1. Kent County Council – SITRA visit
PreLoaded Cards
Jackie Leavesley
RBS Commercial Cards
Relationship Manager
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2. Agenda
 Introduction to Royal Bank of Scotland
 Role as Relationship Manager
 The journey with KCC
 PreLoaded Cards
- Benefits
- Functionality
- How it works
- Provider engagement
- Reporting
 Current position and going forward
 Questions
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3. Royal Bank of Scotland Group
 Issuer of Commercial Cards since 1972
 Largest commercial card issuer in Europe and No 1 in the UK circa 25% market
share (public sector 35%+)
 Extensive experience of managing large, complex card programmes
 Key player in Public Sector
 Dedicated Public Sector team
 Market leading B2B team to support supplier engagement
 Reputation for product innovation (first issuer of Purchasing Card and PreLoaded
Card)
 Award Winning Commercial Cards business:
- Winner of Best Corporate Social Responsibility Programme with Kent Card at
Visa Europe Awards 2009
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4. Role of Public Sector Relationship Manager
 Work closely with portfolio of public sector programmes to understand needs
and develop solutions
 Range of card solutions available
 Looking to innovate and drive forward new facilities, where there is demand
 Many councils focus on corporate procurement ie stationery/office supplies
 KCC has always had a strong Social Care focus and key products developed
to meet these needs
 Ongoing close working to develop the Kent Card
 Many authorities monitoring Kent position and looking to emulate
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5. The journey with Kent County Council
 Initial approach from KCC Chief Executive in 2005
 Vision for the future that service users would have all payments loaded onto a
card
 Product being requested did not exist
 RBS developed the Kent Card to meet this need and launched in 2006
 A learning experience on both sides and true partnership working
 Functionality has developed as we understand more about this usage
 KCC has become a role model for other authorities
 Personalisation legislation has made high on agenda for other
authorities
 The journey continues as new applications are progressed
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6. Key Benefits
Control Empowerment
Efficiency Flexibility
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7. PreLoaded Cards
A means of making regular payments to a cardholder
Features of a PreLoaded Card:
 Load cards upfront by BACS payment
 All transactions pre-authorised
 Empowerment of cardholder - can use F2F or CNP
 More efficient process - replaces cash and cheque pmts
 Ability to control and monitor spend efficiently
 No need for separate bank accounts/ petty cash
 Ownership of funds and clawback
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8. Additional Features
RBS PreLoaded cards also feature:
 Additional cardholder facility
 Fastcash
 Encashment
 Diversion billing
 Regular Management Information –monthly/weekly
 Cards On Line for administrator and cardholder
 Cardholder top-up
 Authority clawback of funds –death/incapacity
 Flexible loading
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9. How the solution works
LA RBS and Visa
1. Pays funds to bank
6. Management Info
2. Cards provided
5. Pays supplier
Supplier Payment Recipient
Physio
Physio
4. Provides service 3. Orders service
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10. How the solution works…..Merchant restrictions
MCG NO. MERCHANT CATEGORY GROUP MCG NO. MERCHANT CATEGORY GROUP
1 BUILDING SERVICES 18 STATUTORY BODIES
2 BUILDING MATERIALS 19 OFFICE STATIONERY, EQUIPMENT & ,SUPPLIES
3 ESTATE AND GARDEN SERVICES 20 COMPUTER EQUIPMENT AND SERVICES
4 UTILITIES AND NON AUTOMOTIVE FUEL 21 PRINT AND ADVERTISING
5 TELECOMMUNICATION SERVICES 22 BOOKS AND PERIODICALS
6 CATERING AND CATERING SUPPLIES 23 MAIL AND COURIER SERVICES
7 CLEANING SERVICES AND SUPPLIES 24 MISC. INDUSTRIAL/COMMERCIAL SUPPLIES
8 TRAINING AND EDUCATIONAL 25 VEHICLES, SERVICING AND SPARES
9 MEDICAL SUPPLIES AND SERVICES 26 AUTOMOTIVE FUEL
10 STAFF - TEMPORARY RECRUITMENT 27 TRAVEL
11 BUSINESS CLOTHING AND FOOTWEAR 28 AUTO RENTAL
12 MAIL ORDER/DIRECT SELLING 29 HOTELS AND ACCOMMODATION
13 PERSONAL SERVICES 30 RESTAURANTS AND BARS
14 FREIGHT AND STORAGE 31 GENERAL RETAIL AND WHOLESALE
15 PROFESSIONAL SERVICES 32 LEISURE ACTIVITIES
16 FINANCIAL SERVICES 33 MISCELLANEOUS
17 CLUBS/ASSOCIATIONS/ORGANISATIONS 34 CASH
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11. Provider Engagement
 Key element of issuing the card is ensuring care provider will be
able to accept payment this way
 RBS Worldpay will work closely with authorities to ensure
providers are able to accept card payments
 A range of solutions available to the provider however there will be
a cost
 Solutions permit providers to accept all credit and debit cards
 Cost for acceptance balanced against earlier receipt of monies,
reduced admin and providing the service their customers require
 As use of PreLoaded cards develops, provider acceptance will
grow
 Fastcash facility for clients who wish to employ a PA
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12. Reporting
Management information:
 Cardholder spreadsheet on opening
 Monthly transaction files
 Cardholder files
 Quarterly balance files
 Available as regularly as required
 Downloadable securely in Excel format so can manipulate
 Information available for auditing process
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13. Current position and going forward
 Kent County Council – first UK PreLoaded programme
 11 other programmes live
 Many more in pipeline
 Much interest due to personalisation agenda
 All current programmes utilising PL cards for same purpose as
KCC….disability care payments
 PHB to be piloted shortly
 Also progressing Children and Families
 Product continues to develop and frequent new requests for usage
 Banks are learning from authorities and other public and private
sector bodies what is required = new functionality
 Phasing out of cheques will increase demand
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14. Questions
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