CLIENTS 150+ #Cardtek Payment Transformation

In 25 countries Starts Here

PROJECTS 400+
Provided globally

STAFF 350+
49% R&D and engineering staff

PARTNERS 25+
5 Support center

Silicon Valley Chicago Istanbul/Izmir Dubai

• Sales Office • Sales Office • Head Office • Sales Office
• R&D Center • Support Center • Sales Office • Support Center
• R&D Center • R&D Center
© 2001 – 2017 CARDTEK
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 Cardtek is the fastest growing Cardtek manages more than
Cardtek manages more than
technology company in EMEA 100 million cards globally
100 million cards globally
Deloitte Technology Fast 500,
2017

#PAYMENT SOLUTIONS
End-to-End 30 million credit cards
More than 1 million POS 30 million credit cards
and more than 16 million debit
terminals are managed on and more than 16 million debit
cards run on Cardtek solutions
Cardtek Software solutions cards run on Cardtek solutions

More than a half-billion transactions Four Smart City Solutions by

Four Smart Cities, powered by
processed on Cardtek infrastructure Cardtek. Dubai, India,
Cardtek Payment Solutions. Dubai,
in 2015 Istanbul, Izmir
© 2001 – 2017 CARDTEK India, Istanbul, Izmir 3
Customer Segments Financial Payment Telecom
Institutions Service Operators
Providers
Supporting acquiring, Payment enablers for Card or mobile handset
issuing, fraud financial institutions based payment system
management, card and e-money issuers infrastructure for
production, mobile acquiring, issuing, operators enriched with
payments in omni- fraud management, loyalty and campaign
channel card production, management features
environment. mobile payments in for customer
omni-channel acquisition and
environment. retention.

Personalization Retailers Government

Offices Entities
Mass and instant card Closed loop or open Taxation solutions for
production with card loop payment or loyalty ECR/POS terminals;
agnostic and machine cards, merchant fraud national switch,
vendor agnostic prevention & detection domestic payment
personalization infrastructures, mobile network establishment
solutions. wallets. and consultancy.

© 2001 – 2017 CARDTEK

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Product Lines

Card Payment Digital Payment EMV Solutions SmartCity Payment

Solutions Solutions Solutions Hardware
Solutions
• Card Management • Wearable - Active / • EMV Tokenization • Transportation Operator • POS Networking
• Loyalty/Campaign Passive • EMV Data Preparation Services • Remote Management
Management • Digital Wallet Platform • EMV Card Testing Suite • Stadium Operating Devices
• Clearing and Settlement • PSP Payment Gateway • EMV Transit Services • HSM Monitoring
• Transaction Switch • Secure Card Storage Management • Prepaid Card Devices
• Mass/Instant Card • Digital Enablement • EMV Lifecycle Management • HSM
Personalization Platform Management • EMV Transit • Card Printing
• Internet Payment • Host Card Emulation • EMV Level 2 Kernel Management
Gateway (HCE) • Training and Consulting • ECR Terminals
• Merchant Management • EMV Tokenization
• Fraud Detection/
Prevention
• Taxation Solutions

As on premise or as on
services
© 2001 – 2017 CARDTEK
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 #PROVIDING
Cardtek Data On Customer Public Cloud
COMPLETE Center Premises Partners
PAYMENT
Cardtek Data Center that Customer’s Data Center PCI DSS compliant cloud
INFRASTRUCTURE has all security, regulatory That has required based location providers
body and business certifications issued by such as AMAZON, IBM,
continuity certifications of regulatory bodies ORACLE, AZURE etc.
PCI, ISO, VISA,
MASTERCARD

© 2001 – 2017 CARDTEK

 • THALES-SECURITY • MASTERCARD • DENIZBANK
• DEUTSCHE TELEKOM • AKBANK • VAKIFBANK
THALES-TRANSPORT ISBANK ODEABANK
Clients by Regions
• • •

• MASTERCARD-EU • YAPI KREDI • BANK SOHAR

• TREVICA • ZIRAAT BANK • AUSTRIACARD
• FEIG • GARANTI BANK • OPET
• ADVANIDE • FINANSBANK • BP
IOR THY SHELL

TURKEY
• • •

• AUSTRIACARD • SODEXO
• ETS
• NXP

• DEMIR-AZB
• ASB
YAPI KREDI AZB
CIS •

• MILLI KART
• BANK OF AZB

MEA
• FIS-USA
• FR-BANK OF BOSTON
• BROADCOM • AXIS BANK

• VALID USA • CYNOVO

• MAGTEK • PILLAR TECH

• NXP • PAYCRAFT

TABLESAFE NPCI
CBD AVD
•
•
• •

• BANK SOHAR • AXIS BANK

• EMCREDIT • NIS-ICT
• NI • BENEFIT
• THE GROUP • ISRAEL CREDIT CARDS
• TPS
© 2001 – 2017 CARDTEK
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 Card Payment Solutions Digital Payment Solutions EMV Solutions SmartCity Solutions Payment Hardware Solutions

// Card Management
• Management of various card products - credit, debit, prepaid cards.
• Real time fees, taxes and interests from different channels.
• EMV or proprietary magnetic, contact, contactless, cloud or mobile payment cards.
• Transaction restrictions, velocity checks and required risk controls during online
authorization

Related Products: Card Management, Clearing and Settlement, Internet Payment

Gateway, Fraud Detection and Prevention

Card Payment Solutions

// Transaction Management
• Driving financial and non-financial transactions via POS, ATM, Kiosk or Validator.
• Management and Monitoring of mass terminals networks including POS, ATM, Kiosk or
Validator.
• Transaction routing in between acquirers, issuers and network schemes, VISA,
MASTERCARD, AMEX, DINERS, UPI, JCB.
• Transaction authentication and authorization for magnetic, EMV contact / contactless,
cloud or mobile payment cards.

Related Products: Transaction Switch, Merchant Management

© 2001 – 2017 CARDTEK

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 Card Payment Solutions Digital Payment Solutions EMV Solutions SmartCity Solutions Payment Hardware Solutions

// Customer Acquisition and Retention

• Flexible loyalty and campaign management solution
• Real time loyalty functionalities including points, miles, installments, RFM counters,
discounts cash backs and vouchers.

Related Products: Loyalty and Campaign Management

Card Payment Solutions

// Card Personalization
• Instant card personalization solution for credit, debit and prepaid cards in branches or
merchant locations less than 45 seconds.
• Mass card personalization solution for card personalization offices or issuer banks
• Vendor agnostic platforms on card plastic providers and personalization machine vendors

Related Products: Mass/Instant Card Personalization

© 2001 – 2017 CARDTEK

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 Card Payment Solutions Digital Payment Solutions EMV Solutions SmartCity Solutions Payment Hardware Solutions

Card Payment Solutions Case Study - TURKEY

YAPIKREDI

• Fourth largest bank by asset size and the largest credit card issuer in Turkey,
• Operating internationally in the Netherlands, Russia and Azerbaijan.
• Bank manages its card and terminal portfolio using Cardtek Payment Solutions since 2014.

Functional Renovation Infrastructure Renovation

• Real time fees, loyalties and campaigns • High available system with rate of 99.99%
• Ease of new card product development • More than 2.000 transactions per second
• Faster service implementations • Average response time of 60ms
• EMV contact, contactless, mobile support

USAGE AND COVERAGE

46M 450K 150+ 120+

EMV Cards Payment Terminals Card Products Loyalty Programs

© 2001 – 2017 CARDTEK

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 Card Payment Solutions Digital Payment Solutions EMV Solutions SmartCity Solutions Payment Hardware Solutions

Card Payment Solutions Case Study - TURKEY

• Turkey's first public bank, ranked 102nd in the “Top 1000 World Banks” survey of Financial İŞ BANKASI
Times' The Banker and 371st in the Forbes Global 2000 lists as of 2008.
• The bank operates 1,011 branches domestically, giving it one of the largest branch networks in
Turkey.
• Bank’s international network comprises United Kingdom, Bahrain, Turkish Republic of Northern
Cyprus, Republic of Ireland, Germany, Netherlands, France, Switzerland Shanghai and Cairo.

Functional Features Prepaid Card Management

• Prepaid Card Management • Debit & Prepaid
• Credit Card Management • EMV & Open loop
• Issuing Switch • Contact & Contactless
• Card Management • General Purpose Prepaid
• Loyalty and Campaigns • Gift Card
• Clearing and Settlement • No name/ personalized
• Dispute and Chargebacks • Wide range product definitions

USAGE AND COVERAGE

350K+ 15M+ 12M+ 100+ 120+

Pos Credit Debit/Prepaid Loyalty Card
terminals Cards Cards Programs Products

© 2001 – 2017 CARDTEK

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Card Payment Solutions Digital Payment Solutions EMV Solutions SmartCity Solutions Payment Hardware Solutions

Card Payment Solutions

Case Study – TURKEY
The Turkish Income Authority introduced new legislation in 2013 requiring Electronic Cash Registers ECR
(ECRs) to be connected to the Revenue Administration.
Regulation addresses new generation POS terminals which have both Electronic Cash Register (ECR)
and POS terminal facility.
All transactions initiated from terminals are acquired by Trusted Service Manager (TSM) and
transactions are sent to the acquirer financial institution and Income Authority at the same time.

Bank Applications Value Added Services

• Multiple banking application • Parking payment applications
• All financial and non-financial POS transactions • Airtime top-up for telecom operators
• Bank brand sharing loyalty functionalities • Food card payment service providers
• Restaurant order management system

USAGE AND COVERAGE

129K+ 162K+
Payment Payment
Terminals Application

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 Card Payment Solutions Digital Payment Solutions EMV Solutions SmartCity Solutions Payment Hardware Solutions

// Easy Checkout During Electronic Commerce

• Easy and secure payments for cardholders during online payments for electronic and
mobile commerce. Securely storing tokenized accounts and updating card data captured
from online consumers.
• Consumers create an account once and then speed through checkout with a single login,
without having to re-enter their card or delivery details at every visit.

Related Products: Secure Card Storage, Digital Wallet

// Payments using Connected Devices

• Easy and secure payments using any connected device.
Digital Payment Solutions • Wearable devices with contactless payment technology allow consumers to tap and pay.
• Connected cars enable drivers to make secure payments from their entertainment system.
• Home appliances entertainment systems with payment integrations.
• Any device with an internet connectivity is a way to pay.

Related Products: Wearables-Active/Passive, Digital Enablement Platform

// Mobile Financial Services and Payment Gateway

• Customer and cardholder profiling and Secure Card Store based on PCI DSS standards.
• Payment gateway for transactions initiated by mobile application, m-commerce or e-
commerce domains.

© 2001 – 2017 CARDTEK Related Products: Secure Card Storage, Payment Gateway

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 Card Payment Solutions Digital Payment Solutions EMV Solutions SmartCity Solutions Payment Hardware Solutions

// Retail and In-Store Payments using NFC

• Mobile users can use their NFC-enabled smartphone to make contactless payments.
Using the same technology we can provide;
• NFC based contactless mobile payments on retail shops
Digital Payment Solutions • Transport ticketing during journey for public transportation
• Enablement of access control while using mobile device like a contactless key card
• Informative or loyalty actions using passive tags on smart posters.

Related Products: HCE, Digital Enablement Platform, EMV Tokenization

© 2001 – 2017 CARDTEK

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 Card Payment Solutions Digital Payment Solutions EMV Solutions SmartCity Solutions Payment Hardware Solutions

Digital Payment Solutions Case Study

MASTERCARD

• MasterPass by MasterCard is a digital wallet service that makes online shopping

safe, easy, and convenient.
• MasterPass stores all your payment and shipping information in one central,
secure location.
• With MasterPass, you can shop, click, and checkout faster online.
• Cardtek provides MasterPass solution and business operations on behalf of
MasterCard for 4 countries.

USAGE AND COVERAGE

20+ 20M+ 700K+

E/M Commerce Monthly Cards Stored
Domains Transactions

© 2001 – 2017 CARDTEK

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 Card Payment Solutions Digital Payment Solutions EMV Solutions SmartCity Solutions Payment Hardware Solutions

Digital Payment Solutions Case Study – UAE

NATIONAL WALLET

Cardtek has established a digital wallet for

• Payments
• Transit tickets
• Money transfer
• Market place for SMEs
based on multiple form factors like mobile handset and wearables across UAE.

UAE residents will be able to

• Transfer money
• Make in-app, in-store and transportation payments
• Pay their electricity, water, gas bills and school tuitions
• And much more through their mobile phone.

USAGE AND COVERAGE

10+ 10M+ 8M+

E/M Commerce Monthly Cards
Domains Transactions Stored

© 2001 – 2017 CARDTEK * Projections in 2 years

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 Card Payment Solutions Digital Payment Solutions EMV Solutions SmartCity Solutions Payment Hardware Solutions

// Payment Card and Terminal Applications

• Contact and contactless EMV based card acceptance libraries (EMV L2 Kernel) for
payment terminals (POS, ATM, KIOSK etc.) which is network scheme (VISA,
MASTERCARD, AMEX, DINERS, UPI, JCB) certified.
• EMV based or proprietary payment acceptance terminal application (L3 Application) for
POS terminals.
• EMV based or proprietary payment applications running on secure elements placed on
EMV Solutions plastic cards, mobile handsets, computer laptops or special mobile authentication
devices.
• Quality Control and Testing Platforms for payment instruments, payment terminals and
transaction hosts.

Related Products; EMV Tokenization, EMV Data Preparation, EMV Card Testing Suite, EMV
Transit Management, EMV Lifecycle Management, EMV Kernel, Training and Consulting

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 Card Payment Solutions Digital Payment Solutions EMV Solutions SmartCity Solutions Payment Hardware Solutions

// Open Loop Public Transportation

• Renovation of AFC (Automated Fare Collection) providers to migrate their existing
systems having open loop schemes VISA, MASTERCARD, EMV, RuPay etc.
• Credit, debit and prepaid bank cards can be used for payment of public
transportation, bank channels are used for top-up and balance / transaction view.
• All risk and transaction management is done, integration to AFC system for fare
calculation.

Related Products; Transportation Operator Services, Prepaid Card Management,

EMV Transit Management

SmartCity Solutions
// Tax Collection Solution for Governments

• New generation POS terminals has both Electronic Cash Register (ECR) and POS
terminal facility.
• Central solution for Revenue Administration for processing real time payment
transactions initiated by new generation ECR/POS payment terminals.
• Real time process of payment data, fraud checks, merchant based trend reports,
real time integration with stock critical goods.

Related Products; Taxation Solutions, ECR Terminals

© 2001 – 2017 CARDTEK

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 Card Payment Solutions Digital Payment Solutions EMV Solutions SmartCity Solutions Payment Hardware Solutions

SmartCity Solutions
Turkish Football Federation initiated a project for preventing hooliganism, electronic ticketing, avoiding long queues
for purchase of match tickets. A new card product was designed with credit, debit and prepaid account facility:
• Electronic ticketing integration
• Access control to stadiums
• Loyalty and campaign features
• Public transportation system integration
• Central blacklist driven by government.
Product supports plastic cards, mobile handset and active/passive wearables at the same time.

Functional Renovation
• Instant card issuing in 45 seconds Case Study - TURKEY
• EMV Credit, Debit and Prepaid payments
STADIUM CARD
• One time or seasonal electronic match tickets
• Government driven central black list
• Public transportation integration
• Card, wearable and mobile handset support

USAGE AND COVERAGE

3M 10+ 20+ 2000 40ms

EMV Cards Card Products Loyalty Programs Trx Per Avg. Response
Second Time

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 Card Payment Solutions Digital Payment Solutions EMV Solutions SmartCity Solutions Payment Hardware Solutions

SmartCity Solutions
Case Study-INDIA
NPCI chose Cardtek as the consultant company for generating the standards to be set within the scope NATIONAL TRANSPORT
of the National Transport Project.
The contactless cards are issued by Axis Bank for use in public transportation system of Bangalore and
Kochi. New card products operate with RuPay standards, the national transport card system of India.
The cards can also be used for shopping purposes, including e-commerce transactions with merchants
that accept RuPay cards.

Functional Renovation
• Real time fees, loyalties and campaigns
• Ease of new card product development
• Faster service implementations
• RuPay contactless transit cards

USAGE AND COVERAGE

8M 2 500 100ms
RuPay Cards Operating Transactions Average
Cities per second response time

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 Card Payment Solutions Digital Payment Solutions EMV Solutions SmartCity Solutions Payment Hardware Solutions

SmartCity Solutions
Case Study-TURKEY
Izmir is a city with population over 4 million and 1.5 million transit transactions per day across public
busses, subway, light rail and sea transport services. This card is designed as the ultimate smart city card
CITYCARD
to enjoy urban life. Residents and visitors can conveniently use their cards in:
• Transportation
• City zoo
• Open-area parking spaces
• Ice-skating
• Pavilion
• Smart bicycle rental stations located throughout the city.
Solution also supports acceptance of open loop EMV card plastics and mobile handsets, as well as
wearable devices that can be used for transit payment in all aspects of city.

Future Plans
• Usage of wearable devices like wristbands
• Usage of mobile handsets for payment
• Integration to Open Loop with MasterCard

USAGE AND COVERAGE

3.5M 2.200 1.200 500M

Transit Cards Acceptance Top-up Monthly
Terminals Merchants Transactions

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 Card Payment Solutions Digital Payment Solutions EMV Solutions SmartCity Solutions Payment Hardware Solutions

// Unified Communication of Payment Devices

• POS and ATM terminal network access controllers for management of high volume terminal
networks.
• Management of transactions, as well as terminal parameter and program download data.
• Consolidation of transaction calls from DIAL/UP, IP and GPRS networks, reports of success and
failure rates

Related Products; POS Networking

Payment Hardware Solutions

// Increasing Service Level of Remote Payment Devices
• Remote Diagnostic and Management of any kind of Payment Devices and Locations.
• Protective diagnostic tool for ATM terminals, branches and data centers.
• Collecting environmental data like temperature, humidity, smash, location change from
target device using various sensors and defines protective and informative actions on a
flexible rule set.

Related Products; Remote Management Devices

© 2001 – 2017 CARDTEK

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 Card Payment Solutions Digital Payment Solutions EMV Solutions SmartCity Solutions Payment Hardware Solutions

// Maintenance
• Sales and support activities of leading Hardware Security Devices.
• Leading device vendors (THALES and SAFENET) are supported.

Related Products; POS Networking, Remote Management Devices

Payment Hardware Solutions

// Availability of Payment Security Devices
• New design appliance for «consolidation and real time diagnostic» of mission critical
payment security (HSM) devices.
• Regular diagnostic messages to security device for checking status of peripherals like
battery status, transaction statistics, key statistics, HSM utilization etc..
• Leading device vendors (THALES and SAFENET) are supported.

Related Products; HSM, HSM Monitoring Devices

© 2001 – 2017 CARDTEK

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Some References

© 2001 – 2017 CARDTEK

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Silicon Valley
Address : 99 S Almaden Blvd, Suite 600,
San Jose, 95113
Mail : silicon.valley@cardtek.com
Phone : +1(669)-231-8870

Chicago
Address : 8700 W Bryn Mawr Ave Suite 910N
Chicago, IL 60631 USA
Mail : northamerica@cardtek.com
Phone : +1 (847) 376 83 67

Istanbul
Address : Reşitpaşa Mah. Katar Cad. Teknokent
ARI 3 Sit. No: 4 / 102 34467 Sarıyer / Istanbul
Mail : europe@cardtek.com
Phone : +90 (850) 277 67 67

Dubai
Address : Unit G08, Loft Office 3, Dubai Media
City Al Sufouh Road, Dubai, UAE
Mail : mea@cardtek.com COPYRIGHT ©. ALL RIGHTS PROTECTED AND RESERVED.

Phone : +971 50 752 6709

www.cardtek.com The information contained in this document, much of which is confidential to Cardtek Group, is for the sole use of
the intended recipients. No part of this document may be reproduced in any form or by any means, electronic,
mechanical, photocopying, recording, or otherwise, without the prior written permission of Cardtek Group