the benefitsthey could deliver to your organisation? BizAps will explore the widerranging and significant benefits which are available but are often over looked.

Presented by Conor [email protected]


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Public Sector Procurement Card ProgrammesAvailable with the Welsh Purchasing Card and The Office of Government Commence (OGC)

The Welsh Procurement Card initiative is similar to theOGC but is available to mainly Welsh Public Sectororganisations. This offers both a MasterCard and Visasolution but the MasterCard solution has considerablymore programmes. The uses of this scheme enjoy thebenefit of a shared programme and dedicated supportfor the individual programmes from a team that work forthe Welsh Procurement Initiative (WPI) and liaison withthe bank is carried out from that team. Meetings areheld with all members of the scheme, the bank and WPIteam members.

One the major benefits of operating a scheme such asthe WPC is that everyone shares in joint rebates from the

bank as the total spend from the scheme counts towardsthat rebate, so smaller programmes benefit from a higher rebate.

The Office of Government Commence (OGC) hasarranged a framework agreement with a number of thecard issuing banks (GPC2). This agreement allows PublicSector organisations to select one of the card issuingbanks as their supplier of their purchasing cardprogramme without going through a formal tenderingprocess.

As this is a framework agreement the financials withinthe contract are up for negotiation by the cardprogramme with the card-issuing bank.

OGC are currently in the process of vetting its GPC3framework agreement.

Welsh Purchasing Card

Having now been established for over 6 years, the Welsh Purchasing Card(WPC) has reached a position where it is extensively used by the vastmajority of Public organisations in Wales across all sectors. Provided underthe terms of an agreement between the Welsh Assembly Government (WAG)and Royal Bank of Scotland the WPC uniquely (for the moment in the UK)offers users a choice of Visa and MasterCard schemes. The MasterCardproduct has however become the de facto card of choice, not least becauseof the provision of MasterCard's powerful web based card managementsystem, Smart Data OnLine which has allowed organisations to set up anintegrated card based purchase to pay system to suit their individual needs.

Time moves on and WPC now sits with the WAG's xchangewalesprogramme as one of a range of e-procurement tools which encompass the likes of e-sourcing, e-trading and e-invoicing. Whilst still growing inpopularity, the role of WPC (and purchasing cards in general) are being re-assessed in view of the impact of alternative solutions increasinglyavailable under the banner of e-procurement. This session poses somequestions on how well the P Card industry has responded to the ‘threat’of e-commerce, what, if any, innovative thinking is there and what does

the future hold for further growth of P Cards in the UK Public Sector.

Alan OramCard Programme Manager

[email protected]

Purchasing Card case study by:

SwanseaUniversity &AberystwythUniversity

Purchasing Card case study presentation

Presented by Ridian MorganSwansea University

& Janet ReedAberystwyth University

Buying Solutions2010 GPC3 Framework AgreementBuying Solutions (OGC) will host a general outline presentation on the future 2010 GPC3 framework agreement of payment solutions for public sector organisations.

[email protected].


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Prepay and Pre Loaded Card SolutionsPrepay cards are a simple and innovative method ofmoving away from cash and cheque payments tocustomers, some of which may not have bankaccounts, for making social and benefit payments.

There are basically two ways the cards can be used,single use, this where an amount of money is loadedonto the card and once used the card is no longer valid.The second method is a multi use card; this card can beloaded on a weekly, monthly basis with either the sameamount or different amounts each time.

The cards are accepted anywhere credit cards can beused and control, if required, can be placed onto thecards to restrict where they can be used. It is alsopossible to see where the cards are being used by usingcard management software. Even though these cardsappear to be a “credit card” there is no credit involvedand the recipient of the card can only spend up to thevalue that has been loaded onto the card and the cardsare available for cash withdrawals.

The options for use for Local Authorities are numeroussuch as, benefit payments, school clothing allowances,grant payments, asylum seeker payments and othersocial payments. By making these payments in this wayit is potentially a much cheaper option than cash andcheque payments. It makes cash readily available tocustomers who may have no access to a bank accountor may need an emergency payment.

Another option for prepay cards internally is for travel. Ifyou have employees that may need to travel either withinthe country or abroad would be issue then a preloadedcard to cover their hotel and incidental expenses. This isan easier option than the employee spending their ownmoney than put in expense claims and the cards can betopped up each time the employee travels.

allpay

Peter Brownbill Head of Prepaid Card Sales at allpaywill present on allpay Prepaid Cards

Modernise your payment methods and processes with a NEW cost-effectivepayment solution. Prepaid Cards from allpay enable organisations to havemore control over the distribution of their funds, moving away from costlycash, cheques & vouchers.

Just some of the benefits to your organisation:• Supports financial inclusion• Saves money • Improves control • Improves security

Just some of the benefits to your cardholder:• Available to all regardless of financial status• Freedom to shop anywhere• Controls spending• Real-time balance information• Safer than cash

Prepaid Technologies Ltd issues the allpay Prepaid MasterCard.

The electronic money associated with the allpay Prepaid MasterCard isprovided by PrePay Technologies Limited, a company authorised andregulated by the Financial Services Authority. PrePay Technologies Limitedis a registered Service Provider of Clydesdale Bank PLC.

[email protected]


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Card SchemesIn the UK the majority of commercial and pre-paid cardsare branded products from the Amex, MasterCard orVisa stables and Arval for fuel cards

Business Payment Cards come under a variety ofnomenclatures, Corporate, Charge, Procurement, Lodge,Purchasing, Pre-Paid and Fuel Cards being just some aswell as a variety of specialist Payments Cards. The term‘Card’ is in itself somewhat misleading because many ofthe products now becoming available offer much morethan just a piece of plastic. Indeed it is perfectly normalto run a card programme without any cards.

Increasingly we are seeing Issuers and specialistcompanies offering a whole range of flexible purchasingsolutions built around payment card functionality whichcan provide pre-purchase controls on the one hand andelectronic delivery and manipulation of statements andmanagement information on the other.

Closed loop and hosted cards are terms for card usagewhere purchases are restricted to particular suppliersnominated by the buying organisation.

Arval

Arval is the leading fleet and fuel management companyin Europe with over 35 year’s industry experience.

In the UK, we have over 1.2 million fuel cards in circulation and through thesecards we process over 50 million fuel purchase transactions every single year.

Fuel cards allow companies to control and reduce their fuel expenditure aswell as monitoring CO2. Arval fuel cards are accepted at more than 95% ofmajor fuel stations throughout the UK via the AllStar network which meansthat drivers are never far from somewhere to fill up. Our cards can also beused to purchase a range of vehicle-related goods and services such asmaintenance, car wash and breakdown.

Presented by Bernard TomkinsBusiness Development Manager Public Sector

[email protected]

AirPlusInternational

Your partner for payment and analysis of your business travel expenses

AirPlus International sets the global standards in integrated payment andMIS solutions, helping over 32,000 corporate customers worldwide optimisetheir travel expense management. AirPlus offers flexible and measurablesolutions that are instrumental in increasing the accountability, efficiencyand security for clients in both private and public sectors, helping them gainmore control over their T & E spend through streamlined processes andunique travel data analysis and reporting.

At a point in time when procurement processes are being scrutinised and travelpolicy compliance and supplier negotiations are being re-examined, there is agreater demand for smart payment solutions that lead to real cost savings andbetter optimisation of company resources. When BT - one of the world’s leading

providers of communication solutions needed a global payment provider tostreamline its corporate card operations, it looked to AirPlus for both its lodgedand corporate card solutions. Since switching to AirPlus, BT has been able tooptimise its processes for handling expense claims of 60,000 regular travellers,reduce company risk and uncover true savings potential.

By demonstrating the ability to improve the efficiency of customers’ internalprocesses and recognise customers’ full savings potential, AirPlus has beenrecently awarded a Framework Agreement with Buying Solutions, validatingAirPlus’ capability and product offering to all public sector organisations inthe UK. As the largest issuer of UATP, AirPlus settles flight tickets from morethan 260 airlines. Its standing in the marketplace has been acknowledgedthrough some of the highest accolades in BTM, including the 2009 BuyingBusiness Travel Diamond Award for the “Best Corporate Card Provider”. Atthe forefront of its award-winning product portfolio lies a strong commitmentto innovation, greater transparency, enhanced data quality and research.

Presented by Gaynor MartinBT Global Corporate Card Manager

and Rachel BurgessAirPlus International [email protected]

American Express(Amex)

Presentation of their broad and innovative paymentsproposition to Public Sector organisations

American Express is the global leader in Card Payment solutions, our corebusiness. We have specialised in Card Payment solutions, PurchasingCards, Travel Cards, Lodge Cards and Commercial Debit Cards for over 24years in the UK and for over 43 years globally. With over 60,000 employeesworldwide and offices in over 190 countries, American Express hascoverage that is second to none. We are at the forefront of developingtailored and market leading solutions for our clients and we are able tooffer a full suite of solutions and resources to ensure your programmeexpectations are delivered. Our solutions empower users, enforcecompliance, streamline processes and deliver savings. Our industry leading

management information gives a clear audit trail for all transactions.

American Express’s dedicated Government Team have extensiveexperience, from Sales and Acquisition to Implementation and ongoingAccount Management for both Clients and Merchants Our Consultativeapproach with each and every client ensures that our Card programmesdeliver exactly what is required. Using Six Sigma methodology, we willcontinue to explore potential programme improvements and efficienciesthroughout the life of your programme. Our strategic alliances with ConcurExpense Management and our acquisition of GE Money, and its VirtualPayment Solution vPayment and also our Declining Balance Card Solutionsare clear indicators of our commitment to remain at the forefront of CardPayment Solutions. These new solutions further enhance our marketleading position. We continue to develop new products and solutions inorder to deliver to our clients the most cost efficient and effective solutions.

For further information, please contact Mike MoylanGovernment Team Manager

[email protected]

E-invoicing and OCR SolutionsThese solutions once set up are extremely efficientand can lead to significant cost saving due to thepotential numbers of staff required to processinvoices, as in the main the staff are only dealing with the exceptions.

Most of these systems offer self-learning OCR solutions,which "learn" as the invoices are scanned, they look forall the obvious fields that you would expect on aninvoice. These include, company name and address,invoice number and date, vat number, vat amount, grossand net amounts. It identifies these fields and the firsttime an invoice is scanned it offers a “best fit” for thatinvoice for that vendor. The first step is to verify what hasbeen offered or adjust/match the fields, once the invoicehas been verified the next time an invoice is scanned forthat vendor it will match.

These systems also come with their own flexibleworkflow solutions and one central screen, which displaythe status of all the invoices in the system.

Once scanned the invoice posts into SAP and based onpre set matching criteria certain actions will happen, if itmatches the PO exactly it will be available to pay.

If it doesn’t match the purchase order, it will block,workflow will start and route the item to the creator ofthe PO for them to either accept or reject. If they acceptthe differences, the invoice will unblock and becomeavailable for payment. If they reject the invoice they willbe prompted for a rejection reason and it will then be workflowed back to accounts payables for them to deal with.

Again this will work best if the business is issuingpurchase orders for the majority of its spend as that willincrease the automatic matching this is dependent onthe vendor has quoted the PO number on the invoice.


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Cogent Consulting

eInvoicing & OCR integrating with SAP

Whether you implement an e-invoicing service or a scanning and OCRsolution, the time it takes for an invoice to be available for payment isdrastically reduced. The AP team only deal with the exceptions and themanagement information will identify non-compliance by vendor andemployee, which enables continuous improvement to the no touch process.

The objective of e-invoicing services and OCR solutions is to take electronicdata into SAP and automatically post invoices that pass 3-way match checks.

For invoices that require intervention due to price differences, receiptconfirmations or account coding, the solutions allow Accounts Payable tocontrol the interaction with business users.

Business users are notified of exceptions via an email to their Corporateemail in-box and can access their workflows via web pages, SRM, Portal orR/3 with access to the invoice image available throughout.

Throughout the process statistics are kept by document, vendor, postingtype, error reasons and business user to provide reporting that supportsContinuous Improvement both internally with business users and externallywith suppliers.

Suppliers should be also allowed to send invoices in the format of theirchoice, so today’s e-invoicing services will accept paper invoices, pdf email

attachments, XML, EDI, CSV and any other electronic file formats. Alldata/images are then transferred securely to the customers SAP systemand Accounts Payable deal only deal with invoices that do not post first time.

The scanning and OCR systems can also provide this functionality, but thedifference is Accounts Payable have to deal with the entire process in-house.

Today’s e-invoicing services and scanning and OCR solutions also providewider benefits in procurement by providing visibility across the P2Pprocess. This helps users identify smarter purchasing processes,particularly for non-stock items and services.

The technology is helping customers in the public and private sectors toreduce the time it takes for an invoice to be available for payment andgenerating significant cost savings through efficiencies.

Why stop at automating accounts payable? Once installed, the sametechnology platform can be used to manage Purchasing Card transactionsin SAP including workflow to adjust coding and obtain approval. Additionally,the same platform can perform matching of supplier statements.

Solutions are available on a pay-as-you-go service with no capitalexpenditure as well as one off software implementations.

Cogent Consulting provide P2P solutions to SAP users including e-invoicing services, scanning and OCR solutions, P-Card solutionsand document management to SAP users in the UK and Europe.

Presented by Daniel [email protected]

Royal Bank of Scotland

E.Invoicing solution presentation

Ian Watkinson, Head of Product Innovation at RBS, will discuss how e-Invoicing brings significant cost reductions and increased efficiencies to both trade receivables and procurement activities.

[email protected]


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Electronic Card MI and Transaction Management SolutionsThere are a number of web based card managementsoftware solutions available. These offer thefunctionality from card management software youwould expect but with the flexibility for multi useraccess. A sample of the functionality available is

• Automatic cost code allocation on input of the file.

• VAT reclaim for level one vendors.

• Card and user profiles.

• Splitting of transactions over multiple cost centres.

• Various levels of transaction approvals

As they are web based it the opportunity for thecardholders to manage their own transaction, make anynecessary changes then sign off their transactions by approving them.

Once the transactions have been “signed off” by thecardholders their manager can then review thetransactions, monitor where the spend is being made,ensuring it is in keeping with the services they provideand if they are satisfied with the transactions they canapprove them. Once they have been approved at thislevel, they are then available for “posting” to the general ledger.

All the solutions will come with a suite of reports andmost will have the ability to create your own customreports and will produce an output file to feed into anumber of the larger ERP systems such as SAP and Oracle.

First DataCommercialServices

The Solution for B2B Payments

This presentation will look at the challenges we face in automating B2Bpayments and why to date there has been little success in replacing paperbased and manual processes. The summary will look at what the potentialsolution looks like.

Presented by Des CahillManaging Director

Sonya [email protected]

Published January 2010

• 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!

Card Payment Solutions - Issue 46

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Transcript of Card Payment Solutions - Issue 46