CARD OPERATION SERVICES

We offer card management services (issued both physical and virtual): debit, prepaid and credit card management, loyalty and rate mode, money-send / Visa Direct, reporting and statistics, online certification, fraud management, clearing & settlement, dispute management and contact center customer support.

AUTHORIZATION

SIBS offers a complex system for routing & switching transactions, performed through any POS devices, ATMs and for all network interfaces, such as Visa, Mastercard and American Express. National and international. Our services include EMV acquiring and issuing, transaction security via HSMs, CVC2 card verification, stand-in authorization, pass-through, check digit validation, expiry validation and PIN translation. Routing fully configurable based on any business requirement.

CLEARING

We offer an international electronic batch transaction clearing system for the exchange of interchange data between acquirers and issuers, generating and processing different outgoing / incoming files, sending the payment information to cards organizations, processing different incoming files in order to gather all the payments received by a specific issuer and generating different customized reports, based on clients’ request.

CARD PERSONALIZATION SERVICES

We offer complete card personalization services including BIN / Issuing EMV Certification management, card personalization (chip, magnetic tape, contactless), support for card acquisition, card stock management, materials needed for enveloping, key management and transportation services for Bucharest branches / locations via armored cars, in accordance with the Visa and Mastercard requirements.

PRINTING AND ENVELOPING

We offer our partners support for the production and shipment of statements, welcome letters, electronic invoices and other documents, based on the requirements of partner companies, printing services in black, highlight or color, on letterhead, envelopes or other types of packing.

PIN GENERATION

We offer PIN generation and printing, stock management and mailers, as well as PIN by SMS.

POS SERVICES

POS OPERATIONS

We offer POS solutions for all financial institutions and possible payment methods, that benefit of the right equipment for every requirement, in order to ensure safe and fast payments. Our platform is agnostic, so we can offer processing services for any brand / type of POS terminal.

Our POS operation services include EMV certification for Visa and Mastercard, support for all possible connectivity types such as TCP / IP, GPRS and dial-up, ticketing system, various POS management programs for loyalty campaigns, key management, an effective fraud management service, settlement file and disputes management, POS network management, a reporting platform for merchant and technical helpdesk.

OUTSOURCING POS

We offer a complete POS outsourcing service. We deliver and install the equipment, set up the software and take care of all processes and maintenance and offer call center support for merchants. The POS network from SIBS Romania operates at the latest and highest standards. Option for buy-back or no buy-back at the contract termination with takeover of the integrated POS related services.

ATM SERVICES

ATM OPERATIONS

With effective monitoring (connectivity, technical error, fraud), we make it easier to operate a cash machine. We offer ATM management (balance enquiry; notifications, fraud management, reports), ATM monitoring (connectivity, technical error, anti burglary) & online monitoring alerts, various additional ATM services (contactless transaction, cash in, cash out, transfer operation, currency exchange, bill payment, barcode payment, ATM checker, cash-in deposit, balance inquiry, mini-statement, PIN change, screen development and 24/7 technical assistance, first level service with qualified staff). The ATM operations are done at the highest quality level, with EMV certification (Visa / Mastercard). Multi-currency and multi-language.

ATM OUTSOURCING

Complete ATM outsourcing services, from setup and installation to processes monitoring and optimization. In case of unpredictable damage or failure, we provide support by sending notifications to the bank, in order to immediately identify the defect. Option for buy-back or no buy-back at the contract termination, with takeover of the integrated ATM related services.

 

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SOFT POS is a tap-on-phone solution that transforms any Android device (phone / tablet) into a payment terminal that can accept payments with any contactless solutions (card, phone etc.), without PIN or with PIN on Glass.

The solution is ideal both for bigger companies such as couriers, taxi companies, food delivery companies etc., as well as for small merchants. It is easy to use and can be integrated with the existing bank systems.

The solution has important advantages for banks: it allows them to access new geographical areas with a larger number of payment terminals in the territory and it streamlines the bank’s acquiring process by eliminating the costs for delivery, installation and maintenance of the terminal fleet.

The solution also offers many benefits for merchants, as it is easy to integrate into the existing POS management system, without the need for further developments, it is easy to manage and use and the merchants can access a platform for managing terminals in the territory, benefiting also of a ticketing system.

Soft POS offered by SIBS Romania is developed based on VISA / Mastercard / Amex standards, it is protected from external attacks, able to automatically delete data in case of attack and benefits from high encryption, white-box cryptography. During the payment process, protection is ensured by our certified contactless EMV L2 Kernel within EMV standards.

POS SHARING

POS Sharing is a unique solution on the Romanian market that allows the integration of several banks’ payment applications on a single payment terminal (POS).

SIBS Romania provides a wide range of services: hardware acquisition, development of payment applications according to the requests of partner banks, support for the integration of POS Sharing solution with the merchant’s internal systems, TMS (terminal management system) – which offers the possibility to update remotely the entire fleet of terminals, processing for contact or contactless transactions (purchase, reimbursement, DCC, installments, own loyalty program), terminals stock management, maintenance and consumables. As value-added services, we offer consolidated reports for all transactions made through POS terminals, cash back acquisition, fraud monitoring and contact center 7/24 – Support level 2.

The solution benefits from the latest generation of POS terminals, with PCI DSS 4.X certification, and supports multiple communication protocols (dial up / GPRS / Ethernet).

The POS Sharing solution offered by SIBS Romania offers real advantages to the merchants: using a single POS terminal for several financial institutions, remote management for loyalty campaigns, a selective system for routing transactions, parameterizable according to the merchants’ requirements, lower transaction costs by increasing the percentage of ON-US transactions.

mPOS

SIBS Romania offers complete services for the implementation of the mPOS solution: secured and certified payment terminals, a simple integration with the bank’s systems, fraud monitoring and exception processing, support for the implementation and certification of mPOS, Bluetooth and USB communication, multilingual support for messages to merchant and cardholder, simple messaging protocol to support transaction processing and administration function, P2PE encryption and a simple and flexible API for the mPOS system.

The solution is compliant with the PCI security rules and regulations VISA and Mastercard, fully EMV. Real-time settlement can be offered to merchants via prepaid cards.

The bank can access a wider range of merchants that receive various benefits through the solution: increased revenues through financial transactions independent of physical location, commercial transactions without electronic register or software, a better experience for end customers due to a faster cash register service for purchases or returns, several receipt options, operation on multiple global payment platforms, acceptance of electronic payments on mobile and / or physical point of sale.

UNATTENDED POS

Unattended POS is a solution that uses an unassisted terminal and allows payments anytime and anywhere, in a self-service system. The solution is easy to integrate with any automated system (parking meter, barrier, vending machine) and can be used indoors or outdoors.

SIBS Romania offers complete services for the implementation of the solution: consulting, ticketing system, software and hardware integration and final product design, Visa and Mastercard certification, API for software integration with any vending machine, GSM / GPRS communication package with secure private APN and dedicated VPN channel.

The bank can offer this solution to those traders who want lower costs by eliminating cash registers and human resources, reduced costs for consumables by using a single thermal printer and by printing just one receipt that includes data on sales and bank payments, less risks of errors than on a traditional POS and faster payments by accepting contactless cards.

 

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WHITE LABEL WALLET HCE

The White label Wallet HCE (Host Card Emulated) offered by SIBS Romania allows the registration of any type of cards in a digital wallet and can be customized according to the vision of each bank.

The solution offers multiple functionalities: biometric authentication, registration and change of personal data and contact details, balance view, transaction history, show virtual bank account number for wire transfer (SEPA credit), top-up methods (credit card, SEPA direct debit etc.), show card details for online acquisitions (PAN, expiration date, CVV), KYC upgrade (upload ID documents to verify identity), customer support information as well as optional features.

VDCA

VDCA (Visa Digital Commerce App) is a white label wallet by Visa, ideal for banks that want to offer their clients a modern, secure and fast payment system. The solution is available in several languages and benefits of maximum payment security, guaranteed by VISA.

SIBS Romania offers support for implementing the wallet solution VDCA.

APPLE PAY/GOOGLE PAY

Apple Pay and Google Pay are state-of-the-art private label wallet solutions, that allow iOS and Android to shop quickly and securely at the cash register, in apps or on websites.

SIBS Romania offers complete services for a quick implementation of Apple Pay and Google Pay wallets, allowing consumers to pay by mobile phone easily, quickly and safely, whether they are in a store, using public transportation or shopping online. The payment process is based on the Apex Mobile Services Platform, highly secured thanks to the Visa and Mastercard security technology, that replaces the confidential card payment data with a digital unique identifier and protects against fraud.

The services offered by SIBS Romania also include the deployment of the Apex Crypto, in order to handle the Google Pay and Apple Pay requirements for One Time Password, as well as the implementation of the Apex Green, as per Google Pay and Apple Pay provisioning fraud requirements.

TOKENIZATION

SIBS Romania is a token requestor and a token services provider for partners.

The tokenization of VISA (VISA Token Services) and Mastercard (MDES for merchants) is a security technology that replaces cardholder information, such as account numbers and expiration dates, with a unique digital identifier (a “token”) that can be used for payment without exposing a cardholder’s more sensitive account information.

The tokenization hides consumer’s confidential account information during digital transactions, making digital payments more secure.

RETAIL WALLET

CARDS4U

Cards4u is a wallet loyalty application, developed and managed by SIBS Romania, that offers multiple advantages to both the merchant and the cardholder. Cards4u is available for iPhone and Android devices and is very easy to install and use.

The application allows users to issue a loyalty card from their favorite brand, directly from the application, and benefit from relevant promotions in real time.

SIBS Romania offers support for the integration in the solution as well as dedicated management services: constant communication and collaboration with the partner’s marketing department, publication of offers and campaigns in the application and on the dedicated Cards4Uapp Facebook page, reports and statistics, upon request, the necessary logistic elements, event promotions through the Cards4Uapp application, changing the buttons or the questionnaire for the extended profile, a dedicated IT team, a dedicated team for marketing support, creation and advertising.

WHITE LABEL WALLET FOR MERCHANTS

The White Label Wallet for Merchants is a wallet platform, optimized for both standard PC’s and mobile browsers, that allows contactless payments from the digital wallet, card provisioning (storage of encrypted card data) and token life cycle management.

The system consists of a software platform, with a web and a recurrent interface, that ensures online payment transactions using cards issued under VISA and Mastercard. Some of the features include biometry authentication, cards tokenization, top-up methods between bank cards, top-up from another cards issuers (after the e-commerce license is acquired), mobile app integration and back-end integration. PSD2 exemptions are supported. The solution can be tailored to bank’ specifications, with focus on client journey.

The web interface allows the cardholder to store multiple cards into the wallet, including loyalty cards, to make online shopping through bank cards and offline shopping through loyalty cards, to make payment transactions by only selecting the card number alias and to administrate all related information (add, modify, delete card details). The operations can also be performed using a mobile application developed for this purpose.

The recurrent interface allows the cardholders to establish a recurrent plan for the monthly invoices.

The white label wallet for merchants can be downloaded from Google Play / AppStore and optimized for smartphone with iOS 4.3 or newer and Android 2.2 or newer. For other operating systems, the application can be opened by phone browser, providing access to the main features. SMS alerts and emails regarding transactions are available.

NFC, QR, RFID PAYMENT SOLUTIONS

SIBS Romania offers complete services for implementing payment solutions based on QR, RFID and NFC technologies including consultancy, software application, acquisitions of tags, cards, NFC and card readers, solution management, personalization of cards and tags, as well as web hosting services for the applications.

The NFC (Near Field Communication) solution enables consumers to make payments at all NFC compatible checkouts and is based on a contactless card technology that allows payment cards to communicate with the NFC readers, via chip and antenna.

The QR (Quick Response) solution enables mobile payment via smartphone, by scanning a QR code.

The RFID (Radio Frequency Identification) solution enables data transmission between a card / device with RFID chip and a reader device. The data connection is enabled as soon as the cardholder enters a designated space.

 

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We offer financial institutions complete ecommerce solutions: enrolling their merchant customers in order to accept online payments, payment processing services, virtual POS, tokenization and authentication, switching & clearing and complete 3D Secure V2 services, PSD2 compliant.

SWITCHING & CLEARING

We offer a modern system for switching and clearing, with multiple functionalities: complete and flexible transactions, complete authorization processing, transaction security via HSMs, acceptance and issuing services in accordance with PSD 2, various network interfaces such as Visa and Mastercard, bank interfaces, national and international.

The routing system is dynamic, flexible and configurable: multiple connections between banks, including Visa, Mastercard, any number of connections, routing fully configurable based on any business requirement, stand-in authorization, pass-through.

ONLINE

FULL 3D SECURE V2

We offer complete 3D-Secure services for issuing and acquiring banks, verified by VISA/VISA Secured and Mastercard Secure Code / Mastercard Identity Check and AMEX Authentication.

The 3D Secure certification is performed by using MPI/3D Server testing platform for the acquiring banks & ACS testing platform for the issuing banks. The contracts with the virtual merchants are signed by the acquiring bank and the configuration of the 3D Secure interface between our platform and the merchant is performed by our platform. The platform is registering the 3D Secure configured merchants on Visa/Mastercard Directory Server. The e-commerce transactions are processed on behalf of the acquiring banks. Dual Servers in place for acquiring and issuing banks.

The 3D Secure 2.0 / 2.2 service offered by our company offers biometric authentication as well as fallback (2FA).

The version 2.0 of the 3D Secure protocol supports the transmission of important data during transactions, making possible risk-based decisions for authentication or not. The consumer experience is simplified and improved by eliminating the initial registration process.

AUTHENTICATIONS

SCA (Strong Customer Authentication): it ensures that the electronic payments are performed with multi-factor authentication, to increase the security of electronic payments. SCA adds new information in the authentication process, either based on biometry or through dynamic password sent by SMS (OTP) together with the 2nd Factor Authentication (2FA) – a personal static password known only by the customer.

Our company offers a flexible way in establishing the static password, with the client possibility to change it or reset in in case the password is forgotten.

Biometry: The biometric authentication offers the highest level of security. Issuers can offer cardholders the opportunity to use biometric authentication (fingerprint, facial recognition) when conducting an e-commerce transaction. Push notification to cardholder through the mobile application are available, that informs about the transaction that requires authentication and authorization.

RBA (Risk Based Authentication): RBA authentication allows real-time monitoring of authentications and generates “frictionless” authentications, without additional authentication, or „challenge” authentication, with additional authentication, depending on the parameters / rules set by the beneficiary through web interface. A flexible module analyzes customer behavior, through configurable rules, and allows automatic real-time authentication (frictionless) or request a type of cardholder authentication (OTP, Push Notifications, Biometrics etc.), before the transactions are sent to the bank for authorization and / or settlement.

MONEY TRANSFER P2P

We offer our partners the money transfer service P2P (Person to person) that allows real-time money transfers, national and international. The transfers are possible between the cards of one payment system, such as Visa-Visa or Mastercard-Mastercard, as well as between the cards from different payment systems, such as Visa-Mastercard or Mastercard-Visa.

This secured service can be easily integrated into the digital wallets.

 

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BANKING LOYALTY

We offer financial institutions a large number of options for the loyalty solutions – credit card, installments, prepaid, close loop or virtual, with various benefits to bank’s customers: bonus, discounts, cashback, gifts, loyalty points or installments, through internet banking or automatic based on MCC / TCC.

Our solution can be easily integrated in the bank cards system and offers banks the possibility to define the campaigns at customer level, merchant level or product level, as well as to use several databases to parameterize campaigns, to simulate campaigns before launch and to monitor campaign results based on detailed reports.

RETAIL LOYALTY

We offer merchants tailor-made loyalty solutions, with prepaid bank cards or non-bank cards (myfare), with advantages for the end customer (bonus, cashback, loyalty points etc.), in various formats (mini card, special format, standard PVC, carton or ABS plastic, with hologram, metallic colors or embossing).

Our loyalty solution includes all services, from consulting to card production and personalization, software solution, database management, production and mailing of printing material, SMS and direct mailing, support for obtaining legal approvals for personal data processing and call center communication.

On request we can produce promotional materials and accompanying information that can be sent with the card.

SPHEREPAY SOLUTION

Sphere Pay is a closed loop solution based on a contactless card/bracelet, ideal for companies that organize events, for malls or any other closed-circuit areas, where access and payments need to be done in a simple, fast and secure way.

We offer complete services for the implementation of Sphere Pay solution: counseling to choose the most appropriate solution, personalization of components, integration of the solution into the existing system, dedicated web for card / bracelet management, infrastructure, production & personalization for cards and chosen packaging, reports, contact center support services with a 24 / 7 dedicated line, direct marketing campaigns. Optional system components, such as a mobile app or a kiosk with identification, top-up or payout services, are also available if requested.

The contactless card / bracelet are available for both persons and companies and easy to use. Each partner store / payment point uses a special POS from SIBS or a SIBS mobile application downloaded to the merchant’s NFC terminal, thus allowing the card / bracelet user to receive receipts for purchases made (paper or electronic).

The card / bracelet can have a personalized design, can come in a variety of stylish packaging, are reloadable and can contain multiple secure elements, upon request.

The user-friendly Cloud Portal Backoffice allows partner to manage the entire system, view relevant statistics and transaction details, process top-ups for cards or bracelets, and much more.

PREPAID GIFT CARD

SIBS Romania offers the Prepaid Gift Card solution, a new and innovative solution in our country, which contributes to increasing the customer portfolio and the market visibility of the partners.

The prepaid gift card solution involves issuing a gift card under the Visa / Mastercard logo and can be issued by banks even in partnership with certain pre-established merchants (e.g. malls, gas stations, hotels, retailers etc.) that are able to decide which working points accept payments made with these cards.

The solution offers the possibility to build loyalty campaigns per group of merchants, periods of the year or customer categories, so the end user can benefit from discounts on purchases, bonuses, loyalty points or the possibility of cash-back. The prepaid card allows multiple currencies and can be physical or virtual.

The services offered by our company include issuing cards with layout according to Mastercard / Visa security standards, assistance in creating and approving the card design by card organizations, defining / parameterizing the loyalty solution, administrating the application so it offers the possibility of campaigns management for merchants , monthly or on-demand reports, changes of parameters / setting in the platform of new campaigns, depending on the interpretation of business reports, definition of the interface with the bank for establishing the sales channels of the loyalty card and top-up variants.

 

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SIBS Romania offers customer support for card holders, merchants and banks: technical support Level 1 & 2 (ATM, POS, Soft Pos), Interactive Voice Response (IVR), call recording, loyalty campaigns via call center, transaction monitoring, 3D Secure support, customer support for Apple Pay and Google.

Our skilled in-house team is ready to give support around the clock, seven days a week, in Romanian and English.

 

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Our risk management service guarantees maximum security for the payment transactions.

SIBS Romania’s fraud monitoring system applies to all current payment methods. Through automated processes, we carry out background checks for specific payment risks in real time and decide whether a payment process can be completed and in what amount.

Our checking procedure is highly flexible and the processes can be customized and tailored to the needs of each Partner, thus allowing the partners to avoid payment defaults.

The SIBS Romania fraud monitoring platform has different rules for issuing and acquiring, works in real time for authorization and near real-time for post-authorization (by creating and sending alerts via SMS / E-mail / push notification at the level of the application provided).

 

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