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Helping individuals and businesses to handle money more effectively


Payment Card Solutions (PCS) PCS is Europe’s most trusted prepaid payment card specialist. We provide systems, compliance and customer service teams to operate some of the most successful prepaid card programs in Europe. PCS was formed in 2006 with the purpose of delivering quality prepaid card programs globally. Our prepaid cards are issued via the MasterCard network, meaning they’re established and accepted globally at over 35 million locations.

We combine industry knowledge and IT expertise to offer unique prepaid solutions throughout Europe. With an open API we can help you integrate prepaid into your business. Full program management and outsourced support for: web and IVR channels, fraud monitoring, customer services, program accounting & reconciliation, data analysis / management reporting.


Services We operate MasterCard and Visa prepaid programs both under our own Bread brand and for third parties. Compliance / Fraud Legal compliance and anti-money laundering legislation in Europe is very complex. We can help you understand how to operate securely and legally, while maximising ROI. IT Services Our core prepaid platform has been developed over a number of years to be a complete outof-the-box prepaid solution. It provides all the functionality you need to run your prepaid program and covers the entire value chain. Our system is completely processor agnostic and interacts with many loading platforms and payment gateways and is fully PCI compliant. Customer Services In addition to our cardholder site, our core functions also include a customer service administration portal containing a full set of tools to manage customer contact and account administration. Our SMS and IVR (integrated voice response) platform has been designed to allow your customers / employees to operate and manage their prepaid cards on the go.

Value Chain Management Prepaid involves more parties than those commonly present in credit or debit-card issuing arrangements: the merchant acquirer, processors, a payment network and a cardissuing bank. These additional participants may include a program manager, a distributor, and a seller together will loading networks and others. PCS understands and has relationships with the entire value chain and can help you get to market quickly and easily by taking the strain out of operating the program and allowing you to sell it.


Bread for Business Bread for Business is a simple way to manage corporate expenditure. Developed specifically for businesses, the unique Bread for Business management system enables users to view reports by employee or department, creating unique job codes and tracking amounts in real time. • • • • • • • •

Register / activate cards Instant loading / unloading 24/7 Block cards Full audit trail Full visibility of funds Track and reconcile disbursements on line Upload receipts and add description Create unique job codes (customised to the company’s specification)

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Funds held in a separate e-wallet account Download reports


Case Studies Lebara Money In March 2011, Lebara worked with PCS to deliver the Lebara Prepaid MasterCard in the UK, a twin pack money share product designed to allow Lebara customers to transfer money to loved ones easily and quickly using the MasterCard global network. This program was hugely successful with rapid distribution throughout Lebara’s customer base. “PCS have worked closely with us to deliver the solution in a timely and cost-effective manner. As the product evolves, we are confident that PCS will continue to provide robust and adaptable systems to meet our requirements.” - Russell Atkinson, UK MD Lebara Money

Lutterworth Logistics “Bread for Business Prepaid MasterCard provided us with a cost saving solution to the traditional fuel cards. Purchasing anything up to £34k a month on fuel we are seeing significant savings between £1.5-£2k a month and would highly recommend this product to other companies.” Saul Butler, Lutterworth Logistics


For your unique solution, contact us today: Payment Card Solutions (UK) Limited 3A The Plough Brewery 516 Wandsworth Road London SW8 3JX Tel: 020 3137 3420 Email: info@bread4business.co.uk @breadcards

Our partners:

Š 2014 Payment Card Solutions (UK) Ltd . The Bread4Business Prepaid Corporate Card is issued by IDT Financial Services Limited pursuant to a license from MasterCard International Incorporated. MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated. IDT Financial Services Limited is a regulated bank, licensed by the Financial Services Commission, Gibraltar. Registered Office: 57-63 Line Wall Road, Gibraltar. Registered No. 95716. All communications should be sent to Payment Card Solutions (UK) Limited, PO Box 67965, London, SW4 4DJ

Payment Card Solutions  

PCS is the UK's most trusted prepaid payment card specialist, providing systems, compliance and customer services teams to operate some of t...

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