allpay Limited

Prepaid Cards

allpay provides a Mastercard-branded prepaid card for one-off disbursements of funds or for on-going reloadable payment schemes. Cards can be enabled for chip and pin payments, e-commerce transactions and regular payments e.g. direct debits and standing orders.

Features

• Cloud-based web Portals for Organisation and Cardholder
• Cards issued on Mastercard® Scheme
• Point of Sale, E-Commerce and ATM Functionality
• Sortcode and Account Number and access to BACS/FP
• Online and Telephone Banking Solution for the Cardholder
• Ability to set-up Direct Debits and Standing Orders
• Flexibility to block Merchant Category Codes (MCC)
• Self-service Reporting Suite
• Real-time loading of Cards, individually and in bulk

Benefits

• Real-time visibility of spend to enable monitoring
• Real-time Load and Redemptions
• Both Self-service and Exception Reporting
• 24/7 Automated Phone Line and Online Portal for balances
• In-house Call Centre for Customer queries
• Multiple activation/PIN retrieval solutions
• No Credit facility for the Cardholder
• Load/Recoup funds and block Cards instantly
• Secondary Cards for Carers/Guardians supporting Service Users
• Ability to absorb Transaction Fees or assign to Cardholder

£3.04 a unit

Service documents

• Pricing document

  PDF

• Service definition document

  PDF

• Terms and conditions

  PDF

Request an accessible format

If you use assistive technology (such as a screen reader) and need versions of these documents in a more accessible format, email the supplier at tenders@allpay.net. Tell them what format you need. It will help if you say what assistive technology you use.

Framework

G-Cloud 14

Service ID

752120486997204

Contact

Robert Cutler
+441432807543
tenders@allpay.net

Service scope

• Software add-on or extension: No
• Cloud deployment model: Public cloud
• Service constraints: System outage for the online systems due to maintenance will not exceed 12 hours annually and will not exceed 8 hours for any single outage. Maintenance will only occur during scheduled off-peak hours: 23:00 – 05:00. Clients will be made aware of any planned work prior to commencement.
• System requirements:
  • The solution is compatible with IE9 and above
  • The solution is compatible with Chrome 24 and above
  • The solution is compatible with Safari 9, Firefox 18
  • The solution is compatible with Opera 15 and above
  • The solution is browser based with only internet access required

User support

• Email or online ticketing support: Email or online ticketing
• Support response times: Customer Service Contact Centre (CSCC) team is available between 08:00 and 18:00 Monday to Friday for both client and payer queries.
• User can manage status and priority of support tickets: No
• Phone support: Yes
• Phone support availability: 24 hours, 7 days a week
• Web chat support: No
• Onsite support: Onsite support
• Support levels: Outside the Customer Service Contact Centre hours 08:00-18:00 Monday to Friday, allpay ensures an engineer is on-call 24/7 for incidents. allpay provides a dedicated account manager for day to day queries including performance management, contract queries and any technical issues encountered.
• Support available to third parties: Yes

Onboarding and offboarding

• Getting started: Allpay will appoint a dedicated implementation contact to oversee the full implementation process – with weekly calls scheduled between them, the organisation's dedicated account manager and stakeholders at the Organisation. ; ; allpay will liaise with the organisation to capture all of the organisation's scheme requirements e.g. Merchant Category Code blocking, spend limits etc.; ; allpay will provide onsite training for clients, upon a date agreed between both parties. We provide a mix of practical exercises to build familiarisation with the prepaid card service, platform and procedures. This includes instructional videos for both clients' staff and service users, user guides and handbooks for client users and quick-start reference sheets.
• Service documentation: Yes
• Documentation formats:
  • HTML
  • PDF
• End-of-contract data extraction: Allpay will work with clients to ensure a smooth exit once the contact ends. Any client data will be returned in the format requested either via SFTP or securely via allpay's management portals.
• End-of-contract process: Allpay's contract price covers the setting up of the service as agreed. If the contract has run its intended or extended term or for any other agreed reason we would return client data (as detailed in the previous question). We would offer (subject to the exact requirement) any assistance we can to allow a smooth exit and transfer to any new supplier.

Using the service

• Web browser interface: Yes
• Supported browsers:
  • Internet Explorer 11
  • Microsoft Edge
  • Firefox
  • Chrome
  • Safari
  • Opera
• Application to install: No
• Designed for use on mobile devices: Yes
• Differences between the mobile and desktop service: For those service users who do not have access to a computer, allpay’s Cardholder Portal is mobile optimised allowing service users who are on a mobile phone or tablet to easily access and carry out Portal functions from their device.
• Service interface: No
• User support accessibility: WCAG 2.1 AA or EN 301 549
• API: Yes
• What users can and can't do using the API: APIs are available to cover all of allpay’s prepaid service functionality. allpay can provide technical documentation to support the integration.
• API documentation: Yes
• API documentation formats: PDF
• API sandbox or test environment: Yes
• Customisation available: Yes
• Description of customisation: Allpay's Prepaid Service is web-based and can be branded with the organisation's logo to promote familiarity with users logging into their online banking service.

Scaling

• Independence of resources: To ensure the platform can manage a high concurrent transaction and user level, the platform is monitored and, due to the architectures modular approach, can be scaled to accommodate the business needs. The platform is monitored to keep AIX processing usage below 5% on physical AIX hosts. When resource consumption of any physical host approaches 40%, additional hardware is acquired and assigned to the pool. Additionally, restrictions are in place on system resources to ensure each entity cannot monopolise server resources.

Analytics

• Service usage metrics: Yes
• Metrics types: The solution has a reporting suite, which is accessed within the web-based Organisation Portal. It provides clients with access to 14 different reports which can be run in real time, configurable by date and programme.
• Reporting types:
  • Real-time dashboards
  • Regular reports
  • Reports on request

Resellers

• Supplier type: Not a reseller

Staff security

• Staff security clearance: Other security clearance
• Government security clearance: None

Asset protection

• Knowledge of data storage and processing locations: Yes
• Data storage and processing locations: European Economic Area (EEA)
• User control over data storage and processing locations: No
• Datacentre security standards: Supplier-defined controls
• Penetration testing frequency: At least once a year
• Penetration testing approach: ‘IT Health Check’ performed by a Tigerscheme qualified provider or a CREST-approved service provider
• Protecting data at rest:
  • Physical access control, complying with another standard
  • Encryption of all physical media
• Data sanitisation process: Yes
• Data sanitisation type:
  • Explicit overwriting of storage before reallocation
  • Deleted data can’t be directly accessed
• Equipment disposal approach: Complying with a recognised standard, for example CSA CCM v.30, CAS (Sanitisation) or ISO/IEC 27001

Data importing and exporting

• Data export approach: Reports can be exported in CSV, Excel or PDF from within the Organisation Portal. Reports show real-time transaction data covering user management, successful and unsuccessful transactions, available balances and the status of individual cards.; ; Transfer of data between organisations and allpay uses 256-bit Advanced Encryption Standard (AES) over Transport Layer Security (TLS) 1.2, creating a secure link between the organisation’s internet browsers and allpay’s web servers, ensuring all data transmitted between the two remains secure.
• Data export formats:
  • CSV
  • Other
• Other data export formats:
  • PDF
  • Excel
• Data import formats:
  • CSV
  • Other
• Other data import formats: Excel

Data-in-transit protection

• Data protection between buyer and supplier networks: TLS (version 1.2 or above)
• Data protection within supplier network: TLS (version 1.2 or above)

Availability and resilience

• Guaranteed availability: Allpay conforms to a 99% availability of the platform, which is available 24/7/365. allpay would liaise with the organisation over mutually agreed Key Performance Indicators to ensure measures were in place should performance fall below the agreed SLAs and KPIs.
• Approach to resilience: Allpay has a fully documented, audited and regularly tested Business Continuity and Disaster Recovery plans, in place for this service; the exact details are available on request.; ; To ensure continuity of service in the event of a disaster and/or service-affecting incident, allpay has a comprehensive Business Continuity Plan, which is regularly tested without prior notice. The Business Continuity Plan details arrangements in the event of service affecting incidents including, but not limited to damage to or unavailability of premises and/or equipment, IT failures, anti-virus management and protection, malware attacks, pandemics, staffing levels and natural disasters. allpay’s processor, Carta Worldwide (CWW), has a similar Business Continuity plan.; ; allpay’s plan, based on ISO22301, clearly identifies Business Continuity procedures during the response to, and recovery from, a disruptive event. Responses to minor incidents or events may utilise elements of this plan.; ; The plan applies to all personnel who operate and manage critical business units, departments and services. All stakeholders would be kept fully informed at all times during any system failure so that contingency plans can be considered before any degradation of service.
• Outage reporting: Organisations will be notified in advance of any scheduled maintenance. Scheduled maintenance is communicated out to the organisation's nominated super users, who are sent the scheduled maintenance period by email. Additionally, allpay has a public-facing service status page detailing the availability of all its services at all times.

Identity and authentication

• User authentication needed: Yes
• User authentication: Username or password
• Access restrictions in management interfaces and support channels: Access to the Organisation Portal, accessed by the Organisation, is protected by an authentication process. Organisation users will be provided with the Portal’s URL, a username and a temporary password via email. They will then be required to re-set the password on first access. This removes the chance of any unauthorised personnel accessing the portal for fraudulent activity. From within the Organisation Portal, the organisation will be able to configure roles and permissions. Each role has permissions to access specific functions in the Portal and, within that, actions to view, add, modify, delete or all.
• Access restriction testing frequency: At least every 6 months
• Management access authentication:
  • 2-factor authentication
  • Public key authentication (including by TLS client certificate)
  • Username or password

Audit information for users

• Access to user activity audit information: Users have access to real-time audit information
• How long user audit data is stored for: At least 12 months
• Access to supplier activity audit information: Users have access to real-time audit information
• How long supplier audit data is stored for: At least 12 months
• How long system logs are stored for: At least 12 months

Standards and certifications

• ISO/IEC 27001 certification: Yes
• Who accredited the ISO/IEC 27001: Alcumus ISOQAR
• ISO/IEC 27001 accreditation date: 08/08/2023
• What the ISO/IEC 27001 doesn’t cover: The certification covers all aspects of IT and security.
• ISO 28000:2007 certification: No
• CSA STAR certification: No
• PCI certification: Yes
• Who accredited the PCI DSS certification: One Compliance Cyber Ltd
• PCI DSS accreditation date: 25/08/2023
• What the PCI DSS doesn’t cover: Allpay is directly PCI-DSS compliant and is a Level 1-certified Payment Services provider and Payment Facilitator.
• Cyber essentials: Yes
• Cyber essentials plus: Yes
• Other security certifications: Yes
• Any other security certifications:
  • MasterCard and Visa accreditation
  • DPA Registration
  • Cyber Essentials Plus
  • Authorised as Electronic Money Institution (Financial Conduct Authority)
  • BACS-Approved Bureau
  • ISO 27001
  • ISO 9001

Security governance

• Named board-level person responsible for service security: Yes
• Security governance certified: Yes
• Security governance standards:
  • ISO/IEC 27001
  • Other
• Other security governance standards: Cyber Essentials Plus
• Information security policies and processes: Allpay has a fully documented and audited Security Information Policy and ISO 27001 accreditation. allpay's Head of Compliance has overall responsibility for ensuring that the policy is followed - he reports to allpay's board of directors on any related matters. A copy of the policy can be provided on request.

Operational security

• Configuration and change management standard: Supplier-defined controls
• Configuration and change management approach: Allpay uses a Software Development Life Cycle (SDLC) for Software Development – a series of steps that provides a model for the development and lifecycle management of an application/software. Further to this, allpay has technical implementation plans and a change control board to verify changes prior to release into production. allpay uses an Agile development methodology and conforms to OWASP (Open Web Application Security Project). Developers also have training in secure coding techniques. allpay internally code reviews all major applications and revisions against such criteria as the OWASP top 10. Practices also comply with ISO 27001 and Cyber Essentials Plus.
• Vulnerability management type: Supplier-defined controls
• Vulnerability management approach: Allpay performs monthly internal and external vulnerability scans as required by PCI. Internal auditors review systems as required and in conjunction with the allpay audit plan devised to maintain compliance with ISO 27001 & PCI standards. IT Operations have implemented various tools to monitor the health of the network, e.g. Ops Manager, Apps Manager, Tripwire, SIEM, IPS/IDS, Sophos Suite etc. Checks are made for patches and updates daily, once alerted to a new patch, IT Support will download and review the new patch within four hours of its knowledge of release.
• Protective monitoring type: Supplier-defined controls
• Protective monitoring approach: Vulnerability scans are run against the network infrastructure for devices on a scheduled periodic basis and reports are generated on the vulnerabilities identified across the assets in each network zone. In response to any identified compromise, allpay has a fully documented and audited Information Security Response Plan that covers all reports of information security weaknesses or events relating to any of the organisation’s information assets. This is available on request. allpay has in place SLAs for incident response management, detailing fix times, response times and interval updates for critical and high impact incidents. These are available on request.
• Incident management type: Supplier-defined controls
• Incident management approach: Allpay has pre-defined processes in place for incident management. This is inline with ISO 27001. allpay’s Information Security Policy Handbook provides a framework for the management of information security to minimise risk (this is available on request). The high-level procedure for responding to any security incident is as follows: • Advise Head of Compliance • Commence investigations • Submit Security Incident form • Identify and implement resolution • Produce report • Update documentation • Advise management. Incident reports are available to clients through allpay's Customer Service Contact Centre

Secure development

• Approach to secure software development best practice: Independent review of processes (for example CESG CPA Build Standard, ISO/IEC 27034, ISO/IEC 27001 or CSA CCM v3.0)

Public sector networks

• Connection to public sector networks: No

Social Value

• Social Value:

  Social Value

  Fighting climate change

  Fighting climate change

  As an ISO 14001, ISO 50001 and ISO 45001 accredited company, allpay is aware of the responsibilities regarding its environmental impact and has implemented company-wide initiatives and targets to reduce environmental impact, ethically and sustainably.; ; allpay is a registered producer of hazardous waste. We ensure that our disposal methods have a minimal impact on the environment and conforms to statutory and legal requirements. We have signed an agreement with a licensed waste disposal company for the collection and disposal of manufacturing waste, which is recycled.; ; allpay recently announced its intention to offer an almost 100% recycled card product by enhancing its relationship with SPICA's closed loop recycling project.; ; Using recycled PVC contributes to the preservation of natural resources by reducing the demand for virgin PVC, helping to minimise landfill volumes. A key advantage is that recycled PVC can be recycled multiple times without significant loss of quality or performance.; ; allpay's recycled PVC cards have been approved by Mastercard and Visa and are subject to the quality standards of the Card Quality Management (CQM) system. All cards are produced to a CQM A-grade. In March, allpay passed the Mastercard Sustainability Audit and attained the Mastercard Sustainability Badge.; ; The use of modern, well-maintained equipment allows allpay to operate at very low levels of wastage for its Payment Card manufacturing. The wastage rate for its operations in previous years has been less than 1%.; ; allpay recently announced its intention to offer an almost 100% recycled card product by enhancing its relationship with SPICA's closed loop recycling project. ; ; Looking ahead, we are shortly hoping to become a 'Planet Mark certified business' following an in-depth measurement and verification of our carbon footprint.; ; We have also signed a new electricity contract with Ecotricity to supply our site with 100% renewable energy from 1st September.

Pricing

• Price: £3.04 a unit
• Discount for educational organisations: No
• Free trial available: No

Service documents

• Pricing document

  PDF

• Service definition document

  PDF

• Terms and conditions

  PDF

Request an accessible format

If you use assistive technology (such as a screen reader) and need versions of these documents in a more accessible format, email the supplier at tenders@allpay.net. Tell them what format you need. It will help if you say what assistive technology you use.