Target Group

Payments Platform

Our payment solutions accommodate collection of regular or sporadic payments. Our offering facilitates Debit and Credit Card payments, Direct Debit mandates and Direct Credit transactions through BACS. Our system functionality integrates into online-portals, third-party services and contact centres. Our robust, scalable solution is hosted and supported across enterprise-class, high-availability infrastructure.

Features

  • Modular Debit and Credit Card, and Direct Debit payments solution
  • Payments processing systems including application, account management, reminder/renewal management
  • Customer interaction available online anytime and via Point-of-Sale
  • Deployed as a standalone solution or integrated into wider technologies
  • Ability to integrate with contact centre and third-party providers
  • Automated customer notification and auto-renewal capability
  • Client bank account reconciliation and management information services
  • 24x7 system availability and resilience, hosted onshore in the UK
  • Accredited by BACS as "excellent" for solution and service
  • Systems accredited to ISO27001:2013 and Cyber Essentials Plus

Benefits

  • Facilitates payment channel shift to ‘digital-by-default’ customer experience
  • Enables payment transactions and services out of contact centre hours
  • Encourages customers to transact online, further reducing costs
  • Drives cost reduction through proven automated functionality
  • Flexible solution can be adapted to current processes
  • Improved customer engagement through auto-notification and auto-renewal processes
  • Reduced risk through provision of robust and scalable solution
  • Reduces paper-based transactions; limiting data protection/GDPR risk
  • Streamline administrative processes to optimise your operational efficiency

Pricing

£500 to £900 a user a month

Service documents

Request an accessible format
If you use assistive technology (such as a screen reader) and need versions of these documents in a more accessible format, email the supplier at bid@targetgroup.com. Tell them what format you need. It will help if you say what assistive technology you use.

Framework

G-Cloud 12

Service ID

4 7 9 0 9 0 3 0 6 1 7 3 7 0 7

Contact

Target Group Solutions Team
Telephone: 0845 650 6200
Email: bid@targetgroup.com

Service scope

Service constraints
No constraints
System requirements
Client to ensure correct browser is in use.

User support

Email or online ticketing support
Email or online ticketing
Support response times
Responses are provided within individual SLAs agreed with the client.
User can manage status and priority of support tickets
No
Phone support
Yes
Phone support availability
24 hours, 7 days a week
Web chat support
Yes, at an extra cost
Web chat support availability
24 hours, 7 days a week
Web chat support accessibility standard
None or don’t know
How the web chat support is accessible
Where web chat is requireed we will work with the client to determine which standard must be met.
Web chat accessibility testing
Undertaken on a client by client basis depending upon requirements
Onsite support
No
Support levels
Target offer a 24/7 IT Service Desk as standard and are able to provide additional, value add services such as Technical Account Manager and dedicated technical resource on a case by case basis. Target is a flexibile organisation that works with it's clients to meet their requirements and agree the most commercial mechanism.
Support available to third parties
Yes

Onboarding and offboarding

Getting started
Target’s standard training approach is to “Train the Trainer” which falls into three broad areas.
• Configuration Training deals with how to set up the system to perform as required by the client. Such configuration is typically carried out by a Business Support function at the client.

• Systems Administration Training covers items such as document, user, and interface management. Systems Administration is likely to be carried out by IT staff. As hosted service (IT Managed Service) option will minimise the requirement for Systems Administration.

• User Training covers all the operational functions of the systems. In general, our clients prefer to follow the “Train the Trainer” model, rather than have Target train all their users. This approach allows clients to tailor their training to their own particular business processes.

Training costs are typically built in to the solution pricing.
Service documentation
Yes
Documentation formats
  • HTML
  • ODF
  • PDF
  • Other
Other documentation formats
  • Word
  • Excel
  • Powerpoint
End-of-contract data extraction
We have a formal process in place for data extraction at the end of a contract which includes data migration, project management, legal requirements (eg GDPR requirements)
End-of-contract process
The provision of data in Target's prescribed format to the client / new 3rd party acting on behalf of the client is included within the price of the contract.

In addition, any decommissioning of data, and associated hardware infrastructure would take place at the agreed time and is included within the price of the contract.

Any requirement for additional services from Target such as Legal, Commercial, Project Management, extraction of data in a non-standard format and provision of guidance in relation to the extracted data would be agreed when Target is made aware of the desire to move the portfolio data to another supplier. Target would look to recover the cost of these additional services.

Using the service

Web browser interface
Yes
Using the web interface
The web unified user interface provides a single point of access to mission critical applications. It can produce a single customer view across multiple applications which reduces risk and increases productivity.
The web interface provides users with an intuitive single-click workspace that provides access to:
• All customer and account related information (based upon user role and mandate)
• Update functions to amend customer and account information
• Inbound and outbound documents
As the user interface is browser based, it reduces training time and cost ensuring users are fully productive as early as possible.
The presentation layer is highly configurable, providing configuration options for tabs, data content, tables, buttons, pop-ups, entity search, third party product links, and database connectivity. The presentation and permissions can be tailored by job role, allowing the look and feel of the web interface to be tailored to the role of the user.
The web interface provides access to the Account Management solution to support all aspects of the Customer lifecycle post completion. Access to the customer and account based functions is sanction controlled to ensure only authorised users can make requests or amend the account details (e.g. interest rate, bank account details, repayment dates).
Web interface accessibility standard
None or don’t know
How the web interface is accessible
The web interface is accessible via HTTPS. Target can host the solution out if it’s data centres within the UK. The multiple Target Data Centres provide resilience and security for its client’s hosted systems and data. Having two data centres, the primary in Cardiff and the secondary in Newport, provides site replication for DR situations. The Data Centres are connected by resilient, high availability and high-speed communication links. Both Data centres have uninterrupted power supplies, generator backup and are fully air conditioned. Fire suppression facilities are also installed at both sites.
WAN Connectivity to the solution can be provided by Target’s Business Partner allowing for protection against such incidents as Distributed Denial of Service Attacks (DDoS). Within the datacentres High Availability Routing and diverse connectivity provides protection against loss of Internet connectivity. High availability firewalls protect against hardware failure whilst also protecting against malicious intent. High availability network switching protects against hardware failure at the network level.
Web interface accessibility testing
N/A
API
Yes
What users can and can't do using the API
Target have some standard API's to allow access to some standard features. The majority of Target's clients are be spoke and therefore any API's that are developed are bespoke.
API automation tools
Other
Other API automation tools
N/A
API documentation
Yes
API documentation formats
PDF
Command line interface
Yes
Command line interface compatibility
Other
Using the command line interface
IBM OS 400 - functionality is provided on a case by case basis, depending on client requirements.

Scaling

Scaling available
Yes
Scaling type
Automatic
Independence of resources
Ring-fenced resource allocated on a client by client basis.
Usage notifications
Yes
Usage reporting
Other

Analytics

Infrastructure or application metrics
No

Resellers

Supplier type
Not a reseller

Staff security

Staff security clearance
Other security clearance
Government security clearance
Up to Baseline Personnel Security Standard (BPSS)

Asset protection

Knowledge of data storage and processing locations
Yes
Data storage and processing locations
United Kingdom
User control over data storage and processing locations
Yes
Datacentre security standards
Complies with a recognised standard (for example CSA CCM version 3.0)
Penetration testing frequency
At least once a year
Penetration testing approach
‘IT Health Check’ performed by a CHECK service provider
Protecting data at rest
  • Physical access control, complying with SSAE-16 / ISAE 3402
  • Physical access control, complying with another standard
  • Encryption of all physical media
Data sanitisation process
Yes
Data sanitisation type
Deleted data can’t be directly accessed
Equipment disposal approach
A third-party destruction service

Backup and recovery

Backup and recovery
Yes
What’s backed up
End-to-end Managed Service Platform
Backup controls
This is defined as part of the Managed Service offering and is built to client requirements.
Datacentre setup
Multiple datacentres with disaster recovery
Scheduling backups
Supplier controls the whole backup schedule
Backup recovery
Users contact the support team

Data-in-transit protection

Data protection between buyer and supplier networks
  • Private network or public sector network
  • TLS (version 1.2 or above)
  • IPsec or TLS VPN gateway
Data protection within supplier network
  • TLS (version 1.2 or above)
  • IPsec or TLS VPN gateway

Availability and resilience

Guaranteed availability
We provide 99.5% availability, which is our general SLA. However, we will meet customer requirements should these differ
Approach to resilience
We provide 99.5% availability, which is our general SLA. However, we will meet customer requirements should these differ
Outage reporting
We provide email alerts to inform customers of any service outages.

Identity and authentication

User authentication
  • 2-factor authentication
  • Dedicated link (for example VPN)
  • Username or password
Access restrictions in management interfaces and support channels
We adopt a privelige based management approach for all access to all interfaces.
Access restriction testing frequency
At least every 6 months
Management access authentication
  • 2-factor authentication
  • Public key authentication (including by TLS client certificate)
  • Dedicated link (for example VPN)
  • Username or password
Devices users manage the service through
Dedicated device on a segregated network (providers own provision)

Audit information for users

Access to user activity audit information
Users receive audit information on a regular basis
How long user audit data is stored for
At least 12 months
Access to supplier activity audit information
Users receive audit information on a regular basis
How long supplier audit data is stored for
At least 12 months
How long system logs are stored for
At least 12 months

Standards and certifications

ISO/IEC 27001 certification
Yes
Who accredited the ISO/IEC 27001
BSI
ISO/IEC 27001 accreditation date
06/04/2006
What the ISO/IEC 27001 doesn’t cover
Applications, design, development, testing, deployment and operation are not part of our current ISO 27001 scope
ISO 28000:2007 certification
No
CSA STAR certification
No
PCI certification
Yes
Who accredited the PCI DSS certification
NTT Security Ltd
PCI DSS accreditation date
12/09/2016
What the PCI DSS doesn’t cover
Corporate Sales, Professional Consulting Services
Other security certifications
No

Security governance

Named board-level person responsible for service security
Yes
Security governance certified
Yes
Security governance standards
ISO/IEC 27001
Information security policies and processes
The Group Compliance Director holds executive responsibility for Information Security at Target, includes reporting on Information Security topics and issues to the Management Risk Committee (MRC), Executive Committee (ExCo) and the Board. The CISO is responsible for: • Developing and delivering Target’s Information Security strategy and policies • Ensuring and ratifying that agreed security controls are in place and effective • Managing Information Security audits (external, client and internal) • Ensuring good awareness of Information Security issues across Target • Maintaining IT related risks and escalating to the appropriate risk committee • Reporting on Information Security topics and issues to the Chief Security Officer • Assisting on presenting Information Security topics and issues to the ExCo, MRC and the Board The Information Security team is led by the CISO and consists of Information Security specialists and contribute to the delivery of Target’s Information Security practices, as directed by the CISO. All Information Security incidents, are reported to Risk in accordance with the Breach and Event Management Process. In the case of personal data breaches, this includes recommending to Target’s DPO if it should be reported to the relevant authorities). All communication and contact with any regulatory is conducted through Compliance.

Operational security

Configuration and change management standard
Conforms to a recognised standard, for example CSA CCM v3.0 or SSAE-16 / ISAE 3402
Configuration and change management approach
All Change is managed through a formal Change Management procedure. Changes are assessed for impact by a number of approvers including the Information Security Manager.
Vulnerability management type
Conforms to a recognised standard, for example CSA CCM v3.0 or SSAE-16 / ISAE 3402
Vulnerability management approach
Target are a member of CISP. Target deploys an anti-virus solution across all its platforms. Target uses an Intrusion Protection System. Target uses HEAT for the deployment of patches within 30 days of release (unless critical, and we will then implement as quickly as possible.)
Protective monitoring type
Conforms to a recognised standard, for example CSA CCM v3.0 or SSAE-16 / ISAE 3402
Protective monitoring approach
Target has Intrusion Protection systems in place as part of its firewall suite. We have various alerting systems in place as part of the above, so that we are made aware if an incident occurs. We respond to incidents through our 24/7 Command Centre. This is support by On-Call support. Incidents are responded to based on the threat perception.
Incident management type
Conforms to a recognised standard, for example, CSA CCM v3.0 or ISO/IEC 27035:2011 or SSAE-16 / ISAE 3402
Incident management approach
We have an Incident Management process in place which is deployed across the business. An Incident Manager is in situe who manages all incidents as and when they occur. All incidents are recorded within our system and a report is generated from that system.

Secure development

Approach to secure software development best practice
Supplier-defined process

Separation between users

Virtualisation technology used to keep applications and users sharing the same infrastructure apart
Yes
Who implements virtualisation
Supplier
Virtualisation technologies used
VMware
How shared infrastructure is kept separate
IBM - LPAR

Energy efficiency

Energy-efficient datacentres
No

Pricing

Price
£500 to £900 a user a month
Discount for educational organisations
No
Free trial available
No

Service documents

Request an accessible format
If you use assistive technology (such as a screen reader) and need versions of these documents in a more accessible format, email the supplier at bid@targetgroup.com. Tell them what format you need. It will help if you say what assistive technology you use.