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Provided by S&P Capital IQ Digital Payments Company Descriptions

14 January 2015

Company / Country Description

ACI Worldwide, Inc. develops, markets, installs, and supports software products and services for facili- ACI Worldwide Inc. tating electronic payments worldwide. The company offers products and services covering various domains, including online banking and cash management that manages payments and cash flows United States through the online or mobile channel; managing and processing monetary, non monetary, sales, and account origination financial transactions; and managing trade related transaction types.

Blackhawk Network Holdings, Inc. provides various prepaid products and payment services. It distrib- Blackhawk Network utes digital media and e-commerce, dining, electronics, entertainment, fashion, gasoline, home im- Holdings Inc. provement, and travel closed loop gift cards; and single-use non-reloadable gift cards. The company

also distributes prepaid handsets; and a range of prepaid wireless or cellular cards that are used to United States load airtime onto the prepaid handsets.

Discover Financial Services, a bank holding company, provides a range of financial products and ser- vices in the United States. The company operates in two segments, Direct Banking and Payment Discover Financial Ser- Services. The Payment Services segment operates the Discover Network, a payment card transaction vices processing network for Discover-branded credit cards, as well as for credit, debit, and prepaid cards

issued by third parties. This segment also operates the PULSE network, an electronic funds transfer United States network, which provides financial institutions issuing debit cards on the PULSE network with access to automated teller machines; and point-of-sale terminals at retail locations for debit card transactions.

eBay Inc. operates as a technology company that enables commerce and payments on behalf of us- ers, merchants, retailers, and brands of various sizes in the United States and internationally. The Ebay Inc company’s Payment segment operates Paypal, which enables individuals and businesses to send and

receive payments online and through a range of mobile devices; Bill Me Later that enables U.S. mer- United States chants to offer, and U.S. consumers to obtain, credit at the point of sale for ecommerce and mobile transactions; and Zong, which provides payment services through mobile carrier billing.

Euronet Worldwide, Inc. provides payment and transaction processing and distribution solutions to financial institutions, retailers, service providers, and individual consumers worldwide. The company Euronet Worldwide Inc operates in three segments: EFT Processing, epay, and Money Transfer. The EFT Processing seg-

ment provides electronic payment solutions consisting of automated teller machine (ATM) network United States participation, outsourced ATM and point-of-sale (POS) management solutions, credit and debit card outsourcing.

EVERTEC, Inc. provides various transaction processing services in Latin America and the Caribbean. EVERTEC Inc The company operates in three segments: Merchant Acquiring, Payment Processing, and Business Solutions. The Merchant Acquiring segment provides various merchant acquiring services, which ena- United States ble point of sales (POS), and e-commerce merchants to accept and process electronic methods of payment, such as debit, credit, prepaid, and electronic benefit transfer (EBT) cards.

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Global Payments Inc. provides electronic payments transaction processing services. The company operates in two segments, North America Merchant Services and International Merchant Services. It Global Payments Inc offers processing solutions for credit cards, debit cards, electronic payments, and check-related ser- vices. The company’s services include terminal sales and deployment, authorization processing, set- United States tlement and funding processing, customer support and help-desk functions, chargeback resolution, industry compliance, payment card industry security, consolidated billing and statements, and online reporting.

Heartland Payment Systems, Inc. provides card payment processing services in the United States. It Heartland Payment offers end-to-end electronic payment processing services to merchants by facilitating the exchange of Systems Inc. information and funds between them and cardholders financial institutions; and undertakes merchant

set-up and training, transaction authorization and electronic draft capture, clearing and settlement, United States merchant accounting, merchant assistance and support, and risk management services.

Net 1 Ueps Technolo- Net 1 UEPS Technologies, Inc. provides payment solutions and transaction processing services for gies Inc. various industries in South Africa, Korea, Europe, and internationally. It offers universal electronic payment system (UEPS), a smart-card based alternative payment system for the unbanked and un- South Africa derbanked populations of developing economies and for mobile transaction channels.

Optimal Payments plc provides online payment solutions to merchants and consumers world- Optimal Payments Plc wide. It operates through two segments, and NetBanx. The company provides services to

businesses and individuals to allow the processing of direct debit, electronic cheque, and credit card United Kingdom payments.

QIWI plc, together with its subsidiaries, operates electronic online payment systems primarily in the Plc Russian Federation, Kazakhstan, Moldova, Belarus, Romania, the United States, and the United Arab

Emirates. It provides payment services through operating approximately 127,000 kiosks and 42,000 Russia terminals in its payment processing platform.

The Western Union Company provides money movement and payment services worldwide. The com- The Western Union pany operates in three segments: Consumer-to-Consumer, Consumer-to-Business, and Business Company Solutions. The Consumer-to-Consumer segment offers cash money transfer services involving walk-in agent locations. This segment provides various options for sending and receiving funds, including United States walk-in and telephone money transfer, online money transfer, account based money transfer, direct to bank, and mobile money.

Vantiv, Inc. provides electronic integrated payment processing services in the United States. It oper- Vantiv Inc ates in two segments, Merchant Services and Financial Institution Services. The Merchant Services

segment offers integrated acquiring and processing transactions, value-added services, and merchant United States services for banks and credit unions.

VeriFone Systems, Inc. designs, markets, and services electronic payment solutions at the point of Systems Inc. sale (POS) worldwide. It provides countertop electronic payment systems that accept card payment options, such as NFC, mobile wallets, chip and PIN, and contactless payments, as well as support United States credit and debit card, EBT, EMV, and other PIN-based transactions; an array of software applications and application libraries; and portable solutions that support 3G, GPRS, Bluetooth, and WiFi.

Visa Inc., a payments technology company, operates as a retail electronic payments network world- wide. The company facilitates commerce through the transfer of value and information among financial institutions, merchants, consumers, businesses, and government entities. It owns and operates VisaNet that is involved in the authorization, clearing, and settlement of payment transactions; and Visa Inc provision of fraud protection for account holders and assured payment for merchants. The company

also offers a range of issuer processing services for participating issuers of Visa debit, prepaid, and United States ATM payment products. In addition, it provides electronic payment, risk management, and payment security solutions to online merchants; digital goods transactions services in online games, digital me- dia, and social networks; and mobile financial services for mobile network operators and financial insti- tutions in developing economies.

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Wirecard AG provides outsourcing and white label solutions for electronic payment transactions. The AG company operates through three business segments: Payment Processing and Risk Management, Acquiring and Issuing, and Call Center and Communication Services. The Payment Processing and Germany Risk Management segment provides products and service for the acceptance or implementation, and the downstream processing of electronic payments and the associated processes.

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