CardEase Mobile Expands Chip And PIN Offer In Europe

If you have paid for car parking in the UK in the last five years you were probably using technology developed by CreditCall. The company CreditCall is a specialist payment services provider and payment gateway with a global footprint, providing innovative and reliable card payment solutions for mobile, e-commerce and unattended payment terminals (parking, ticketing and vending). They also develop and certify Chip & PIN and Chip & Signature Kernel software for contact and contactless transaction processing.

The novelty at CreditCall is the company’s new mobile Chip and PIN solution – CardEase Mobile. “A relatively new side of the business” for CreditCall, Jeremy said, the new solution “enables anyone with a smartphone – Android, Blackberry or iPhone – to turn that into a mobile POS with a compatible Bluetooth PIN pad.” “The original thinking for it”, the CTO explained, “probably came around four to five years ago when we noticed a convergence of mobile phone technology and terminal technology”. He pointed the similarity between the two technologies, and “we thought, why don’t we take out a lot of the cost out of the equation for individual merchants by using that highly evolved and complicated piece of hardware…and putting mobile POS sort of applications you would see on a desktop credit card terminal”, he added.

The White Label choice is simply a question of size and the company prefers to play on their strengths. “We are a very good technology company and we generally work on a distribution model where we approach larger companies that have support channels, sales channels and other kinds of structure…and we enable them to brand the application software as their own.”

CardEase mobile currently operates in the UK but has a lot of interest in mainland Europe and also the United States. They are also planning in incorporating NFC as soon as the technology permits it. CardEase Mobile is currently available through their partner Elavon under the name Elavon MobileMerchant and is beta testing phase with Sage Pay.


Jeremy Gumbley has driven CreditCall’s technical development since 1999 and was appointed Chief Technical Officer and Technical Director in 2001. He is responsible for the design, development and implementation of the company’s market leading card payment solutions and portfolio of EMV Level 2 Kernels. CreditCall has licensed and deployed over 1 million Kernels over the last 10 years. In addition, Jeremy oversees the maintenance of the company’s PCI DSS Level 1 compliance.

Prior to CreditCall Jeremy was Managing Director of his own software business, CGCS, and also developed software systems for CallShop and Command Software Systems, Inc. In the mid-80s and early 90s he was very involved in the Anti-Virus and Computer Security business and developed one of the very first commercially available Anti-Virus packages. He also pioneered the concepts of televoting via premium rate telephone numbers and of low cost telephone services through retail outlets and prepaid telephone cards.