Introduction
The Payment Card Competitor Tracker provides expert analysis and opinion on the strategic moves of leading competitors in the payment card market. Produced on a monthly basis, the Tracker is a global product and covers 60 players, including American Express, Barclaycard, Capital One, Citigroup, Discover, GE Money, First Data, HSBC, JCB, MasterCard, Standard Chartered and Visa.
Reasons to Purchase
*Gain invaluable information on your key competitors in one concise document, and track long-term trends using the interactive news database.
*Sharpen your strategy by implementing the best market, product, competitor and strategic developments of leading global players.
*Learn the Cards & Payments Team’s view on the most important competitor developments in the month.
Table of Contents :
“Overview 1
Summary 1
Methodology 1
Table of Contents 2
Introduction 3
The Payment Card Competitor Tracker provides both one month and 12 month views of developments 3
Each month, tracks the most relevant announcements from 64 competitors 3
Cards and Payments Team provides analysis of the key developments at both the one month and 12 month level 4
A fully searchable database of developments from January 2007 onwards is also delivered alongside the report 4
Key Developments in December 5
In December, the key story was China UnionPay’s issuance in Korea reaching one million cards 5
China UnionPay’s standard cards offered in partnership with BC Card reached one million in Korea 5
CardinalCommerce signed agreement with NYCE Payments to offer Safe Debit online payment solution 6
There were 44 developments in December, somewhat below the 12-month average 6
There were 44 developments in the December competitor tracker, compared to the 12-month average 55 6
M&A, partnership and organic growth, as well as product, services and innovation were below the 12 month trend 7
Asia Pacific was by far the busiest region for competitor activity, while North America lagged behind 8
Issuers accounted for the majority of the drop in activity in December 9
Loyalty/rewards, online, and contactless were the key areas for developments in product, services and innovation in December 10
MasterCard expands SecureCode solution to Maestro-branded cards 10
Barclaycard issued over five million contactless cards in the UK 11
Partnerships accounted for the bulk of activity in M&A, partnerships and organic growth 12
Products, Services and Innovation 14
American Express 14
US: American Express launches AcceptPay for small business owners 14
Bank of America 14
US: Bank of America’s customers use its Add It Up program to spend this holiday season 14
US: Bank of America launches Credit Card Clarity Commitment initiative 15
Barclays 15
UK: Barclays expands mobile banking service 15
Barclaycard 15
UK: Barclays and Barclaycard have over five million contactless enabled cards 16
China UnionPay 16
Asia, Africa and Middle East: Standard Chartered Bank ATM machines to accept China UnionPay cards 16
China: Bank of Communications and China UnionPay launch Shanghai Expo theme debit card 16
China: China UnionPay, Agricultural Bank of China and Taipei 101 Mall launch a joint marketing campaign 17
Citigroup 17
Hong Kong: Citibank launches ‘Money Can’t Buy Experience’ credit card campaign 17
Korea: Citibank Korea launches Citi Rewards credit card 17
Poland: Citibank launches Handlowy prepaid card 18
Pakistan: Citibank Pakistan launches Online Merchant Program 18
Russia: Citibank publishes its report on Russians’ New Year shopping with credit cards 18
Turkey: Citi Turkey offers credit card with free 3G wireless modem 19
UAE: Citi Prepaid Services launches payroll services for Voltas 19
Fidelity Information Services 20
US: Government Savings Bank converts to Fidelity Information Services’ Profile processing solution 20
US: CardinalCommerce signs agreement to offer Safe Debit to its clients through Cardinal Centinel 20
Garanti Bank 20
Turkey: Garanti Bank makes single use PIN mandatory for online banking transactions 20
JP Morgan Chase 20
US: JP Morgan and Disney launch Disney Rewards Visa card 20
MasterCard 21
Asia Pacific: MasterCard celebrates the fifth anniversary of PayPass with ‘Tap & Give’ campaign 21
Europe: European banks and e-retailers adopt MasterCard’s SecureCode 21
Indonesia: Permata Bank launches Permata MasterCard platinum black credit card 22
Japan: MasterCard launches Amazon promotion during the Christmas season 22
UK: MasterCard launches UK’s first automatic rebate program for small businesses 22
US: Univision introduces the Univision MasterCard gift card 23
US: BNY Mellon integrates MasterCard’s payment gateway with its suite of payment solutions 23
PayPal 23
US: PayPal launches campaigns in the holiday season 23
TSYS 24
Cyprus: TSYS and Marfin Laiki Bank launch credit card for women 24
Visa 24
Asia Pacific: Visa introduces 2010 rewards and benefits program for premium cardholders 24
Australia: NAB Visa payWave contactless technology to be available from Christmas season 24
Hong Kong: Visa and 7-Eleven introduce Visa payWave contactless payment acceptance service 25
Hong Kong: Visa cardholders stand a chance to win FIFA World Cup packages 25
M&A, Partnerships and Organic Growth 26
Australia and New Zealand Bank 26
Vietnam: ANZ Bank completes acquisition of RBS in Vietnam and opens its 10th branch 26
Atos-Origin 26
Belgium, France: Atos Origin and ING Belgium extend contract for payment card services 26
BBVA 26
China: BBVA increases its stake in China Citic Bank to 15% 26
China UnionPay 27
Korea: China UnionPay cards issued cross one million mark 27
Citigroup 27
India: Citibank partners with Indian Post to provide remittance services 27
First Data 27
US: First Data signs agreement with Sovereign Bank to extend their existing merchant services agreement 27
Industrial and Commercial Bank of China 27
China: ICBC becomes the banking partner of Guangzhou 2010 Asian Games 27
KBC 28
Slovakia: KBC Bank acquires outstanding 49.54% stake in ÈSOB Slovakia 28
PayPal 28
US: PayPal reports increase in online shopping on Cyber Monday 28
TSYS 28
US: Fifth Third Bank extends its payment services agreement with TSYS 28
US: UniRush renews TSYS’ payment and processing services 28
Visa 28
Europe: Visa Europe expects to process over 27 million transactions 28
Appendix 30
Methodology 30
Further reading 30
Ask the analyst 31
consulting 31
Disclaimer 31
List of Tables
Table 1: The 64 companies and subsidiaries covered by Datamonitor’s Payment Card Competitor Tracker 3
Table 2: Current relevant publications 30
Table 3: Future relevant publications 31
List of Figures
Figure 1: In December, there were 44 developments in total, somewhat below the 12-month average of 55 7
Figure 2: December witnessed a drop in the level of activity relating to both M&A and products as compared to the 12-month average 8
Figure 3: Asia Pacific accounted for most stories in December in line with the 12-month trend, but North America saw a drop in activity 9
Figure 4: Issuers accounted for the majority of the drop in activity in December 10
Figure 5: Loyalty/rewards, online, and contactless were the key areas for developments in product, services and innovation in December 11
Figure 6: Partnerships accounted for the majority of activity in December, with five announcements in total 12
For more information, please visit :
www.aarkstore.com/reports/Payment-Card-Competitor-Tracker-December-2009-37627.html
Watch the video related to visa card
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Help answer the question about visa card
How do I get my money back from a visa vanilla card?I bought a vanilla visa card the other day from Walgreen and I found out the site I wanted to buy something from doesn't accept pre-paid cards. I still have the receipt. Is there anyway I can get cash from the card?
Just use it like it is a regular Visa credit card. Choose Visa.
Yes most banks you are only liable for the first 50.00 good thing you reported it. Better safe than sorry. I have left my card at a store by accident and even though it was turned in to lost and found I still reported it you never know who had it or if it was used.
The bank will just issue you a new card with a new number usually just takes a few weeks at the most for the new card.
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Here's where some CC companies get you. All of them offer great rewards POTENTIAL. Sorry for the caps but it's important. The truth is you have to find out what the qualifying purchases are. The best ones are the cards you get points for paying your utility bill and gas. Most people have to buy gas and have utility payments why not use your card and get the points. Just save the money you normally do for those payments and send it to the CC.
Depends on how your credit history is, if you want a sure way of getting a visa credit card without to many inquires against your credit report, you can go for a Bank of America secured visa card, what this means you will give Bank of America a deposit and based on this amount you will get a spending limit on this card, there is no way to get turned down, best thing is it works no different from any other credit card, the deposit is just an assurance to them that incase you default that they have your money, this way you get to build your credit and at the same time do not have to apply for any cards with the risk of getting turned down and putting those inquires on your history, what will happen in the near future is that you will start receiving pre-approved cards on your own once you have a good payment history. I say start with a $250-$500 deposit, they insert it in a real crappy savings account but hey at least you know where your money is and it builds interest as well, well anyway I hope that helps, check out there website or call them for more info.
Most prepaid cards do need activation and some may charge an activation fee. Activation is as simple as making a phone call (toll free number) or going online.
The ones that do not need activation are the off-the-shelf ones, that is, they do not have to be applied for and do not have card holder's name on it. You should be able to make purchases with these right away.
Make sure you understand the charges your card may incur. There's a brilliant comparison page for prepaid cards at tracenotes.com
epassport is one good option, another one is Green Dot Visa which can be picked up at any CVS or Walgreens
Prepaid cards bring a host of benefits to a card holder. The convenience, security and financial discipline they promote make them increasingly popular and cost-effective. The IMPACT Visa® Card is a very popular prepaid card . This Prepaid MasterCard® Debit Card does not extend you credit. Instead, accounts are prepaid for a specific amount and accounts are only good for the balance you have loaded/applied. The IMPACT Visa® Card has a wide acceptability and this Prepaid MasterCard® Debit Card can be used at more than 20 million locations worldwide. Apply online at: http://www.credit-card-gallery.com/PrePaid_Card.html
Normally there are instructions that come with the credit card or a sticker on the credit card that has a website where you can register the card at.
You can get a prepaid visa credit card at a lot of places, like grocery stores, gas stations, Blockbuster, a bank, etc.
If you go to this website, you can type in where you live and locations will come up where you can buy one at
http://usa.visa.com/locators/gift-card-locations.jsp
Also, they cost like $4-6 extra for the activation cost.