1. Prepaid Debit Card Solutions
Presentation
HubWallet (Pty) Ltd
PO Box 312 Kathu 8446,
Northern Cape, South Africa.
10 Bonthout Street, Kathu,
Northern Cape,
South Africa

2. Who we are Company Overview
Hubwallet is the official and exclusive provider of Capital Software products and services. Hubwallet specialises in the delivery of a wide range of payment solutions which include, prepaid debit cards, merchant restricted cards, mobile payments, EFT services and electronic collections.
Via its contractual relationship with Capital Software, Hubwallet provides solutions to a wide range of clients in various markets and sectors. The Capital Group is wholly focused on providing Third Party Payment (TPP) services via its own proprietary switching architecture and payment-gateway software. The major portion of the transaction volumes processed by Capital Software can be described as so-called salary-based, payroll transactions.
Capital currently interfaces with approximately 13,700 employer groups in various sectors and markets. It also provides so-called payment services for the settlement of creditors on behalf of consumers and in this regard it interfaces with approximately 6,000 creditors, including all the major banks, finance companies, financial services companies and retailers.
We provide technology and management services in terms of the recognised legislation (such as the National Payment Systems Act; Banks Act, Financial Intelligence Centres Act, Financial Advisory & Intermediaries Act, National Credit Act, Consumer Protection Act, and the Electronic Transactions & Communications Act together with any banking legislative imperatives within the South African Banking System).
In terms of these Acts the main function of Capital is to receive and execute payment instructions, provide treasury management via a sponsor bank and management information reporting to its various clients. All of our card programmes operate a flow of funds model which is approved and is compliant with statutory banking legislation.
Hubwallet Card Solutions

3. Our Track Record Our Payment Solutions
We have BIN sponsorship with both Absa Bank Limited and First National Bank Limited. We are one of the largest pre-paid card issuers in the country and through these relationships provide both “open” and “closed” BIN solutions.
In 2011 we issued 165,000 Capital Money Cards as the payment method for all National Census workers and deployed these cards “in-hand” within a fourteen day period.
We issue both our own pre-paid card face (Capital Money Card) and various co-branded cards within our Visa BIN ranges. The following card faces are some of the cards under our various programmes.
Real People Card
Bridge Card
CashCloud
Farm Workers
POPCRU workers card
Medicard Medical Savings Card
Capital Money Card
Our Track Record

4. Our Platform Architecture
Our Processing Platform

5. Our Strategy & Opportunities
We have a proven technology which is integrated into two South African Banks:
Absa/Barclays – the largest bank in South Africa and;
First National Bank – the most innovative Bank in Africa.
This has allowed us to develop innovative products and services around our
Prepaid card offerings and which can be extended into the African market.
We can offer the following:
Salary cards to the un-banked and under-banked in Africa
Debt Rehabilitation cards
Payment cards linked to productivity
Payment cards linked to agricultural products i.e. tobacco floors, sugar farms etc.
Life improvement cards which are closed loop cards.
Merchant Restricted Cards
This presentation is the intellectual property of Capital Computer Software (Pty) Ltd and Hubwallet (Pty) Ltd © 2014

6. CAPITAL MONEY EMPLOYEE BENEFIT CARD SOLUTION
OUR VALUE PROPOSITION
ADVISORY & RELIEF COMPONENT
In DEBT
CAPITAL MONEY EMPLOYEE BENEFIT CARD SOLUTION
This presentation is the intellectual property of Capital Computer Software (Pty) Ltd and Hubwallet (Pty) Ltd © 2014

7. TRANSACTION FLOW Whole salary transferred onto card SALARY OFFICE
Cardholder’s salary is
protected against unauthorised debits
so employees have more disposable spend
Whole salary transferred
onto card
SALARY OFFICE
Lower cost banking
transactions and access to
lower cost finance.
This means more money
in the pay packet
We pay-over employees deductions
We save employees money
OPTION 1
Part of salary transferred
onto card, remainder into
normal bank account
The portion of money
put onto the card
can be used by
the cardholder.
This means more money
in the pay packet.
SALARY OFFICE
OPTION 2
This presentation is the intellectual property of Capital Computer Software (Pty) Ltd and Hubwallet (Pty) Ltd © 2014

8. CREDITOR PAYMENTS FROM BANK ACCOUNT
OUR STRATEGIC POSITIONING
SALARY
STATUTORY DEDUCTIONS
CAPITAL MONEY POSITIONING
CREDITOR PAYMENTS FROM BANK ACCOUNT
DISPOSABLE SPENDING
CONVENTIONAL POSITIONING
This presentation is the intellectual property of Capital Computer Software (Pty) Ltd and Hubwallet (Pty) Ltd © 2014

9. Thank You
End of Presentation

10. Contact Information
Contact Person