Discover® Network Certifies ViVOtech Solutions for Contactless Payments

Discover® Network Certifies ViVOtech Solutions for Contactless Payments

ViVOtech readers first to be certified to support Discover Network contactless payment platform worldwide

RIVERWOODS, Ill., August 2, 2006–Discover® Network, a business unit of Discover Financial Services and Morgan Stanley (NYSE:MS), today announced that it has certified several ViVOtech readers, including ViVOpay 4000 and ViVOpay 3000 for use with Discover Network’s contactless payment application. These ViVOtech technologies are the first readers approved for use with Discover’s fast, secure and simple contactless payment platform.

“ViVOtech’s solutions meet our rigorous standards for security, reliability and ease of use,” said Joby Orlowsky, vice president of marketing for Discover Network. “This certification brings us one step closer to providing our customers with even greater convenience and simplicity through Discover Network’s contactless payments solution.”

By certifying these products, Discover Network ensures that its proprietary contactless payment solution is interoperable with ViVOtech’s reader technology. Contactless payment transactions utilize radio frequency (RF), enabling customers to simply wave their bankcard, key tag or other form of payment that contains RF capability, in front of an RF reader to pay for their purchases. The ViVOpay 4000 and the ViVOpay 3000 readers allow for quick transactions in a variety of retail counter environments with the wave of a card.

“Discover Network’s certification of multiple ViVOtech solutions shows that momentum is building quickly in the contactless payments market,” said Michael Mullagh, CEO of ViVOtech. “Discover Network’s certification of ViVOtech’s technology assures retailers that they are buying a product that raises the bar in usability, performance, and security–and one that can be used with a payment brand that is already embraced by their customers.”

In addition to providing consumers with unparalleled convenience, contactless payment methods offer multiple merchant benefits. They allow retailers to move more customers through checkout lines in less time, resulting in transaction volume increases of up to 12 percent. And, a recent study showed that contactless payment helps increase average transaction size by up to 30 percent compared to cash spending.

About Discover Network and Discover Financial Services

Discover Financial Services LLC, a business unit of Morgan Stanley (NYSE:MS), operates the Discover Card with more than 50 million Cardmembers, and the Discover Network, which is the largest proprietary credit card network in the U.S. with more than 4 million merchant and cash access locations. Discover Financial Services also operates the PULSE ATM/debit network, which serves more than 4,200 financial institutions and includes nearly 250,000 ATMs and approximately 3.4 million POS terminals. For more information, visit, or

About ViVOtech

ViVOtech ( is the market leader in contactless/NFC payment software, transaction management systems and readers. These solutions allow consumers to make contactless payments with radio frequency-enabled credit cards, debit cards, key fobs, and NFC enabled mobile phones. ViVOtech’s products can be found at some of the most prominent retailers in the United States. With more than 175,000 units shipped, and installed in 16 various countries, ViVOtech’s products are being used by movie theaters, fast food restaurants (QSR), casual dining establishments, convenience stores, gas stations, drug stores, grocery and vending machine locations enabling them to accept contactless/NFC payments.


Leslie Sutton
Discover Financial Services LLC
(224) 405-3965