1. The Public Sector
In partnership with Visa Europe
Carol Heath
Caroline Birchinall
Prepaid Centre of Excellence
Visa Europe
18th November 2010
This information is not intended, and should not be
construed, as an offer to sell, or as a solicitation
of an offer to purchase, any securities

2. Agenda
• A bit about Visa
• General Points about issuing Prepaid
• Card Issuing
• Back office
• Protecting your investment
• Next steps

3. Visa making a difference in Europe
In 2009 there was in
excess of:
• €10bn spent on Visa
prepaid cards
• 15m Visa prepaid
cards in circulation
• 130 million Visa
prepaid transactions
Government programmes represent 25% of the current prepaid market

4. Why Visa Prepaid?
Technology Operations Marketing
• Partial Auth and Balance Return • Implementation • Visa Youth Prepaid Web site content
Guides • Merchandising and packaging
• Visa Load and Activation Service
• Operating • Best cases studies & market research
• Contactless
Regulations
• Instant issuance kiosks • Visa Partnerships: Olympics, FIFA
• Smooth card
• Original Credit • Packaged propositions
Design approval
• Mobile • Prepaid profitability model
• Simply One • Consumer research
• CodeSure
Public
Corporate Consumer
Sector
products products
products

5. Prepaid in Context
Consumers Corporations Public sector organisations
• Online Shopping • Payroll • Supplies Purchasing
• Travel money • Insurance claims • Central Government
Management Payments
• General Spending
• Supplies Purchasing • Local Authority
• Credit Building Payments
• Compensation
• Gifting • Education expenses
• T&E Expenses
• Money remittance • Charity disbursements
• Incentives &
• Youth Promotions

6. General Points
●Partnership
●Complexity
●Education for both partners
●Revenue
Page  6

7. Citizen Issues: Card Issuing
●Staff Training
●Distribution
●Communications
●Pricing and Charges
●Usage Restrictions
Page  7

8. Cardholder Issues: Card Usage
●Support for vulnerable / elderly clients
●Card Security
●Service Level Agreements
●Emergency Payments
●Loyalty or Discount Schemes
Page  8

9. Back Office Issues: Issuing / Reissuing
●Stock control
●Lost / Stolen Reporting
●Data Integrity
Page  9

10. Back Office Issues: Funding and Management
●Security of Funding and Process
●Funding
- Speed
- Capacity
●Management
- Float
- Processes
●Errors and Reconciliation
Page  10

11. Back Office Issues: Data Security
●Transfer of Data
●Data Protection Legislation
●Data Storage Requirements
●PCI DSS
Page  11

12. Back Office Issues: Reporting
●Information Requirements
●Banking Legislation
●Leveraging Data
Page  12

13. Back Office Issues: Testing
●Technical
●Operational
- Emergency Payment
- Training
- Helpline Support
●Citizen
- Feedback
●Bank / Government Sign Off
Page  13

14. Protecting Your Investment
●Ensure that the staff are fully educated about the
product and the management of the product
●Product Design is the key to success
●Regular Reviews
Page  14

15. Case Study
Lewisham Borough Council - London
● Weekly allowance paid to young people leaving the council’s care
● Previously paid in cash at the council’s office resulting in large
amounts of cash being stored at the council’s office and young
peolple having to carry their weekly cash payment around
● Payment by card reduces council staff workload allowing them to
focus on the needs of the young people
● A safer, more secure and convenient mechanism for the recipient
Result:
Lewisham’s payment processing costs
reduced by 60%

16. Case Study
UK Government Home Access Scheme
● Launched February 2010
● UK government scheme to offer free computers and
broadband internet access to 270,000 underprivileged
families with children aged 7 – 14
● Families are issued with a prepaid card which can only be
redeemed as selected participating retailers
Result:
I great example of prepaid cards supporting
an educational grant scheme

17. UK Border Agency - Azure card
• Government Home Office approached Sodexo to replace existing
paper voucher system with a payment card usable across a range of
retailers
• Restricted loop private label prepaid card developed
• Given to individuals with no right to stay in the UK
• Stops the current practice of “well meaning” charities exchanging
paper vouchers for cash
• Distributed via the Asylum Seekers Accommodation providers
• Value on the card can be “capped” each week to ensure that the
spend is taking place correctly
• Reporting is provided daily and weekly to UKBA

18. Thank You
This information is not intended, and should not be
construed, as an offer to sell, or as a solicitation
of an offer to purchase, any securities