Creditcall

Creditcall Limited
Private
Founded 1996
Headquarters Bristol, UK
Area served
 UK, Europe, North America
Key people
 Lars Pedersen, Jeremy Gumbley, Siân Bosley
Products EMV, Contactless payment, Payment gateway, E-commerce, M-commerce, Vending, Parking, ATM
Subsidiaries Creditcall Corporation
Slogan The Heart of Payments
Website www.creditcall.com

Creditcall Limited is a Payment Service Provider and Payment gateway offering credit card authorisation and settlement services via ChipDNA Direct, a single XML protocol to the major banks and processors in the United Kingdom, United States and Canada. Creditcall also develops and certifies EMV Kernel software for Chip and PIN and Chip and Signature terminals and card readers.

Summary

Creditcall has traditionally specialised in unattended payments from the Parking, Vending and Ticketing industries. Creditcall now offer payment solutions via their ChipDNA product,[1] an EMV-ready Omni-Channel Payment Gateway for unattended, in-store, online, and mobile payments.

In addition to payment processing, Creditcall was one of the first companies to develop and certify a software EMV Level 2 Kernel based on the Windows COM architecture with a product called EmvX.[2] EMV.LIB, a highly portable ANSI C EMV Level 2 Kernel was added in 2002 and in June 2009, a software EMV Level 2 Kernel for Java was released.[3]

In 2010, a highly portable Contactless Kernel was developed for Near field communication (NFC) enabled devices and embedded systems, completing the EMV product range.[4]

In March 2011 Creditcall introduced a bank-independent, end-to-end encryption solution [5] to combat increasing card data theft, simplifing PA-DSS compliance for terminal manufacturers, and reducing complexity, time, and cost for merchants to maintain or achieve their PCI DSS Compliance.

In November 2012 Creditcall released EMVL1.LIB at Cartes 2012, an embedded EMV Level 1 Library to compliment the hugely popular EMV.LIB embedded EMV Level 2 Kernel.[6]

In December 2015 Creditcall announced its Point to Point Encryption (P2PE) solution ChipDNA [7] in combination with Ingenico and Verifone PIN pads, has been validated by the Payment Card Industry Security Standards Council (PCI SSC).[8]

History

The name Creditcall is actually the name of Creditcall's first product, a telecommunications service that enabled callers to bill telephone calls to their credit or debit card. Creditcall won 3i's Business Catapult Award in 1998 along with an initial investment in the company.[9]

Creditcall Limited (originally Creditcall Communications Limited) was founded in 1996 and later a North American subsidiary, Creditcall Corporation, was incorporated in 2005.

The company performed a major identity refresh at the beginning of April 2014 coinciding with the move to a new office.[10]

On 21 April 2014 Creditcall was awarded the Queen's Award for Enterprise which is the highest official UK award for British business.[11][12][13]

Management Buyout (MBO)

In 2012 the management team completed a management buyout of the company backed by FF&P Private Equity and Bestport Ventures.[14]

PCI DSS

Creditcall has achieved PCI DSS Level 1 certification with both Visa Europe[15] and Visa USA.[16] Creditcall has been a PCI DSS Level 1 Service Provider since 2005.

Creditcall is also a Participating Organization of the PCI Security Standards Council.[17]

References

  1. ↑ https://www.creditcall.com/emv-migration
  2. ↑ https://www.level2kernel.com
  3. ↑ http://www.finextra.com/news/announcement.aspx?pressreleaseid=28333
  4. ↑ http://www.reuters.com/article/2011/01/26/idUS161679+26-Jan-2011+BW20110126
  5. ↑ http://www.creditcall.com/end-to-end-encryption.html
  6. ↑ http://www.reuters.com/article/2012/11/06/idUS78413+06-Nov-2012+PRN20121106
  7. ↑ https://www.creditcall.com/creditcall-obtains-pci-validated-p2pe-certification-for-omni-channel-payment-gateway-solution-chipdna/
  8. ↑ https://www.pcisecuritystandards.org/assessors_and_solutions/point_to_point_encryption_solutions
  9. ↑ http://www.sourcewire.com/newsroom/GolinHarris/release/539/paragon-software-voted-business-of-the-future-in-national-competition#.UP8tFx3aLPo
  10. ↑ http://www.creditcall.com/creditcall-completes-major-identity-refresh/
  11. ↑ http://www.bristolpost.co.uk/Bristol-businesses-awarded-Queen-s-Awards/story-20988627-detail/story.html
  12. ↑ http://www.ft.com/cms/s/0/bc36dbb4-c3ec-11e3-870b-00144feabdc0.html
  13. ↑ http://www.ft.com/cms/s/0/bc36dbb4-c3ec-11e3-870b-00144feabdc0.html#axzz2zyMf4CLb
  14. ↑ http://www.finextra.com/news/fullstory.aspx?newsitemid=23490
  15. ↑ http://www.visaeurope.com/en/businesses__retailers/payment_security/downloads__resources.aspx
  16. ↑ rpt_ROC_CompliantServiceProviders
  17. ↑ Participation - PCI Security Standards Council

External links

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