Welcome Real-time S.A. provides card marketing enhancements for cardholders, retailers, and financial institutions. It offers XLS, a suite of software products, which adds enhancements to EMV cards and terminals, and EMV compliant payment authorization and processing systems. The company‘s XLS solutions include XLS server, which adds enhanced EMV to a bank's payment authorization and processing system, and includes a payment configurator, terminal administrator, and post-issuance data update scripting engine; and XLS POS that includes software libraries used by POS developers to create payment applications, and a management engine that manages risk through floor limit checking, random transaction selection, and velocity checking services. Its solutions also include XLS card, which offers personalization specifications and card applets used to add enhanced payment parameters and data next to EMV risk parameters, and provides a communication tool for card issuers and merchants. The company provides CardCare that provides card activity reporting and a view of each card's contents and recreated using transaction data to facilitate cardholder services, such as card replacements and cardholder inquiries through the bank's Web site or call centre; and allows XLS server to interface with the bank's card management system, call centre, home banking, and statement systems through various Web services. It also provides MerchantCare, which provides the bank's merchant services with merchant activity reporting and a view of each merchant's transaction activity and enhanced payment parameter settings; and allows XLS server to interface with the bank's merchant call centre and billing and reporting systems through various Web services. The company was founded in 1996 and is headquartered in Aix-en-Province, France with additional offices in Singapore, London, Milan, Paris, Shanghai, Madrid, Miami, and Sao Paulo. Welcome Real-time S.A. is a former subsidiary of High Co. SA.