Corporate Presentation
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CORPORATE PRESENTATION 2020 Copyright 2020, all rights reserved. PayCore, Payment Transformation Starts Here 35 COUNTRIES 185+ Clients 400+ PROJECTS Provided Globally 350+ STAFF 60% R&D and Engineering Staff 25+ PARTNERS 5 Support Centers Chicago London Dubai Warsaw Istanbul / Izmir • Sales Office • Sales Office • Sales Office • Sales Office • Head Office • Sales Office • R&D Center 2020 2 Since 2011, PayCore won the "Deloitte 37% of the actual credit card turnover Technology Fast 50 Turkey, Fastest in Turkey is managed by PayCore Growing Technology Company" award. Payment Solutions. PayCore increased its turnover One out of every three credit card by 90% in 2019. transactions in Turkey is managed by PayCore Payment Solutions. PayCore serves more than 35 14 different Smart City projects are countries, 12 of which are processing. governed by PayCore Payment Solutions in Turkey and around the world. 2020 2020 CUSTOMER SEGMENTS Financial Payment Service Telecom Institutions Providers Operators Provides payment Provides secure Loyalty and campaign systems management infrastructure and management for infrastructures to banks, operator services for customer acquisition financial institutions and payment systems. and promotion activities. e-money institutions as licenses or services. Card Printing Retail Sector Public Offices Institutions Card personalization Payment systems, Cash register POS, solutions. loyalty cards and fraud payment systems, and prevention solutions. transportation payment solutions. 2020 4 PAYCORE PRODUCT LINES Card Payment Digital Payment EMV Smart City Payment Hardware Payment Solutions Solutions Solutions Solutions Solutions Processing • Card Management • Soft POS & Pin on Glass • EMV Data Preparation • Transportation Operator • POS Networking • Issuing Services • Loyalty / Campaign • Wearable - Active / Passive • EMV Card Testing Suite Services • Remote Management • Acquiring Services Management • Digital Wallet Platform • EMV Transit Management • Stadium Operating Services Devices • New Generation ECR • Clearing and Settlement • PSP Payment Gateway • EMV Lifecycle Management • Prepaid Card Management • HSM Monitoring Devices Services • Transaction Switch • Secure Card Storage • EMV Level 2 Kernel • EMV Transit Management • HSM • Digital Payment Services • Mass/Instant Card • Host Card Emulation (HCE) • Training and Consulting • ECR Terminals • Card Printing • Transportation Services Personalization • EMV Tokenization • E-commerce Payment Gateway • Merchant Management • Fraud Detection / Prevention • Taxation Solutions 2020 5 PayCore Data Customer Data Cloud PROVIDING COMPLETE Center Center PAYMENT INFRASTRUCTURE Provides end-to-end Provides end-to-end Ability to serve on private services with infrastructure services with its business cloud platforms approved and processes which have continuity competencies by PCI-DSS Hosting PCI-DSS, ISO, VISA, and data security, which MASTERCARD and BKM’s have the service provider data security, business certificates of Visa, continuity and service MasterCard and BKM and provider certificates. meet the standards of PCI-DSS and ISO. 2020 • MASTERCARD • DENIZBANK • AKBANK • VAKIFBANK CLIENT BY REGION • ISBANK • ODEABANK EUROPE TURKEY • YAPI KREDI • BANK SOHAR • ZIRAAT BANK • AUSTRIACARD • GARANTI BANK • OPET • FINANSBANK • BP • THALES-SECURITY • THY • SHELL • DEUTSCHE TELEKOM • SODEXO • THALES-TRANSPORT • MASTERCARD-EU • TREVICA • FEIG • DEMIR-AZB • ADVANIDE CIS • ASB • IOR • YAPI KREDI AZB • AUSTRIACARD • MILLI KART • ETS • BANK OF AZB • NXP AMERICAS APAC • FIS – USA • FR – BANK OF BOSTON • BROADCOM • VALID USA MEA • MAGTEK • NXP • TABLESAFE • CBD • AVD • MYCARD • BANK SOHAR • AXIS BANK • AXIS BANK • EMCREDIT • NIS-ICT • CYNOVO • NI • BENEFIT • PILLAR TECH • THE GROUP • ISRAEL CREDIT CARDS • PAYCRAFT • TPS • NPCI 2020 7 CARD PAYMENT SOLUTIONS 2020 8 CARD PAYMENT SOLUTIONS Card Management • Management of various card products - credit, debit, prepaid cards. • Real time fees, taxes and interests from different channels. • EMV or proprietary magnetic, contact, contactless, cloud or mobile payment cards. • Transaction restrictions, velocity checks and required risk controls during online authorization Related Products: Card Management, Clearing and Settlement, Internet Payment Gateway, Fraud Detection and Prevention Transaction Management • Driving financial and non-financial transactions via POS, ATM, Kiosk or Validator. • Management and Monitoring of mass terminals networks including POS, ATM, Kiosk or Validator. • Transaction routing in between acquirers, issuers and network schemes, VISA, MASTERCARD, AMEX, DINERS, UPI, JCB. • Transaction authentication and authorization for magnetic, EMV contact / contactless, cloud or mobile payment cards. Related Products: Transaction Switch, Merchant Management 2020 9 CARD PAYMENT SOLUTIONS Customer Acquisition and Retention • Flexible loyalty and campaign management solution • Real time loyalty functionalities including points, miles, installments, RFM counters, discounts cash backs and vouchers. Related Products: Loyalty and Campaign Management Card Personalization • Instant card personalization solution for credit, debit and prepaid cards in branches or merchant locations less than 45 seconds. • Mass card personalization solution for card personalization offices or issuer banks • Vendor agnostic platforms on card plastic providers and personalization machine vendors Related Products: Mass/Instant Card Personalization 2020 10 CASE STUDY – TURKEY CARD PAYMENT SOLUTIONS YAPI KREDİ • Fourth largest bank by asset size and the largest credit card issuer in Turkey, • Operating internationally in the Netherlands, Russia and Azerbaijan. • Bank manages its card and terminal portfolio using PayCore Payment Solutions since 2014. Functional Renovation Infrastructure Renovation • Real time fees, loyalties and campaigns • High available system with rate of 99.99% • Ease of new card product development • More than 2.000 transactions per second • Faster service implementations • Average response time of 60ms • EMV contact, contactless, mobile support USAGE AND COVERAGE 46M 450K 150+ 120+ EMV Cards Payment Terminals Card Products Loyalty Programs 2020 CASE STUDY – TURKEY CARD PAYMENT SOLUTIONS İŞ BANK • Turkey's first public bank, ranked 102nd in the “Top 1000 World Banks” survey of Financial Times’ The Banker and 371st in the Forbes Global 2000 lists as of 2008. • The bank operates 1,011 branches domestically, giving it one of the largest branch networks in Turkey. • Bank’s international network comprises United Kingdom, Bahrain, Turkish Republic of Northern Cyprus, Republic of Ireland, Germany, Netherlands, France, Switzerland Shanghai and Cairo. Functional Features Prepaid Card Management • Prepaid Card Management • Debit & Prepaid • Credit Card Management • EMV & Open loop • Issuing Switch • Contact & Contactless • Card Management • General Purpose Prepaid • Loyalty and Campaigns • Gift Card • Clearing and Settlement • No name/ personalized • Dispute and Chargebacks • Wide range product definitions USAGE AND COVERAGE 350K+ 15M+ 12M+ 100+ 120+ Pos Credit Debit/Prepaid Loyalty Card Terminals Cards Cards Products Products 2020 CASE STUDY – TURKEY CARD PAYMENT SOLUTIONS ECR The Turkish Income Authority introduced new legislation in 2013 requiring Electronic Cash Registers (ECRs) to be connected to the Revenue Administration. Regulation addresses new generation POS terminals which have both Electronic Cash Register (ECR) and POS terminal facility. All transactions initiated from terminals are acquired by Trusted Service Manager (TSM) and transactions are sent to the acquirer financial institution and Income Authority at the same time. Bank Applications Value Added Services Multiple banking application Parking payment applications All financial and non-financial POS transactions Airtime top-up for telecom operators Bank brand sharing loyalty functionalities Food card payment service providers Restaurant order management system USAGE AND COVERAGE 129K+ 162K+ Payment Payments Terminals Application 2020 DIGITAL PAYMENT SOLUTIONS 2020 14 DIGITAL PAYMENT SOLUTIONS Easy Checkout During Electronic Commerce • Easy and secure payments for cardholders during online payments for electronic and mobile commerce. Securely storing tokenized accounts and updating card data captured from online consumers. • Consumers create an account once and then speed through checkout with a single login, without having to re-enter their card or delivery details at every visit. Related Products: Secure Card Storage, Digital Wallet Platform Payments using Connected Devices • Easy and secure payments using any connected device. • Wearable devices with contactless payment technology allow consumers to tap and pay. • Connected cars enable drivers to make secure payments from their entertainment system. • Home appliances entertainment systems with payment integrations. • Any device with an internet connectivity is a way to pay. Related Products: Soft POS & Pin on Glass, Wearables-Active/Passive, Digital Enablement Platform 2020 15 DIGITAL PAYMENT SOLUTIONS Mobile Financial Services and Payment Gateway • Customer and cardholder profiling and Secure Card Store based on PCI DSS standards. • Payment gateway for transactions initiated by mobile application, m-commerce or e- commerce domains. Related Products: Secure Card Storage, Payment Gateway Retail and In-Store Payments using NFC • Mobile users can use their NFC-enabled smartphone to make contactless payments. Using the same technology