SECURED BENEFITS

The world of financial services is changing fast and consumers look for ever more personalized, convenient, yet secure options to pay, communicate and interact with their banks. TelKash offers a wide range of digital solutions to meet and exceed these demands.

We help financial institutions leverage the mobile channel to offer clients a secure mobile financial environment. TelKash’s solutions enable various mobile services – such as mobile banking, payment and mobile marketing – that strengthen the relationship between your brand and your customers.

A simple user experience requires complex solutions to function flawlessly behind the scenes. We make it work. Leverage your investment by trusting TelKash whatever the operated services you are looking for: credential services for Mobile Financial Services, authentication services for mBanking, or Banking & Payment Services.

TelKash Prepaid Solutions

Our prepaid card solutions can be used across a wide range of sectors which include Payroll, Expense Management, Travel, Money Share, Insurance, Gaming and Online Shopping amongst others, with reduced exposure to fraud in a safe and secure environment. This provides our customers with peace of mind, convenience and an altogether better value for money proposition.

Confidence

SECURE

TelKash offer simple, Card- & Mobile Wallet based disbursement solution to Government Bodies. Our fully scalable and secured prepaid platform has been proven in the field, as low-cost alternative to multiple cheque and vouchers runs.

Flexible & Customizable.

SCALABLE

The TelKash Prepaid Card and Mobile Wallet Solution caters for benefits payout, travel, teen, expenses and payroll requirements. Councils and Government Bodies can reach beneficiaries with greater efficiency as cards can be issued quickly, without a large paperwork overhead.

Powerful Extension

INSTANT

The Prepaid Payment Card & Mobile Wallet Model has considerable benefits for both the Body/Agency distributing funds and the end-user. TelKash has strived to reduce time spent processing and disbursing funds and have created custom loading functionality to facilitate distribution of funds.

BENEFITS


  • Benefits to Consumers
  • Benefits to Businesses
  • Benefits to Banks
  • Benefits to Government

Great foreign exchange (FX) rates

There is no better way to take foreign currency overseas, than on a prepaid card. Simply buy the currency you desire before you go, and you will lock in your rate. Buying the currency is as simple as loading your card at 1 of thousands of load points, or register your everyday bank acct or debit card of choice - then you simply transfer money to your card any time via a secure website.

Using your card Overseas

Your Prepaid Card functions exactly like a local card. For example, when you visit the Eurozone, your TelKash Prepaid Card will function exactly like a card from that country, you will not be subject to currency conversions or commissions on your purchases. You'll be able to use it at restaurants, shops, ATM's etc. just like you use your everyday card at home. No more trying to calculate exchange rates on the go, you are actually purchasing in the local currency.

Safe and secure

Traveller's cheques are very much a thing of the past. The growth in Prepaid cards for travel has exploded, and with good reason. Cards are more widely accepted, you don't present your passport and sign anything to authorise and card's are smaller, easier and fit in your wallet/purse. No hassle, no fuss, just a single card and you're away. Simple.

Not linked to your bank account

Cards are prepaid, meaning they have no credit or loan facility alongside. This means you can only spend what you load. What you load, is what you can access, that's it. In the extremely unlikely event someone did obtain your card AND got access to your security PIN, the maximum amount accessible is the loaded amount (or the daily limit of the card).

Emergency functions

All TelKash cards have a range of simple tools so you can manage your card. SMS functions enable the following actions almost instantly;

  • Text to block card – this temporarily deactivates the card. No transactions will be processed while the card is deactivated.
  • Text to unblock card – the reverse of the above or reactivate the card
  • Text to transfer funds – with a preregistered debit card or bank acct of choice, you are able to action a transfer of funds to 'top up' your prepaid card
  • Text for balance – send and SMS to reveal your card balance

TelKash offer corporate entities prepaid solutions in areas such as payroll and employee expenses. With innovative benefits for both employee and employer, corporate disbursements via prepaid cards or mobile wallets have flourished over the past few years.

The TelKash Wallet & Prepaid Business Cards can be used as a solution to recurring payments - E.g. payroll, incentives and prepaid expense cards. Many companies' workforce could benefit from direct deposit on a Prepaid Payroll Card.

For the employer, it provides the opportunity to cut costs on processing payroll. This is especially true in those industries where significant numbers of cheques are produced and distributed. By providing a prepaid card for payroll, the employer is able to load that card with the employee's wages within minutes, efficiently and cost effectively.

The employees receive the funds on a card or wallet rather than having to cash a cheque and it gives them access to shopping on the Internet or through the traditional retail environments. Cardholders do not need to carry cash around.

For the non-banked, this solution removes the inconvenience and cost of exchanging cheques for cash, whilst providing similar benefits to a Debit Card such as access to the online world of payments.

Cash Management

TelKash enables you to deposit the weekly/monthly payroll to a settlement account. Funds are held in a settlement account. The card / wallet is significantly easier to manage for all in the value chain. This is especially true in those industries where there is a high employee turnover or employees are transient workers.

Employer Benefits

  • Cost effective way to manage payroll.
  • Easy to implement solution for your existing payroll services.
  • Reduce cheque and cash management and handling costs.
  • Reduce bank fees.
  • Reduce security risks involved with cash and cheque fraud.
  • Greatly reduce lost cheque replacement costs.
  • Payments to employees either instantly or within their own timeframe.
  • Issuing a prepaid card is often cheaper than sending international SWIFT or CHAPS payments.
  • Revenue earner.

Employee Benefits

  • Employees do not need to wait in queues to cash cheques.
  • Replaces the need to cash cheques at high commission rates.
  • Employees will use fewer money orders.
  • Access to Internet purchases.
  • Employees have immediate access to funds on payday.
  • Saves time and money.
  • Employees can get account balance and transaction history via Internet, SMS or telephone IVR.
  • Share Money with secondary cardholders instantly at low cost via SMS.
  • Safer than carrying cash.
  • Benefit from safety features of Chip and PIN cards.
  • Anyone can obtain a card as no bank account or previous credit history is required.
  • Unbanked employees can use Prepaid Cards to make payments and obtain cash.

The world of Financial Services is changing fast and consumers look for ever more personalized, convenient, yet secure options to pay, communicate and interact with their banks. TelKash offers a wide range of digital solutions to Banks and Financial Institutions meet and exceed these demands.

TelKash offers a broad range of solutions and offers to equip banks with the most advanced, digital security and technology available.

We work with regulated financial services providers, such as Banks or Financial Institutions, Micro-finance Banks, Credit Unions, Payment Service Providers, Gateway Operators, Processors, E-money Issuers and Money Remittance Companies or Money Service Providers.

Mobile Banking & Apps

Putting your Bank on Top. We help financial institutions leverage the mobile channel to offer clients a secure mobile financial environment. TelKash’s solutions enable various mobile services – such as mobile banking, mobile wallet, payment and mobile marketing – that strengthen the relationship between your brand and your customers.

Building a more trusted Bank with a global leader for mobile operator micro-payments, TelKash provides Banks and Financial Institutions a robust Mobile Banking Suite linked up

eBanking & eCommerce Security

TelKash offers a Mobile Current and Savings Account Platform to Banks through the TelKash Payment Network. Creating an improved electronic money products and services that enables financial inclusion even o the most remote part of the country. TelKash E-Money Platform is a brand name of an omni-channel electronic money and payment solution powered by T-Wallet E-Money Management System, with mobile and agency banking technologies that delivers financial services within and outside conventional branches.

As experts in strong authentication for banks, we enable you to make online banking and shopping secure and convenient for people everywhere. TelKash online banking security solutions will help you stay ahead of the competition and build stronger customer relationships.

Cards & Payments

Digital payment technology comes in many shapes​. You'll find them all at TelKash. With EMV as the underlying technology, we supply a complete range of form factors to accomodate your specific constraints and business requirements, as an issuer of payment tools.Today EMV, the global standard for secure payments, has been deployed in more than 80 countries. Credit, debit, prepaid, and contactless cards, as well as mobile payments – all of these are now being secured with EMV.

T-Card is an off-the-shelf payment application from TelKash that is fully compliant with the EMV™ standard. It is designed for domestic schemes and private payment card associations looking for chip-based security and fast time to market.T-Card is a scheme-agnostic EMV application that private-label card issuers and national payment associations can use without the need to enter into a business agreement with another payment scheme.

T-Card specifications for domestic schemes. With T-Card, domestic schemes can define their own payment solution – including product lifecycle and roadmap, and certification rules – for a cost-effective off-the-shelf solution.

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  • T-Card for private-label and mobile-payment issuers
  • T-Card offers closed-loop card issuers the benefits of EMV combined with full control over their payment network, for the ultimate in convenience combined with state-of-the art technical features.

Contactless Payments

The world has seen many successful launches of contactless payments worldwide. The prerequisites, market conditions, end-user demands and legislation vary, but results all point in the same direction; great benefits for banks, merchants and users alike.

TelKash contactless solutions : an innovative and secure way to penetrate new markets

Both for purely contactless and dual-interface cards / smart beacons and adjacent form factors, TelKash offers next-generation solutions with optimized chips and operating systems for high level security, and best in class RF performances and transaction times. TelKash contactless solutions offers to issuers an innovative and secure way to penetrate new markets (cash, young, unbanked) , increase number of transactions generating additional revenue streams.​

  • Contactless EMV card
  • This is the level to go for if you want a technology that's not only convenient and secure, but also future-proof. A contactless card can also be used as a contact card. ​

  • New Form Factors
  • New form factors are becoming popular alternatives to traditional payments cards. TelKash has been at the forefront of driving these fun, innovative and user friendly devices since the technology first appeared. We have helped more than several financial institutions in many countries with their contactless programs.

    Our EMV contactless portfolio now includes contactless companion devices such as stickers, tags, wristbands and watches as well as cards.

TelKash offer the best practices electronic funds transfer through a simple card-based disbursement solution to government bodies. Our fully scalable prepaid platform has been proven in the field, as low-cost alternative to multiple cheque and vouchers runs.

The TelKash prepaid card solution caters for benefits payout, travel, teen, expenses and payroll requirements.

Councils and government bodies can reach beneficiaries with greater efficiency as cards can be issued quickly, without a large paperwork overhead. TelKash has strived to reduce time spent processing and disbursing funds and have created custom loading functionality to facilitate distribution of funds.

The Prepaid Payment Card model has considerable benefits for both the body distributing funds and the end-user.

Public Sector Organisations want to:

  • Reduce costs
  • Streamline operations & resources
  • Better serve customers
  • Increased control and transparency
  • Improve security

Customers have a desire for

  • Convenience and easy of use
  • Flexibility and enhanced security
  • Access to payment services if unbanked

GOVERNMENT PREPAID SOLUTIONS

For a Local Authority or Government body prepaid cards can streamline previously cumbersome procedures as well as providing an accurate and timely audit trail.

The ability to issue a card and distribute value in emergency situations provides further evidence of the flexible nature of prepaid for payment disbursement. Regardless of how the need has arisen, whether its a result of flooding, loss of home or an emergency welfare payment, the prepaid card enables the Government body to issue funds real-time to an individual. For recurring benefit payments, funds can be loaded by batch file on a daily, weekly or monthly basis. SMS messages can be triggered to inform recipients that funds have been loaded to the card, as well as informing them when the card reaches certain pre-defined balances.

Public Sector Organisations want to:

  • Reduce costs
  • Streamline operations & resources
  • Better serve customers
  • Increase control and transparency
  • Improve security
  • Have access to reporting and analytics
  • Have the capacity to distribute funds quickly in an emergency

Customers have a desire for:

  • Convenience and ease of use
  • Flexibility and enhanced security
  • Access to payment services if unbanked

Our fully scalable prepaid platform has been proven in the field, as a lowcost alternative to cheque and voucher based disbursments. Central and Local Governments are embracing the functionality and control that prepaid cards provide.

The TelKash prepaid card solution caters for benefits payout, travel, teen, expenses and payroll requirements. Prepaid products can also be issued over the counter to recipients for emergency funding and ongoing payments, reducing and potentially eliminating the need to hold cash on the premises, along with the associated insurance and risk costs.

Councils and government bodies can reach beneficiaries with greater efficiency as cards can be issued quickly and without a large paperwork overhead. TelKash has strived to reduce time spent processing and disbursing funds and have created custom loading functionality to facilitate distribution of funds.

The Prepaid Payment card model has considerable benefits for both the body distributing funds and the end-user.

Government payment cards provide a valuable 'choice' for the receiver. The power to elect where funds are sent can be critical. The prepaid card enables a cardholder to receive funds into an account they control and access funds as they would with any 'regular' bank account.

The ability to use this card on the internet and over the phone provides the cardholder with access to goods, services and prices that may have been unavailable to them previously.

TelKash Benefits for You