TOURISM
INNOVATIVE PAYMENT SOLUTIONS
THE FUTURE OF
PAYMENT FOR THE
TOURISM AND
TRAVEL BUSINESS
3
Wirecard is one of the world‘s leading independent
providers of payment solutions. As a long-standing
partner of numerous major airlines and travel ope
-ra tors, Wirecard competently supports its customers
in the tourism industry.
Whether an airline, cruise company, tour operator,
travel agency, hotel or logistics provider, with
85 different payment and security modules and our
own bank licence, we can develop the right offline,
online and mobile solutions for you.
We are guided by your individual requirements and
the highest security standards. We provide the
best solution, which is most cost-effective for you
and can be easily integrated and used.
THE PERFECT
PARTNER
As a long-standing partner of numerous major airlines and travel operators, Wirecard has acquired special expertise in the tourism industry. The strategic partnership with IATA is just one example that proves this.
SERVICE FROM A
SINGLE SOURCE
Lasting success in the tourism industry also depends on
offering sufficient choice of national and international
payment methods. With the right products and solutions
for protection against payment default, sales can also
be increased.
55
ACQUIRING
Because we have a full bank licence, our portfolio includes acceptance contracts for almost all credit cards as well as a number of alternative payment methods.
ISSUING
With our diverse physical and virtual credit card programmes, we offer flexible, efficient tools that allow you to increase income.
RISK AND SECURITY
We offer intelligent fraud recognition and fraud protection systems that reduce the risk of payment default for all payment methods.
MULTICHANNEL SOLUTIONS
Our payment platform makes it possible to carry out multichannel sales with comprehensive functions. We therefore ensure the end-to-end process in your value creation is guaranteed.
MULTICHANNEL SOLUTIONS
ONE SINGLE
INTERFACE
Wirecard supports multichannel sales for all business
models in the tourism industry via one payment platform.
With the connection to BSP, we also offer an additional
sales channel.
From interfaces with diverse account management
func-tions for initial contact with end consumers to payouts
to customers, we support the end-to-end process of the
value creation chain in all sectors. As a rule, customers
with complex systems have a single contact at Wirecard.
Clear allocation ensures the control of payment amounts,
payments due and the reconciliation of bookings with
payments. Uniform data is always transferred via all
chan-nels. This allows us to guarantee secure payment flow
and improved efficiency.
7
Multichannel solutions make
it possible to cover up to 100%
of sales channels relevant to
the sector.
E-Commerce
M-Commerce
Mail and telephone order
Point of sale/over-the-counter business
Travel agencies
DDDD
MULTICHANNEL SOLUTIONS
PAYMENT PROCESSING AT
POS TERMINALS
In the tourism industry, business success essentially depends on being able to offer target market and target group payment options, regardless of the point of sale. With one of the largest payment portfolios for the tourism industry, we offer flexible, scalable solutions for all relevant sales channels along the entire value creation chain. You benefit from maximum security in business conducted both nationally and internationally.
MULTICHANNEL PLATFORM
Whether e-Commerce, m-Commerce, mail and telephone order, travel agency or over-the-counter business, our global
payment platform supports worldwide multichannel sales. It makes payment flows more secure and increases efficiency of
payment processing. All payment data is available centrally, in an up-to-date and consistent format. With the connection to BSP, we also offer an additional sales channel.
9
NATIONAL AND INTERNATIONAL
PAYMENT METHODS
Together with the Wirecard Bank, we offer a wide range of payment methods worldwide. This includes credit cards, online bank trans- fers, payment by direct debit, purchase on account, instalment purchase, e-wallets, prepaid vouchers and mobile payment – individually or combined. Our range of payment methods is suitable for all types of business model and makes it easier to tap into new target groups and international markets.
END-TO-END SOLUTIONS
Our process-oriented solutions range from payment and reconciliation, reporting and administrative functions, to integration in existing systems: whether accounting, debtor management, enterprise resource planning (ERP) or logistics. All payment data for downstream pro- cesses is therefore available. This makes it possible to manage and fully automated processes and information flows in a controlled way.
TRANSPARENT
PROCESSING
Wirecard holds a global airline licence and a European
acquiring licence. As an independent service provider, we
can offer connection to a number of international
payment methods, such as credit cards and country-specific
payment options. All business processes can therefore
be covered without any effort. Diverse integration options
and plugins allow easy implementation in booking
systems and company processes.
With our bank’s multi-currency management, we offer
a key tool for business success from a single source.
11
Global licence for the airline industry
Acquiring licence for Europe
Worldwide network of acquiring partners
Multi-currency management
Fully automated reconciliation
Our acquiring solutions make
it possible to connect with 99%
of all credit card companies.
ACQUIRING
INTERNATIONAL CARD
ACCEPTANCE
With several billion cardholders around the world, credit and debit cards are the most common cashless payment method. Together with the Wirecard Bank and your acquiring partners, we allow you to offer credit cards for virtually all organisations: simple, secure and at a low cost. This allows you to improve your competitiveness, expand your customer base and tap into sales potential worldwide.
MULTI-BRAND ACQUIRING
In order to guarantee the acceptance of credit and debit cards, retailers must conclude the relevant acceptance contracts. Wirecard Bank’s acquiring licence simplifies the process for being able to accept credit cards and offers contracts with the leading card organisa-tions: American Express, China UnionPay, Diners Club, Discover, JCB (Japan Credit Bureau), MasterCard, UATP and Visa.
PAYMENT SERVICE PROVIDER
(PSP)
As a cooperation partner of numerous card organisations and financial institutions, in addition to payment acceptance, we also offer payment processing, including security procedures MasterCard SecureCode and Verified by Visa (3-D Secure). This full service provides efficient access to a global system, with maximum possible security and transparency.
MULTI-CURRENCY MANAGEMENT
The Wirecard Bank operates in 69 countries and offers cost-optimised currency management: 150 transaction currencies and simple, afford- able access to national business and foreign currency accounts as well as online banking. This allows you to avoid currency conversion losses and structure smooth-running, cost-effective global payment flows.
ISSUING
WIDE RANGE OF
CARD PROGRAMS
We develop fast, secure and cost-effective segment and
customer-specific card solutions for international
payment flows, for example, intermediaries between
booking plat forms or tour operators and service
providers such as hotels and airlines.
A new virtual card is generated for each booking process.
The processes are then completed automatically. As a
result, manual booking reconciliation, invoicing and
pay-ment allocation are not required.
Whether multi-purpose or closed-loop cards, virtual or
plastic, our range of services encompasses cards
for almost all needs. It includes innovative prepaid and
payout cards, NFC stickers for contactless payment
and SIM card provisioning for NFC-enabled smartphones.
Our comprehensive white label programme allows you
to design your card to meet your personal requirements.
15
Payment fees can be reduced by
up to 72% versus SWIFT transfers
with our issuing solutions.
Issuing licence for the entire SEPA
Issuing by Visa, MasterCard, Maestro, CUP and UATP
Virtual credit and debit cards
Physical credit and debit cards
Co-branding cards
INNOVATIVE CARD PRODUCTS
Wirecard offers a wide selection of modern credit cards, whether multi-purpose or closed loop cards, virtual or plastic. We have devel-oped payout cards for suppliers and commission payments specifi- cally for the tourism industry. In addition, we provide card solutions specially tailored to segments and customers. The Wirecard Bank has an issuing licence for the entire SEPA and offers both card issu ing and acceptance from a single source.
PAYOUT CARDS (SCP)
International payments to service providers, such as hotels and airlines, are one of the payment challenges in this industry. With our virtual payout cards in 27 currencies, the process is quick, cost- effective and automated. The payment amount is available on the card in just a few seconds and is completed punctually and in full. The booking reconciliation is also automatic.
CO-BRANDED CARDS
With our personalised cards, companies working in tourism are strengthening customer loyalty and increasing their brand presence. Additional services, such as customer-specific im ages (lifestyle card) vouchers and loyalty points add further value to the card. The Wirecard Bank is the only financial ser vice provider in Germany to offer co-branded cards available to order online.
PREPAID CARDS
Wirecard’s wide range of virtual and physical prepaid cards includes voucher, gift and shopping cards. Branded cards featuring the corporate design of the retailers and private label cards as retailers’ own brand product are possible as part of our white label programme. Our virtual cards can be generated online (instant issuing) and can be topped up in a variety of different ways.
FAST AND SECURE
SCORING
Wirecard’s risk and security solutions enable reliable
pro-tection against fraud and payment default. Our solutions
al low you to synchronise your data and financial flows beyond
country and continent borders. The decentralised data
storage ensures accordance with respective national data
protection regulations at all times, regardless of where
you might be based.
Our Fraud Protection Suite is based on highly efficient
analytics and provides fast and reliable detection of attempted
fraud in the payment process. Our risk and security tools
comply with international security standards such as the PCI-
DSS Guidelines. External systems can be easily adapted
to the PCI standards. Through the innovative encryption tech -
nology known as tokenization, credit card data is replaced
by reference values and securely transferred on all channels.
19
Our Fraud Prevention Suite
can stop fraud from card payments
by up to 99%.
National and international
Wide range of solutions
Fraud prevention
One single interface
Seamless integration
RISK AND SECURITY
MAXIMUM PAYMENT SECURITY
In the global tourism business, payment and data security are decisive factors for success. Wirecard’s risk management effectively prevents data abuse, card fraud and payment default, both nationally and internationally. Our modular solutions can be simply and easily integrated into existing systems and processes, providing reliable protection for all common payment methods.
DATA PROTECTION
On the basis of international standards, including PCI-DSS, and the latest technology, Wirecard offers the best possible protection for payment data: from transfer and storage to synchronisation be- yond country and continent borders. Cloud- based solutions also support decentralised data stor age. This security measure limits the risk of data loss and simplifies the implementation of national data protection guidelines.
2121
FRAUD PREVENTION
With the Fraud Prevention Suite, Wirecard has developed individually configurable fraud protection. Effective analytics quickly and
reliably identify fraud attempts. Wirecard’s Fraud Prevention Suite can stop fraud from card payments by up to 99%. The newly identified fraud patterns can also be automatically integrated into rule processing. Added to this is a user friendly web application for case manage- ment and reporting.
TOKENIZATION
Our innovative encryption tokenization technology improves data protection and saves you the cost and effort of PCI audits.
Wirecard’s security server ensures sensitive card data is stored in compliance with PCI-DSS regulations. From the POS to the
booking system, you work exclusively with reference numbers (tokens) which minimises the risk of data abuse and protects both you
WIRECARD.
REINVENTING
Wirecard is one of the world‘s leading independent
software and IT specialists of outsourcing and white label
solutions for electronic payments and issuing of card
and account products.
We already offer more than 14,000 customers across a wide
range of industries 85 different payment and risk
management solutions in more than 150 transaction
cur-rencies, as well as transparent reporting services in
real time and support in developing international pay ment
strategies, whether offline, online or mobile.
Wirecard AG Einsteinring 35 85609 Aschheim Germany T +49 (0)89 44 24 - 1680 F +49 (0)89 44 24 - 2680 [email protected] www.wirecard.com
