March 11th, 2010

About us

“The Cards 4 All directors and shareholders have a vast knowledge of the Card industry, and have a business background combined with extensive marketing skills.”

INTRODUCING    Cards4all              

Australian Owned and Proud of it !!!

 

Australian Owned and Proud of it!Cards4all Pty Ltd is a private innovative Australian card marketing, issuing and management company that distributes a range of electronic cards.  These products include loyalty, reward, gift, account, membership and payment cards and some emerging technologies. 
Cards4all’s focus on the Retail Card Programs and Business Card Programs enables any size business in virtually any industry at all levels, to participate in what is rapidly becoming a critical product for all retail, wholesale and overall business marketing.  The growing phenomena of card programs, their flexiblitiy and their results is incredible.

Cards4all  Pty Ltd ABN   99118809886

Cards4all Pty Ltd was formed in  15th March 2006. To create Card Programs for small retailers within Australia including products promoted as Gift Card, Business Gift Card, Incentive Gift Card, Prepaid Gift Card, Real Estate Gift Card, Loyalty Card, Rewards Card, Account Card, Fundraiser and Membership Card.

The first product was an entry level Retail Gift Card.  Produced in volumes as a preprinted product to reduce costs to the retalier and then later personalized with the business details.  Further products were developed and released over the years including variations of gift cards and full custom creations in relatively small volumes.  Reloadable products such as Account or Loyalty Cards were released and have met with great interest.

Regulation, Alliance and Structure

Cards4all is fully regulated by ASIC as a private company, fully complying with Australian Banking regulations. This includes meeting all requirements of the licences held by our platform providers to whom we are contracted through exemptions to specific class orders and banking requirements.
Such regulations vary on the basis of the product being provided.
The banking industry is a heavily regulated and protected industry encompassing many levels.
The licences typically exist with other organisations (and/or our platform provider) to which Cards4all is bound by ASIC and/or contracts with the service provider. Core examples include Financial Services Licence 320204.
Furthermore, Cards4all operates under First Data International for card switching and processing. Software development is undertaken by Lynx Financial Systems (Lynx) – Lynx offers financial services for software, hardware, bureau services and support, specifically with development of card solutions on the Domino platform, as utilised by many of the largest banking groups. Statements and similiar services are provided by Computershare.
Through our business allies we are able to provide a range of of VISA solutions including credit, debit, prepaid, commercial and premium cards. These cards can be used in ATMs and EFTPOS terminals throughout Visa’s global network of 24 million point of sale terminals and in excess of 1 million ATMs. While security facilities can include Secure Sentinel who can offer a range of products that help deal with the loss of theft of personal possessions.
Cards4all maintains it’s position within the industry through it’s association with business allies and banking platform providers, who work within the industry to remain current with both the development of the industry and future direction.
Through our platform providers representation on many of the industry committees,  Cards4all is able to provide input and feed back, with many of the industry management committees and special focus working groups. Another example of how Cards4all strives to evolve with the industry and innovate over time.
Management commitees include or have included:
 
EFTPOS Payments Australia Limited
ATM Access Australia Limited 
Card Payments Forum
APCA Management Committee 3 (CECS)
APCA Management Committee 2 (BECS)
Chip Payments Programme for Australia (CPPA) Steering Committee
Retail Run Steering Committee 
Chip Payments Programme for Australia – Standards and Customer Experience Working Group
CECS Access Business Experts Group
Account Switching Card Schemes
Visa Client Operations Committee
Cashcard Advisory Committee
eFraud Committee
Australasian Card and Risk Council Forum
Gift Card Working Group
ATM Access Steering Committee
ATM Access Initial Members Working Group
EFTPOS Scheme Working Group
ATM Access Communications Plan Working Group
ATM Access Project Managers Working Group
 

Products

 Because our Cards are based on the EFTPoS system, this enables any size business to participate and it is with pride that we “level the playing ground”, so that small and medium business can continue to compete with the larger corporate companies. The simplicity of only using the EFTPoS terminal in any given business allows cards4all to enhance all retail outlets offer this new, dynamic service to customers. It means that there is no need to upgrade their current Point of Sale system or incur costs or retraining.
Due to the makeup of our company, Cards4all, has the requisite experience in, and access to, all facets of marketing. This includes broadcast concepts such as Telemarketing, MultiMedia, Internet Markieting, IT based applications, etc. and Agents to service our clients on a personal, local basis. Cards4all is a nationally based company operating from Brisbane and the Gold Coast.
Through its operating network, Cards4all continues to provide a wide range of services to a diverse range of industry groups (chemists, fuel outlets, sports stores, liquor outlets, marine outlets, variety stores, real estate groups, wellness and beauty spas, sporting groups, health food stores, insurance brokers, fitness gyms, fishing tackle outlets, finance and loan brokers) and operates in all states across Australia. 

Card Issuing

The company’s card-issuing platform and web services are complemented by a full range of value-added services that include enrolment and value loading applications, cardholder servicing, financial reporting, risk management, project management and ongoing relationship management.  Flexibility is built into Cards4all’s offerings, enabling commercial clients to quickly and easily configure these services, enabling competitive differentiation, adaptation to unique program requirements, and assisting customers to capitalize on new product opportunities and ensuring their business success.

Innovated Electronic Payments

Already a market leader, Cards4all is committed to continually developing innovative electronic payment products that serve a broad range of markets and are delivered on a stored-value platform using host-based technology. The company maximises the use of the internet to deploy critical service applications and customer support.  Customer support is available through our website, continuously 24 / 7 to provide information, and enable the reporting of lost cards, card problems or simply find a card balance.

Development

Cards4all is a privately owned Australian company that brings together a highly motivated team of professionals with a broad range of talents from a number of relevant industries. Team members have leading-edge expertise in payment card processing, financial management, Internet application development, multimedia design, software engineering related to complex data processing systems, retailing and customer service operations. Backed by an innovative drive and propelled by a unique combination of talent and experience, Cards4all delivers complete solutions to diverse disbursement or e-payment situations across all industries.

Security

Card holders funds are held in the Westpac bank and or other authorised deposit holding institutions with switching services being provided by First Data or other authorised financial corporations.

 

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