Enterprise Ireland – Best Connected -

Integral Computer Services provides card payment solutions for the retail, petroleum, banking and eCommerce sectors. Integral’s software and payment systems have been certified by all of the major banks in the UK and Ireland.

Products/Services
• Integral’s products include desktop and handheld terminal solutions, pc-based standalone or integrated solutions, and an online system which requires only a web browser and an Internet connection.
• Integral provides a hosting service for merchant’s various sites and provides a central platform for the delivery and distribution of card transactions, reports, dynamic currency conversion information and exchange rate files.

Key Benefits
• PayRouter is Integral’s large volume client/server card payment and transaction routing software, which has been designed for merchants with high levels of transactions.
• PayRouter will perform card appraisal, card authorisation and batch transfers to the merchant’s acquiring bank.
• PayRouter accepts all credit cards and is certified with major UK and Irish banks.
• PayRouter is scalable, secure and has a proven track record in retail environments.

Clients
AIB, EuroConex, Fexco, Shell, Maxol, Fintrax, Statoil, Global Refund.

Partners
VeriFone.

Tel +353 (0)1 231 1777

Web www.integral-ie.com

Address
Crofton hall, 22 Crofton Road, Dun Laoghaire, Co. Dublin.

CardBASE Technologies is provider of smart card management software and services to government, corporate, banking and healthcare markets. CardBASE provides smart card management systems (SCMS) and other smart card centric professional services in areas such as smart card personalisation and card printing, identity cards, key management, biometrics.

Products/Services
• CardBASE’s MASCOT: Software product is a completely integrated smart card management system to support cardholder enrolment, card issuance, ongoing card management and post-issuance updates for smart card applications.
• Smart card deployments in areas such as identity, healthcare, payments and security rely on card management systems to issue and manage cards.

Key Benefits
• Complete card lifecycle management solution supporting  payment, security and identity card applications.
• Highly scalable product from hundreds to millions of cards and cardholders.
• Fully integrated for desktop and large volume card issuance solutions based on Fargo, Datacard and Evolis equipment.
• Aids the achievement of regulatory compliance and good corporate governance.

Clients
Bank of England, Wells Fargo Bank, St George Bank, ValuCard Nigeria, British Airways, pWpW poland, Bracknell Forest Borough Council.

Partners
Visa, MasterCard, Entrust, VeriSign, precise Biometrics, Fargo, IBM, Oracle.

Tel +353 (0)1 284 3233

 Web www.cardbase.com

Address
BIM house, Crofton Road, Dun Laoghaire, Co. Dublin

CR2 is a provider of multi-channel banking software solutions.

Products/Services
• BankWorld enables financial institutions to create, manage and deliver powerful products and services to customers across multiple channels including Internet, mobile (SMS), ATM, POS, IVR, kiosk and branch.
• CardWorld offers a payment card infrastructure for banks and third-party issuers that includes merchant acquiring, payment switching, smart card systems, card production and card account management.

Key Benefits
• Increases customer loyalty and retention:
o Single point for managing customer limits and exposure.
o Enables banks to segment their channel offering to individual customers or customer groups.
o Consistent view of information internally and externally.
• Reduces costs:
o Maintains investment in existing systems.
o Reduced IT cost dependency for new service initiatives.
• Increases revenue:
o Consolidated database for CRM initiatives.
o Effective cross selling through targeting individual customers or customer segments.
o Implement branding and marketing messages targeted to a customer segment.
Fast speed to market:
o Rapidly deploy new products and services

Clients
Barclays Bank, ANZ Bank, Standard Chartered Bank, Standard Bank, Halyk Bank, Cairo Amman Bank, Burgan Bank, Rietumu Banka, Aizkraukles Banka, Jordan National Bank, UBSI, Co-Operative Bank of Kenya, National Bank of Kenya.

Partners
Diebold, NCR, Wincor Nixdorf and GRG.

Tel: +353 (0)1 433 9100

Web: www.cr2.com

Address:
CR2 house, Block 16, Joyce Way, park West Business park, Nangor Road, Dublin 12.

Card Commerce is an independent, highly focused provider of prepaid debit services. Card Commerce works as a trusted partner with leading financial services, retail and government organisations. Card Commerce’s industry-leading multi-currency payment platform, payplus OnDemand, is built to support all types of prepaid debit products including gift, savings, remittance, benefit and insurance schemes. Card Commerce’s end-to-end service supports partners from programme design through to customer acquisition and ongoing scheme success. Card Commerce makes prepaid debit work effectively, efficiently and profitably.

Products/Services
The Card Commerce business model has been developed to offer clients a turnkey solution. Card Commerce offers true end-to-end support to customers, from design of their prepaid programme to deployment and delivery. Card Commerce works with best-of-breed partners to deliver its service – from technology development and hosting to card design, production and localisation, and logistics management.

Key Benefits
• Speed to market with new prepaid product offers.
• Best of breed partner delivering a turnkey solution.
• Outsource business model, minimal impact on internal resources.
• Low cost, low risk approach to new product development.

Clients
Eason & Son, British Bookstores, Fields Jewellers, Apex hotels, Brown Thomas, Expert Electrical, Slieve Russell hotel, Sasha, Gamestop, Byrne’s Toystores.

Partners
Elavon (Europe’s 4th largest card acquirer)

Tel +353 (0)1 619 0040

Web www.card-commerce.com

Address
37 Baggot Street Lower, Dublin 2.

3v provides disposable prepaid VISA vouchers which, just like using a standard credit card, can be used to shop online via mail order or over the telephone.

Products/Services
• 3V Vouchers-disposable prepaid VISA numbers in Ireland, UK and Germany.
• Online prepaid credit card.
• Gift cards.
• Corporate gift cards.
• On line mobile phone top up.
• Online music downloads.

Key Benefits
• The product has been developed to eliminate “Card not present” fraud and virtually eliminates chargebacks for online merchants.
• provides customers with a secure payment method so that they can shop safely online, via mail order and over the telephone.
• Straightforward and low cost fee structure.
• Easily accessible through an extensive pan-European network (250,000 terminals).
• product requires no identity or ‘know your client’ checks subject to annual limits.
• Accepted anywhere VISA is shown.
• Available to anyone 16 years and over.

Partners
alphyra Group, permanent TSB Banking Group, 7 Digital.

Tel + 353 (0)1 679 7112

Web www.3v.ie

Address
Eblana house, 68 Marrowbone Lane, Dublin 8

alphyra is Europe’s largest independent cash acceptance network. alphyra implements and operates payment networks processing over 400 million transactions per year – with a value in excess of €12 billion.

Products/Services
Across a European network of 150,000 retailers, alphyra delivers payment services that drive greater efficiency for clients and increased revenues for retail partners. The product portfolio includes:
• prepaid mobile top-up.
• Credit / debit card processing.
• Utility bill payment.
• Money transfer.
• Stored value solutions.

Key Benefits
• Operating delivery systems in the stand-alone, integrated and wireless environments across a wide variety of industry sectors, alphyra deliver innovative value added transaction services to customers worldwide.
• alphyra enable businesses to provide a better, simpler and faster service to their customers via trusted and secure payment networks.

Clients
Alphyra works with some of the leading blue chip companies in existence covering a wide range of industry sectors including financial, utilities, retail, pharmaceutical and technology. Clients include Vodafone, T-mobile, Orange, h&M, Carrefour, AIB and Schlecker.

Tel +353 (0)1 217 8700

Web  www.alphyra.com

Address
Alphyra house, 4 heather Road, Sandyford Industrial Estate, Dublin 18.

FEXCO provides a range of services including payment solutions, business process outsourcing, financial services and online travel and leisure reservations.

Products/Services
• Payment Solutions
- Western Union money transfer
- Bureau de change
- Corporate payments
- Dynamic currency conversion
- Corporate and consumer VAT refuds
- Pre-paid gift and spending solutions
• Business Process Outsourcing
- Contact centre solutions
- Back office processing
- Data processing
• Financial Services
- Stockbroking and pensions
- Global investments and asset finance
• Online Travel and Leisure Reservations
- Global hotel reservations
- Worldwide car rental reservations

Key Benefits
• FEXCO Payment Solutions makes payment processing easy and cost effective for consumers, companies, governments and merchants.
• The Business Process Outsourcing division delivers real value to a wide portfolio of public and private sector clients using best practice fundamentals centred on quality, innovation and continuous improvement.
• FEXCO Financial Services provides a range of niche financial services in local markets.
• FEXCO All Travel is an online travel and leisure division.

Clients
An Post, The Department of Finance, ESB, National Treasury Management Agency, Western Union, Diageo Coca-Cola.

Partners
An Post, Bord Failte, AIB, HSBC, Ulster Bank, Barclays, Western Union International, Global Refund AB.

Web www.fexco.com

Tel +353 (0)66 976 1258

Address
Iveragh Road, Killorglin, Co Kerry.

SBS Group formerly known SG World International specialises in intelligent software solutions in B2B health and safety such as visitor & contractor management, meeting room management, Visual Identification, inspection of equipment suites & financial systems.

Products/Services
• Security System service: the development of facilities to manage registration & badging of visitors, contractors and temporary staff, ID card software & printing systems. ID accessories.
• Health and Safety: Inspection Systems for key equipment including scaffolding arrays, forklift equipment, pallet racking, ladder inspection.
• Administration: Software allowing for the management of meeting rooms, PPE management, incident reporting.
• Tailored Financial Administration Suite: laser & computer cheque printing, Non Computer Cheques, among other financial solutions.

Key Benefits
• Highest health and safety compliance standards.
• Reduce administrative burden across a range of business activities and sectors.
• Free up staff to concentrate on other key areas of business.
• End-to-End security software development service.
• All software badging solutions come with rewrite card options ensuring its kinder to the Environment

Clients
Citi Group, Kepak Group, Lucan District Credit Union, O2, AIB, United Drug, Tyco Healthcare and Bord Bia.

Web www.sbsgrouponline.com

Tel 01-6238080

Address
SBS Group, Unit 1J, Block 71, Park west Plaza, Dublin 12.