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Top U.S. Issuers of Visa & Mastercard Credit Cards

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Top U.S. Issuers of Visa & Mastercard Credit Cards FOR 49 YEARS, THE LEADING PUBLICATION COVERING PAYMENT SYSTEMS WORLDWIDE SEPTEMBER 2019 / ISSUE 1161 Top 150 Merchant Acquirers Worldwide Turn to page 9 for a ranking of the 150 largest merchant Top U.S. Issuers of acquirers of general purpose credit, debit, and prepaid card transactions handled during calendar year 2018. Those acquirers Visa & Mastercard Credit Cards > see p. 8 Based on Spending at Midyear Bl. U.S. General Purpose Card Brands—Midyear 2019 389 Visa, Mastercard, American Express, and Discover brand credit, debit, and prepaid cards generated 54.23 billion purchase 356 transactions from January 1 through June 30, 2019—an increase > see p. 7 Idemia and Zwipe Are Biometric Card Partners 207 The second largest payment card manufacturer in the world, 193 182 174 Idemia, has formed a partnership with Zwipe, a provider of ultra- 176 160 low-power technology used to add biometric authentication > see p. 8 74 70 67 Amazon PayCode/Amazon Cash in the U.S. 64 The U.S. has become the 20th country in which customers of amazon.com can pay cash over the counter at a Western Union (WU) location for purchases made online using Amazon PayCode. ‘18‘19 ‘18‘19 ‘18‘19 ‘18‘19 ‘18‘19 ‘18‘19 > see p. 12 Bank of Capital US Wells Chase Citi Europe Mobile Payment Association Amer. One Bank Fargo The European Mobile Payment Systems Association (Empsa) Note: Midyear spending covers January 1 through June 30. has been formed by companies in Austria, Belgium, Denmark, © 2019 The Nilson Report Finland, Germany, Norway, Portugal, Sweden, and Switzerland. > see p. 12 U.S. Visa and Mastercard Credit Card Issuers—January 1 through June 30, 2019 Verrency Cloud-Based Middleware Card issuers, account processors, and others use cloud-based The 100 largest U.S. issuers of Visa and Mastercard credit cards middleware from Verrency to launch new products and services are ranked by outstandings and total volume on pages 10 and using APIs while maintaining their existing issuing software 11. The 10 largest issuers based on outstandings collectively > see p. 6 were up 4.6% when comparing June 30, 2019 to June 30, 2018. The second 10 were up 8.8%, and the third 10 were up 2.9%. Walmart/Capital One Credit Cards The 10 largest issuers based on purchase volume collectively The first credit cards from the new partnership of Walmart and were up 7.4% when comparing the six months from January Capital One are available. The Capital One Walmart Rewards 1-June 30, 2019 to the same period the prior year. The second Mastercard offers 5% back on purchases from walmart.com, 10 were up 6.9%, and the third 10 were up 8.8%. > see p. 6 > see p. 10 INSIDE 2 – 3 Fast Facts CHARTS 7 U.S. General Purpose Cards 9 Largest 150 Merchant Acquirers 4 Investments & Acquisitions—August 2019 Midyear ‘19 vs. Midyear ‘18 Worldwide 2018 5 SoftPOS in EMEA and APAC 8 Market Share of Top 10 Global 10 U.S. V/MC Credit Card Issuers 5 Ocean Plastic Payment Cards Acquirers vs. Remaining 140 Midyear Outstandings and Volume © 2019 HSN Consultants, Inc. THE NILSON REPORT VISIT US ONLINE AT WWW.NILSONREPORT.COM SYNAPSE, which provides payment, deposit, lending, CORRECTION: In issue #1160 we published a POS terminal and investment products as APIs to fintech companies, figure for MagTek. The figure was an estimate and should has joined Cardtronics-owned Allpoint Network to give its have been marked as such. We regret the oversight. customers access to those 55,000 surcharge-free ATMs. ELAVON, a global payments provider and subsidiary of Sankaet Pathak is CEO at Synapse, [email protected], U.S. Bank, will integrate Brighterion’s artificial intelligence www.synapsefi.com. Brian Bailey is EVP and Managing platform into its network to minimize fraud and manage risk. Director, North America at Cardtronics, bbailey@ Brighterion, a Mastercard company, can analyze nearly 100 cardtronics.com, www.cardtronics.com. billion transactions annually. Ajay Bhalla is President Cyber FAST EQUIFAX plans to add consumer-permissioned data from & Intelligence at Mastercard, [email protected], Urjanet to the information available to lenders, insurers, https://brighterion.com. Tim Miller is SVP Global Credit and and other businesses looking to create a credit risk score Risk at Elavon, [email protected], FACTS by early next year. Urjanet delivers information from more www.elavon.com. than 6,500 electricity, natural gas, water, waste, cable, and COMDATA has joined Billtrust’s Business Payments Net- SEPTEMBER 2019 telecom providers in 47 countries. Sid Singh is President, work, which gives buyers the ability to automate electronic ISSUE 1161 U.S. Information Solutions at Equifax, [email protected], payments to suppliers. Comdata, the largest Mastercard www.equifax.com. No paid purchasing/fleet card issuer in North America, is responsible advertising. No WEX’S Corporate Payments division has launched a for paying more than $55 billion to 800,000 suppliers on sponsored content business segment dedicated to financial institutions and behalf of 30,000 customers. Nick Babinsky is VP & GM, Busi- of any kind. their technology providers. Corporate Payments is the fastest ness Payments Network at Billtrust, [email protected], growing line of business at Wex. Greg Sassone is VP, www.billtrust.com. Jack Sevier is Director of Product Strategy Corporate Payments, [email protected], at Comdata, [email protected], www.comdata.com. No company can www.wexinc.com. pay to be featured in PAYACTIV provides employees real-time access to up to one our newsletter. CONTROLSCAN has been selected by FIS’s Worldpay half of their earned wages prior to receiving their paycheck. merchant services division to provide managed security and The company processed more than $1 billion for U.S. workers It is never compliance services that help secure IT networks and in 2018. It uses Digital Disbursements from Fiserv to enable permissible for protect payment card data for payment facilitators. employees to push money to a checking or savings account. subscribers to Nicole Jass is SVP of Product, Merchant Services at FIS, Fiserv does this via Visa Direct. Safwan Shah is CEO at forward or print this [email protected], www.worldpay.com. Matt Loos is PayActiv, [email protected], www.payactiv.com. issue. Doing so vio- EVP of Business Development at ControlScan, mloos@ Tom Allanson is President, Electronic Payments at Fiserv, lates copyright laws. controlscan.com, www.controlscan.com. [email protected], www.fiserv.com. Conferences & Seminars Asia Global Payment Summit Next-Generation Cards 2019: Seamless West Africa 2019: CARDSESSION 2019: November 2019: October 10-11, 2019. October 15-16, 2019. The Novotel November 4-6, 2019. The 21, 2019. The Plaza Ambassador The Sofitel Bali Nusa Dua, Bali, Singapore Clarke Quay, Singapore. Movenpick Ambassador Hotel, Zlata Husa Hotel, Prague, Czech Indonesia. Estimated attendance: Estimated attendance: 250. Cost for Accra, Ghana, Africa. Estimated at- Republic. Estimated attendance: 150. Cost for the two-day confer- the two-day conference ranges from tendance: 500+. Cost for the three- 250+. Cost for the one-day confer- ence is $1,695 for full program; $120 to $750. Subscribers to The day conference is $495 ($675 with ence is $200. Subscribers to The $1,295 for one-day pass until Nilson Report will receive a 20% pre-event) until October 11 (group Nilson Report will receive a 30% October 1, 2019. Subscribers to discount. (Use code NR_NGC.) rates available). Subscribers to The discount. (Use code CARDS2019.) The Nilson Report will receive Contact Zoe Ye at APSCA, Nilson Report will receive a 20% Contact Roman Kotlan at Bank Card a 20% discount. (Use code 86 (21) 3120-0321 x17, zoe.ye@ discount. (Use code Nils20.) Association, 420 (604) 727-501, NILSONDISCOUNT.) Contact apsca.org. Register at Contact Kimberly Vorster at [email protected]. Adriana Screpnic at Currency www.apsca.org/events/ngc2019/ Terrapinn, 27 (11) 516-4034, Register at http://cardsession.com/ Research, ascrepnic@ registration. [email protected]. registration.html. currency-research.com. Register at Register at http://bit.ly/2mR7H0q. www.globalpaymentsummit.com. 2 VISIT US ONLINE AT WWW.NILSONREPORT.COM Order Back Issues / Preview Upcoming Conferences / View Newsletter Archive 1 VISIT US ONLINE AT WWW.NILSONREPORT.COM Order Back Issues / Preview Upcoming Conferences / View Newsletter Archive BLUEFIN has received U.S. Patent No. 10,382,405, Managing Payload SBM BANK in Kenya will issue prepaid UnionPay brand cards denominated Decryption Via Fingerprints, a continuation of U.S. Patent No. 9,953,316, in local currency (shillings) with yuan and USD denominations to follow next issued in April 2018. This expands Bluefin’s patent coverage of its proprietary year. Customers will be able to top up the card at SBM bank branches. fingerprinting methods and point-to-point encryption management computing Paul Kaguru is Head of Cards at SBM Bank Kenya, paul.kaguru@ systems. Ruston Miles of Chief of Strategy, [email protected], sbmbank.co.ke, www.sbmbank.co.ke. Luping Zhang is Africa General Manager www.bluefin.com. at UnionPay, [email protected], www.unionpayintl.com. EVERYWARE bills itself as a conversational payment gateway. The company’s TRIBE PAYMENTS has received certification from Visa for issuer and acquir- technology lets retailers automatically send text receipts after every purchase er processing services in the European Economic Area. The company also has to authorize and validate payments. Larry Talley is CEO, [email protected], certification from Mastercard and UnionPay. Jill Docherty is Head of Business www.everyware.com. Development at Visa, [email protected], www.visa.com. Suresh Vaghjiani is CEO at Tribe Payments, [email protected], www.tribepayments.com. FORTER’S dynamic authentication, part of its fraud prevention platform, has been integrated with Mastercard’s Smart Interface payment authentication DIVIDO, a multinational, omnichannel white-label platform provider of services.
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