Horn Sounding on the Future of Freight Delivery

X-BORDER PAYMENTS OPTIMIZATION TRACKER JUNE 2016

A MONTHLY UPDATE ON THE TRENDS AND PLAYERS DRIVING CROSS-BORDER PAYMENTS Horn Sounding On The Future Of Freight Delivery

Paysafe’s payment technology can now process more than 100 currencies 57 percent of gamers are using PayPal or credit cards to make Alibaba reported a their online purchases year-on-year mobile growth of 192 percent X-Border Payments Optimization TrackerTM

Table of Contents

03 What’s Inside

04 Cover Story

08 Methodology

09 Top 20 Rankings

14 Watch List – New Additions

15 X-Border Payments Optimization LandscapeTM

16 News & Trends

20 Scorecard

68 About

By all but eliminating physical boundaries, cross-border solutions are giving a whole new meaning to the phrase “it’s a small world.” In an age where the fiscal distance from the U.S. to Europe to China has been reduced to a few swipes on a smartphone, international economies are increasing their digital dependence on each other. This month, a number of countries embraced this global shrinkage, while others attempted to rebuild borders through the tightening of trade policies.

With a more interactive international market comes new hurdles for the freight industry. For June’s cover story, PYMNTS sat down with Andrew Fine, CFO of Freightos, a sales automation platform for the shipping industry, to discuss these challenges and the technological future of cross-border trade.

Also included in this month’s Tracker are news highlights from throughout the cross-border payments movement. Here’s a peek at some recent headlines that showcase the global scope of cross-border initiatives.

Leveraging multi-player collaborations to create cross-border opportunities Amazon China recently forged a partnership with the city of Hangzhou, China, the capital of the country’s Zhejiang Province. The metropolis is joining forces with the eCommerce giant in an effort to create more cross-border opportunities for local merchants. Hangzhou’s retailers will now be able to set up Amazon-hosted digital shops, which will allow them to market their products to an international audience.

As small-scale Hangzhou merchants begin to expand their cross-border operations, retailers in Turkey may soon have to do the opposite. Per government orders, Turkish retailers will no longer be able to accept payments made via PayPal starting June 6. The digital payment solution, which was banned for failing to meet federal requirements, was utilized by numerous Turkish businesses – for whom its absence could be financially detrimental.

Despite Turkey’s backpedaling on cross-border payment adoption, plenty of consumers around the world are facilitating international transactions every day. Nowhere is this trend more visible than in the online gaming world, which has become an unexpected source of major revenue for the online payments industry. allpago released a survey that revealed digital gaming communities, especially those within the U.S., Russia and Latin America, to be significant participants in cross-border commerce. Gamers are most likely to pay for purchases via credit cards and PayPal.

X-Border June Tracker Updates In this issue, we’ve profiled 93 global payment service providers, including four new players: Apco Pay, Global Payments, ONPEX and Planet Payment. We’ve also updated four players: Chase Paymentech, Computop, First Data, Paysafe and TSYS.

...a technological evolution “ taking place in the world of cross-border trade...”

Horn Sounding On The Future Of Freight Delivery Today, thanks to convenient technological advancements, a vast number of merchants – from mom-and-pop shops to traveling retailers – are increasingly able to accept payments via mobile solutions. Even lemonade stands can take credit cards if they’re equipped with a smartphone or tablet.

It may come as a surprise, then, that the freight shipping process involved in transporting many merchants’ products has traditionally lagged behind in technological adoption.

Andrew Fine, CFO of Freightos, which provides a sales automation platform for clients in the freight services sector, explained that cross-border B2B trade has yet to complete the transition from paper to digital.

“The industry is very, very old-fashioned – we’ve been getting paid by paper checks by some of our app customers – this is how outdated the industry is,” he said. “Every shipment has to have physical documents shipped with the shipment or FedExed over before the shipment gets there, it’s actual paper that’s still involved here.”

With Freightos, Fine is attempting to change all this. The software-as-a-service platform is an intermediary solution where international importers and exporters can organize contracts and manage/automate quotes and sales, all from their own web pages. According to Fine, the technology is bringing a “paradigm shift” to the shipping industry.

“It’s bringing freight forwarding online,” he explained.

PYMNTS recently caught up with Fine to take a closer look at what’s happening in the world of cross-border shipping and to discuss the digital future of international trade.

Breaking down the barriers of cross-border shipping Even the simplest cross-border transactions present numerous challenges on both sides. When just one item is purchased from an international consumer, a slew of factors – from taxes to shifting currency rates – affect the payment process, as well as the price.

The freight industry deals with this concept on a much larger scale (according to Fine, around a trillion dollars is spent each year on international shipping). The sector’s financial magnitude, paired with its constantly fluctuating nature, creates what Fine calls a “fragmented market.”

“The difficult thing is that rates for quoting freight shipments are very, very complex,” he said. “It’s not like Amazon – where you have ...for smaller companies a price of a book or a CD or a watch or anything else – or any other marketplace. With any shipping request there are potentially 6, 7 or who need the level of 8 different prices to get the quote out to a customer.” “ service only afforded Add paper checks into the mix, and the industry’s complexity only to companies with a intensifies. For Fine, a way to consolidate this intricate and largely antiquated process in a streamlined digital format seemed like the hundred billion dollars freight industry’s missing puzzle piece. in turnover, it’s very

Enter Freightos, which offers shippers a virtual home base for their challenging.” freighting needs.

“We had to build a platform that took rates – which are structured differently with every single freight forwarder – to develop a unified format which was being kind of adopted throughout the industry on our side of it, having to create and upload it into a system, so that when a shipper, let’s say, is able to request the shipment quote, and we have the unified format to actually pull in quotes from all the different freight forwarders on the marketplace,” he explained.

Currently, Freightos is part of a technological evolution taking place in the world of cross-border trade, as it’s helping fill financial shipping gaps with digital services. The solution has proved particularly useful among smaller companies, most of which don’t have the resources to forge personal relationships with banks. These connections are useful, if not necessary, in the cross-border shipping game, as even the smallest shippers require some degree of personal attention from their financial institutions.

“[Big-name players] probably don’t have that much of an issue, but for smaller companies who need the level of service only afforded to companies with a hundred billion dollars in turnover, it’s very challenging,” Fine said.

Global challenges and the future of freight While widespread international trade offers numerous benefits to consumers, merchants and local economies, being a truly international company presents many challenges. Although Freightos has leveraged technology to help simplify worldwide trade, its status as a global company means that obstacles are omnipresent.

“It’s incredibly complex being cross-border, and by definition of freight is cross-border. The freight industry as an industry is very, very regimented. The process is very, very clear. The financial process behind that when building a marketplace does not exist,” Fine said.

Since banking guidelines vary immensely from country to country, Fine explained that expanding to provide services across the globe is easier said than done. For example, he cited Chinese banking regulations as extremely strict, and that they differ greatly from those in the U.S. and other Western nations. When a company is focused on enabling streamlined cross-border trade, however, creating international solutions that transcend varying banking structures is essential, he said.

“Being a global company as a startup is very, very challenging. Identifying where you save money – but by definition also spend money – and have the infrastructure established is what’s challenging,” Fine said.

In addition to discrepancies in global banking regulations, Fine also cites a lack of international real-time banking as a key operational struggle.

“There are massive gaps between making payments and actually receiving funds. They can’t just have some kind of setup where I can get Identifying where identified, any solution out there, that can collect funds from anywhere in the world, in a very efficient manner, and make a single payout to a you save money... single recipient,” he said. “In lieu of having platforms that do that, we’re and have the going to have to build our own platform… But having to build my own “ structure around a banking structure and having global reach and having infrastructure local abilities to receive funds so I’m not paying massive cross-border established is transaction fees on incoming funds, it can be very challenging.” what’s challenging.” Taking a page from Amazon’s book Currently, Fine and his team are drawing inspiration from Amazon, which has expanded its services significantly since it became an eCommerce giant.

“Amazon’s game all along has been to identify areas of local integration and just nail it. Thinking about deliveries, they’ve actually become a freight forwarder that’s actually providing deliveries. Not just the ‘buy and sell,’ but they’re also going to make the deliveries.”

According to Fine, he learns from the way Amazon is “not just providing freight, but providing everything related to freight, going beyond that and providing financing relating to freight.”

Down the line, Fine hopes that a global payment platform will be developed to simplify the many moving pieces of cross-border trade without charging exorbitant fees. He noted that this platform will likely emerge from partnerships between financial and freight companies, as both sectors are crucial to increasing cross- border efficiency.

“Can we do it on our own? Probably not. Can we find partners or will banking structures sprout up that help actually facilitate this? I’d like to think so, yeah,” he said.

X-Border Payments Optimization TrackerTM The PYMNTS.com X-Border Payments Optimization Tracker™ is designed to provide an organizing framework for evaluating the many players that provide merchant payment processing services geared for cross-border payments.

Provider Profiles We identified leading cross-border payment service providers by researching numerous industry directories and Google searches. The list of providers will grow over time.

We researched provider websites to gather information on key attributes important to serving the needs of cross-border merchants. Scoring for the X-Border tracker includes:

Payment Methods  Payment methods, digital wallets, account-on-file, recurring billing, acquirers connected to, and acquirer services

Geographies  Regions served, currencies and languages, and office locations

Fraud Tools PCI compliance, tokenization, 3D Secure, address verification services, order linking,  proxy piercing, transaction scoring, end-to-end encryption, chargeback automation, IP geolocation, device fingerprinting, velocity checks, screening lists, outsourced operations

Risk/Compliance Services  Export and tax compliance, tax burden, and merchant of record

Developer Toolkits  APIs, eCommerce plug-ins, programming languages, shopping carts, account updater services

Omnichannel  Mobile and tablet POS, number of operating systems supported, and EMV

X-Border Payments Optimization TrackerTM Top 20

Rank Company Score 25 20 CardinalCommerce is the pioneer and global leader in enabling authenticated payment transactions in the card-not-present payments industry since 1999. Through one connection to its proprietary SafeCloud payment Tie platform, CardinalCommerce enables friction-free, technology, neutral authentication and alternative payment services (including digital wallets and mobile commerce services).

25 20 Computop is a global payment service provider (PSP) that provides eCommerce, point of sale, m-commerce and Mail Order and Telephone Order (MOTO) payments globally. The company, founded Tie in 1997, is headquartered in Bamberg, Germany, with local teams in the U.S., U.K. and China. Computop processes transactions totaling $9+ billion per year, for over 2,800 large international merchants in retail...

Smart2Pay is a payment service provider specializing in Internet payments since 2002. It’s based in 19 Amsterdam, with additional offices in Spain, Brazil, the U.S. and Romania. The company has partnered with many banks and financial institutions all over the world and it offers a one-stop shop for leading merchants selling goods or services globally via the Internet.

27 17 Transpay is a B2B/B2P cross-border payments platform. The company’s platform uses robust end-to-end technology to enable instant transfers across its global proprietary network. Funds are delivered in local Tie currency either to a recipient’s bank account or a preferred cash pick-up location. Customers include Google and Upwork, the leading global freelancer platform. Transpay is backed by GCP Capital Partners...

27 17 Merchants in more than 40 countries across North America, Europe and Australia can accept payments in more than 130 currencies using Braintree. Tie

28 15 PAY.ON is a worldwide provider of white-label global payment gateway solutions. Its products include PaySourcing, a payment processing solution that permits outsourcing of payment and risk management Tie systems, and PayPipe, which is an e-gateway used for processing payment transactions in various currencies. The company also provides access to a payment platform that offers multi-currency and cross-border...

28 15 BitPay is a payment service provider specializing in the peer-to-peer virtual currency bitcoin, which allows users to make instant transactions from anywhere in the world with no risk of fraud or chargebacks. Using Tie BitPay, merchants can accept bitcoin as a payment method, just like they would with Visa, MasterCard, PayPal or cash. Merchants can choose what percentage of revenue is kept in bitcoin or converted to a fiat currency...

30 13 First Data is a provider of payment technology and services solutions, with 24,000 owner-associates and operations in 35 countries. Businesses in nearly 70 countries use First Data to process nearly 2,000 Tie financial transactions per second, totaling $1.8 trillion a year. First Data’s infrastructure consists of point-of-sale technology powered by analytics.

30 13 Linkpay is a 100 percent cloud-built payment solutions platform. Its solutions help online and mobile businesses accept credit cards using cloud technology. Linkpay handles everything, including merchant Tie accounts, gateway, storing cards, subscriptions, PCI security and direct payout to bank accounts.

Since 2002, eMerchantPay has been a trusted payment service provider, partner and specialist that has 12 delivered international online payment processing services to merchants across the globe. eMerchantPay’s payment processing solutions and fraud prevention services enable merchants to increase conversion ratios, expand customer reach and prevent fraud.

Hyperwallet is a purpose-built payout platform that empowers businesses to quickly, cost-effectively, and 11 transparently distribute funds to independent contractors, suppliers and resellers anywhere in the world. Hyperwallet’s payments platform and global settlement network enables businesses to distribute funds to 170+ countries in more than 150 currencies. The company’s range of flexible payout options includes local...

Paysafe is a provider of payment solutions to businesses and consumers in 200 countries and territories. 10 Merchants can use Paysafe´s services and gateway platforms on their websites to accept credit and debit card, direct-from-bank, and alternative and local payments. Paysafe was created in November 2015 as a result of the Optimal Payments’ acquisition of Skrill Group earlier that year.

Vantiv is a leading payment processor differentiated by an integrated technology platform. Vantiv offers 9 a comprehensive suite of traditional and innovative payment processing and technology solutions to merchants and financial institutions of all sizes, enabling them to address their payment processing needs through a single provider.

36 7 Chase Paymentech provides products and services for point-of-sale and card-not-present environments. Chase Paymentech offers payment solutions such as credit and debit cards, international payments, Tie and electronic check processing as well as digital, alternative and mobile payment options.

36 7 Adyen is a payments technology company that provides businesses with a single global platform to accept payments anywhere in the world. Driven by a vision to improve customer experience, streamline processes Tie and increase revenue, Adyen enables businesses to process payments across online, mobile and point of sale (POS), with over 250 payment methods and 187 transaction currencies.

40 5 Pitney Bowes offers global ecommerce solutions that manage the cross-border shopping experience including, website localization and management, fully-landed costs and compliance, payment processing Tie and international logistics. Pitney Bowes helps retailers, brands and online marketplaces sell to customers in more than 220 countries and territories and more than 74 currencies.

40 5 CyberSource is a wholly-owned subsidiary of Visa Inc. Over 400,000 businesses worldwide use CyberSource and Authorize.Net brand solutions to process online payments, streamline fraud management, and simplify Tie payment security. The company maintains offices throughout the world, with regional headquarters in Singapore, Tokyo, Miami, Sao Paulo and Reading, U.K.

BlueSnap is a global payments technology company that optimizes global, mobile checkout and drives higher 4 payment conversions by as much as 40 percent for eCommerce merchants worldwide.

53 2 Worldpay provides an extensive range of technology-led payment products and services to over 400,000 customers, allowing them to accept more than 300 different payment types around the world. The company Tie processes payments from geographies covering 99 percent of global GDP, across 146 countries and 126 currencies. Through a single integration, Worldpay provides an end-to-end service including acquiring...

53 2 Designed to increase speed to revenue while reducing risk, Digital River World Payments enables merchants of all sizes to process online payments through over 200 international payment options in more than 170 Tie currencies. In 2014, Digital River World Payments processed more than $35 billion in online transactions across more than 240 countries and territories. In addition to international payment processing...

Ingenico ePayments is the online and mobile commerce division of Ingenico Group. It combines GlobalCollect 1 and Ingenico Payment platforms into a single organization.

New Additions to the X-BorderTM Tracker

Apco Pay

Global Payments

ONPEX

Planet Payment

The X-Border LandscapeTM is a graphic representation of the Top 10 payment service providers in six categories important to optimizing a merchant’s cross-border payments operations. The highest ranked providers are listed to the right of the graphic.

Among the five new companies added to the Tracker, Acapture, Barclaycard and MultiSafepay broke into the Top 10 ranking.

Industry standard Best-in-class

 Payment Methods    

 Geographies    

 Developer Tools   

 Risk and Compliance     

 Fraud Tools     

 Omnichannel   

Indicates top scoring company in at least 4 categories.  *Top 10 are based on final scores. There may be ties in each position, creating more than 10 companies per category.

Geographies Turkish regulator deals blow to cross-border commerce After June 6, Turkish consumers will no longer be able to pay via PayPal, and Turkish businesses will no longer be able to accept PayPal transactions. The decision, which was ultimately enforced by President Recep Tayyip Erdogan, was determined after PayPal failed to meet licensing requirements established by The Turkish Banking Regulation and Supervision Agency. The rule is expected to have the greatest impact on small businesses reliant on cross-border transactions to stay afloat.

Giving small-town Chinese merchants cross-border opportunities The city of Hangzhou, China, recently signed an MoU with Amazon China that give the area’s local merchants access to the digital retailer’s cross-border consumer base. The eCommerce pilot will allow retailers to set up online stores on Amazon’s site and make transactions with people in the U.S., Canada, Germany, the U.K., Italy, Spain, France, Mexico, Japan and China.

Payment Credorax and Computop announce cross-border collaboration German company Computop and Boston-based Credorax recently announced that they will be forming a partnership. The collaboration will give merchants using Computop’s Paygate platform the ability to conduct cross-border transactions. Merchants will also gain access to local BINs, empowering them to “optimize interchange costs and approval rates.”

Ingenico ePayments recognized at 2016 CNP Expo Ingenico ePayments, the eCommerce division of the Ingenico Group, took home the Best International CNP Program Award at the recent 2016 CNP Expo, held in Orlando, Florida. The company was chosen because its solution provides cross-border and cross-channel efficiency for card-not-present transactions.

Paysafe launches cross-border capabilities in Europe Global payment solution provider Paysafe recently announced the release of its cross-border acquiring solutions for European clients. Now, companies within the European Economic Area can take advantage of Paysafe’s “full-service processing solutions.” Paysafe’s payment technology is PCI-compliant and processes over 100 currencies.

MasterCard to enhance processing within Asian economies MasterCard recently announced a new platform, MasterCard Integrated, which will empower issuers and acquirers across the Asia-Pacific region with the ability to make more efficient and secure transactions. The solution is being touted as a “comprehensive suite of services and tools” that includes top-notch safety features and faster processing speeds.

Banca Sella joins forces with Smart2Pay Banca Sella Group and Smart2Pay recently joined forces. The partnership will allow Banca Sella’s top merchants to utilize Smart2Pay’s payment solutions, kicking off with its UnionPay cards, which are used by many shoppers in China, as well as globally. Banca Sella hopes the initiative will allow it to extend its operations around the world.

Compliance Fear of eCommerce decline prompts China to postpone cross-border tax Chinese tax officials recently backpedaled on plans to implement across-border sales tax program, citing concerns of an eCommerce slowdown. The program’s launch has been postponed for one year, during which time authorities will work on ways to make the transition more seamless and beneficial for the growth of cross- border eCommerce in China. The new regulation stipulates that cross-border purchases of over $307 for a single transaction and $3,075 for yearly transactions (per person) will be accompanied by a full general trade tax.

EU said to ease cross-border commerce rules The EU recently issued a proposal that would create opportunities for cross-border transactions. Part of the proposal would prohibit businesses from only showing consumers web pages for their own countries without displaying international options. The proposal, which must be approved by the European Parliament, would have the largest effect on major retailers like eBay and Amazon, as well as merchants selling location-based services.

Amazon to support cross-border transactions for European vendors Online retailer Amazon.com announced it will now deliver European merchants’ products to consumers located anywhere in the European Union. This is the latest push by Amazon to monopolize eCommerce deliveries throughout the EU. This initiative is expected to have an impact on Europe’s existing courier companies, including TNT Express and Royal Mail.

Online gaming proves to be a win for the payments industry As the international online gaming community continues to expand, so too does its positive impact on the online payments industry. A recent survey from allpago revealed that 30 percent of gamers pay for services via credit card, 27 percent use PayPal, and 2 percent pay through e-wallets and mobile solutions. While the U.S. is home to 170 million digital gamers, Russia and Latin America are experiencing the largest rates of online gamer growth.

Omnichannel Alibaba’s mobile snapshot: quarterly earnings data Alibaba, the Chinese eCommerce player, recently unveiled its quarterly earnings data. The report revealed that the company was, as its CEO stated, “crushing mobile,” as it experienced a year-on-year mobile revenue growth of 192 percent. The data also indicated that there is a large demand among Chinese consumers for foreign goods and cross-border transactions.

Fraud and Security Brazil tops worst cybersecurity list According to a recent report, Brazil is the worst country for cybersecurity. Researchers discovered that about 50 percent of Brazilian businesses practice insecure peer-to-peer file sharing via corporate networks at a significantly higher rate than companies in other countries. There is speculation that the nation’s lack of reliable digital security could be problematic this summer, as thousands of international consumers will head to Rio De Janeiro for the Olympic games.

Trulioo expands cross-border ID verification Identity verification company Trulioo announced that its solution, GlobalGateway, will soon be available in India, Russia, China and Brazil. The expansion is intended to open up more cross-border commerce offerings to these nations’ emerging middle classes. GlobalGateway allows clients to perform instant ID verifications for more than 4 billion people through one API integration.

Online fraud’s biggest problem: scale The latest Benchmark Report from CyberSource revealed that while online cross-border fraud rates are higher than domestic ones, they are quickly on the decline. The report found that average revenue lost to eCommerce fraud on mobile dropped from 1.4 percent in 2012 to 0.5 percent in 2016. The most adopted fraud detection tools are address verification services, followed closely by card verification numbers.

ONPEX and Ethoca announce partnership against fraud The Online Payment Exchange and Ethoca announced that they will be teaming up. The collaboration means ONPEX will offer Ethoca’s solution to its merchant consumers, allowing them to eradicate fraud and high rates of chargebacks. Chargebacks are a growing issue for merchants in the U.S., who spent an estimated $11.8 million on these fees in 2014.

Developers Vantiv expands online footprint 3dcart, an online shopping cart provider, recently announced it would be collaborating with Vantiv to offer more eCommerce choices to 20,000 digital shopping sites. The company’s merchant consumers will be given the option to integrate Vantiv into their existing solutions, a step that 3dcart says will lower fraud risk, optimize approvals and enhance customer support.

3scale now offers Adyen payment gateway integration 3scale, the API Management Platform serving API providers, recently integrated with Adyen’s payment gateway. The purpose of the new partnership is to allow “even more companies to monetize their APIs.” The integration will be offered to API providers on 3scale plans with billing and monetization features.

The PYMNTS.com X-Border Payments Optimization Tracker™ is designed to provide an organizing framework for evaluating the many players that provide cross-border merchant payment processing services.

Provider profiles include company overviews, the year the company launched, and number of customers and annual revenue, when available. Profiles also include a total score derived from quantifying the services offered in each of six areas important to cross-border payments:

Risk and Geographies Compliance  

Fraud Developer Tools  SCORE  Tools  

Payment Omnichannel Methods

Directory listings begin on next page 

Risk Geographies

0 3

Launch Date: 1999 Fraud 3 11 0 Developer Customers: 100,000 5 0

Payments Omnichannel

2000Charge/Global Clearing Solutions specializes in alternative payment solutions, covering a broad spectrum of payment methods and target markets. 2000Charge provides a complete solution that includes integration, end user support, transaction management tools, geotargeting, fraud controls and more.

Risk Geographies

0 2

Launch Date: 1999 Fraud 5 14 0 Developer Customers: 50,000 Pricing: 2.9% + $0.30 5 2

Payments Omnichannel

2C2P (Cash and Card Payment Processor) is a Southeast Asian comprehensive payment solutions provider aiming to transform millions of everyday payments across Asia. The company offers a number of services tailored for the needs of eCommerce and m-commerce merchants, banks and financial institutions of all sizes.

Risk Geographies

0 9

Launch Date: 1999 Fraud 4 24 6 Developer Customers: 50,000 Pricing: 2.9% + $0.30 3 2

Payments Omnichannel

2Checkout is a global payments provider that enables businesses and organizations to accept payments anywhere, anytime. The solution offers eight payment methods in 26 currencies, and can settle in 25 home currencies. 2Checkout offers both hosted checkout forms and APIs, and integrates with more than 100 shopping carts.

Risk Geographies

2 4

Launch Date: 2004 Fraud 7 20 4 Developer

3 0

Payments Omnichannel

Abilipay Ltd. is an outsourcing service provider that specializes in payment processing, risk management, billing and credit control. The company’s efforts are geared toward Web-based merchants, covering a wide range of payment methods and target markets.

Risk Geographies

0 3

Launch Date: 2000 Fraud 3 18 5 Developer Customers: 10,000 5 2

Payments Omnichannel

With more than 15 years of expertise in the e-commerce industry MultiSafepay provides international and multi-channel payment solutions and services for 8.000 SME and large enterprise clients across Europe. Operating by one platform, the company offers payment solutions for any device including online, mobile, subscription services, wallet payments, phone & email payments and split payments. Its unique apps for iOS and Android enable merchants to control payments anytime and anywhere.

Risk Geographies

0 6

Launch Date: 2000 Fraud 7 15 1 Developer

1 0

Payments Omnichannel

Accertify Inc., a wholly-owned subsidiary of American Express, is a provider of fraud prevention, chargeback management and payment gateway solutions for merchants spanning many industries worldwide. Accertify’s suite of products and services helps eCommerce companies grow their business by driving down the cost of fraud, simplifying business processes, and ultimately increasing revenue.

Risk Geographies

0 9

Launch Date: 2006 Fraud 9 36 2 Developer Customers: 3,500 11 5

Payments Omnichannel

Adyen is a payments technology company that provides businesses with a single global platform to accept payments anywhere in the world. Driven by a vision to improve customer experience, streamline processes and increase revenue, Adyen enables businesses to process payments across online, mobile and point of sale (POS), with over 250 payment methods and 187 transaction currencies.

Risk Geographies

0 0

Launch Date: 2004 Fraud 0 9 2 Developer Customers: 300 million users Pricing: 2.0% - 3.0% 5 2

Payments Omnichannel

Launched in 2004 as an important participant in Alibaba Group’s ecosystem, Alipay provides secure, trustworthy, and convenient online and mobile payment services. Alipay currently collaborates with over 200 financial institutions and provides payment solutions for nearly 10 million small and micro businesses. As of December 2013, Alipay reached 300 million real-name registered users.

Risk Geographies

0 10

Launch Date: 2002 Fraud 3 22 5 Developer Customers: 125 million users Pricing: 1.95% +$0.20 4 0

Payments Omnichannel

Allied Wallet continues to influence the eCommerce industry by introducing new and innovative payment processing solutions for online merchants, helping them to send and receive global payments. With PCI compliant merchant services for businesses of different sizes, Allied Wallet provides a state-of-the-art payment gateway to optimize online transactions.

Risk Geographies

2 2

Launch Date: 2008 Fraud 1 11 3 Developer

3 0

Payments Omnichannel allpago operates as a payment gateway in Latin America, serving merchants and payment service. With one integration, it provides access to Visa, MasterCard, Diners, Amex, Discover, Elo, Boletos (Itaú, Bradesco), PayPal Brazil and over 150 payment methods worldwide. An API solution with a full set of transaction and post- transaction operations allows the solution to have 100% ERP integration.

Risk Geographies

0 3

Launch Date: 2008 Fraud 3 13 2 Developer Customers: 40 5 0

Payments Omnichannel

AltaPay is a global payment management company, headquartered in Copenhagen, Denmark. Founded in 2008, the company (formerly known as Pensio) provides eCommerce businesses with global payment processing solutions. AltaPay’s customers include Arvato Bertelsmann, boohoo.com, ECCO, Kate Spade, Live Gamer, and Toys “R” Us.

Risk Geographies

0 3

Launch Date: 2007 Fraud 2 15 4 Developer Pricing: 2.9% + $0.30 6 0

Payments Omnichannel

Checkout by Amazon is a complete checkout and payment solution for eCommerce retailers. Merchants can offer the solution as a checkout or payment option on their retail websites, enabling millions of Amazon customers to make purchases using the information stored in their existing Amazon.com accounts.

Risk Geographies New! 0 6

Launch Date: 1984 Fraud 5 22 3 Developer

8 0

Payments Omnichannel

Apco Pay is is the online payment solutions branch of Apco Group. Apco is a provider of hardware and automation products to the banking industry. The company is headquartered in Malta, with operations in 25 countries. Apco was recently acquired by PTLi, part of the Hili Ventures.

Risk Geographies

0 2

Launch Date: 1987 Fraud 3 14 1 Developer Pricing: $250/month 7 1

Payments Omnichannel

Since 1987, Auric has been producing affordable and accessible payments processing solutions. As a payment application solutions provider, Auric aims to transform payments security and provide high-quality solutions that empower businesses with safe payments processing and PCI compliance. The company serves customers ranging from small and medium-sized businesses to some of the world’s largest companies and public sector organizations.

Risk Geographies

0 3

Launch Date: 1996 Fraud 7 18 1 Developer Customers: 400,000 3 4

Payments Omnichannel

Since 1996, Authorize.Net has been a provider of payment gateway services, managing the submission of billions of transactions to the processing networks on behalf of merchant customers. Authorize.Net is a solution of CyberSource Corporation, a wholly owned subsidiary of Visa.

Risk Geographies

4 12

Launch Date: 2006 Fraud 3 22 1 Developer Pricing: 4.9% + $2.5 2 0

Payments Omnichannel

Avangate is a digital commerce provider that enables the new services economy, helping software, cloud and online services companies sell their products and services via any channel, acquire customers across touchpoints, increase retention, leverage smarter payments, experiment on the fly and optimize their business in order to increase overall revenue.

Risk Geographies

4 4

Launch Date: 1999 Fraud 3 15 1 Developer Customers: 1 billion user Pricing: 2% - 5% 1 2

Payments Omnichannel

Bango powers payment and analytics on the mobile Web. The solution’s presence across the Web creates a platform effect for partners by identifying hundreds of millions of users and maximizing the number of one- click payments. Bango’s customers include Facebook, BlackBerry World, Windows Phone Store, Amazon, CNN, Cartoon Network and EA Mobile.

Risk Geographies

0 3

Launch Date: 2009 Fraud 6 12 1 Developer Customers: 300,000 Volume: 13.5B annually 0 2

Payments Omnichannel

Bank of America Merchant Services, a joint venture between First Data and Bank of America, provides payment solutions by combining the technology and innovative products of First Data with the relationship strength and prominent global brand of Bank of America. Bank of America Merchant Services delivers payments, commerce, security and advice through more than 100 products and services to merchants of all sizes.

Risk Geographies

0 4

Launch Date: 1966 Fraud 2 15 4 Developer Customers: 23,500,000 Volume: $371B 1 4

Payments Omnichannel

Barclaycard, part of Barclays Bank PLC, is a global payment business that helps consumers, retailers and businesses to make and take payments flexibly, and to access short-term credit and point of sale finance. The company is a pioneer of new forms of payments and is at the forefront of developing viable contactless and mobile payment schemes for today and cutting edge forms of payment for the future.

Risk Geographies

0 7

Pricing: 2.1% - 3.5% fee Fraud 3 15 2 Developer

3 0

Payments Omnichannel

BillPro offers secure payment solutions for low- and high-risk industries. BillPro offers credit card, eCheck, ACH and international bank payments for all business types. BillPro also offers a Level 1 PCI DSS Compliant payment gateway that is fully integrated with many of the world’s largest gateways and shopping carts.

Risk Geographies

0 5

Launch Date: 2004 Fraud 3 9 0 Developer Pricing: 1% fee on every purchase 1 0

Payments Omnichannel

BitGold Inc. is a platform for savings and payments in gold. It provides users with a secure vault account to purchase gold using a variety of electronic payment methods and transaction capability including: instant cross-border gold payments, merchant invoicing and processing for gold, debit card spending of gold at traditional points of sale, conversions to a customer’s external digitalwallet or bank, and physical gold redemptions.

Risk Geographies

2 8

Launch Date: 2011 Fraud 0 28 7 Developer Customers: 60,000 Pricing: $0 transaction fees 7 4

Payments Omnichannel

BitPay is a payment service provider specializing in the peer-to-peer virtual currency bitcoin, which allows users to make instant transactions from anywhere in the world with no risk of fraud or chargebacks. Using BitPay, merchants can accept bitcoin as a payment method, just like they would with Visa, MasterCard, PayPal or cash. Merchants can choose what percentage of revenue is kept in bitcoin or converted to a fiat currency and direct deposited into their bank account. BitPay has also eliminated processing fees.

Risk Geographies

0 2

Launch Date: 2003 Fraud 2 13 3 Developer Customers: 36,000 Volume: $11B 2 4

Payments Omnichannel

BluePay is a provider of technology-enabled payment processing for merchants and suppliers of any size in the United States and Canada. Through physical POS, online and mobile interfaces, as well as CRM and ERP software integrations, BluePay processes business-to-consumer and business-to business payments. The solution provides real-time settlement, reporting, and reconciliation, along with robust security features such as tokenization and point-to-point encryption.

Risk Geographies

6 12

Launch Date: 2001 Fraud 13 47 4 Developer Customers: 2,000 10 2

Payments Omnichannel

BlueSnap is a global payments technology company that optimizes global, mobile checkout and drives higher payment conversions by as much as 40 percent for eCommerce merchants worldwide.

Risk Geographies

0 6

Launch Date: 2009 Fraud 0 8 0 Developer Customers: 3 million users 0 2

Payments Omnichannel

Boku is a frictionless payment system that transforms mobile phone numbers into safe and secure payment instruments. In 2009, Boku partnered with mobile operators around the world to enable their subscribers to purchase virtual goods simply using their mobile numbers. With Boku, customers can charge their purchases directly to their mobile bills using just their mobile numbers.

Risk Geographies

0 6

Launch Date: 2007 Fraud 9 27 5 Developer Volume: $12B Customers: 40 million users 5 2

Payments Omnichannel

Merchants in more than 40 countries across North America, Europe and Australia can accept payments in more than 130 currencies using Braintree.

Risk Geographies

0 7

Launch Date: 2005 Fraud 5 19 1 Developer

6 0

Payments Omnichannel

Braspag offers payment solutions in Latin America and the United States. In Brazil, it develops solutions for payment processing (payment gateways), reconciliation, anti-fraud, tokenization, checkout and hosted payment page. Braspag is a company of the Cielo Group.

Risk Geographies

0 3

Launch Date: 1989 Fraud 3 8 0 Developer Customers: 250,000 1 1

Payments Omnichannel

B+S Card Service is a card acceptance service provider. It provides companies that wish to offer their customers cashless payment methods with the necessary infrastructure and all required services.

Risk Geographies

0 10

Launch Date: 1999 Fraud 6 25 1 Developer

5 3

Payments Omnichannel

CardinalCommerce is the pioneer and global leader in enabling authenticated payment transactions in the card-not-present payments industry since 1999. Through one connection to its proprietary SafeCloud payment platform, CardinalCommerce enables friction-free, technology, neutral authentication and alternative payment services (including digital wallets and mobile commerce services).

Risk Geographies

0 6

Launch Date: 2009 Fraud 5 16 2 Developer

3 0

Payments Omnichannel

CardPay offers online credit card processing with no subscription fees for a wide range of currencies and payoffs. It also integrates user-friendly payment gateway solutions.

Risk Geographies

0 2

Launch Date: 1999 Fraud 4 20 5 Developer Customers: £18 Monthly fee; 6.57 pence per trans. 5 4

Payments Omnichannel

Cardstream is a Level 1 PCI DSS compliant independent payment service solution that provides merchants with a secure and reliable payment gateway for processing debit and credit card transactions online, with a secure and reliable payment gateway, or with a real-time virtual terminal for mail and telephone orders. Cardstream processes card payments for all the U.K. acquirers and several European acquirers across all card types, including China UnionPay, and for all worldwide currencies. Cardstream is also able to work with merchants and acquirer partnerships to source the best possible account rates for merchants.

Risk Geographies

0 6

Launch Date: 2007 Fraud 9 19 2 Developer

2 0

Payments Omnichannel

CashRun was established in 2007 with the objective of supporting businesses’ needs for effective and affordable online payment solutions. To date, CashRun has offices in Switzerland, the U.S., Germany, Singapore and China. With a strong global presence and various partnerships, CashRun supports businesses to develop their core competencies, protect and maximize their revenues and growth, and minimize the risks online fraud presents to their operations.

Risk Geographies

Updated! 0 8

Launch Date: 1985 Fraud 12 36 2 Developer Customers: 280,000 Volume: $750B 9 5

Payments Omnichannel

Chase Paymentech provides products and services for point-of-sale and card-not-present environments. Chase Paymentech offers payment solutions such as credit and debit cards, international payments, and electronic check processing as well as digital, alternative and mobile payment options.

Risk Geographies

0 6

Launch Date: 2010 Fraud 2 16 3 Developer Pricing: 2.95% - 3.95% + £0.15 5 0

Payments Omnichannel

Founded in 2010, with offices in London, Singapore, Dubai and Mauritius, Checkout.com provides customizable online payments products and services for small and large online merchants.

Risk Geographies

0 7

Launch Date: 2010 Fraud 0 16 4 Developer Pricing: 0% 2 3

Payments Omnichannel

Coinify is a solution that allows people to buy and sell products and accept payments using bitcoin. The company enables merchants to accept bitcoin and get paid in local currency, eliminating the risk of chargebacks and fraud. Coinify offers online sellers seamless integration using payment buttons, shopping cart plug-ins and hosted invoicing. For brick-and-mortar shops, it offers desktop and mobile point of sale (mPOS) solutions.

Risk Geographies Updated! 0 4

Launch Date: 1997 Fraud 6 25 4 Developer Customers: 3,000 Volume: Transactions worth $10B in value 8 3

Payments Omnichannel

Computop is a global payment service provider (PSP) that provides eCommerce, point of sale, m-commerce and Mail Order and Telephone Order (MOTO) payments globally. The company, founded in 1997, is headquartered in Bamberg, Germany, with local teams in the U.S., U.K. and China. Computop processes transactions totaling $9+ billion per year, for over 2,800 large international merchants in retail, travel and gaming.

Risk Geographies

0 3

Launch Date: 1999 Fraud 3 13 0 Developer Customers: 165 million users Volume: 150 million transactions 2 5

Payments Omnichannel

Creditcall makes card acceptance simple from any device, anywhere. The solution can handle attended, unattended, online or mobile payments. Founded in 1996, Creditcall is a global business with offices in North America and Europe.

Risk Geographies

4 10

Launch Date: 1994 Fraud 14 40 2 Developer Customers: 400,000 Volume: $7.5B 10 0

Payments Omnichannel

CyberSource is a wholly-owned subsidiary of Visa Inc. Over 400,000 businesses worldwide use CyberSource and Authorize.Net brand solutions to process online payments, streamline fraud management, and simplify payment security. The company maintains offices throughout the world, with regional headquarters in Singapore, Tokyo, Miami, Sao Paulo and Reading, U.K.

Risk Geographies

0 4

Launch Date: 2006 Fraud 2 9 0 Developer Volume: $2B 1 2

Payments Omnichannel

Danal, Inc., a majority owned U.S. subsidiary of Danal Co., is a provider of mobile business solutions enabling payments, commerce services, targeted marketing, and wallet services optimized for display, mobile and integrated devices. Danal, Inc. provides its merchant customers access to 4 billion subscribers in over 80 countries, representing $2 billion in annual worldwide transaction processing volume. The company directly processes payments for all Tier-1 U.S. carriers.

Risk Geographies

0 9

Launch Date: 1996 Fraud 6 20 0 Developer Customers: 30,000 2 3

Payments Omnichannel

DataCash Group Ltd (part of MasterCard Incorporated) provides multi-channel global payment processing services and advanced fraud prevention and risk management solutions to merchants and banks. Advanced technology from DataCash enables customers to accept and process transactions in over 177 currencies from over 45 payment brands across eCommerce, m-commerce channels and cardholder present channels.

Risk Geographies

2 5

Launch Date: 2000 Fraud 3 22 5 Developer

5 2

Payments Omnichannel

DialXS started in 2000 with payment solutions. The company is the partner for payment and telecom systems that allows consumers to make payments simply and safely.

Risk Geographies

8 15

Launch Date: 1994 Fraud 11 53 3 Developer Customers: 11,000 Volume: $35B Customer Focus: Digital, E-retail, Gaming and Travel 16 0

Payments Omnichannel

Designed to increase speed to revenue while reducing risk, Digital River World Payments enables merchants of all sizes to process online payments through over 200 international payment options in more than 170 currencies. In 2014, Digital River World Payments processed more than $35 billion in online transactions across more than 240 countries and territories. In addition to international payment processing, Digital River’s services include checkout page optimization, solutions to manage PCI exposure and currency risk, as well as advanced back-office reconciliation services and business intelligence tools.

Risk Geographies

0 5

Launch Date: 1997 Fraud 0 8 1 Developer Customer Focus: Banks, money transfer companies, eCommerce providers, and payment administrators 2 0

Payments Omnichannel

Earthport is a regulated global financial services organization specializing in cross-border payments. Earthport provides a cost-effective and transparent service for secure international payments, servicing banks, money transfer organizations, payment aggregators, eCommerce businesses and foreign exchange businesses. Earthport delivers a “global ACH” capability using an innovative payments framework specifically designed for high volumes of low value cross-border payments. This provides its clients with access to local clearing schemes in over 60 countries.

Risk Geographies

0 6

Launch Date: 2010 Fraud 2 14 3 Developer Customers: 12,000,000 3 0

Payments Omnichannel

EBANX removes all the barriers for International Merchants to sell online to Brazil. It offers an end-to-end payment solution across the entire ecommerce transaction flow, without the need for a local entity. Its mission is to provide solid bridges between global merchants and LatAm’s multicultural population. EBANXs believes people should have the power to choose and go further, and that’s why it offers local payment methods on the biggest websites worldwide.

Risk Geographies

0 6

Launch Date: 2013 Fraud 6 22 3 Developer Pricing: 3.5% + €0.35 5 2

Payments Omnichannel eComCharge is an all-in-one developer, supplier and system integrator. The solution helps merchants receive eCommerce payments. eComCharge solutions serve both payment service providers and online businesses that sell their goods and services to customers around the world.

Risk Geographies

0 8

Launch Date: 2000 Fraud 3 14 0 Developer

1 2

Payments Omnichannel ecoPayz is a global payment solutions provider offering instant, safe and convenient payment services to customers and businesses across the globe. Since its foundation, ecoPayz has successfully provided end-to-end, account and cardbased payment solutions to businesses and individuals worldwide, offering an instant, safe and fast means of moving money around the world.

Risk Geographies

0 3

Launch Date: 1991 Fraud 7 22 3 Developer Volume: $300B Customer Focus: Airlines, Hospitality, Health Care, Retail, Public Sector and Education 5 4

Payments Omnichannel

Elavon is wholly owned by U.S. Bancorp and provides end-to-end payment processing solutions and services to more than 1.3 million customers in the U.S., Europe, Canada, Mexico, Brazil and Puerto Rico.

Risk Geographies

0 9

Launch Date: 2002 Fraud 12 32 3 Developer

7 1

Payments Omnichannel

Since 2002, eMerchantPay has been a trusted payment service provider, partner and specialist that has delivered international online payment processing services to merchants across the globe. eMerchantPay’s payment processing solutions and fraud prevention services enable merchants to increase conversion ratios, expand customer reach and prevent fraud.

Risk Geographies

0 9

Launch Date: 1996 Fraud 1 15 1 Developer Pricing: 15% of sales 4 0

Payments Omnichannel

Paycom.net, LLC, doing business as Epoch, is an Internet Payment Service Provider (IPSP) which enables online companies to accept global payments without the need to obtain and manage their own merchant account. It offers worldwide acceptance, multiple currencies, merchant tools, subscription and per-unit billing, customer service, and a suite of marketing and revenue features.

Risk Geographies

0 5

Launch Date: 1994 Fraud 3 12 0 Developer Customers: 599,000 4 0

Payments Omnichannel

Euronet Worldwide facilitates the movement of payments around the world and serves as a critical link between our partners and their end consumers, both locally and globally. Euronet’s customers are served from three core business segments: Electronic Financial Transactions (EFT, including Payments Software), Prepaid (epay) and Money Transfer.

Risk Geographies

0 3

Launch Date: 2005 Fraud 3 10 0 Developer

3 1

Payments Omnichannel

European Merchant Services (EMS) offers credit and debit card payment processing services to companies operating in the European market. EMS is a joint venture between First Data Corporation and ABN AMRO Bank’s International Card Services B.V. It features a payments platform, extensive reporting capabilities, in- house chargeback management and strong fraud support.

Risk Geographies

2 9

Launch Date: 2007 Fraud 1 20 5 Developer

1 2

Payments Omnichannel

FedEx Trade Networks, the international freight forwarding arm of FedEx Corp., relaunched Bongo International as FedEx CrossBorder. It is positioned as an eCommerce technology solutions platform that enables online retailers to deal with cross-border commerce issues, such as regulatory compliance, secure payment processing, multi-currency pricing and credit card fraud protection. It also connects them to eCommerce consumers around the world.

Risk Geographies Updated! 0 11

Launch Date: 1971 Fraud 6 30 4 Developer Customers: 6.2 million users 4 5

Payments Omnichannel

First Data is a provider of payment technology and services solutions, with 24,000 owner-associates and operations in 35 countries. Businesses in nearly 70 countries use First Data to process nearly 2,000 financial transactions per second, totaling $1.8 trillion a year. First Data’s infrastructure consists of point-of-sale technology powered by analytics.

Risk Geographies

0 6

Launch Date: 2006 Fraud 9 22 0 Developer

7 0

Payments Omnichannel

FIS is a global leader in banking and payments technology as well as consulting and outsourcing solutions. With a long history deeply rooted in the financial services sector, FIS serves more than 14,000 institutions in over 130 countries. Headquartered in Jacksonville, Florida, FIS employs more than 40,000 people worldwide and holds leadership positions in payment processing and banking solutions.

Risk Geographies

0 9

Launch Date: 2007 Fraud 0 19 2 Developer Volume: $300M Customers: 120,000 4 4

Payments Omnichannel

Fortumo OU engages in the development, sale, service, support, and management of mobile payment solutions to application developers, social networks and digital goods vendors. The company works with organizations across the world, including those headquartered in Asia Pacific, Central and Eastern Europe, North America, Northern Europe, Western Europe, the Middle East, Africa and Latin America. It offers in-application purchasing solutions that enable developers to charge for premium features and sell virtual credits inside their applications using mobile operator billing. The solutions also support SMS-connectivity/mobile payments API to enable developers to integrate mobile payments with applications, games and Web services.

Risk Geographies

0 9

Launch Date: 1994 Fraud 5 22 0 Developer Volume: $14B Customer Focus: Digital Goods, Travel, Retail, Video Gaming 8 0

Payments Omnichannel

GlobalCollect, a part of Ingenico Group, processes international eCommerce payments for more than 600 eCommerce brands across the world. GlobalCollect supports businesses across a spectrum of diverse industries, including digital goods and services, travel, retail and video gaming sectors.

Risk Geographies New! 0 3

Launch Date: 1998 Fraud 3 11 0 Developer Volume: $11B Customers: 2,500,000 2 3

Payments Omnichannel

Global Payments Inc. is a provider of electronic transaction processing services for merchants, Independent Sales Organizations (ISOs), financial institutions, government agencies and multi-national corporations located throughout the United States, Canada, Europe and the Asia-Pacific region.

Risk Geographies

0 4

Launch Date: 2011 Fraud 2 11 2 Developer Volume: $1B Pricing: 1% up to a maximum of £2 3 0

Payments Omnichannel

GoCardless is a next generation payments company. It processes online payments through direct debit infrastructure. Its features include: low prices (1% up to a maximum of £2), easy payment collection (automate reconciliation customer account) and instant online sign-up.

Risk Geographies

4 13

Launch Date: 2000 Fraud 7 33 3 Developer Volume: $15B Customers: 400+ customers, 7 million+ payees 3 3

Payments Omnichannel

Hyperwallet is a purpose-built payout platform that empowers businesses to quickly, cost-effectively, and transparently distribute funds to independent contractors, suppliers and resellers anywhere in the world. Hyperwallet’s payments platform and global settlement network enables businesses to distribute funds to 170+ countries in more than 150 currencies. The company’s range of flexible payout options includes local bank deposits, international wire transfers, branded prepaid and virtual cards, custom checks, cash pick-up services, and pay to existing credit and debit card capabilities.

Risk Geographies

0 6

Launch Date: 2001 Fraud 5 23 1 Developer

11 0

Payments Omnichannel

IBM Payment Systems (IPS) is a global payment gateway and eCommerce checkout solution that integrates seamlessly into websites, mobile sites, smartphone apps and call center tools. An easy-to-use interface, combined with a fully localized payment checkout experience, implemented on a centralized platform, means global retailers can set up and manage a comprehensive local online payment solution quickly, easily and costeffectively.

Risk Geographies

0 9

Launch Date: 1999 Fraud 5 21 2 Developer

5 0

Payments Omnichannel

ImGlobal Payments is a merchant services provider for businesses that require credit and debit card processing services to accept payments for Internet, Mail-Order Telephone-Order (MOTO), & POS/Retail transactions.

Risk Geographies

6 14

Launch Date: 2016 Fraud 14 58 7 Developer Customers: 65,000 Volume: $63B 12 5

Payments Omnichannel

Ingenico ePayments is the online and mobile commerce division of Ingenico Group. It combines GlobalCollect and Ingenico Payment platforms into a single organization.

Risk Geographies

0 4

Launch Date: 2000 Fraud 7 19 1 Developer

6 1

Payments Omnichannel

The Intelligent Payments platform was developed by one of the largest online merchants in Europe. Through a single platform, Intelligent Payments manages Web and mobile payments. Intelligent Payments provides a range of services to help merchants manage their online payments, such as: payment handling, fraud management, 3D Secure Management, least cost routing, reporting and reconciliation, payment security and business intelligence.

Risk Geographies

0 4

Launch Date: 2005 Fraud 1 10 2 Developer Customers: 50,000 3 0

Payments Omnichannel

Klarna, founded in Stockholm in 2005 with the goal of simplifying buying, lets the consumer receive goods first and pay later, while assuming credit and fraud risks for merchants. In 2014, Klarna joined forces with SOFORT to form Klarna Group, the leading European payments provider. Klarna Group has more than 1,200 employees and is active in 18 markets. Klarna serves 35 million consumers and works with 50,000 merchants.

Risk Geographies

0 5

Launch Date: 2013 Fraud 7 30 6 Developer

8 4

Payments Omnichannel

Linkpay is a 100 percent cloud-built payment solutions platform. Its solutions help online and mobile businesses accept credit cards using cloud technology. Linkpay handles everything, including merchant accounts, gateway, storing cards, subscriptions, PCI security and direct payout to bank accounts.

Risk Geographies

0 1

Launch Date: 1966 Fraud 6 17 0 Developer Customers: 35 million acceptance locations Pricing: 1% - 3% per credit card transaction 5 5

Payments Omnichannel

MasterCard is one of world’s best known online payment methods and dominant credit card brands. MasterCard is truly a global payment brand, supporting 150 currencies with over 35 million acceptance locations (point of sale and online) in over 210 countries.

Risk Geographies

2 5

Launch Date: 1999 Fraud 0 13 2 Developer Customers: 121 million registered users 2 2

Payments Omnichannel

MercadoLibre’s automated online platform enables businesses and individuals to list items and conduct their sales and purchases in a fixed-price or auction-based format. MercadoLibre has launched a cross-border trade program, which started in the U.S. and will be expanding to the U.K. and Canada. It requires no setup fees and offers multiple integration options, enabling sellers to ship directly to buyer or to a local address.

Risk Geographies

0 3

Launch Date: 2000 Fraud 3 18 5 Developer Customers: 10,000 5 2

Payments Omnichannel

Risk Geographies

0 3

Launch Date: 1998 Fraud 4 15 4 Developer Pricing: 1.4% + $0.06 per transaction 3 1

Payments Omnichannel

Since 1998, NETbilling, Inc. has provided merchant accounts, multi-currency transaction processing, and call center services to thousands of Internet merchants and companies of all sizes. NETbilling’s flexible solutions process credit cards, debit cards, electronic checks, and telephone orders, and work with any business model, including Internet, broadband, wireless, call centers and retail establishments of all types.

Risk Geographies New! 0 8

Launch Date: 2010 Fraud 7 23 1 Developer

5 2

Payments Omnichannel

ONPEX is a provider of cloud technology for cross-border card processing. The company is headquartered in Germany and operates entities in Europe, North America and Asia.

Risk Geographies

0 5

Launch Date: 2004 Fraud 10 28 1 Developer

8 4

Payments Omnichannel

PAY.ON is a worldwide provider of white-label global payment gateway solutions. Its products include PaySourcing, a payment processing solution that permits outsourcing of payment and risk management systems, and PayPipe, which is an e-gateway used for processing payment transactions in various currencies. The company also provides access to a payment platform that offers multi-currency and cross-border payment solutions.

Risk Geographies

0 3

Customers: 3,000 Fraud 8 20 4 Developer

5 0

Payments Omnichannel

PAYONE is a provider of payments services that ranks among Germany’s 50 fastest-growing technology companies. With its modular platform, PAYONE offers a fully automated software-as-a-service solution (SaaS) to companies for comprehensive processing of eCommerce payments. PAYONE’s range of services includes the ability to process payments from over 30 national and international payment methods with integrated risk management to minimize defaults in payment and fraud.

Risk Geographies

0 14

Launch Date: 2005 Fraud 2 23 1 Developer

4 2

Payments Omnichannel

Payoneer empowers global commerce by connecting businesses, professionals, countries and currencies with its crossborder payments platform. In today’s borderless digital world, Payoneer enables millions of businesses and professionals from more than 200 countries to reach new audiences by facilitating seamless, crossborder payments.

Risk Geographies

0 9

Launch Date: 1998 Fraud 1 14 1 Developer Volume: $168B 3 0

Payments Omnichannel

PayPal offers various online payment checkout solutions for businesses around the world. From standard checkouts to express solutions, PayPal operates as a PSP to many online merchants. Shoppers can pay directly from their bank accounts or via stored credit cards, like MasterCard and Visa.

Risk Geographies Updated! 0 14

Launch Date: 2015 Fraud 7 34 2 Developer

7 5

Payments Omnichannel

Paysafe is a provider of payment solutions to businesses and consumers in 200 countries and territories. Merchants can use Paysafe´s services and gateway platforms on their websites to accept credit and debit card, direct-from-bank, and alternative and local payments. Paysafe was created in November 2015 as a result of the Optimal Payments’ acquisition of Skrill Group earlier that year.

Risk Geographies

2 10

Launch Date: 2002 Fraud 1 19 0 Developer Customers: 300 business partners, acquirers and PSP, + 500 merchants Volume: 100 million transactions 4 2

Payments Omnichannel

Payvision is an independent payment solutions provider specializing in global card processing for the eCommerce market. Payvision offers acquiring banks, PSPs, ISOs and merchants a secure, PCI DSS compliant, PSD licensed, international payment processing platform enhanced with innovative technology. Payvision provides 150+ transaction currencies and regional card settlement currencies.

Risk Geographies

0 6

Launch Date: 2012 Fraud 0 11 2 Developer Customers: 9 million users 3 0

Payments Omnichannel

Payza is a leading online payments technology platform used by licensed entities around the world. Payza’s highly secure platform provides businesses and consumers with convenient and flexible solutions for sending and receiving payments worldwide. The company offers access to payment services in both traditional and emerging markets, as well as a host of tools and services including: fraud screening, dispute resolution, currency exchange, global payouts and disbursement services.

Risk Geographies

8 13

Launch Date: 1920 Fraud 10 40 6 Developer Customers: 250 3 0

Payments Omnichannel

Pitney Bowes offers global ecommerce solutions that manage the cross-border shopping experience including, website localization and management, fully-landed costs and compliance, payment processing and international logistics. Pitney Bowes helps retailers, brands and online marketplaces sell to customers in more than 220 countries and territories and more than 74 currencies.

Risk Geographies New! 0 8

Launch Date: 1999 Fraud 7 23 1 Developer Customers: 118,000 5 2

Payments Omnichannel

Planet Payment is a provider of payment processing solutions. The company delivers payment processing and multi-currency solutions to financial services institutions around the world. The services are currently deployed at 118,000 active merchant locations in 21 countries and territories across the Asia Pacific region, the Americas, the Middle East, Africa and Europe.

Risk Geographies

0 5

Launch Date: 2006 Fraud 4 15 0 Developer Customers: Over 1M 6 0

Payments Omnichannel

PPRO offers a platform for integrated processing and collection of payment methods worldwide. The solution works indirectly with PSP partners and other financial institutions whose merchants can purchase PPRO’s services from them. PPRO has access to over 1 million eCommerce merchants that are linked to its PSP and marketplace partners. They can use all of PPRO’s services through their existing technical integrations. PPRO collects funds and sends the money to users in their desired currency.

Risk Geographies

0 4

Launch Date: 2007 Fraud 7 16 0 Developer

5 0

Payments Omnichannel

The SafeCharge International Group Limited is a global provider of payments services, risk management and IT solutions for online businesses. The group has a diversified, blue chip client base and is a trusted payment partner for customers from various eCommerce verticals. SafeCharge has been Payment Card Industry Data Security Standard (“PCI-DSS”) Level 1 certified since 2007. The SafeCharge group has operations in the U.K., Cyprus, Bulgaria, Israel, Germany and Austria.

Risk Geographies

0 0

Launch Date: 2001 Fraud 5 9 2 Developer Customers: 50,000 2 0

Payments Omnichannel

Sage Pay is Europe’s leading independent payment service provider (PSP). Every year, Sage Pay processes billions of British pounds worth of secure payments for its 50,000+ customers and makes the process of accepting payments online, over the phone or in-person simpler, faster, safer and more profitable for businesses.

Risk Geographies

0 7

Launch Date: 2001 Fraud 6 21 1 Developer Customers: 100,000 7 0

Payments Omnichannel

Skrill (Moneybookers) is one of the world’s largest online payments and digital wallet providers with over 20 million accountholders. Skrill’s worldwide payment network offers businesses access to more than 100 payment options, with 41 currencies covering 200 countries through just a single integration. More than 100,000 merchants use Skrill globally, including eBay.

Risk Geographies

0 11

Launch Date: 2002 Fraud 4 26 3 Developer

8 0

Payments Omnichannel

Smart2Pay is a payment service provider specializing in Internet payments since 2002. It’s based in Amsterdam, with additional offices in Spain, Brazil, the U.S. and Romania. The company has partnered with many banks and financial institutions all over the world and it offers a one-stop shop for leading merchants selling goods or services globally via the Internet.

Risk Geographies

0 6

Launch Date: 2009 Fraud 4 17 2 Developer Customers: 500,000 Volume: $15B 0 5

Payments Omnichannel

Square is committed to building tools that empower sellers to start, run, and grow their business. Square’s complete register service is a full point of sale that offers a suite of tools, from tracking sales and inventory to rich analytics and small business financing. Customers in the United States also use Square Cash, the easiest way to send and receive money, and Square Order, a new way to pre-order food and drinks for pickup.

Risk Geographies

0 6

Launch Date: 2011 Fraud 4 18 5 Developer

3 0

Payments Omnichannel

Stripe aims to expand Internet commerce by making it easy to process transactions and manage an online business. Stripe now processes billions of dollars a year for thousands of businesses, from newly launched startups to Fortune 500 companies. Since Stripe powers so many new businesses, it’s a snapshot of how the Internet is changing; many users are in categories that barely existed five years ago.

Risk Geographies

2 10

Launch Date: 2011 Fraud 10 27 3 Developer Customers: 20 Volume: $5B 2 0

Payments Omnichannel

Transpay is a B2B/B2P cross-border payments platform. The company’s platform uses robust end-to-end technology to enable instant transfers across its global proprietary network. Funds are delivered in local currency either to a recipient’s bank account or a preferred cash pick-up location. Customers include Google and Upwork, the leading global freelancer platform. Transpay is backed by GCP Capital Partners, a $1.8 billion private equity fund led by top investors in the payments industry.

Risk Geographies Updated! 0 5

Launch Date: 1983 Fraud 5 19 1 Developer

4 4

Payments Omnichannel

TSYS provides online credit card processing for businesses. TSYS helps merchants integrate eCommerce solutions to accept payments. The company is headquartered in Columbus, Georgia, with offices across the U.S., Europe and Asia.

Risk Geographies

0 3

Launch Date: 1983 Fraud 4 12 0 Developer

5 0

Payments Omnichannel

Valitor is a leading online and eCommerce payment solutions company. It operates internationally, offering services to partners, merchants, banks and cardholders around the world. Valitor has been specializing in international acquiring services since 2003, and was one of the first companies to receive a European cross- border license.

Risk Geographies

2 6

Launch Date: 1970 Fraud 12 35 2 Developer Customers: 400,000 Volume: $611B 8 5

Payments Omnichannel

Vantiv is a leading payment processor differentiated by an integrated technology platform. Vantiv offers a comprehensive suite of traditional and innovative payment processing and technology solutions to merchants and financial institutions of all sizes, enabling them to address their payment processing needs through a single provider.

Risk Geographies

4 2

Launch Date: 2008 Fraud 4 18 4 Developer Customers: 20,000 4 0

Payments Omnichannel

WePay powers payments on online platforms and marketplaces, such as Care.com, Constant Contact, FreshBooks, GoFundMe and Meetup. WePay protects its partners from risk and regulatory exposure, while supporting a seamless experience for their end users.

Risk Geographies

0 3

Launch Date: 1970 Fraud 2 17 3 Developer

5 4

Payments Omnichannel

Worldline, an Atos subsidiary, is a global player in the payments and transactional services industry. Worldline delivers new generation services, enabling its customers to offer smooth and innovative solutions to the end consumer. Worldline specializes in merchant services and terminals, mobility and e-Transactional services, and financial processing and software licensing.

Risk Geographies

2 13

Launch Date: 1989 Fraud 15 53 6 Developer Customers: Over 400,000 Volume: $500B 12 5

Payments Omnichannel

Worldpay provides an extensive range of technology-led payment products and services to over 400,000 customers, allowing them to accept more than 300 different payment types around the world. The company processes payments from geographies covering 99 percent of global GDP, across 146 countries and 126 currencies. Through a single integration, Worldpay provides an end-to-end service including acquiring, treasury, gateway, alternative payments and risk management.

The X-Border Payments Optimization Landscape™ The X-Border Payments Optimization LandscapeTM is a graphic representation of how the leading payment service providers are scored in each of six categories important to optimizing a merchant’s cross-border payments operations. It is not designed to suggest one is more important than another. The Top 10 providers in each category are displayed in rank order from industry standard on the left to best-in-class on the right.

Feedback If you would like to be included in this report and/or would like your information to be updated, please contact us at [email protected] and we will send you the data sheet required for submission.

PYMNTS.com PYMNTS.com is where the best minds and the best content meet on the web to learn about “What’s Next” in payments and commerce. Our interactive platform is reinventing the way in which companies in payments share relevant information about the initiatives that shape the future of this dynamic sector and make news. Our data and analytics team includes economists, data scientists and industry analysts who work with companies to measure and quantify the innovation that is at the cutting edge of this new world.

The X-Border Payments Optimization TrackerTM may be updated periodically. While reasonable efforts are made to keep the content accurate and up-to-date, PYMNTS.COM: MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, REGARDING THE CORRECTNESS, ACCURACY, COMPLETENESS, ADEQUACY, OR RELIABILITY OF OR THE USE OF OR RESULTS THAT MAY BE GENERATED FROM THE USE OF THE INFORMATION OR THAT THE CONTENT WILL SATISFY YOUR REQUIREMENTS OR EXPECTATIONS. THE CONTENT IS PROVIDED “AS IS” AND ON AN “AS AVAILABLE” BASIS. YOU EXPRESSLY AGREE THAT YOUR USE OF THE CONTENT IS AT YOUR SOLE RISK. PYMNTS.COM SHALL HAVE NO LIABILITY FOR ANY INTERRUPTIONS IN THE CONTENT THAT IS PROVIDED AND DISCLAIMS ALL WARRANTIES WITH REGARD TO THE CONTENT, INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT AND TITLE. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES, AND, IN SUCH CASES, THE STATED EXCLUSIONS DO NOT APPLY. PYMNTS.COM RESERVES THE RIGHT AND SHOULD NOT BE LIABLE SHOULD IT EXERCISE ITS RIGHT TO MODIFY, INTERRUPT, OR DISCONTINUE THE AVAILABILITY OF THE CONTENT OR ANY COMPONENT OF IT WITH OR WITHOUT NOTICE.

PYMNTS.COM SHALL NOT BE LIABLE FOR ANY DAMAGES WHATSOEVER, AND, IN PARTICULAR, SHALL NOT BE LIABLE FOR ANY SPECIAL, INDIRECT, CONSEQUENTIAL, OR INCIDENTAL DAMAGES, OR DAMAGES FOR LOST PROFITS, LOSS OF REVENUE, OR LOSS OF USE, ARISING OUT OF OR RELATED TO THE CONTENT, WHETHER SUCH DAMAGES ARISE IN CONTRACT, NEGLIGENCE, TORT, UNDER STATUTE, IN EQUITY, AT LAW, OR OTHERWISE, EVEN IF PYMNTS.COM HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

SOME JURISDICTIONS DO NOT ALLOW FOR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES, AND IN SUCH CASES SOME OF THE ABOVE LIMITATIONS DO NOT APPLY. THE ABOVE DISCLAIMERS AND LIMITATIONS ARE PROVIDED BY PYMNTS.COM AND ITS PARENTS, AFFILIATED AND RELATED COMPANIES, CONTRACTORS, AND SPONSORS, AND EACH OF ITS RESPECTIVE DIRECTORS, OFFICERS, MEMBERS, EMPLOYEES, AGENTS, CONTENT COMPONENT PROVIDERS, LICENSORS, AND ADVISERS.

Components of the content original to and the compilation produced by PYMNTS.COM is the property of PYMNTS.COM and cannot be reproduced without its prior written permission.

You agree to indemnify and hold harmless, PYMNTS.COM, its parents, affiliated and related companies, contractors and sponsors, and each of its respective directors, officers, members, employees, agents, content component providers, licensors, and advisers, from and against any and all claims, actions, demands, liabilities, costs, and expenses, including, without limitation, reasonable attorneys’ fees, resulting from your breach of any provision of this Agreement, your access to or use of the content provided to you, the PYMNTS.COM services, or any third party’s rights, including, but not limited to, copyright, patent, other proprietary rights, and defamation law. You agree to cooperate fully with PYMNTS.COM in developing and asserting any available defenses in connection with a claim subject to indemnification by you under this Agreement.