Robert McKinley, Senior Analyst/Editor Robert McKinley, with 33 years experience covering payment cards and payment systems, is Senior Analyst/Editor for CardFlash and other payments-related publications. He is the retired founder and chief executive of RAM Research, CardWeb and CardTrak. McKinley served as an expert witness in 100+ litigations including two multi-$billion trials, testified before the U.S. Congress, chaired multiple payments conferences, hired as consultant by Fortune 100 companies and several overseas financial institutions. Full Bio:

UIC-FlagPay Terminal WinEpts Approved

Uniform Industrial Corporatio (UIC), a worldwide payment solution provider and FlagPay, an Italian company focused on payment solutions, have achieved the compliance for PagoBANCOMAT on the Terminal TS890, with focus on the Italian debit card scheme of Consorzio Bancomat. UIC, FlagPay and NCR have closely cooperated to make the TS890 available and approved into the NCR-WinEpts product family. WinEpts is a Consorzio Bancomat CB2 approved application, thus, the FlagPayTS890 terminal is going to be listed into the supported devices from NCR-WinEpts and Consorzio Bancomat. In this way FlagPay can provide a powerful and scalable payment solution to merchants based on the WinEpts products suite which allows payment acceptance not only through international acquirers but also through Italian operators that manages the domestic debit scheme.

RBS Deploys NCR SelfServ ATMs

NCR is helping the Royal Bank of Scotland (RBS) deliver convenient banking services for its customers. NCR’s Dundee Centre of Excellence is delivering advanced NCR SelfServ ATMs across the U.K. to meet RBS’s customers’ banking needs in new and more convenient ways. NCR will subsequently install more than 2,000 NCR SelfServ ATMs over the next 3 years, including a large percentage that will enable cash and cheque deposit alongside traditional cash withdrawal capabilities. The program will enable RBS to respond to the demands of today’s tech-savvy consumers by providing access to technology, such as advanced ATMs, on their terms. Another example of RBS delivering convenient banking services for its customers is a new innovative business zone deployed in partnership with NCR at RBS’s Dundee chief office. NCR installed its SelfServ ATMs with scalable deposit module (SDM).

Vodafone & GlobalPlatform Launch NFC mWallet

Vodafone announced the launch of its mobile wallet service that will enable customers to make a wide range of everyday transactions with a simple wave or touch of their smartphone. Vodafone’s mobile wallet is the first European mobile payment service built on the GlobalPlatform open standard, which makes it easy for organisations, including banks, retailers and transport companies, to host services in the wallet. The Vodafone Wallet allows customers to leave their cards and coins at home and manage their daily transactions efficiently and securely using their smartphone. In addition to enabling customers to pay for everyday goods, the Vodafone Wallet will also be able to hold travel cards, loyalty cards, gift cards and vouchers, complementing and over time replacing the plastic cards in a customer’s wallet or purse. Vodafone SmartPass, a service developed in partnership with Visa, is the first mobile payment app available for the wallet.

TawiPay Announces Remittance Fee Comparison

TawiPay is addressing decisive excessive fees incurred by remittance users, who pay an average 12% in fees. A fair transfer fee of 5%, proposed by independent organizations would save $3 billion inflow of money in the Sub-Saharan African countries by increasing competition in the transfer services market, and by making the already operating service providers more cost transparent. Four European entrepreneurs founded TawiPay with the objective of closing this unfair cost gap, having launched a clear, transparent and easy to use money transfer comparison website, showing users a reliable list of options to send money abroad. This is to decrease remittance fees dramatically and therefore allow more money to arrive abroad. Users can see all established money transfer services, their respective fees and money reception channels on a single page.

Visa Partners i2c on Prepaid Cards

Visa has announced a strategic alliance with global prepaid processor i2c, committing to the growing prepaid market in Asia-Pacific, Central Europe, Middle East & Africa (APCEMEA). As part of the alliance, Visa and i2c will support the demand for prepaid cards in the region with a focus on a wide-range of product offerings, such as Government Disbursement and Virtual prepaid. The global growth in the prepaid market is forecasted to rise by 44 percent in the next five years, between 2013 and 2018. i2c’s best-in-class, flexible prepaid processing platform will allow Visa prepaid issuers and partners to develop and manage the full suite of prepaid products throughout the region. i2c, a global prepaid processor that supports programs in the Americas, Europe, Middle East, Asia, and Africa, is committed to expanding in the APCEMEA region to provide Visa issuers and partners with robust, end-to-end prepaid processing solutions

BMA to Endorse First Data Banking

First Data Corporation announced that BMA Banking Systems has agreed to endorse First Data Online Banking to its financial institution clients. BMA provides banking software and processing solutions to financial institutions ranging from de novos to large industrial loan corporations.The agreement will provide BMA’s clients with access to First Data Online Banking – which includes personal financial manager (PFM), mobile and online bill pay services. The company will fully integrate the solution into its core banking platform.

Instant Approval and Instant Card

Sport Chalet and First Bankcard have teamed up to launch a new Sport Chalet MasterCard® that allows customers to earn more rewards and, in select stores, receive their card instantly. Initially, three of Sport Chalet’s California stores ” La Cañada Flintridge, Torrance and Pleasanton ” will feature a new technology platform that allows an actual card to be instantly produced for customers who are approved on the spot at the store. The other stores will all have instant credit available, which means customers can apply, be approved and begin shopping at Sport Chalet prior to receiving their card in the mail. The instant issuance technology is expected to be rolled out to other Sport Chalet stores in 2014.

Thales Deploys Royalgate mPOS

Thales announced ROYALGATE payment solutions deployed its “payShield 9000” hardware security modules (HSMs) to secure its PAYGATE mobile point of sale (mPOS) solution allowing businesses to easily process secure card payments for magnetic stripe and EMV-compliant contact and contactless payment cards. Micro-merchants, mobile businesses and tradesmen as well as larger business like restaurants, retail sites and event companies have been looking to take advantage of the explosion in card acceptance, leveraging cutting-edge mobile device technology. However, these businesses have lacked an easy-to-use, all-in-one solution that could convert any smartphone or tablet into a secure payment terminal. To solve this challenge ROYALGATE developed the PAYGATE card reader, which connects directly or wirelessly to any smart device and can read any type of card – magnetic stripe, contact chip or contactless chip.

Pay.On Launches Fraud Protection

Pay.OnFraud and chargebacks are a core issue and a significant challenge for acquirers, PSPs and ISOs. The threat is international and ubiquitous. Choosing, integrating and calibrating the right risk management solutions is just as complex. For payment providers, continuously optimising their risk management is essential; however, being able to stay on top of everyday business at the same time is virtually impossible. PAY.ON, leading operator of Web-based, omni-channel payment infrastructure systems, boasts all the necessary expertise thanks to working with leading risk management providers for over ten years. PAY.ON is now integrating this knowledge into the new security product ‘OneClickSafe’ to provide its PSP/ISO and acquirer clients with immediate, maintenance-free, state-of-the-art and secure protection against fraud and chargebacks at the click of a mouse. OneClickSafe has the right safeguard ready for each PSP/ISO and acquirer: In addition to the security barriers automatically included, the ‘Smart’ version offers a global blacklist for every merchant account, a plausibility check by BIN country code (country IP) and a duplicate check in real time. ‘Advanced’ offers all the functions included in the ‘Smart’ version, as well as an anonymous proxy check and a merchants’ account velocity check to identify and combat fraudulent merchant activity.

iSCTouch first for PCI PTS 4.0

Ingenico announced that its latest multimedia touchscreen payment terminal, launched in January 2013 (iSCTouch 480), has been the first to obtain the PCI PTS 4.0 certification, the highest level of security requirement. This certification, granted by the PCI Security Standards Council,focuses on increasing the robustness of devices by requiring compliance to the strongest technical standards for payment security. This certification applies globally.

Isis Launches Alliance Program for Merchants

Isis mobile commerce joint venture created by AT&T Mobility, T-Mobile USA Inc. and Verizon Wireless launched the Isis Alliance Program. The Isis Alliance Program supports merchant technology ecosystem partners with exclusive tools and resources to help them capitalize on the opportunities created by mobile commerce. The Isis Mobile Commerce Platform™ offers merchants the ability to deliver a richer, more personalized relationship with their customers through the Isis Mobile Wallet. It leverages the existing payments infrastructure, which means any merchant with a contactless payment terminal can accept payments via the Isis Mobile Wallet. Leading payment terminal manufacturers and software partners are integrating NFC mpayments and Isis SmartTap capabilities into point-of-sale (POS) offerings to ensure merchants can fully maximize the business opportunities created by mobile commerce.