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worldwide

VIEWS: 169 PAGES: 21

									seamless card payment
acquiring and processing

worldwide
accept credit & debit cards                                                     A Warm Welcome
worldwide                                                                                        “Welcome to E-Clear’s world of seamless card
                                                                                                 payment acquiring and processing.

                                                                                                 Customer dedication, full servicing and efficiency are
                                                                                                 the three key factors that have successfully driven
                                                                                                 E-Clear as one of the preferred payment and service
                                                                                                 providers for large international organisations.

                                                                                                 Our merchants are well-established companies with
                                                                                                 high transaction volumes who have very demanding
                                                                                                 and specific payment requirements. Facing that, our
                                                                                                 global payments service is based on cutting-edge
                                                                                                 technology and unrivalled customer service to ensure
                                                                                                 our customers’ complete satisfaction.

                                                                                                 A dynamic team of experienced individuals and
                                                                                                 worldwide business partners including banks, credit
                                                                                                 card organisations and insurance companies are the
                                                                                                 essence of E-Clear’s business. With their unique
                                                                                                 contribution we offer our merchants the best-in-class
                                                                                                 services and benefit from their vast knowledge and
                                                                                                 expertise.
Your KeY Benefits at a Glance                                                                    Our achievements in the last few years speak for
  Multi-currency conversion. Any currency converted globally                                     themselves. Our business has been developing with a
                                                                                                 3-digit percentage growth every year and the
  Cost reductions to your business                                                               predictions show that growth is here to stay.

  Tailor-made solutions to meet your business requirements                                       Integrity is the base where E-Clear has been built on
                                                                                                 and will continuously be part of the company’s culture.
  Fast and simple integration into your organisation’s payment system                            As a solid and reliable organisation ready to take on any
                                                                                                 challenge and equipped with the resources to deliver,
  Advanced and efficient fraud prevention
                                                                                                 we, above all, will always stand by our word and
  One simple contract for acquiring/accepting and processing E-Commerce, MoTo                    commitment with our customers.”
  and POS card payment transactions globally
                                                                                                 Elias Elia
  Unrivalled, dedicated customer service and technical support                                   CEO
                      Contents
                      1   About E-ClEAr .................................................................... 1
                      2   thE PAymEnts mArkEt ..................................................... 3
                      3   PAymEnt solutions .......................................................... 5
                          3.1      Point of Sale (POS) Terminals .......................................................7
                          3.3      MoTo ...........................................................................................................9
                          3.4      E-Commerce.......................................................................................11
                      4   industriEs - ovErviEW ..................................................13


it pays to be clear       4.1
                          4.2
                                   Retail ........................................................................................................15
                                   Supermarkets .....................................................................................17
                          4.3      Hospitality ............................................................................................19
                          4.4      Tour Operators ..................................................................................21
                          4.5      Airlines ....................................................................................................23
                          4.6      Other Industries................................................................................25
                      5   risk mAnAgEmEnt ...........................................................27
                      6   CliEnt sErviCEs ................................................................29
                      7   kEy bEnEfits.......................................................................31
About E-Clear
           E-Clear handles the capture, authorisation and settlement
           of all major international credit and debit card payments
           on the internet, by phone, fax, e-mail or at the point of sale,
           enable high-transaction volume merchants to achieve
           business objectives of higher volume and profit by reducing
           their risk and payments cost.




           The Company’s continued growth and success is attributed mainly to the
           professionalism of its people and the sound understanding of merchants’ business
           requirements:

                n E-Clear is a one-stop acquiring and processing payment solutions company utilising
                  a high-tech platform designed to handle high transaction volumes securely, speedily
                  and reliably. The Company services all payments requirements for merchants, thus
                  freeing them to focus on their core business.

                n E-Clear, unlike its competitors, recognises and understands merchants’ needs and,
                  above all, addresses them. The company recognises that every merchant’s payments
                  is unique and that it has to be treated as such; this is why E-Clear is working with
                  merchants to develop tailor-made products and solutions for their businesses.

                n For global merchants who are well-established international blue chip companies
                  and with high transaction volumes in different currencies, E-Clear understands
                  their business needs for payments processing – efficiency, effectiveness, dedicated
                  customer service, flexibility and cost savings.

                n E-Clear’s proficient payments systems solutions are based on cutting edge
                  technologies supporting multi-currency platforms allowing merchants to
                  handle transactions efficiently while providing their customers with a secure and
                  problem-free service.


                                                                                                         1
                                     the Payments Market
                                                The Payments Market is changing. In Europe, competition
                                                will arise due to initiatives by the European Commission.




    online commerce is changing -
    E-Clear’s commitment stays the
    same
                                                The Single Euro Payments Area (SEPA) will lead to the possibility to conduct
                                                (trans-)national payments in Euro within Europe under the same basic conditions,
                                                rights and obligations regardless of their location.

                                                There is an increasing internationalisation of the cards industry as more issuers take
                                                their cards business cross-border. SEPA is an opportunity for all payment companies
                                                with flexible platforms and integrated acquiring solutions for E-Commerce and
                                                point of sale business.

                                                E-Clear is strongly positioned in the arena of international payments and well prepared to
                                                serve the industries needs.

                                                The worldwide Online Commerce grows at impressive dimensions and there is no end to
                                                this development in sight.

                                                In conclusion, the main business drivers in the payment industry are:

                                                    n	 Continuing E-Commerce growth
                                                    n	 Single Euro Payments Area (SEPA)
                                                    n	 Cardholder convenience and security
                                                    n	“War on cash” programs by Visa and MasterCard

                                                As the trends continue, electronic payments growth will outpace GDP growth for the
                                                foreseeable future and pressure will increase on legacy payment systems to cope with the
                                                increased volume.



2                                                                                                                                            3
                                    Payment Solutions
                                                                     E-Clear offers secure reliable credit and debit card
                                                                     payment services and risk management solutions that give
                                                                     your business the advantage it needs.



    seamless & secure integration
    into our services

                                                                     The company provides complete card processing services that integrate into your company’s
                                                                     payment solutions and give you the support you need to achieve business objectives.

                                                                     E-Clear offers credit card and debit card acquiring services for Mastercard, Visa,
                                                                     American Express and others.

                                                                     With a smooth payments process E-Clear’s card processing service is not just flexible
                                                                     but also fast and secure. With the latest anti-fraud systems in place and risk management
                                                                     procedures, this solution is second to none, for your high volume business.

                                                                     E-Clear’s acquiring and processing system can be illustrated as follows:




                                                                                                                             Consumer




                                     The following graphic
                                     illustrates some of E-Clear’s
                                     integration opportunities
                                                                                ERP-System               Online Shop      Mo To Call Centre           P.O.S.




                                                                                                             Risk Management*



                                                                                    Online Reporting**

                                                                                                                        *Fraud Screening Modules
                                                                                                                       ** Consolidation Online Reporting for all Sales Channels




4                                                                                                                                                                                 5
                           Point of Sale (POS) Terminals
                                        E-Clear’s Point of Sale terminals are one of the industry’s
                                        premier point of sale solution for retailers who demand
                                        maximum performance, manageability, and adaptability
                                        to transform their business to a highly differentiated and
                                        customer-focused enterprise.
    your requirements...
    our solutions



                                        As far as unique features are concerned, E-Clear’s POS solutions help reduce cost and
                                        complexity while providing a scalable design to enable retailers to operate an efficient and
                                        resilient business.

                                        Ergonomic design, large graphic display, fast printing and a wide range of communication
                                        options are only a few of the features found in E-Clear’s versatile terminals.

                                        Powerful, compact payment terminals that are ideally suited to merchants wishing to
                                        carry out smart card, credit and debit card transactions in their industry.

                                        No matter what business you are in, if you require Point of Sale solutions, E-Clear has the
                                        answer for your business.




6                                                                                                                                      7
                                          MoTo
                                                 MoTo merchants can submit transactions through
                                                 E-Clear’s flexible interface for quick and secure credit card
                                                 processing.



    simplicity, security, versatility -
    clearer solutions within your reach


                                                 E-Clear offers an online card payment authorisation and settlement service for
                                                 cardholder not present transactions, including mail orders, telephone orders, fax orders and
                                                 secure email orders.

                                                 The company provides an easy and powerful credit card processing solution for
                                                 businesses to transact secure, real time credit and debit card sales. As this solution
                                                 requires no specific software or hardware installed at the point of access, it presents one of
                                                 the most versatile and secure ways of payments processing.

                                                 All that is required is a computer with a connection to the internet and a merchant
                                                 account to provide your company with quick, easy and secure transaction processing,
                                                 wherever you are.

                                                 All e-payment transactions can be monitored, in real time, instantly, with Proteus,
                                                 E-Clear’s online reporting system.




8                                                                                                                                                 9
                                E-Commerce
                                             E-Commerce is the latest mantra in increasing sales. And
                                             the incredible story of E-commerce continues with a 2-digit
                                             increase rate.



     global e-commerce -
     hassle free with E-Clear


                                             It is becoming increasingly important for businesses to have a strong web presence –
                                             a prime place to provide information, create brand awareness and sell products or
                                              services.

                                             E-Clear provides the necessary services for an effective online E-Commerce strategy for
                                             your business and setup merchant accounts for the acceptance of credit and debit card
                                             payments thus make your venture a success.

                                             The E-Commerce Solution from E-Clear lets you leverage the Web to grow your
                                             business faster and more cost effectively. This is a solution that transforms the way merchants
                                             accept credit and debit cards online, securely and speedily.

                                             At E-Clear we believe in supporting customers across time zones and through platforms
                                             of their choice. Our E-Commerce, like all our other services, have been designed to meet
                                             distinct customer requirements across our global markets.




10                                                                                                                                        11
                                     industries - Overview
                                                 Our innovative product and service offerings are rapidly
                                                 becoming the standard and benchmark across all
                                                 industries.


     innovative solutions for your
     business


                                                 There is no longer the need for different contracts with banks and payment processing
                                                 companies as E-Clear provides complete, one-stop payments solutions across all
                                                 industries.

                                                 E-Clear operates in accordance with all regulatory and compliance requirements thus
                                                 providing a secure and reliable platform which merchants know and trust.

                                                 Offering a comprehensive package of card payments services to merchants, E-Clear
                                                 offers solutions for all sales channels such as card-not-present, E-Commerce, Mail
                                                 Order/Telephone Order, card-present (Point of Sale), with cross-border and
                                                 multi-currency services.

                                                 card acceptance

                                                 E-Clear processes all major international credit and debit card payments including:

                                                 Visa, Mastercard, Maestro, Visa Electron, Visa Debit, V Pay, American Express, Solo, UATP and
                                                 Duet.




12                                                                                                                                          13
                            Retail
                                     The retail industry is a business at the sharp end. Fast
                                     moving and complex, high profile and constantly changing,
                                     it is an environment where only the best managed and most
                                     innovative organisations can succeed and thrive.

     your requirements...
     our solutions



                                     E-Clear’s flexible payment services represent a strong advantage for large retailers. With
                                     the ability to monitor in real-time all payment processing taking place through all sales
                                     channels, E-Clear’s service is easy-to-use, fast and extremely reliable.

                                     E-Clear is offering retailers Point-of-Sale (POS) terminals that can easily be integrated into
                                     your payments systems. E-Clear has the knowledge and ability to find solutions that meet
                                     with the retailers’ ever changing environment.

                                     Working with retailers right from installation and training to new service launches and
                                     maintenance, E-Clear ensures that our retail partners enjoy unparalleled service quality and
                                     full support.

                                     With an expanding range of electronic payments systems, E-Clear’s solutions are
                                     designed to increase revenues for retailers.




14                                                                                                                               15
                                          Supermarkets
                                                     The supermarket industry is recording healthy growth
                                                     year-on-year. A trend that is here to stay.




     fraud control, risk
     management...
     we protect your business interests
                                                     E-Clear’s knowledge within the credit and debit card payments industry ensures that we can
                                                     effectively respond to the payments challenges this industry faces.

                                                     As a payments specialist company, E-Clear’s solutions designers and fraud analysts can
                                                     address complex payment questions facing the big merchants in the supermarkets
                                                     industry.

                                                     E-Clear’s professional technical support is always available to assist on the integration of
                                                     payments solutions and also offer responsive telephone support whatever your payments
                                                     issue.

                                                     Global merchants with high transaction volumes in different currencies require, efficiency,
                                                     flexibility and cost savings. E-clear is here to meet all their challenges and understands their
                                                     needs.




16                                                                                                                                                 17
                               Hospitality
                                             In recent years it has been increasingly important for
                                             E-Clear to meet the very specific payments requirements of
                                             businesses across the globe. Each market has defined needs
                                             and the Hospitality sector requires special attention.

     access a wider world of
     payments



                                             With modern improvements to transport systems, the Hospitality industry has been
                                             attracting more and more people to hotels, guest houses, restaurants, bars, clubs, golf
                                             courses, health centres, cruise lines, resorts, among others around the world.

                                             The wide-ranging Hospitality sector is highly prominent, serving a variety of other sectors
                                             including travel, industrial, retail, culture, sport, educational, medical and administration
                                             sectors.

                                             As with any payment transaction, the customer must always feel comfortable with the
                                             entire process, whether seated at the table or paying at the counter. Security, privacy and
                                             also convenience must form part of the customer’s payment experience in service based
                                             environments, such as a restaurant or hotel.

                                             E-Clear as a reliable payments solutions provider for all sales channels carefully considers
                                             and responds to all merchants’ requirements within the vast Hospitality Industry.




18                                                                                                                                      19
                               Tour Operators
                                           All E-Clear’s payments solutions are backed up by different
                                           servers ensuring effective fail cover. With support teams
                                           and systems in place, E-Clear’s merchants are assured of a
                                           dedicated, professional service and assistance as required.

     flexible settlements in
     preferred currencies



                                           The Tour Operators industry, plans, packages, markets and sells multiple holiday elements
                                           including transport and accommodation arrangements. This industry incorporates tour
                                           operators, travel tour operators and wholesale tour operators who sell their packages
                                           directly or via distributors such as retail and/or online travel agents and travel suppliers.

                                           Within this industry, the POS, MoTo and Online sales channels contribute highly to a
                                           company’s turnover. Especially the e-travel business which has experienced such a
                                           large development over the last 10 years, that traditional tour operators were obliged to
                                           improve their websites in order to be able to compete with online travel agents.

                                           The simplicity of E-Clear’s payments systems allows your agents to take bookings in real
                                           time, without any complications. Our multi-currency conversion service also allows you to
                                           offer your customer the choice of paying for their holiday in the currency of their choice.
                                           Your link to E-Clear’s Payments System offers a gateway to the world of payments.




20                                                                                                                                    21
                          Airlines
                                     The airline industry is currently still in a (r)evolutionary phase.
                                     The successful establishment of the business model of “low
                                     cost airlines” is just the beginning.



     payments worldwide



                                     Today, new niche business models, ambitious and financially strong airlines and their
                                     efforts to shift the centre of aviation to new geographical regions, are setting the pace of
                                     the industry.

                                     Diverse characteristics amongst airlines seem to dictate the industry’s pace but no matter
                                     if low cost or all-premium, flag carrier or start-up, regional or global: Every airline highly
                                     depends on cash flow generated from reliable payment services. A major proportion
                                     of the worldwide payments for tickets and ancillary airline services is conducted by
                                     credit and debit card transactions so it is important to provide airline customers with a
                                     state-of-the-art payment solution accepting all major cards in a secure, fast and reliable
                                     way.

                                     E-Clear’s vast knowledge and experience within the aviation industry ensures that
                                     we can effectively respond to all our existing and future airline industry merchants’
                                     requirements in the best possible way. As this is a special industry it requires special payment
                                     systems solutions.

                                     E-Clear continually develops solutions designed for the airline and tourism industries to
                                     ensure you are up to date - today and tomorrow.




22                                                                                                                                23
                                 Other Industries
                                              Within the E-Clear’s proven payments architecture, there
                                              are many solutions available for other vital and major
                                              industries. We are making the payment process easier and
                                              more secure, while the integration with systems across your
                                              various sales channels and currencies remains simple and

     diverse industries...                    convenient.


     require diverse solutions



                                              E-Clear is a payments specialist company. As a result, our staff of project managers,
                                              solutions designers and fraud analysts offer your industry an unparalleled knowledge and
                                              expertise.

                                              We understand the nuance of payment solutions within diverse types of industries such
                                              as media, Entertainment and telecommunications and we allow you to broaden your
                                              reach into fast-growing markets while reducing costs, complexity and risk.

                                              Use our expert staff to lead an entire project or supplement the skills of your in-house
                                              development team.




24                                                                                                                                  25
                          risk Management
                                    E-Clear’s experts work with your company to define risk
                                    management goals, analyse your business objectives, design
                                    and recommend comprehensive solutions, manage your
                                    payments acceptance to agreed metrics.


     fraud prevention &
     risk management


                                    Preventing your business from fraud is essential and E-Clear, with their necessary built-in
                                    fraud-protection services, minimizes the risk so that merchants and customers don’t become
                                    part of the statistics. Fraud prevention services include:

                                        n Card security Code (CsC): The CSC is the 3 or 4 digit number printed on the back
                                          of every card.

                                        n Address verification service (Avs): The AVS offers verification of the numerical
                                          part of a customer’s post code and statement address with their card issuing bank.
                                          With this information it will be possible to verify the validity of a cardholder.

                                        n 3d secure: Verified by Visa and MasterCard SecureCode. This service requires the
                                          cardholder to provide a personal password or PIN number.

                                    Ensuring security of all transactions is one of E-Clear’s main priorities. To protect
                                    both the merchant and the cardholder E-Clear guarantees that:

                                        n During the payment process credit/debit card details are not visible to anyone
                                          other than the cardholder.

                                        n All payment authorisations can be tracked using the client’s own transaction
                                          reference number.

                                    E-Clear’s enhanced risk preventive tools and services help merchants to maximise revenue
                                    and profit potential while converting more orders to sales and reducing their fraud costs.




26                                                                                                                           27
                                    Client Services
                                                 Merchants across the globe know E-Clear for the reliability
                                                 of its network. When you choose E-Clear, as your transaction
                                                 processor, you receive much more than a proven
                                                 end-to-end communications and technology network,
                                                 expanding connectivity options and a variety of products

     multi-currency conversion -                 to fit your requirements. You also gain the benefit of our
                                                 network of support professionals.

     what currency is your choice



                                                 E-Clear employs a focused approach to strategic management of account relationships.
                                                 Customised service level offerings are based on customer needs. E-Clear’s merchants can
                                                 expect responsive telephone customer support, fraud control and risk management to
                                                 protect their business interests.

                                                 Protecting your business against fraud and other losses is becoming an increasing challenge.
                                                 E-Clear’s support and the Risk Management teams have extensive risk management and
                                                 fraud prevention experience to vigilantly protect your business and your customers’ card
                                                 data.

                                                 E-Clear’s technical support is always available via phone or email and the team will be happy
                                                 to help you solve issues as well as assist on the integration of payment solutions. With the
                                                 best tools in place, E-Clear guarantees the efficiency of its payment solutions.




28                                                                                                                                          29
                                 key Benefits
                                                E-Clear’s global experience in card-not-present transaction
                                                environments gives the company a distinct advantage when
                                                meeting the demanding needs of businesses selling via
                                                multiple channels.



     our strategy your benefit


                                                E-Clear’s global and seamless payment solutions ensure the following key benefits:

                                                    n One central acquiring/acceptance and processing contract for global e-commerce,
                                                      MoTo and POS card payment transactions.

                                                    n Tailor-made solutions to meet each merchant’s requirements.

                                                    n Accept all major international credit and debit cards.

                                                    n Accept telephone and mail orders with simplified administration and accounting
                                                      procedures.

                                                    n Key Account Manager allocated to each merchant.

                                                    n High security platform ensures the safety of all payments with online reporting.

                                                    n Advanced, smart and efficient fraud prevention solutions for card payment
                                                      transactions.

                                                    n Fast and simple technical integration processes.

                                                    n Multi-Currency Conversion (MCC) permits the merchant to receive payments in a
                                                      large range of international currencies.

                                                    n Unrivalled, dedicated customer service.

                                                    n Highly skilled, experienced and multilingual staff.

                                                E-Clear’s customers agree that the company’s unique hands-on knowledge of their problems,
                                                coupled with our tried-and-tested back-office solutions and a dedicated team of consulting
                                                experts, has been key to our success and theirs.

30                                                                                                                                       31
     E-Clear. Are you clear yet?




32                                 33
     it pays to be clear




                                    e-clear (uK) Plc
                                            2nd floor
                            Berkeley Square House
                                     Berkeley Square
                           Mayfair, London W1J 6BD
                                     United Kingdom

                            tel +44 (0)20 7887 6216
                           fax +44 (0)20 7887 6217
                             email info@eclear.com
                              web www.eclear.com

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