Payment Services. Issuing Processing. Product & Service Portfolio for Retailers

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1 Payment Services Issuing Processing Product & Service Portfolio for Retailers

2 New card business models generate profit for retailers Generate additional revenue and improve customer loyalty A payment card program from your partner of trust, SIX Payment Services, can turn visitors to your store into buyers and make them regulars, returning repeatedly. Our offer consists of a wide range of premium services that drive more traffic to your business and enhance customer loyalty. In the forefront, SIX Payment Services can support your decision process with our in-depth marketing expertise and help you set up, reposition and market your very own card program. We help your card program to succeed all the way: from the technical card design to card issuing and POS acquiring. Our business approach to making your card program successful: Analyze and optimize your existing card program Position your new card portfolio Upgrade closed-loop card systems with international payment functionalities (Visa, MasterCard) Acquiring of closed-loop cards within your stores to avoid scheme fees Latest POS infrastructure for sale or lease All terminals fully EMV compliant, including contactless devices Favorable commercial acquiring conditions Value added services available at the Point of Sale (e.g. DCC, Mobile top-up) Our modular offering includes both issuing and acquir ing services along the entire value chain and can be customized according to your company s needs. Build your cardholder base Increase your brand awareness Influence customers buying decisions Attract and retain customers with loyalty programs Generate additional revenues Figure 1: Retail card value chain 2

3 Our modular retail card programs support your ideas Have you ever thought about running your own card program? Operating a card program is no longer a business for banks only. SIX Payment Services offers you the opportunity to issue your own cards and benefit from: Extra revenue potential through additional sales and lower cash-handling cost Detailed insight and understanding of your customers buying habits enabling you to retain them through selected and targeted loyalty programs Let us help you answer some key questions: Card business case: which type of card suits my organization best? Which international scheme brand do I want to co-brand my closed-loop card with? How can I increase my shop s average transaction value? Which technical feature (e.g. chip-technology, contactless, mobile payment) fits best for me? How can I reduce my card processing costs (including merchant commission) with SIX Payment Services closed-loop offering? Upgrade your closed-loop card program with MasterCard or Visa acceptance Within your stores all transactions are processed on our closed-loop SIX Payment Services acquiring and issuing network. Outside your stores, card usage is guaranteed internationally through co-branding with VISA and/or MasterCard scheme licenses. This will result in: Enhanced customer loyalty Regular customer contact, involving opportunities like statement messaging, inserts and other targeted marketing initiatives Access to reports on aggregated cardholder data Interchange revenue generated with each external use of the card We have vast know-how and experience in the processing of closed-loop, open-loop and multi-account cards alike. Our technical processing capabilities allow you to issue cards under your own license or a leased one. 3

4 Our modular offering grows with your needs With SIX Payment Services, you have a reliable partner at hand, proven technology, many years of expertise and vast experience to support a wide variety of your needs. Our offer is based on three pillars: Issuing processing services Analyzing the potential of a card program Leveraging our marketing and financial expertise to create and/or optimize your card portfolio Implementing, managing and processing your card program Hosting of card data and authorization of transactions Providing you with CRM data feedback to constantly improve your customers loyalty Taking over all relevant business processes, e.g. fraud management or charge-back, as well as card lifecycle management (card production, blocking, renewals, etc.) Acquiring and POS services Profit from the full scale of your new card program by closing the loop with us as your new card acquirer. You can either use your existing POS infrastructure or benefit from our state-of-the-art POS terminals. Our entire range is fully EMV compliant and ready to support latest contactless technology. International scheme license SIX Payment Services can provide you with the necessary issuing license for Visa or MasterCard, thus making your card program ready for your international customers. Issuing processing services Acquiring and POS services International scheme license Existing card portfolios Hosting Authorization Migration New card portfolios Hosting Authorization Consulting Acquiring of your closed-loop system International card use through cobranding with scheme licensed Latest generation of SIX EMV terminals Value added services (DCC, Mobile Top-up) MasterCard license Visa license Figure 2: SIX Payment Services offer 4

5 SIX Payment Services state-of-the art pan-european processing SIX Payment Services, a SIX company, has been a leading provider of payment processing services since Today, SIX Payment Services provides financial institutions and merchants throughout Europe with secure and innovative solutions along the entire value chain of cashless payments. Our modular offering includes credit and debit issuing processing, acquiring processing and network services as well as POS terminals and a broad range of value added services. With over employees and a local presence at 10 office locations, SIX Payment Services partners with customers in 33 countries. Key figures Number of employees Transactions 3.16 billion card-based transactions Office locations: 10 Zurich Budapest Frankfurt Genf Hamburg Luxembourg (Munsbach / Leudelange) Milan Prague Vienna Warsaw Market leader Leading player Market presence 5

6 CHE_EN/ Your personal contact: SIX Payment Services AG Hardturmstrasse Zurich Switzerland SIX Payment Services (Europe) S.A. 10, rue Gabriel Lippmann 5365 Munsbach Luxembourg SIX Payment Services (Austria) GmbH Marxergasse 1B AT-1030 Vienna Austria

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