World class innovation in payments processing.

KNOW-HOW AND EXPERIENCE Combining vast scope and significant economies of scale in each service, SIBS Group processes well over 2.2 billion transactions per year and manages more than 15,000 ATM, 270,000 POS and 18 million cards.
Over a quarter of a century of recognised success and innovation have turned SIBS Group into one of the largest payment processors in Europe, providing secure and efficient solutions that render everyday life easier. Our know-how and experience in the electronic payments market supports 24/7 flawless services to almost 400 clients from the public sector, banks, financial institutions and mobile operators, processing over 2.2 billion transactions, that turn over an average of over 500 billion per month. All this experience has been leveraged well beyond its Portuguese origins reaching multiple markets in EMEA. SIBS INTERNATIONAL is a SIBS Group company dedicated to ensuring proximity and long term commitment towards customers wherever they are in the world. Flexibility and the ability to recognize the specific needs of each customer are the cornerstone of the SIBS INTERNATIONAL profile.

LEVERAGING THE GROUP'S HERITAGE OF QUALITY, INNOVATION AND FLEXIBILITY, SIBS DELIVERS WORLD-CLASS PAYMENT SOLUTIONS TAILORED TO THE SPECIFIC NEEDS OF EACH CUSTOMER.

ONE-STOP-SHOP SERVICE SIBS Group provides a broad one-stop-shop service range able to meet every client need across payment systems.
SIBS activities and functions extend beyond those typical to technological payment processors and automated clearing houses (ACH), providing additional scope for client synergies throughout the entire value chain.

The SIBS INTERNATIONAL service portfolio

Payment Services Innovation Terminal Services Specification & Homologation Network Management Transaction Processing Issuing Processing Acquiring Processing Switching & Interfacing ACH BPO Security & IT Services Security

Clearing Processing

Payment Process Management Client, Products & Channels Process Management Web 3.0 Cards Personalisation

Payment Consulting

IT Services

The SIBS service portfolio is unparalleled, ranging from innovative Payment Services, through Terminal Services in ATM and POS network management and full issuing & acquiring Transaction Processing, to ACH processing capabilities (clearing all payment instruments - cheques and cards, as well as SEPA credit transfers and SEPA direct debits solutions). Client needs in the payments arena are further serviced by SIBS through complementary Business Process Outsourcing (BPO) services, such as Payment Process Management and Card Personalisation Solutions and Security (fraud prevention) & IT Services. SIBS handles transactions whatever their respective channel of origin, namely ATM and POS networks, Internet and mobile phones to on-board units for vehicles, contactless payments. Furthermore, SIBS deals with all payment instrument types (e.g. cards, direct debits, credit transfers, cheques) as well as the interbank clearing of cheques, credit transfers and direct debits.

Step 2

Target 2

International Systems Interface Cards Cheques Drafts Direct debts Credit transfers RTGS

Channel Interface ATM POS Internet banking Internet secure payments Mobile banking Contactless road toll payments

INNOVATION SIBS INTERNATIONAL delivers the most successful payment solution innovations.
SIBS is internationally renowned as a benchmark case study of success and a highly innovative company - the world leader in ATM functionalities, for example, deploying more than 90 different functions through the SIBS ATM networks. SIBS was the first network processor in the world to offer mobile top-ups and is recognised as an innovator and leader in mobile payments, Internet virtual proxy cards, bill payments, vehicle toll parking and fuel contactless payments.

A SURVEY ON THE AVAILABILITY AND USE OF NON-CASH FUNCTIONS AT CASH MACHINES IN OTHER COUNTRIES, REVEALED THAT SIBS WAS THE LEADER IN THE CASH MACHINE FUNCTIONALITY.
In APACSs Report UK Cash & Cash Machines, May 2008

GLOBAL VISION SIBS INTERNATIONAL is actively present in multiple EMEA markets.

The Group operates in various countries worldwide. SIBS is a global company, with ongoing operations in Portugal (with a transversal role within the Portuguese payment system), Algeria and Poland (ATM outsourcing), Angola and Mozambique (a broad partnership with the local Interbanking Processor), Malta (Cards & ATM processing), Romania (POS outsourcing) and SWIFT wire transfers originating from clients based in such diverse overseas locations as New York, Panama and Southeast China. Furthermore, SIBS offers clients SEPA credit transfers and SEPA direct debits, right from day one, and was chosen by the European Payments Council to design the new SEPA direct debits e-mandate solution. SIBS retains in-depth management knowledge not only on the complexity brought about by different currencies, time zones and languages, but also different business cultures and approaches.

Rua Soeiro Pereira Gomes, Lote 1 1649 - 031 Lisboa, Portugal Tel.: +351 217 918 750 Fax: +351 217 939 548 www.sibs-international.com