Engaging, Enabling and Evolving Commerce in Canada since 1989

August 2011 ACTion Newsletter


1. Editorial - Fraud, Expenses and Other Tidbits
2. TD Bank Group To Acquire MBNA Canada's Credit Card Business
3. Visa Announces Plans To Accelerate Chip Migration And Adoption Of Mobile Payments
4. Google To Launch Credit Card; Paypal To Move Offline - Members Only Access
5. Canada's Rogers Planning NFC Mobile-Payment Launch
6. Citi Introduces Corporate Chip And PIN Cards
7. Consumers Need To Be Sold On Benefits Of Mobile Payments - Members Only Access
8. Globus Hypermakets Partner With Ingenico For Mobile Payment Pilot In Czech Republic
9. FIME To Certify Interac Flash Cards And Readers
10. Chicago Merchants Using Mobile Wallet App To Enhance Loyalty Efforts - Members Only Access
11. ICC Solutions Receives Qualification From MasterCard For MasterCard Paypass Testing
12. Completion Of European Research Project "Biopass" To Enhance Chip Card Security For Future Electronic Id Documents With EU-Wide Validity
13. Oberthur Acquired By Private Equity Firm
14. ISIS Collaborates With 4 Major Networks For Security Solution
15. China Unionpay Overtakes Visa As World's Biggest Card Scheme - Members Only Access
16. MasterCard Canada Takes Another Step Forward
17. Apriva Processes Record $1.76 Billion In Wireless Transactions During Q2 2011
18. Turkcell And Huawei Select NXP Technology To Launch First NFC-Enabled Smartphone In Turkey
19. Visa Paywave Now Available At 43 Toronto Parking Authority Parking Lots
20. Fuzebuy Partners With Omnego To Deliver Mobile Gift Card Solutions - Members Only Access
21. CPV Module In Collis EMV Personalisation Validation Tool Qualified By MasterCard Worldwide
22. Coinamatic Canada Inc. Announces Acquisition Of Venda Wash
23. Transaction-Capable Tablets Hit Japan - Members Only Access
24. YESpay International And Itim Software Bring Pennies, The Electronic Charity Box To The High Street With Retailer, The Entertainer

ACT Canada Partners


Visa operates the world's largest retail electronic payments network and is one of the most recognized global financial services brands. Visa facilitates global commerce through the transfer of value and information among financial institutions, merchants, consumers, businesses and government entities.



TD Merchant Services ~ member since 1996


Discover Financial ~ new member


GFH Group ~ member since 2007
Osler, Hoskin & Harcourt LLP ~ member since 2005


There is a lot of movement in the market, so if you are looking for new employees, we are always aware of some great people. Please contact Catherine Johnston for more details - catherinej@actcda.com.


  • Cardware Connections & Annual General Meeting
    November 4th, OBA Conference Centre, 20 Toronto Street.
    Our guest speaker is Michael Moore, Director of Security; Huawei Technologies Canada Co., Ltd "Is the supply chain putting your payment devices at risk?" ACT Canada members will receive more information in the coming weeks
  • Cardware 2012: Payment Insights
    June 19th & 20th,
    Marriott Gateway on the Falls, Niagara Falls


3rd Annual Mobile Money Canada conference (MMC 2011)
September 27, 2011
Metro Toronto Convention Centre
Toronto, ON, Canada
ACT members will receive a 50% discount if registered by September 9th - please contact andrea@actcda.com for details.

3rd Mobile Contactless Payments Summit
Chicago, IL, USA
October 17-18, 2011
ACT members will receive a $300 discount - please contact andrea@actcda.com for details

The 10th Annual Smart Card Alliance Government Conference - Smart Strategies for Secure Identity
November 1-4, 2011
Washington, DC, USA

ACT Canada presents Cardware Connections & Annual General Meeting
"Is the supply chain putting your payment devices at risk?"
Our guest speaker is Michael Moore, Director of Security; Huawei Technologies Canada Co., Ltd
November 4, 2011
OBA Conference Centre
Toronto, ON, Canada
Open to members only

CARTES & IDentification 2011
November 15-17, 2011
Paris-Nord Villepinte Exhibition Centre
Paris, France

2012 Payments Summit, A Smart Card Alliance conference event
February 7-9, 2012
Salt Lake City, UT, USA

NFC Solutions Summit 2012
co-presented by the Smart Card Alliance and the NFC Forum
May 22-24, 2012
San Francisco, CA, USA
ACT Canada members are eligible for a 20% discount. Please contact andrea@actcda.com to get the discount code

Cardware 2012: Payment Insights
June 19-20, 2012
Marriott Gateway on the Falls
Niagara Falls, Ontario, Canada
ACT Canada members receive substantial discounts

Source: Catherine Johnston, President & CEO, ACT Canada (08/30)

Fraud, Expenses and other tidbits

It occurs to me that fraud is a little like an expense report. There are many different categories on an expense report and just as many, if not more, types of payment fraud. No sooner have you filed your expense report, than you have to start another one. No sooner do you clamp down on one type of fraud, than another pops up. Nonetheless, we must continue to do both exercises.

In the past month we were all pleased that Visa Inc. is taking moves to promote the adoption of EMV in the US. This will increase global payment security and many ACT Canada members will benefit. On the other hand, we are increasingly concerned about payment devices that are compromised while still in the supply chain. To help ACT Canada members understand this serious issue, Michael Moore, Director of Security, Huawei Technologies Canada Co., Ltd, will address it at our upcoming Cardware Connections, November 4th.

Speaking of EMV, we are honoured to give the keynote address at the September meeting of the EMVCo Technical Associates meeting to be held in Montreal. This is an opportunity to bring Canadian EMV experiences to this group, as they work on issues that will impact our stakeholders and our peers in the US.

All this makes me believe that the next 12 to 18 months will find many trying to balance their involvement with NFC, m-commerce and micro-payment, with the demands of planning for EMV. This would be a good time for Americans to leverage the experiences of Canadian issuers, retailers, acquirers and other stakeholders. Not everything will be the same, but our lessons learned can be valuable - helping to save time, money and human resources.

Now, if you will excuse me - the bookkeeper wants my expense report!

Source: Canada Newswire (08/15)

TD Bank Group and Bank of America Corporation announced a definitive agreement under which TD will purchase MBNA Canada's credit card portfolio, as well as certain other assets and liabilities. TD will pay a modest premium on an expected $8.5 billion of credit card receivables at closing.

"We are very pleased to be acquiring MBNA Canada's credit card business. This acquisition will position TD as a top card issuer in Canada," said Ed Clark, Group President and CEO, TD Bank Group. "We've consistently said that we will seize good opportunities that make strategic sense, fit within our risk profile and are financially attractive. This franchise brings new customers to TD, provides attractive additional options for our customers and is a great complement to our existing high-growth credit card business."

MBNA Canada is the country's largest MasterCard issuer. This acquisition will significantly build on TD's existing Canadian credit card business, which has successfully grown to approximately 4 million active accounts. With this transaction, TD will add 1.8 million active accounts to its base.

"This transaction boosts our capability in credit cards and increases our scale in this business, allowing us to further leverage our distribution capabilities," said Tim Hockey, President and CEO, TD Canada Trust. "Acquiring this business makes TD a dual issuer of both Visa and MasterCard, giving customers greater choice."

"TD also has a strong history in the affinity market and this transaction will allow us to increase our presence in this space," added Hockey. "We look forward to working with new affinity partners in credit cards and to welcoming new customers to TD."

MBNA Canada and TD Bank are members of ACT Canada; please visit http://www.mbna.ca & http://www.td.com.

Source: PR Newswire (08/09)

Visa Inc. announced plans to accelerate the migration to EMV contact and contactless chip technology in the United States. The adoption of dual-interface chip technology will help prepare the U.S. payment infrastructure for the arrival of NFC-based mobile payments by building the necessary infrastructure to accept and process chip transactions that support either a signature or PIN at the point of sale.

"By encouraging investments in EMV contact and contactless chip technology, we will speed up the adoption of mobile payments as well as improve international interoperability and security," said Jim McCarthy, global head of product, Visa Inc. "As NFC mobile payments and other chip-based emerging technologies are poised to take off in the coming years, we are taking steps today to create a commercial framework that will support growth opportunities and create value for all participants in the payment chain."

Not only will chip technology accelerate mobile innovations, it is also expected to secure payments into the future through the use of dynamic authentication. Chip technology greatly reduces a criminal's ability to use stolen payment card data by introducing dynamic values for each transaction. Even if payment card data is compromised, a counterfeit card would be unusable at the point of sale without the presence of the card's unique elements. By reducing static authentication, we diminish the value of stolen cardholder data, benefiting all stakeholders.

"Dynamic authentication is the key to securing payments into the future," said Ellen Richey, chief enterprise risk officer, Visa Inc. "Adding dynamic elements to transactions makes account data less attractive to steal and takes more merchant systems out of harm's way, shrinking the battlefield against criminals. The migration to chip technology will be an important security layer and a critical step in a comprehensive strategy to use dynamic authentication across all markets and all channels."

Globally, Visa will continue to support a range of cardholder verification methods including signature, PIN and no-signature for low-value, low-risk transactions. In the longer term, we expect that the use of static verification methods such as signature and PIN will be reduced or eliminated entirely as new and dynamic forms of cardholder verification are implemented.

Visa's plan to encourage the U.S. adoption of dynamic chip authentication technology includes the following three initiatives:

  • Expand the Technology Innovation Program to Merchants in the U.S. -- Effective October 1, 2012, Visa will expand its Technology Innovation Program (TIP) to the U.S. TIP will eliminate the requirement for eligible merchants to annually validate their compliance with the PCI Data Security Standard for any year in which at least 75 percent of the merchant's Visa transactions originate from chip-enabled terminals. To qualify, terminals must be enabled to support both contact and contactless chip acceptance, including mobile contactless payments based on NFC technology. Contact chip-only or contactless-only terminals will not qualify for the U.S. program. Qualifying merchants must continue to protect sensitive data in their care by ensuring their systems do not store track data, security codes or PINs, and that they continue to adhere to the PCI DSS standards as applicable.
  • Build Processing Infrastructure for Chip Acceptance -- Visa will require U.S. acquirer processors and sub-processor service providers to be able to support merchant acceptance of chip transactions no later than April 1, 2013. Chip acceptance will require service providers to be able to carry and process additional data that is included in chip transactions, including the cryptographic message that makes each transaction unique. Visa will provide additional guidance as part of its bi-annual Business Enhancements Release for acquirer processors to certify that their systems can support EMV contact and contactless chip transactions.
  • Establish a Counterfeit Fraud Liability Shift -- Visa intends to institute a U.S. liability shift for domestic and cross-border counterfeit card-present point-of-sale (POS) transactions, effective October 1, 2015. Fuel-selling merchants will have an additional two years, until October 1, 2017 before a liability shift takes effect for transactions generated from automated fuel dispensers. Currently, POS counterfeit fraud is largely absorbed by card issuers. With the liability shift, if a contact chip card is presented to a merchant that has not adopted, at minimum, contact chip terminals, liability for counterfeit fraud may shift to the merchant's acquirer. The liability shift encourages chip adoption since any chip-on-chip transaction (chip card read by a chip terminal) provides the dynamic authentication data that helps to better protect all parties. The U.S. is the only country in the world that has not committed to either a domestic or cross-border liability shift associated with chip payments.

Today's announcement builds on similar international programs to encourage the migration to EMV chip. In February 2011, Visa announced the Technology Innovation Program for international merchants. The program, which was available beginning March 31, 2011, was intended to recognize the security benefits of dynamic authentication, enabled by EMV chip, and offer tangible benefits to merchants who update their POS infrastructure to accept chip cards. Visa has now expanded this program to include U.S. merchants, but will require terminals to support both contact and contactless chip payments.

Moving forward, as the point-of-sale payment infrastructure evolves from the static magnetic stripe to intelligent devices such as EMV chip cards and NFC mobile phones, it is critical to ensure that cardholders can continue to conduct convenient, secure and reliable payments for card-not-present transactions as well. Visa is designing its new digital wallet with "click-to-buy" functionality able to support dynamic authentication across multiple channels including the eCommerce environment. Visa will also continue to enhance intelligent network-based fraud detection tools such as Visa Advanced Authorization and cardholder transaction alerts to complement dynamic and risk-based authentication methods. As always, effective fraud prevention requires multiple layers of security.

Visa is a member of ACT Canada; please visit http://www.visa.ca.


Available in the ACT Canada Members Only section of our web site. Click on the link below to access this section.

If you are a member of ACT Canada but do not have your login details please contact me - andrea@actcda.com.

Source: NFC Times (08/19)

Rogers Wireless, Canada's largest mobile operator, is gearing up for an NFC mobile-payment launch, NFC Times has learned.

The telco is planning to work with at least one bank and probably Visa Inc. but not other Canadian operators, said the sources. Rough plans call for launching by the end of the first quarter of 2012.

Speculation for the banking partner is falling on Toronto-Dominion Bank Group, a major Visa card issuer, with 4 million card accounts. The bank has issued contactless payWave cards for about 90% of those accounts, with a total 3.6 million contactless Visa payWave cards on issue from its TD Canada Trust arm. TD announced this week it is buying the MBNA Canada credit card business from Bank of America, adding nearly 2 million MasterCard-branded cards. Both MasterCard and Visa have been active in pushing contactless card rollouts in Canada.

A TD spokeswoman would not confirm whether the bank was in serious talks with Rogers to participate in an NFC launch. "TD consistently reviews the market and discusses the best approach to offer mobile payments to our customers with many players in the mobile-payment ecosystem, including Rogers," she told NFC Times.

Rogers Wireless, part of Rogers Communications, was unavailable for comment on the planned launch. Earlier this year, vice president for new business planning, David Robinson, was quoted as saying Rogers has plans to distribute NFC phones-though he did not give a date-and was working with the GSM Association to pressure handset makers to develop NFC phones with certain features.

Those features include support for the single-wire protocol standard, which enables secure applications to be stored on SIM cards, which telcos issue to their subscribers. Rogers has been a part of the GSM Association's Pay-Buy Mobile NFC program, which has helped coordinate SIM-based NFC trials, among other activities.

In April, Rogers was part of a $19 million funding round led by American Express for U.S.-based startup Payfone, which enables consumers to purchase digital and physical goods using their mobile phone numbers to charge it back to their monthly mobile bills, bank accounts, credit cards or AmEx Serve accounts. Payfone does not now support NFC.

Rogers has been involved in at least in one NFC trial, an internal pilot in 2009 largely organized by Royal Bank of Canada. The trial tested payment with a Visa payWave application.

Last year Rogers was part of a passive sticker trial through EnStream, its joint venture with the two other major Canadian mobile operators, Bell Mobility and Telus. EnStream offers a network-based funds transfer service, Zoompass. The trial tested use of companion stickers to contactless prepaid MasterCard PayPass cards subscribers to the service could use to spend at physical stores from their Zoompass accounts.

But Rogers, which had 9.1 million subscribers at the end of the first quarter-good for a leading 36% market share in Canada-is not thought to be working with either Bell or Telus on the NFC launch, according to sources.

TD Canada Trust, MasterCard and Visa are members of ACT Canada; please visit http://www.td.com & http://www.mastercard.ca & http://www.visa.ca.

Source: RFPconnect.com (08/21)

Citi announced the launch of the Citi Corporate Chip and PIN card, a compliant smart card designed for U.S. corporate cardholders traveling abroad, a first by any U.S. commercial card issuer.

The cards, which include an embedded microprocessor, were developed in direct response to clients' needs to use their U.S. commercial cards while traveling to regions where merchants are more familiar with chip cards and for use at un-manned kiosks where an agent is not always available to run the transaction through a Point of Sale (POS) device.

"Many of our clients are leading multinational organizations with cardholders that travel extensively," said Julie Monaco, Head of North America Global Transaction Services, Citi. "They require a payment product that can meet their needs wherever their business takes them and Citi is at the forefront of bringing this product innovation to our commercial card clients."

With over one billion chip card users (both consumer and commercial) outside the United States, chip cards are the dominant technology in many parts of the world. Citi has long provided commercial chip card technology throughout Europe, Asia and parts of Latin America. The new technology will be rolled out to U.S. clients in a phased approach beginning this month.

Citi has achieved its rapid expansion around the globe by providing clients with the consistent business experience that only a common unified technology platform and lack of reliance on bank partners can provide. As a result, Citi clients around the world benefit from consistent customer service, functionality, reporting, and innovative products such as the Citi Corporate chip and PIN card.

Citi is a member of ACT Canada; please visit http://www.citi.ca.


Available in the ACT Canada Members Only section of our web site. Click on the link below to access this section.

If you are a member of ACT Canada but do not have your login details please contact me - andrea@actcda.com.

Source: Ingenico (08/25)

Ingenico announces its partnership with Globus hypermarkets for the first mobile payment pilot in Czech Republic. Launched end July 2011, it will last for six months and involve 400 clients of Telefonica, Citibank and Commercial Bank.

Payments with mobile phone by waving them over the terminals do not require a code for amount up to 500 Kc (20�), which should support the change of consumer's payment behaviour. The payment terminals for this project are all supplied by Ingenico, present in 50.000 point of sale in the Czech Republic. Most of these terminals will be ready for contactless payment in 2012.

Globus was founded in Czech Republic in 1996 and now represent 14 hypermarkets across the country. With total revenues of 27 billion Kc (over 1 billion �) and more than 30 million customers per year, its POS terminals base amounts to 800. Globus has been elected 6 times as Merchant/Retailer of the year.

Mr. Miroslav Exner, Director of IT Department Globus stated: In addition to a wide range of quality goods Globus also offers a pleasant shopping environment which includes fast and convenient payment at the cashier desk. With the early adoption of contactless payments, Globus will certainly benefit from this competitive advantage on the market."

Mobile payment will progressively become a standard way of payment in the country", said Marcel Gajdos, Manager for contactless and mobile projects Visa Europe, "The customers of Globus will be the first ones to enjoy the security, speed and convenience of this new payment method, thanks to the involvement of major players in our country".

Ingenico is a member of ACT Canada; please visit http://www.ingenico.com.

Source: ContactlessNews (08/01)

FIME, a provider of integration testing services for contact and contactless chip solutions, has become the first laboratory to achieve Interac Association accreditation to certify dual interface cards and readers.

According to FIME, this will support the mass market roll out of Interac Flash, Canada's new contactless debit service. Based on EMV requirements, Flash enables cardholders to conduct transactions at the point of sale using either the contact or contactless technology on their debit card for smaller value purchases.

Based in Montreal, FIME America laboratory will perform evaluations on products before market release to ensure they comply with Flash specifications. Successful card and terminal products will be issued with the required certification stamps, says FIME.

FIME and Interac Association are members of ACT Canada; please visit http://www.fime.com & http://www.interac.ca.


Available in the ACT Canada Members Only section of our web site. Click on the link below to access this section.

If you are a member of ACT Canada but do not have your login details please contact me - andrea@actcda.com.

Source: ICC Solutions (08/12)

ICC Solutions is delighted to announce the immediate availability of ICCSimTMat: PayPass for MasterCard qualified by MasterCard. ICCSimTMat: PayPass for MasterCard may be used to test compliance of PayPass M/Chip terminals with MasterCard PayPass requirements during the Terminal Integration Process (TIP). This test package includes the full set of test cases required for both MasterCard and Maestro.

ICCSimTMat: PayPass for MasterCard features the same high level of automation and operational efficiency as experienced in the existing Network Integration Validation (NIV) and M-TIP for MasterCard test packages previously qualified by MasterCard and in use worldwide.

ICCSimTMat: PayPass for MasterCard features easy-to-follow test instructions plus automated analysis of each test case result without suffering the logistical problems created by complex hardware and card probe configurations or having to manage large decks of test cards.

Christian Delporte, Head of Chip Engineering at MasterCard Worldwide said "MasterCard is happy to see that ICC Solutions was able to implement the new PayPass TIP test tool requirements with success. With this qualification, the ICCSim series extends the ability of ICC Solutions to provide testing tools with a new one supporting TIP in contactless mode."

According to Dave Maisey CEO / Managing Director at ICC Solutions, "ICC Solutions' welcomes this opportunity to further extend our MasterCard portfolio by offering another ICCSimTMat test package qualified by MasterCard. ICCSimTMat: PayPass for MasterCard will enable reliable, efficient and cost effective testing for MasterCard member banks during preparation and formal submission."

ICC Solutions and MasterCard are members of ACT Canada; please visit http://www.iccsolutions.com &http://www.mastercard.ca.

Source: Giesecke & Devrient (08/01)

The handover of the final research report to the German Federal Ministry of Education and Research (BMBF) at the end of July marked the completion of the biggest chip card research project in the European Union. The research results of the "BioPass" project lay the technical foundations for future electronic ID documents in the EU. There are estimated to be 380 million ID cards currently in circulation in the 27 EU member states with their total population of about 500 million. The technologies developed in the BioPass project will help to replace time-consuming and costly paper correspondence between citizens and the state by electronic communication, hence reducing the administrative expenditure of states and the EU. They also contribute to raising the security level of future electronic ID cards and passports, while accelerating the data transfer between ID document and reader device and simplifying usage of electronic services for citizens.

The chip card maker Giesecke & Devrient GmbH (G&D) and chip manufacturers Infineon Technologies AG and NXP Semiconductors Germany GmbH (NXP) were three of altogether eleven companies from six EU member states who - as from February 2008 - conducted research into the development of high-security chip card technologies in the BioPass project. The German Federal Government attaches great importance to IT security and data protection, and therefore the research project received BMBF support.

The research activities encompassed the further development of the security chips and their encryption technologies through to the development of the card operating system and security software for the Internet PCs used by citizens and public authorities alike. The research partners demonstrated that the data transfer rate between electronic ID document and reader can be increased from 848 kbit/s so far to about 6.8 Mbit/s and theoretically could be further increased to up to 12 Mbit/s. The chip card operating system developed by G&D proves that the use of future electronic ID documents on the Internet is possible without the need to install additional software components on the PC.

A number of European nations - Bulgaria, the Czech Republic, France, Greece, Hungary, Poland, Romania, and Switzerland - plan the introduction over the next few years of electronic ID cards that conform to international standards and can use technologies developed in the BioPass project.

The handover of the final report end of July 2011 marked the completion of the BioPass research project. The budget totaled some Euro 13 million, half of which was provided by the participating partners from business. The other half was covered by funds from the European EUREKA cluster CATRENE/MEDEA+, which are provided by the national governments. The German BMBF supported the BioPass project with about Euro 2.8 million under the "Information and Communications Technology 2020" (ICT 2020) program as part of the German Federal Government's High-Tech Strategy. One of the aims of the ICT 2020 program is to consolidate and strengthen Germany's position as a technology leader in the ICT and ICT security sector.

Giesecke & Devrient, Infineon Technologies and NXP Semiconductors are members of ACT Canada; please visit http://www.gi-de.com; http://www.infineon.com & http://www.nxp.com.

Source: SecureIDNews (08/04)

Advent International, a private equity firm, purchased Oberthur's card and identity divisions in a deal valuing the whole unit at more than $2.1 billion.

The founder of the French technology company, Jean-Pierre Savare and his family, are retaining a minority stake of about 10% in the business and also keeping Oberthur's fiduciary printing unit.

The new company will focus on three areas for growth in the coming years:

- The electronic payment sector will drive growth in emerging markets, as well as new developments in mature markets;
- In telecommunications, the company presents offerings which should benefit from the strong development of near field communication;
- In the Identity Division, the company will continue its work in secure documents with multiple uses (citizenship, health care, driver licenses, conditional access) and has strong growth potential.

A Dow Jones Newswire report states that Oberthur may use the proceeds from the sale to mount a bid for De La Rue PLC.

Oberthur Technologies is a member of ACT Canada; please visit http://www.oberthur.com.

Source: PYMNTS.com (08/26)

Visa, MasterCard, American Express and Discover are all preparing mPayment security applications for the ISIS mobile wallet JV from AT&T, T-Mobile USA and Verizon Wireless, according to Mobilize.

"Visa expects to license its own software, called PayWave, to the upcoming near-field communication (NFC) smartphones sold by the three wireless carriers in the Isis consortium, a Visa spokeswoman said yesterday," the site reports. (More: CrISIS at ISIS)

ISIS earlier this year announced that contactless payment pilots would begin in early 2012 in Salt Lake City and Austin, Texas.

"The scheme would replace credit card and cash payments with an specially equipped smartphone passed near an NFC terminal," Mobilize explains."Phone users would basically have the same credit from a bank as with an existing credit card."

Though initially partnered exclusively with Discover, ISIS in July announced it would be collaborating with Visa, MasterCard and American Express as well. ISIS also shifted its focus from introducing an mCommerce network to instead creating a digital wallet solution.

"The Visa spokeswoman said on Thursday that customers of the three Isis carriers will have the opportunity to buy smartphones preloaded with its PayWave technology," Mobilize added in its report. "MasterCard, which calls its contactless payment software Pay Pass, and Discover and American Express are expected to follow the same approach."

American Express, Discover, MasterCard and Visa are members of ACT Canada; please visit http://www.amex.ca; http://www.discovercard.com ; http://www.mastercard.ca & http://www.visa.ca.


Available in the ACT Canada Members Only section of our web site. Click on the link below to access this section.

If you are a member of ACT Canada but do not have your login details please contact me - andrea@actcda.com.

Source: MasterCard (08/16)

MasterCard Canada welcomes the announcement Monday that the TD Bank Group is acquiring the MBNA Canada credit card portfolio, which has been owned by Bank of America since 2006. When the transaction is complete, it will position TD as one of the largest issuers of MasterCard cards in Canada.

"As the only credit card network to have added three new issuers in less than two years, we are thrilled to welcome another to the MasterCard family," said Betty K. DeVita, President of MasterCard Canada. "MasterCard brings innovative payment technologies to consumers, merchants and businesses; we look forward to continuing our relationship with current MBNA cardholders and future TD cardholders."

During the transition period cardholders will continue to receive existing MasterCard benefits such as zero liability and access to technology such as PayPass.

MasterCard and TD Bank are members of ACT Canada; please visit http://www.mastercard.ca & http://www.td.com.

Source: Apriva (08/15)

Apriva announced that its point-of-sale (POS) gateway processed transactions worth over $1.76 billion during the second quarter of 2011, eclipsing the mark of $1.53 billion set during the previous quarter. The company, which is considered among the market leaders for wireless payments providers in North America, said that its gateway handled on average $20 million in transactions on a daily basis during the second quarter, representing a 15 percent increase over Q1 results.

"We are extremely pleased with the steady growth that Apriva has achieved so far this year," said Paul Coppinger, President of Apriva. "One of the most satisfying aspects of this success is the fact that every one of our POS initiatives is performing well. Our core gateway business continues to demonstrate growth, while both our AprivaPay mobile payment application and Apriva Vend� cashless payments service are thriving in their respective sectors."

"While Apriva's core gateway business has historically been the focal point of the company's go-to-market strategy", Coppinger said, "Apriva's rapid ascension in both the mobile payment application and vending spaces are key factors for the recent results."

"We're seeing that several strategic developments are beginning to take hold," he explained. "Our relationship with AT&T and other leading providers has certainly played a role in the uptake of the AprivaPay mobile payment application. And our strategic partnership with MEI, the global leader in payment acceptance technology, has helped propel the penetration of our Apriva Vend end-to-end cashless payment solution within the vending space."

Released last year, AprivaPay is a full-featured payment application designed for both smartphones and browser-based mobile phones. The smartphone version of AprivaPay is compatible with numerous devices, including iPhone, Android, BlackBerry, and Windows Mobile phones. AprivaPay offers features which enable merchants to better serve customers. In addition, AprivaPay offers integration with more optional printers/card readers than any other payment application provider, giving our merchant customers more choices of platforms and accessories.

An end-to-end solution, Apriva Vend gives operators the ability to cost-effectively integrate cashless vending into their operations to improve customer satisfaction, increase operational efficiency, and capture better sales and profit margins. Apriva Vend's comprehensive services incorporate system hardware and software, wireless connectivity, transaction and alarm reporting capabilities, and integration with leading payment processors and financial institutions.

"Apriva's recent success should not surprise anybody," said Brent Iadarola, global research manager for Frost & Sullivan's mobile and wireless communications practice. "The company has been at the forefront of developing reliable and secure wireless payments technologies for years. I would expect that-based on Apriva's track record, strong distribution network and penchant for innovation-their growth will continue for the foreseeable future."

Apriva is a member of ACT Canada; please visit http://www.apriva.com.

Source: NXP Semiconductors (08/30)

NXP Semiconductors N.V. announced that Turkcell, the leading communications and technology company in Turkey, has selected the PN544 near field communication (NFC) radio chip for Turkcell's recently launched T20 smartphone. The T20 handset, manufactured by Huawei, is one of the world's first commercially available low-cost Android NFC-enabled smartphones. This NFC-enabled mobile phone will allow consumers to perform a variety of secure contactless transactions from convenient payments, data sharing, public transport, event ticketing and access control, while providing a secure, flexible and interoperable canvass to create the next experience in mobile-on-the-go.

The Turkcell T20 is already pre-loaded with Turkcell Cep-T C�zdan; a mobile wallet service from Turkcell developed by Turkcell Technology on Gingerbread 2.3.3 OS. Via the NFC-enabled phone, consumers can transform their physical wallet into a mobile one and provide an easy to use and secure mobile transaction environment for all the daily needs of Turkcell's subscribers. Cep-T C�zdan subscribers can also benefit from the discovery screen in the UI that allows them to know which cards they can include in their mobile wallet.

Offering secure data storage, payment and transaction, the T20 handset uses a secure element in the SIM card, which is connected to NXP's NFC chip, PN544, via the single wire protocol (SWP). The resulting NFC solution enables secure wireless two-way communication between the T20 Smartphone and other phones, terminals or readers. NXP provides a fully compliant end-to-end NFC platform for handset manufacturers and operators enabling next generation NFC devices and services. Complementing the secure NFC solutions, NXP offers a complete open source software stack for NFC which is fully integrated and validated on the Gingerbread Android� platform.

"NFC technology is instrumental in helping us to achieve our ambition of increasing the penetration of mobile contactless innovations in the Turkish market," said Cenk Bayrakdar, Chief New Technology Business Officer, Turkcell. "Working with NXP, we were able to build a feature-rich, interactive and flexible mobile wallet solution through the open source Android platform. This is our first commercial smartphone developed on Gingerbread 2.3.3 OS and we are extremely pleased to be first to market with this innovation in Turkey."

"NFC offers a truly exciting technology that will enhance every aspect of the mobile experience for consumers. Working with NXP, we are able to quickly bring to market the latest NFC enabled handsets and mobile devices on a global scale while maintaining low implementation and development costs," said An?l �ztekin, Turkcell Sales Director, Huawei Turkey Terminal Department.

"NXP co-invented NFC with the aim of putting the mobile phone at the centre of the consumer's world - the launch of the T20 is a significant achievement and truly supports our ambition to enable more and more NFC-based services around the world," said Jeff Miles, vice president, mobile transactions, NXP Semiconductors. "We have created secure NFC solutions that can support a variety of mobile wallet applications to help mobile handset manufacturers, banks, retailers and network operators offer new services to diversify their business and provide added value to customers."

NXP has demonstrated that customers can now build secure NFC-enabled mobile wallets using an embedded secure element, secure element in the SIM, or micro-SD based secure element. The company offers secure and flexible solutions for all configurations and use cases.

NXP Semiconductors is a member of ACT Canada; please visit http://www.nxp.com.

Source: Visa (08/30)

Visa announced that 43 Toronto Parking Authority (TPA) Green P lots in the City of Toronto have joined a growing roster of Visa payWave contactless payment enabled merchants across Canada. Drivers in Toronto will now be able to simply "wave and go" when parking in one of 11,600 parking spaces in the city.

"We know Torontonians are busy, and we want to take care of them as efficiently as possible," said Gwyn Thomas, TPA President. "Visa payWave will help save our customers time as they can enter and exit our lots much quicker."

Now, when Visa payWave cardholders enter one of TPA's 43 Visa payWave enabled parking lots in Toronto, they can simply wave their card close to the contactless terminal to gain access to the parking lot. The contactless terminals will bear the Visa brand mark and the universal contactless symbol which is also displayed on the card. When exiting, the cardholder will once again wave their Visa payWave card close to the contactless terminal to process the final payment. Once the receipt is issued, the driver will be allowed to exit.

TPA has also added contactless terminals to its Zeag pay on foot pay stations, so drivers who take a ticket when entering a lot can use Visa payWave to pay for their parking at these stations before they return to their cars and depart.

"The increased speed of contactless payments is a perfect fit for a high volume business like a parking garage," said Mike Bradley, Head of Products, Visa Canada. "Green P has a long history of innovation in the parking industry in North America, and we're pleased to help them serve their customers more quickly and securely with Visa payWave."

Visa is a member of ACT Canada; please visit http://www.visa.ca.


Available in the ACT Canada Members Only section of our web site. Click on the link below to access this section.

If you are a member of ACT Canada but do not have your login details please contact me - andrea@actcda.com.

Source: Collis (08/04)

Collis is very pleased to announce that the latest CPV version 4.2 module in the Collis EMV Personalisation Validation Tool (PVT) has been qualified by MasterCard WorldWide.

The Collis EMV PVT is up-to-date with the latest version of specifications from MasterCard WorldWide. Professional testing of personalised MasterCard� EMV/PayPass� cards is essential to ensure global acceptance of cards. Collis' newly developed CPV module checks if MasterCard cards are correctly personalised according to the latest MasterCard specifications.

The new MasterCard CPV 4.2 module ensures compliance with the following MasterCard WorldWide standards:

  • M/Chip Requirements - June 2010
  • M/Chip Personalization Data Specifications and Profiles - June 2010
  • PayPass Personalization Data Specifications, Version 1.6 - June 2010,
  • OneSMART Pre-Authorized Solution Guide - January 2005
  • M/Chip Card Personalization Standard Profiles - 1 April 2011
  • M/Chip Card Personalization Standard Profiles Including PayPass - 1 April 2011

These standards have been regrouped by MasterCard WorldWide in the version 4.2 of the CPV Test Requirements.

The CPV module within the Collis EMV PVT enables issuers of MasterCard cards to speed up their personalisation process and reduce their time-to-market. The Collis EMV PVT, with the MasterCard CPV 4.2 module, maintains its status as the most thorough, comprehensive testing tool available in the market today.

Christian Delporte, Head of Chip Engineering at MasterCard Worldwide said: "We are glad that yet another version of Collis' CPV module has passed qualification. It broadens the offer of test tools available to MasterCard issuers, card manufacturers and personalization bureaus. We are confident that MasterCard issuers will directly benefit from Collis' tool upgrade."

Collis CEO, Dirk Jan van den Heuvel added: "Collis is proud to continue maintaining its market- leading status for personalisation validation testing with the award winning Collis EMV PVT. This test tool is of great value to all its users including MasterCard member banks and card issuers. Collis will continue to offer the most up-to-date test tools to the market to ensure that all issuing parties can adhere to MasterCard (test) specifications and issue correctly personalised, interoperable cards for global use. "

Collis and MasterCard are members of ACT Canada; please visit http://www.collis.nl & http://www.mastercard.ca.

Source: Coinamatic (08/18)

Coinamatic Canada Inc., Canada's largest laundry route operator and the Canadian leader in the innovation, development and delivery of customized multi-residential and commercial laundry solutions, announced that it has signed a definitive agreement to acquire Venda Wash, Atlantic Canada's largest laundry route operator, effective August 31, 2011.

The acquisition of Venda Wash increases Coinamatic's market share in Atlantic Canada enhancing the companies' future growth and performance as well as offering true "coast to coast" coverage to our valued Clients and Customers.

Sean Smith, President and CEO of Coinamatic states that "We are excited about joining forces with Venda Wash. Our two organizations share a focus to the customer experience that can best be summarized as high integrity in all that we do, fair dealing and delivering exceptional levels of service. We plan to extend our focus to include commercial laundry solutions in Atlantic Canada and continue to grow our base of customers".

Dean Pike, General Manager and part-owner of Venda Wash comments that "The management and staff of Venda Wash Coin Laundry Systems Inc. are extremely happy to be joining forces with Coinamatic Canada Inc. Being acquired by the largest Route Operator in Canada will open up many more opportunities and advancements in technologies which will be to the benefit of the existing customer base of Venda Wash. This is an exciting new chapter for Venda Wash and while the name will change, the faces will remain the same."

Coinamatic is a member of ACT Canada; please visit http://www.coinamatic.com.


Available in the ACT Canada Members Only section of our web site. Click on the link below to access this section.

If you are a member of ACT Canada but do not have your login details please contact me - andrea@actcda.com.

Source: YESpay (08/01)

New software developed by YESpay International and Itim has been instrumental in the launch of Pennies, the electronic charity box, onto the high street for the first time. Through 57-store children's toy shop chain, The Entertainer, consumers now have the choice to round up their card purchases to the nearest pound and make a micro-donation to charity as they pay. All the money raised goes to charity.

To date Pennies has been available online with Domino's Pizza and Travelodge, as well as in Zizzi restaurants. Since the first retailer launch in November 2010, 577,000 consumer donations have been made through Pennies, raising �136,000 for a total of 18 UK charities. The majority of the individual donations made have been 10p or less, demonstrating how pennies add up to pounds.

YESpay has incorporated the "Pennies solution" into its payments software which is supplied to partners and merchants. Itim has integrated the YESpay application with the Itim point of sale and back office software. This additional functionality has enabled The Entertainer to implement Pennies simply and quickly in its stores. It will also make Pennies implementation simple for other YESpay and Itim merchants, allowing them to easily and cost-effectively participate in a growing micro-donation movement which is proving popular with UK consumers and starting to make a difference for charities too.

The majority of the money raised by The Entertainer will be shared equally between four children's hospitals, Alder Hey Imagine Appeal, Birmingham Children's Hospital, Wallace & Gromit's Grand Appeal which fundraises for Bristol Children's Hospital and Great Ormond Street Hospital Children's Charity. The remainder will be divided between ten other UK charities covering a range of causes including the elderly, cancer support and arts & education.

The Entertainer is the largest independent retailer of toys in the UK, with 30 years' experience. The Entertainer is involved with many charities big and small and stores are encouraged to get involved with their local community.
The key features of Pennies are:

  • It's affordable - micro-donations of pennies not pounds.
  • It's a choice to give - no commitment, no personal details required.
  • It's simple and quick to do - a one-touch process to donate.
  • It's a private, no hassle decision - the question is asked discreetly on the Chip & Pin machine.

YESpay International is a member of ACT Canada; please visit http://www.yes-pay.com.

For more information, please contact Andrea McMullen at 1 905 426-6360 ext 124 or email andrea.mcmullen@actcda.com.

Please forward any comments, suggestions, questions or articles to andrea.mcmullen@actcda.com. Please note that articles contained in this newsletter have been edited for length, and are for information purposes only.