Business & Technology
Gamma targets small firms with PCI payment security
Gamma has outlined a sales push for PCI payment security tools aimed at small and medium-sized businesses that take card payments by phone, arguing the market extends far beyond large insurers and financial groups.
In a podcast discussion, Gamma executives made the case for tighter controls around telephone payments. They argued that smaller firms are often exposed to fraud, chargebacks and compliance risks without fully recognising the issue as PCI-related.
Andy Herring, Commercial and Strategy Product Manager at Gamma, and Ed Savory, Channel Head for the South East at Gamma, focused much of the discussion on the impact on small businesses rather than the large corporates that have traditionally dominated compliance conversations.
Savory cited UK card fraud losses of more than GBP £572 million and said the direct effect on smaller merchants can be severe when disputed transactions lead to chargebacks.
“Chargebacks happen when a transaction is questioned by the cardholder, whether because of suspected fraud or because they believe they were charged the wrong amount,” Savory said. “That starts a process that usually ends with the customer seeking a refund. For a small business, a few chargebacks a month can have a significant impact. The average cost is between sixty pounds and sixty-five pounds per chargeback, and that is before you add the time spent dealing with queries, complaints, banks and providers. It quickly becomes a major issue for small businesses.”
Herring said customer discussions often need to move away from fear of fines and towards the immediate commercial effects of taking card details incorrectly over the phone. He added that one of the sharpest risks for a small firm is the possibility of losing access to merchant services if it fails to comply.
According to the executives, any business that accepts credit card payments by phone could fall within scope, regardless of size. They pointed to sectors including retail, hospitality, automotive services, florists, takeaways, garages, dentists and skip hire firms as examples of businesses that may still rely on informal payment handling.
Broad market
Savory said many firms still ask customers to read card numbers aloud, repeat them back or trust staff not to write them down. He argued that such habits remain common across the high street and in service businesses despite the risks.
He added that the impact of chargebacks and related costs can be greater for a small florist with two or three staff than for a large corporation.
That point underpins Gamma’s pitch to channel partners. Rather than treating PCI as a specialist issue limited to heavily regulated sectors, the company wants resellers to see it as a broader cross-sell opportunity within their existing unified communications customer base.
Herring said businesses that already buy communications services may be easier to approach on payment security because the supplier relationship is already in place. Savory added that this can help partners present themselves as trusted advisers rather than focusing only on price or contract renewal.
Product detail
The pair also described how Gamma’s iPECS-based PCI offer is structured. Herring said the company uses a per-user monthly pricing model, in contrast to rival offers that can include setup charges running into four figures as well as transaction fees.
He also described a LinkPay option for customers that prefer to send a payment link by SMS, email or WhatsApp instead of taking card details verbally during a call. The option is aimed at businesses such as builders’ merchants and garages, where payment may be made after a booking or service call.
For live telephone payments, Herring said the system uses a dedicated PCI trunk and a four-digit code to start a secure transaction. Keypad tones are stripped from the call data so they do not appear in recordings, while the agent sees only limited masked card information through a portal.
That matters for businesses that need to record calls for compliance or operational reasons. Herring said the system also injects silence into the call while card numbers are entered, preventing spoken digits from being captured if a customer reads them out from habit.
Savory said the system works with major payment service providers in the UK. Herring put the current total at thirteen or fourteen and said additional providers can be added where needed.
The two men repeatedly returned to the economics for smaller firms, framing the offer as a fixed monthly cost against the unpredictable cost of disputed payments and internal admin time. Savory said businesses across the high street, from florists and hairdressers to dentists, need services like this. He described it as a form of insurance that helps protect against chargebacks and fraud, supports compliance and reduces risk for a manageable fixed fee.
Business & Technology
Cala Homes visit teaches St Edburg’s to teach site safety
Cala Homes Chiltern visited St Edburg’s CE Primary School as part of its Stay Safe, Stay Away programme to raise awareness among children about the dangers of construction sites.
The visit formed part of the school’s Careers Week and included an interactive talk on jobs in the homebuilding industry, along with a strong warning about the hazards of unsupervised entry onto building sites.
Fiona Mowbray, customer services director at Cala Chiltern, said: “The Stay Safe, Stay Away programme is designed to spread the message to children that construction sites are not somewhere to play around.
“Although we ensure all Cala sites are secure, young people must be aware of the dangers of entering a construction area, so they don’t put themselves or their friends in harm’s way.”
Ms Mowbray also gave pupils an insight into how Cala works to keep its nearby Himley Village development safe, while children took part in practical activities and tried on protective clothing.
The programme, part of Cala Homes’ wider Community Pledge, also included classroom tasks such as designing safety posters and writing news articles.
Tina Woodgate, Year 5 teacher and computing lead at St Edburg’s, said: “We’re grateful to Cala Homes for coming into school and delivering a really interesting session on site safety and careers in construction as part of our Career’s Week.
“The children gained valuable insights into the various roles within the construction industry and they came away inspired.”
Business & Technology
Stagecoach West appoints new managing director Martin Gibbon
Martin Gibbon takes on the role covering operations across Gloucestershire, Oxfordshire, Herefordshire, Swindon, and Wiltshire.
He returns to the region after previously serving as operations director from 2019 to 2023.
Most recently, Mr Gibbon was managing director of Stagecoach South Wales and also served as chair of CPT (The Confederation of Public Transport) Wales.
Mr Gibbon said: “My focus will be on continuing to grow bus use by delivering reliable, high-quality services that people want to choose.
“I’ve seen first-hand how good public transport can transform opportunities for people, and that’s what motivates me to keep improving it.
“I’ve always been motivated by roles that make a real difference to people’s daily lives.
“Public transport is one of the few industries where you can see that impact immediately — connecting communities, supporting local economies and helping people access work, education and essential services.
“It also plays a vital role in improving social inclusion and delivering meaningful environmental benefits.
“You can expect openness, partnership and a genuine commitment to making your local bus services the best they can be.”
Mr Gibbon began his career with Stagecoach in 2011 and has since held a variety of operational and leadership roles across the South of England, including the West, Oxfordshire, and Wales.
Sam Greer, chief operating officer at Stagecoach Group Limited, said: “Martin brings real passion for our industry, strong leadership, and deep operational expertise.
“Importantly, he brings a transparency and genuine care for our local communities that really reflects what we mean when we say ‘We’ve got you’.
“I’m proud of this appointment and confident he will continue to strengthen the trust our customers place in us and deliver for the communities we serve across the region.”
Stagecoach, founded in 1980, is the UK’s largest bus and coach operator, with a fleet of 8,300 vehicles connecting over 100 major towns and cities across England, Scotland, and Wales.
The company employs 25,000 people and is deeply rooted in the communities it serves, aiming to make everyday journeys simpler, greener, and more reliable.
Stagecoach works with partners to promote greener, smarter, and more inclusive transport.
This helps reduce congestion, lower emissions, and support local economies.
The company continues to invest in sustainability, with more than 15 per cent of its fleet now electric.
As part of its sustainability strategy, Stagecoach has committed to donating up to 0.5 per cent of its annual profit before tax to charitable causes across the UK.
Business & Technology
Tech firm celebrates 16 years in business in Witney
Witney-based digital agency Olamalu, founded in 2010 by husband-and-wife team Kate Berman and Christoph Corvin. , has grown into an award-winning company supporting organisations across Oxfordshire and beyond.
Reflecting on the milestone, co-founder Kate Berman said: “Reaching 16 years in business is a huge moment for us and one we’re incredibly proud of.
“When we started Olamalu, we wanted to create a business that delivered brilliant technical solutions but also genuinely cared about people – from our clients and team to the wider community around us.”
Built on values of creativity and community, the company has expanded its reach while remaining committed to its original mission.
Olamalu has gained particular recognition for its support of the Oxfordshire community and its investment in youth.
It runs an apprenticeship scheme aimed at helping young people build careers in technology without needing to relocate to bigger cities.
In 2024, the company was named SME Apprentice Employer of the Year in the South East regional finals and was highly commended nationally.
Niall Middleton, software developer team leader and former apprentice, said: “My skills grew and grew as I went through my apprenticeship and now I’m at a place where I’m proud to say that I can tackle complex software development projects and develop the skills of our newer apprentices.
“I want to give back to this company after what they’ve given me: a chance to stretch myself, grow and learn these new skills.
“I want to feed that back into the business and be one of the driving forces of Olamalu’s growth.”
The business also supports charities including Homeless Oxfordshire, MyVision Oxfordshire, Oxfordshire Community Foundation, Cogges Heritage Trust, and Wychwood Forest Trust.
Its team runs school coding clubs, attends careers events, and offers work experience to students interested in tech.
Ms Berman said: “Helping young people into careers in tech and building long-lasting relationships has always been just as important to us as the work itself.
“Looking back over the last 16 years, we’re incredibly grateful for the support we’ve received and excited about what comes next.”
Olamalu’s commitment to the community has been recognised by clients such as Cogges Manor Farm.
Guy Reed, general manager at Cogges, said: “Cogges Manor Farm were one of Olamalu’s first customers.
“As a small, independent heritage charity, our website is the heartbeat of our business.
“We’ve just launched a brand-new site which Olamalu developed, and it’s made a difference to us already.
“We’re grateful for the 16 years of support and wish Olamalu a very happy birthday.”
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