Gemalto's Solution for Banking and Payment
 

Mobile Apps:

We help financial institutions leverage the mobile channel to offer clients a secure mobile financial environment. Gemalto’s solutions enable various mobile services – such as mobile banking, payment and mobile marketing – that strengthen the relationship between your brand and your customers.

Trusted Service Hub

Banks, financial institutions, enterprises, transport operators and more generally digital service providers, need to deploy services quickly, efficiently and securely to as many users as possible​. While providing the upmost level of security, Service Providers such as Banks need to provide solutions to instantaneouly enroll new Mobile customers, regardless of the device they use or their network service provider.

Benefits for Services Providers

That’s why service providers are connecting to our Trusted Service Hub to make service deployments fast and trusted thanks to a range of instantly available benefits:​

• Reach. Access a comprehensive portfolio of smartphones, with millions of installed secure elements, running on mobile networks around the world. The solution includes over one hundred million multi-tenant NFC SIM cards ready to protect and manage sensitive credentials​.
• Instantaneous. Mobile users want new services to be up and running right away, just like installing an app. For Mobile Payment, the issuance of a Tokenized card with TSH meets this demand for instantaneous enrollment.
• Future Proofing. Protect your service investment with a solution that supports a comprehensive portfolio of devices, works with established and field-proven TSM solutions and emerging security frameworks for digital transactions and user authentication.
• Simplicity. Easily connect with a rapidly growing ecosystem of service providers, MNOs and other security enablers with a single one simple contract arrangement with Gemalto to speed up deployments.
• Versatility. Choose the appropriate security framework that’s right for your service, this includes secure elements (both SIM and embedded options), Trusted Execution Environment (TEE) technologies, and emerging tokenization standards.

Benefits for Secure Element Issuers

Our Trusted Service Hub generates benefits for SEIs as well as service providers. The highlights include:

• One Engagement Point. Connect just once to enrich your service portfolio with access to many providers across the world.
• Reduce Costs. Bring down cost of fixed infrastructure and acquision of service partners.​​

Tokenization Service for Payment

Gemalto Tokenization Service at a glance​​​​​

Gemalto Tokenization Service is a versatile and turnkey service, covering HCE-enabled handsets, the management of credentials on Secure Elements, Trusted Execution Environment (TEE), or a combination. It can be used for NFC payment and e-commerce​.​

It is part of Gemalto Trusted Service Hub (TSH) and is intended for banks and financial institutions who want to easily and securely deploy mobile payment services to the maximum number of their end users.

Gemalto's Tokenization Service comprises a Provisioning Service and a Mobile Tokenization Gateway​. With minimal impact on banks' infrastructures, these two modules enable issuing banks to optimize their time to market when launching mobile payment services.

What’s in it for you?​

Easy deploym​ent

• Simplify and expedite your launch with a full turnkey solution from issuance to provisioning, with the premier trusted partner in mobile payment
• Digitize your complete card portfolio with us, including all international payment brands such as Visa, MasterCard, Amex, domestic schemes and white label EMV

E​​​nd-to-en​d security

• Gemalto Expert security analysts help make the right choices for your needs
• Benefit from​ the broadest array of security options to protect your solution and control risk

Reliability an​d scalability

• Grow as fast as you can, knowing you are covered by the most reliable and scalable technology
• We have been serving the world's largest issuers for three decades​

Glob​​al reach and local support

• Geographical coverage with offices in over 40 countries
• 4 international data centers in Europe, Asia, North America​​

Messaging & Operator Billing

Netsize uses its leading position as SMS aggregator to connect MNOs to brands, merchants and retailers in order to deliver and monetize mobile content and services, as well as build close marketing relationships with the end-user.

We use our Application2Person messaging services to:

Promote – Use the SMS channel to send information to your database about new services, special events, products or bank holiday opening times, for example. SMS produces engagement rates 6-8 times higher than email. (Source: Cellit)

Alert –Forgotten doctor's appointments costing the British National Health Service £700m could be avoided with the simple sending of a reminder to the patient, while banking notifications alert the end user to changes in their account or low credit. Banks can even send new PIN codes by SMS.

Retain – SMS can now be used as an immediate way to offer CRM and poll services. Netsize offers a new interactive product where brands and merchants can enter into a 2 way conversation. Depending on the answer given, a new question is sent to delve a little deeper. Netsize can help brands manage the all important Net Promoter Score.

Charge – Direct carrier billing solutions provide merchants and service providers with great options for mobile payment for digital goods, offering the best possible conversion rates in just a few intuitive clicks. With no pre-enrolment, the end user clicks to buy and is sent to the payment page. They need only to "confirm" the purchase and the amount is charged to their mobile phone bill at the end of the month. Netsize offers a unified, customized payment page and manag​es the payment flow to ensure everyone who should be paid gets paid.

Netsize also can help operators to host and manage premium and messaging services for their merchant and consumers, to take the sting out of setting up new infrastructure. Netsize Operator Services offers speed and flexibility to quickly launch new services.

Mobile in numbers

Sources: World Population Clock, GSMA Intelligence, Gemalto

For every 100 person, there are 93 mobile subscriptions.

Mobile Banking

Mobile Authentication

Ezio Mobile s​​uite: Use the mobile phone to secure all your digital channels​​​

The shift from online banking to mobile banking is no longer a trend, it is a reality. According to KPMG, the total number of mobile banking users is expected to reach 1.8 billion in 2018. The mobile is shaking the entire financial ecosystem, bringing more convenience for the consumers with new use cases and services. The Ezio Mobile Suite helps banks to offer secure and convenient multi-channel authentication while staying compliant with regulations.

The Ezio Mobile Suite secures banks’ financial services including banking applications and mobile wallets. It offers strong authentication, easy-to-use across all banking channels. The Ezio Mobile Suite allows banks to protect not only mobile-based transactions but also those performed using other platforms such as web or desktops and ATMs. This is ensured by adding that extra layer of security such as strong authentication and transaction signature.

Ezio Mobile Protector

Ezio Mobile Protector is a Software Development Kit providing banks with APIs to easily implement multi-factor authentication and mitigate malware attacks.

Mobile ID

Revolutionizing access to online services for billions of people

LinqUs Mobile ID provides a universal and secure single means of authentication to a wide range of online services from e-merchants, banks, enterprises and public bodies.

As internet activity grows exponentially, people are experiencing painful digital journeys, having to deal with multiple usernames and passwords, with no trust in the security of their online identities and privacy.

Gemalto's LinqUs Mobile ID offers universal online authentication​​​

Mobile ID provides the missing link between security and convenience, removing your customers' frustration, delays and vulnerability when authenticating to online services. Watch this short video to discover more:

LinqUs Mobile ID allows your customers to access online services in a private, trusted and secure environment. It enhances privacy protection, reduces the risk of identity theft and simplifies login to a large range of online services.

A very user-friendly authentication journey

With LinqUs Mobile ID, online users can now easily and securely authenticate, confirm transactions and payments, and digitally sign documents. They simply have to enter their phone number as their unique username, and upon receipt of an context-aware instant push notification on their mobile phone from the service provider, they can complete the process by simply tapping on the 'OK' button displayed, or by entering their unique personal password, depending on the level of security required by the service.

A very user-friendly authentication journey

Digital Payment Services

The world of payments is ready to embrace the growth and new usages offered by Mobile devices. New technologies, standards and applications are emerging to create a vibrant, fast-evolving marketplace with significant opportunities for payment innovation for both banked and unbanked markets.

Success in mobile payments relies on the ability to maintain a relentless focus on the end-user experience. That means orchestrating solutions that offer:

• Speed and convenience: mobile payments must be easier than cards or cash
• New services: discounts, VIP treatments, promotions, early access, inside information for more value
• Complete security: with powerful protection processes that instil total confidence
• Total freedom: pay for anything, anywhere, at any time, by any method
• Future enhancements: stay ahead of the curve with new applications and services

O​rchestrating Mobile Payment

Gemalto provides three interconnected solutions let you develop, deploy and manage exciting new mobile payment services with dynamic security at any transaction scale to suit every business model:

Security Solutions

Gemalto provides a range of security solutions to support every type of payment infrastructure.

• Multi-Tenant SIMs
• Embedded Secure Element
• Micro SD
• Trusted Execution Environment
• Tokenized payment credentials

Who We Support

Gemalto solutions are optimized to support service providers as they build, launch and manage trusted, revenue-generating services. We help:

• Banks
  Grow revenues with secure mobile transactions and new, trusted, innovative mobile services that promote your brand through digital channels
• Retailers
  Generate new transactions with differentiated services while cutting costs with lower fees, reduced operational friction and increase spend through more traffic and repeat purchasing.
• Transport Operators
  Reduce ticket issuance and subscription management costs
• Mobile Network Operators (MNOs) and device makers
  Leverage on their security frameworks to offer payment services.

eBanking & eCommerce:

The evolution towards digital banking and the extension of banking and payment channels open up new revenue paths and service channels for banks. Gemalto's Ezio solutions for eBanking and eCommerce help banks take advantage of this digital transformation by ensuring customer trust and regulatory compliance.

By offering frictionless and convenient strong authentication combined with risk management, Gemalto's eBanking solutions protect online banking customers from external attacks and guarantee an ideal balance between a user-friendly, and secure online experience.

Achieve bank digital transformation with layered eBanking security: multi-layer security for convenient and secure eBanking services​

About eBanking

The digital transformation for banks does not just mean going paperless and saying goodbye to the physical branch. Above all else, digitalization is about offering an improved and smooth user experience to consumers, delivering services in a faster and more efficient way, and ensuring a secure omni-channel experience.

As new and disruptive co​mpetitors are entering the market, financial institutions have to move away from the traditional banking model and embrace digital transformation.

To take up the challenge of digital transformation, banks will have to focus on 3 strategic axes:

• Improve convenience for the consumers
• Increase security to build trust
• Comply with regulations

Gemalto's Ezio Suite of products for eBanking and eCommerce security allow bank to achieve their digital transformation by reinforcing customers' protection against cyber-attacks and offering a frictionless user experience across all digital channels and use cases.​

Discover how Ezio secures​ your customers' everyday life

Watch this video to see how the Gemalto Ezio Suite of products ensure security and convenience anytime anywhere for all digital banking consumers.​​

Mobile Authentication

Ezio Mobile s​​uite: Use the mobile phone to secure all your digital channels​​​

The shift from online banking to mobile banking is no longer a trend, it is a reality. According to KPMG, the total number of mobile banking users is expected to reach 1.8 billion in 2018. The mobile is shaking the entire financial ecosystem, bringing more convenience for the consumers with new use cases and services. The Ezio Mobile Suite helps banks to offer secure and convenient multi-channel authentication while staying compliant with regulations.

The Ezio Mobile Suite secures banks’ financial services including banking applications and mobile wallets. It offers strong authentication, easy-to-use across all banking channels. The Ezio Mobile Suite allows banks to protect not only mobile-based transactions but also those performed using other platforms such as web or desktops and ATMs. This is ensured by adding that extra layer of security such as strong authentication and transaction signature.

Ezio Mobile Protector

Ezio Mobile Protector is a Software Development Kit providing banks with APIs to easily implement multi-factor authentication and mitigate malware attacks.

Authentication Server:

Ezio Confirm Authentication Server: The foundation for secure and convenient digital banking​

Digital banking is changing fast with ever-evolving standards, new threats and demanding consumers. Gemalto's Ezio Confirm Authentication Server (CAS) is a high-performance authentication engine which allows banks to protect their customers' identities and transactions at all times. Able to support multiple technologies and devices, this field-proven solution is the bedrock of secure and convenient digital banking services.

Simple and easy deployment & operations

This server works with multiple operating systems and server configurations and modules support industry standard protocols for seamless integration with existing bank architectures. Admin and User features are available through Web Service REST API. It allows banks easy integration in their existing portal, further admin and user features​

Why complicate thin​gs when what’s important is getting the right tokens to the right customers – fast. Enjoy a quick and simple token integration with Ezio CAS.​​

Field-Proven

​The Ezio Con​​​firm Authentication Server authenticates millions of online banking and e-commerce users every day, authorizes remote access and internet transactions and protects sensitive data from fraudulent online attacks. Various devices can be used, in combination, to provide a secure, yet flexible authentication realm. This allows banks to offer different channels - all being authenticated with the same server.

Secure Implementation

Ezio CAS has been designed and approved by both internal and external security audits. In addition, to provide the most advanced level of user identity protection, the software security module or an external hardware security module (HSM) is linked to an authentication server to store and use cryptographic keys. Using standard frameworks and protocols such as HTTP/HTTPS, authentication modules interact with existing data servers to maintain and update user authentication information. Multiple database options are supported.

Future Proof

Our solution is open and scalable and supports either an on premise or cloud deployment model.

With the Ezio Confirm Authentication Server as your authentication solution you can secure your current investment as well as technology roadmap for the future.

Multiple technologies

​​Ezio CAS is compliant with open standards and advanced authentication technologies. It supports both standard multi-factor authentication such as One Time Passwords (OTP) and Challenge/Response, and more advanced transaction verification and signing methods such as EMV/CAP/DPA, OATH and OCRA and the Gemalto patented Dynamic Signature technology.

Ezio Toolkit

The banking business is changing and the need for cutting edge security solutions has never been bigger. Leveraging on successful online banking deployments worldwide, Gemalto presents a flexible and versatile SDK and software toolkit for strong authentication – the Ezio Toolkit.

Ezio Toolkit supports major authentication technologies; standard multi-factor authentication such as One Time Passwords (OTP), Challenge/Response and Transaction Data Signature as well as device data management. It is based on open standards.

The Ezio Toolkit has been designed to support the changing needs of the online banking business. Its modular and scalable approach allows for fast and simple roll-out of two-factor based authentication devices – accelerating time-to-market and enabling a seamless integration to existing backend solutions.

Being part of the Ezio Suite, the Ezio Toolkit enables state-of-the-art online banking security easily integrated with existing back-end systems securing online banking authentication and transaction signing.

Multiple Channels And Devices

A key benefit of the Ezio Server is that it allows banks to pick and mix from our selection of channels and installations – from eBanking, mBanking, phone banking and from eCommerce to eBroker or Multi-Issuer setups. Or even as an Authentication-as-a-Service setup.

Thanks to its unique flexibility and the ability to support several authentication devices and solutions simultaneously, the Ezio Server allows you to easily segment your customer base to support different customer needs. It allows banks to assign different kind of security devices for different use cases based on risk profile, usage pattern and preferences.

Tech Specs

Identity assurance and access control

• Strong 2FA of OTP
• Multi-tenant ready architecture
• Comprehensive audit logging and reporting
• Clustering and load balancers support for high-availability and disaster recovery
• Application firewalls support
• Centralized web-based administration for managing the system

OS

• Red Hat Linux
• Windows 2012 and 2012 R2
• Windows Server 2008 R2

A Flexible solutions supporting open standards

• Supports a wide range of 2FA tokens, both hardware and software
• Lightweight Directory Access Protocol (LDAP)
• Remote authentication dial-in user service (RADIUS)
• Java application programming interfaces (APIs)
• Initiative for Open Authentication (OATH)

Authentication & signing methods

• OATH, OCRA (event-based, time-based)
• EMV CAP
• OATH Dynamic Code Verification
• Dynamic signature enhancements

Authentication & signing form-factors

• Mobile-based Authentication
  • SMS OTP
  • Mobile Token
  • Mobile Out-of-Band (Push Notifications)
• OTP Tokens
  • 1 button
  • PinPad
• EMV CAP readers
  • Connected or unconnected
• Dynamic CV cards and mobile

Webserver

• Apache Tomcat
• IBM WebSphere
• The chosen architecture allows "High Availability" and "Fail-Over" configuration relying on operating systems, databases and monitoring mechanisms.

Databases

CAS stores OTP related data and user data if needed (DB mode) in:

• Oracle
• MySQL
• IBM DB2
• MS SQL
• Firebird
• Any other SQL database could be supported through a specific development

User repository

CAS can be connected to the following LDAP when users' accounts are managed externally (mixed mode):

• Microsoft Active Directory
• Novell eDirectory
• Open LDAP
• Any other LDAP could be supported through a specific development

Authentication services interface

• Web Service REST API
• RADIUS requests
  • Microsoft NPS
  • ​FreeRADIUS
• AD FS

Security modules

• SafeNet Network API
• SafeNet PCI-E HSM​
• SafeNet Payment HSM
• Thales PayShield 9000
• Software Security Module

​Performance

• One Ezio CAS node supports 400 OCRA transactions per second

Dynamic Code Verification:

Ezio DCV​​: Mitigate online fraud while preserving the consumer's shopping experience​​​​​

Gemalto’s Dynamic Code Verification is a complete card-not-present security solution based on a payment display card, a mobile solution and a validation server. It replaces static cryptograms with dynamic codes, thus mitigating fraud linked to the use of static card numbers stolen online without any impact on the merchant’s infrastructure.

The Gemalto Dynamic Code Verification is the first complete and adaptable solution on the market. Banks can decide to deploy the solution on the mobile, on display cards, or with both components. The versatility offered by Gemalto Dynamic Code Verification allows banks to offer a relevant and secure eCommerce solution to their customers.

Ezio DCV Mobile

The Ezio DCV mobile solution allows your customers to store their cards and read the dynamic codes on their mobile phone. Customers can choose to secure their application with a PIN to add a strong authentication layer to the application.

• Stores your cards in a secure mobile application
• Allows you to complete simple and secure transactions

Optelio DCV Card

The Optelio DCV card is a classic EMV contactless payment card which displays a dynamic code that automatically changes over every 20 minutes without the cardholder’s intervention. Instead of the static code currently used to secure online purchases, the dynamic code is displayed on a small ePaper screen on the back of the card.

• Up to 125K Dynamic Code Verifications in 4 years
• Updated security cryptogram every 20 minutes

Ezio Confirm Authentication Server

The Ezio Confirm Authentication Server is a multi-channel, multi-token and vendor-agnostic authentication solution that supports all forms of authentication technologies, across all channels. It allows easy integration into banks’ authorization hosts and is protected by hardware security modules.

• Easy integration
• Field proven, comprehensive, scalable and cost-effective

Ezio OTP, CAP, and PKI Solutions:

Ezio OTP Tokens

Ezio onl​ine banking tok​​ens for authentication and transaction signing. Designed for your customers, fast to deploy and prepared for your next step. From the world leader in digital security.​

Ezio Flex Token

Ezio Flex is a wireless and user-friendly token that enables strong authentication and transaction data signing.

• Flexible and scalable security: from basic transactions with OTP to sensitive batches of transactions
• Dynamic Signature allowing mitigation of social engineering attacks
• Thin and compact form factor
• Intuitive use with direct access to frequently used functions
• Bluetooth Low Energy (BLE) connectivity
• Fully customizable to reflect the bank’s brand

E​zio Signer Token

The compact signing token allowing banks to scale the security of their online banking solution and mitigate up to the most advanced social engineering attacks

• Risk-based, scalable security: from simple OTP to Dynamic Signature
• Ultra-thin and compact form factor
• Intuitive use, direct access to frequently used functions
• Waterproof
• Fully customizable to reflect the bank’s image

Ez​io Pico

A signing token enabling secure online banking transactions and authenticat​ion, is highly scalable and can be adapted to fit any bank's business needs.

• Compact signing token
• Ultra thin and compact: 70.1 mm * 44 mm * 3.4 mm
• Weighs less than 15 g
• Compliant ​with OATH-OCRA​
• Customizable with branding possibilities

E​zio Lava

One-button token with great branding possibilities and available in two versions, time- or event-based OTP generation.

• One-button token with great branding possibilities for time-based OTP generation
• Light and compact and weighs less than 11g
• Time-or event-based OTP generation
• Customizable with branding possibilities

Ezio Display Card

Your new​ favourite card – with a single-button OTP token inside. Also available with payment functionality.

• Single-button or PIN pad display card token
• Personalization performed in one of our 21 EMV certified sites around the world
• End user fulfillment
• Graphical personalization possible
• Compliant with CE, UL, WEEE and RoHS

E​zio Talk Token

Accessible eBanking services for all.

• Versatile OTP device for strong authentication and transaction signing
• Designed to be convenient for people who cannot easily use small devices for eBanking operations
• Speech capabilities

Ezio CAP Solutions

Want to leverage your EMV deployment and your CAP infrastructure?

Ezio CAP solutions are standalone, based on proven standards, scalable, and can be extended to mobile banking applications and display cards.​

Ezio CAP solutions benefit from the fact that consumers are used to the chip-and-PIN technology to make purchases or cash ATM withdrawals. With an Ezio CAP solution in place, your customers can use their chip-and-PIN cards to authenticate themselves and sign transactions.

Ezio Thin

Ezio Thin is the thinnest card reader on the market. With a compact weight - less than 22g - and design, it is ideal for banking on the go.

Why Ezio Thin?

• Size of ​​79mm *57mm*4mm
• Supports Dynamic Signatures (DS) and Secure Domain Separation (SDS)
• Compliant with MasterCard CAP 2007, Visa DPA 2005, MasterCard PLA 2010 and AP​ACS upon request
• Scalable security
• Light and portable - weight 22 g.

Ezio Shield Pro

Ezio Shield Pro is a connectable reader offering a great balance between security, convenience and total cost of ownership for banks that already have chip-enabled banking cards based on the EMV/CAP standard.

Why Ezio Shield Pro?

• Can be used in connected or unconnected mode
• Supports Dynamic Signatures (DS), Secure Domain Separation (SDS), Sign-What-You-See technology (SWYS) and PKI operations
• Firewall mechanism - protects the card from unauthorized access
• Display with 4 lines of 17 characters
• Compliant with MasterCard CAP 2007, Visa DPA, PC/SC 2.01 Secure PIN entry and USB 2.0

Ezio Club

A non-personalized card reader that requires no customer installation. It offers scalable security and customization to reflect the bank's image.

Why Ezio Club?

• Supports Dynamic Signatures (DS) and Secure Domain Separation (SDS)
• Compliant with MasterCard CAP 2007, Visa DPA 2005, MasterCard PLA 2010 and APACS upon request
• Response code zoom feature
• Scalable security
• Light and portable - weight 50 g

Ezio Display Card

Your new favorite card - with a single-button OTP token inside. Also available with payment functionality.

Why Ezio Display Card?

• Single-button or PIN pad display card token
• Personalization performed in one of our 21 EMV-certified s​it​es around the world
• End user fulfillment​
• Graphical personalization possible
• Compliant with C​​E, WEEE and RoHS

Ezio PKI Solutions

Authenticate. Encrypt. Sign. In any form factors. Ezio PKI solutions keep your corporate assets safe.

Ezio Shield​ Pro

Ezio Shield Pro offers a great balance between security, convenience and total cost of ownership for banks that are already deploying chip-enabled banking cards based on the EMV/CAP standard.​

Why Ezio Shield Pro?

• Works in a connected or unconnected mode
• Supports Dynamic signatures (DS), Secure Domain Separation (SDS), Sign-What-You-See technology (SWYS) and PKI operations
• Firewall mechanism that protects the card from unauthorized access
• A display with 4 lines of 17 characters
• Compliant with MasterC​ard CAP 2007, Visa DPA, PC/SC 2.01 Secure PIN entry, and USB 2.0

Ezio PC Transparent Reader & Ezio PKI Cards

The Ezio PC Transparent Reader enables you to secure corporate banking with PKI smart-cards that support Windows, Win CE, Mac OS and Linux Operating systems.

Ezio Pc Transparent Reader Is Compliant With:

• USB 2.0 full speed certified (USB readers listed on usb.org website)
• CCID - Chip Card Interface Device 1.0 (USB & ExpressCard readers)
• ISO/IEC 7816-1,2,3,4:IC Cards with contacts
• EMV level 1

Ezio USB Shell Token

• Ultimate portability
• Unique device that combines card and reader
• Offers flexible and cost-effective deployment
• Full customizable casing

Ezio PKI ​Software Suite

Offers you a comprehensive solution from your application to your device.

EZIO eSIGNER

Ezio eSIGNER is an application software that is installed on the end user's computer and allows eBanking web​pages to perform strong authentication and WYSIWYS (what-you-see-is-what-you-sign) signatures. It is in compliance with certified frameworks such as Identrust.

Ezio Classic Client

Classic Client is a smartcard-based crypto-library software that brings portability and high level of security. It is an easily integrated system that delivers all key functionalities required for a safe infrastructure on all platforms.

Professional Services:

The Gemalto eBanking Professional Services Team has extensive experience from hundreds of global eBanking security implementations. We're here to help you.

Evaluation Services

Evaluation services help you define the requirements and collect information needed for deployment.

• Introduction workshop and analyses
• Requirement gathering
• High-level design and implementation specifications
• Proof-of-​​concept deployments

Usability Services

Usability services help you ensure you've chosen the right solution – a solution that your customers enjoy using.

• UX best practices seminar
• Target group studies
• Customer support workshop
• UX organization workshop
• UX design consultancy
• Communication
• content strategy
• Improvement analysis
• Project support

Software Integration Services

Software integration services help you design your solution, implement and validate before going live.

• Definition of requirements and project planning
• Solution design
• Software configuration and customization
• System installation and go-live
• System administration and operation training

Roll-out Services

Roll-out services help you roll-out within set timelines and budget while maintaining the right service level.

• Service management​
• Project and program management

Optimization Services

Optimization services help you operate the chosen solutions and evolve as your needs ​change.

• Health-check of your deployment
• Upgrade of your environment to keep it up-to-date

Cards & Payment:

Digital payment technology comes in many shapes​. You'll find them all at Gemalto. With EMV as the underlying technology, we supply a complete range of form factors to accomodate your specific constraints and business requirements, as an issuer of payment tools.

EMV™ Cards

Why most of ​​the world has already made the move to EMVTM​​​​ chip

Today EMV, the global standard for secure payments, has been deployed in more than 80 countries. Credit, debit, prepaid, and contactless cards, as well as mobile payments – all of these are now being secured with EMV.

Gemalto's E​​M​​VTM Cards

Gemalto's EMV contact and contactless cards offer is built on several levels of specifications and options. Clarista, Optelio & Desineo brands are the most deployed solution in the market.

Cl​arista is our entry-level EMV card, designed for basic payment applications. It is a cost- effective offer that combines Gemalto's security expertise and card personalization.

Optelio includes advanced payment cards that give financial institutions the option to go beyond payment, by adding applications to their cards. Gemalto's innovative solution offers an extensive range of the latest card applications to entice new customers and increase customer loyalty.

Desineo is our offer for fully customizable payment cards built in accordance with your specifications.

Why G​emalto?

For financial institutions looking for more than a card provider, we become a trusted partner, helping to navigate the twists and turns of EMV migration projects.

A truste​d, experi​enced partner
We understand the needs of card issuers because we've supported banks through decades of EMV issuance, working with over 3,000 financial institutions and issuing over 2 billion payment cards.

Customer servic​​e for the entire journey
Our support doesn't end with the first wave of EMV issuance. We're ready to support you through the entire lifecycle of managing your EMV program. And with deep expertise in mobile payment solutions, we'll help to ensure you're getting the most out of your mobile program for the road ahead.

Capacity and time to m​arket
As the world's largest provider of EMV solutions, we have the capacity to scale with your EMV needs better than any other card provider, which means you can achieve your time to market goals​

White Label Payment

PURE, a Gemalto White Label payment offer

PURE is an off-the-shelf payment application from Gemalto that is fully compliant with the EMV™ standard. It is designed for domestic schemes and private payment card associations looking for chip-based security and fast time to market.

PURE is a scheme-agnostic EMV application that private-label card issuers and national payment associations can use without the need to enter into a business agreement with another payment scheme.

PURE s​pecifications for ​​domestic schemes
With PURE, domestic schemes can define their own payment solution – including product lifecycle and roadmap, and certification rules – for a cost-effective off-the-shelf solution.

PURE for private-lab​el and mobile-payment issuers
PURE offers closed-loop card issuers the benefits of EMV combined with full control over their payment network, for the ultimate in convenience combined with state-of-the art technical features.

W​​hy Gem​alto?

Strong con​​sulting services in payme​nt systems:
With almost two decades of consultancy expertise in payment systems and 55 years of cumulative experience in EMV and NFC technologies, Gemalto has a dedicated team of senior EMV consultants to support the scheme and its members.

A trusted and expe​rience​​d partner
With more than 150 references in 52 countries, Gemalto is a trusted developer and manufacturer, able to quickly produce specific products for issuing members, creating traction in the industry around the world.

Fully com​​mitted ​​to our customers' needs
Gemalto has developed a complete, modular offer to fit all implementation scenarios. It includes not only specifications but also consultancy, assistance, card products, personalization tools, and provisioning and tokenization platforms for mobile, offering seamless, and timely deployment.

Domestic Schemes

PURE for domestic schemes

​​​​​​​​​​​​PURE is an interoperable and fully EMV-compliant white-label payment application that puts domestic schemes in full control. PURE gives domestic schemes full ownership of their payment solution, including product lifecycle, roadmap and certification rules, allowing them to articulate their own business model.

Domestic schemes have to persuade issuers to switch to their brands and address the needs of newcomers such as government services or fuel retailers, who want to offer innovative payment solutions to their customers.

Gemalto and its partners have set up an extensive suite of complementary solutions to address the different needs of the various members of the ecosystem. More than just a payment application, PURE covers the entire payment environment including certification, terminal applications, and dedicated consulting services.

PURE specifications and software

• PURE contact and contactless specifications
• PURE mobile NFC specifications (eSE, HCE and SIM)
• PURE contactless terminal kernel
• Security and functional test plans
• Consulting services by EMV experts

PURE Product, Solutions and Services

• PURE contact and contactless cards
• New form factors (Stickers and wearables)
• Mobile application
• Perso services
• Issuance solutions
• Token & Platform management for mobile payment​

Private Label Users

PURE for private label and mobile payment issuers

PURE is a unique solution for a scalable and cost-effective private payment networks that is quick and easy to deploy and enables innovative and advanced modes of payment.

PURE offers private-label issuers the benefits of EMV combined with full control over their payment network, for the ultimate in convenience and state-of-the art technical features.

• Cost effectiveness and easy deployment
• Independence and control
• EMV™ security and interoperability
• Innovative and advanced modes of payment

Contactless Payment:

The contactless wave is changing everyday life, everywhere

During 2​​​​015 over 1 billion contactless cards have been delivered in 77 countries around the world.
Consumers all around the globe are discovering how easy, quick and convenient it can be to use contactless cards, as well as mobiles and wristbands for everyday transactions in many different situations.

Why banks sh​ould go contactless
For banks, the two most powerful drivers to go contactless is market positioning and finding new sources of revenue. By offering the latest in payment experiences wi​​th value-added services, you can strengthen your competitive differentiation and build brand awareness. Contactless enables banks to capitalize on previously untapped cash markets – and on the trend that both the number of transactions and the total amount spent increases when customers use contactless cards.

What are the benefits for consumers & merchants
A contactless transaction can be up to twice as fast as a traditional credit card transaction and drastically faster than using cash – reduced queues and less hass​le for both consumers and merchants.

Contactless means value for all stakeholders: issuing banks, merchants and consumers. That is why the contactless wave is gaining momentum. Opportunities abound with new exciting wearable payment devices like rings and watches, new applications for instance in transport and major events, and new markets from the unbanked to millennials and previously cash-only segments.​

How it works

Did you know that all our contactless cards are EMV cards? All the benefits of EMV security standard with the added convenience of contactless technology.

Unlike older generations of banking cards with magnetic stripes, EMV cards use a smart microprocessor chip that not only secures the cardholder's credentials but also performs cryptographic computation to protect its communication with the Point-of-Sale (POS) terminal and the processing network.

Since the chips are virtually impossible to tamper with or clone, EMV cards are infinitely less vulnerable to counterfeit fraud than magnetic stripe cards. The EMV standard continuously evolves to include new security defense mechanisms, such as Dynamic Data Authentication (DDA). It is based on public-key cryptography, typically RSA cryptography. Each card contains a unique public and private key pair that is used during authentication. When prompted by the terminal, the card uses one key to generate a valid cryptographic code that is sent back to the terminal. This code is unique to that transaction and proves that the card is genuine. The terminal uses the second key to validate the code returned by the card.

In a contactless card or any other wearable device, the chip communicates with the POS through a short-range wireless communication technology. The card's microprocessor chip is powered wirelessly by proximity to the POS (up to 4 cm). Only a genuine POS with a genuine acquirer bank account can dialogue with a contactless card and proceed with an EMV transaction.

Why contactless pickpocketing is impossible

New technology is almost always follow​​​​ed by scaremongering stories, and contactless is no exception. Reassure yourself and your customers by getting the facts on common contactless myths – and how the technology actually works.

Wearable payment devices

With wearables slated to be the next big thing, everyone wants to be ahead of the curve. So we’ve devised offers that combine the convenience of a wrist-worn wearable with the speed of contactless payment to give consumers a convenient way to pay for their morning coffee, newspaper, lunch – or even their daily commute by public transport.

Offer for banks
Gem alto’s field-proven Optelio We arable MiniTag (and MicroTag) products have already been a big hit around the world. Join the banking innovation revolution by taking advantage of our Optelio banking operating system and a complete range of contactless applications. Optelio Wearable MiniTags (and MicroTags) are fully certified and ready to be easily inserted in any plastic wristband for swift deployment. For consumers who would like to enjoy a real mobile payment experience on their existing handset Gemalto has developed innovative product add-ons, designed specifically to complement existing mobile devices: Optelio Contactless Sticker ensures your customers their current handset is ready to make contactless payments within minutes.

• Optelio Wearable MiniTag and MicroTag
• Optelio Contactless Sticker

Offer for wearable manufacturers
Whether you’re a fitness band maker or a manufacturer of high-end luxury watches, you can trust Gemalto to provide the building blocks and support you in your integration to make your devices ready for contactless payment. These come in the form of an embedded module, an active chip and an active board, and are key elements of our Optelio portfolio of payment and transport applications. They’re available in different module formats, in passive or active contactless mode, to meet your individual requirements.

• Embedded Module
• Active chipset

Optelio Contactless MiniTag

Using contactless

What do consumers want from new methods of payment? The answer is almost always more convenience.
When we have a choice between different ways of making a purchase, we tend to move towards the option that's less cumbersome and easier to use. Today, more and more consumers are finding the next level of convenience in contactless payment – in all its different shapes from cards to mobiles to smart wearable devices. Just tap, pay and go.​​​

Millions of people have already adopted contactless technology, and by 2016 there is now more than 15 million contactless-enabled Point of Sale (POS) terminals worldwide. Usage differs from country to country, but growth is observed everywhere. In Australia for example, contactless transactions already account for 65% of the global amount of card transactions.

Contactless payment is a safe bet anywhere carrying cash is inconvenient – like at major events and festivals, when out and about in the city, on the beach, or in public transport. Once you've gotten used to the added benefits like faster transactions and reduce​​d queues, you don't want to go back.​

Payment Display Cards

Online payment and security
Consumers are increasingly getting concerns about media reports about internet hacking scams and data breaches. People are wondering how safe all these digital services truly are. Since it’s not an option to go back to times when hiding cash in a closet was common practice, we all must play a role in providing easy to use and robust security that gives consumers the confidence that it is safe to make digital transactions.

Fighting the weakest step in​​ the payment chain
Gemalto is leading the battle to deliver secure payment card technology that strenghtens security while remaining simple to use. Our Optelio brand of payments cards, which is being chosen by issuers around the world, is all about security, functionality and innovation.

It is designed to:

• attract new customers
• increase customer loyalty.

Opt​elio Dynamic Code Verification (DCV) card

Our next generation payment card improves security by removing the weakest link in the Card Not Present (CNP) payment chain. The card allows Issuers to show their commitment to bring its cardholders stronger security while strongly decreasing the CNP Fraud management costs they bear.

It is a classic contact or contactless EMV payment card that displays a dynamic security code, automatically changing over time without the cardholder’s intervention.

• This easy-to-use and intuitive technology replaces the static security code that consumers are familiar with:
• Optelio DCV’s time-limited code is displayed in a small ePaper screen on the back of the card and generated every 20 minutes. And because it is time limited, it significantly reduces the risk of it being stolen by a hacker.
• Optelio DCV brings the right mix between convenience and security, therefore cardholders will simply love it! This card will become the Top of their Wallet!

The card is part of the Gemalto DCV solution and is fully integrated with Gemalto’s other card services, including personalization, packaging, end-user mailing and fulfillment.

Optelio Dynamic Code Verification (DCV) card

The next generation payment card, improving the security by removing the w​​eakest link in the payment chain.​

Trust the Optelio DCV card

Gemalto has addressed CNP issues in its new Optelio Dynamic Code Verification (DCV) card.It enables issuers to deploy a solution that guarantees secure eCommerce transactions and a seamlessonline shopping experience for cardholders.

The Optelio DCV is a classic contact or contactless EMV payment card, which displays a dynamic code that automatically changes over time without the cardholder’s intervention.

Instead of the static code currently used to secure online purchases, the Optelio DCV’s is dynamic and displayed on a small ePaper screen on the back of the card. This dynamic code is time limited, which greatly reduces the risk of it being stolen by a hacker and used for fraudulent transactions.​

• Drastically reduces CNP fraud
• Unchanged cardholder experience
• Easy to rollout for issuers
• Four-year battery life

Complete solution​ (one-stop-shop)

The Optelio DCV Card is fully integrated with Gemalto's services, from card personalization and packaging to end-user mailing and fulfillment. The Optelio DCV card is part of a wider Gemalto eCommerce solution that targets CNP fraud. The solution includes Ezio DCV Mobile and the Ezio DCV Confirm Authentication Server. The Ezio DCV Confirm Authentication Server stores all user, card and device information. It validates the dynamic codes generated by the card and sends the result to the authorization host.

Card Features & Printing:

You can trust Gemalto to deliver on innovation, quality, sustainability and branding in every aspect of your cards business – from design to printing and even packaging

Get the WOW factor with innovative plastics
Cards don’t have to be boring and functional: Gemalto’s innovative plastics enable you to create vibrant and innovative designs that you can tailor to the diverse needs of your customers, whether they are traditional or modern, eco-warriors or fashionistas – or anything in between.

Think sustainably
Maintain your green credentials with Gemalto’s Bio Card. We’ll ensure that your entire issuance system is green thanks to our approach that combines high quality recyclable material with optimized energy consumption and minimized environmental impact.

Select the printing solution that’s right for you
Our printing technology allows you to customize cards for a small group of people – or for millions: it’s your choice! Choose from industrial printing for large series of cards or digital printing for smaller batches that meet your clients’ needs.

Innovate with packaging
Highly differentiated and secure packaging solutions made of lu​xury materials will reflect your strong brand values. We’ll help you to create innovative, off-the-shelf and tailor-made solutions that meet your brand needs.

Card Body & Finishing Options

Discover Gemalto's unbeatable range of card body technologies: graphic solutions to suit all your needs.

Services for Banks:

A simple user experience requires complex solutions to function flawlessly behind the scenes. We make it work. Leverage your investment by trusting Gemalto whatever the operated services you are looking for: credential services for Mobile Financial Services, authentication services for eBanking, or Banking & Payment Services.

​​​​With the current digital revolution taking place, Gemalto is committed to supporting its customers.

We enable banks – operating in a highly competitive and regulated environment – to offer trusted, convenient and state-of-the-art digital banking and payment services to billions of people.

Gemalto is dedicated to enhancing your customer-facing offering while improving your internal operational strategy.

We develop a complete range of services and solutions to support you in leveraging your key assets, enabling you to lead on the latest trends and accomplish your key goals:

• Engage with customers through multiple channels
• Drive new revenue streams through innovation
• Enhance security of digital banking
• Streamline performance and cost savings

Personalization services
Services that enable you to personalize your means of payment via Gemalto Personalization Bureaus.

Issuance solutions
Solutions that enable you to personalize your means of payment via your own Personalization Bureaus or directly & instantly on-the-spot.

Let’s innovate
Trusted digital banking and payment services that make payment even more accessible, convenient and personal for billions of individuals.

Payment as a Service:

Move with the times.

As contactless becomes the new norm, people everywhere are now starting to look for ways to enjoy easy tap-n-go payments - using their everyday items; watches, jewelry, waterproof wristbands, cufflinks and caps.

Are you also looking to offer a new digital payment experience on top of your products? Are you looking for a full service, ready and easy to be used by your customers and that can adapt to any type of environment? Gemalto helps some of the world's most progressive companies add certified EMV Contactless functionality to their product lines. It's time for you to join the movement!

Get it right.

The payment ecosystem is a complex arena where detailed knowledge of legal and regulatory requirements is a must. Being able to manage and issue payments means can require huge IT infrastructure investments and a high level of security expertise. To ensure that you get a solution that is easy to implement and enables you to achieve a high return on investment and solid customer acquisition levels, you'll need support from a firm that has th​e experience, knowledge and global scale to turn your plans into a reality.

Choose a trusted partner to help you launch new payment services onto your products – from early planning to delivery of the payment device.

Learn more about how innovative smartwatch company MyKronoz from Switzerland uses Gemalto to propose to their customers the next-gen of Contactless payments to make easy tap-n-go payment with their smartwatch, whatever their bank or credit card.

Gemalto's Allynis Payment as a Service solution

Gemalto offers a turnkey payment solution that is adapted to your target audience. Our approach majors on ease of implementation: there is no back-end integration. And, thanks to our easy-to-implement APIs, we give you the flexibility to build unique user experiences.

Our one-stop-shop solution provides all the building blocks you need to ensure your system is a success, including: hardware; integration support and end-to-end validation; provisioning services; delivery of the payment service; complete Payment as a Service hosted services; and compliance and relevant licenses.

With Gemalto you can focus on your key business success factors, and rest assured that we will look after every aspect of your payment deployment and help you optimize your time-to-market.

Let's Innovate:

Trusted digital banking and payment services that make payment even more accessible, convenient and personal for billions of individuals.

Gemalto is positioned as your ideal partner to leverage your key assets, master the latest trends.

We offer you trusted, convenient and state-of-the-art digital banking and payment services that enable you to stay ahead of the business curve.

Omni-channel Issuance
The universal solution for versatile payments​

All About Me
Designing a payment card with the photo of your customers’ choice is as easy as ABC.

PIN by e-channels
New card or renewal with innovative PIN distribution to consumers via electronic channels such as SMS, web, mobile app.

Card Designer
Create and manage artwork portfolios using digital tools that make the process simpler and faster.

Instant issuance
Solution which issues and activates payment cards on the spot so they are ready to be used there and then.

Fast card replacement
VIP service enables you to deliver a replacement card to customers in major cities anywhere in the world within 24 hours.

ID Verification:

Allynis ID Verification solution

A comprehensive identity verification solution for customer enrollment

Allynis ID Verification is the answer for financial institutions looking to deploy a fast, convenient, and compliant identity verification solution to prevent themselves from money laundring activities.

In the current regulatory landscape, global financial organizations must make significant investments in anti-money laundering (AML) and anti-terrorism controls leading them to follow a client identification procedure of Customer Due Diligence (CDD) or Know Your Customer (KYC).

Allynis ID verification automatically performs, in a few seconds, the three verification actions required to identify a customer and it also allows a real-time enrollment in any configuration. It is a fully flexible solution that can be easily deployed across subsidiaries and branches.

• Fully automatic identity verification
• Flexible and multi-channel

Why Gemalto?

Identity document verification requires expertise and a multi channel approach using the latest technologies to cover secure online enrollment and automatic form filling.

Gemalto is a trusted partner to manage ID verification projects with :

• The largest ID template database in the world
• A large experience in electronic identity document manufacturing and verification
• A proven global expertise in encryption, security and privacy schemes
• World wide customer references

Personalization Services:

Service​s that enable you to personalize your means of payment via Gemalto Personalization Bureaus.

Gemalto offers a complete range of personalization and related services for banks, retailers and transport operators.

Mean​​s of payment include a smart combination of:

• Form factor: Plastic cards, innovative plastic (metal cards, recycled PLA cards), display cards including Dynamic CVV, micro-SD, mini-TAG/micro-TAG for wearable devices (watch, wristband), embedded Secure Element for wearable devices, stickers, mobile NFC wallet.
• Technology: Magstripe, EMV (contact and contactless), transport.

Card personalization is a sophisticated process that involves careful handling of highly sensitive data. A dedicated process is necessary to ensure success and includes a complete infrastructure, organization, equipment and trained staff.

With more than 30+ global personalization centers that include advanced EMV certification, Gemalto offers local service with maximum flexibility, reliability and security from the moment the data is received all the way to the point at which the means of payment arrives in the user's hands.

Our stan​dard card personalization services​

Artwork solutions
Solutions that enable you to manage the printing of the artwork on the card

Data Management
Solutions that enable you to manage elements such as: secure connectivity, EMV data processing, key management, electrical and graphical personalization of the means of payment

Graphical Personalization
Graphical personalization involving any variable information printed on the card surface

Our Efficiency services

Vendor-managed Inventory
Service that enable you to manage your global annual cards order with a unique payment at the end of the personalization process

Allynis Issuance Manager
Service that enable you to access all information about your personalization activity online via an interactive portal

Business Continuity Planning
Service that enable you to anticipates​ any risks at Personalization Bureaus to ensure the continuity of your personalization activity​

Color Card Carrier
Ultra-high flexibility on carrier management with on-demand printing.​​

Our Specialized Services

Flexible change request management
Service that enable you to manage all types of changes throughout the personalization process, from data preparation to shipping/dispatch.

Remote issuance / fast card replacement
Services for VIPs. Service that enable you to deliver a replacement card in major cities anywhere in the world within 24 hours.

On-demand packaging
Flexible industrial process to insert cards in all kinds of non-automated packaging. Design a Premium packaging with Gemalto and we will manage the rest. Launch prepaid programs ​with high quality and security certified packaging.

New form factors personalization
Service that enable you to personalize plastic cards, innovative plastic (metal cards, recycled PLA cards), display cards including Dynamic CVV, micro-SD, mini-TAG/micro-TAG for wearable devices (watch, wristband...), embedded Secure Element for wearable devices, stickers, mobile NFC wallet.

Issuance Solutions:

Solutions that enable you to personalize you means of payment via your own Personalization Bureaus or directly and instantly on-the-spot.​​

Gemalto delivers advanced and highly customizable issuance solutions.

These help you to enhance customer loyalty and speed up activation as well as delivering new routes for customer acquisition, such as via personalized payment cards that are secure and available instantly.

We allow you to improve your management of issuance with superior software that monitors the process, interacts with a vast array of industry hardware and improves the efficiency.

Our issuance solutions are designed strategically with your current and future needs in mind. The result is an issuance solution with full functionality, clear management process insight; easy-to-use interface tools along with market leading security features.

Central and distributed issuance services and solutions
A complete solution that enables you to run your EMV personalization bureau securely and efficiently including all personalization steps such as key management, data processing, electrical and graphical personalization of the means of payment, multi-applications, graphics options.

Instant issuance solution
The quicker way to issue cards on site and to meet the needs of customers who want to open an account or quickly replace a card in minutes?.

Omni-channel Issuance
The universal solution for versatile payments

Prepaid Cards:

Convenience & flexibility

Prepaid cards represents an alternative mean of payment for permanent or temporary use and can be dedicated to a specific range of transactions. Most prepaid cards are anonymous: no ID/forms are required to subscribe. Their distribution is not limited to financial institutions. Prepaid cards may not be linked to a bank account. Only the amount loaded on the card can be spent, through multiple transactions. Top-up value can be added through online transfer or cash deposit, when they are rechageable. Some of them are disposable: use & stow.

The prepaid market is different

• Anonymous cards
• Wide diversity of customers and use
• New business model with the retailers
• New distribution mode
• New process of activation and reload
• Unpredictable prepaid program success

The security must be adapted

• Prepaid cards are the equivalent of cash money. but sold in any shop like a USB key or truth brush. Then the security has to be adapted and relevant for such value.
• No value when hang at a shop: the real value is activated only when the cashier get the money from the card holder.
• The Packaging must be tamper-evident: this doesn't means impossible to open (tamper-proof); if it has been opened once it must be visible so it can be unvalidated by the shop keeper, and nobody should buy it.
• The process of personalization, of packaging & storing must take place in a safe environment.
• Data preparation, transfer and processing is under the same level of confidentiality as for credit/debit cards.
• The packaging must follow the rules and be validated by the payment scheme.
• When a PIN printing is required, it must follow the strict rules of the payment scheme.

Needs

Prepaid cards are used in several situations. Generally speaking, the goal is to limit the spending, assure the merchant to be paid with this support, in all situations where cash is usually used. Different functionalities can be combined in a single card: it is the most common usage.

Commercial needs

• Payment Instrument: Debit like card for the un/under served, including teenagers. Alternative mean for already equiped population (internet purchases, back-up…).
• Gifting: Pre-loaded by the buyer, usable by the cardholder at a specific retail outlet or within a pre-defined network. Series issued for special occasions (Xmas, Wedding…).
• Events & Stadiums: Form factor (card, sticker, wrist band…) to be used for access management, transactions within the event premises, purchase of goodies and loyalty programs.
• Travel: Foreign currency cards for holiday money and exchange. Access to the loaded value via ATMs. Alternative to traveller's cheques and/or cash.

Public sector needs

• Transport: E-tickets to access public transportation, may be usable for small ticket payments.
• Parking & toll: Meter and RFID enabled cards for contactless collection of payments.
• Welfare programs: Public aids transfer including healthcare, unemployment & retirement insurance, child benefits and social support.
• Citizen Card: Identification cards and/or driving license associated with a prepaid payment functionality.

Corporate sector needs

• Payroll: Wages payment for workers with no local banking account and/or temporary contracts.
• Meal: Food allowance, mainly for lunch, provided as an employee benefit, valid in affiliated restaurants & outlets.
• Incentive Card: Rewards program for employees and clients, replacing vouchers and traditional gifts, for major holidays and special occasions.
• Corporate expenses: Real-time control of employee expenses, with no direct access to the business credit line. Spending can be limited by amount and merchant category (fuel, dinning…).

The acceptance network

Prepaid can be used in existing payment scheme networks, like Visa, Mastercard, American Express, JCB, Diners… in this case they are called Open Loops Cards. In many cases they are used in a private environment. Owned by a small shop or large retailer, they are closed Loop. A new system emerges: it is system are in between Closed Loop & Open Loop, called Restricted or Restricted Loop, Limited Network, Private Loop Network.

Open-Loop
Network-branded cards or national e-purse scheme:
no acceptance restriction, cash withdrawals allowed

Filtered-Loop
Limited to a mall, or few shops

Closed-Loop
Pre-defined acceptance points and limited merchant