Smart Technology Solutions

Capita

Part of Capita Software Services, the Payment Management business unit is a leading supplier of payment collection and income management solutions within the UK. It supplies payment solutions to over half of UK local authorities and a significant number of organisations within Social Housing, Further & Higher Education and the private sector.

Capita's highly secure and established managed service portfolio includes a range of products to process card payments via the Internet, touch tone, SMS text, speech recognition and on-site Chip & PIN. Managed by a dedicated team, the solution is used by over 170 organisations who each month process around 1.5 million payments with a total value of more than £110 million.

Fujitsu

Fujitsu is a leading provider of IT-based business solutions for the global marketplace, headquartered in Tokyo. With approximately 175,000 employees supporting customers in 70 countries, Fujitsu combines a worldwide corporation of systems and services experts with highly reliable computing and communications products and advanced microelectronics to deliver added value to customers.

In the UK and Ireland Fujitsu is a leading IT systems, services and products company employing 14,000 people with annual revenue of £2 billion. Its business is in enabling its customers to realise their objectives by exploiting information technology through its integrated product and services portfolio. This includes consulting, applications, systems integration, managed services and products for customers in the private and public sectors including retail, financial services, telecoms, government, defence and consumer sectors.

In the retail sector we start by thinking about retail IT services from a customer perspective. By understanding consumer needs, preferences and shopping behaviour, Fujitsu supports retailers in delivering, measuring and managing their customer's experience.

With over 30 years experience, working with 130 retailers in 52 countries, across 82,000 stores worldwide, we provide a broad portfolio of offerings from in-store technology, multichannel, loyalty schemes, digital media, RFID and supply chain, through to network management and traditional IT managed services.

Ingenico

Ingenico is the world's leading provider of payment solutions, with over 15 million terminals deployed across the globe. Delivering the very latest secure electronic payment technologies, transaction management and the widest range of value added services, Ingenico is shaping the future direction of the payment solutions market. Leveraging on its global presence and local expertise, Ingenico is reinforcing its leadership by taking banks and businesses beyond payment through offering comprehensive solutions, a true source of differentiation and new revenues streams.

Netgiro Systems

Netgiro Systems, a wholly owned subsidiary of Digital River (NASDAQ:DRIV), is a payment service provider for online businesses worldwide. The company was founded in 1997 and today, e-merchants from around the world use Netgiro's services to offer their regional customers relevant local online payment methods and ultimately generate increased sales.

Netgiro's payment solution supports a large number of localised online payment methods, ranging from credit and debit cards, to e-wallets, direct debit, Internet bank payments, local bank transfers and checks. In addition to the centralized connection our global portfolio of online payment methods we offer extensive cash management services and consolidated funding and reporting. Everything you need to deliver and support locally adapted payment offerings for markets worldwide.

Proxama Systems

Proxama helps organisations get the most out of consumer technologies. With in-depth experience of smart cards, mobile phones and interactive TV, we understand how to combine these technologies to deliver the best services and solutions for payments and ticketing, loyalty and service discovery.

Market leaders in Near Field Communications (NFC), we use open standards and participate in the forums that are shaping NFC deployment: NFC Forum, Global Platform, Payez Mobile and the Smart Card Alliance. Proxama is a PayPass licensee and is part of the Visa Vendor forum. Our NFC wallet supports payment, ticketing and loyalty applications and is in line with the most recent MasterCard guidelines.

Established over 4 years ago, Proxama became part of the ABnote Group in February 2008, and continues to work for leading blue-chip clients such as MasterCard, Tesco, Virgin Mobile and BSkyB.

Secure Retail

Secure Retail's Full Service Offering, using VeriFone terminals, delivers a complete managed solution to cater for all card payments linked to a range of acquirers. From deployment, initialisation, to maintenance and upgrades, our offering provides a flexible solution offering the latest of VeriFone's most advanced system solutions, where we can offer a fully tailor made package which enables you to take advantages of faster communications and the very latest multiplications delivering enhanced payment service to your merchants.

SIX Card Solutions Group

SIX Card Solutions Group Luxembourg has been at the forefront of credit card processing since 1986. Today SIX Card Solutions leads the market in integrated EMV payment processing, providing bespoke solutions to hospitality, parking, retail and internet merchants. From 5 offices worldwide, Six Card Solutions delivers secure, efficient, integrated card solutions, enabling merchants on 4 continents to focus on their core business. SIX Card Solutions simplifies global card processing. SIX Card Solutions and STS have combined to deliver EMV transaction processing capability to a cutting edge, touch-screen retail environment.

Spheragone

Established in 1996, Spheragone is a service company and IT consultancy dedicated to the world of electronic banking, payment methods and flows in general. Spheragone are involved in specialised settings such as cards, terminals, banking applications (front office, back office) and proprietary. As a leading EFT provider in France, Spheragone have a strong expertise in payment and management information flows including banking and electronic payment over IP. With an extensive experience in developing applications on terminals and automatic payment, Spheragone is able to offer operational solutions in several areas: health electronic banking, electronic banking and electronic private banking. Spheragone operate in multiple industry sectors including banking, health, the public sector, as well as distribution.

Verifone

VeriFone Holdings Inc. ("VeriFone") (NYSE:PAY), a global leader in secure electronic payment technologies, provides expertise, solutions and services for today with a migration strategy for tomorrow. VeriFone delivers solutions that add value to the point of sale, resulting in improved merchant retention and the generation of new sources of revenue for its partners and customers. VeriFone solutions are specifically designed to meet the needs of vertical markets including financial, retail, petroleum, transportation, public sector and hospitality.

ViVOtech

ViVOtech is a market leader in contactless/NFC payment software, over the air (OTA) card provisioning, promotion, and transaction management infrastructure software, NFC smart posters, and contactless readers/writers. These innovative solutions allow consumers to make contactless payments with radio frequency-enabled credit cards, debit cards, key fobs, and NFC-enabled mobile phones. ViVOtech's products are used by some of the most prominent retailers in the United States. Currently, with more than 260,000 units in 23 countries, ViVOtech's products are in use at movie theaters, fast food restaurants (QSR), casual dining establishments, convenience stores, gas stations, drug stores, grocery stores, buses, taxicabs and vending machine locations, enabling a wide variety of businesses to accept contactless/NFC payments. In 2007, ViVOtech was named #1 in New ABI Research contactless reader ranking. ViVOtech was also recognized as Top Contactless Payment Technology Vendor in Aberdeen Group's "Retail Contactless Payment Report".

Zamsos

Zamsos is a payment application development company with a very long experience of developing integrated payment solutions. Zamsos is owned by Swedbank, the leading acquiring bank in the Nordic region. The payment application Zaci, developed by Zamsos, is used by a number of the largest retailers in the Swedish market. The partnership with STS and the usage of SmartNS opens the possibility to use a variety of terminals and to move integrated payment into new markets.