buyer guide

PSP BUYER‘S GUIDE 2010 INSIGHTS IN THE WORLDWIDE ONLINE PSP MARKET

OVER

250 PSPs WORLDWIDE

INSIDE

‘A solid reference for web merchants and payment professionals, both visually appealing and deeply informative’

Chiel Liezenberg, Partner Innopay

PSP BUYER‘S GUIDE 2010 INSIGHTS IN THE WORLDWIDE ONLINE PSP MARKET

Authors

The Paypers

Release

Version 1.0

September 2010

Copyright © The Paypers BV

All rights reserved

PSP BUYER‘S GUIDE 2010

4

WIRECARD

Wirecard AG is one of the world's leading technology and service companies in the fields of

electronic payments, risk management and banking services. Today the Wirecard Group provides

more than 11,000 businesses in various sectors of the economy with intelligent solutions from a

single source. Wirecard AG is listed on the Frankfurt Securities Exchange (TecDAX, ISIN

DE0007472060, WDI).

Solutions and products for business customers

We offer our customers the means for acceptance of a wide range of national and international payment

methods. A large number of complementary products and solutions focusing on risk management ensure

extensive protection against payment defaults. The core of the Wirecard portfolio of services is a platform

combining all distribution channels via a common interface, resulting in advantages in terms of cost and

processing effort for the customer. Outsourcing their financial processes allows our customers to focus on

the main game: running their own businesses.

To be able to meet industry and customer-specific requirements, Wirecard AG offers flexible approaches

to solutions. The industry solutions currently available for the consumer goods, tourism and airlines

sectors as well as for digital goods are based on our holistically integrated and bundled product lines. By

entering into partnerships with industry-specific service providers such as Amadeus, SITA, Accelya,

Experian and evelopment, we are able to provide real ―end-to-end‖ industry solutions that are capable of

supporting downstream business processes with interfaces to the ERP/merchandise

management/logistics/debtor management or accounting systems of our customers. In addition, we also

supply standardized sector-independent shop systems solutions. Electronic payment processing is

backed by customized risk management tools. Banking services like credit card acceptance or dedicated

currency management complement the outsourcing of such financial processes. Additional products for

point-of-sale and call-center services are rounding off the range of solutions from a single source.

Supplementary banking services

Wirecard Bank, part of the Wirecard Group, offers innovative products and services for corporate

banking. These include business and currency accounts as well as the allocation of credit card

acceptance agreements and the issuing of payment cards within the scope of cobranding and customer

loyalty projects (prepaid or co-branded cards).

To be able to accept payments by credit card, the merchant requires a credit card acceptance agreement

from a bank licensed by the credit card organization (known as an acquiring bank). As a Principal

Member of Visa and MasterCard and a full member of the largest Asian credit card organization JCB

International (Japan Credit Bureau), Wirecard Bank is licensed to conclude credit card

acceptance agreements. The company is licensed acquirer for the credit cards Diners

Club® and Discover and operates as a credit card acquirer with more than 100 transaction

currencies and 15 payout currencies in more than 69 countries around the world.

Moreover, the Wirecard Bank‘s membership of SWIFT (Society for Worldwide Interbank

Financial Telecommunication) enables it to provide its business customers operating with

a global reach a large number of supplementary services in the field of foreign payment

transactions and forex management services. Through its membership in MasterCard and

Visa, Wirecard Bank also holds the licenses required for issuing cards (Issuing Bank).

www.wirecard.com | www.wirecardbank.de | www.mywirecard.com


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6

INTRODUCTION

You are reading the PSP Buyer‘s Guide 2010, the most complete and up-to-date reference source

for online PSP-related information at global level.

The PSP Buyer‘s Guide 2010 provides state-of-the-art information on over 250 online Payment

Service Providers (PSPs) all over the world. Think of it as the ultimate information gateway on

online payment services providers worldwide – a reliable, well-documented initiative designed to

function as a one-stop-shop for a wealth of information concerning PSPs. Whether your purpose is

to select the one payment services provider that best suits your needs, compare two PSPs in order

to make an informed choice or simply stay up to date with the latest market capabilities in the field,

the PSP Buyer‘s Guide 2010 offers everything you need – and then some more!

The industry need for a centralized source of information on payment services providers became

apparent by the huge amount of interest generated by the comprehensive and ever expanding PSP

listings, which we started as part of our ‗Online payments 20xx‘ reports. From some 20 (mainly)

European online PSPs, The Paypers have now taken this list to a whole new level with their

initiative. The result is this PSP Buyer‘s Guide 2010 - a greatly improved and expanded version,

conceived as an independent project and ideally positioned to consolidate the wealth of data

provided by all listed companies and make it available to the global market.

The market for e-commerce is rapidly evolving and intensely competitive worldwide and the

potential for continued expansion in this sector is vast. Many different payment systems have

emerged for online merchants. E-commerce payment systems include traditional credit/debit cards,

but also other technologies, such as digital wallets, e-cash, mobile payment and e-checks. Another

form of payment system is allowing a third-party company to complete the online transaction.

These companies are called Payment Service Providers (PSP). A PSP provides online merchants

with services for accepting electronic payments by a variety of payment methods, specifically

tailored for the merchant`s business needs. Each PSP has its own fraud protection measures,

charges its own costs, offers a specific list of payment options and provides access to a certain e-

commerce instruments. Some PSPs are specific to a certain country and some are global.

The development of alternative payment methods has been interpreted by industry observers as a

response to the drawbacks associated with a credit card transaction. Lower credit limits, higher

fees, greater perceived security, interest rate growths and debt-related fears are among the main

factors which shifted online consumers' attention towards these alternatives.

In some regions, especially in the US, less costly alternative (non-credit card) payment methods

such as PayPal, Google Checkout and Bill Me Later are gaining significant market share previously

enjoyed by various players in the credit card industry. According to Javelin, non-card based

payments accounted for around 10% of the estimated USD148 billion US consumer online

shopping market in 2008. Bank-issued credit cards accounted for 55%, debit cards 27%, retailer-

issued store cards 4%, and prepaid/gift cards 4%, the Javelin report suggests. In the US, internet-

based financial services no longer constitute a novelty, accessible only to high-end tech-savvy

consumers, but are moving to become a well-established financial reality. According to the "Internet

PIN Debit: Aligning the Needs of Merchants, FIs and Consumers for Online Payments" white paper

released by Javelin Strategy & Research, online credit card retail purchase volume is expected to


7

register a decline in its growth rate by 2013. As a result, the percentage of online payments

conducted via credit cards is to drop to 40 percent in 2013, compared to 59 percent in 2007 and 55

percent in 2008. On the other hand, the share of online purchases made via other payment

methods is set to grow by 2013, the same source indicates.

In Europe, the ways in which consumers pay for goods online are still varied. In The Netherlands,

iDEAL ranks highest in the top of the most popular online payment systems, with 44 percent of

online shoppers preferring this payment method to any other option. In 2009, the Dutch online

payment service has witnessed a growth of 63 percent in the number of transactions to 45 million,

as compared to 28 million registered in the previous year. Germans prefer direct debit method ELV,

Danes pay with their debit card, the French by credit card and Eastern Europeans prefer cash-on-

delivery. For more detailed information see our 'Online payments 2010' report, free to download at

www.innopay.com/publications

But while e-commerce may be on the rise, online markets, both globally and in the EU, are still

separated by multiple barriers. Some of the barriers to cross-border commerce seem to result from

regulatory differences, a lack of shipping options or the non-availability of a certain payment

methods rather than ‗simple‘ language-related issues. In this context, and because of increasing

competitive pressures, payment providers need to constantly re-examine the basis on which they

deliver customer propositions. After all, the merchant‘s online business depends on the service and

reliability they provide.

For a PSP, understanding the nature of this game and positioning for success is becoming

increasingly critical for survival.

The PSP Buyer‘s Guide 2010 is firmly anchored in the most recent developments on the global

online PSP market and provides a much-needed central resource indicative of both evolving trends

and global market developments. In a constantly changing world, it is positioned as a solid

reference point for web merchants and payment professionals, a handbook both visually appealing

and deeply informative. A valuable companion to be kept at hand at all times.

Chiel Liezenberg

Partner, Innopay

www.innopay.com

http://www.innopay.com/publications

http://www.innopay.com/


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9

Company 2Checkout.com

Website www.2checkout.com/community/

Geographical presence Europe, North/Latin America

Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR

Alternative payment methods

Offline ≈

Company 2pay

Website 2pay.us.com/


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline

Company 3V Transaction Services

Website www.3v.ie


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline


10

Company 99Bill

Website www.99bill.com

Geographical presence Asia/Pacific

Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking ≈

E-wallet

Mobile/SMS/IVR

Alternative payment methods ≈

Offline

Company ABN Amro

Website www.abnamro.com/en/index.html

Geographical presence North/Latin America, Europe, Middle East/Africa, Asia/Pacific

Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline

Company Accelya

Website w3.accelya.com

Geographical presence North/Latin America, Europe, Middle East/Africa

Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline


11

AcceptEmail is a simple and secure electronic billing and payment solution utilizing the power of e-

mail. Real-time generated images convey the current bill status, resulting in a comprehensive EBPP

experience in the customers‘ inbox. In a 3-click process bills are paid straight from within the e-mail

without manual data (re)entry, resulting in full process transparency & control for the customer and

the merchant.

Company AcceptEmail

Website www.acceptemail.com

Keywords e-billing, e-invoicing, e-bill, e-invoice, e-mail, payment, credit management, invoice-to-cash

Contact Mr P.J. Kwakernaak | CEO; [email protected]; +31 20 462 5356 ; +31 6 54394102

Geographical presence Europe

Market segment(s) Retail, Insurance, Telecom, Utilities, Ticketing, Charity, Education, Internet, Publishers

Active since (year) 2006

Payment methods

Credit cards Amex, MC, VISA, CB, JCB

Debit cards Dankort, Bancontact/Mister Cash

Pre-paid cards

Online banking All local online banking systems

E-wallet

Mobile/SMS/IVR


Offline

Connected companies (#) #3 Acquirers

Companies PSP is connected to Ogone, ICEPAY, iDEAL, PBS, PayDutchGroup, DIBS

Services

Unique Selling Points

AcceptEmail enables electronic billing and payment (EBPP) by means of one of the best universal address spaces: email. The reach, convenience and penetration of e-mail is excellent.

AcceptEmail is the digital replacement of various paper-based methods. Apart from an innovative billing and payment initiation method, AcceptEmail also supports marketing with x-selling and credit management with collections. The service is cross industry and used by various companies in various ways:

Utilities companies substitute paper-based methods with AcceptEmail in various stages of their invoice-to-cash process. Telephone companies and Internet Service Providers send AcceptEmails to customers where the direct debit transaction failed, requesting payment of their open invoice using this friendly payment method. It is also used for high usage invoicing on the fly and in suspension cases. Publishers and charities use AcceptEmail for fund raising, marketing actions based on actual events and acquisition of new subscribers (also in cross-selling e-marketing actions). Web shops generate more revenue by offering (loyal) customers AcceptEmail as a payment method after delivery. Collection agents help debtors while on the phone from their call centres to pay in a friendly, safe and easy way or offer a payment plan. Travel agents and ticketing companies can arrange for partial or rush payments by scheduling a number of AcceptEmail in batch over a given time period or by generating AcceptEmails on the fly, which is especially effective for last-minutes.

In the B2B sector, AcceptEmail is an attractive method for rush orders and rush payments or for avoiding drivers to having to collect cash upon deliveries.

Core services EBPP – Electronic Bill Presentment & Payment

Pricing On request

Collecting payments

Distributing payments

Fraud prevention (measures) Not applicable

Fraud prevention partners Not applicable

Credit management (services) Yes – in all phases of the invoice2cash process.

Other services Integration with sms and voicecast

Third Parties RedBox SMS | Microsoft

mailto:[email protected]


12

Company AcceptEmail - continued

Technology

Direct connections

Batch processing

Per transaction processing

Merchant pages (direct model)

PSP pages (indirect model)

Interfaces Web services, SOAP, XML

Security HTTPS, SSL+, PKI


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14

Company Acceptance

Website www.acceptance.de


Payment methods

Credit cards

Debit cards

Pre-paid cards ≈

Online banking

E-wallet

Mobile/SMS/IVR


Offline

Company Acculynk

Website www.acculynk.com

Geographical presence North/Latin America

Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline

Company Aduno

Website www.aduno.ch


Payment methods

Credit cards

Debit cards

Pre-paid cards ≈

Online banking

E-wallet

Mobile/SMS/IVR


Offline ≈


15


16

Adyen is the most innovative and experienced PSP currently on the market. Adyen combines highly

sophisticated, fully customisable hosted payment pages, unprecedented reporting capabilities with

transparent and no-frills pricing. In combination with Adyen's conversion management software

merchants are capable to vastly improve conversion rates at lowest cost per conversion.

Company Adyen.com

Website www.adyen.com

Keywords Innovation, conversion, transparent pricing, multichannel, global, experience, independent, flexible

Contact Sander Maertens, VP, [email protected]; Tel. +31202401240

Geographical presence Global, specifically strong in Americas and Europe

Market segment(s) Retail, travel, digital content, gaming, gambling, ticketing, social networks

Active since (year) In payments business since 1997, current platform operational since 2006

Payment methods

Credit cards Visa, MasterCard, Amex, JCB, Diners, Discover, UATP, AirPlus, co-branded

Debit cards (e)Maestro, Visa electron, MrCash, Dankort, Laser, Solo, Delta, Carte Bleue, CartaSi

Pre-paid cards Wallie-card, PaySafeCard, PostePay, Cash ticket, Ukash, local (national) brands

Online banking iDEAL, sofortüberweisung, DIRECT ebanking, Nordea, all Scandinavian & Polish banking methods

E-wallet Paypal, MoneyBookers, Hyves Afrekenen

Mobile/SMS/IVR Global coverage

Alternative payment methods Internet+; open invoice (post-payment); electronic invoicing / pay by e-mail

Offline Bank transfers in over 30 countries; a selection of local voucher payment methods

Connected companies (#) #10+ Acquirers and capable of working with 3rd party providers of (risk & loyalty) solutions

Companies PSP is connected to Acquirers, fraud services, logistic partners, credit management services, e-commerce platforms

Services


Increased conversion through simple payment experience; increased shopping cart value through extended functionality of payment pages; more insight and control through statistical insight into payments; transparent, real-time interchange+ pricing; new features in biweekly releases

Core services Multi-channel payment platform, fraud management, payment advise, reconciliation, reporting

Pricing All-in pricing matrix, maximum transaction price of EUR 0,10; no set up or maintenance costs. Get a price quote online at calculate.adyen.com

Collecting payments Yes, Adyen is operating a full service model, being capable to reconcile all payment methods


Fraud prevention (measures) Flexible and state-of-the-art risk module, including consistency and velocity checks, referral lists. All fully configurable and extendable. Adyen is capable of enriching risk module with payment behavior.

Credit management (services) Yes, via third party, but fully integrated

Other services Fully customisable payment pages; recurring and one click payments; global e-invoicing; native mobile payment pages; a fully mobile accessible back-environment; MOTO (call center); pay out

Third Parties Everything is developed and managed in-house

Technology

Direct connections Yes, when merchant is PCI compliant

Batch processing



PSP pages (indirect model) Yes, these pages are fully customisable and Adyen supports one-page payments.

Interfaces Web services, SOAP, XML, HTTP, CSV, RSS, iPhone

Security HTTPS, SSL+, Basic Authentication, HMAC



17

Company AIB Merchant Services

Website www.aibms.com/index.php


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline

Company AirPlus International

Website www.airplus.com/world/en/


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline

Company Alipay

Website www.alipay.com/

Geographical presence North/Latin America, Asia/Pacific , Europe

Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline


18

Company Alliance Data Systems

Website www.alliancedata.com/


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline ≈

Company Allopass

Website www.allopass.com/us

Geographical presence North/Latin America, Europe, Asia/Pacific

Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline

Company Amazon Flexible Payments

Website aws.amazon.com/fps/


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline


19

AvantGard Payments offers a unique payments suite for streamlining payments processing -

helping to improve routing and connectivity; reduce costs; increase security; and improve the

management of payment information. The solution suite includes: a corporate transaction banking

platform, SEPA converter, check printing software and service, and electronic payment services for

check-to-ach and check-to-card migration.

Company AvantGard Payments

Website www.sungard.com/avantgard

Keywords Electronic payment systems, check writing software, ACH processing services, ACH payments, payment factory, payment factories, SEPA, corporate transaction banking

Contact Jamie Serino; Director, Market Insights; [email protected]; 973-463-5722


Market segment(s) Global 2000 corporations with additional focus on the mid-sized corporation ranging in size from as small as $50M to $1B. Across most primary industry types.


Payment methods

Alternative payment methods ACH, virtual card, EFT, Wire, SWIFT, Check Printing

Connected companies (#) SunGard has > 350 payers and >75,000 vendors enrolled in its Global Vendor Directory.

Services


AvantGard Payments (Trax) is a corporate transaction banking solution with a strong focus on security, bank and back-office connectivity and compliance (e.g. SEPA), best practice workflows, and business processing. It supports all types of payments, including high value/time critical payments and domestic low value payments. Payments may be imported from many different sources and processed through a workflow which includes business functionality such as validations and approval. Easily integrated with existing ERPs as well as other back-office applications. Shields these systems from changes in the payments world and other corporate-to-bank processes.

AvantGard PayNetExchange is an electronic payment solution providing several unique benefits, including: bank neutrality, monthly rebate on card transactions, single Use Virtual Card Technology, single platform for all payment types, multi-format remittance delivery, ―Global Vendor Directory‖ enables AvantGard PayNetExchange participants to send and receive payments electronically.

Core services Payment Factory/Corporate Transaction Banking, SEPA Converter, SEPA Direct Debits, Check to ACH Migration, Check to Card Migration, Check Printing Services, Check Printing Software, ACH Processing, Wire Processing , Branded Presentment

Pricing License/ASP/Hosted/Managed Service/Per Transaction

Collecting payments


Fraud prevention (measures) AvantGard Payments (Trax) provides centralised payment processing with clear audit trails of all actions taken on payments. A comprehensive permissions model requires the release of payments to be approved according to pre-assigned rules. Support for digital signing of payments sent to the bank as well as the sealing of payments data to prevent content hacking is also available.

AvantGard PayNetExchange does several validation checks on an inbound payment file. Enrolling Global Vendor Directory participants are required to fill out documentation and attach proof of existence of a bank account. Validation checks are also done on bank accounts and routing no‘s.

Fraud prevention partners IdenTrust and SWIFT PDI personal digital signature solutions.

Other services AvantGard offers corporations several options when it comes to connecting to the SWIFT Network, including: direct connectivity, connectivity through the SunGard Service Bureau as a stand-alone entity, and through the Service Bureau whereby SunGard acts as the administrator of the SWIFT account. SunGard is a SWIFT certified global partner and AvantGard Payments has two SWIFT-Ready Application labels for 2010: Corporates – Treasury & Corporates – Cash Management.

Third Parties Comdata, SWIFT

Technology

Direct connections

Batch processing


Interfaces XML



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21

Company American Express

Website home.americanexpress.com/home/mt_personal.shtml


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline

Company Arvato

Website www.arvatodigitalservices.com


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline

Company AsiaPay

Website www.asiapay.com


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline


22

Company Atos Worldline

Website sips.atosworldline.com

Geographical presence Asia/Pacific, Europe, Middle East/Africa, North/Latin America

Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline

Company Avangate

Website www.avangate.com/online-payment-solutions


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline

Company B+S Card Service

Website www.bs-card-service.com/en/


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline ≈


23

Company Bank Associates Merchant Services

Website www.bams.com


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline

Company Banco Popular

Website www.mypopularbanking.com


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline

Company Bank of America

Website www.bankofamerica.com


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline


24

Company barclaycard ePDQ

Website www.barclaycard.co.uk/business/


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline

Company beanstream

Website www.beanstream.com/public/index.asp


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline ≈

Company Bill Me Later

Website www.billmelater.com/index.xhtml


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline


25

Company Billeo

Website www.billeo.com


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline

Company Billing Revolution

Website www.billingrevolution.com


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline

Company BluePay

Website www.bluepay.com


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline


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27

Company BNL POSitivity

Website www.bnlpositivity.it/en/prodotti/


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline

Company BNP Paribas

Website www.bnpparibas.com/en/home/


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline

Company Buckaroo

Website www.buckaroo.nl


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline


28

Company Camtech

Website www.camtech.com.au


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline

Company Card Complete Service Bank

Website www.cardcomplete.com/


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline

Company CardinalCommerce

Website www.cardinalcommerce.com

Geographical presence North/Latin America, Europe

Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline


29

Company CartaSi

Website www.cartasi.it/gtwpages/index.jsp


Payment methods

Credit cards

Debit cards ≈

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline

Company Cashsense Inc

Website www.cashsense.com

Geographical presence Asia/Pacific , Europe

Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline

Company CashSender

Website www.cashsender.com


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline


30

Company CCAvenue

Website www.ccavenue.com


Payment methods

Credit cards

Debit cards ≈

Pre-paid cards ≈

Online banking

E-wallet

Mobile/SMS/IVR


Offline

Company CCNow

Website www.ccnow.co


Payment methods

Credit cards

Debit cards

Pre-paid cards ≈

Online banking

E-wallet ≈

Mobile/SMS/IVR


Offline

Company Ceridian SVS

Website www.storedvalue.com


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline


31

Chase Paymentech is a global leader in payment processing and merchant acquiring and a

specialist in customer-not-present (CNP) transactions. In 2009, Chase Paymentech processed

more than 18.0 billion transactions with a value exceeding $409.7 billion, including an estimated half

of all global e-commerce Visa and MasterCard transactions.

Company Chase Paymentech

Website www.chasepaymentech.eu

Keywords Customer not present, customer not present processing, credit card processing, payment processing, CNP, recurring billing, e-commerce merchant account, mail order

Contact [email protected], Tel: +44.845.399.1120 (UK); +1.800.708.3740 (USA); +1.866.833.8182 (Canada)

Geographical presence North America, Europe

Market segment(s) Auction, e-Retailing (apparel, electronics, software), Travel, Events, Online gaming, digital downloads, social networking, other


Payment methods

Credit cards

Debit cards

Pre-paid cards

Alternative payment methods Bill Me Later, e-cheques, European Direct Debit, gift cards, PayPal, GreenDot, recurring payments

Connected companies (#) Arvato finance services, CyberSource Corporation, DataCash, Delego, GlobalWare Solutions, Moneybookers, NetGiro, Ogone, Opsource, Paypoint, Retail Decisions (ReD), Sage Pay (Protx), SecureTrading, Transaction Network Services, Vindicia

Services


A global leader in payment processing and merchant acquiring, Chase Paymentech is focused on improving the payments industry. From influencing card associations on behalf of our merchants to developing award-winning technology, Chase Paymentech offers you the solutions you need to manage all of your payment processing needs. Chase Paymentech fuels the success of the Internet‘s largest brands and currently processes more than 50% of all global Visa and MasterCard e-commerce transactions. Since 1985, we have made it our business to lead the way in payment processing. We have been in operation in Europe for 15 years and have an excellent understanding of not only the European e-commerce landscape but also of the global market.

Core services Global Payment Processing: detailed reporting and reconciliation; present in more than 130 currencies and settle in 12 major currencies; fast access to funds. Comprehensive Reporting and Data Access: multilevel security, user manuals, technical documents and more; financial reports – daily, weekly and monthly; delimited file reporting that can integrate with your chosen ERP system; chargeback reports; transaction history; electronic and web reporting; 24/7 availability. Customer Service: dedicated account manager, merchant services call centre, 24/7 web and IVR availability, 24/7 operations support, chargeback analyst, training specialist, technical consulting

Pricing For current pricing, please contact the company at [email protected]

Collecting payments


Fraud prevention (measures) Address verification, VISA CVV2 and MasterCard CVC2, Verified by VISA, MasterCard SecureCode

Fraud prevention partners Kount: Chase Paymentech‘s expertise and fault tolerant infrastructure, paired with Kount‘s advanced fraud prevention technology, introduces a new class of fraud management tools that will significantly improve the reliability and security of card-not-present transactions.

Other services Orbital Payment Gateway: Secure internet processing; browser-based virtual; 24/7 application support; software development; online authorization; auto-close of daily; wide range of payment; customer profile management/tokenisation. Authorisation Recycling: maximum approval rates; automatic resubmission of transactions; 20-30% recovery of declines; customised merchant parameters; effective reporting and output. Risk Management Services: monitors unmatched refunds to sales; tracks VIS and MasterCard monitoring thresholds; monitors daily patterns; monitors charge backs to sales; merchant shopping program; online chargeback management. Purchase Card Acceptance: Visa and MasterCard; level I, II, III fields; full data between buyer and seller; business demand; paper reduction; BIN ranges available weekly. Recurring Payment Support: card account update service; MasterCard SIIP program; recurring payment indicators; multiple payment methods. Spectrum SDK: simplifies direct integration; manages connections; eases upgrades with templates

http://www.chasepaymentech.eu/



32


33

Company Chase Paymentech - continued

Technology

Direct connections supported? Both direct and indirect connections supported

Batch processing




Interfaces HTTPS, VPN, MPLS, Web Services, SOAP, XML (specifications available upon request)

Security HTTPS, SSL, SSL+, PKI

Chess’s PURE Payment platform is the combination of PSP payments and Cashless terminal

transactions. Focus on cost reduction and integration. PURE ROUTER, the intelligent business rule

driven payment module for Online payments. PURE VAS, virtual account system for wallet, loyalty

and cashless transactions.

Company Chess

Website www.chess.nl

Keywords Online payments, virtual account system, contactless, cashless, terminals, business rules

Contact Mr Ward Hagenaar, New Business Manager, [email protected], +31(0)23 5149 149


Market segment(s) E-business, Finance. Verticals : Ticketing, Sport and Events, Mobility & Travel, Retail, Communities


Payment methods

Credit cards All major international brands

Debit cards Soon eMaestro

Pre-paid cards Any pre-paid or stored value solution

Online banking iDEAL, Giropay, other

E-wallet PayPal, MiniTix, Hyves Betalen, Pure VAS, other

Mobile/SMS/IVR Rabo SMS Betalen, Pure VAS, other

Alternative payment methods Community payments and virtual currency solutions; Internal Virtual Account System (Wallet); Person 2 Person (internet and mobile); Post-paid; Loyalty schemes and private label cards; Vouchers (system has a service to issue & accept vouchers as a (partial) payment); Micropayments

Offline Direct debit, bank transfer within EU

Services

Core services Direct payment processing, fully automated clearing & settlement information, back-office integration, customisation.

Pricing Several models available: license fee or transaction based fee

Fraud prevention (measures) Blacklist, business rules and external services

Credit management (services) Clearing and settlement via a Virtual Account System

Other services Full customized integration, proprietary payment solutions

Third Parties Acquiring core contracting and reporting systems, gift card processors

Technology

Direct connections?

Batch processing?

Per order processing?

http://www.chess.nl/



34

Issue any volume of multi-currency payments by cheque or electronic transfer to panelists, affiliates

and prize winners around the world. Chexx Inc. cheques and electronic payments are easy for you

to order and easy for beneficiaries to clear. Contact us today to set up your Chexx Inc. account for

free.

Company Chexx Inc.

Website www.chexxinc.com

Contact Mr. Brendan Mahar, Business Development Manager; [email protected]; +1 604 688 0366


Market segment(s) Market Research, Clinical Trials, Affiliate Marketing, Reverse Logistics

Payment methods

Credit cards

Debit cards

Pre-paid cards Virtual Visa, plastic MasterCard

Online banking

E-wallet

Mobile/SMS/IVR

Alternative payment methods Issue cheques, electronic payments and prepaid cards

Offline Cheques and prepaid cards

Services

Fraud prevention Positive Pay

Credit management

Additional services Cheque and Insert printing, stuffing, mailing

Technology

Direct connections supported?

Batch processing?


Company China UnionPay

Website en.chinaunionpay.com


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline



35

Company ChinaPay

Website www.chinapay.com


Payment methods

Credit cards

Debit cards

Pre-paid cards ≈

Online banking

E-wallet

Mobile/SMS/IVR


Offline

Company Chronopay

Website www.chronopay.com


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline

Company Cielo

Website www.cielo.com.br/portal/main-page.html


Payment methods

Credit cards

Debit cards

Pre-paid cards ≈

Online banking

E-wallet

Mobile/SMS/IVR


Offline


36

Company Clear2Pay

Website www.clear2pay.com


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR ≈


Offline

Company ClearCommerce (FIS Global)

Website www.fisglobal.com/index.htm


Payment methods

Credit cards

Debit cards

Pre-paid cards ≈

Online banking

E-wallet

Mobile/SMS/IVR


Offline

Company ClickandBuy International Limited

Website www.clickandbuy.com


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline


37

Company CNG Processing

Website www.cngpro.com


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline

Company CollectivePOS

Website www.collectivepos.com


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline

Company Computop

Website www.computop.de/startseite.html?&no_cache=1&L=1


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline


38

Company ConCardis

Website www.concardis.com/


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline

Counting House is a full service PSP offering cost-effective inbound and outbound payment

solutions for online gaming companies worldwide: Send payment to winners and affiliates by local

cheque, electronic transfer, Visa OCT or virtual credit card. Accept payment by credit card, debit

card, local electronic payment and local-currency cheque.

Company Counting House Ltd.

Website www.countinghouseltd.com

Contact [email protected]

Geographical presence Latin America, Europe, Middle East/Africa, Asia/Pacific

Market segment(s) Gaming, Gambling, Other

Payment methods

Credit cards Visa, MasterCard

Debit cards Visa Electron, CarteBleue, Maestro, Visa Debit, Dankort

Pre-paid cards Prepaid Visa

Online banking Facilitate acceptance of local electronic payments

E-wallet

Mobile/SMS/IVR

Alternative payment methods Visa Credits - OCT

Local Electronic Payment Methods

Offline Cheque and postal money order processing, scanning solutions, bank transfer collection

Services

Fraud prevention Fraud risk scoring, merchant controlled flags, 3-D Secure, PCI compliant hosted solutions, tokenization

Credit management

Additional services

Technology


Batch processing?



39

CQR’s payment platform helps you reach the widest possible audience by giving your customers a

choice of over 90 of the world‘s most commonly used payment options. We helped bwin grow in 27

countries. Where do you want to go? You know your business; we know online payments. Let‘s talk.

Company CQR Payment Solutions

Website www.cqrpayments.com

Keywords Payment, PSP, online, merchant account, card, alternative payment, prepaid, conversion

Contact [email protected]; +43 (0)1227 50 37000


Market segment(s) Online retail (apparel, electronics, software), gaming, gambling, events, other


Payment methods

Credit cards Visa, MasterCard, AMEX, Diners, Kalibra, PostePay, Sanpaolo, Cartes Bancaires, BancomerMultipagos, DineroMail

Debit cards Visa Electron, Maestro

Pre-paid cards Paysafecard, Ukash, Kalixa, Voucher Deposit Italy, Wallie, Neosurf

Online banking GiroPay, iDEAL, MisterCash, EPS (11), Sofortüberweisung, Direct ebanking, TatraPay, BancomerMultipagos, Sporopay, DineroMail, P24 (18 banks), Multibanco, ePay, Nordea, Paganet, Umb, Dp24, Ips, Onecard, Cashu, Moneta, Webtopay, Alipay, Abaqoos, POLi 2, eKonto, BankLink, Linea Abierta, Nettbank, EuTeller, BankAxess

E-wallet ClickandBuy, Moneybookers, WebMoney, Neteller, PayPal, Kalixa, Click2Pay, HappyDigits, Abagoos, Moneta, eWire

Mobile/SMS/IVR Paybox, T-Pay, MPlatba

Alternative payment methods Western Union, InstaDebit, Boleto Bancario

Offline Offline Bank Transfer, CobroExpress, Cobranza Integrada Galicia, TeleIngreso

Services

Core services Payment processing, card issuing, ewallet service, added value services; reconciliation and settlement, fraud prevention, verification and authentication, accounting platform and reporting

Pricing For further information please contact CQR at [email protected]

Fraud prevention (measures) Fully automated risk scoring platform, incl. payment limit checks, payment origin checks, Anti Money Laundry (AML) checks, white and black list

Payment Risk & Anti Money Laundry (AML) teams for advance transaction monitoring

Risk assessment workshops

Credit management (services)

Other services Technical gateway, Aggregation (merchant account), MOTO, Recurring transactions, Auto top up, KYC, 3D Secure

Third Parties GB Group, Cellent, Decidir

Technology

Direct connections?

Batch processing?


http://www.cqrpayments.com/




40

Company CRE Secure

Website www.cresecure.com


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline

Company Ctopay

Website www.ctopay.hk

Geographical presence North/Latin America, Europe, Middle East/Africa, Asia-Pacific

Payment methods

Credit cards

Debit cards

Pre-paid cards ≈

Online banking

E-wallet

Mobile/SMS/IVR


Offline

Company Cubepay

Website www.cubepay.com

Geographical presence North/Latin America, Europe, Asia-Pacific

Payment methods

Credit cards ≈

Debit cards ≈

Pre-paid cards ≈

Online banking ≈

E-wallet ≈

Mobile/SMS/IVR ≈


Offline


41

Founded in 1994, CyberSource is a global payment management company, serving over 300,000

customers. We help to optimise your entire payment process—from payment acceptance, to fraud

management and payment security—through a single connection. You can reach more customers,

detect fraud more accurately and protect against payment data theft.

Company CyberSource

Website Corporate/Americas: www.cybersource.com; UK/EMEA: www.cybersource.co.uk; Asia Pacific: www.cybersource.asia; Japan: www.cybersource.co.jp

Keywords e-commerce, online, payment, fraud, PCI, global, tokenisation

Contact Rosie Leishman, Head of Marketing, [email protected], +44 (0)118 929 4855

Geographical presence North/Latin America, Europe, Asia/Pacific, Middle East/Africa

Market segment(s) Auction, Media, Retail (apparel, electronics, software), Travel, Gaming, Ticketing, Finance, Billers, Direct Response, Telecommunications etc.


Payment methods

Credit cards Visa, MasterCard, Amex, JCB, Diners

Debit cards CartaSi, Carte Bleue, Dankort, Discover, Laser, Maestro, Solo, Visa Debit, Visa Electron, Chinese debit cards

Pre-paid cards Visa or MasterCard branded

Online banking Aktia, eCard, eNETS, eps Online-Überweisung , giropay, iDEAL, ING‘Homepay, Interac, Nordea, POLi, Sampo, sofortüberweisung (please contact CyberSource about coverage)

E-wallet PayPal, PayEase (China)

Mobile/SMS/IVR IVR (US and UK)

Alternative payment methods PIN-less debit (US), eCheck/ACH (US), Bill Me Later (US)

Offline Direct debit; bank transfer in most EMEA and APAC countries

Connected companies (#) Over 40 connections around the world

Companies PSP is connected to Please contact us for a full list of the acquirers and processors that we connect to worldwide

Services


Truly end-to-end: With CyberSource, you can optimise your business results and boost revenue through actively managing the entire payment process—from global payment acceptance, through to fraud management and enterprise payment security.

One connection globally: You can reach more customers worldwide, offering the payment types that they prefer, whilst lowering your fraud—all by a single connection.

Dedicated, in-house expertise: The company`s Professional and Managed Services consultants bring you their vast in-field expertise, as and when required—helping to optimise business operations.

Core services Global payment processing, fraud management, payment security, centralisation

Pricing Please contact your regional CyberSource office for more information about pricing

Collecting payments


Fraud prevention (measures) Our automated fraud management portal, Decision Manager, provides access to over 200 global tests and services - including device fingerprinting, IP geolocation, multi-merchant purchase history, global validation checks and Verified by Visa/MasterCard SecureCode. A case management system streamlines the review process, boosting order conversion. Can be managed by you or our Managed Services and Order Review teams.

Fraud prevention partners 192business, Accurint, ATTUS, CardinalCommerce, Quova, SAP, TARGUSinfo, Telcordia, ThreatMetrix, Visa


Other services Enterprise payment security solution, including Tokenisation and Hosted Payment Acceptance; payment centralisation to consolidate payment management operations across organisations.

Third Parties Multiple third-party fraud vendors; e-commerce platforms such as ATG, IBM, NetSuite and many more

http://www.cybersource.com/

http://www.cybersource.co.uk/

http://www.cybersource.asia/

http://www.cybersource.co.jp/



42


43

Company CyberSource - continued

Technology

Direct connections Yes – the company supports and maintains direct connections to multiple processors

Batch processing




Interfaces ASP/COM, C, Java, .NET, Perl, PHP, Web Services (SOAP) and plug-ins for major commerce platforms


Company CuentaDigital

Website www.cuentadigital.com


Payment methods

Credit cards ≈

Debit cards ≈

Pre-paid cards ≈

Online banking

E-wallet ≈

Mobile/SMS/IVR


Offline

Company Datacash

Website www.datacash.com

Geographical presence North/Latin America, Europe, Asia-Pacific

Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline


44

Company Datatrans

Website www.datatrans.ch

Geographical presence North America, Europe, Asia

Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline

Company Deutsche Card Services

Website www.deutsche-card-services.com


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking ≈

E-wallet ≈

Mobile/SMS/IVR


Offline

Company Dexia

Website www.dexia.com


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet ≈

Mobile/SMS/IVR ≈


Offline


45

Company DIBS

Website www.dibspayment.com


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline

Company Direct Payment Solutions

Website www.paymentexpress.com

Geographical presence North/Latin America, Asia/Pacific, Middle East/Africa

Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline

Company DirectOne

Website www.directone.com.au


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline


46


47

Docdata Payments, offers five services that together provide a complete service offering for the

financial part of the order-to-cash process: Docdata payment service, Docdata response handling,

Docdata membership and recurring payment service, Docdata credit management service and

Docdata cash disbursement service.

Company Docdata Payments

Website www.docdatapayments.com

Keywords E-commerce, online payments, credit cards, recurring payments

Contact Mr. R. van Dee, Sales Manager; e-mail: [email protected], tel: +31 (0)343-530040


Market segment(s) e-Retail, Ticketing, Media, Digital Services, leisure, telecommunications, skill gaming


Payment methods

Credit cards Visa, Mastercard, American Express, Carte Bleue

Debit cards Maestro, Visa Electron

Pre-paid cards WallieCard

Online banking iDeal, Bancontact/Mr. Cash, GiroPay, Sofortuberweisung, DirecteBanking, KBC Betaalknop, ING HomePay, Dexia Netbanking

E-wallet PayPal, Minitix

Mobile/SMS/IVR Premium SMS + Premium Call in many European Countries

Offline Printed invoice, Local bank transfers in most European Countries and USA, Mr Pay Online (cash at one of the offices), Acceptgiro

Connected companies (#) EMS card, Atos Worldline, Euroline

Companies PSP is connected to Heineken, Hewlett Packard, DHL, Golden Tulip, Telegraaf Media Group, Bijenkorf, V&D, SMS City

Services


One connection to the docdata payment service gives access to over 60 different payment methods and 140 different currencies; Collection and reconciliation: each individual payment is matched to its original merchant order number, for all payment methods, currencies and channels; Fraud risk management module: helps merchants to reduce the risk of potentially fraudulent transactions; Multi-sales channel: Docdata Payments processes payments for e-commerce, MOTO.

Core services Processing online payments, collection and reconciliation

Pricing For our current pricing, please contact our sales department, [email protected]

Distributing payments ≈

Fraud prevention (measures) Optional fraud risk management tool that checks each individual transaction against a set of security parameters: black lists, velocity & pattern checks, payment history of a card or bank account no, etc.

Fraud prevention partners German Post, InfoScore

Credit management (services) Open invoicing is supported (printed invoice, Acceptgiro) for merchants that support post paid payment options; reminders.

Other services Docdata provides a total e-commerce solution, including: design, development and management of (international) e-commerce shops, including hosting and marketing, worldwide fulfillment (order picking, shipment, return handling), donation and response handling, CD/DVD replication for the media, entertainment and information sector.

Technology

Direct connections

Batch processing




Interfaces Web services, XML

Security HTTPS, PKI

http://www.docdatapayments.com/




48


49

Company Discover Network

Website www.discovernetwork.com


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking ≈

E-wallet

Mobile/SMS/IVR


Offline

Company Documetric

Website www.documetric.com


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline

Company Dotpay

Website www.dotpay.pl


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline


50

Company Dragonfish

Website www.dragonfishtech.com


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline

Company Dragonpay Corporation

Website www.dragonpay.ph


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline

Company Earthport

Website www.earthport.com

Geographical presence Asia/Pacific , Europe, Middle East/Africa, North/Latin America

Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline


51

Company eBillme

Website www.ebillme.com


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline

Company EBS

Website www.ebs.in


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR ≈


Offline

Company ecapay

Website www.ecapay.net


Payment methods

Credit cards ≈

Debit cards

Pre-paid cards

Online banking

E-wallet ≈

Mobile/SMS/IVR


Offline ≈


52

Company eCard

Website www.ecard.pl


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking ≈

E-wallet ≈

Mobile/SMS/IVR


Offline ≈

Company ECHO

Website www.echo-inc.com


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking ≈

E-wallet

Mobile/SMS/IVR


Offline ≈

Company Elavon

Website www.elavon.com


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet ≈

Mobile/SMS/IVR ≈


Offline


53

Company Electronic Payment Systems

Website www.eps-na.com


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet ≈

Mobile/SMS/IVR


Offline

Company eNETS

Website www.enets.com


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet ≈

Mobile/SMS/IVR


Offline ≈

Company Envoy Services

Website www.envoyservices.com


Payment methods

Credit cards

Debit cards

Pre-paid cards ≈

Online banking

E-wallet

Mobile/SMS/IVR


Offline


54

Company EOS Payment Solutions

Website www.eos-payment.com


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline

Company epay

Website www.epayworldwide.com


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline

Company eProcessing Network

Website www.eprocessingnetwork.com


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline


55

Company Equens

Website www.equens.com/index.jsp


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline

Company eTranzact

Website www.etranzact.com


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline

Company EuroCommerce

Website www.eurocommerce.ie


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline


56

Company Euroline

Website www.euroline.se


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking ≈

E-wallet

Mobile/SMS/IVR


Offline

Company European Merchant Services B.V.

Website www.emscard.com


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline

Company eWay

Website www.eway.com.au


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline


57

Company E-xact Transactions

Website www.e-xact.com


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline

Certo Payment Gateway is integrated into multiple local and international payment brands, banks,

MSPs, alternative payments, shopping carts, order systems, 3-D Secure, advanced fraud scrubbing.

Merchants and MSPs can now enjoy a true one stop integration platform to access all integrated

options free of any set-up fees and monthly fees.

Company Failsafe Payments

Website www.failsafepayments.com

Contact International Sales Team, [email protected]

Geographical presence North America, Europe, Middle East/Africa, Asia/Pacific

Market segment(s) Retail, Adult, Gaming, Low Risk, High-Risk, POS, MOTO

Payment methods

Credit cards VISA, MasterCard, American Express, Diners, JCB Discover, Dancard, Eurocard, Carte Bleue

Debit cards Chinese Debit Cards, Korean Debit Cards, VISA Electron, Maestro, Delta, Laser, Solo, EC

Pre-paid cards Ukash, Snapcard, Todito Cash and several others

Online banking

E-wallet PayPal, Moneybookers and more being implemented 2010/2011

Mobile/SMS/IVR BOKU, Fortumo, Google Mobile, Billing Revolution, txtNation, AOneBill, Global Acess, PasswordByPhone and more being implemented 2010/2011

Alternative payment methods ACH, eCheck21, Google Checkout, POLi, iDeal, GiroPay, Przelewy24, Sofortuberweisung, EuroDebit and many more implemented during 2010/2011

Offline Worldwide bank transfers through multiple systems

Services

Fraud prevention

Credit management

Additional services

Technology

Direct connections?

Batch processing?



58

Company eWise

Website www.ewise.com/corporate/index.html


Payment methods

Credit cards ≈

Debit cards ≈

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline

Company Fifth Third Bank

Website www.53.com


Payment methods

Credit cards

Debit cards

Pre-paid cards ≈

Online banking

E-wallet

Mobile/SMS/IVR ≈


Offline

Company First Data

Website www.firstdata.com/en_us/home


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet ≈

Mobile/SMS/IVR


Offline


59

First Atlantic Commerce (FAC) is a secure, PCI certified payment gateway that offers custom,

online payment and risk management solutions to merchants and banks. FAC provides merchants

with online credit card processing, global check issuing services, EFT and Ukash, as well as fraud

management services including AVS, CVV2/CVC2/CID verification, and 3-D SecureTM

-- all through

a single, secure interface.

Company First Atlantic Commerce

Website www.firstatlanticcommerce.com

Keywords Payment gateway, online payment solutions, merchant accounts, international credit card processing, online card payment, merchant international, credit card gateway, online payment systems

Contact Tricia Lines Hill, VP Marketing & Corp. Communications, Tel: 441.294.4625. Email: [email protected]

Geographical presence Latin America Caribbean Region, Europe, Asia/Pacific

Market segment(s) Retail, Travel (Airlines, Hotels, Car Rentals), Ticket & Event Management, Prepaid Phone & VoIP, Digital Content, Internet & Technology (ISPs, Web Hosting), Gaming


Payment methods

Credit cards Visa, MasterCard, Amex

Debit cards

Pre-paid cards

Online banking Yes, solution dependent

E-wallet PayPal Europe

Mobile/SMS/IVR

Alternative payment methods Ukash, Electronic Funds Transfer (EFT), inbound bank transfers (Giro), multi currency cheques

Offline

Services


Custom, offshore acquiring solutions, credit card processing and alternative payment methods via one interface

Core services Online credit card processing

Pricing Tiered, according to volumes

Fraud prevention (measures) Address Verification, Card Verification (CVV2/CVC2/CID), 3-D Secure ™, Cardholder Account Confirmation, Collaborative Fraud Management


Other services

Third Parties Ethoca for collaborative fraud management

Technology

Direct connections?

Batch processing?


http://www.firstatlanticcommerce.com/



60

Company First National Bank Omaha

Website www.firstnational.com


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline

Company First National Merchant Solutions

Website www.firstnationalmerchants.com


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking ≈

E-wallet

Mobile/SMS/IVR


Offline

Company Fortis Bank Nederland

Website www.fortisbank.nl


Payment methods

Credit cards

Debit cards ≈

Pre-paid cards ≈

Online banking

E-wallet

Mobile/SMS/IVR ≈


Offline


61

GlobalCollect is the world's premier Payment Service Provider of local e-payment solutions for

international Customer Not-Present channels such as internet, mail, and telephone orders. Through

a single-interface online payment platform, we offer access to an unrivalled portfolio of local and

international payment methods in over 200 countries and for 170 currencies.

Company GlobalCollect

Website www.globalcollect.com

Keywords Payment Service Provider, local + alternative e-payment solutions, online payments

Contact www.globalcollect.com/payment-service-provider/merchant-form/, [email protected], [email protected], [email protected], [email protected]


Market segment(s) Travel, Retail, Gaming, Software, Music, Publishing, Streaming Media, Social Networking, Ticketing, Direct Selling, Telecommunications / Online Portals and more.


Payment methods

Credit cards Visa, MasterCard, American Express, Diners Club International, Discover, Maestro International, and JCB

Debit cards Maestro (United Kingdom), Solo (United Kingdom), Laser (Ireland), Carte Bleue (France), Dankort (Denmark) and Discover (United States), as well as over 40 local Chinese debit cards

Pre-paid cards Wallie, Ukash and Paysafecard

Online banking Real-time bank transfers: Sofortueberweisung/DirectPay24 and Giropay in Germany, iDEAL in the Netherlands, Nordea Solo in Sweden, Finland, and Denmark, ING HomePay in Belgium, eCard in Poland and eNETS in Singapore. In the near future, GlobalCollect will also support Danske Bank Netbetaling in Denmark, Aktia and Sampo in Finland, Interac Online in Canada, POLi in Australia and Secure Vault Payment in the United States

E-wallet PayPal, WebMoney, cashU, Alipay, and Moneybookers

Mobile/SMS/IVR

Alternative payment methods Direct debits in Australia, Austria, Belgium, Canada, France, Germany, Italy, the Netherlands, Spain, Switzerland, the United Kingdom and soon the United States; Bank transfers (Local Wire Transfer) and bill payments in over 66 countries

Offline Cash and bill payments worldwide through Western Union network, Chinese post offices, Boleto Bancário in Brazil, Pago Fácil in Argentina, Barcode Santander in Chile, Konbini (convenience store payments) and Pay-easy in Japan; checks in 35+ local currencies; lockbox solutions in five regions; Invoicing in 200+ countries

Services


GlobalCollect can help your company increase its international market share significantly by enabling you to provide customers with the ability to pay with their preferred payment method and in a local currency

Core services Online payments processing; Process transactions in 28 languages; Fraud screening; Full service provider facilitating all back office processes (from payment matching/reconciliation to refund processing and charge backs); Multi-currency fund remittance.

Pricing Upon request on a customized basis

Fraud prevention (measures) Scalable Fraud Screening Service featuring a range of integrated fraud reduction tools to maximize transaction safety prior to authorization, incl. blacklists, velocity checking, BIN range validation, IP Geolocation, account validation, credit card checks.


Other services Full-serve-provider, currency conversion, consumer support, single-interface connection to our payment platform.

Third Parties

Technology


Batch processing?


http://www.globalcollect.com/

http://www.globalcollect.com/payment-service-provider/merchant-form/






62

Company giropay GmbH

Website www.giropay.de


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline

Company Global Payments

Website www.globalpaymentsinc.com


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking ≈

E-wallet

Mobile/SMS/IVR


Offline

Company Glue Pay

Website www.gluepay.com


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline


63

Company Google Checkout

Website www.checkout.google.com


Payment methods

Credit cards

Debit cards

Pre-paid cards ≈

Online banking

E-wallet ≈

Mobile/SMS/IVR


Offline

Company GSI Commerce

Website www.gsicommerce.com


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet ≈

Mobile/SMS/IVR


Offline

Company GVC - Consultancy for Financial Access

Website www.gvc-consultancy.com

Geographical presence Europe, Middle East/Africa

Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline


64

Company Heartland Payment Systems

Website www.heartlandpaymentsystems.com


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet ≈

Mobile/SMS/IVR


Offline

Company Heidelpay

Website www.heidelpay.de


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline

Company Home ATM

Website www.homeatm.net

Geographical presence Asia/Pacific, North/Latin America

Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking ≈

E-wallet ≈

Mobile/SMS/IVR


Offline


65


66

hyperWALLET delivers secure, global-grade payment technologies to organizations that require a

simplified way to access or leverage the global financial network. Since 2000 the company has

become a leading provider of online and mobile payment, international payments, card products and

financial technology solutions to enterprise-level customers in Canada, the U.S. and internationally.

Company hyperWALLET

Website www.hyperwallet.com

Keywords payment, settlement, global, online, mobile, banking, processing, currency

Contact Mr. Chris Silverson, Vice President – Sales, 604-482-0090, [email protected]

Geographical presence North America/Latin America, Europe, Middle East, Africa, Asia-Pacific

Market segment(s) Financial services, business, government, online, mobile, prepaid card & cash-based markets.


Payment methods

Credit cards Support for Credit Card gateways – VISA, MC, Amex

Debit cards

Pre-paid cards Brandable prepaid cards

Online banking Global bank account transfers to 40 countries worldwide,

Cosy-effective, cross-border payment distribution & remittances

E-wallet Brandable stored value accounts, multi-currency payment processing, multi-lingual user interfaces, 3rd party payment connectors (PayPal, MPESA, SMART)

Mobile/SMS/IVR TransferTo (Send airtime credit top-ups to mobile phones in 25 countries worldwide)

2-way SMS, WAP, iPhone + Smartphone Apps for mobile banking

IVR for customer service, telephone banking capabilities

Alternative payment methods Micropayments

Offline Western Union® Quick Cash® (cash pickups)

Services

Unique Selling Points Cost effective, global payment distribution alternative to cheques, money orders and wire transfers

Low-cost global ACH, mobile airtime and cash pickup settlement networks Electronic payment processing & international remittances in 20+ currencies

Brandable payment services and web & mobile payment applications in 10+ languages

Support for online, mobile, WAP, SMS, iPhone apps & prepaid card channels

Core services P2P, B2P, P2B, G2P payments

Online, Mobile & Global payment distribution

Transaction processing & Settlement

International payments & remittances

Pricing Transaction-based Licensing-based

ASP / SaaS Hosted Model

Fraud prevention (measures) Risk Management, KYC identity & bank verifications, IP address geotracking, AML Lists (OSFI, OFAC, UNS), FINTRAC Reporting, Transaction limits & monitoring, customer due diligence, network intrusion detection


Other services Custom software development, systems monitoring, maintenance management, customer support, transaction settlement services

Third Parties PayPal, MPESA, SMART Money

Technology

Direct connections?

Batch processing?


http://www.hyperwallet.com/



67

Company IndiaPay

Website www.indiapay.com


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline

Company ING

Website www.ingcommercialbanking.com


Payment methods

Credit cards

Debit cards

Pre-paid cards ≈

Online banking

E-wallet

Mobile/SMS/IVR


Offline

Company Ingenico

Website www.ingenico.com

Geographical presence North America/Latin America, Europe, Middle East, Africa, Asia-Pacific

Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet ≈

Mobile/SMS/IVR ≈


Offline


68

Company Innovate Payments

Website www.innovatepayments.com


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline

Company Interac

Website www.interac.ca


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR ≈


Offline

Company Internet Secure

Website www.internetsecure.com


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR ≈


Offline ≈


69

Company iPay88

Website www.ipay88.com

Geographical presence Asia-Pacific

Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline ≈

Company IPS

Website www.ipspay.net


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet ≈

Mobile/SMS/IVR


Offline ≈

Company ISD Financial

Website www.isdfinancial.com


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet ≈

Mobile/SMS/IVR


Offline


70

Company Ixaris Systems

Website www.ixaris.com

Geographical presence Europe, Asia/Pacific , North/Latin America, Middle East/Africa

Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking ≈

E-wallet ≈

Mobile/SMS/IVR ≈


Offline

Company Javien

Website www.javien.com


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR ≈


Offline

Company JCB

Website www.jcbcorporate.com


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking ≈

E-wallet

Mobile/SMS/IVR


Offline


71

Company Kaban

Website www.kaban.com.ph


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline

Company KBC

Website www.kbc.com


Payment methods

Credit cards ≈

Debit cards ≈

Pre-paid cards ≈

Online banking

E-wallet ≈

Mobile/SMS/IVR


Offline

Company Klarna

Website www.klarna.se


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR ≈


Offline


72

Company Litle&Co

Website www.litle.com


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking ≈

E-wallet

Mobile/SMS/IVR


Offline

Company MasterCard Payment Gateway

Website www.mastercardpaymentgateway.com


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet ≈

Mobile/SMS/IVR


Offline

Company Merchant e-Solutions

Website www.merchante-solutions.com


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking ≈

E-wallet ≈

Mobile/SMS/IVR


Offline


73

Mazooma is the first real-time online debit payment solution, providing US consumers with a safe,

secure and convenient payment channel for online shopping. Consumers pay for purchases directly

from their online banking with the financial institutions they know and trust. Mazooma is bank-

authenticated, allowing merchants to ship merchandise immediately.

Company Mazooma

Website www.mazooma.com

Keywords Debit, cash, online, instant, real time, retail, banking

Contact Mr. Paul Phillipson, Managing Director USA, [email protected],1-888-771-1551 ext.242

Geographical presence USA

Market segment(s) Retail (apparel, electronics, software)


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline

Services


Consumers can now conveniently pay with cash online

Real-time for consumer – no offline sign-up required, no waiting period, no micro deposits

Maintains consumers‘ impulse to buy

Addresses the challenges of fraud, shopping card abandonment and high cost of credit cards

Merchant cost is 1% + $0.15/transaction

Merchants receive instant authorization – orders can ship immediately, just like credit cards

Fast, convenient and secure at no cost to the consumer

Core services Online payment processing

Pricing

Fraud prevention (measures)


Other services

Third Parties

Technology

Direct connections?

Batch processing?


http://www.mazooma.com/



74

Company MicroBilt

Website www.microbilt.com


Payment methods

Credit cards

Debit cards

Pre-paid cards ≈

Online banking

E-wallet ≈

Mobile/SMS/IVR


Offline

Company Millennium Payment Systems

Website www.millenniumpayment.ca


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline

Company Mobile-for

Website www.mobile-for.be


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline


75

Mi-Pay is the largest independent direct channel top-up service provider in Europe and specialises

in adding value to mobile initiated payment transactions. We also provide a range of innovative,

award winning mobile money solutions including international airtime and money transfer services

on a white label basis for clients across the world.

Company Mi-Pay

Website www.mi-pay.com

Contact Mr Steve Britton, Sales Director, [email protected], (M) +44 7802 359156


Market segment(s) Telecommunications, Finance, Retail Payments

Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR Yes all these plus USSD services and mobile phone app‘s

Alternative payment methods Airtime balance transfers, cash paid via recruited agents, ATM payments, merchant payments

Offline ATM networks, merchants and agents

Services

Fraud prevention Customizable fraud rules, industry hot card lists and other hot lists, Black and white listing, 3D Secure, AVS/CVV2 Matrix, Post transaction automated and manual screening to detect new fraud patterns, PCI Certification, Identity Check

Credit management

Additional services Services to smartcard and other contactless card companies, enabling mobile phones to be integrated into these systems, allowing the consumer to check and top-up card balances (for themselves and family/friends) as well as receiving suitable promotional offers relating to the service.

Technology

Direct connections? ≈

Batch processing?


Company MOL

Website www. global.mol.com


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline


76

Company Mollie

Website www.mollie.nl


Payment methods

Credit cards ≈

Debit cards ≈

Pre-paid cards ≈

Online banking

E-wallet ≈

Mobile/SMS/IVR ≈


Offline

Company Moneris

Website www.moneris.com


Payment methods

Credit cards

Debit cards

Pre-paid cards ≈

Online banking

E-wallet

Mobile/SMS/IVR


Offline

Company Moneta

Website www.monetacorp.com


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline


77

Moneta.ru is one of leading Russian e-wallet and PSP. It accepts customers and merchants from

any country. For its customers it provides online payments on merchant websites from various

industries. PSP platform allows online merchants to accept payments from all major Russian e-

wallets and other payment solutions with one contract and integration.

Company Moneta.ru

Website www.moneta.ru

Keywords PSP, e-wallet, payment system, electronic payments, Russia, CIS, online payments

Contact Mr. Ivan Domrachev, Business Development; tel: +7(495)743-4985; email: [email protected]

Mr. Sergey Smirnov, CEO, tel: +7(495)743-4985, email: [email protected]

Mr. Denis Pashutkin, CTO, tel: +7(495)743-4985, email: [email protected]

Geographical presence Russia, CIS, Europe

Market segment(s) Gaming, Gambling, Travel, Events, Retail, other


Payment methods


Debit cards Visa Electron, Maestro

Pre-paid cards

Online banking Telebank, HandyBank, Bank24.ru, Platezh.ru

E-wallet Neteller, Yandex.Money, WebMoney, MoneyMail, Money.Mail.ru, Wallet 1

Mobile/SMS/IVR Beeline SMS, Premium SMS for Russian operators

Alternative payment methods Ukash

Offline Payments kiosks: QIWI, Eleksnet, ComePay and others. Money transfer systems: Contact, Migom, Leader. Bank transfer, post transfer

Connected companies (#)

Companies PSP is connected to

Services


Complete PSP proposition for Russian and CIS market, immediate access to multimillion audience of all customers of third party solutions with one implementation and merchant contract, low fees

Core services Full scope: payment processing, reconciliation, settlement, billing solutions

Pricing

Collecting payments


Fraud prevention (measures) IP check, behavior and financial analysis, phone verification, passport and other ID verification

Fraud prevention partners CONTACT System

Credit management (services) Moneta.ru's solution is guaranteed: all customer payments are final and irrevocable

Other services

Third Parties

Technology

Direct connections

Batch processing




Interfaces Web services/SOAP, XML/HTML Form

Security HTTPS, SSL+, PKI, client certificates, IP restriction, access login/password, payment password (security code)





78


79

Moneybookers operates one of the largest e-wallets in the world with more than 13 million

registered customers and €20bn in transaction volume. In addition to that Moneybookers provides

a direct payment processing service for credit cards and more than 100 local payment options

available through different interfaces (webservice/xml, iframe, virtual terminal).

Company Moneybookers

Website www.moneybookers.com

Keywords payment processing, accept credit cards, credit card processing, online payments, merchant services, merchant account, payment gateway, e-wallet

Contact Mr Julian Artopé, [email protected]


Market segment(s) Digital Media, Auction, Retail (apparel, electronics), Travel, Online Games


Payment methods

Credit cards Visa, MasterCard, American Express, JCB, Diners Club

Debit cards Visa Electron, Visa Debit, Maestro, 4B, Carte Bleue, Dankort, Laser, CartaSi, PostePay, Euro6000, Solo Card

Pre-paid cards Moneybookers MasterCard Pre-Paid Card

Online banking Available in 42 countries

E-wallet Moneybookers e-wallet

Mobile/SMS/IVR SMS Payment Notifications, further mobile payment options being integrated

Alternative payment methods Online Bank Transfer (instantaneously), EPS, DIRECTebanking, ePay.bg, Nordea, EC, Giropay, Sofortueberweisung, mBank, Inteligo, Pekao S.A., Netelis, eNets, Poli and many more

Offline Bank accounts and bank transfer service with 80 local banking partners

Services


One contract, one integration – over 80 payment options worldwide, including risk and anti-fraud management

Core services Enabling payment processing, risk and anti-fraud management, marketing to over 13million e-wallet users.

Pricing Contact [email protected]

Fraud prevention (measures) Velocities, Scoring, AF rules, etc. Chargeback protection available


Other services Processing in more than 100 different currencies, instant settlement in 42 different currencies

Third Parties

Technology

Direct connections?

Batch processing?


http://www.moneybookers.com/



80

Company Moneydirect

Website www.moneydirect.com


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking ≈

E-wallet

Mobile/SMS/IVR


Offline ≈

Company mopay

Website www.mopay.com


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline

Company mPayy

Website www.mpayy.com


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline


81

Company MultiSafepay

Website www.multisafepay.com


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline

Company MyECheck

Website www.myecheckcorporate.com


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR ≈


Offline ≈

Company My Payment Network

Website www.mypaymentnetwork.com


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline


82

Company NAB Transact

Website www.transact.nab.com.au


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline

Company Neovia Financial

Website www.neovia.com

Geographical presence Asia/Pacific, Europe , Middle East/Africa, North/Latin America

Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline

Company Netsize SA

Website www.netsize.com


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline


83

Companies worldwide, including some of the largest e-merchants, use Netgiro’s services to

increase sales by offering their customers local ways to pay. Founded in 1997, Netgiro is a global

full service payment provider with a portfolio of more than 200 global and local online payment

methods. Netgiro is a subsidiary of Digital River, Inc.

Company Netgiro Systems AB – a subsidiary of Digital River Inc.

Website www.netgiro.com

Keywords Global, multi currency, local, alternative, full service, fraud

Contact [email protected], US: +1 310-406-8481, EU and other: +46 (0)8 52 72 10 00

Geographical presence North and Latin America, Europe, Asia Pacific

Market segment(s) Retail, travel, airlines, software, gaming, subscriptions, events, other


Payment methods

Credit cards All major credit cards incl. Visa, MasterCard, American Express, Diners, Discover, JCB

Debit cards International debit cards such as Maestro International, Visa Debit and Electron. Local cards (credit and debit) such as Solo, Maestro UK, Laser Card, Dancard, Carta Sí, Carte Bleue, Carte Aurore, Carte LaSer, Carte 4étoiles, Hipercard, Aura.

Over 60 local debit cards in China. 18 local debit cards in India. 12 local debit cards in South Korea

Pre-paid cards ItzCash Card

Online banking iDEAL, Sofortüberweisung, Giropay, EPS, Nordea Denmark, 4 banks in Sweden, 6 banks in Finland, 33 banks in India, 19 banks in South Korea

E-wallet Paypal, Alipay, ClickandBuy

Mobile/SMS/IVR PayMate, SMS and ARS, hosted mobile payment pages

Alternative payment methods Konbini Payments, Pay-Easy, Card installments

Offline Electronic Fund Transfer in over 20 countries, BPay, Boleto Bancario, Direct Debit (incl. ELV), Cheques

Services


Netgiro is a full-service payment provider who can support your business growth both in sales volume and in international reach.

Over 13 years of experience with world leading e-merchants.

Local cards and alternative payments in North America, Europe, Brazil, Mexico, China, South Korea, Japan, India and Australia.

Global enterprise customization. Reconciliation and advanced reporting. Lowered costs for payments. Increased acceptance rates.

Core services Streamlined and secure online payment processing via the PCI-certified payment platform, reconciliation and reporting, fraud management, chargeback management, currency services and consulting for all payment related questions. We offer customized solutions for global enterprises.

Pricing Please contact the company for a proposal

Fraud prevention (measures) Internal fraud protection engine ―Transaction Defender‖

Fraud protection measures provided by payment schemes such as CVV/CVC, 3DSecure and AVS


Other services Subscription management, tokenization, Channel Partner Program. As part of the Digital River family of e-commerce solutions, the company offers a large portfolio of services including taxes, marketing tools, web analytics, checkout optimization and much more.

Third Parties Local connections to acquirers and financial institutions in North America, Latin America, Europe and Asia Pacific. Integration with different ERP systems (incl. SAP) via partners.

Technology

Direct connections?

Batch processing?


http://www.netgiro.com/



84

Company Nordea

Website www.nordea.com


Payment methods

Credit cards

Debit cards

Pre-paid cards ≈

Online banking

E-wallet ≈

Mobile/SMS/IVR


Offline

Company NSIApay

Website www.nsiapay.com


Payment methods

Credit cards

Debit cards ≈

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline

Company Obopay

Website www.obopay.com/consumer/Welcome.do

Geographical presence Asia/Pacific, North/Latin America

Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline


85

Ogone delivers non-face-to-face businesses a payment solutions platform, added value

opportunities and technology advancements that become essential for the way payments are

performed, managed and secured today.

Company Ogone

Website www.ogone.com

Keywords ogone, payment, payments, gateway, online, merchant, internet, fraud

Contact Mr Nico van Miltenburg – Head of Sales – [email protected]

BE +32 2 286 96 11 – NL +31 297 255 411 – FR +33 1 70 70 0903 –

UK +44 20 31 47 49 66 – DE +49 30 22 15 10 750 – CH +41 44 277 55 00 – AT +43 1 890 63 85 00

Geographical presence Europe & more than 100 acquiring connections worldwide

Market segment(s) Auction, retail (apparel, electronics, software), travel, ticketing, other


Payment methods

Credit cards Visa, MasterCard, American Express, Diners Club, JCB, UATP, AirPlus, Cofinoga

Debit cards Maestro, Solo, Laser Card, Visa Electron, Bancontact/Mister Cash, Carte Bleue, PostFinance Card, Dankort

Pre-paid cards Paysafecard, Cash Ticket

Online banking giropay, EPS, Dexia Direct Net, ING Home‘Pay, KBC/CBC, eDankort, PostFinance E-Finance

E-wallet PayPal, Wallie Card, Minitix, 1Euro.com

Mobile/SMS/IVR PingPing, mpass

Alternative payment methods ELV Germany, ELV Austria, Machtiging

Offline Bank transfer

Services

Unique Selling Points Seamless & secure payments

Core services Online payment processing, fraud prevention, reconciliation

Pricing Please contact our Sales Team – [email protected]

Fraud prevention (measures) PCI DSS, 3-D Secure, blocking rules and filters, scoring module


Other services Consultancy, merchant account facilitation

Third Parties Specific industry solutions partners: Amadeus, Sabre Airline Solutions, Radixx, micros fidelio, Ticketscript

Shop software connectors: Magento, ePages, Actinic, XT Commerce, OS Commerce

Technology

Direct connections?

Batch processing?


http://www.ogone.com/




86

Company Offerpal Media

Website www.offerpalmedia.com


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking ≈

E-wallet

Mobile/SMS/IVR


Offline

PacNet offers a broad suite of inbound and outbound payment services, including multi-currency

merchant accounts, credit and debit card processing, local electronic payments such as ACH,

BACS, SEPA, multi-currency cheque processing, Check 21, scanning solutions, bank transfer

collection and more. Contact us to discuss your domestic and international payment needs.

Company PacNet Services Ltd.

Website www.pacnetservices.com

Contact Mr. Brendan Mahar, Business Development Manager, [email protected],

+1 604 689 0399


Market segment(s) Auction, Retail (apparel, electronics, software), Travel, Events, Other

Payment methods


Debit cards Visa Electron, Dankort, Visa Debit CarteBleue, Maestro

Pre-paid cards

Online banking Facilitate acceptance of local electronic payments

E-wallet

Mobile/SMS/IVR

Alternative payment methods Local Electronic Payments - inbound, outbound and direct debit

Offline Cheque and postal money order processing, scanning solutions, bank transfer collection

Services

Fraud prevention

Credit management

Additional services

Technology

Direct connections?

Batch processing?




87

Company Orca

Website www.orcaone.com


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking ≈

E-wallet ≈

Mobile/SMS/IVR


Offline

Company Pago

Website www.pago.de

Geographical presence Europe, North America

Payment methods

Credit cards

Debit cards

Pre-paid cards ≈

Online banking

E-wallet ≈

Mobile/SMS/IVR ≈


Offline

Company Paybox Services

Website www1.paybox.com


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet ≈

Mobile/SMS/IVR


Offline


88

Company PayByCash

Website www.paybycash.com


Payment methods

Credit cards ≈

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline

Company PayDutch

Website www.paydutch.nl


Payment methods

Credit cards ≈

Debit cards ≈

Pre-paid cards

Online banking

E-wallet ≈

Mobile/SMS/IVR ≈


Offline

Company PayFast

Website www.payfast.co.za

Geographical presence Asia/Pacific, Middle East/Africa

Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline


89

PayXpert, has rapidly gained a reputation for fairly priced, excellent service. Its buying power,

diverse banking network and industry expertise means just one call can get you the best offer. The

group‘s cutting edge technology ensures security and availability across the breath of telecom and

internet payment channels.

Company PayXpert BV

Website www.payxpert.com

Keywords Merchant account, Payment Service Provider, High Risk, Gaming, Adult, IVR, SMS

Contact Scott Barker, UK Sales Director, [email protected]

Geographical presence Europe, Latin America, North America, Middle East

Market segment(s) General E-commerce, Auction, Retail, Gaming, Events, Adult, Astrology, Hotels and Travel


Payment methods

Credit cards Visa, MasterCard, American Express, Diners Club

Debit cards Visa Electon, Visa Delta, Maestro, Switch and Solo (Maestro UK), Carte Bleue

Pre-paid cards

Online banking GiroPay, ELV

E-wallet

Mobile/SMS/IVR Push SMS, MMS, Call Center, Premium Numbers, WAP solutions, IVR applications

Alternative payment methods E-ticketing, login delivered through customizable email

Offline POS terminals available through banking partners

Connected companies (#) 12 Acquiring Banks


Services


Experienced Staff, Bank Independent, simple well documented integration, intuitive web-based reporting, Excellent uptime.

Core services Online payment processing, Premium rate numbers, Push SMS, IVR

Pricing Competitive

Collecting payments


Fraud prevention (measures) AVS, CVV, CV2, 3D Secure available but not mandated, IP Geolocation.BIN range, Merchant configurable velocity checks, Proprietary measures.

Fraud prevention partners Maxmind, Ethoca Fraud Fighting Community


Other services Microbilling, Premium rate numbers

Third Parties McAfee SECURE certified reseller

Technology

Direct connections

Batch processing




Interfaces SOAP, XML, API, PHP, Java

Security HTTPS, SSL, PCI DSS Level 1

http://www.payxpert.com/


90


91

Company PayGate

Website www.paygate.co.za


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline

Company Paylane

Website www.paylane.com


Payment methods

Credit cards

Debit cards

Pre-paid cards ≈

Online banking ≈

E-wallet ≈

Mobile/SMS/IVR


Offline

Company PayLeap

Website www.payleap.com


Payment methods

Credit cards

Debit cards

Pre-paid cards ≈

Online banking

E-wallet

Mobile/SMS/IVR


Offline


92

Company Paylid

Website www.paylid.com


Payment methods

Credit cards

Debit cards

Pre-paid cards ≈

Online banking

E-wallet

Mobile/SMS/IVR


Offline

Company Paylife

Website www.paylife.at


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR ≈


Offline

Company Paymate

Website www.paymate.com

Geographical presence US, Australia, New Zealand

Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline


93

Company PaymentOne

Website www.paymentone.com


Payment methods

Credit cards

Debit cards

Pre-paid cards ≈

Online banking

E-wallet ≈

Mobile/SMS/IVR


Offline

Company PayNearMe

Website www.paynearme.com


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline

Company Paynova

Website www.paynova.com


Payment methods

Credit cards

Debit cards

Pre-paid cards ≈

Online banking

E-wallet ≈

Mobile/SMS/IVR


Offline


94

Company PAY.ON

Website www.payon.com


Payment methods

Credit cards

Debit cards ≈

Pre-paid cards

Online banking ≈

E-wallet

Mobile/SMS/IVR


Offline

Company Payoneer

Website www.payoneer.com


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR ≈


Offline

Company PayPal

Website www.paypal.com


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline


95

Company PayPoint

Website www.paypoint.com


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking ≈

E-wallet ≈

Mobile/SMS/IVR


Offline

Company PayQuicker

Website www.payquicker.com


Payment methods

Credit cards ≈

Debit cards

Pre-paid cards

Online banking

E-wallet ≈

Mobile/SMS/IVR ≈


Offline

Company paysafecard

Website www.paysafecard.com


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline


96

Company PaySimple

Website http://www.paysimple.com


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking ≈

E-wallet

Mobile/SMS/IVR


Offline

Company Paysquare

Website www.paysquare.nl


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline

Company paythru

Website www.paythru.com

Geographical presence Asia/Pacific, Europe, North/Latin America

Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline


97

Company PayTrace

Website www.paytrace.com


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline

Company PayU

Website www.payu.pl


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking ≈

E-wallet ≈

Mobile/SMS/IVR ≈


Offline

Company Payvision

Website www.payvision.com


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline


98

Company PBS

Website www.pbs.dk


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet ≈

Mobile/SMS/IVR


Offline

Company Pivotal Payments

Website www.pivotalpayments.com


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline

Company Plastyc

Website www.plastyc.com


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline


99

Company Platnosci

Website www.platnosci.pl


Payment methods

Credit cards

Debit cards

Pre-paid cards ≈

Online banking ≈

E-wallet ≈

Mobile/SMS/IVR


Offline

Company PlaySpan

Website corp.playspan.com


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking ≈

E-wallet

Mobile/SMS/IVR ≈


Offline

Company plimus

Website www.plimus.com


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline


100

Company Postbank Transact

Website www.postransact.com


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline

Company PostFinance

Website www.postfinance.ch/index.html.en


Payment methods

Credit cards

Debit cards

Pre-paid cards ≈

Online banking

E-wallet ≈

Mobile/SMS/IVR


Offline

Company ProPay

Website www.propay.com


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking ≈

E-wallet ≈

Mobile/SMS/IVR


Offline


101


102

Since 1989, ProgressSoft has been a leading provider of real-time payments and imaging solutions

for the banking and financial sectors. Serving a diversified client base of 140+ banks in 22 countries,

the company offers solutions in the fields of Electronic Image-based Check Clearing, Mobile

Payment, Automated Clearing House (ACH) and Intelligent Signature Recognition.

Company ProgressSoft

Website www.progressoft.com

Keywords ProgressSoft, electronic check clearing, mobile payments, Automated Clearing House, direct debit, direct credit, automated signature verification

Contact Mr. Michael Wakileh – CEO; Tel: +962 6 56 23 000; Email: [email protected]

Mr. Ali Fada – CTO; Tel: +962 6 56 23 000; Email: [email protected]

Geographical presence Middle East/Africa

Market segment(s) Retail (software)


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline Bank Transfer

Connected companies (#)


Services

Unique Selling Points Paperless Environment, Faster Payment Processing, More Accurate Fraud Detection

Core services Electronic Image-based Check Clearing, Automated Clearing House (Direct Debit/Direct Credit), Mobile Payments, Automated Signature Verification

Pricing -

Collecting payments


Fraud prevention (measures) Signature Verification on Checks and any other Financial Documents

Fraud prevention partners


Other services

Third Parties

Technology

Direct connections

Batch processing

Per order processing



Interfaces Web Services, SOAP, XML, Message Queues and TCP

Security HTTPS, SSL, PKI, Digital Certificates and Digital Signatures




103

Company Pure Commerce

Website www.pure-commerce.com


Payment methods

Credit cards

Debit cards

Pre-paid cards ≈

Online banking

E-wallet ≈

Mobile/SMS/IVR


Offline

Company Quadrant

Website www.quadrant.com


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet ≈

Mobile/SMS/IVR


Offline

Company Rahaxi

Website www.rahaxi.com


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet ≈

Mobile/SMS/IVR


Offline


104

Doing business via the internet: fast, safe and simple. Rabobank enables this by providing flexible

online payment solutions. You can use iDEAL and MiniTix as a standalone payment method, but

you could also decide to integrate an online cash register on your website. This way your customers

can pick their payment method of choice.

Company Rabobank

Website www.rabobank.nl search for ―online kassa‘s‖

Contact Mr C.J.Scholte, product manager Financial Logistics, [email protected], (+31) 030 2160429

Geographical presence Netherlands

Market segment(s) All e-commerce activities

Payment methods

Credit cards MasterCard, Visa, Amex, Diners Club

Debit cards

Pre-paid cards

Online banking iDEAL

E-wallet MiniTix

Mobile/SMS/IVR Rabo SMS Betalen

Alternative payment methods Hyves Afrekenen, My Order

Offline

Services

Fraud prevention (measures) Fraud detection module (regarding credit card transactions)

Credit management Multiple currencies: EUR, USD, GBP; Call center solution; Reconciliation via downloadable files with transaction information

Additional services www.rabobank.nl/particulieren/

Technology

Direct connections?

Batch processing?


Tried and trusted by thousands of businesses all over the world, RBS WorldPay supports the

complex payment processing, risk management and reconciliation requirements of the largest

enterprises.

Company RBS WorldPay

Website www.rbsworldpay.com

Keywords PSP, merchant services, acquiring, payment, multi currency, international, cross border

Contact +44 (0)845 301 6251 / local numbers available on www.rbsworldpay.com

Geographical presence North America, Europe, Asia/Pacific

Market segment(s) All segments domestic and international




105

Company RBS WorldPay - continued

Payment methods

Credit cards Visa (incl. VbV), MasterCard (incl. MCSC), American Express, Diners, JCB, Carte Bancaire, Maestro/Switch, Laser, Discover, Dankort

Debit cards Maestro, ELV, Laser, Debit MasterCard

Pre-paid cards

Online banking iDEAL, ELV, Giropay, Yellowpay (PostFinance Card and PostFinance E-finance) and e-banking solutions in various countries

E-wallet PayPal

Mobile/SMS/IVR

Alternative payment methods Mail and telephone, billing, subscription, face to face payments recurring payments (direct debit and standing order style payments from debit/credit cards)

Offline ‗Acceptgiro‘, money transfer, cheques, direct debits, VVV-voucher

Connected companies (#) #50 Acquirers

Companies PSP is connected to +50 major acquirers and banks world-wide

Services


Expertise: decades of experience helping the largest multi-national companies expand internationally with expertise and software to support complex cross-border payment acceptance.

Breadth of payment methods: accept and reconcile a unique breadth of international and country-specific payment methods.

Capacity: high capacity/TPS option for peak load processing (ticketing, online product launch and other event-driven scenarios, for example).

Risk management: tools for automated fraud detection and prevention with consultancy services for analysis, design and optimisation. History in high-risk and gambling sectors but increasingly adopted by merchants in other high-volume sectors (retail, online content, consumer electronics).

Identity and eligibility management: international age and identification services built-in.

Multi-channel: internet, telephone and mail order, face-to-face.

Core services Online payment processing and acquiring for ‗wide reach‘ cross border trading with range of international and local payments methods. Reconciliation and risk management services built-in.

Pricing Based on requirements and volumes

Collecting payments


Fraud prevention (measures) Tiered risk management services to suit including: Risk management experts to analyse your business and design appropriate fraud strategies, tactics systems and procedures; Screening systems to automate detection and prevention; Age and identity checking; Industry specific checks (for example airlines and hotels); Data sharing to ensure fraudulent activity across merchant and sectors; Proven track record reducing fraud for large enterprises

Fraud prevention partners 192.com, Ethoca

Credit management (services) Full range

Other services FX services, Corporate Global Banking, Cash & Liquidity Management, Acquiring/Merchant Services

Third Parties None

Technology

Direct connections

Batch processing




Interfaces HTML, XML (specs on request), numerous shopping carts, increasing numbers of CRM systems

Security HTTPS, SSL+, PCI Compliant


106


107

Realex Payments are a leading European Payment service provider, processing over £8Bn for

3,500 businesses across Europe. Fully PCI Certified by Visa and MasterCard, the company builds

and manages multi channel payment solutions for businesses to exacting standards, in terms of

security, flexibility, innovation and reliability.

Company Realex Payments

Website www.realexpayments.co.uk

Contact Mr Andrew Yoakley, Head Business Development UK & Ireland


Market segment(s) Auction, retail (apparel, electronics, software), travel, gaming, events, other

Payment methods

Credit cards All MasterCard and Visa branded cards. Amex, Diners

Debit cards All MasterCard and Visa branded cards, UKDM/Switch/Solo and Laser

Pre-paid cards All MasterCard and Visa branded cards

Online banking

E-wallet

Mobile/SMS/IVR IVR

Alternative payment methods iDeal and ELV

Offline

Services

Fraud prevention (measures)

Credit management

Additional services

Technology

Direct connections?

Batch processing?


Company Recurly

Website www.recurly.com


Payment methods

Credit cards

Debit cards ≈

Pre-paid cards ≈

Online banking ≈

E-wallet

Mobile/SMS/IVR


Offline


108

Company Redecard

Website www.redecard.com.br


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking ≈

E-wallet

Mobile/SMS/IVR ≈


Offline

Company RentPayment

Website www.rentpayment.com


Payment methods

Credit cards

Debit cards ≈

Pre-paid cards ≈

Online banking

E-wallet ≈

Mobile/SMS/IVR


Offline

Company RevolutionMoney

Website www.revolutionmoney.com


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline


109

Company Rixty

Website www.rixty.com


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline

Company Rollcomm Worldwide

Website www.rollcomm.com

Geographical presence Europe, Middle East/Africa, Asia/Pacific

Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline ≈

Company SafeCharge

Website www.safecharge.com


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking ≈

E-wallet

Mobile/SMS/IVR


Offline

http://www.safecharge.com/


110

Company SaferPay

Website www.saferpay.com

Geographical presence Europe, Asia/Pacific, North/Latin America

Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR ≈


Offline ≈

Company SafetyPay

Website www.safetypay.com


Payment methods

Credit cards ≈

Debit cards ≈

Pre-paid cards ≈

Online banking

E-wallet

Mobile/SMS/IVR


Offline

Company SagePay

Website www.sagepay.com


Payment methods

Credit cards

Debit cards

Pre-paid cards ≈

Online banking

E-wallet

Mobile/SMS/IVR


Offline


111

Company Secure Paytech

Website www.securepaytech.com


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline

Company SecureNet

Website www.securenet.com


Payment methods

Credit cards

Debit cards ≈

Pre-paid cards ≈

Online banking

E-wallet

Mobile/SMS/IVR


Offline

Company SecurePay

Website www.securepay.com.au


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking ≈

E-wallet ≈

Mobile/SMS/IVR


Offline ≈


112

Company Secure Trading

Website www.securetrading.com


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking ≈

E-wallet ≈

Mobile/SMS/IVR


Offline

Company Sepay

Website www.sepay.nl


Payment methods

Credit cards

Debit cards

Pre-paid cards ≈

Online banking

E-wallet

Mobile/SMS/IVR


Offline

Company SIX Pay

Website www.six-pay.com


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline


113


114

Smart2PayTM

is a Payment Service Provider offering alternative, non-reversible online payment

methods (online bank transfer, wallets, vouchers) covering more than 62 countries. Regular bank

transfer is also supported in over 30 countries. The company is a one-stop shop for leading

merchants selling over the internet globally.

Company Smart2Pay B. V.

Website www.smart2pay.com

Keywords online payments, alternative payments, non-reversible, largest global coverage, incredible personal service

Contact [email protected]

Geographical presence Global, Europe, North America, South America, Middle East, Africa, Asia, Pacific

Market segment(s) Travel, Airline, Retail, Gaming, Financial Services, Social Networking, General E-commerce


Payment methods

Credit cards All major brands: Visa, MasterCard, JCB, Amex, Diners

Many local brands worldwide

Debit cards CarteBleue, Maestro, Visa Electron, Chinese debit cards

Many other local cards worldwide

Pre-paid cards Many international and local ones

Online banking Yes (currently we cover 25 different countries)

E-wallet Yes, global coverage of several methods

Mobile/SMS/IVR

Alternative payment methods Yes (currently in 62 different countries)

Offline Bank Transfer in more than 30 countries, quickest reporting

Connected companies (#) 25 Acquirers


Services


Largest payment portfolio of alternative methods worldwide, flexible offering according to merchant‘s needs, incredible Personal Service, in-house IT, changes on-the-fly

Core services Online payment processing

Pricing Please contact us for detailed information

Collecting payments


Fraud prevention (measures) Various fraud prevention mechanisms are in place

Fraud prevention partners Please contact us for detailed information

Credit management (services) Credit management is currently not available

Other services Please contact us for detailed information

Third Parties

Technology

Direct connections

Batch processing




Interfaces Single interface

Security Latest technology

http://www.smart2pay.com/



115

Company Social Gold/Jambool

Website www.jambool.com


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking ≈

E-wallet

Mobile/SMS/IVR


Offline

Company Sofinco

Website www.sofinco.fr


Payment methods

Credit cards

Debit cards

Pre-paid cards ≈

Online banking

E-wallet ≈

Mobile/SMS/IVR ≈


Offline

Company Sterling Commerce

Website www.sterlingcommerce.com


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet ≈

Mobile/SMS/IVR


Offline


116

Company Streamline

Website www.streamline.com


Payment methods

Credit cards

Debit cards

Pre-paid cards ≈

Online banking

E-wallet

Mobile/SMS/IVR


Offline

Company SUI Credit Service

Website www.shimatomo.com/sui/english/service.html

Geographical presence Asia-Pacific

Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline

Company SUI Credit Union

Website www.siucu.org


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet ≈

Mobile/SMS/IVR ≈


Offline


117

Company Telecash

Website www.telecash.de


Payment methods

Credit cards

Debit cards

Pre-paid cards ≈

Online banking

E-wallet ≈

Mobile/SMS/IVR ≈


Offline

Company Thai Epay

Website www.thaiepay.com

Geographical presence Asia

Payment methods

Credit cards

Debit cards ≈

Pre-paid cards ≈

Online banking

E-wallet ≈

Mobile/SMS/IVR


Offline ≈

Company The Universal Air Travel Plan (UATP)

Website www.uatp.com

Geographical presence North/South America, Asia-Pacific, EMEA

Payment methods

Credit cards

Debit cards ≈

Pre-paid cards ≈

Online banking

E-wallet

Mobile/SMS/IVR


Offline


118

Company Transaction Network Services

Website www.tnsi.com

Geographical presence Asia/Pacific , Europe, North/Latin America

Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline

Company Transecute

Website www.transecute.com


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline

Company TransUnion

Website www.transunion.com


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet ≈

Mobile/SMS/IVR


Offline


119

Company Travelex

Website www.travelex.com


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet ≈

Mobile/SMS/IVR


Offline

Company Tsys

Website www.tsys.com


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking ≈

E-wallet

Mobile/SMS/IVR


Offline

Company TWYP

Website www.twyp.nl

Geographical presence The Netherlands, Belgium, Germany, Luxembourg, Poland, Romania

Payment methods

Credit cards

Debit cards

Pre-paid cards ≈

Online banking

E-wallet

Mobile/SMS/IVR


Offline


120


121

Company Ukash

Website www.ukash.com/global/en/home.aspx


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline

Company United Tranz*actions

Website www.acmeft.net


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline

Company UpClick Inc.

Website www.upclick.com


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline


122

Company UseMyServices

Website www.usemyservices.com


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR ≈


Offline

Company Valitor

Website www.valitor.com


Payment methods

Credit cards

Debit cards

Pre-paid cards ≈

Online banking

E-wallet

Mobile/SMS/IVR


Offline

Company Veracity

Website www.veracity.com


Payment methods

Credit cards

Debit cards

Pre-paid cards ≈

Online banking

E-wallet ≈

Mobile/SMS/IVR


Offline


123

Company Verifone

Website www.verifone.com


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline

Company Verotel

Website www.verotel.com


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline

Company Visa

Website corporate.visa.com/index.shtml


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline

http://corporate.visa.com/index.shtml


124

Company Wells Fargo

Website www.wellsfargo.com


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet ≈

Mobile/SMS/IVR


Offline

Company WePay

Website www.wepay.com


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline

Company Wirecard CEE (formerly Qenta)

Website www.wirecard.at/en/home.html


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline


125

Wirecard AG is an international provider of electronic payment and risk management solutions.

Wirecard Bank AG is a Principal Member of Visa and MasterCard, a licensed acquirer for JCB,

Diners Club® and Discover, operating in more than 69 countries around the world. Wirecard AG is

listed on the Frankfurt Securities Exchange (TecDAX, ISIN DE0007472060, WDI).

Company Wirecard AG

Website www.wirecard.com

Keywords online payment, ecommerce, risk management, acquiring, issuing credit cards, online banking, alternative payment methods

Contact Frank Böttger, Vice President Payment & Risk; [email protected], +49 89 4424 1498

Geographical presence Europe, Middle East, Asia Pacific, North America

Market segment(s) Airline/ Travel, Consumer Goods, Digital Goods


Payment methods

Credit cards Visa, MasterCard, American Express, Diners Club, Discover, JCB, UATP, AirPlus, China Unionpay

Debit cards Maestro (Switch/Solo, Maestro UK and Maestro International), CartaSi, Laser Card, Visa and MasterCard debit cards (Visa Electron, Carte Bleue, Carte Bancaire, Dankort, PostePay amongst others), Chinese debit cards, 8 domestic Philippines‘ bank cards

Pre-paid cards paysafecard, cashticket, mywirecard.com, Ukash

Online banking EPS, iDEAL, giropay, sofortüberweisung, ACH

E-wallet PayPal, Moneybookers, WebMoney, @QUICK

Mobile/SMS/IVR paybox

Alternative payment methods Invoice, cash in advance

Offline National Direct Debit (ELV DE/AT), bank transfers, EBICS, SWIFT, SEPA Direct Debit, SEPA Credit,Pago Facil, Boleto Bancário, cash deposits Philippines, SmartMoney

Connected companies (#) Wirecard Bank AG (Acquirer), Wirecard Retail Services GmbH (PoS), Wirecard Communication Service GmbH (Call center)

Companies PSP is connected to Connected to more than 100 acquiring banks worldwide

Services


Extensive portfolio of international and domestic payment methods; Global network of partnering financial institutions and acquiring banks; Unique range of risk management and fraud protection services; Comprehensive financial services based on own banking license. Multichannel approach: supporting all sales channels (Internet, PoS, call center); B2C and B2B Payment Solutions. Integration by means of a single technical interface provides customers with immediate access to more than 85 different payment and risk management methods

Partnership with leading industry-specific service providers such as Amadeus, SITA, Accelya, Experian and e-velopment: Wirecard provides ―end-to-end‖ industry solutions; supporting downstream business processes with interfaces to ERP/merchandise management/logistics/debtor management or accounting systems.

Unparalleled customer service levels and system availability, 24/7 multilingual helpdesk. Staff with extensive industry experience, in various market segments /industries

Core services Payment Processing Services (all distribution channels like Internet, MOTOPoS), Risk Management & Fraud Protection, Financial Services (Acquiring, Banking, Currency Management, Issuing)

Pricing flexible pricing models

Collecting payments


Fraud prevention (measures) Data Analytics, Automated Pattern Detection, Case Management, 3D Secure, CVC, AVS, IP/BIN Verification, Velocity Checks, Black/Whitelists, Account Validation & Scoring, Device Fingerprinting

Fraud prevention partners Interfaces to various 3rd party data providers

Credit management (services) payment guarantee

Other services Strategy Management & Decisioning Solutions; Consumer Identification & Credit Rating (integration to various credit agencies); Point-of-Sale payment Processing and Acquiring; Call center services (stationary, virtual and hybrid); Issuing bank: Wirecard Bank provides co-branded prepaid cards (Visa and MasterCard), Payout cards, Virtual Card Supplier Payout Solution


126


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Company Wirecard AG - continued

Technology

Direct connections

Batch processing




Interfaces SOAP, HTTPS/XML, ISO8583, various batch file formats

Security HTTPS, SSL+, sFTP, PGP encryption

Company WorldNet

Website www.worldnettps.com


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline

Company YESpay

Website www.yes-pay.com


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking ≈

E-wallet

Mobile/SMS/IVR


Offline

http://www.yes-pay.com/


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Yandex.Money is the leading online payment system in Russia accepting payments for more than

2200 merchants and service providers. All payments are irrevocable, chargeback is not possible.

Top-up options include prepaid scratch cards, plastic cards, online banking and cash – suitable for

large unbanked Russia audience. Registered users – 6 000 000.

Company Yandex.Money

Website money.yandex.ru

Keywords Payment collection, payment service provider, payment gateway, e-wallet

Contact Ms Maria Gracheva, Chief Marketing Officer, [email protected], +7 495 7392325 #8120

Geographical presence Russia

Market segment(s) Retail, utility bills, telecom services, online advertising, travel, gaming, events, other


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR

Alternative payment methods yes, cash-in machines

Offline cash, bank transfers

Services

Unique Selling Points Payment collection from all over Russia, even unbanked regions; payments are irrevocable

Core services Online payments for goods and services

Pricing Depends on turnover and market segment

Fraud prevention (measures) All payments are irrevocable – thus, no fraud; 3D Secure, online account validation, Velocity Rules, Blacklisting


Other services Users: Invoicing, OTP authorization, p2p payments

Merchants: Co-branded scratch cards, bonus code distribution system

Third Parties

Technology

Direct connections?

Batch processing?


http://money.yandex.ru/



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Company Youlayaway

Website www.youlayaway.com

Geographical presence North/South America

Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline

Company Zeus Research

Website www.zeusresearch.com

Geographical presence North/South America

Payment methods

Credit cards ≈

Debit cards ≈

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline

Company Zong

Website www.zong.com


Payment methods

Credit cards

Debit cards

Pre-paid cards

Online banking

E-wallet

Mobile/SMS/IVR


Offline

http://www.youlayaway.com/


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www.thepaypers.com