OUR VALUES
OUR MISSION
To be the Trusted Global Business Partner delivering Innovative and Sustainable Payment Services with the Highest Level of Quality in Clearly defined Industry Ecosystems.
Trust
in everything we do
in everything we do
Global ambition
Your global partner to provide innovative solutions without borders
Business Partner
we are not a supplier we outsource a key function
we are not a supplier we outsource a key function
Innovative
innovation drives everything
innovation drives everything
Sustainable payment services
We are here for the long run and we don’t risk the business of our stakeholders
We are here for the long run and we don’t risk the business of our stakeholders
Quality
If we can’t do it well don’t do it
If we can’t do it well don’t do it
Ecosystems
expertise is key
expertise is key
OUR VALUES
PASSION FOR CUSTOMERS
We are committed to companies, employees and merchants, working to understand and anticipate their needs as effectively as possible and align our services and our programs with their changing expectations. We relentlessly fine-tune every last detail to ensure that 100% of our customers would recommend us to their friends.
RESPECT
Business excellence requires respect. For this reason, we work proactively, accountably and honestly with our customers. We express our gratitude and our recognition every day to our colleagues. We efficiently use the resources provided to us by our shareholders. And we offer products and services that create value for all of our stakeholders in society as a whole.
IMAGINATION
Imagination stimulates innovation and gives rise to progress. Every day, we let our creativity run free to inspire and connect companies, employees and merchants in the working world, both today and tomorrow.
SIMPLICITY
Our customers want their interactions with us to be simple and easy. We strive to be straightforward in everything we do and transparent in everything we say.
ENTREPRENEURIAL SPIRIT
Edenred's entrepreneurial spirit drives growth and spreads the Group's pioneering ethos to the new territories that we set out to explore. It strengthens local empowerment while continually pushing us to higher levels of business excellence.
WORKING AT PPS
THE PPS LIFE
Here at PPS we are all about people. Our colleagues, our clients, our partners! All important, all matter to PPS.
What’s it like to work at PPS – well one thing is for sure – it’s never a dull moment. Every day, we are energised to go the extra mile. We work together no matter where we are in the world. Communication, collaboration; we can’t help ourselves, we just click as a team, well actually we feel like one family, the PPS family.
It’s fair to say life is busy, hectic sometimes, tight timescales, some may say very tight. But we deliver because that’s what our clients deserve. Quality delivery every time and we are the team to do it.
Did we say we have masses of fun too! Well if we didn’t, we do! Check out these pics. They say it all. Summer and Winter parties, celebrating our successes, team build activities in some of the most amazing locations in the UK.
Of course, we can’t all be together at the moment, but it doesn’t stop us having fun, we even managed a virtual summer celebration and a winter virtual gathering. And to help us do this every single one of us got an ‘e-gift’ voucher so we could say ‘cheers’ and pat ourselves on the back for a job very well done.
Because despite the challenges that this last year threw at us, we kicked back, and we delivered, time and time again.
PPS life, that’s it in a nutshell, but don’t take our word for it, see what our colleagues have to say below.
Sebastian Evans
founder of IndieGo
WHAT OUR COLLEAGUES SAY
"I’ve been working at PPS for almost 3 years now. My career here began in Customer Services where I was a Customer Service Advisor. After a number of challenging yet enjoyable months in this role I moved to a more senior position within Service Management as a Service Support Manager. PPS is committed to providing opportunities to develop and learn new skills and actively encourages and supports career progression. It is great to be part of a company that genuinely cares about their employees especially during the recent pandemic. I am excited about my future here at PPS."
Ella C, Service Support Manager
Ella C, Service Support Manager
"PPS has been a great opportunity for me in terms of its fast developing nature and high energy setting. As the industry is rapidly growing, there is always scope to learn be it MDES, 3DS or Open banking. Working during Covid has not been easy for most of us however, the spirit of PPS has always helped me strive for the best. With new start-ups, back to back meetings and speed for launch, you’re always busy and on your feet!"
Pearl B, Junior Project Manager
Pearl B, Junior Project Manager
"My Journey has always been full of surprises and a never ending flow of new experiences and events. Covid did strike me at the worst time when I started the new role internally, but my team were always there and helped me make it through!"
Holley F, Junior Platform Support Engineer
Holley F, Junior Platform Support Engineer
"Working for PPS is like going for a long run; hard work, and you may feel like packing it in everyone now and again, but totally worth it at the end of the day. There’s always a meaty challenge to get stuck into, and if you work hard and do a great job, everyone is able to see that and it encourages more people to step up and stand out! Having got married, bought and moved into a first house and been promoted to Banking Operations Manager while in COVID restrictions, I can safely say that managing a team remotely is the most difficult, although my wife may disagree! It’s been wonderful to see everyone willing and able work as normal while at home, although I miss the casual banter that grabbing a coffee usually entailed. I can’t wait to see everyone again, only to laugh while saying goodbye when I jet off for a long overdue honeymoon!"
Alex B, Banking Operations Manager
Alex B, Banking Operations Manager
"I’m so glad to have been given a position in PPS, it is an amazing company to be a part of.
Since I started here I’ve been able to learn so much about the fintech sector in addition to learning about the development, delivery and operational support of industry leading features.
I’ve had pleasure of working with many friendly highly intellectual peers and I eagerly look forwards to continuing my work here at PPS and carrying on what has been so far a fulfilling and successful career."
Leon H, Project Manager
Since I started here I’ve been able to learn so much about the fintech sector in addition to learning about the development, delivery and operational support of industry leading features.
I’ve had pleasure of working with many friendly highly intellectual peers and I eagerly look forwards to continuing my work here at PPS and carrying on what has been so far a fulfilling and successful career."
Leon H, Project Manager
"Working at PPS has been a Joy, I’ve been here 2 years and worked in 3 roles during that time. The company recognises the importance of the individual & will continually provide opportunities for improving your existing skills or taking your career in a totally different direction. I honestly believe anyone who is willing to try can find a home at PPS.
(Former Hotel Manager, Current People’s Choice Award Winner 2020, Windows Engineer)
Tony H, Desktop Support Engineer
(Former Hotel Manager, Current People’s Choice Award Winner 2020, Windows Engineer)
Tony H, Desktop Support Engineer
Working at PPS
UK & EU
E-Money License
E-Money License
Transaction
Processing
Processing
Banking
Services
Services
Mastercard &
Visa Issuer
Visa Issuer
Mobile
Payments
Payments
Programme
Management
Management
OUR VALUES
HEALTH AND WELLBEING
We take our health and wellbeing very seriously here at PPS.
‘You Matter’ is our health and wellbeing programme where we offer regular handy tips on a wide range of wellbeing topics. We work with external partners constantly looking at effective ways to support our people – YOU MATTER.
In addition we also offer:
• PMI – private medical insurance which also includes travel insurance
• EAP – employee assist programme and a 24/7 GP support services
• Monthly on site massages (when we are back in the office)
• Free fruit baskets (when we are back in the office)
But we don’t stop there – we are always looking at ways to improve our offering and our people are often asked for their ideas.
Team 'Check ins' - Regular catch ups with your teams is a great way to see how people are feeling. It is just as important to know how someone is doing as well as what they are doing.
Edenraid - this is our Global initiative that is ‘run’ literally every year. It is a great way to either start or continue getting up and active and brings some great team spirit into play. It is a programme that encourages individuals and teams to run, walk or cycle distances every day, every week, every month. It can become quite competitive too, with results published every week.
‘You Matter’ is our health and wellbeing programme where we offer regular handy tips on a wide range of wellbeing topics. We work with external partners constantly looking at effective ways to support our people – YOU MATTER.
In addition we also offer:
• PMI – private medical insurance which also includes travel insurance
• EAP – employee assist programme and a 24/7 GP support services
• Monthly on site massages (when we are back in the office)
• Free fruit baskets (when we are back in the office)
But we don’t stop there – we are always looking at ways to improve our offering and our people are often asked for their ideas.
Team 'Check ins' - Regular catch ups with your teams is a great way to see how people are feeling. It is just as important to know how someone is doing as well as what they are doing.
Edenraid - this is our Global initiative that is ‘run’ literally every year. It is a great way to either start or continue getting up and active and brings some great team spirit into play. It is a programme that encourages individuals and teams to run, walk or cycle distances every day, every week, every month. It can become quite competitive too, with results published every week.
VOLUNTEERING & CHARITY DAYS
We actively encourage at least 1 volunteer day to be taken every year and already have some great stories to tell. From supporting a local National Trust venue to clear their pathways to helping care for lost hedgehogs.
EDUCATION
Here at PPS we recognise the importance of having a skilled and competent workforce in order to achieve strategic and operational plans. Our education, learning and development schemes support those that wish to enhance their skills to improve performance.
THE SOCIAL SCENE
Working together and having fun together; we do both here at PPS. Seasonal celebrations are high on our agenda; from summer gatherings (virtual currently) to winter parties, breakfast meetings with yummy snacks and evening quizzes and nibbles. BBQs and treasure hunts and even singing Christmas carols together.
WHERE WE ARE
PPS office locations
LONDON
Our recently refurbished London offices are in the heart of Paddington, at Sheldon Square. We’re surrounded by the great things London has to offer such as artisan food markets, parks, live music, gym, cinema and shopping. Little Venice is just around the corner, and we’re next door to Paddington Station.
SWINDON
Our Swindon offices offer a bright and modern environment and are conveniently located next to the train station, and a stones’ throw from the town centre and designer outlet. We occupy 3 floors of the building providing plenty of open and collaborative spaces.
DUBAI
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PPS OFFICES
LONDON
View MapOur recently refurbished London offices are in the heart of Paddington, at Sheldon Square. We’re surrounded by the great things London has to offer such as artisan food markets, parks, live music, gym, cinema and shopping. Little Venice is just around the corner, and we’re next door to Paddington Station.
SWINDON
View MapOur Swindon offices offer a bright and modern environment and are conveniently located next to the train station, and a stones’ throw from the town centre and designer outlet. We occupy 3 floors of the building providing plenty of open and collaborative spaces.
BRUSSELS
View MapPPS Brussels is the hub of PPS Europe. It is the central contact and meeting point for PPS EU management, legal and compliance teams who are supporting our Pan-European licensing and operations.
DUBAI
View MapThe PPS Dubai office is situated on the Happiness Street and stands as a centre point for our UAE based team members and clients.
BENEFITS
Employee Benefits
Aside from a great team, we offer a wide range of employee benefits including:
Bonus scheme
Pension scheme
Holiday trading scheme
Gym subsidy or allowance
Season ticket loans
Long service award
Cycle to work scheme
Childcare vouchers
Discounted product portal
Social events
85% COMPLETION RATE
Employee engagement surveys
Each year we run an employee survey to help PPS understand what we do really well and what areas we need improve. It is an opportunity for our teams to have a voice.
In 2020 we ran a survey to understand what challenges our people were facing during the pandemic lockdown and we had an 85% completion rate. This proved to us that our people really value being able to give their feedback. Importantly, we can respond to that feedback and take action where and when needed.
We also take part in a Global employee survey that Edenred issue called EdenVoice. This is a staff satisfaction survey and everyone in PPS is encouraged to participate. We love getting feedback and thrive on the opportunities to change as a result.
600 TRAINING HOURS
Training and development
Over the last 2 years we delivered 600 training hours across a wide spectrum of training and development initiatives. From technical training, soft skill training, leadership and management development.
We have full access to an on-line training portal that we call EDU (Edenred Digital University). Not only does this provide access to all our mandatory training such as compliance and managing personal data but it also gives us access to subjects such as Change Management, Communication and Business Coaching.
240 HOURS FOR CHARITY
Volunteering days delivered
At PPS we encourage every employee to get involved and take at least 1 day every year to support a local, community project. We have been involved in supporting local National Trust Projects, keeping our wildlife safe and many more.
We also support Charities and this year we will be supporting TideCharity. To learn more about this please follow this link.
EMPLOYEE Testimonials
“Since joining PPS in 2007 as a Financial Analyst, not only am I surrounded by brilliant, friendly, and talented people, but I have been provided many opportunities for personal and professional development.”
John Smith
DATABASE ANALYST
"At PPS, every team member plays a valuable role in ensuring we “hit the right note” with our customers through delivery of excellent, on-time solutions. We all embrace the PPS Core Values, Mission, and Vision and realise they lead to a caring, committed, and driven team.”
Maria Parker
FINANCE ADMIN
“The company has developed an excellent team spirit and an attractive corporate culture, including a personalised approach, which has played a key role in not only my satisfaction but that of my associates too.”
Heather Miller
MARKETING EXEC
“Being part of a team that has the opportunity to build the culture and processes of a new company. We’re a global flat organisation and I like being able to see how my work affects the big picture.”
Theresa Mason
MARKETING
“PPS is a great place to grow and develop both professionally and personally. Senior Management listened to my ideas for new business, even the bad ones. And, after making the business case, they provided the necessary resources and support for a successful proposal effort ”
Andrew Collins
PROJECT MANAGER
“In the past, I have had the opportunity to work for two other processors. To date, the experiences I have had at PPS are by far the most rewarding and appreciated”
Jason Rogers
FINANCE
WELCOME TO PPS
Europe's leading Processor/Issuer
PrePay Solutions has been trusted by global brands to manage groundbreaking prepaid programmes including prepaid debit cards, travel money cards, gift cards, corporate cards, insurance cards, rewards cards, loyalty cards, staff cards, promotional cards, saver cards, warranty cards, trade in cards, corporate expense and product specific cards.PrePay Solutions’ programmes operate across multiple media and form factors, including physical, virtual and NFC. We have over 200 client programmes across 26 countries.
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ONE-STOP-SHOP
Everything you need to launch a successful programme under one roof
Transaction processing
PPS has one of the most complete and innovative prepaid platforms available in Europe today. We have an in house, multi lingual, multi currency processing platform that is entirely dedicated to the prepaid market. We regularly process millions of transactions for open loop¹, closed loop² and restricted access network (RAN) (also known as private label/filtered loop) programmes.
Our leading edge processing platform is designed to support many different transactions, from card generation through to expiry. We also offer full clearing and settlement services.
In addition to traditional closed and open loop cards, the PPS platform supports a vast array of loyalty, virtual cards and multi currency wallets, including non financial wallets for loyalty points and other non financial instruments.
PPS brings to its clients:
Platform flexibility: our transaction processing platform is capable of handling all transaction types, including both full and partial redemption; it supports Mastercard®, ISO, APACS, XML web messaging and proprietary messaging formats where needed
Consistency for retailers: merchants can treat Mastercard® transactions in the same way as all other transactions
Built to banking standards: PPS is PCI level 1 DSS compliant and certified by Mastercard®
Compatibility with existing systems: we can work with proprietary formats and translate them into the appropriate messages within our platform
Service Availability: our platform operates 24/7, 365 days a year, to ensure peace of mind for our customers and their cardholders
Resilience: our primary and backup systems run simultaneously in order to ensure full redundancy of all data. This way, all of our data is mirrored across duplicate sites in real time, so that all systems contain identical information
Global reach: all of our solutions are multi currency and multi lingualIn addition to these transaction processing services, PPS is able to offer its clients an end to end service all under one roof. For more information about what we can offer and who we are, please visit our About Us section.
¹Open Loop: a card programme that is associated with an electronic payment network, such as Mastercard®, and honoured wherever this network is accepted.
²Closed Loop: a card programme that is merchant specific and used for transactions exclusively at a particular merchant’s locations.
Direct Integration
In order to provide superior transaction processing alongside other value added services, PPS has integrated its processing platform with many clients and partners.To this end, we have developed a suite of APIs (application programming interfaces) to help clients’ systems communicate and interact with all of PPS’ core systems seamlessly. These APIs include:
Web services
Web authorisation
Batch file interface
Mastercard®
PPS is a Mastercard® magnetic stripe, EMV and PayPass certified processor. Many of our programmes use the Mastercard® network for redemption. Mastercard® is accepted around the world at retail outlets and ATM machines, wherever the Mastercard® (or Maestro/Cirrus) sign is displayed. Mastercard® is currently accepted in more than 24.6m locations in more than 210 countries worldwide.For Mastercard®/Maestro badged and Mastercard® RAN products where the Mastercard®/Maestro badge is removed, we can offer Magstripe, EMV (Chip) or PayPass solutions for processing.
PayPass™
Developed by Mastercard®, PayPass™ enables cardholders to make everyday purchases quickly and safely with just a tap of a Mastercard® or Maestro® card on a contactless enabled device. In the UK, the contactless transaction is authorised for payment up to £25. For payments higher than this amount, the cardholder will be required to swipe or ‘dip’ the card and authorise the transaction by entering his or her PIN number.
PPS currently offers several contactless cards.
NFC
Near Field Communication (NFC) is a technology that allows a mobile phone to securely transmit and receive information wirelessly. NFC works in much the same way as a contactless card, but uses a mobile device rather than a card. NFC-enabled mobile phones can be used to pay for everyday purchases by tapping the phone on a contactless device at any Point of Sale (PoS) offering this payment option.The payment limitations of NFC are similar to those of contactless cards: for purchases up to £25, the payment can be made using the phone’s NFC functionality. For higher amounts, however, a PIN code will need to be entered onto the phone in order to authorise the transaction.
PPS currently offers a number of NFC-enabled programmes.
Custom Protocol
The PPS processing platform is extremely flexible and can work with a client’s preferred custom protocol, if desired. Tailor made protocols like these can often facilitate integration, interfaces, messaging, and agreed roles and responsibilities – or can simply be used to cater to a client’s preferred way of working.
Our leading edge processing platform is designed to support many different transactions, from card generation through to expiry. We also offer full clearing and settlement services.
In addition to traditional closed and open loop cards, the PPS platform supports a vast array of loyalty, virtual cards and multi currency wallets, including non financial wallets for loyalty points and other non financial instruments.
PPS brings to its clients:
Platform flexibility: our transaction processing platform is capable of handling all transaction types, including both full and partial redemption; it supports Mastercard®, ISO, APACS, XML web messaging and proprietary messaging formats where needed
Consistency for retailers: merchants can treat Mastercard® transactions in the same way as all other transactions
Built to banking standards: PPS is PCI level 1 DSS compliant and certified by Mastercard®
Compatibility with existing systems: we can work with proprietary formats and translate them into the appropriate messages within our platform
Service Availability: our platform operates 24/7, 365 days a year, to ensure peace of mind for our customers and their cardholders
Resilience: our primary and backup systems run simultaneously in order to ensure full redundancy of all data. This way, all of our data is mirrored across duplicate sites in real time, so that all systems contain identical information
Global reach: all of our solutions are multi currency and multi lingualIn addition to these transaction processing services, PPS is able to offer its clients an end to end service all under one roof. For more information about what we can offer and who we are, please visit our About Us section.
¹Open Loop: a card programme that is associated with an electronic payment network, such as Mastercard®, and honoured wherever this network is accepted.
²Closed Loop: a card programme that is merchant specific and used for transactions exclusively at a particular merchant’s locations.
Direct Integration
In order to provide superior transaction processing alongside other value added services, PPS has integrated its processing platform with many clients and partners.To this end, we have developed a suite of APIs (application programming interfaces) to help clients’ systems communicate and interact with all of PPS’ core systems seamlessly. These APIs include:
Web services
Web authorisation
Batch file interface
Mastercard®
PPS is a Mastercard® magnetic stripe, EMV and PayPass certified processor. Many of our programmes use the Mastercard® network for redemption. Mastercard® is accepted around the world at retail outlets and ATM machines, wherever the Mastercard® (or Maestro/Cirrus) sign is displayed. Mastercard® is currently accepted in more than 24.6m locations in more than 210 countries worldwide.For Mastercard®/Maestro badged and Mastercard® RAN products where the Mastercard®/Maestro badge is removed, we can offer Magstripe, EMV (Chip) or PayPass solutions for processing.
PayPass™
Developed by Mastercard®, PayPass™ enables cardholders to make everyday purchases quickly and safely with just a tap of a Mastercard® or Maestro® card on a contactless enabled device. In the UK, the contactless transaction is authorised for payment up to £25. For payments higher than this amount, the cardholder will be required to swipe or ‘dip’ the card and authorise the transaction by entering his or her PIN number.
PPS currently offers several contactless cards.
NFC
Near Field Communication (NFC) is a technology that allows a mobile phone to securely transmit and receive information wirelessly. NFC works in much the same way as a contactless card, but uses a mobile device rather than a card. NFC-enabled mobile phones can be used to pay for everyday purchases by tapping the phone on a contactless device at any Point of Sale (PoS) offering this payment option.The payment limitations of NFC are similar to those of contactless cards: for purchases up to £25, the payment can be made using the phone’s NFC functionality. For higher amounts, however, a PIN code will need to be entered onto the phone in order to authorise the transaction.
PPS currently offers a number of NFC-enabled programmes.
Custom Protocol
The PPS processing platform is extremely flexible and can work with a client’s preferred custom protocol, if desired. Tailor made protocols like these can often facilitate integration, interfaces, messaging, and agreed roles and responsibilities – or can simply be used to cater to a client’s preferred way of working.
Programme Services
APPLICATION & LOAD
Application
PPS provides real time Know Your Customer (KYC) services as part of its comprehensive programme management. We also work with third parties to provide KYC, and can leverage, where applicable, a client’s/partner’s established KYC/Know Your Business (KYB) processes if these are already being conducted as part of the client’s/partner’s application process.
PPS also provides UK and European in store and online issuance as part of our application service.
Loading
PPS provides the following loading channels:Credit/debit cardIn store/online using direct integrationCorporate and batch loading
Cash load
PPS is seamlessly connected to most of the leading international providers of cash top up networks, including PayPoint, which has over 25,600 locations in the UK and the Post Office, which has 11,800 locations in the UK.
MANAGEMENT INFORMATION AND DATA
PPS provides its clients with detailed insight into customer behaviour and card usage trends through several means, including automatic standard reports, management information reports and data feeds
E MONEY
PPS is regulated by the UK Financial Conduct Authority (FCA) and has a full e-money licence which is valid across Europe. PPS provides full compliance and regulatory support for its clients and is a principle Mastercard® member and BIN sponsor.
PPSs can issue cards in any country in the Single Euro Payments Area (SEPA) and wherever Mastercard® is accepted globally, including point of sale (POS), online and ATM withdrawals.
PPS holds funds that are associated with prepaid balances in strict accordance with all relevant e money regulations, and uses these funds to settle with relevant parties, including Mastercard® or other redemption partners where PPS has direct integration.
ACCOUNT MANAGEMENT & SERVICE IMPROVEMENT REVIEW
PPS provides a day to day commercial contact who works in partnership with our clients to introduce innovation and agree a product/enhancement roadmap for implementation. These commercial contacts will arrange regular account management discussions, coordinate on going service improvement reviews and will plan in strategic reviews with key stakeholders. They will also facilitate any change requests from initial enquiry through to implementation and launch.As part of PPS’ account management approach, our clients will also be assigned an allocated service improvement manager who will work with the client and PPS’ account managers to focus on operational coordination and optimisation. In addition, all of our account managers routinely monitor all client Service Level Agreements (SLAs) and take action before an SLA is breached.We also pride ourselves on conducting quarterly service reviews on a consistent basis, in partnership with the account team, so that we can report on our performance against our agreed SLAs and address any operational concerns. As a result, we are able to improve any behaviour or processes that are not delivering a best in-class experience for our clients.
PROJECT MANAGEMENT
PPS provides clients with a dedicated project manager in order to deliver a complete end to end programme – within agreed timescales and on budget – throughout the entire project lifecycle, from initiation, definition and implementation through to testing, deployment and close down. Our project managers will coordinate all of the resources required from PPS and will also report to stakeholders on a regular basis.
All of PPS’ projects are managed in strict accordance with the governance and guidelines set out by leading industry frameworks.
TECHNICAL SUPPORT
PPS’ technical support team offers a 24/7 hotline for our clients and partners. In order to provide a superior service that meets our contractual service level agreements as well as industry leading frameworks, our technical team actively monitor our system availability for both our production and backup sites.Second line support is also available for incidents that require immediate escalation. Details of how our performance relates to our Service Level Agreement (SLA) can be provided to clients via the services delivery team
CARD PROCUREMENT
PPS can source and manage supplier relationships for any card programme, if required. Alternatively, we can also help to guide our clients who would like to procure cards themselves. PPS works with most of Europe’s leading card manufacturers, including Allpay, CPI, Gemalto, Nitecrest, Oberthur and Thames Card.
PROGRAMME SERVICES
PPS provides a comprehensive suite of prepaid card services, ranging from expert programme design and on going programme support to full transaction processing, BIN procurement and e money compliance services. Our end to end supply chain management covers every element of your prepaid card solution.
DIGITAL ISSUANCE
PPS is connected to some of the industry’s best known digital providers, including: Hemingways CPI’s Myca Cashstar Transaction Wireless.
GIFT CARD MALL DISTRIBUTION
PPS has relationships with all of Europe’s leading gift card mall providers, including:
Incomm, the largest prepaid distributor in Europe, gives PPS’ clients access to more than 8,000 distribution locations throughout the UK – including Superdrug, Sainsbury’s, Argos, Clintons, and WHSmith – and over 6,000 retailers across Europe including: Auchan, Simply Market, Game and Gamestop in France;Carrefour, El Cortes Ingles, Gamestop and Game in Spain;Media Satrun, Gamestop and Karstadt in Germany;
The company also has a large range of distributors in Portugal, Italy, Belgium, the Netherlands, Switzerland, Austria, Poland, Norway, Sweden and Finland.
Blackhawk Network, an award-winning Gift Card Mall operator, provides PPS’ clients with access to more than 6,000 distribution locations throughout the UK and ROI – including Tesco, Boots, Co-Op, Xtravision, and Superquinn – as well as more than 16,000 distribution retailers across Europe including:
Carrefour, Casino and Monoprix in France;Albert Heijn, Kruidvat in the Netherlands;Norgesgruppen, Narvesen, Expert in Norway;
The company also work closely with retail distributors in Italy, Germany, Belgium, Switzerland, Sweden, Finland, and Denmark.Epay, a division of Euronet Worldwide, one of the largest electronic payments processor of prepaid mobile airtime around the world, provides PPS’ clients with access to 348,000 retailers in 35 countries including the UK, Australia, Ireland, New Zealand, Germany, Poland, Romania, Spain, Italy, Greece and North America.
Application
PPS provides real time Know Your Customer (KYC) services as part of its comprehensive programme management. We also work with third parties to provide KYC, and can leverage, where applicable, a client’s/partner’s established KYC/Know Your Business (KYB) processes if these are already being conducted as part of the client’s/partner’s application process.
PPS also provides UK and European in store and online issuance as part of our application service.
Loading
PPS provides the following loading channels:Credit/debit cardIn store/online using direct integrationCorporate and batch loading
Cash load
PPS is seamlessly connected to most of the leading international providers of cash top up networks, including PayPoint, which has over 25,600 locations in the UK and the Post Office, which has 11,800 locations in the UK.
MANAGEMENT INFORMATION AND DATA
PPS provides its clients with detailed insight into customer behaviour and card usage trends through several means, including automatic standard reports, management information reports and data feeds
E MONEY
PPS is regulated by the UK Financial Conduct Authority (FCA) and has a full e-money licence which is valid across Europe. PPS provides full compliance and regulatory support for its clients and is a principle Mastercard® member and BIN sponsor.
PPSs can issue cards in any country in the Single Euro Payments Area (SEPA) and wherever Mastercard® is accepted globally, including point of sale (POS), online and ATM withdrawals.
PPS holds funds that are associated with prepaid balances in strict accordance with all relevant e money regulations, and uses these funds to settle with relevant parties, including Mastercard® or other redemption partners where PPS has direct integration.
ACCOUNT MANAGEMENT & SERVICE IMPROVEMENT REVIEW
PPS provides a day to day commercial contact who works in partnership with our clients to introduce innovation and agree a product/enhancement roadmap for implementation. These commercial contacts will arrange regular account management discussions, coordinate on going service improvement reviews and will plan in strategic reviews with key stakeholders. They will also facilitate any change requests from initial enquiry through to implementation and launch.As part of PPS’ account management approach, our clients will also be assigned an allocated service improvement manager who will work with the client and PPS’ account managers to focus on operational coordination and optimisation. In addition, all of our account managers routinely monitor all client Service Level Agreements (SLAs) and take action before an SLA is breached.We also pride ourselves on conducting quarterly service reviews on a consistent basis, in partnership with the account team, so that we can report on our performance against our agreed SLAs and address any operational concerns. As a result, we are able to improve any behaviour or processes that are not delivering a best in-class experience for our clients.
PROJECT MANAGEMENT
PPS provides clients with a dedicated project manager in order to deliver a complete end to end programme – within agreed timescales and on budget – throughout the entire project lifecycle, from initiation, definition and implementation through to testing, deployment and close down. Our project managers will coordinate all of the resources required from PPS and will also report to stakeholders on a regular basis.
All of PPS’ projects are managed in strict accordance with the governance and guidelines set out by leading industry frameworks.
TECHNICAL SUPPORT
PPS’ technical support team offers a 24/7 hotline for our clients and partners. In order to provide a superior service that meets our contractual service level agreements as well as industry leading frameworks, our technical team actively monitor our system availability for both our production and backup sites.Second line support is also available for incidents that require immediate escalation. Details of how our performance relates to our Service Level Agreement (SLA) can be provided to clients via the services delivery team
CARD PROCUREMENT
PPS can source and manage supplier relationships for any card programme, if required. Alternatively, we can also help to guide our clients who would like to procure cards themselves. PPS works with most of Europe’s leading card manufacturers, including Allpay, CPI, Gemalto, Nitecrest, Oberthur and Thames Card.
PROGRAMME SERVICES
PPS provides a comprehensive suite of prepaid card services, ranging from expert programme design and on going programme support to full transaction processing, BIN procurement and e money compliance services. Our end to end supply chain management covers every element of your prepaid card solution.
DIGITAL ISSUANCE
PPS is connected to some of the industry’s best known digital providers, including: Hemingways CPI’s Myca Cashstar Transaction Wireless.
GIFT CARD MALL DISTRIBUTION
PPS has relationships with all of Europe’s leading gift card mall providers, including:
Incomm, the largest prepaid distributor in Europe, gives PPS’ clients access to more than 8,000 distribution locations throughout the UK – including Superdrug, Sainsbury’s, Argos, Clintons, and WHSmith – and over 6,000 retailers across Europe including: Auchan, Simply Market, Game and Gamestop in France;Carrefour, El Cortes Ingles, Gamestop and Game in Spain;Media Satrun, Gamestop and Karstadt in Germany;
The company also has a large range of distributors in Portugal, Italy, Belgium, the Netherlands, Switzerland, Austria, Poland, Norway, Sweden and Finland.
Blackhawk Network, an award-winning Gift Card Mall operator, provides PPS’ clients with access to more than 6,000 distribution locations throughout the UK and ROI – including Tesco, Boots, Co-Op, Xtravision, and Superquinn – as well as more than 16,000 distribution retailers across Europe including:
Carrefour, Casino and Monoprix in France;Albert Heijn, Kruidvat in the Netherlands;Norgesgruppen, Narvesen, Expert in Norway;
The company also work closely with retail distributors in Italy, Germany, Belgium, Switzerland, Sweden, Finland, and Denmark.Epay, a division of Euronet Worldwide, one of the largest electronic payments processor of prepaid mobile airtime around the world, provides PPS’ clients with access to 348,000 retailers in 35 countries including the UK, Australia, Ireland, New Zealand, Germany, Poland, Romania, Spain, Italy, Greece and North America.
Cardholder Services
Call Centre
Working with its partners, PPS provides multi channel customer service support to its clients for all general cardholder queries, as well as card blocking, card cancellation, PIN reset, logging lost/stolen/damaged cards, providing card balances, transaction queries/disputes and fraud management. PPS works very closely with its clients in order to ensure that the branding of all of these services reflects their specific objectives and values.Alternatively, if a client would prefer to manage its customer services directly, we can also provide appropriate train the trainer training and on going support.
Interactive Voice Response (IVR)
IVR (Interactive Voice Response) is an automated telephone service that allows cardholders to self manage many different aspects of their card account, including activation, balance enquiries and to report lost and stolen cards. IVR can also be used to direct callers to a live customer service agent in order to assist with general customer service queries. As with all of our solutions, our IVR system can be branded by individual programme, according to our client’s needs.We can also provide clients with IVR phone numbers that include customised ‘menu managers’ that are linked to our own back office systems. This way, callers can be automatically routed to the relevant PPS’ function, such as a balance enquiry or to request a telephone number for instant live customer service, when prompted.
SMS
Together with our partners, we give our customers the ability to use SMS (text messaging) in two important ways:
Incoming SMS
An SMS ‘voucher request’ enables potential cardholders to pay for a card application using their mobile phone. Callers simply need to text a keyword (e.g. “Apply”) to a short code, and then an SMS is sent back to the cardholder (reverse charged to their mobile phone bill) with a voucher code that they can use in the online card application process.Callers can also use SMS to request their account balance by texting the word “BALANCE” along with their account number to a short code. Once this has been done, an SMS is sent back to the cardholder containing the account balance. To use this service, the caller’s mobile phone number must be registered against his or her card account.
Outgoing SMS (and/or email)
Outgoing SMS are typically triggered by system events, such as balance changing alerts or to communicate regulatory information changes. An email or SMS can only be sent if the relevant information is registered against the user’s account, and it is the cardholder’s responsibility to keep this information up to date.
Quick Response (QR) Codes
PPS has developed a QR code for cardholders to check their balance easily
ACCOUNT SERVICING
My Account
My Account is an online portal/mobile app hosted by PPS. Cardholders simply need to register their cards on My Account in order to get instant access to their card information in real time.Each cardholder has an associated account where his or her card balance is held. The account can be topped up using My Account and the funds will then be available to spend using the card.Cardholders can register their details, check their balances and review all their transactions online or via the My Account app on their mobile device. Personalised notifications can also be set up very easily. For example, cardholders can choose to set up a notification to warn them if the funds on a card are running low. For added security, cards that are reported as lost, stolen or damaged can be instantly blocked to prevent fraudulent usage.My Account can also help to reduce operational costs for businesses significantly, since cardholders typically use these self service functions to manage their accounts themselves.
My Business Account
Our end to end solution for corporate programmes, combined with our My Business Account (MBA) web portal, provides programme managers with instant access to a unique gateway that allows them to manage all of the company’s prepaid card activity in one place. MBA is therefore the ultimate tool for small to medium (SME) enterprises that are looking to organise, analyse, monitor and control their business expenses easily.The creation of a corporate Master Account enables the company to segregate funds between the business and its approved cardholders, and to fund cardholder accounts in seconds. The MBA portal also makes it easy to manage the Master Account and all other cardholders’ accounts online, in real time, including reviewing transactions history and exporting data.
CARDHOLDER SERVICES
PPS provides a full suite of self service options for all types of programmes, so that cardholders can always manage their own accounts easily. All of these services have been created by PPS and are managed and hosted in house.
Working with its partners, PPS provides multi channel customer service support to its clients for all general cardholder queries, as well as card blocking, card cancellation, PIN reset, logging lost/stolen/damaged cards, providing card balances, transaction queries/disputes and fraud management. PPS works very closely with its clients in order to ensure that the branding of all of these services reflects their specific objectives and values.Alternatively, if a client would prefer to manage its customer services directly, we can also provide appropriate train the trainer training and on going support.
Interactive Voice Response (IVR)
IVR (Interactive Voice Response) is an automated telephone service that allows cardholders to self manage many different aspects of their card account, including activation, balance enquiries and to report lost and stolen cards. IVR can also be used to direct callers to a live customer service agent in order to assist with general customer service queries. As with all of our solutions, our IVR system can be branded by individual programme, according to our client’s needs.We can also provide clients with IVR phone numbers that include customised ‘menu managers’ that are linked to our own back office systems. This way, callers can be automatically routed to the relevant PPS’ function, such as a balance enquiry or to request a telephone number for instant live customer service, when prompted.
SMS
Together with our partners, we give our customers the ability to use SMS (text messaging) in two important ways:
Incoming SMS
An SMS ‘voucher request’ enables potential cardholders to pay for a card application using their mobile phone. Callers simply need to text a keyword (e.g. “Apply”) to a short code, and then an SMS is sent back to the cardholder (reverse charged to their mobile phone bill) with a voucher code that they can use in the online card application process.Callers can also use SMS to request their account balance by texting the word “BALANCE” along with their account number to a short code. Once this has been done, an SMS is sent back to the cardholder containing the account balance. To use this service, the caller’s mobile phone number must be registered against his or her card account.
Outgoing SMS (and/or email)
Outgoing SMS are typically triggered by system events, such as balance changing alerts or to communicate regulatory information changes. An email or SMS can only be sent if the relevant information is registered against the user’s account, and it is the cardholder’s responsibility to keep this information up to date.
Quick Response (QR) Codes
PPS has developed a QR code for cardholders to check their balance easily
ACCOUNT SERVICING
My Account
My Account is an online portal/mobile app hosted by PPS. Cardholders simply need to register their cards on My Account in order to get instant access to their card information in real time.Each cardholder has an associated account where his or her card balance is held. The account can be topped up using My Account and the funds will then be available to spend using the card.Cardholders can register their details, check their balances and review all their transactions online or via the My Account app on their mobile device. Personalised notifications can also be set up very easily. For example, cardholders can choose to set up a notification to warn them if the funds on a card are running low. For added security, cards that are reported as lost, stolen or damaged can be instantly blocked to prevent fraudulent usage.My Account can also help to reduce operational costs for businesses significantly, since cardholders typically use these self service functions to manage their accounts themselves.
My Business Account
Our end to end solution for corporate programmes, combined with our My Business Account (MBA) web portal, provides programme managers with instant access to a unique gateway that allows them to manage all of the company’s prepaid card activity in one place. MBA is therefore the ultimate tool for small to medium (SME) enterprises that are looking to organise, analyse, monitor and control their business expenses easily.The creation of a corporate Master Account enables the company to segregate funds between the business and its approved cardholders, and to fund cardholder accounts in seconds. The MBA portal also makes it easy to manage the Master Account and all other cardholders’ accounts online, in real time, including reviewing transactions history and exporting data.
CARDHOLDER SERVICES
PPS provides a full suite of self service options for all types of programmes, so that cardholders can always manage their own accounts easily. All of these services have been created by PPS and are managed and hosted in house.
Financial
The PPS finance team works closely with our clients and partners on:
Reconciliation
Cash management
Float management
FX management
Load settlement from various third party channels
Redemption settlement with third parties including Mastercard®
Dispute resolution/chargebacks
All of our financial services are undertaken in accordance with the safeguarding requirements set out by our regulatory framework.
Reconciliation
Cash management
Float management
FX management
Load settlement from various third party channels
Redemption settlement with third parties including Mastercard®
Dispute resolution/chargebacks
All of our financial services are undertaken in accordance with the safeguarding requirements set out by our regulatory framework.
Security
PPS takes information security extremely seriously; it is ingrained into the company’s culture, as evidenced by our dedicated and highly skilled security staff. Information security is not only operated as a business as usual activity, but is actively championed by all employees. The importance of this area is fully supported by the management team and at all levels of the business. As such, we make sure that every aspect of data communication is always performed in a secure way.
RISK MANAGEMENT
Our dedicated security team ensures that risk is managed effectively and in accordance with our business objectives. Furthermore, we are committed to creating, maintaining and testing robust business continuity strategies that will reduce the impact of any unforeseen events and safeguard our reputation in the event of a crisis. PPS continually educates its employees in all of these areas in order to build a risk-aware culture across the organisation.
PCI DSS
The major global payment brands require that every entity – including financial institutions, merchants and service providers – that stores, processes, or transmits payment card data, in any channel (including catalogue and online retailers, as well as brick-and-mortar businesses) must be in compliance with PCI-DSS.As a principal Mastercard® member, PPS is required to validate and enforce its PCI DSS compliance and reporting requirements to the highest level, and we are committed to maintaining and improving our performance in this area each year. PPS has been recognised as one of MasterCard®’s compliant service providers.
Above all else, we aim to provide a safe and trusted service and environment for our cardholders and business clients.
RISK MANAGEMENT
Our dedicated security team ensures that risk is managed effectively and in accordance with our business objectives. Furthermore, we are committed to creating, maintaining and testing robust business continuity strategies that will reduce the impact of any unforeseen events and safeguard our reputation in the event of a crisis. PPS continually educates its employees in all of these areas in order to build a risk-aware culture across the organisation.
PCI DSS
The major global payment brands require that every entity – including financial institutions, merchants and service providers – that stores, processes, or transmits payment card data, in any channel (including catalogue and online retailers, as well as brick-and-mortar businesses) must be in compliance with PCI-DSS.As a principal Mastercard® member, PPS is required to validate and enforce its PCI DSS compliance and reporting requirements to the highest level, and we are committed to maintaining and improving our performance in this area each year. PPS has been recognised as one of MasterCard®’s compliant service providers.
Above all else, we aim to provide a safe and trusted service and environment for our cardholders and business clients.
Solutions Design
THIRD PARTY
To deliver a robust end-to-end solution for our clients, PPS works closely with a wide range of third parties, including:
Card manufacturers
Cash top-up networks
Gift Card mall providers
Digital issuers
Interactive Voice Response (IVR) service providers
SMS service providers
Banks
PRODUCT CONSULTANCY
We hold strategic review and brainstorming sessions with all of our clients in order to determine the prepaid solution that they need, whether it is B2B or B2C – or both. We also help them to create a detailed product roadmap, complete with any change management initiatives that are needed, where appropriate.
ADDED VALUE
Backed by both Mastercard® and Edenred, and with prepaid experience dating back to 2000, PPS has extensive knowledge of the products and services available in this fast-growing market, and is committed to finding the best solution for our clients.
We actively recruit and educate our teams to understand our customers’ different sectors, ensuring that we can deliver a tailor-made solution that will deliver sustainable commercial success. We also give our customers advice on how to avoid the most common pitfalls in this area, so that they to make informed decisions about which products and services to choose.
To deliver a robust end-to-end solution for our clients, PPS works closely with a wide range of third parties, including:
Card manufacturers
Cash top-up networks
Gift Card mall providers
Digital issuers
Interactive Voice Response (IVR) service providers
SMS service providers
Banks
PRODUCT CONSULTANCY
We hold strategic review and brainstorming sessions with all of our clients in order to determine the prepaid solution that they need, whether it is B2B or B2C – or both. We also help them to create a detailed product roadmap, complete with any change management initiatives that are needed, where appropriate.
ADDED VALUE
Backed by both Mastercard® and Edenred, and with prepaid experience dating back to 2000, PPS has extensive knowledge of the products and services available in this fast-growing market, and is committed to finding the best solution for our clients.
We actively recruit and educate our teams to understand our customers’ different sectors, ensuring that we can deliver a tailor-made solution that will deliver sustainable commercial success. We also give our customers advice on how to avoid the most common pitfalls in this area, so that they to make informed decisions about which products and services to choose.
Regulatory
PPS is authorised and regulated by the Financial Conduct Authority (FCA) for the issuance of E money. We also comply with the following regulatory frameworks:
Regularity Framework:
Electronic Money Directive (“EMD”)
Payment Services Directive (“PSD”)
Anti Money Laundering Directive
Proceeds of Crime Act 2002 (“POCA”), Terrorism Act 2000, Counter Terrorism Act 2008EC
Wire Transfer Regulations
Co operation with Law Enforcement Agencies
The Data Protection Act (“DPA”) and various Information Security Standards
Payment Card Industry Data Security Standards (“PCIDSS”)
PPS also adheres to:
Financial Conduct Authority (FCA) supervision
Mastercard® bi-annual Fraud Management Program (“FMP”) review and RAMP review
Edenred Internal audit
Annual PCIDSS audit
Audits from agents as necessary
As part of this framework, PPS will sometimes carry out audits on some of the processes performed by our clients, including compliance with anti money laundering (AML) and Know Your Customer (KYC) regulations and appropriate customer due diligence.
E MONEY
PPS is regulated by the UK Financial Conduct Authority (FCA) and has a full e-money licence which is valid across Europe. PPS delivers full compliance and regulatory support to its clients and is a principle Mastercard® member and BIN sponsor.
PPS can issue cards in any country in the Single Euro Payments Area (SEPA) and wherever Mastercard® is accepted globally, including point-of-sale (POS), online and ATM withdrawals.
PPS holds funds associated with prepaid balances in strict accordance with all relevant e-money regulations and uses these funds to settle with relevant parties, including Mastercard® or other redemption partners where PPS has direct integration.
Regularity Framework:
Electronic Money Directive (“EMD”)
Payment Services Directive (“PSD”)
Anti Money Laundering Directive
Proceeds of Crime Act 2002 (“POCA”), Terrorism Act 2000, Counter Terrorism Act 2008EC
Wire Transfer Regulations
Co operation with Law Enforcement Agencies
The Data Protection Act (“DPA”) and various Information Security Standards
Payment Card Industry Data Security Standards (“PCIDSS”)
PPS also adheres to:
Financial Conduct Authority (FCA) supervision
Mastercard® bi-annual Fraud Management Program (“FMP”) review and RAMP review
Edenred Internal audit
Annual PCIDSS audit
Audits from agents as necessary
As part of this framework, PPS will sometimes carry out audits on some of the processes performed by our clients, including compliance with anti money laundering (AML) and Know Your Customer (KYC) regulations and appropriate customer due diligence.
E MONEY
PPS is regulated by the UK Financial Conduct Authority (FCA) and has a full e-money licence which is valid across Europe. PPS delivers full compliance and regulatory support to its clients and is a principle Mastercard® member and BIN sponsor.
PPS can issue cards in any country in the Single Euro Payments Area (SEPA) and wherever Mastercard® is accepted globally, including point-of-sale (POS), online and ATM withdrawals.
PPS holds funds associated with prepaid balances in strict accordance with all relevant e-money regulations and uses these funds to settle with relevant parties, including Mastercard® or other redemption partners where PPS has direct integration.
CAREERS
Interested in a career at PPS?
Please email us at careers@prepaysolutions.com
VIEW LINKEDIN VACANCIESEDenpeople
Interested in a career at PPS?
Head over to the Edenred global recruitment portal to view our current vacancies.
VIEW VACANCIES
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Launch your own prepaid programme
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Small
100+ Components
For Personal Use
Up to 3 Projects
Interactions
CMS Content
£7,250
Exc Mastercard Fees
MORE...Popular
Medium
1,000+ Prepaid cards
Dedicated Project Manager
Up to 10000 transactions ppm
Notifications
CMS Content
£21,000
Exc Mastercard Fees
MORE...Large
10,000 Prepaid cards
Dedicated Call Centre
Unlimited transactions
Branded banking App
Fraud Extra*
£50,000
Exc Mastercard Fees
MORE...Do not hesitate to contact us if you have any questions about our pricing plans. We're here to help. Oh, and don’t forget to check the FAQ page.
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