The JCC merchant portal received the following three (3) Gold Awards, reaffirming our commitment to innovation and outstanding customer service:

2.1 Best Customer Service Initiative B2B: Technological innovation in B2B customer service.
2.4 Best Use of Technologies in Customer Service: Innovative technological solutions in customer service.
4.2 Best Digital Customer Experience: Digital innovation for superior customer experience.

In addition, in collaboration with HS Data, we proudly received one of the two GRAND AWARDS, earning the title of Technology Partner of the Year — a distinction that recognises our strategic partnership and the technological excellence we deliver together.

The evaluation was conducted by the Boussias judging committee through their online system, based on the scoring of each nomination per category.

A heartfelt thank you and sincere congratulations to everyone who contributed to this tremendous success. This recognition belongs to all of us and is a testament to the exceptional work we deliver every day.

We continue with the same enthusiasm, unwavering dedication and even greater ambition for the future!

The post JCC Honored at the Cyprus Customer Excellence Awards 2024 appeared first on JCC Payment Systems Ltd.

Campaign Highlights:
• Open to all JCCsmart users with a registered Mastercard (locally or internationally issued).

• Pay your bills at Cablenet, Cyta, EAC, Epic or Primetel via JCCsmart to enter the draw.

• Each eligible payment counts as a separate entry. Newly registered Mastercards during the campaign period get double entries per transaction.

• 700 unique winners will be selected across three monthly draws.

• Each winner receives a refund equal to their winning transaction, up to €100, credited directly to their card.

Terms & Conditions:
For full eligibility criteria, prize details and general terms, please click [here].

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Campaign Highlights:
• Open to all active JCC merchants.
• Each business outlet must complete at least 100 cashback transactions during the campaign period to qualify.
• Eligible outlets will be entered into a draw to win one of ten €500 cash prizes.
• Winners will be selected and notified in November 2025, with prize payouts made directly to the merchant’s registered bank account.

Terms & Conditions:
For full eligibility criteria, prize details and general terms, please refer to the official campaign document.

The post Cashback incentive for merchants appeared first on JCC Payment Systems Ltd.

More specifically, JCCsmart was awarded in the following categories:
1.9 Best in Banking & Financial Services: For its comprehensive business transformation strategy through the effective use of technology in the financial sector.
4.1 E-Commerce Platforms: For the platform’s technological superiority and effectiveness in developing e-business applications and content management solutions.
4.4 Most Innovative Services in eCommerce: For its innovative services that enhance user experience and optimize the infrastructure of online stores.

The awards ceremony took place on Friday, May 29, 2025, in Nicosia, organized by Boussias Cyprus, and was attended by representatives of the Cypriot business community. The awards were received by JCC’s General Manager, Markos Shiarly, in the presence of company executives and numerous industry professionals.

In his speech, Mr. Shiarly emphasised that these distinctions recognise JCCsmart’s contribution to delivering comprehensive and reliable digital payment solutions both for businesses seeking efficiency and compliance and for individuals looking for convenience and security in their daily transactions. He also extended heartfelt thanks to JCC’s merchant partners, the consumers who actively support JCCsmart, as well as the company’s staff and collaborators for their role in the development and support of the new platform.

The Cyprus e-Biz Awards aim to highlight excellence in the field of e-commerce and digital business, rewarding organisations that leverage technology to deliver outstanding customer experiences. The evaluation was conducted by an independent panel of judges, consisting of experienced market professionals, academics and industry experts.

JCC continues its dynamic journey, investing in innovation and offering solutions that meet the needs of the modern digital era.

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Cyprus National Electronic Identity (eID) scheme has been recognised as a notified scheme at the highest level of Assurance (High LoA) in accordance with the eIDAS Regulation (EU 910/2014).

Cyprus with the IDMe.cy achieves mutual recognition of its electronic identification scheme across EU and JCC couldn’t be prouder as the only official Cyprus eID provider and one of the main contributors to this great achievement.

What is Electronic Identity (eID)?

“Electronic identity (eID)” is one of the tools to ensure secure access to online services and to carry out electronic transactions in a safer way with just a username, password and Citizen’s smartphone device.

In simple words, eID is the citizens’ identity in the digital world. It allows you to prove who you are online, just as you would with a physical ID in real life, for example to access public and private services, signing of documents with the highest security and legal validity.

What is a Notified eID Scheme?

Notified eID Scheme refers to an electronic identity that it is recognised and accepted by the other EU member states and meets eIDAS security and quality requirements.

After a thorough review process among Member States, a successfully notified eID scheme becomes mutually recognized, enabling a seamless and secure user experience in online, cross-border transactions, electronic signing of digital documents, as well as the potential for developing new electronic services.

What is a level of assurance?

The term “level of assurance” describes the extent of trust in an individual’s claimed identity, serving as an indicator of the accuracy and reliability of the Digital Identity.
In other words, it relates to the challenge of attempting to use another person’s eID to gain access to an online service.
The three levels of assurance are:
• Low
• Substantial
• High

The higher the level of assurance, the higher the trust and the lower the risk of fraud. Service providers need the eID used for authentication to meet a specific level of assurance, based on the sensitivity of the information they handle.

Cyprus eID and the other eID schemes

Cyprus Electronic Identity has achieved the High Level of Assurance. This means that Cypriot Citizens with a username, password and their smartphone device will be able to use their electronic identities to authenticate to service providers requiring any level of assurance.

This great achievement will enable numerous opportunities within the European Digital Single Market, as well as achieving a milestone in Cyprus’ eGovernment digital transformation.
The status of the Cyprus eID scheme can be found on the official EU list of notified schemes.

For further reference on how to request, generate & use Cyprus eID, visit our FAQ Site or watch our tutorial videos here.

What are the current applications of eID?

The Cyprus Electronic Identity shares dual functionality:
A. Local and Cross-border Authentication to Public Information Systems
Currently, Cypriot Citizens can use their eIDs to be authenticated to the Governmental Portal CYlogin and access services like tax filing, pension applications and land registry submissions.
Cyprus eIDAS node has been connected with 11 other EU Member States offering a secure cross-border authentication. Cypriot citizens and citizens from the 11 EU Member States can use their Electronic Identities to be authenticated in each country’s public services.

B. Digital Signing of Documents in Public & Private Sector
The electronic signature feature of the eID has already been integrated into the Governmental system “Ippodamos”, for the signing of documents such as building permits, construction permits and other property-related documents. In addition, Citizens can download a number of applications that are not digital services, complete and sign them electronically through the JCC’s Signing Portal and send them by email to the competent government services (list of these applications is located here).
Furthermore, Citizens can sign any document either personal either business, securely and easily through the JCC’s Signing Portal.

JCC’s contribution to this remarkable achievement

JCC as the only Qualified Trust Service Provider (QTSP) in Cyprus, started the journey of becoming an accredited by the Cyprus Government, Cyprus National eID Provider in 2021. In 2022, JCC officially became a Cyprus eID Provider and in March 2023 joined the journey towards the Cypriot Electronic Identity Scheme Notification. JCC with its technical and business expertise on the developed Cyprus eID solution, successfully contributed to the recognition of idme.cy as a High Level of Assurance scheme.

Sharing the vision of creating a more secure and efficient digital world for Cyprus by collaborating closely with government, businesses entities, and industry partners is a primary goal for JCC, as we believe this collaboration is key to shaping the future of digital trust services.

We are honoured to be part of the global advancement of digital trust and authentication. Together, we are working to build a more secure and seamless digital environment for everyone.

The post Shaping Cyprus’ digital future with Cyprus national electronic identity appeared first on JCC Payment Systems Ltd.

The new JCCsmart is here! With a fresh and user-friendly interface, Cyprus’s leading online payment portal now gives consumers full control and stands out as the smartest payment choice—making every transaction feel effortless.

Upgraded and fully modernized to meet every need, JCCsmart’s advanced features make it faster, simpler, and more direct than ever. Its goal remains clear: to stay at the top and become the user’s first choice for every transaction.

Numerous Advantages

The new JCCsmart platform offers a range of benefits tailored to today’s needs and expectations:

1. Easy Tracking of All Transactionsν: With the new platform, you can easily and quickly monitor all your transactions. Information is now accessible with a single click, giving you a complete overview of your financial activity. Through your saved cards, you can—if you wish—track transactions across the entire JCC payment network (including physical and online stores, as well as JCCsmart).

2. Payment Reminders: Stay informed and ready to manage your finances with reminders for upcoming payments.

3. Payments via Apple Pay & Google Pay:The new platform fully supports Apple Pay and Google Pay, allowing you to make secure and instant transactions using your mobile phone for even greater convenience.

4. Secure Biometric Login: With biometric login options such as fingerprint or facial recognition, your transactions are now safer than ever.

And the benefits don’t stop there.

5. Now Available as a Native App:JCCsmart is now available as a native app for iOS, Android, and Huawei devices, offering services through an improved and intelligent search engine.

6. Downloadable Receipts and Custom Reports:For every transaction, users can view and download a digital receipt. You can also export personalized reports (in various file formats) for any time period you choose.

The post The new JCCsmart is here! appeared first on JCC Payment Systems Ltd.

Πως μπορεί να πειστεί μια εταιρεία;

Η αλλαγή συνηθειών και πεποιθήσεων δεν είναι ποτέ εύκολη. Οι ηλεκτρονικές υπογραφές  δεν αποτελούν εξαίρεση. Υπάρχουν όμως μερικά χαρακτηριστικά και λόγοι που σίγουρα θα σας προβληματίσουν για τη σημασία των ηλεκτρονικών υπογραφών. Αν είστε από αυτούς που διστάζουν ή αν η εταιρεία σας εξακολουθεί να μην είναι διατεθειμένη να κάνει το βήμα παραπάνω, ρίξτε μια ματιά στους παρακάτω λόγους.

Υπολογίστε τις αυξημένες αποδόσεις από την επένδυση σας στην τεχνολογία ηλεκτρονικής υπογραφής

Κάθε εταιρεία ή άτομο σίγουρα θα σταθμίσει όλους τους παράγοντες πριν εφαρμόσει αλλαγές, συμπεριλαμβανομένων των τεχνολογικών αλλαγών. Το κύριο μέλημα είναι εάν η τεχνολογία ηλεκτρονικής υπογραφής μπορεί να προσφέρει μια αποδεκτή απόδοση επένδυσης (ROI). Ο τρόπος για να το υπολογίσετε είναι να συγκρίνετε τα χαρακτηριστικά των ηλεκτρονικών υπογραφών έναντι εκείνων  των χειρόγραφων (με μελάνη).

Αρχικά θα πρέπει να υπολογίσετε το κόστος της προμήθειας χαρτιού που χρειάζεται κάθε μήνα. Έπειτα υπολογίστε το κόστος εκτύπωσης, σάρωσης και αποστολής των εγγράφων. Τέλος, υπολογίστε τι σας κοστίζει η αποθήκευση και η αρχειοθέτηση των εγγράφων σας.

Μελέτη που διεξήχθη από την εταιρεία ερευνών Forrester κατέληξε στο συμπέρασμα ότι οι εταιρείες που στρέφονται σε ηλεκτρονικές υπογραφές  μπορούν να μειώσουν το διοικητικό κόστος της σύναψης συμφωνιών κατά 50%.

Επίσης, αξιοσημείωτες είναι και οι επιπτώσεις στο περιβάλλον από το χαρτί που παράγεται και διανέμεται. Σύμφωνα με μια πρόσφατη έρευνα στην Ευρώπη, ένας μέσος υπάλληλος γραφείου χρησιμοποιεί 10.000 εκτυπωμένες σελίδες ετησίως και η παραγωγή αυτού του χαρτιού παράγει σχεδόν 41 κιλά διοξειδίου του άνθρακα.

 Οι αναγνωρισμένες ηλεκτρονικές υπογραφές  είναι πιο ασφαλείς και αδιαμφισβήτητες

Ο δεύτερος λόγος για τη μετάβαση στις ηλεκτρονικές υπογραφές είναι η ενισχυμένη ασφάλεια που προσφέρουν. Οι αναγνωρισμένες ηλεκτρονικές υπογραφές  είναι πολύ πιο ασφαλείς σε σύγκριση με τις συμβατικές χειρόγραφες υπογραφές σε έντυπα έγγραφα.

Οι ηλεκτρονικές υπογραφές προσφέρουν πιστοποίηση της ταυτότητας του υπογράφοντος, σε αντίθεση με τις ιδιόχειρες υπογραφές όπου η πλαστογράφηση αποτελεί για τους επιτήδειους σχετικά εύκολη υπόθεση. Η δημιουργία μιας έγκυρης ηλεκτρονικής υπογραφής χωρίς την γνώση του ιδιωτικού κλειδιού θεωρείται πρακτικά αδύνατη. Για το λόγο αυτό οι αναγνωρισμένες ηλεκτρονικές υπογραφές αποτελούν έναν ασφαλέστερο τρόπο για την πιστοποίηση της ταυτότητας του υπογράφοντος, καθώς αν είμαστε σίγουροι ότι το δημόσιο κλειδί που χρησιμοποιούμε για την επαλήθευση μιας υπογραφής ανήκει σε συγκεκριμένο χρήστη, τότε η υπογραφή στα δεδομένα προέρχεται σίγουρα από τον συγκεκριμένο χρήστη.

Προστασία από τις μη εξουσιοδοτημένες μετατροπές των εγγράφων

Ο τρίτος λόγος σχετίζεται με την προστασία που προσφέρουν από πιθανές αλλοιώσεις των στοιχείων ενός εγγράφου. Συγκεκριμένα όταν υπογράφουμε ιδιοχείρως ένα έγγραφο γνωρίζουμε ότι, σε πολλές περιπτώσεις, είναι εφικτή η προσθήκη κάποιων δεδομένων ή/και η αλλοίωση των υφιστάμενων. Στην περίπτωση των ηλεκτρονικών υπογραφών αυτό είναι πρακτικά αδύνατο. Εάν υπογράψουμε ηλεκτρονικά, οποιαδήποτε αλλοίωση στα υπογεγραμμένα δεδομένα θα έχει ως αποτέλεσμα την ανίχνευση της κατά τη διαδικασία επαλήθευσης της υπογραφής. Ένας κακόβουλος χρήστης ο οποίος θέλει να αλλοιώσει ένα έγγραφο θα πρέπει να έχει στη διάθεση του τα δεδομένα δημιουργίας υπογραφής, δηλαδή το ιδιωτικό κλειδί του υπογράφοντος, προκειμένου να αλλάξει το έγγραφο και να το υπογράψει εκ νέου ώστε να μη γίνει αντιληπτή η ενέργεια του. Ως εκ τούτου, εάν ο κακόβουλος χρήστης δεν έχει το απαιτούμενο ιδιωτικό κλειδί δε θα μπορεί να αλλάξει τα δεδομένα του εγγράφου χωρίς αυτό να γίνει αντιληπτό.

Οι ηλεκτρονικές υπογραφές  μπορούν να αυξήσουν την ικανοποίηση των πελατών

Ο τέταρτος λόγος της μετάβασης είναι το ο θετικός αντίκτυπος που έχουν οι ηλεκτρονικές υπογραφές στο επίπεδο ικανοποίησης των πελατών καθώς παρέχουν καλύτερη εμπειρία καταναλωτή. Διάφοροι παράγοντες που κάνουν τις ηλεκτρονικές υπογραφές  καλύτερη εμπειρία συμπεριλαμβάνουν:

• Πρώτον, οι ηλεκτρονικές υπογραφές μπορούν να ελαχιστοποιήσουν τα ανθρώπινα λάθη κατά την υπογραφή σημαντικών εγγράφων. Τα λιγότερα σφάλματα τόσο από την πλευρά του πελάτη όσο και από την πλευρά της εταιρείας κάνουν τη διαδικασία εξυπηρέτησης να εκτελείται ομαλά και γρήγορα.
• Δεύτερον, χάρη στην ψηφιακή τεχνολογία, όλες οι διαδικασίες υπογραφής που χρησιμοποιούν ηλεκτρονικές υπογραφές μπορούν να ολοκληρωθούν σε λίγα δευτερόλεπτα. Αυτό περιλαμβάνει την υπογραφή εγγράφων από την εταιρεία ή τους συνεργάτες, ασχέτως από το γεγονός ότι πιθανόν να βρίσκονται σε διαφορετικές φυσικές τοποθεσίες.
• Τρίτον, όταν εσείς και η εταιρεία χρησιμοποιείτε ηλεκτρονικές υπογραφές , η φήμη της εταιρείας και η εμπιστοσύνη των καταναλωτών στην εταιρεία αυξάνονται. Οι καταναλωτές βλέπουν την εταιρεία ως καινοτόμο και προσηλωμένη στη συνεχή βελτίωση της εξυπηρέτησης των πελατών της.

Συμπέρασμα

Από την παραπάνω ανασκόπηση γίνεται εμφανές ότι η τεχνολογία ηλεκτρονικής υπογραφής προσφέρει μια ολοκληρωμένη και συμφέρουσα λύση τόσο για εσάς όσο και για την εταιρεία σας.

Εάν είστε έτοιμοι να κάνετε τη μετάβαση στις ηλεκτρονικές υπογραφές, μπορείτε να αιτηθείτε πιστοποιητικού ηλεκτρονικής υπογραφής για φυσικό ή για φυσικό πρόσωπο που συνδέεται με νομικό πρόσωπο από την τράπεζά σας ή από την JCC.

The post 4 compelling reasons for immediate transition to electronic signatures [GR] appeared first on JCC Payment Systems Ltd.

JCC Cashback is a service offered through JCC’s POS terminals, allowing cash withdrawal from the business’s cash register during the payment of goods and services with a debit card. POS terminals enabled with this service can essentially act as a complement to the ATM network, so that debit cardholders can withdraw cash amounts (up to €100) at locations convenient to them.

All categories of businesses can register for this service and offer their customers the ability to withdraw cash from their bank accounts, if they wish.
It is noted that Cashback can only be executed during a purchase transaction using a VISA or Mastercard debit card. The JCC POS terminal confirms the card’s compatibility and guides the user accordingly.

Businesses are not charged any fees for offering Cashback. When a customer requests Cashback, a fee is charged only for the purchase portion of the transaction and not for the cash withdrawal amount. In this way, cash management at the register is facilitated at no cost. At the same time, cardholders are not charged any fee when using this service. Their card is charged only for the amount of cash received.

JCC Payment Systems is committed to the immediate activation of existing or new merchants, without time-consuming procedures.

For more information and to register for the service, interested parties can visit the website.

Alternatively, they can contact JCC’s Customer Service Department at 22868000 or via email at customerservice@jcc.com.cy.

The post Cash withdrawals at the Point of Sale appeared first on JCC Payment Systems Ltd.

What changes with the new version? The automatic installation of the updated service on JCC’s POS terminals has already commenced and is expected to be completed shortly. After the update, the deposits in your bank account will be split into a single deposit for transactions conducted in Euro and a single deposit for transactions conducted in any of the DCC currencies. Furthermore, a detailed statement of transactions per currency will become available in electronic format in order to better monitor the service offering.

What is DCC? The DCC service enables your international customers to pay the total amount due directly in the currency of their card. Specifically during the transaction your POS terminal identifies the card’s currency and automatically suggests payment through DCC. This means that customers can choose which currency to pay in by pressing a button. The Euro amount, conversion rate and billing currency amount are all shown on the receipt.

What currencies are supported? A complete list of supported currencies can be found under the service’s webpage.

What are your benefits? • 1% rebate on every DCC transaction (in Euro) • Exchange rate updated daily • Exchange rate guarantee for the cardholder • 47 leading currencies available for DCC • No additional effort required – same payment process applies

 What are the benefits for your international customers? • Exchange rate guarantee – builds confidence in DCC • Cardholder can pay in the card’s billing currency • Transparency – your customers immediately see on the POS terminal the amount they will actually pay in their card’s billing currency avoiding any hidden fees

*Important: The most critical concept in offering DCC is that the customer must be offered the choice of currency to pay and the customer must be able to actively choose the currency. This means that DCC cannot be offered as a default (including the use of any language or procedure that may cause the customer to choose DCC by default) nor as an “opt-out” option.

The post JCC’s DCC service now supports 47 currencies! appeared first on JCC Payment Systems Ltd.

• The Fintech Times
• Fintech Finance
• Finextra
• IBS Intelligence
• Financial IT
• AiThority 
• Global Fintech Series

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