PCI2106 – Week 1

Payment Cards - Fundamentals

 Agenda

• Card Ecosystem Participants

Theme of the • Card types based on funding
Week
- • Card types based on user profile
Payment Cards
Fundamentals • Card types based on Technology
• Card Payment Channels
• Emerging Trends

Preview of Week 2 • Card Transactions

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PCI2106

Card Ecosystem Participants

 Card Ecosystem Participants

Card Lifecycle Processes Participants

Customer onboarding & Card Issuance • Credit bureau
• Analytics
• Embossing bureau
• PIN mailer bureau
Card Transactions participants • Cardholder
• Merchant
• Issuer
• Acquirer
• Card Processors
• Card schemes/associations

Card Statements and Customer Collaterals • Letter Bureau

• Statement Bureau
• Loyalty partners
Collections and Recoveries • Debt Collection Agencies
• Debt Purchasers
• Securitisation players
Merchant • Independent Sales Organisations
• Payment Gateway Providers
Regulators • Central Banks
• Licensing authorities
• Competition authorities
• Payment regulators
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Payment Card Types

 Payment Card Types
Category Card Types
Funding • Debit Cards
• Credit Cards
• Charge Cards
• Prepaid Cards
User Segment • Personal Cards
• Business Cards
• Corporate Cards
Card Scheme/Association • Visa
• MasterCard
• Amex
• Diner
• Discover
• Proprietary Cards/Private Label Cards

Geography • Domestic Cards

• International Cards
Technology • Physical Cards
• Magnetic Stripe Cards
• Chip or EMV Cards
• Chip and Contactless Cards
• Virtual Cards

Usage • Cashcard / ATM Cards

• Multi-purpose cards
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Payment Channels
 Payment Channels

• ATM
Card • POS
Present • Contactless
• Chip and Signature
• Chip and PIN

• E-Commerce Transactions
Card Not • Mail Order/Telephone Order
Present • Recurrent Transactions
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Emerging payment trends

 Emerging Payment Trends

• Alternative Payment methods

• Real Time Payment Schemes

Key
Considerations
• Regulatory Influences

• Technical Innovations