Creditcall
Encyclopedia
CreditCall Ltd. is a Payment Service Provider
offering credit card authorisation and settlement services via a single XML
protocol to the major banks and processors in both the United Kingdom
, United States
and Canada
. CreditCall is unique in that it can process card present (including EMV
/Chip and PIN
), card not present, e-commerce, and contactless payment
transactions via a single protocol. Most recently it added end-to-end encryption
to its portfolio.
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. EMV.LIB, a highly portable ANSI C EMV Level 2 Kernel compliments the overall EMV software product range. In June 2009, a software EMV Level 2 Kernel for Java was released completing the EMV product range.
In 2010, a highly portable Contactless
Kernel was developed for embedded systems and added to the EMV product range.
In March 2011 CreditCall introduced a bank-independent, end-to-end encryption
solution 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.
CreditCall Ltd. was founded in 1996 and later an American subsidiary was incorporated in 2005.
Level 1 certification with both Visa Europe and Visa USA.
CreditCall is also a Participating Organization of the PCI Security Standards Council.
Payment Service Provider
A payment service provider offers merchants online services for accepting electronic payments by a variety of payment methods including credit card, bank-based payments such as direct debit, bank transfer, and real-time bank transfer based on online banking...
offering credit card authorisation and settlement services via a single XML
XML
Extensible Markup Language is a set of rules for encoding documents in machine-readable form. It is defined in the XML 1.0 Specification produced by the W3C, and several other related specifications, all gratis open standards....
protocol to the major banks and processors in both the United Kingdom
United Kingdom
The United Kingdom of Great Britain and Northern IrelandIn the United Kingdom and Dependencies, other languages have been officially recognised as legitimate autochthonous languages under the European Charter for Regional or Minority Languages...
, United States
United States
The United States of America is a federal constitutional republic comprising fifty states and a federal district...
and Canada
Canada
Canada is a North American country consisting of ten provinces and three territories. Located in the northern part of the continent, it extends from the Atlantic Ocean in the east to the Pacific Ocean in the west, and northward into the Arctic Ocean...
. CreditCall is unique in that it can process card present (including EMV
EMV
EMV stands for Europay, MasterCard and VISA, a global standard for inter-operation of integrated circuit cards and IC card capable point of sale terminals and automated teller machines , for authenticating credit and debit card transactions.It is a joint effort between Europay, MasterCard and...
/Chip and PIN
Chip and PIN
Chip and PIN is the brandname adopted by the banking industries in the United Kingdom and Ireland for the rollout of the EMV smartcard payment system for credit, debit and ATM cards.- History :...
), card not present, e-commerce, and contactless payment
Contactless payment
Contactless payment systems are credit cards and debit cards, key fobs, smartcards or other devices which use RFID for making secure payments. The embedded chip and antenna enable consumers to wave their card or fob over a reader at the point of sale. Some suppliers claim that transactions can be...
transactions via a single protocol. Most recently it added end-to-end encryption
End-to-end encryption
End-to-end encryption encrypts clear data at source with knowledge of the intended recipient, allowing the encrypted data to travel safely through vulnerable channels End-to-end encryption (E2EE) encrypts clear (red) data at source with knowledge of the intended recipient, allowing the encrypted...
to its portfolio.
Summary
CreditCall has traditionally specialised in unattended payments from the Parking, Ticketing and Kiosk industries. E-Commerce payments are addressed with their eKashu brand and they have recently announced a new service called CardEase Mobile that turns a smartphone into a payment terminal enabling secure credit and debit card payment acceptance.In addition to payment processing, CreditCall was one of the first companies to develop and certify a software EMV
EMV
EMV stands for Europay, MasterCard and VISA, a global standard for inter-operation of integrated circuit cards and IC card capable point of sale terminals and automated teller machines , for authenticating credit and debit card transactions.It is a joint effort between Europay, MasterCard and...
Level 2 Kernel based on the Windows COM architecture with a product called EmvX. EMV.LIB, a highly portable ANSI C EMV Level 2 Kernel compliments the overall EMV software product range. In June 2009, a software EMV Level 2 Kernel for Java was released completing the EMV product range.
In 2010, a highly portable Contactless
Contactless
Contactless may refer to:* Contactless smart card* Proximity card, a contactless integrated circuit device used for security access or payment systems* Contactless payment, systems which use RFID for making secure payments...
Kernel was developed for embedded systems and added to the EMV product range.
In March 2011 CreditCall introduced a bank-independent, end-to-end encryption
End-to-end encryption
End-to-end encryption encrypts clear data at source with knowledge of the intended recipient, allowing the encrypted data to travel safely through vulnerable channels End-to-end encryption (E2EE) encrypts clear (red) data at source with knowledge of the intended recipient, allowing the encrypted...
solution 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.
CreditCall Ltd. was founded in 1996 and later an American subsidiary was incorporated in 2005.
PCI DSS
CreditCall has achieved PCI DSSPCI DSS
The Payment Card Industry Data Security Standard is an information security standard for organizations that handle cardholder information for the major debit, credit, prepaid, e-purse, ATM, and POS cards....
Level 1 certification with both Visa Europe and Visa USA.
CreditCall is also a Participating Organization of the PCI Security Standards Council.