Q&A KALIXA
Clever Kalixa
A1 Retail talks to Ed Chandler, CEO of Kalixa...
1. When, where and why did the Kalixa story begin?
Formerly the payments division of a large online merchant, Kalixa was born to the retail industry and has over 12 years experience in processing payments, supporting customers, and delivering new products.
More than €100 million has been invested in designing and building Kalixa’s integrated platform to date. By providing integrated and cost effective solutions, Kalixa enables consumers, small businesses and merchants to make and accept payments anywhere, anyway and any time.
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2. We have heard about your fantastic new contactless payment solution; where did the inspiration for this come from? We live in a world of smart devices where consumers are being pushed to use a variety of payment methods from a number of competing organisations. This has led to market fragmentation making it confusing for consumers to pay and merchants to accept. Kalixa Pay – Kalixa’s contactless prepaid wallet ‐ removes complexity by offering consumers one way to pay making payments simple, seamless and secure. Kalixa Pay wallet powers three different payment devices: – Kalixa Pay Card, a contactless, Chip and PIN enabled MasterCard® prepaid card. ‐ moneto, the first NFC enabled iPhone prepaid wallet in Europe. The wallet enables full NFC functionality on an iPhone. ‐ Watch2Pay, the first watch worldwide which can be used for contactless payments. Kalixa Pay is all about reducing the reliance on cash which is costly in time, materials, security and transportation. A cashless society is one that is smarter, simpler and more secure for everyone.
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3. How do your products stand out from your competitors?
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Many players in the market are focusing upon one specific area within the value‐chain. With products that cover virtually every area of the payments chain – from issuing and acquiring to acceptance ‐ Kalixa is one organic platform, meaning its customers only need Kalixa rather than a myriad of providers in the value chain. One integration, one platform and one company ‐ Kalixa is able to take cost and complexity out of payments. This is why we are different.
For example, Kalixa can offer a market leading price‐point for a contactless prepaid card – Kalixa Pay ‐ and easily link this account to a range of devices such as a contactless watch or Moneto mobile payments app. For a small business, Kalixa also offers a mPOS solution ‐ Kalixa Pro ‐ comprising a Chip and PIN enabled mobile point of sale device linked to the Kalixa e‐wallet. It allows merchants to pay suppliers, transfer funds and better manage their money without the costs and complications of a traditional small business account, as well as a simple payments gateway for accepting online purchases. Lastly, for larger merchants Kalixa can offer ‐ Kalixa Accept – an acquiring service and payment gateway which is combined with the choice of over 200 different alternative payments options to increase checkout rates.
4. What has been your biggest challenge to date and how did you overcome it? The biggest challenge for Kalixa has been re‐branding from CQR Payments Group to Kalixa Group. The re‐brand aimed to help customers, whether consumers or merchants, along with the media, analysts and even investors to understand Kalixa’s unique value proposition in a complex payments environment. The process of rebranding was carefully undertaken and aimed to highlight Kalixa’s expertise in issuing, acceptance and acquiring. It shows customers the value of Kalixa’s organic ecosystem and positions the company as one of the leading payments providers.
5. What can we expect from the future of Kalixa?
Over the next year Kalixa plans to grow and establish itself as one of the leading payment providers. Kalixa aims to develop its technology portfolio, launching its own mobile contactless wallet and expand its global footprint, providing simple, seamless and secure payments across Europe and the US.
Contact Kalixa
www.kalixa.com
www.a1retailmagazine.com
A1
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