Mercury Processing Services International is an ever growing and innovative company and here you can find out more about their interests, goals and achievements.

1. The first certified VISA
Processor Aggregator
in Europe
Andreja Josipović, MPSI
SmartCard 2018
Opatija, 25th September 2018
NORMAL – LIMITED EXTERNAL AUDIENCE

2. 2
AGENDA
1. About MPSI
2. Tokenization in general
3. MPSI VTS Implementation
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3. 3
Mercury Processing Services International is a provider of payment solutions, dedicated to developing
and managing its payment business on an international level. Company was established in 2009.
Located in Croatia and Slovenia, we serve clients from the financial and banking sectors across Central
and Eastern Europe, Middle East and North Africa. Our portfolio is tailored to meet regional, local market
or individual client requirements and business strategy.
Technological expertise is the main driver of enhancing and enriching our existing business relations, as
well as the main source for innovations we provide in the payment industry.
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4. ABOUT US
We are committed to our
clients and their customers
Because our business depends on
the accuracy and security with
which we perform our operations,
we aim for excellence in everything
we undertake.
But our job is more than just running
payments, but being adaptable and
anticipating the needs of our clients,
and developing new services to
meet those needs and our clients'
specific institutional context.
And take great pride in the
quality of our work
In today’s world, everything has to be
quick and easy to use, and it’s the
same with payments. As all else in the
life of consumers, paying for goods or a
service needs to be a simple, quick and
secure experience.
That's why our aim is to ensure that
payment process adapts seamlessly to
the lives of the customers, and not the
other way around.
Together with the people who
make it happen
A vital part of our every success is our
team and their expertize, so it’s
imperative we keep an open
environment where all of us can
exchange ideas and knowledge.
Equally important, where our
employees have the freedom and
support to grow as individuals, team
members and team leaders.
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5. 5
OUR KEY PILLARS
SECURITY AND COMPLIANCE
WE FOCUS ON TRUST AND COMPLIANCE
• In-house development of Fraud Management solution for
detecting payment card fraud
• Acting as compliant guardian for banks
• Creating the most innovative and modern disaster recovery solution
INNOVATION
WE STAY AHEAD OF TRENDS AND PROVIDE INNOVATIVE SOLUTIONS
• Development of proximity payment solutions
• Implementation of new technologies and introduction of modern
services and functionalities
• Providing multi-payment schemes
INTERNATIONAL SPIRIT
WE ADAPT ACCORDING TO DIFFERENT MARKETS
• Meeting regional, local market or individual client requirements and
business strategy
• All employees are fluent in English
• The company is located in Croatia and Slovenia
OPERATIONAL EXCELLENCE
WE BRING EFFICIENCY AND PRODUCTIVITY
• Assuring high availability of service and operational performance
• Implementations of improvement methodologies to advance our products
and services
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6. 6
FACTS IN FIGURES
IN EUROPE,
MIDDLE EAST
AND AFRICA
Operating in
11
different
markets
Managing
cardholder data for
5,6
WORLDWIDE
million
accounts
transactions
Processing
PER SECOND
IN PEAK TIMES
87
Average
processing
A DAY
1,5
million
transactions
employees
With more than
IN OUR EVER
GROWING TEAM
300
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7. 7
OUR SERVICES
• Cardholder and Card Management
• Issuer Authorization Service
• Transaction Processing
• Proximity Payments
• POS Solutions
• ATM Solutions
• E-Commerce
• Reporting
• Call Center
• Dispute and Chargeback Management
• Strong Authentication
• Fraud Detection
• Advanced Risk Modelling
• Loyalty Programs
ISSUING SOLUTIONS VALUE ADDED SERVICESACQUIRING SOLUTIONS
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8. 8
AGENDA
1. About MPSI
2. Tokenization in general
3. MPSI VTS Implementation
NORMAL – LIMITED EXTERNAL AUDIENCE

9. TOKENIZATION
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Tokenization is the process of turning a meaningful piece of data, such as
an account number, into a random string of characters called a token
that has no meaningful value if breached.

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TOKEN SERVICE PROVIDER
• Payment Scheme TSP
• Processor TSP (MDES)
• 3rd party TSP (MDES)
TSP solutions
• EMVCo released white paper technical specifications on token service provisioning, enabling
payment enablers to become TSP under common requirements and standards
• Payment Schemes have developed their own token services and offer them to issuers
• MasterCard has developed MDES, but allows usage of 3rd Party/Processor TSP
• Visa does not, mandates Token Vault within Visa Token Service (VTS)
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11. TOKENIZATION
Token TSP Token Vault
Token
Requestor
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12. TOKENIZATION IN CARD BUSINESS
12
• Mobile wallets
• In-app purchases
• eCommerce
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13. ECOSYSTEM PARTICIPANTS
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TOKEN REQUESTORS VISA TOKEN SERVICE
PROCESSOR
AGGREGATOR
PROCESSOR
AGGREGATOR
PROVISIONING ID&V
LIFECYCLE
MANAGEMENT
NOTIFICATIONS
METADATA
MANAGEMENT
TOKEN REQUESTOR
& ISSUER
INTERFACES
PROVISIONING ID&V
LIFECYCLE
MANAGEMENT
NOTIFICATIONS
METADATA
MANAGEMENT
13
TRANSACTION
PROCESSING
+
+

14. 14
AGENDA
1. About MPSI
2. Tokenization in general
3. MPSI VTS Implementation
NORMAL – LIMITED EXTERNAL AUDIENCE

15. 15
VTS IMPLEMENTATION
VISA offeres multiple ways of providing
tokenization for their clients
As of 1st of August, MPSI became the first
Visa Processor Agreggator in Europe
live in production with the implementation
of TLC API
NORMAL – LIMITED EXTERNAL AUDIENCE

16. PROCESSOR AGREGGATOR ROLES &
RESPONSIBILITES
Onboard clients to VTS
Utilize enrollment
web tools
VDCS / VCMM
Token &
token service education
Enrollment & Enablement
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17. PROCESSOR AGREGGATOR ROLES &
RESPONSIBILITES
Token provisioning / transaction
processing
Identification &
address verification
Token provisioning and other
notifications
Processing
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18. PROCESSOR AGREGGATOR ROLES &
RESPONSIBILITES
Manage PAN – token relationship
on behalf of issuer
Utilize token lifecycle
management tools
Activate / deactivate / suspend /
resume tokens
Lifecycle management
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19. TOKEN USAGE (REQUESTORS)
19
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Real PAN
Issuer
Partner
Merchant
3rd party
Token 1
Token 2
Token 3
Token 4
TSP

20. TOKEN USAGE
20
As consumers increasingly shop with connected devices, the need for a seamless and secure digital payment experience becomes
crucial.
Tokenization enables frictionless, card-free payments in digital commerce environments, without exposing the consumer’s account
to fraud.
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Token 1
Token 2
Token 3
Token 1
Token 2
Token 3
Processor IssuerAcquirer Network TSP
Online
In store
In app

21. TOKENIZATION ECOSYSTEM
21
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Merchant
Customer Acquirer
Payment network
Processor
Issuer
TSP
Real (Plastic) PAN
Token PAN

22. +385 1 6456 041
www.mercury-processing.com
Radnička cesta 50, 10000 Zagreb
email@mercury-processing.com
CONTACT US
LinkedIn
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Google +
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YouTube
Vimeo
Soundcloud
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