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A NEW LOOK for the FOR 49 YEARS, THE LEADING PUBLICATION COVERING PAYMENT SYSTEMS WORLDWIDE NILSON REPORT MAY 2020 / ISSUE 1175 NEXT ISSUE Payment Industry’s Response to Covid-19—Part 3 Governments worldwide are taking steps to reopen their Top Acquirers in Europe economies to retail commerce, manufacturing, and services as they address the global recession triggered by the fight against Purchase Transactions (Bil.) the Covid-19 pandemic. 2019 VS. 201 On pages 10 and 11 we highlight actions taken in North and SERANK South America, Asia, and Europe taken by card and mobile ‘19 20.61 payment companies to address the impact of Covid-19. ’18 14.37 > see p. 10 WORLDPAY Global Payments Gets Truist Credit Card Processing ‘19 9.67 ’18 8.70 The Total System Services (Tsys) business unit of Global Payments BARCLAYS will handle credit card account processing services for Truist, the ‘19 7.34 bank holding company formed by the 2019 merger of BB&T and ’18 7.00 > see p. 6 J.P. MORGAN ‘19 4.62 First Quarter Card Results in the U.S. ’18 3.75 Consumer, small business, and commercial credit, debit, and NETS prepaid cards carrying Visa, Mastercard, Discover, and American ‘19 4.42 Express brands issued in the U.S. as well as payments settled ’18 3.58 > see p. 5 CREDIT AGRICOLE ‘19 3.94 Aluminum Payment Cards ’18 3.61 WORLDLINE Anomatic has spent the last three years in research and ‘19 3.87 development of its all-aluminum anodized AnoCard card. ’18 3.48 AnoCards, which are manufactured using 100% recyclable CREDIT MUTUEL > see p. 5 ‘19 3.86 Adflex B2B Digital Payment Processing ’18 3.61 More than 3,000 companies use the Adflex multilingual, © 2020 The Nilson Report multicurrency (150+) platform to increase accounts payable and Top 45 Merchant Acquirers in Europe accounts receivable efficiencies between buyers and suppliers. > see p. 6 A ranking of the 45 largest acquirers of Visa (including Electron) Investments & Acquisitions—April 2020 and Mastercard (including Maestro) credit, debit, and prepaid card payments from merchants in Europe based on transactions Turn to page four for a list of 63 acquisitions and investments that processed in 2019 is presented in the chart on pages 8 and 9. occurred in 20 countries in April 2020. The U.S. led with 26 deals, The chart above shows Europe’s eight largest merchant followed by Europe with 18, Asia-Pacific with 11, Middle East- acquirers ranked by combined global brand (Visa, Mastercard, Africa with 5, Canada with 2, and Latin America with 1. American Express, Diners Club, UnionPay, and JCB) payments Prior issues: 1173, 1171, 1169 acquired as well as four Europe-based domestic-market-only > see p. 4 > see p. 7 INSIDE 2 – 3 Fast Facts CHARTS 5 U.S. General Purpose Cards 1Q 2020 vs. 1Q 2019 Management Changes 7-9 Top Merchant Acquirers in Europe Ranked by: Transactions & Purchase Volume and Mastercard/Visa Transactions 12 Top 25 Acquirers of Web Transactions in Europe © 2020 HSN Consultants, Inc. THE NILSON REPORT VISIT US ONLINE AT WWW.NILSONREPORT.COM FIS has launched FIS Digital Issuance, which lets financial VISA, MASTERCARD, AMERICAN EXPRESS, and DIS- institutions provide newly approved applicants with COVER have postponed increases in interchange and mer- 12TH EDITION The World’s Top Card Issuers and Merchant Acquirers immediate mobile access to their credit and debit accounts. chant fees until April 2021. Adjustments had been scheduled Now in its 12th edition, this 126-page report lists 1,109 Avidia Bank is the first issuer to offer the service. FIS Digital for July 2020. Amex, Visa, Mastercard, and Discover have card issuers in 117 countries grouped by region. Issuance also provides a same-day mobile replacement also postponed the imposition of the EMV fuel pump liability option for cardholders whose cards are lost, stolen, or shift from issuers to gasoline sellers. Our research report is available as a PDF and, for the compromised. Jim Johnson is Head of Payments and Wealth CONFERMA PAY, provider of virtual card technology to first time, data tables are also available in Excel format. at FIS, [email protected], www.fisglobal.com. corporations, has integrated Visa virtual cards in the The World’s This much-requested update adds new possibilities for Todd Wood is AVP Digital Banking at Avidia Bank, t.wood@ Top Card Issuers exploring our data. FAST Conferma Pay mobile app. Employees can make virtual card avidiabank.com, www.avidiabank.com. payments anywhere contactless payments are accepted. and Merchant Acquirers As a Nilson Report subscriber, you will appreciate PAYA, an integrated payment provider that handles over Purchases are captured in a single record, providing the FACTS 1,1 AR ISSUERS having our regional and worldwide figures in one $30 billion annually for over 100,000 customers, will be commercial card program manager with visibility into an ERCANT ACUIRERS ASIAPACIFIC, CANADA, EUROPE, LATIN AMERICA, reference document. You will also get the following offered to clients of Healthfully, an enterprise healthcare individual’s spending. Paper receipts or manually submitted UNITED STATES, MIDDLE EAST AND AFRICA Visa, Mastercard, American Express, UnionPay, JCB, Discover and Diners Club service provider. Mark Engels is Chief Revenue Officer expenses are eliminated. Kevin Phalen is SVP, Global Head at (not published in the newsletter): WHAT YOU’LL FIND IN THIS REPORT MAY 2020 at Paya, [email protected], www.paya.com. Visa Business Solutions, [email protected], www.visa.com. Worldwide By World Region General Purpose Cards General Purpose Cards 2018 vs. 2017 Paul Viskovich is CEO at Healthfully, [email protected], Simon Barker is CEO at Conferma Pay, simon.barker@ Purchase Transactions on Global Cards Market Shares of Purchase Volume • Top 300 Issuers Worldwide by Country (ranked by ISSUE 1175 Purchases by Card Type YOY Growth/Decline in Purchase Volume Top 300 Issuers Top General Purpose Card Issuers purchase volume) www.healthfully.io/. conferma.com, www.conferma.com. Top 150 Credit Card Issuers Top 50 Credit Card Issuers Top 150 Debit Card Issuers Top 50 Debit Card Issuers • Top Merchant Acquirers Worldwide (ranked by Top 100 Maestro Issuers Largest General Purpose Card Issuers No paid SECURETRUST, a division of Trustwave, has launched COMPASS PLUS migrated Network International’s 12 Top 150 Credit Card Portfolios Card Issuers Credit vs. Debit Top 150 Merchant Acquirers Largest Merchant Acquirers purchase volume) advertising. SecureTrust PCI Manager, a cloud-based platform that issuer processor clients (banks) in Egypt from legacy Photo by Kewal on Unsplash • Hundreds of additional listings: No sponsored provides Payment Card Industry (PCI) compliance validation infrastructures in 2019. Network International, a top third- FOR 50 YEARS, THE LEADING PUBLICATION COVERING PAYMENT SYSTEMS WORLDWIDE Issuers by Region and Country (more than the top 50) content of any kind. and enhanced risk mitigation for acquiring banks and party processor in the Middle East and North Africa, has Figures include cards in circulation and Credit vs. Debit Issuers by Region by Country Ever. merchant service providers. It was designed for all self- used Compass Plus software for 14 years. Alexey Osipov is spending for credit & debit in each world region. assessing entities (Level 2 through Level 4). Michael Petitti is EVP & MEA Managing Director at Compass Plus, a.osipov@ Order online, or contact our subscription manager President at SecureTrust, [email protected], compassplus.com, www.compassplus.com. Hany Fekry is Order Today ([email protected]) to inquire about pricing. www.securetrust.com. Managing Director, Egypt at Network International, www.nilsonreport.com/research [email protected], www.network.ae. CLEARSALE has moved the hosting of its anti-fraud application to Microsoft Azure and to using the Azure SQL TRUSTONIC has provided KB Kookmin Bank (KB Bank), Database hyperscale tier. The move lets ClearSale, which the largest bank in Korea with three million mobile custom- has over 3,000 customers worldwide, streamline upgrades ers, with Trustonic Application Protection (TAP) to enable to new and existing applications. Rafael Lourenco is EVP a simpler authentication process for the KB star banking and Partner at ClearSale US, [email protected], app. Trustonic’s mobile application protection lets the bank www.clear.sale. provide faster and more secure digital banking services because it isolates authentication certificates in the LINKED2PAY, a risk management and payment hardware of smartphones. Dion Price is CEO at Trustonic, technology provider, has launched CustomerConnect, [email protected], www.trustonic.com. which aims to eliminate late B2B invoice payments. CustomerConnect supports merchant accounts on card DPO GROUP, a payment service provider to over 100,000 processing gateways including TSYS MultiPass/TransIT, merchants in Africa, has expanded operations to include Heartland Portico, First Data, NAB Velocity, and francophone countries Senegal, Côte d’Ivoire, and the Authorize.Net. It also supports the linked2pay and Paya ACH Democratic Republic of the Congo. DPO is the largest gateways. Robert McShirley is CEO at linked2pay, PSP in South Africa. Eran Feinstein is CEO, [email protected], www.linked2pay.com. [email protected], www.dpogroup.com. ASURINT, provider of background checks used in the hiring UNIONPAY has expanded its online merchant acceptance process for both recruiters and candidates, has gone live in Europe with 10 partnerships, including Stripe, Santander, with BillingPlatform’s fully automated, cloud-based billing and Nexi. Since the beginning of the Covid-19 pandemic, services. Dennis Wall is CEO at BillingPlatform, dennis.wall@ global online transaction volume at UnionPay has increased billingplatform.com, www.billingplatform.com. Brent Sisson is by 20%. Wei Zhihong is International Market Dir. & General CFO at Asurint, [email protected], www.asurint.com. Manager of Europe Branch, [email protected], www.unionpayintl.com.
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