Engaging, Enabling and Evolving Commerce in Canada since 1989

May 2012 ACTion Newsletter


  1. Editorial - It's that time of year again!
  2. CIBC & Rogers Unveil The Future Of Mobile Payments In Canada
  3. Financial Industry Announces Guidelines For Mobile Payments In Canada
  4. MasterCard Forms Group To Boost EMV Migration In The United States
  5. Google Wallet May Be Permanently Disabled By A Simple Factory Reset  – Members Only Access
  6. Latest EMVCo Figures Reveal Continued Market Adoption of EMV Technology
  7. Now Serving...Visa at Tim Hortons
  8. American Express Brings Mobile Wallet to Isis Mobile
  9. PayPal Emerging As World's "Fifth Payment Network"  – Members Only Access
  10. MasterCard Announces PayPass Wallet Services
  11. G&D Announces Mobicore Integrated Security Platform To Support Samsung Galaxy S Iii In Europe
  12. Delineating the Mobile Value Chain: A Holistic View of Mobile Payments
  13. Ingenico, Vantiv Partner for EMV, NFC Mobile in U.S.
  14. Knowledge of Mobile Payments Lacking in Industry, Finds Study  – Members Only Access
  15. Gemalto Signs Multi-Year Contract With the United Kingdom Driver And Vehicle Licensing Agency
  16. Visa Debit Takes Flight with Air Canada
  17. FIME Certifies Qatar National Bank NFC Payments Solution According to Mobile MasterCard PayPass Specifications
  18. Mobile Payments Coming To A Loyalty/Deals App Near You – Members Only Access
  19. RBC Introduces Virtual Visa Debit
  20. Mercury Payment Systems Acquires Sundrop Mobile
  21. Mobile Payments Already Exceed Cheques – Members Only Access
  22. Ingenico and POS Portal Lead The Way In Providing ISOS And Merchants With POS Devices Ready To Accept Secure EMV And NFC Mobile Payments
  23. NXP Powers NFC in the Samsung Galaxy S Iii
  24. Cardlytics Brings the Power of Transaction-Driven Marketing to Credit Card Portfolios
  25. Isis Mobile Wallet Will Be Accepted At Hundreds Of Merchant Locations Across Austin And Salt Lake City  – Members Only Access


ACT Canada Partner


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.

ACT Canada Thanks Our New & Renewing Members


EWA-Canada Ltd. ~ member since 2004


Apriva ~ member since 2009

Cassels Brock & Blackwell LLP ~ member since 2011

MoneyCell- DH International Ltd ~ member since 2010


LifeCycle Integrity ~ member since 2005


ACT Canada will be launching a Job opportunities section on our web site later this week.  Please visit http://www.actcda.com to see the latest job postings in our industry.


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

  • CSCIP training & workshops - training will take place on June 18th & exam will take place June 20th
  • Leap of Innovation, hosted by YESpay International - June 18th
  • Mobile Payments and Security, hosted by Collis - June 18th
  • Merchant 1/2 Day Workshop - June 19th

Source: Catherine Johnston, President & CEO, ACT Canada (05/30)

It's that time of year again!

Conferences can be described as a necessary evil, because they run the gamut from really bad (but the location was great) to really good (it helped my career).  The EMV in the US roadshow has taken me to 6 so far this year and they were all on the + side.

Cardware 2012: Payment Insights is less than 3 weeks away.  I know that I have a bias when it comes to this, our 23rd annual conference, but this is why I think you should attend.

  1. The program is designed to educate, not "sell".  Aren't we all tired of speakers who think we are primarily interested in the size of their companies!
  2. You will meet people from every single payment stakeholder group; issuers, acquirers, merchants, payment brands, regulators, suppliers, consumer representatives, mobile network operators.  At this stage of the m-commerce market, the conversations you'll have and the relationships you'll form can be invaluable.
  3. Insights – information is only valuable if it is timely, relevant to you and can advance your goals.

Cardware consistently ranks high with delegates in all these areas.  Come for the networking, for the insights, for your company's benefit and for your own career advancement.


Source: Canada Newswire (05/15)

CIBC and Rogers Communications announced an agreement to launch Canada's first joint mobile payment solution, allowing Canadians to pay with their CIBC credit card at the checkout counter using their Rogers "Near Field Communications" (NFC) enabled smartphone. Beginning later this year, customers will be able to use this payment capability at merchants across Canada where contactless credit card payments are accepted.

This announcement represents the first time a bank and a wireless carrier have joined forces to offer a commercially available mobile payments solution to Canadians that leverages the secure SIM card inside an NFC-enabled Rogers smartphone. This new solution aligns to guidelines announced yesterday by the Canadian Bankers Association for mobile payments in Canada, as well as those developed by respected international associations such as the GSM Association (GSMA), the association of mobile operators and related companies dedicated to standardizing and supporting GSM technology.

"As the leader in delivering mobile financial services innovations in Canada, we are pleased to introduce yet another innovation in the market that will shape the payments experience of the future," commented David Williamson, Senior Executive Vice President, Retail and Business Banking, CIBC. "By teaming with Rogers, CIBC clients will soon enjoy the convenience of paying at the checkout with their mobile device while enjoying the existing benefits of their CIBC credit card, including loyalty rewards."

"Canadians are embracing new technologies at an accelerated pace and we know they're interested in using their smartphone for mobile payments," said Rob Bruce, President of Communications, Rogers Communications. "We've been laying the foundation for mobile commerce and the ecosystem is ready to give Canadians the convenience, security, and peace of mind they deserve," said Bruce. "Today's announcement with CIBC represents an important first step toward a whole new world of mobile transactions which is a key growth area for the company."

Some of the key features of the new mobile payments solution include:

  • Full access to a client's existing CIBC credit cards on their smartphone at no extra cost - whether Visa or MasterCard - this gives clients the opportunity to earn loyalty points on purchases as they do today.
  • Multiple layers of security - Paying with your NFC-enabled smartphone will be as secure as using your credit card today. Clients will receive the same fraud protection they do with their contactless credit card, and secure encryption technology will add to the layers of security already in place on credit card purchasesClients will also have the option to set additional password protection.
  • No "stickers" on your phone - this new payment capability will leverage the secure SIM card inside a mobile device for payments, meaning clients can manage their credit card credentials on a secure platform, and won't need to worry about stickers attached to their phone.

This new CIBC mobile payments capability will be available on select BlackBerry® smartphones on the Rogers wireless network when the solution launches later this year, with additional device choices for clients available following launch.

MasterCard's Mobile Payments Readiness Index ranks Canada ahead of the United States and second out of 34 countries.  A key finding emphasizes that partnerships among the key players in the mobile payments ecosystem - financial institutions, payment networks, telcos, governments, technology providers - are essential to accelerate the commercialization of mobile payments.

CIBC is a member of ACT Canada; please visit http://www.cibc.com.

What is the future of mobile payments in Canada?  Join us for the Mobile Strategic Leadership Team's findings at Cardware 2012: Payment Insights, June 19-20, Niagara Falls, ON, Canada – Visit http://www.actcda.com/calendar/act-canada-events/cardware-2012-payment-insights/

Source: Canadian Bankers Association (05/14)

As Canadians continue to adopt mobile technology and as demand for mobile payments capability continues to grow, the banking industry and credit union system today announced a set of voluntary, secure, open guidelines for the development of mobile payments at point-of-sale in Canada.

The voluntary guidelines, technically known as the Mobile Reference Model, will serve as a blueprint for how mobile payment capabilities can be offered in the Canadian market, including guidelines around how information is exchanged among various parties to a transaction including financial institutions, payment card companies, telecommunications companies and merchants. While voluntary, the financial institutions that developed the guidelines are committed to these principles in the mobile market, and these guidelines are intended to create a path to help all market participants move forward in developing mobile payment solutions.

Canadians are looking forward to being able to pay at point-of-sale with their mobile device, and today's announcement of guidelines for mobile payments in Canada brings this closer to making it a reality. By developing a set of guidelines that all participants in the payments marketplace can work within, the goal is to ensure safety, security and ease of use for merchants and consumers while allowing for innovation and competition among market participants.

The guidelines are designed to provide clarity to the marketplace as various participants consider how they will meet the growing demand for mobile payments in Canada. These guidelines were developed as an outcome of the federal government's Task Force for the Payments System Review in 2011, and provide definition for a fair, transparent, and competitive Canadian market for emerging payment options with mobile devices.

The guidelines were developed cooperatively by major Canadian banks and credit union groups1, to support innovation in the marketplace. Specifically the guidelines will benefit the market in a number of key areas:

  • Enabling Innovation: The guidelines provide a common framework for how mobile payments capabilities can work with existing payments systems such as contactless readers, which are already widely installed across Canada. A common foundation for mobile payments allows all market participants to benefit      from the work done so far and to focus on delivering unique competitive offers to consumers.
  • Providing Clarity and Efficiency: A common framework allows for efficiency in the market in developing new mobile payments solutions for Canadians, as individual service providers will benefit from the foundation provided in these guidelines and can focus their investment on adding value for consumers.
  • Delivering Continued Security: The guidelines are designed to work with existing, secure contactless payment technology already in place today. This benefits      merchants and consumers by building on an existing system, and leveraging the same high security standards used by today's chip-enabled credit and debit cards.

The mobile payment guidelines have been developed to be in full compliance with Canadian regulations and will respect the Code of Conduct for the Credit and Debit Card Industry in Canada. We look forward to working with the federal government on adaptations to the Code of Conduct to reflect emerging issues related to mobile payments.

As part of the process of establishing the guidelines, outreach was undertaken with a wide range of industry stakeholders to ensure the guidelines met the foundational needs of all parties for an open, fair, and secure system for mobile payments, and this dialogue is ongoing.

The Mobile Reference Model (Guidelines) can be found on the CBA web site – http://www.cba.ca.

Looking for learnings based on past experiences?  Join us for the "Consumer Value Proposition Panel – What Can Mobile Learn from Previous Payment Innovation" at Cardware 2012: Payment Insights, June 19-20, Niagara Falls, ON, Canada – Visit http://www.actcda.com/calendar/act-canada-events/cardware-2012-payment-insights/

Source: Contactless News (05/25)

MasterCard has proposed the formation of a cross-industry group designed to promote collaboration and alignment between networks, issuers, merchants, manufacturers and other groups in the implementation of EMV technology in the United States.

The group would focus on several key areas, such as providing guidance on non-proprietary technical issues, standardizing the consumer experience, and creating a set of common terms, descriptions and guidelines for EMV-enabled devices and terminals.

MasterCard emphasized the need for industry alignment regarding the implementation of EMV standards, as well as introducing the need for securing all channels including the ATM.

Discussions regarding the activation of this group have begun and details will be made available over the next few weeks, as the industry continues to join together and the formal structure of the group is formed.

MasterCard is a member of ACT Canada and a Cardware 2012 sponsor; please visit http://www.mastercard.ca.

Join us for the "Stakeholder Engagement & Alignment" panel at Cardware 2012: Payment Insights, June 19-20, Niagara Falls, ON, Canada – Visit http://www.actcda.com/calendar/act-canada-events/cardware-2012-payment-insights/


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: ICMA Industry News (05/10)

Official figures released show that 45 percent of all payment cards and 76 percent of all payment terminals in circulation globally* are based on EMV technology.

The data from EMVCo, the EMV standards body jointly owned by American Express, JCB, MasterCard and Visa, represents the latest statistics from their respective member financial institutions worldwide as reported in Q4 2011. The figures demonstrate that EMV technology continues to gain momentum with in excess of 1.5 billion EMV payment cards in circulation and 21.9 million EMV terminals active worldwide.

Source: Canada Newswire (05/15)

Visa and Tim Hortons are pleased to announce that Canadians can use Visa credit and prepaid cards to purchase coffee, breakfast, lunchor other menu items in restaurant and at the drive-thru, at any of Tim Hortons' more than 3,300 locations across Canada.

The relationship brings together Canada's biggest payment brand with Canada's most popular and largest quick service restaurant chain, providing consumers with greater choice in payment options at point of sale in addition to the speed and security Visa is known for. Tim Card cardholders may also use either Visa or Visa Debit to reload their balance online at www.timhortons.com, with Visa Debit being the ideal choice for those consumers who wish to make online purchases using funds drawn directly from an existing bank account.

"We're excited to be bringing the convenience, speed and security of Visa payments to Tim Hortons restaurants across the country," said Jim Allhusen, Country Manager, Visa Canada. "Having Canada's most popular restaurant chain accept Visa reinforces the tremendous value that comes with Visa acceptance, while meeting consumer demand for payment choice at the register."

"Tim Hortons is pleased to align with Visa to offer our guests the convenience of using their Visa card to pay for purchases in our restaurants or on our website," said Roland Walton, Chief Operations Officer, Tim Hortons. "We are committed to providing our valued guests with a wide variety of delicious menu selections and with the addition of Visa, we can now offer them an even wider variety of payment options too."

Visa is a member of ACT Canada and a Cardware 2012 sponsor; please visit http://www.visa.ca.


Source: MobileMarketingWatch (05/11)

American Express and Isis announced another new addition to the "family."

Isis will make American Express' U.S. Consumer, OPEN Small Business and Serve Cards available in the Isis Mobile Wallet.

For the time being, however, this roll-out will take place in only select markets.

American Express Cardmembers will be able to shop, tap and pay with their mobile device equipped with Near Field Communications technology, starting in Salt Lake City, Utah and Austin, Texas later this year.

"Now our Cardmembers and merchants can benefit from the ease and convenience of a tap-and-go experience on a mobile phone and still enjoy the benefits, services and support of American Express," said Josh Silverman, President, U.S. Consumer Services for American Express.

"The relationship with American Express underscores our commitment to ensuring a flexible and inclusive platform that offers consumers choice in mobile payments while delivering new opportunities for merchants to connect with consumers," adds Michael Abbott, CEO of Isis. "Today's announcement is testament to the vision and commitment of American Express to make mobile commerce a real and positive experience for their customers."

Although American Express is the latest big name to join forces with Isis, it all but certainly won't be the last.

American Express is a member of ACT Canada and a Cardware 2012 sponsor; please visit http://www.americanexpress.com.

Join us for the "Business & Technology Issues of Mobile Wallets" at Cardware 2012: Payment Insights, June 19-20, Niagara Falls, ON, Canada – Visit http://www.actcda.com/calendar/act-canada-events/cardware-2012-payment-insights/


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: Datamonitor via COMTEX (05/22)

MasterCard has announced PayPass Wallet Services, a new global offering for banks, merchants and partners that will make customers purchase in stores or online.

PayPass Wallet Services delivers three distinct components, PayPass Acceptance Network (PayPass Online and PayPass Contactless), PayPass Wallet and PayPass API. American Airlines and Barnes & Noble will be among the first merchant partners to incorporate the PayPass Online checkout button on their websites, and American will integrate PayPass Wallet into its mobile application.

"Consumers are looking to pay for goods when, how and where they choose. Merchants want flexibility to easily accept digital payments so they can convert more browsers to buyers both online and in store," said Ed McLaughlin, chief emerging payments officer, MasterCard. "We realize that when it comes to payments, no single wallet will rule them all. PayPass Wallet Services simplifies the shopping experience while providing flexibility and choice to merchants, banks and consumers." MasterCard will make PayPass Wallet Services available to partners in the third quarter of 2012, initially in the US, Canada, UK and Australia and, subsequently, will include other countries. PayPass Wallet Services will be expanded to the point of sale over time to create an end-to-end shopping experience for consumers providing additional services such as: at-a-glance account information before making a purchase; spending controls and alerts received in real time; and delivery of targeted offers, coupons and enhanced loyalty programs.

"At American Airlines, we're passionate about giving our customers more flexibility and functionality on their mobile devices," said Richard Elieson, managing director, Interactive Marketing at American Airlines. "By integrating PayPass into our mobile app, payment transactions become fast and easy and provide the security you would expect from a brand like MasterCard." "Consumers are at a pivotal point now where smartphone adoption has exploded and well over 50 percent of Americans now own one," said Marc Parrish, vice president of retention and loyalty marketing for Barnes & Noble.com. "The technology that will allow customers to make mobile payments at the point of sale has already begun to make a difference, and Barnes & Noble is proud to be leading retail in this technology shift."

MasterCard is a member of ACT Canada and a Cardware 2012 sponsor; please visit http://www.mastercard.ca.


Source: Giesecke & Devrient (05/04)

Giesecke & Devrient (G&D) announced that its MobiCore security platform will be integrated in Samsung GALAXY S III smartphones distributed in Europe. Thanks to MobiCore, the NFC-capable smartphone from Samsung will be the first mobile device to boast a protected area on its application processor in which security-sensitive applications can be securely run and downloaded dynamically. The MobiCore platform will provide a secure execution environment for mobile payments authentication, emails or corporate VPN access.

The first application installed in the Mobicore-protected area on the Samsung GALAXY S III is a digital rights management (DRM) application which provides digital content with effective protection against misuse. In addition, G&D's Trusted Service Management (TSM) solution will enable organizations such as network operators and banks to install and customize additional security-critical apps in the protected area of the smartphone. Samsung GALAXY S III, with integrated MobiCore security platform, will be made commercially available first in Europe and will then be rolled out globally.

Giesecke & Devrient is a member of ACT Canada, a Cardware 2012 sponsor and Exchange Place Expert; please visit http://www.gi-de.com.

Join us for "Security & Privacy in a Mobile World: How Does Technology Make it Work?" at Cardware 2012: Payment Insights, June 19-20, Niagara Falls, ON, Canada – Visit http://www.actcda.com/calendar/act-canada-events/cardware-2012-payment-insights/


Source: Greensheet.com (05/23)

Ingenico and Vantiv, Inc. announced that the processor has chosen Ingenico's new generation Telium series point‐of‐sale (POS) products coupled with Vantiv point‐to‐point encryption (P2PE) solution for marketing and sale to its financial institution and merchant customers in the United States.

In a proactive move to facilitate the migration to more secure EMV chip‐based and NFC mobile payments in the U.S., the two companies collaborated and completed the Class A certification of the Telium series devices. The certification covers a comprehensive range of Ingenico's Telium devices including iCT220 & iCT250 countertop terminals, iWL220 & iWL250BT (bluetooth) wireless devices, and iPP220 & iPP320 PIN pads.

The entire Telium range of products is designed to comply with the industry's most stringent PCI PTS security requirements and combine the latest POS technologies. The new Ingenico POS products fully support Vantiv P2P card data encryption solution to enable merchants to conveniently and securely accept electronic payment.

"As one of the leading integrated payment processors and provider of payment related technologies, Vantiv is committed to remain on the cutting edge of industry trends and is continuously seeking to provide our customers with the best‐in‐class, most secure technologies that are available in the market today," said Bill Weingart, Chief Product Officer at Vantiv.

"In the U.S., the current dynamic changes in the payments ecosystem insights us to take a proactive approach. We are prepared to arm financial institutions and merchants with POS devices that are ready and capable to accept any type of transactions that their business demands today and in the future. Ingenico and its latest generation Telium range POS products represent exactly the class of innovative, secure and comprehensive solutions that our customers are counting on Vantiv to provide."

Built around Ingenico's Telium 2 architecture and EMV Level 2 kernel, the Telium range comes standard with all payment technologies already embedded such as contactless and NFC and ready to activate, so there is no need for add‐on devices or components. This provides merchants with flexibility to seamlessly accept EMV, NFC, contactless and traditional magnetic strip cards.

"We are very pleased with Vantiv's decision to add Ingenico's new generation Telium range of products to their portfolio of payment solutions and view it as a true testament to our continued engineering innovation and commitment to provide the most advanced POS products," said Thierry Denis, president of Ingenico, North America.

"With a footprint of 17 million terminals globally, 14 million of them processing EMV transaction daily, we bring years of EMV chip based technology expertise and implementation to our partnership with Vantiv. We feel confident that Vantiv has chosen a solid POS partner who is well‐positioned to respond to their customers' demanding transaction acceptance needs by equipping them with highest‐performing POS products in market capable to support traditional magstripe cards and the new types of payment inclusive of EMV, contactless, and NFC‐enabled mobile payments. "

Ingenico is a member of ACT Canada and a Cardware 2012 Exchange Place Expert; please visit http://www.ingenico.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: Gemalto (05/03)

Gemalto announced that it has been selected by the Driver and Vehicle Licensing Agency (DVLA) to supply in the range of 40 to 80 million secure Sealys documents for a variety of official permits. These include in particular digital tachograph cards, the next generation of highly-secure polycarbonate driver's licenses, and  biometric residence permits, in a multi-year contract.

The DVLA will begin deploying the products in 2013 using Gemalto's EU-compliant eco-friendly Sealys polycarbonate portfolio of secure documents, fitted with unique security features such as Sealys Edge Sealer, a feature unique in the market comprising a laser engraving process applied during the production stage to the edge of the polycarbonate document, adding an additional layer of security. Furthermore, with Gemalto's Sealys Laser Sealer feature, the laser-engraved images will be digitally enhanced to include an additional visible security pattern, which prevents modification of the photo without leaving visible marks.

The move by the United Kingdom's Driver and Vehicle Licensing Agency is in keeping with the European Commission initiative to create a standard format driver's license across the European Union, made of high quality polycarbonate documents with high level security features. Gemalto's Sealys Biometric Residence Permit is not only compliant with European specifications and the latest ICAO standards, providing temporary residence entitlement for non-EU citizens, it is also offering enhanced security features unmatched on the market.

The agreement has been entered into with Gemalto UK Ltd., the Fareham based central hub for Gemalto in the UK, that is in charge of managing the entire project. Gemalto will also be working closely with the DVLA  to enable the personalization of the products directly by the DVLA.

"The DVLA is recognised as a centre of excellence for the issue of high security national documents like the Driving Licence and Biometric Residence Permit," commented Simon Tse, Chief Executive Officer of DVLA. "The new contract we have signed today delivers millions of pounds of saving for the UK taxpayer and allows DVLA to issue even more secure driving licences, and provide the next generation of high security smart cards for other parts of UK government. We look forward to working with Gemalto to ensure the UK's  cards remain among the most secure in the world."

Jacques Seneca, Executive Vice President at Gemalto, said: "Gemalto is honored and delighted to be working with the DVLA in this prestigious landmark UK project. Our size and global efficiency enables such large projects to benefit from significant savings at critical times for governments, and our recognized expertise in developing secure documents and long experience in working with governmental bodies around the world ensures a strong track record for the success of the project".

Gemalto is a member of ACT Canada and a Cardware 2012 sponsor; please visit http://www.gemalto.com.


Source: Canada Newswire (05/09)

Visa Canada and Air Canada announced that Canadian Visa card holders will now have the convenience to purchase Air Canada tickets using Visa debit.  Beginning in May, customers can take advantage of using the Visa debit card as a payment option for scheduled passenger services purchased online, through Air Canada's website, or over the phone through Air Canada Reservations.

Visa debit represents an evolution in payments technology allowing one-step online electronic debiting of funds without requiring customers to sign in to their bank account.   As Canadians continue to engage in eCommerce in record numbers, Visa debit addresses the gap that currently exists for debit functionality within the online space, providing Canadians with increased accessibility and payment choice.  Importantly, all purchases made with Visa debit are backed by Visa's multiple layers of security, which helps to reduce the risk of fraud through Visa's Zero Liability Policy, Verified by Visa, E-Promise, AVS (Address Verification Service) and CVV2 (the three-digit code).

"We're pleased to announce that customers of Canada's largest airline can now enjoy the enhanced benefits of Visa debit technology, offering greater choice and convenience to passengers who may prefer to purchase their air travel using the existing funds in their bank accounts,"  said Sue Whitney, Head of New Products, Visa Canada.  "Air Canada's adoption of Visa debit signals the increasing electronification of payments in the Canadian marketplace, and we are proud to support them in providing payment solutions that best reflect the evolving ways and places consumers are transacting."

"The introduction of Visa debit leverages new technology to increase choice and convenience for our customers.  Customers purchasing online and through our call centres now have a new payment option that meets the growing usage of debit cards in Canada.  We are pleased to partner with Visa Canada given their reputation for reliability," said Craig Landry, Vice President of Marketing at Air Canada.

Visa is a member of ACT Canada and a Cardware 2012 sponsor; please visit http://www.visa.ca.


Source: (05/29)

FIME has tested Qatar National Bank's (QNBs) contactless mobile payments solution for its compliance to Mobile MasterCard PayPass Specifications. The pilot project, which began roll-out in March this year, is Qatar's first near field communication (NFC) payments initiative.

The contactless mobile payments programme provides QNB customers and merchants with a convenient and quick way to make and accept payments through the use of NFC-enabled handsets and point-of-sale (POS) contactless terminals. The mobile payments project is part of a phased implementation plan where QNB will work closely with project participants to deploy contactless POS terminals in Qatar's leading NFC cities.

FIME's ISO 17025 accredited laboratories performed on and off-site test evaluations on mobile handsets, Universal Integrated Circuit Card (UICC) and POS contactless terminals to confirm compliance with Mobile MasterCard PayPass Specifications and provide the necessary certification.

Abdulla Nasser Al Khalifa, Assistant General Manager Retail at QNB, comments: "Developing and launching a nationwide contactless mobile payment pilot required a multidisciplinary approach due to the various stakeholders involved. Testing and certification was therefore vital in ensuring interoperability and standardisation. With its global experience and regional presence, we were keen to work with FIME to engage with the various stakeholders and ensure products could be confidently brought to market and form part of a trusted contactless mobile payments infrastructure."

Pascal le Ray, General Manager at FIME, comments: "When developing a mobile contactless payments ecosystem, it is important that each technology element fully integrates to create a secure and interoperable payment environment for the customer. With vast experience in the contactless payment market, FIME is able to act as a central point to a range of stakeholders and offer guidance through its consulting, testing and certification services, ensuring the successful delivery of products."

Regarding FIME's offering in the Middle East, Pascal continues: "FIME has been establishing its commercial presence in the region for over a year now and is looking forward to expanding its offering to provide local support to domestic payment schemes and migration to mobile and contactless payments."

FIME is a member of ACT Canada and a Cardware 2012 Exchange Place Expert; please visit http://www.fime.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.

What Do You Need to Know About Loyalty Programs? Join us for "Loyalties New Realities & Opportunities" at Cardware 2012: Payment Insights, June 19-20, Niagara Falls, ON, Canada – Visit http://www.actcda.com/calendar/act-canada-events/cardware-2012-payment-insights/


Source: Visa Canada (05/03)

RBC and Visa announced the launch of RBC Virtual Visa Debit, designed to allow consumers to pay for online, over the phone, or mail order purchases with funds directly from their bank account. With Canadians engaging in e-commerce in record numbers, RBC Virtual Visa Debit addresses the need for greater flexibility and more payment options for debit functionality within the online space.

Using funds drawn from their own bank account, RBC Virtual Visa Debit offers Canadian consumers key features including expanded choice and acceptance when shopping online, by phone or by mail order, and the ability to make regular and recurring bill payments online. Purchases made with RBC Virtual Visa Debit will be processed over Visa's network, providing the protection of Visa's multiple layers of security including: Visa's Zero Liability Policy, Verified by Visa, E-Promise, AVS (Address Verification Service) and CVV2 (the three-digit code).

RBC deposit account holders will receive a reference card, which will provide all the information required to make an online purchase with the funds withdrawn directly from their bank account including: a Visa Debit number, an expiry date and a three-digit security code. As Virtual Visa Debit is designed for online, telephone and mail order purchases only, the reference card cannot be used at physical store locations, at an ATM or at financial institutions.

RBC's Virtual Visa Debit has no annual fee and transactions made using RBC's Virtual Visa Debit do not count towards any monthly debit transaction limits that may apply to the customer's account package.

"Visa has been on the leading edge of technological advances within the payment industry for more than 50 years and we are pleased to be working with RBC to help empower consumers – connecting them to their resources quickly, efficiently and reliably," said Sue Whitney, Head of New Products, Visa Canada. "Visa Debit's strong momentum in Canada and around the world illustrates the growing migration to electronic payments and today's announcement builds on Visa's ongoing innovation and commitment to the Canadian marketplace."

Visa is a member of ACT Canada and a Cardware 2012 sponsor; please visit http://www.visa.ca.


Source: Mercury Payment Systems (05/16)

Mercury Payment Systems announced the acquisition of Sundrop Mobile, a pioneer in mobile and social loyalty marketing. It marks Mercury's first acquisition since its founding in 2001, as well as the first card-less mobile loyalty program integrated with payment processing.

"Sundrop's forward-thinking loyalty product is seamlessly integrated to point-of -sale (POS) systems, making it a perfect match for Mercury," said Matt Taylor, Chief Executive Officer. "Mercury has been at the forefront of POS-integrated payments acceptance, and our technology is now built into more than 500 systems. With this acquisition, Mercury will leverage our extensive developer channel presence to lead the way in integrated POS mobile and social marketing."

Following the integration of Sundrop's operations and technology, Mercury's POS partner network will begin offering their merchant customers an innovative mobile loyalty solution that is also integrated with Mercury's secure payment processing platform.

"Most importantly, this technology blend will help merchants increase profitability with a mobile loyalty program that makes it easy to engage and reward their best customers," Taylor said.

"Combining Sundrop's technology with Mercury's solid execution and strategic vision is an obvious next-step for us in bringing our services immediately to scale," said Travis Priest, Chief Executive Officer of Sundrop Mobile. Priest will be joining Mercury as Vice President of Loyalty, where he will lead Mercury's strategy and execution in this space.

Beta POS integrations of the new Mercury loyalty product are underway. Full details will be released at the Retail Solutions Providers Association (RSPA) show, RetailNOW, in late July in Las Vegas. For information, contact Mercury at 800-846-4472.

Mercury Payment Systems is a member of ACT Canada; please visit http://www.mercurypay.com.

Looking for knowledge not sales pitches?  Join us for Cardware 2012: Payment Insights, June 19-20, Niagara Falls, ON, Canada – Visit http://www.actcda.com/calendar/act-canada-events/cardware-2012-payment-insights/


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


Source: Ingenico (05/14)

Ingenico and POS Portal announced that the distributor has selected Ingenico's new generation Telium series point‐of‐sale (POS) products for sale and distribution to its independent sales organizations (ISOs) in the United States. With the eminent migration to EMV chip‐based contact and contactless payments in the U.S., the two companies made a pro‐active decision to bring the latest Telium series POS devices, designed on the new Telium 2 technology architecture, into the U.S. marketplace. Under the agreement, POS Portal will distribute Ingenico's countertop terminals, NFC‐ready mobile devices, and customer‐facing terminals that are Class A certified and ready to securely accommodate all forms of payment including contactless, EMV, NFC mobile, and traditional magnetic stripe cards.

The complete Telium series covers iCT220 & iCT250 countertop terminals, iWL220 & iWL250BL (bluetooth) wireless devices, iPP220 & iPP320 PIN pads, and iSMP smartpay mobile device for iPhone® and iPod touch®.

"As one of the top distributors of POS modular devices and solutions, we continuously strive to deliver value to our customers by encouraging innovation that solves real business challenges," said Joe Villamil, vice president of Business Development at POS Portal. "The migration to EMV presents complex challenges for our customers. We are confident that Ingenico and its new Telium range of POS products will be a perfect fit for our company. For one, our teams share a similar vision of providing a variety of complete and state‐of‐the‐art POS solutions. And two, their latest line of products brings new options for our clients that are innovative and comply with all upcoming EMV and mobile 3G wireless mandates."

All Ingenico's Telium products offer the latest indsutry leading dual chip technology for higher performance, innovative design for customer convenience, and the most advanced security and encryption solutions that meet the latest PCI PTS 3.0 and international security algoriths including DES, TDES, RSA, DUKPT and Master/Session. Each device comes standard with all payment technologies already embedded to enable merchants securely accept and process electronic


"As the largest POS hardware and software manufacturer, with 17 million terminals installed globally, our business is to continue to introduce the latest engineering innovations and security solutions to the point‐of‐sale. Our expertise is in designing and manufacturing the devices, and we rely on our partners to sell and distribute Ingenico products in the U.S.," said Bernie Frey, senior vice president of Acquirer Sales, Ingenico, North America. "We are very pleased to partner with POS Portal on the distribution of our Telium range of products to help meet ever changing and dynamic payment acceptance needs of their customers. We are ready and committed to equip POS Portal with the highest‐performing POS products available in the U.S. market capable of supporting traditional and new types of payment such as EMV, contactless, and NFC‐enabled mobile payments."

Ingenico is a member of ACT Canada and a Cardware 2012 Exchange Place Expert; please visit http://www.ingenico.com.



Source: NXP (05/14)

NXP Semiconductors N.V. announced that its PN65 Mobile Transactions solution will power the Samsung GALAXY S III bringing a new concept of human-centric mobile experience. The highly anticipated Samsung GALAXY S III is the successor of the best-selling Samsung GALAXY S II.

Samsung, the largest smart phone maker in the world, continues to release revolutionary products that are re-defining user experiences. The Samsung GALAXY S III engages mobile users with a brilliant 4.8 inch display, a remarkable 8MP camera and incredibly lightning-speed fast quad-core processor. For robust NFC functionality worthy of high volume flagship smart phones like the breakthrough GALAXY S III, NXP remains the partner of choices.

Powered by Google's Android 4.0 Ice Cream Sandwich operating system, the powerful Samsung GALAXY S III supports secure NFC applications, such as wallets being launched by mobile network operators, card associations and other such as Google's Wallet. Additionally NXP's award winning PN65 delivers best in class performance and seamless interoperability with various mobile use cases such as payment, transportation, access control and NFC tag reading largely based on NXP's contactless reader IC technology.

"We are in the midst of a golden era of mobile and Samsung continues to set the bar with coveted products like the GALAXY S III," said Henri Ardevol, vice president and general manager, secure transactions with NXP Semiconductors. "Samsung's flagship phones require flagship-worthy NFC solutions and NXP is proud to support Samsung on its GALAXY S line. We eagerly look forward to the extraordinary mobile experiences the GALAXY S III will deliver including those enabled by NFC."

NXP is a member of ACT Canada and a Cardware 2012 sponsor; please visit http://www.nxp.com


Source: Aimia (05/16)

Cardlytics, the pioneer of transaction-driven marketing in banking, announced the release of "Cardlytics for Credit," an integrated suite of technology and services that enable financial institutions to effectively leverage transaction marketing to strengthen relationships with their credit card customers.

"Until now, the broad category of 'merchant-funded rewards' for credit cards has simply not produced meaningful results for retailers or banks," said Scott Grimes, CEO of Cardlytics. "To be a relevant and viable channel for large national and regional retailers, you must have a broad base of highly active and engaged accounts. Since most consumers use their credit cards infrequently and don't access their accounts routinely via digital channels, it is impossible to achieve the necessary scale in credit cards alone. Because of our reach into 70 million households' checking accounts and their associated high transaction debit card volume and frequent online access, we are well positioned to now leverage our massive scale in checking/debit to bring rich content to credit. Many of our bank clients have combined debit and credit card portfolios to extend the engagement of debit customers to their credit cards. We have continually advanced our solution to the point where we know how to make transaction-marketing effective for stand-alone credit card portfolios."

"Retailers want to concentrate on a few channels that can most profitably grow their business, and they demand precisely measured results that can be directly attributed to the media," said Marc Ginsberg, EVP of Merchant Services at Cardlytics. "Unlike current credit card merchant-funded propositions, customers directly engage with our media. As a result, we know definitively that every sale we generate is directly attributable to Cardlytics marketing."

"Cardlytics for Credit" is specifically tailored to the needs of leading national and local retailers, enabling them to successfully drive increased in-store performance from their current customers while simultaneously attracting new customers. Customer engagement is reinforced by real-time geo-targeting and real-time alerts. A recent study completed by Cardlytics for a large national retailer demonstrated that more than 86% of sales reported by legacy merchant funded rewards programs are actually driven by other marketing campaigns or simply attributable to walk-in traffic. "Without direct and specific attribution, delivering cash back to these customers is not a profitable model for retailers, and we believe that the combination of our current scale along with engagement from channels such as mobile, email and ATM will finally allow retailers to profitably invest both their time and resources to targeting loyal credit card customers," said Ginsberg.

Similar to how sales are driven for retailers, "Cardlytics for Credit" leverages Cardlytics' highly responsive marketing channels to fundamentally improve the performance of the credit portfolio far more efficiently than current marketing channels. Specific programs are available to expand card usage to new verticals, drive usage of inactive cards and increase card spend.

"For years, we have seen our transaction-driven marketing programs crush the performance of traditional channels used by retailers," said Lynne Laube, President of Cardlytics. "What is exciting now is to witness how well transaction-marketing addresses the challenges issuing banks face in improving portfolio performance."

"Cardlytics for Credit" is currently available for all credit portfolios, with the first programs going live this summer.

Aimia is a member of ACT Canada and a Cardware 2012 Exchange Place Expert; please visit http://www.aimia.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.

Join us for "The Future of Mobile Wallets – Possibilities, Do's, Don'ts and Best Practices" at Cardware 2012: Payment Insights, June 19-20, Niagara Falls, ON, Canada – Visit http://www.actcda.com/calendar/act-canada-events/cardware-2012-payment-insights/

For more than 22 years, ACT Canada has been the internationally recognized authority in the market. As the eyes, ears and voice for stakeholders focused on secure payment, mobile, NFC, loyalty, secure identity, and leveraging EMV, we promote knowledge transfer, thought leadership and networking. We help members protect their interests, advance their causes, build their business and grow the market. We take a neutral and non-partisan approach to all issues, facilitating collaboration among issuers, brands, acquirers, merchants, regulators, solution providers, governments and other stakeholders. Over 50% of our members have been with us for more than 5 years, enjoying ongoing value from their affiliation with ACT Canada. To learn more about membership, please contact Eileen Cassidy at 1 905 426-6360 x122.

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.