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Founded in 1985 in Vienna, Austria, the cashless payment provider Card Complete was first known as VISA SERVICE Kreditkarten AG. The company is owned by 3 Austrian banks, the Bank of Austria (50,01%), AVZ-Stiftung (24,9%) and Raiffeisen Zentralbank (25%). To this day, over 1.5 million card owners have made transactions through card complete. In 2016, over 200 million transactions were processed, for a value of 14 billion euro. 26 million of those transactions were made through contactless technology (NFC).
As an acquirer, card complete arranges acceptance agreements with dealers and calculates card payments. The company also offers point-of-sale solutions (PoS).
card complete offers e-commerce solutions in partnership with the payment service providers Wirecard, mPay24, Ogone, Viveum Zahlungssysteme GmbH and Datatrans AG. These companies process payment made through card complete’s virtual terminal. This terminal can easily be integrated in an existing shop website. It is PCI compliant, encrypts data through Secure Sockets Layer (SSL) and features 3D Secure code. The terminal is designed to also support for mail and telephone orders (MOTO).
card complete processes transactions made with the most popular credit cards. Visa, MasterCard, JCB, Discover, Diners Club and UnionPay are accepted.
The American multinational financial services corporation, headquarter in California, is facilitating electronic funds transfers worldwide. In 2015, Visa’s global network processed 100 billion transactions, a value of 6,8 trillion US dollars. Verified by Visa is an additional security system for online purchases. It is designed to protect consumers from unauthorized online transactions. After a client entered its Visa card information in the checkout process, a pop up will ask for the associated Verified by Visa account password. Customers have come to recognized and trust Verified by Visa. Offering this verification method will help online retailers gain their clients’ trust.