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w w w . c l y d e s t o n e . c o m
Contacts us:
+233 30 2772690
+234 708 169 0576
+233 26 4318936
www.clydestone.com
www.gswitchworld.comi n n o v a t e d e v e l o p s u p p o r t . .
ABOUT
Clydestone is an indigenous Ghanaian company, and first in
the IT industry to be listed on the Ghana Stock Exchange
(GSE). Currently the leading provider of payment systems
with tailored payment platforms for the information
technology market.
Clydestone was established in June 1989 as a private
company limited. It is one of Ghana's premier information
technology solution companies that develop cutting edge
solutions in the areas of financial document processing,
corporate networking, remittance processing and
transaction switching.
Clydestone installed the first interbank automated Clearing System for the Central Bank in 1996. This was in
operation for 13 years until it migrated to the current truncation regime. Under truncation, Clydestone is still market
leader and supports 12 banks with 43% market share.
Clydestone Cheque Truncation and Automated Clearing House (ACH) solution clients include: GTBank, Zenith Bank,
UBA, Access Bank, CAL Bank, Fidelity Bank, National Investment Bank and UniBank.
FINANCIAL DOCUMENTS PROCESSING
Quality comes first
Commitments matter
Openness and honesty
Continuous advancement of products
Open to the enterprise
In all aspect of work
Having made a commitment, we do everything in our
power to honour it
Client satisfaction is paramount
Our goal is to have long-term relationships
Customers benefit from improved developments and technology
COMPANY POLICIES
FINANCIAL DOCUMENTS PROCESSING G-switchGLOBAL SWITCH
G-Switch, established by Clydestone, is an Electronic Payment Platform providing Transaction Switching, Third
Party Processing and EFT hosting services to Banks, Independent Service organizations (ISO's) and Micro Finance
Institutions (MFI's). G-switch operates a secure, real-time, regulatory compliant processing platform located in
Accra – Ghana that utilizes state-of the-art technology. G-switch operates a local interbank switch under its brand
name – G-switch. Settlement of all G-switch local transactions is through the Ghana Interbank Payment and
Settlement Systems Company (GhIPSS).
G-Switch is certified with China Union Pay (CUP), the Chinese Bankcard Association and is a Global Acquiring
Partner for CUP. We are also certified with Verve Nigeria for the acquiring of Verve transactions by G-switch
member banks in Ghana and also Kenswitch Kenya, to provide CUP acquiring for their member banks.
PAYMENT HUBS
FRAUD MANAGEMENT
SETTLEMENT &RECONCILIATION
CARD AND TOKEN MGT
ONLINE BANKING
TRADEFINANCE
TRANSACTION ACQUIRING
AUTHENTICATION SWITCHING AUTHORIZATION PAYMENT
MIDDLEWARE, CONNECTIVITY, SECURITY, DATA SYNCHRONIZATION, TESTING AND SIMULATION, ETC
VALUE-ADDEDFUNCTIONS
COREFUNCTIONS
INFRASTRUCTUREFUNCTIONS
Comprehensive ClydeAiDPS application suite
Payment processing applications
Image archive & research
Image-based signature verification
Image statements
Image export to external systems
Image-based positive pay
- Cheque and remittance processing
- Image-based and conventional
- Integration with third party ICR/CAR components
- Electronic cleaning and truncation
- Sorting
- Teller application
- Local /web-base enquiry
- Paper/CD delivery/web access
- e.g. office imaging products
- Anti-fraud application
GLOBAL SWITCH G-switch
SERVICES
G-Switch offers the following services:
Card Issuing, Processing and Management
Card Procurement and Personalization
Card Hosting and Authorization
ATM Acquiring
POS Acquiring
Interbank Switching and Settlement
China Union Pay Global Partner
Micro Finance Services on Demand
Universal eCommerce Merchant Platform
3D Secure Authentication for (Verified by Visa, MasterCard Secure Code, American Express
SafeKey and JCB J/Secure and other Alternative Payment Brands.
Our services are tailored to offer our customers a unique one stop solution for all their card
programme’s and transaction processing needs. Our 24/7 call centre ensures that we provide
the best support at all times to our valued clients.
CARD ISSUING, PROCESSING AND MANAGEMENT
G-Switch offers card issuing, processing and management to several financial institutions and private label card
issuers. We provide our customers' access to our Card Management System through a Web based portal to allow
them to interface with our Central Issuing System. We also provide in-house card issuing and management
capability to customer that prefer to manage their issuing and Card production, but connect to us for card hosting
and authorization services.
G-Switch processes all cards issued and hosted on behalf of our hosted institutions. We also process all cards for
members of the G-Switch Network, Private Label Cards and cards supported by China Union Pay.
G-Switch provides card procurement and personalization
services. Card design and anufacture is coordinated
with preferred local and International certified card
suppliers. G-Switch also assist clients that prefer
CARD PROCUREMENT AND PERSONALIZATION
m
to
personalize cards internally, by providing assistance with
card equipment acquisition, installation, interfacing and
support. Our in house personalization bureau offers card
personalization as well as PIN Mailer services.
CARD ISSUING, PROCESSING AND MANAGEMENT
CARD HOSTING AND AUTHORIZATION
ATM ACQUIRING
PoS ACQUIRING
G-Switch hosts and authorizes card transactions for all its hosted and connected institutions. G-Switch provides the
services and configurations associated with the physical production of plastic cards, including anonymous
temporary cards as well as embossed individualised, permanent cards.
G-Switch offers ATM driving, management, and monitoring solutions for a wide variety of terminals. G-Switch ATM
processing, supports directly driven ATMs, as well as advanced-functions ATMs. G-Switch supports most
international ATM Brands.
G-Switch PoS processing offers EMV compliant
PoS devices which are configured to support
most international card brands. G-Switch can
also drive PoS devices for member institutions
on the G-Switch network.
CHINA UNION PAY GLOBAL PARTNER
China Union Pay (CUP) is the only Bankcard association in China. It
is a shareholding financial service institution invested by over 80
domestic financial institutions with the approval of the State
Council and the People's Bank of China. Established in March
2002 and headquartered in Shanghai, CUP has a registered capital
of RMB 1.65 billion and employs over 3000 people. Clydestone –
G-Switch signed a global partnership agreement with CUP in 2009
to expand the acceptance of CUP cards globally, particularly in
Africa. Connectivity to CUP by G-Switch is through their
international front-end processing system in Hong Kong. G-
Switch has completed and certified to CUP and has connected to
local Banks in Ghana.
Clydestone can also engage banks interested in issuing Union Pay
cards.
Verve Nigeria is a Bankcard Association licensed by the Central
Bank of Nigeria (CBN) and processing its transactions through
Interswitch's super switch. G-Switch signed an agreement with
Verve Nigeria in 2012 to enable Verve cardholders to use their
cards in Ghana on G-Switch members connected devices.
VERVE NIGERIA ACQUIRING PARTNER
G-SECURE AUTHENTICATION PLATFORM FOR ISSUERS,
ACQUIRERS, MERCHANTS AND MOBILE WALLET
G-secure connects Internet Merchants to a secure Hosted Checkout
page at the point of purchase to enable all the functions and features that
are traditionally available on a Payment Gateway. It enables merchants to
accept a variety of online payment brands:
* Visa
* MasterCard
* American Express
* Diners
* JCB
* China Union Pay (CUP)
The Platform can support most payment brands provided by a processor;
so G-secure can enable the brands available to the bank's Merchant
Customers today. Authorization, Authentication, Settlement and
Reporting can all be enabled for Clydestone's Bank Clients and their
Merchant Customers.
G-SECURE AUTHENTICATION PLATFORM FOR ISSUERS,
ACQUIRERS, MERCHANTS AND MOBILE WALLET
Clydestone has partnered with Cardinal Commerce Corporation the global
leader in enabling authenticated payments, secure transactions and
alternative payment brands for both eCommerce and mobile commerce, to
offer the G-secure Authentication Platform.
The G-secure Authentication Platform was designed to support the card
association's 3D-Secure authentication programmes: Verified by Visa and
MasterCard SecureCode. The Platform also supports JB/Secure and will
include the American Express SafeKey 3D-Secure payment and the
Discover/Diners 3D-Secure brand by 2012. By selecting the G-secure
Authentication Platform, a bank can, in a short period of time, provide the
3D-Secure programmes to its customers.
The Platform service is available for credit, debit, prepaid/stored value, and
eligible commercial cards. G-secure is built to support customized screens
that a bank's customers see, making it easy to adapt the programme properly for the differed card type and/or regions. The
Platform is also designed to apply the correct level of authentication for different card programmes and region, based on
multiple factors. G-secure is intended to provide a highly customized Platform that will 'look and feel like a bank's own website.
The proper presentation of the service to a bank's customer makes a significant difference in how they will adopt and then use
this new service. Strong adoption by the bank's customers is step 1 in effective fraud prevention. Our ability to uniquely
customize each Platform for each bank is the key to making this a successful service for a bank’s clients and their customers.
The Platform includes a “Cardholder Self-Service Module”. Once a cardholder has registered his or her card for Verified by Visa
or MasterCard Secure Code, he or she can log in and update their own credentials or Personal Message. Often customers
prefer the self-service option (versus contacting the Call Centre) to manage their own credentials once they have signed up for
Verified by Visa or Mastercard SecureCode.
G-secure enables a bank to quickly launch a full scale eCommerce solution for their Merchant Customers who would like to sell
their goods and services over the Internet.
G-secure
The G-secure Platform enables a variety of mobile services, broadly grouped into three categories:
1) Mobile Banking
2) Mobile Bill presentment and Payment
3) Mobile Merchandising and Mobile Commerce
Leveraging the G-secure Mobile App functions and features built into our Mobile Banking App, customers could add
different options to its Wallet such as store locator service, special offers, mobile coupons and vouchers, the ability to check
card balances and other customer value-added services.
G-SECURE MOBILE BANKING G-SECURE MOBILE BANKING
SERVICE DELIVERY: SMS AND APPLICATION
THE G-SECURE MOBILE WALLET
The mobile service can be provided to the end customer using either SMS or an application that is downloaded to the
customer's phone. Some customers will have phones that only support simple SMS messaging; other customers will have
phones that support data services, but still may prefer a mix of SMS and/or application options for their mobile service.
The G-secure Mobile Wallet (the Wallet) is designed to support secure transactions for payment brands and cards,
processors, banks, merchants and their customers, leveraging the convenience of the mobile channel. The Wallet is built
on reliable, eCommerce transaction processing philosophy that can be rendered to operate on any smartphone that is
capable of downloading and launching an application.
When a bank customer signs for the Mobile Wallet, the information provided, as defined by a bank, will be stored in the
MAX data vault. This information can include a funding source(s), billing/shipping address, username/password, mobile
number and an email address. Whenever a customer uses his mobile wallet to make purchases he will only need to
authenticate using a password, and choose his funding source stored in the Data Vault. The customer will not need to re-
enter credit card information or a billing/shipping address. The Data Vault receives, translates and assembles the
information, to produce communication in the appropriate format, whether it is intended for bank to request information, or
for the customer's mobile phone to provide information. No information collected by the Data Vault is shared or viewable by
the merchant, and MAX communications performed in the background are transparent to the customer.
The G-Secure Wallet and Cardinal MAX Data Vault:
G- usec re
PAYPOINT BILL COLLECTION SERVICES
Clydestone's subsidiary Remittance Processing (Ghana) Limited offers the Paypoint bill payment service in Ghana.
Under its agreement with Multichoice Ghana, Paypoint appoints banks to collect DSTv subscriptions .
1. Access Bank
2. Fidelity Bank
3. Unibank
4. HFC Bank
5. Agricultural Development Bank
6. Merchant Bank
The following Banks offer the service: