Payments As a Service Tracker™ DECEMBER 2017

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Payments as a Service Tracker™ DECEMBER 2017

From Laying Plinth To Processing Payments: How Mobile Is Changing The Construction Game

How Buildertrend pairs payments with Target unveils a smartphone- Check out the top providers customer acquisition and scheduling to based payment platform in the PaaS space

simplify contracting and construction – Page 10 (News and Trends) – Page 17 (Scorecard) management — and make it faster

– Page 6 (Feature Story) Table of Contents

PAGE What’s Inside 03 The latest developments in international Payments as a Service solutions.

PAGE Feature Story Scott Siegert, director of client services at construction management software provider Buildertrend, discusses how the company’s platform helps contractors go from securing a proposal to finishing a job — and getting paid when the job 06 is done.

PAGE News and Trends 10 The latest headlines from around the PaaS space.

PAGE Methodology | Top Ten Providers Best of the bunch 15 Who’s on top and how they got there.

PAGE Scorecard The results are in 17 See the top PaaS providers.

PAGE About 73 Information on PYMNTS.com and Paysafe.

Acknowledgment The Payments as a Service Tracker™ was done in collaboration with Paysafe, and we are grateful for their support and insights. PYMNTS.com retains full editorial control over the findings presented as well as the methodology and data analysis.

EXECUTIVE INSIGHT

With consumers expecting instant payments and faster deliveries, how can smaller merchants compete in a market that is exceedingly dominated by players like Amazon and Walmart?

“The best advice I can give is to partner up with a payments provider who really understands your business. Payments can be incredibly complicated: regulatory and compliance rules, payout management and international payment acceptance can all conspire to overwhelm even the ith simplicity, speed and convenience brightest entrepreneur. A smaller player who tries Wbecoming the new name of the game, it to go it alone might find the steep learning curve appears the days of complicated payment systems will suck a lot of time, focus and energy from other are numbered. parts of scaling up the business. Collaborating with a provider who can deliver a value-add, ‘boutique’ The growth in smartphone penetration has led to services approach can be a unique selling point the augment of instant connectivity and commerce for any platform business, setting it apart from the — and with that has come the rise of merchants bigger players. To this end, a turnkey solution can focusing more on the tech they offer than the enable and position a platform business to grow products they sell. Domino’s, for one, has built its revenue and even punch above its weight – a brand on its online and mobile technologies, definitely an ace up the sleeve.” solutions that offer simple, convenient sales and create a fast and seamless delivery process.

Now that consumers have gotten a taste of life in the fast lane — thanks to nearly instant shipping CARLA ERLICK, and constantly available customer service and Senior Vice President, Sales and Business support — their expectations are higher than ever. Development at Paysafe Group. Having consumers complete complicated, confusing payment processes when it comes time to pay their tabs just doesn’t fit the bill anymore.

Over the past month, technology and service To find the rest of the latest headlines from the providers increasingly looked to make sending Payments as a Service space, check out the and receiving money easier for consumers and Tracker’s News and Trends section (p. X). companies alike — and debuted new tools and solutions aimed at doing just that. Building a new kind of construction solution Managing a construction site is no easy job. Here’s a snapshot of recent, notable Payments as Between keeping tabs on subcontractors, creating a Service (PaaS) news: invoices and collecting payments, there’s plenty Target is bringing customers a new smartphone that contractors must track while turning plans into payment platform in time for the holiday shopping reality. season. Its new mobile wallet, available for iOS That’s where companies like construction and Android devices, allows shoppers to make management platform Buildertrend come in. purchases using the Target REDcard through the According to Scott Siegert, the company’s director Target app. In addition, the app’s Cartwheel feature of client services, Buildertrend is combining helps users find discounts and savings during the payment processing, scheduling and other checkout process. construction-oriented features to take the friction Meanwhile, financial services provider Nordea wants out of the construction management process. to make paying bills a bit more social. The company In a recent interview with PYMNTS for this month’s is partnering with digital payments firm Nets to Tracker feature story (p. X), Siegert discussed the allow Norwegian customers to pay utility bills using challenges that come with managing the full length Facebook Messenger. With the fully automated of a project’s lifecycle — and how the company is service, users can make payments — anytime and helping contractors do it right from their mobile anywhere — by initiating an online conversation in a devices. Messenger chatbot.

Elsewhere in Europe, payment processing company PaaS Tracker updates Wirecard is helping the Austrian Post create a The December issue of the Tracker profiles payments hub. The company is partnering with more than 100 global PaaS providers and their sendhybrid, a subsidiary of the Austrian postal contributions to the growing payments market. service, to enable electronic post box users to The Scorecard also features five new additions this digitally settle invoices in real time from the month: Bridg, Buckaroo, Dalberry, Magnius and hybridService portal. Secure Trading.

Percentage of customers who say their online 78% payment experiences influence their decision to return to a retailer’s eCommerce site

Percentage growth of mobile 75% payment usage in the fast food industry in 2016

Anticipated growth in transaction FIVE 32.26% volume in the global mobile FAST FACTS payments market from 2014 to PLATFORM SECURITY 2019

Percentage growth of the U.K.’s 43% alternative finance market in 2016, driven by small businesses

Expected growth rate of online shoppers 50% between 2013 and 2018, reaching 1.68 billion, based on U.N. research

Payments as a Service Tracker™ © 2017 PYMNTS.com All Rights Reserved November 2017 | 6 FEATURE STORY “When we talk about project management or even collecting payments, these are all things that our customers want to be doing and need to be able to do on a job site.”

Even before shovels break ground and crews arrive, Getting the job there’s plenty that contractors need to get done if For a job of any size or scope, the first step — and they want a construction job done right. perhaps the most important one — is winning the From building proposals and creating estimates bid process. to finding subcontractors and scheduling shifts, A large part of contracting goes beyond just contractors’ responsibilities can seem endless. Add working on the construction project, Siegert it all together, and they sometimes feel as if they explained. It also entails securing help to make spend more time managing a job than actually it easier to execute. Finding customers, building working on it. bids and planning proposals are all crucial for That’s a problem that can be efficiently solved contractors, but it can be a frustrating, time- without pen and paper, according to Scott consuming process with no guarantee of payment Siegert, director of client services for construction when it’s all said and done. management platform Buildertrend. Buildertrend software works to enable contractors In a recent interview with PYMNTS, Siegert to generate sales leads and interest in their explained how the company’s software platform companies, Siegert said. The platform offers helps its more than 11,000 contractor customers automated email marketing tools designed to reach manage everything for a project right from the job those who are planning or considering building site — including creating proposals, connecting with or remodeling. It also helps contractors build and managing subcontractors and employees and, proposals and bids with both start-from-scratch and of course, getting paid when the job is done. premade templates. Users can save successful bids as custom templates for use on future proposals.

If customers like what they see, Buildertrend’s month. It connects them with subcontractors, like software allows them to sign off instantly via a electricians and plumbers, to get those to-do list mobile or desktop device. This helps contractors items done and helps with both scheduling and avoid wasting time that could be spent working on paying for their work. the construction project. “When we think about project management, we “Our users can reach out to their customers think about trying to help with all of the different and then build out an estimate — complete [activities] you would need to be able to conduct with appropriate markups for their prospective from a job site,” Siegert said. “There are features customers — so the customer can see exactly what built in for everything from a contractor’s daily the bid calls for and know what they’re approving,” punch list or to-do lists to scheduling things and Siegert said. “It also then has tools to move those making changes based on the long-term outlook of proposals forward and bring them from a bid stage a project.” to project management.” Buildertrend’s software makes communicating with customers easier for contractors, enabling them to Managing the job load photos, videos or written updates to share with Once a signed proposal has been secured and the clients instantly from a job site. This gives clients a project transitions from planning to building, that’s window into the construction’s progress. when the headaches truly begin for those steering the ship toward its destination, Siegert explained. “There are features built in for both document sharing and photo or video sharing,” Siegert With construction underway, a contractor’s said. “You can even mark up documents, photos management responsibilities include everything or videos in case a contractor needs to make from coming up with each day’s to-do lists, adjustments or wants to highlight something.” scheduling appointments and managing work from other experts and subcontractors to keeping track Buildertrend offers tools to manage a contractor’s of their own employees’ hours and locations. Facebook, Twitter or Pinterest feeds too. He can then easily update customers and observers about notable projects on social media and share his latest creations.

Field access Finishing the job is a must. But, even after the foundation has been laid and the walls have been painted, contractors still have more work to do before they can declare any project That’s a pain point Buildertrend aims to resolve finished and bill a customer for it, Siegert said. through its software solution. To solve this friction, the software allows contractors The platform offers both short- and long-term to track costs and purchase orders, bill customers planning features to help contractors know what and accept payment via credit card, debit card or they need to get done on any given day, week or eCheck. It also integrates with accounting software

like QuickBooks and Xero so contractors can “Field access is a must,” he added. “When we accurately track internal expenses and payments talk about project management or even collecting and record them. payments, these are all things that our customers want to be doing and need to be able to do on a Most importantly for Buildertrend’s customer base, job site.” all the software’s capabilities — from proposals and planning to payment acceptance — are mobile- After all, Buildertrend’s clients don’t want to spend friendly. The company worked for a long time to their time in front of a computer screen. They’re build an app that would allow contractors and depending on a payments-powered solution to construction managers to view their plans, modify help them manage their jobs while they pitch plans schedules and access other features from the office, to prospective clients and turn those plans into job site or anywhere else, Siegert noted. realities.

Powering point of sale With the Thales HSM integration, Kashing will New checkout tool for Fido’s checkup enable merchants to accept in-person, telephonic A new software solution could make booking and and online card payments. The upgrade also means paying for veterinary appointments a whole lot the company is reportedly compliant under the easier. Payment solution provider PayJunction Payment Card Industry Data Security Standard (PCI recently collaborated with cloud-based veterinary DSS), which outlines specific requirements for the software provider ezyVet on a streamlined payment processing, storage and transmission of payment processing service. The collaboration provides vet data. establishments with EMV-ready Smart Terminals to reduce payment friction, allowing the facilities to keep customers’ cards on file and eliminating the need for them to pay at the end of an appointment. Mobile movements

The integration will also allow ezyVet customers to accept EMV, near-field communication (NFC) Will Target’s digital wallet hit the bullseye? and magstripe credit card payments, as well as Just in time for the holiday shopping season, and in electronic signatures. According to a news release, keeping with the company’s recent announcement the solution allows vet offices to offer animal that it will focus on eCommerce, Target is delivering wellness plans, automate recurring billing for a new payment service to customers’ smartphones. installment plans and multi-user/location reporting The mobile wallet, available for iOS and Android, tools. allows shoppers to make purchases on the company’s app using the Target REDcard. The app Kashing taps Thales to secure eCommerce, mPOS also offers a Cartwheel feature to help users find transactions discounts and other savings during the checkout Digital payment service provider Kashing is process. upgrading to offer a more secure eCommerce In a company blog post, Chief Information Officer and mobile point-of-sale (mPOS) card reader. To Mike McNamara said the goal of the new service is that end, the San Jose, California-based company to make the checkout process “easier and recently announced it will deploy information systems and data security company Thales’ payShield 9000 hardware security module (HSM).

faster” by offering payments, Cartwheel savings and weekly coupons on the same interface. Target Partnering providers also intends to offer users the ability to store and redeem gift cards. First Data buys BluePay Credit card processing and payment solutions firm First Data has announced the completed acquisition of BluePay, a technology-enabled payment processor for merchants in the U.S. and Canada. In a statement, First Data Chairman and CEO Frank Bisignano said the acquisition would enable the company to offer enhanced services to its distribution partners. The two companies had previously collaborated, and BluePay was one of First Data’s largest distribution partners with a strong focus on software-enabled payments and card-not-present (CNP) transactions. Global Payments hops aboard the mobile payments train BluePay offers software integration solutions to Meanwhile, banking customers in Spain recently complement those offered through First Data’s gained a new mobile payments method. U.S. CardConnect business. It processes approximately payment technology services provider Global $19 billion in annual sales volume for more than Payments Inc. and Spain-based retail bank 77,000 eCommerce companies and is integrated CaixaBank have announced a joint effort to offer into more than 450 software platforms. BluePay Apple Pay through the CaixaBank Pay mobile app. CEO Bala Janakiraman will continue to lead BluePay’s payment processing operations. According to a news release, customers can add their CaixaBank cards to the Apple Wallet to use SalePoint partners with Elavon Apple Pay at businesses that accept contactless payments. Global Payments sees the move as an Payment processor Elavon and software company opportunity to increase its customer base in Spain SalePoint are collaborating to produce a series of and across Europe. It currently offers Apple Pay omnicommerce payment solutions. According to a services in Canada, China, Singapore, the U.K. and press release, the solutions will be Elavon-branded the U.S. products and marketed jointly alongside SalePoint’s retail solutions.

Paul Streicher, SalePoint president, noted that the companies were collaborating to combat an

increase in data breaches and help customers boost program interface (API) that can support third-party payments security. Similarly, Jana Franks, senior developers’ integration into their own solutions. vice president and general manager of Elavon, said the collaboration would help retailers “protect The service is currently operating in private beta, their customers while complying with the ever- and nanopay expects to open it up for public changing requirements of PCI and EMV credit card availability in February. standards.” Payment Rails releases white label platform Online marketplace payments solution provider Payment Rails is going cross-border. The company Crossing borders recently announced the launch of its international API and white label payment platform which partner merchants can integrate into their own offerings. nanopay’s new payments platform The solution supports business payments for Canadian companies now have a new way to receive merchants in more than 135 currencies. domestic payments — and soon those from China, Built with blockchain technology from Ripple to too. Canada-based payments solution provider offer liquidity management and support both nanopay recently introduced a B2B payments domestic and cross-border transactions, the platform specifically to support domestic payments Payment Rails platform integrates into faster in its home country. The majority of B2B payments payment schemes, ACH and bank networks — and continue to come in the form of paper checks or boasts integrated machine learning technology to wire transfers, which can be expensive and slow. automate payment routing based on “speed, cost The nanopay B2B payments platform allows users to and FX rates.” It also uses artificial intelligence link their bank accounts to send payment requests (AI) to ensure regulatory compliance and fraud and receive payments that include ISO 20022 protection, too. metadata for straight-through processing.

The platform will soon expand to include international B2B payments with the U.S., and nanopay expects to integrate China and India onto it in Q2 2018. Users will have greater visibility into foreign exchange (FX) costs when paying an invoice that is not in their local currency, and the platform will launch as a web application with an application

Financial institutions, FinTech firms prep for PSD2 2018 is coming up fast, and with it will come the arrival of new banking regulations in the European Union. The European Directive on Payment Services in the Internal Market (PSD2) will go into effect on Jan. 13, 2018. That means FinTech firms and financial institutions (FIs) of all shapes and sizes will soon need to comply with the regulations, including increased technical, security and communication standards. invoices sent via the platform through sendhybrid’s In a recent statement on PSD2’s arrival, Shahrokh hybridService portal. Moinian, global head of cash products and cash management for Deutsche Bank, urged FIs and In a press release, Oliver Bernecker, founder and other financial services firms to move forward with managing director of sendhybrid, said the move their implementation plans — and fast. According was part of the company’s ongoing effort to to Moinian, companies should not “wait until late “modernize traditional postal service and offer a in 2018 or early 2019 to get going. They will not reliable digital alternative.” Roland Toch, Wirecard’s only miss out on some first-mover opportunities, managing director, said the service would make but they may [also] find themselves wholly financial management processes “quicker and more underprepared for change.” efficient for companies and consumers alike.”

Invoice innovation Nordea, Nets unveil new Norwegian bill pay service Financial services company Nordea and digital Wirecard, Austrian postal service collaborate for payments firm Nets want to make paying bills digital invoicing in Norway a bit more social. The two recently Wirecard wants to make the post office a payments announced a collaborative service allowing hub. The financial services company recently Norwegian bills to be paid via an electronic announced it is partnering with sendhybrid, a invoice inside Facebook Messenger. With the fully subsidiary of Österreichische Post, the Austrian automated service, users can make payments — postal service, to offer customers a convenient anytime and anywhere — by initiating an online payment service for settling public sector digital conversation with a Messenger chatbot. invoices in real time. The new service will allow electronic post box users to digitally settle any

To participate in the secure payments process, offerings to be paid by eInvoice or installments for customers enroll with their bank ID and then use trade done in European countries, including Austria, the PIN they created for mobile banking, according Finland, Germany, the Netherlands, Norway, to Nordea. Customers can then confirm, view or Sweden and the U.K. change the outstanding eInvoices in Messenger. Now, instead of using a credit or debit card, consumers can input an email address or zip code Worldpay partners with Klarna when they’re ready to purchase. The Worldpay- Payments solution provider Worldpay is Klarna solution allows for greater options at the end collaborating with invoice and credit-based of the buying experience, including 14-day payment payments company Klarna to help customers by invoice or installments that can be fixed, flexible better compete in the European market. Under the or spread out over several months. agreement, WorldPay’s customers can use Klarna’s

Scoring breakdown

The score included in the report evaluates the various capabilities each provider offers. Different weights were assigned to each feature, depending on which ones improve and make the merchant experience easier through payments processing and also by helping in every aspect of selling and buying.

Payments Acceptance and POS: Processing: Features that enable merchants Different types of payments to accept payments easily in the providers accept a store or online

Engagement and Marketing: Software: Payments Capabilities offered Type of software to help companies management offered as a capture and engage Service customers Tracker™

Operations: Security: Different capabilities Features offered offered to business to prevent fraud administration functions and enable safer, more accurate ID of consumers or Hardware: businesses Considered if provider offers device to process payments

For more details on PYMNTS’ methodology, see the Tracker’s About section.

01 83 Tie

02 78 Tie

03 77 Tie

04 74 Tie

05 72 Tie

06 71 Tie

07 67 Tie

08 64 Tie

09 63 Tie

10 62 Tie

PYMNTS will periodically update scores based on new developments. If you would like your company to be considered for inclusion in the Tracker’s Scorecard or wish to have an existing listing reconsidered for an update, please head over to our profile submission/update page.

Note: Companies are listed in alphabetical order

Company: Acapture 29 Founded: 2015 Headquarters: Netherlands

05 0 06 10 05 01 02

Payments ngagement Tye o Tye o Tye o erations Sotare Accetance Marketing Payment Secrity ardare Mgmt

Acapture offers payment solutions for PSPs and ecommerce merchants. The company’s platform includes features such as global card acquiring, alternative payment methods, POS and anti-fraud tools. The company also offers eCommerce platform plugins and can accept more than 50 alternative payment methods as well as more than 150 transaction currencies.

Company: Agilysys 71 Founded: 1963 Headquarters: U.S.A.

14 07 25 15 05 03 02

Payments ngagement Tye o Tye o Tye o erations Sotare Accetance Marketing Payment Secrity ardare Mgmt

Agilysys is a developer and marketer of proprietary enterprise software, services and solutions for the hospitality industry. The company specializes in point of sale, property management, inventory and procurement, workforce management, and mobile and wireless solutions and services.

Company: Aliant Payment Systems 57 Founded: 2003 Headquarters: U.S.A.

22 09 13 10 0 01 02

Payments ngagement Tye o Tye o Tye o erations Sotare Accetance Marketing Payment Secrity ardare Mgmt

Aliant Payment Systems is a merchant services company that provides credit card processing and payment processing accounts for businesses, including gift card and loyalty cards programs, ACH processing and reporting services.

Company: Allied Wallet 17 Founded: 2002 Headquarters: U.K.

05 0 0 10 0 0 02

Payments ngagement Tye o Tye o Tye o erations Sotare Accetance Marketing Payment Secrity ardare Mgmt

Allied Wallet offers processing solutions that work with most international payment methods, including Visa, Mastercard and American Express. The company’s solutions enable merchants to settle their funds into their bank acoounts in 25 currencies.

Company: allpago 14 Founded: 2012 Headquarters: U.K.

05 0 0 05 0 01 03

Payments ngagement Tye o Tye o Tye o erations Sotare Accetance Marketing Payment Secrity ardare Mgmt allpago is a payment service provider for the LATAM region providing all relevant local payment methods and features through a single API and platform. The company has an exclusive partnership with PayPal offering seller protection for foreign merchants. allpago provides a full range of flexible services for payment industry leaders, as well as eMoney issuing programs for consumers and corporates.

Company: Alpha Payments Cloud 49 Founded: 1978 Headquarters: Singapore

16 07 13 10 0 01 02

Payments ngagement Tye o Tye o Tye o erations Sotare Accetance Marketing Payment Secrity ardare Mgmt

Alpha Payments Cloud offers AlphaHub, an all-in-one Payments-as-a-Service platform that consolidates a wide range of payment types and solutions. AlphaHub’s orchestration engine allows users to customize down to the individual transaction layer using conditional logic. The omnichannel platform also offers anti- fraud features such as identification and customer behavioral analytics.

Company: AltaPay 39 Founded: 2001 Headquarters: Denmark

08 0 13 15 0 01 02

Payments ngagement Tye o Tye o Tye o erations Sotare Accetance Marketing Payment Secrity ardare Mgmt

AltaPay is a global Payment Management Company that delivers custom cross-border payment processing solutions to eCommerce businesses across Europe and the U.S. The company’s AltaPay platform works by connecting merchants to a wide array of global and local financial institutions.

Company: Aurus Inc. 72 Founded: 2000 Headquarters: U.S.A.

14 18 19 15 05 01 0

Payments ngagement Tye o Tye o Tye o erations Sotare Accetance Marketing Payment Secrity ardare Mgmt

Aurus Inc. is a payment processing platform integrated with major payment processors in the United States and 11 countries around the world. Aurus Inc. processes payments from credit and debit cards (EMV), NFC, and Apple Pay. It also enables mobile and online ordering. Some capabilities from the platform include digital messaging and marketing, personalized campaign management, digital couponing, and loyalty programs. Aurus security products include AurusShield, which takes the POS out of PCI Scope. It uses tokenization, P2P encryption and supports various fraud and risk management techniques. The firm is PCI certified.

Company: Bambora 25 Founded: 2015 Headquarters: Sweden

08 0 0 10 05 0 02

Payments ngagement Tye o Tye o Tye o erations Sotare Accetance Marketing Payment Secrity ardare Mgmt

Bambora provides card acquiring, payment processing, infrastructure and additional services to airline, eCommerce, local and Nordic retail industries. Its solutions offer infrastructure for accepting cards and the ability to accept multicurrency payments and manage payment-related risks. The company also provides Bambora ONE, an all-in-one payment solution; payment solutions for big businesses; and solutions for mobile payments and mobile marketing.

Company: Be2bill 41 Founded: 2011 Headquarters: France

05 09 19 05 0 01 02

Payments ngagement Tye o Tye o Tye o erations Sotare Accetance Marketing Payment Secrity ardare Mgmt

Be2bill is a multichannel payment solution and an acquiring institution that offers merchant accounts for online and local retailers. The company is also a Payment Service Provider and can provide eCommerce sites and physical points of sale with optimized solutions for bank card transactions.

Company: Beanstream Internet Commerce 31 Founded: 2000 Headquarters: Canada

18 0 06 05 0 0 02

Payments ngagement Tye o Tye o Tye o erations Sotare Accetance Marketing Payment Secrity ardare Mgmt

Beanstream Internet Commerce Inc. provides payment, risk management, and authentication solutions. The company offers payment, batch, online credit card, and mobile payment processing services and online payment solutions and recurring billing and virtual terminal services. It also provides sproutPOS, a mobile point-of-sale solution that enables merchants to process payments with Interac debit, MasterCard, Visa, and AMEX using their smartphones and tablets.

Company: BillPro 22 Founded: N/A Headquarters: Netherlands

09 0 0 10 0 01 02

Payments ngagement Tye o Tye o Tye o erations Sotare Accetance Marketing Payment Secrity ardare Mgmt

BillPro is a credit card acquirer and licensed payment institution offering secure payment solutions for small to large global businesses. The company offers secure, multi-currency payment options to global merchants that are supported by a secure payment card industry data security standard (PCI DSS) Level 1-compliant payment gateway.

Company: BluePay 62 Founded: 1987 Headquarters: U.S.A.

18 02 19 15 05 01 02

Payments ngagement Tye o Tye o Tye o erations Sotare Accetance Marketing Payment Secrity ardare Mgmt

BluePay, Inc. provides credit card processing solutions, including accounting software integration, Apple Pay, batch credit card processing, credit card machines, ACH payment processing, recurring credit card billing, fraud management tools, interactive voice response credit card processing, merchant accounts, merchant lending, mobile credit card processing, credit card payment gateway, PayPal, PCI compliance, point to point encryption, point of sale systems, QuickBooks integration, hosted payment form, tablet point of sale, credit card tokenization, virtual terminal and Europay MasterCard and Visa credit card processing.

Company: Borgun 28 Founded: 1980 Headquarters: Iceland

05 0 06 10 05 0 02

Payments ngagement Tye o Tye o Tye o erations Sotare Accetance Marketing Payment Secrity ardare Mgmt

Borgun provides acquiring services to merchants and issuing processing services to credit and debit cards issuers in the Icelandic market. It also supports card-not-present (CNP), including eCommerce acquiring services, for Mastercard and Visa debit cards to European companies.

NEW!

Company: Bridg 12 Founded: 2015 Headquarters: Dubai

05 0 0 05 0 0 02

Payments ngagement Tye o Tye o Tye o erations Sotare Accetance Marketing Payment Secrity ardare Mgmt

Bridg is a mobile payments platform enabling smartphones to process transactions regardless of financial instrument or the connectivity of the device. Its technology takes digital payments offline using Bluetooth, a ubiquitous communications protocol, to securely transmit and receive encrypted information in real time.

NEW!

Company: Buckaroo 22 Founded: 2005 Headquarters: Netherlands

09 0 06 0 05 0 02

Payments ngagement Tye o Tye o Tye o erations Sotare Accetance Marketing Payment Secrity ardare Mgmt

Buckaroo specializes in billing and payment solutions and in online payments for eCommerce retailers. Its portfolio of solutions helps merchants automate their payment and collection processes, and also offers international payment methods, a completely digitized invoicing system and online and offline payment collection services.

Company: Cayan 83 Founded: 1998 Headquarters: U.S.A.

18 17 25 15 05 01 02

Payments ngagement Tye o Tye o Tye o erations Sotare Accetance Marketing Payment Secrity ardare Mgmt

Cayan is a provider of payment technologies, including the Cayan Genius service, which aggregates and integrates every conceivable transaction technology, payment type and customer program into a single platform. Genius operates as a customer engagement platform interface when customers pay. Some payments this gateway accepts are: credit cards, debit cards, gift cards, loyalty cards, chip cards (EMV), NFC, Apple Pay, Android Pay and Samsung Pay.

Company: Chase Paymentech 54 Founded: 1985 Headquarters: U.S.A.

22 0 06 15 05 04 02

Payments ngagement Tye o Tye o Tye o erations Sotare Accetance Marketing Payment Secrity ardare Mgmt

Chase Paymentech is the payment processing and merchant acquiring business of JPMorgan Chase. Paymentech payment platforms help businesses of all sizes process payments, including credit, debit, and digital, alternative, mobile payment options. The company also provides business analytics, payment fraud detection and data security solutions.

Company: Checkout.com 18 Founded: 2010 Headquarters: U.K.

05 0 0 10 0 01 02

Payments ngagement Tye o Tye o Tye o erations Sotare Accetance Marketing Payment Secrity ardare Mgmt

Checkout Ltd. provides payment products and services for online merchants. The company offers payment processing, fraud management and billing services through a payment gateway and end-to-end eCommerce solutions for internet payments.

Company: CNG Pro 35 Founded: 2005 Headquarters: Denmark

05 0 13 10 05 0 02

Payments ngagement Tye o Tye o Tye o erations Sotare Accetance Marketing Payment Secrity ardare Mgmt

CNG Pro is a PSP for international merchants with card-not-present transactions. CNG’s portfolio of services includes an omnichannel payment platform, a modular payment gateway, eWallets and risk management solutions. The company provides the technology for online payments, mobile payments and mPOS transactions on a single platform, including compliance with security requirements and standards.

Company: CoCard 33 Founded: 1999 Headquarters: U.S.A.

09 07 06 05 05 01 0

Payments ngagement Tye o Tye o Tye o erations Sotare Accetance Marketing Payment Secrity ardare Mgmt

CoCard Marketing Group is a payment processing solution provider. It offers merchant processing solutions such as merchant loan programs, gift/loyalty card programs, contactless processing, and back office check conversion. It also provides various partnership programs and supports Visa, Mastercard, Discover, American Express and check processing.

Company: Computop 45 Founded: 1997 Headquarters: Germany

21 0 06 15 0 01 02

Payments ngagement Tye o Tye o Tye o erations Sotare Accetance Marketing Payment Secrity ardare Mgmt

Computop operates as a payment service provider, enabling merchants and retailers to manage their multichannel payment transactions online. It offers international and domestic payment methods, global fraud prevention management, organized and consolidated merchandise management system and payment card industry compliant solutions, including tokenization.

Company: Corduro 33 Founded: 2010 Headquarters: U.S.A.

07 15 06 05 0 0 0

Payments ngagement Tye o Tye o Tye o erations Sotare Accetance Marketing Payment Secrity ardare Mgmt

Corduro’s enterprise platform provides a complete PaaS framework, supporting mobile, online and POS terminals. It is a software mobile payments platform providing big data and social media capabilities with its payment processing. It accepts credit card and ACH payments. This payment network is an established solution that spans across numerous markets, leveraging their ability to route payments anywhere, anytime to the least cost provider. It is a certified Level 1 PCI Compliant service provider.

Company: Cornerstone Merchant Services 29 Founded: 2004 Headquarters: U.S.A.

11 0 06 05 05 0 02

Payments ngagement Tye o Tye o Tye o erations Sotare Accetance Marketing Payment Secrity ardare Mgmt

Cornerstone Merchant Services provides payment processing solutions to businesses throughout the U.S. The company helps businesses support various payment methods, including Visa, Mastercard, Discover, and regional and national debit cards. It also offers basic services and a variety of equipment and can outsource extra services to third parties, like gift and loyalty cards, cash advances, and ATMs.

Company: Creditcall 40 Founded: 1996 Headquarters: U.K.

14 0 13 10 0 01 02

Payments ngagement Tye o Tye o Tye o erations Sotare Accetance Marketing Payment Secrity ardare Mgmt

Creditcall Limited provides credit card payment processing services and online payment systems to companies in Europe, North and South America, South Africa, the Asia-Pacific and internationally. It specializes in payment gateway services and the processing of credit and debit card payments within unattended, online, and mobile payment environments. The company develops and certifies EMV Kernel software for chip and PIN.

Company: Credorax 18 Founded: 2007 Headquarters: U.S.A.

0 0 0 15 0 01 02

Payments ngagement Tye o Tye o Tye o erations Sotare Accetance Marketing Payment Secrity ardare Mgmt

Credorax, Inc., provides payment processing services to PSPs, ISOs and online retailers. The company offers NextGen, a smart acquiring and payment processing technology that provides business services and tools intended to help grow online businesses. It also provides currencies settlement, online security and safety, data management and support services.

Company: CT-Payment 46 Founded: 2009 Headquarters: Canada

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Payments ngagement Tye o Tye o Tye o erations Sotare Accetance Marketing Payment Secrity ardare Mgmt

CT-Payment Inc. provides ePOS functionality and gateway-to-gateway connectivity solutions to independent sales organizations, retail chains, corporate and institutional clients, and businesses and industries in North America. The company offers POS, EMV/chip and PIN, online/ePayment, eWallet, mobile payment, loyalty, as well as reporting solutions and services.

Company: CyberSource 38 Founded: 1994 Headquarters: U.S.A.

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Payments ngagement Tye o Tye o Tye o erations Sotare Accetance Marketing Payment Secrity ardare Mgmt

CyberSource offers a cloud-based platform that enables merchants to accept payments across multiple sales channels and a payment processing solution for cross-channel payments, gateway and processing connections, payment cards, digital wallets and digital payment services, direct debit, and bank transfers. The company also provides a fraud management solution and a payment security solution for secure acceptance web/mobile, point-to-point encryption and payment tokenization, among other services.

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Company: Dalberry 23 Founded: 2015 Headquarters: Romania

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Payments ngagement Tye o Tye o Tye o erations Sotare Accetance Marketing Payment Secrity ardare Mgmt

Dalberry develops and delivers payments processing gateways, fraud risk management programs and related consulting services for merchants, banks and businesses.

Company: Datacap Systems 51 Founded: 1983 Headquarters: U.S.A.

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Payments ngagement Tye o Tye o Tye o erations Sotare Accetance Marketing Payment Secrity ardare Mgmt

Datacap Systems develops processor and integrated payment solutions for any point of sale, regardless of system architecture. The company’s interface is designed to help POS developers keep pace with evolving trends and payment industry standards, enabling them to spend development dollars on POS innovation instead of payments.

Company: Decta 18 Founded: 1983 Headquarters: U.K.

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Decta Limited is a provider of E2E solutions for payment processing, acquiring and card issuing for customers including banks, PSPs and global online merchants. The company offers tailored solutions to help its partners increase global reach, minimize risk and reduce costs.

Company: Digital River 49 Founded: 1994 Headquarters: U.S.A.

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Payments ngagement Tye o Tye o Tye o erations Sotare Accetance Marketing Payment Secrity ardare Mgmt

Digital River provides global eCommerce, payments and marketing services. They offer secure local and global card processing, retail bank products, third-party solutions and online reporting.

Company: Dream Payments 30 Founded: 2014 Headquarters: Canada

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Payments ngagement Tye o Tye o Tye o erations Sotare Accetance Marketing Payment Secrity ardare Mgmt

Dream Payments provides a cloud-based mPOS solution for customers in Canada. It offers mobile debit and credit card processing solutions and Dream mPOS devices accepting Interac debit cards, credit cards, cash and contact and contactless cards. Dream Payments also offers a mobile app to help merchants run their businesses remotely from a smartphone or a tablet.

Company: eMerchant 23 Founded: 2002 Headquarters: U.S.A.

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Payments ngagement Tye o Tye o Tye o erations Sotare Accetance Marketing Payment Secrity ardare Mgmt eMerchant, Inc. is a merchant account and gateway provider offering payment acceptance solutions. The company provides a payment acceptance solution for both online and brick and mortar merchants and allows store owners establish up a PCI compliant credit card processing account, credit card terminal, a payment gateway for ecommerce and provides customer service to suit their needs.

Company: eMerchantPay 40 Founded: 2002 Headquarters: U.K.

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Payments ngagement Tye o Tye o Tye o erations Sotare Accetance Marketing Payment Secrity ardare Mgmt eMerchantPay is a service provider that has provided international online payment processing services to merchants across the globe. The company’s payment processing solutions and fraud prevention services aim to help businesses increase conversion ratios, expand customer reach and detect fraud. The company also provides international online payment processing gateway services, with merchant customers in over 40 countries across the globe.

Company: ePaisa 52 Founded in: 2012 Headquarters: India

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Payments ngagement Tye o Tye o Tye o erations Sotare Accetance Marketing Payment Secrity ardare Mgmt ePaisa offers an omnipayment acceptance system that enables small and medium businesses to accept credit and debit cards, digital wallets, cash, checks and bitcoin payments via their mobile-enabled POS app. The company also helps merchants offer mobile recharging, bill and utility payments, tickets, money transfers, mobile ATM transactions, and gift cards.

Company: European Merchant Services 19 Founded in: N/A Headquarters: Netherlands

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European Merchant Services (EMS) is a joint venture between First Data and ABN AMRO. EMS offers infrastructure and hardware to process payment transactions. The company’s solutions are designed to help merchants process various types of payments. EMS also provides reporting services that offer data insights into transactions.

Company: EVO Payments International 45 Founded: 1989 Headquarters: U.S.A.

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Payments ngagement Tye o Tye o Tye o erations Sotare Accetance Marketing Payment Secrity ardare Mgmt

EVO Payments International provides electronic payments processing and acquiring services for merchants. The company offers services such as non-cash payment acceptance, including terminals and other payment acceptance channels, acquiring and payment transaction processing, and fraud and loss prevention.

Company: First American Payment Systems 50 Founded: 1990 Headquarters: U.S.A.

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Payments ngagement Tye o Tye o Tye o erations Sotare Accetance Marketing Payment Secrity ardare Mgmt

First American Payment Systems is a non-bank merchant bank card processing acquirer. In addition to credit, debit and EBT card processing services, First American offers a complete line of proprietary products and services to businesses and nonprofits, including 1stPayPOS, 1stPayMobile, Secur-Chex® check services, FirstAdvantage® gift cards, FirstPay. Net eCommerce solutions, FirstFund® ACH software, Govolution® government e-payments, national ATM sales, and Merimac Capital® point-of-sale equipment and ATM leasing.

Company: First Data Corporation 78 Founded: 1971 Headquarters: U.S.A.

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Payments ngagement Tye o Tye o Tye o erations Sotare Accetance Marketing Payment Secrity ardare Mgmt

First Data Corporation is a global provider of electronic commerce and payment processing services designed for merchants, financial institutions and their customers. The firm processes payment transactions in a fast, easy and secure way. First Data accepts credit and debit cards, EMV chip cards, electronic checks, and private label and gift cards. The cloud-based platform also offers management capabilities, such as reporting and inventory tools. First Data provides clients a secure solution with PCI certification and tokenization.

Company: Fondy 30 Founded: N/A Headquarters: U.K.

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Fondy is a financial institution that provides its clients with money transfer services and credit card processing solutions on customers’ websites or mobile apps.

Company: Forte 28 Founded: 1998 Headquarters: U.S.A.

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Payments ngagement Tye o Tye o Tye o erations Sotare Accetance Marketing Payment Secrity ardare Mgmt

Forte Payment Systems provides payment processing and fraud prevention services. The company offers automated clearing house, credit card, and e-check processing services and mobile payment, check verification, checkout, direct recovery, virtual terminal, bill presentment, and payment gateway solutions. It also offers full stack APIs and dynamic processing services for developers and merchants who seek web, mobile and retail options.

Company: Global Payments 63 Founded: 1967 Headquarters: U.S.A.

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Payments ngagement Tye o Tye o Tye o erations Sotare Accetance Marketing Payment Secrity ardare Mgmt

Global Payments Inc. provides payment solutions for credit cards, debit cards, electronic payments, and check-related services. The company’s services include terminal sales and deployment, authorization processing, settlement and funding processing, customer support and help-desk functions, chargeback resolution, industry compliance, payment card industry security, consolidated billing and statements, and online reporting. It offers credit and debit card transaction processing services for various international card brands and Realex Payments, a European online payment gateway technology.

Company: Govolution 41 Founded in: 1998 Headquarters: U.S.A.

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Payments ngagement Tye o Tye o Tye o erations Sotare Accetance Marketing Payment Secrity ardare Mgmt

Govolution provides enterprise electronic payment solutions. Its Velocity Payment System includes various solutions, such as credit card, e-check, and debit card processing. The company also offers credit card terminals and check scanners for purchasing and leasing. It serves government, utilities, hospitals, medical practices, education, call centers, insurance, mass transit, charitable giving, membership clubs, retail and billing services industries.

Company: Heartland Payment Systems 44 Founded in: 1997 Headquarters: U.S.A.

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Payments ngagement Tye o Tye o Tye o erations Sotare Accetance Marketing Payment Secrity ardare Mgmt

Heartland Payment Systems provides bank card-based payment processing services to SMBs. The company has developed or acquired businesses in payroll processing, gift card and campus card solutions, point of sale systems, school payments and nutrition, network management, mobile payments and ordering, ecommerce, billing solutions, and lending services.

Company: Heidelpay 37 Founded: 2003 Headquarters: Germany

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Heidelpay, the omnichannel payment solution from Heidelberger Payment GmbH, provides a portfolio of payment solutions for eCommerce, mobile commerce, POS, mail order/telephone order and marketplaces, among other distribution channels. The company offers more than 200 national and international payment methods and enables online retailers to accept payments from various global regions. The solution includes every internationally approved payment method, a risk suite and extensive service ports in areas such as analyzing and reporting, debtor management, subscription, and account management.

Company: Helcim 41 Founded: 2006 Headquarters: Canada

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Helcim is a credit card payment processing company providing payment processing services in Canada and the United States. The company offers retail POS terminal that includes EMV security, a merchant account, a viritual payments terminal and other tools, along with a mobile payments app for Android and iOS.

Company: Host Merchant Services 37 Founded: 2009 Headquarters: U.S.A.

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Payments ngagement Tye o Tye o Tye o erations Sotare Accetance Marketing Payment Secrity ardare Mgmt

Host Merchant Services is a merchant services company that offers payment processing and business tools such as email, eCommerce storefronts with integrated payments, cloud-based CRM solutions, marketing, data, and customer analytics.

Company: Ingenico Group 67 Founded: 1980 Headquarters: France

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Ingenico Group is a global provider of seamless payments, offering solutions to empower commerce across all channels, including in-store, online and mobile. Accepted Ingenico payments include credit and debit cards, EMV chip cards, closed-loop payment networks, contactless or NFC technologies, e-wallets and QR code payment solutions.

Company: Intelligent Payments 31 Founded: 2008 Headquarters: U.K.

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Payments ngagement Tye o Tye o Tye o erations Sotare Accetance Marketing Payment Secrity ardare Mgmt The Intelligent Payments platform is designed to help merchants manage evolving fraud patterns and build precise profiles of their customers. Intelligent Payments uses a single platform to manage web and mobile payments, ensuring the customer receives the same payment experience regardless of the device used. The company offers a single API that allows merchants to connect to many acquirers and more than 60 alternative payment methods to support international payment requirements.

Company: Intrix Technology 36 Founded: 1997 Headquarters: U.S.A.

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Intrix Technology, Inc. delivers payment-processing software solutions and services for developers, enterprises, retailers, processors, and sales organizations. The company develops the Intrix Payment Gateway, Intrix Virtual Terminal, a web-based solution to access a merchant services site for authorizing and entering credit card purchases and other payments, and Intrix Recurring Payments, a recurring module for merchants that bill for subscriptions, memberships, or to store a card on file for their existing customers.

Company: iPayment 47 Founded: 1999 Headquarters: U.S.A.

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Payments ngagement Tye o Tye o Tye o erations Sotare Accetance Marketing Payment Secrity ardare Mgmt iPayment, Inc., provides credit and debit card payment processing services to small merchants in the United States. Its services include application processing, underwriting, account setup, risk management, fraud detection, merchant assistance and support, equipment deployment, and chargeback services.

Company: Kalixa 26 Founded: 2001 Headquarters: U.K.

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Kalixa’s electronic payment services enable consumers, small businesses and merchants to make and accept digital payments. The company’s products include Kalixa Pay, which help users make payments with personal eWallet and prepaid MasterCard. Other solutions include Kalixa Pro that allows users to make and accept card payments on smartphones or tablets and Kalixa Accept that enable customers to accept online payments.

Company: Klik & Pay 22 Founded: 2000 Headquarters: Switzerland

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Klik & Pay is a global secure gateway payment solution accessible via computer, tablet or smartphone. The company’s solutions include direct and deferred payments, 3-D Secure and subscription services.

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Company: Magnius 24 Founded: 1997 Headquarters: Netherlands

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Payments ngagement Tye o Tye o Tye o erations Sotare Accetance Marketing Payment Secrity ardare Mgmt

Magnius offers a platform linking companies’ physical and online stores. Its portfolio of solutions includes fraud and risk management, business intelligence and payments terminals.

Company: Merchant e-Solutions 38 Founded in: 1999 Headquarters: U.S.A.

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Merchant e-Solutions provides payment processing services, including mobile credit card payment processing solutions through iPhone, iPad, or Android smartphones, online payment processing solutions comprising phone or mail order transactions, point-of- sale payment processing options, debit card and alternative payment solutions. Its platform allows users to manage business and account preferences, and run reports and merchants to accept payments in foreign currencies.

Company: Merchant One 45 Founded: 2004 Headquarters: U.S.A.

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Merchant One Payment Systems, Inc. provides credit card processing services. It offers retail, mail/phone order, e-commerce, wireless programs, trade show vendors, and retail solutions. The company also develops and iOS app that allows clients to process credit cards directly from their iPhone.

Company: MerchantPlus 31 Founded: 2003 Headquarters: U.S.A.

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MerchantPlus provides businesses with payment processing solutions. The company establishes direct bank relationships and has array of partners to provide companies with payment solutions.

Company: MerchantScout 36 Founded: 2008 Headquarters: U.K.

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MerchantScout provides online credit card processing. The company offers payment solutions that can be customized to meet specific business needs. The company also offers MOTO processing, a solution for a high-traffic online gambling websites and pharmacies.

Company: MersaTech 36 Founded: 2011 Headquarters: U.S.A.

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MersaTech offers services to the merchant bankcard marketplace, including merchant accounts, payment processing, gift cards, loyalty card programs, ACH processing, credit card processing and processing equipment. The company also offers landline and wireless payment terminals.

Company: Mint Payments 28 Founded: 2007 Headquarters: Australia

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Payments ngagement Tye o Tye o Tye o erations Sotare Accetance Marketing Payment Secrity ardare Mgmt

Mint Payments is a Payment Gateway and mPOS provider. It enables organizations and businesses of all sizes to accept, process and manage payments online and through various mPOS, mobile and tablet devices. Mint Payments accepts credit cards, ACH, EMV payments and NFC contactless. Mint Payments offers security capabilities such as tokenization and PCI compliance.

Company: Moneris Solutions 62 Founded: 2000 Headquarters: Canada

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Moneris Solutions Corporation offers payment processing solutions for businesses. The company provides credit, debit, wireless and online payment services for merchants. It also offers electronic loyalty and stored- value gift card programs, payment terminal solutions and eCommerce solutions, such as online payments, security/fraud/risk tools, E-Business management tools, and shopping cart integrations.

Company: MultiSafepay 18 Founded: 1999 Headquarters: Netherlands

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MultiSafepay is a payment service provider enabling eCommerce merchants to accept online payments. The company’s solutions include online and mobile payments, mail-order telephone orders (MOTO) and subscription payments.

Company: National Bankcard 43 Founded: 2013 Headquarters: U.S.A.

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National Bankcard Services is an electronic payment provider that processes transactions by credit cards, debit cards, EBT and mobile wallets like Apple Pay. Supported technologies are EMV, NFC and magnetic strip. The platform provides its users with a loyalty reward program and a gift card program, as well as an online reporting service. It uses encryption to securely store merchant information.

Company: National Transaction 46 Founded: N/A Headquarters: N/A

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Payments ngagement Tye o Tye o Tye o erations Sotare Accetance Marketing Payment Secrity ardare Mgmt

National Transaction Corp. designs, develops, integrates, markets and maintains electronic payment systems for use in retail applications. The company processes digital transactions for business owners for eCommerce shopping carts, electronic check processing, gift and loyalty cards, debit and EBT cards, and merchant cash advances.

Company: Nationwide Merchant Solutions 49 Founded: N/A Headquarters: N/A

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Payments ngagement Tye o Tye o Tye o erations Sotare Accetance Marketing Payment Secrity ardare Mgmt

Nationwide Merchant Solutions, LLC, is a provider of credit and debit card processing solutions. The company provides business merchant services, including point-of-sale equipment, mobile payment equipment, credit card machines and working capital.

Company: NCR 59 Founded: 1984 Headquarters: U.S.A.

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Payments ngagement Tye o Tye o Tye o erations Sotare Accetance Marketing Payment Secrity ardare Mgmt

NCR Corporation is a payment SaaS solution provider, supporting payments that include credit and debit cards with EMV chips, mobile payments and e-wallets. The platform offers in-store, mobile and online payments, loyalty management, inventory management of an online catalog, and more. NCR is a PCI- compliant firm that uses P2P encryption and tokenization.

Company: Net Element 52 Founded: 2004 Headquarters: U.S.A.

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Net Element provides a PaaS framework. The company is a global technology-driven group specializing in mobile payments and value-added transactional services. Its solutions enable payments in the online and offline commerce and add value in the mobile commerce and alternative payments environments. Net Element offers security tools such as PCI compliance. It accepts all major credit cards, EMV chip cards and mobile wallets.

Company: NetPay 16 Founded in: 2004 Headquarters: U.K.

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NetPay offers real-time merchant services to global eCommerce businesses. The company provides credit card processing, eCheck (ACH) processing, fraud protection and virtual terminal processing for online merchants with accounts that are pre-integrated into its payment gateway.

Company: Newtek Business Services 33 Founded in: 1998 Headquarters: U.S.A.

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NewTek Business Services is a direct distributor to the small to medium-sized business market, operating in a number of industries such as lodging, restaurant, health care and ERP Integrated Solutions and processing payments. The company offers electronic payment processing for credit and debit cards, check conversion, and ACH solutions.

Company: Pay360 31 Founded in: 1998 Headquarters: U.K.

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Pay360 by Capita provides payments services for businesses with online, face-to-face and phone payment solutions. The company’s portfolio includes online and in-store point-of-sale (POS) solutions, fraud prevention, data reporting and payment collection services.

Company: PAYFORT 18 Founded in: 2013 Headquarters: United Arab Emirates

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Payments ngagement Tye o Tye o Tye o erations Sotare Accetance Marketing Payment Secrity ardare Mgmt

PAYFORT offers online payments solutions for buyers and sellers based in the Middle East. The company provides a portfolio of payment solutions catering to the specific needs of the region and tailored to local online buying habits and trends.

Company: Payline Data 60 Founded in: 2009 Headquarters: U.S.A.

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Payments ngagement Tye o Tye o Tye o erations Sotare Accetance Marketing Payment Secrity ardare Mgmt

Payline Data is a payment processor with small-to-medium business solutions. Payline accepts credit and debit card payments as well as EMV chip cards and all types of mobile payments that use NFC technology, such as Apple Pay. Some of Payline’s features include inventory management, multi-store management, loyalty capabilities and analytics. It also provides solutions for physical, online and mobile stores. Payline uses tokenization to store customer data and also provides a fraud prevention service.

Company: PAYMILL 18 Founded in: 2012 Headquarters: Germany

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PAYMILL GmbH provides online payments solutions in the European market, enabling users to offer credit card payments and PayPal through their digital stores.

Company: PAYONE 24 Founded in: 2003 Headquarters: Germany

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Payments ngagement Tye o Tye o Tye o erations Sotare Accetance Marketing Payment Secrity ardare Mgmt

Independent payment service provider PAYONE’s service portfolio includes acceptance and processing for national and international payment methods, plus all payment services.

Company: Payrexx 13 Founded in: 2014 Headquarters: Switzerland

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Payrexx AG develops and provides an online payment platform that enables business clients to sell products, collect donations and schedule events.

Company: Paysafe Group 77 Founded: 1996 Headquarters: Isle of Man

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Paysafe is a global payments business that provides digital payments and transaction-related solutions to businesses and consumers around the world. The company’s portfolio of solutions include cash, digital currency, all-in-one processing, multicurrency consumer wallets, international money transfer, order-ahead mobile apps and consumer credit solutions.

Company: Payscape 43 Founded: N/A Headquarters: U.S.A.

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Payscape provides small to mid-size business owners with financial technologies that allow them to accept payments, streamline their business and increase cash flow.

Company: Payscout 45 Founded in: 2008 Headquarters: U.S.A.

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Payscout provides credit card processing services for traditional retail and e-Commerce storefronts. It offers solutions that enable businesses to accept customer payments across various sales channels, virtual terminal solutions for online payment transactions, tokenization, online fraud management solutions for merchants and managed risk merchant processing solutions.

Company: PaySimple 49 Founded in: 2006 Headquarters: U.S.A.

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Payments ngagement Tye o Tye o Tye o erations Sotare Accetance Marketing Payment Secrity ardare Mgmt

PaySimple provides a software-as-a-solution-based online payment solution for small businesses that offers integrated invoicing and payment acceptance in one system. The company’s solutions include recurring billing, electronic invoicing, hosted online payments, telephone payments, ACH debits, credit card processing and e-check processing.

Company: PayStand 29 Founded in: 2013 Headquarters: U.S.A.

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PayStand offers payments as a service solutions, accepting eChecks, eCash and credit cards, for a flat monthly subscription. PayStand provides merchants with complete contact information as well as APIs to link CRM. PayStand turns an iPhone into a mobile POS with the card reader, and, as a PCI Level 1-certified payment processor, adheres to the latest security and fraud prevention standards.

Company: Paywire 37 Founded in: 1999 Headquarters: U.S.A.

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Paywire Incorporated is a technology company. The company’s solutions consist of cloud and mobile software that integrate with third party systems, custom systems, authentication systems, web sites, hardware, SAP systems and processors.

Company: Payxpert 17 Founded in: 2008 Headquarters: U.K.

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Payxpert is a global, multi-currency payment solution provider for merchants who conduct business online and over the phone, including eCommerce websites. It offers credit card processing, anti-fraud and data encryption solutions.

Company: Peach Payments 18 Founded in: 2012 Headquarters: South Africa

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Payments ngagement Tye o Tye o Tye o erations Sotare Accetance Marketing Payment Secrity ardare Mgmt

Peach Payments provides payment solutions to online and mobile businesses, helping merchants accept payments from consumers in Africa across different channels. These include online, on mobile sites and through Android and iOS apps.

Company: Pivotal Payments, LLC 37 Founded in: 2003 Headquarters: Canada

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Payments ngagement Tye o Tye o Tye o erations Sotare Accetance Marketing Payment Secrity ardare Mgmt

Pivotal Payments is a merchant services and global payment processing solutions provider. The company developed FlexPoint, an integrated payment processing platform which offers EMV certification and accepts Apple Pay, contactless payment cards and more. FlexPoint combines hardware, software and middleware and provides merchants with the industry’s most stringent security standards, PCI compliance and point-to- point encryption.

Company: Planet Payment 39 Founded in: 1999 Headquarters: U.S.A.

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Planet Payment delivers payment processing and multi-currency. The company offers a centrally hosted transaction platform, which manages the global connectivity and interaction between consumers, merchants, banks, and the payment networks.

Company: Point & Pay 39 Founded in: 1999 Headquarters: U.S.A.

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Payments ngagement Tye o Tye o Tye o erations Sotare Accetance Marketing Payment Secrity ardare Mgmt

Point & Pay provides payment processing solutions, including web payments, over-the-counter payments, API/gateway payments and integrated payment options, among others. It provides solutions for government, courts, clerks, law enforcement, utility companies, education, health care and insurance companies, rental properties, and software companies, as well as other payment needs.

Company: PPRO Group 11 Founded in: 2006 Headquarters: U.K.

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PPRO Group is a specialist in alternative payment methods including online-banking payments — cash- payments, direct debit, wallets, among others — that focuses on supporting PSPs globally to increase the number of payment methods they can offer to their merchants.

Company: Recurly 32 Founded in: 2009 Headquarters: U.S.A.

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Recurly uses an open platform approach to connect with a variety of back-office systems. The company offers lightweight and flexible custom integrations — and out-of-the-box integrations with enterprise solutions like Salesforce, NetSuit and Avalara — to provide efficiencies in E2E automation of billing events throughout the customer lifecycle.

Company: RedFynn 64 Founded in: 2007 Headquarters: U.S.A.

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RedFynn provides retailers with a cloud-based solution which offers payments processing and business intelligence. Its terminals accept all major credit cards, ACH payments such as eChecks, EMV chip cards and gift cards. RedFynn helps merchants to improve customer engagement with reward programs and CRM tools. The solution offers stock management, as well as analytics. RedFynn uses tokenization to store sensitive payment information off-site.

Company: SafeCharge 36 Founded in: 2006 Headquarters: Channel Islands

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Payments ngagement Tye o Tye o Tye o erations Sotare Accetance Marketing Payment Secrity ardare Mgmt

SafeCharge provides payments services, technologies and risk management solutions for global online and mobile businesses. Its portfolio of payments solutions includes cashier tools, an online checkout solution, mobile checkout, POS offerings and card acquiring.

Company: Sage Payment Solutions 39 Founded in: 1981 Headquarters: U.S.A.

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Payments ngagement Tye o Tye o Tye o erations Sotare Accetance Marketing Payment Secrity ardare Mgmt

Sage Payment Solutions, Inc., provides payment processing products and services to entrepreneurs and small, mid-sized and larger businesses. Its solutions include debit and credit card processing, electronic check processing, ACH processing, mobile solutions, merchant cash advance and bank loans, gift and loyalty programs, and payment integration services.

Company: SecurePay 23 Founded in: 1999 Headquarters: Australia

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Payments ngagement Tye o Tye o Tye o erations Sotare Accetance Marketing Payment Secrity ardare Mgmt

SecurePay Pty Ltd. develops and offers payment gateway solutions to customers in Australia. The company offers eCommerce modules for shopping carts and payment products for websites, among other services.

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Company: Secure Trading 18 Founded in: 1997 Headquarters: London

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Payments ngagement Tye o Tye o Tye o erations Sotare Accetance Marketing Payment Secrity ardare Mgmt

Secure Trading is a payment service provider that works to help individuals, small businesses, corporations, online gambling agencies and global eCommerce merchants send and receive online payments. Its services include fraud and identity theft protection for online consumers.

Company: Shift4 Corporation 35 Founded in: 1994 Headquarters: U.S.A.

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Payments ngagement Tye o Tye o Tye o erations Sotare Accetance Marketing Payment Secrity ardare Mgmt

Shift4 Corporation is a payment getaway solutions developer. Its payment solution offers physical POS integration and accepts credit, US and Canadian PIN debit, gift cards, signature capture, check verification, and EMV. Shift4 offers security capabilities such as fraud control tools, tokenized and simplified PCI- compliance. The solution also provides comprehensive accounting and reporting features allowing merchants to search, filter, and create custom reports.

Company: SIX Payment Services 25 Founded in: 2008 Headquarters: Switzerland

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Payments ngagement Tye o Tye o Tye o erations Sotare Accetance Marketing Payment Secrity ardare Mgmt

SIX Payment Services offers card-based electronic payment transaction products and services for trading partners and card processors and distributors. It offers payment and card processing terminals, charge and chip cards, and ATMs. The company also provides authorization, booking entries, card processing with interfaces, blocking and credit transaction, as well as issuing, network and acquiring processing solutions.

Company: Smart2Pay 15 Founded in: 2002 Headquarters: Netherlands

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Payments ngagement Tye o Tye o Tye o erations Sotare Accetance Marketing Payment Secrity ardare Mgmt

Smart2Pay is a licensed payment service provider offering card processing and alternative, non-reversible online payment methods, including online bank transfers, wallets, vouchers, mobile payments and local cards. The company’s GlobalPay payment product enables merchants to collect funds from customers locally in over 80 countries.

Company: Specialized Processing Solutions 17 Founded in: 1992 Headquarters: U.S.A.

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Payments ngagement Tye o Tye o Tye o erations Sotare Accetance Marketing Payment Secrity ardare Mgmt

Specialized Processing Solutions (SPS) offers clients global credit and debit card processing solutions as well as all ACH, EBT and other payment processing services. The SPS Platform’s services include credit card authorization, clearing and settlement for payment cards, smartphone and tablet POS processing and electronic check conversion, among other solutions.

Company: Square 54 Founded in: 2009 Headquarters: U.S.A.

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Payments ngagement Tye o Tye o Tye o erations Sotare Accetance Marketing Payment Secrity ardare Mgmt

Square’s register service is a point of sale that allows merchants to accept credit cards and track inventory. It also provides financial and marketing services, including small business financing and customer engagement tools. With Square, merchants can monitor sales and create sales reports. It also provides merchants with analytics and feedback. Square Register works on a smartphone or a tablet, and upgrades automatically. It currently has no security and fraud features.

Company: Total Merchant Services 55 Founded in: 1996 Headquarters: U.S.A.

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Payments ngagement Tye o Tye o Tye o erations Sotare Accetance Marketing Payment Secrity ardare Mgmt

Total Merchant Services is a credit card merchant account acquirer that enables businesses to accept all major credit cards, debit cards, checks and EBT. For marketing functionalities, it has a loyalty card program as well as a gift card program. Total Merchant Services integrates multi-application credit card readers and processing terminals, which transmits from a retail terminal, to wireless and mobile. In addition to the physical credit card terminals, Total Merchant Services offers a virtual terminal to run transactions online and an eCommerce solution to connect a user’s website to a variety of shopping carts. For security, the platform is PCI compliant and identifies suspicious transactions with built-in fraud tools.

Company: Transaction Network Services 17 Founded in: 1990 Headquarters: U.S.A.

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Payments ngagement Tye o Tye o Tye o erations Sotare Accetance Marketing Payment Secrity ardare Mgmt

Transaction Network Services provides payment gateway services to help global partners enhance their offerings and address the payment acceptance needs of leading international merchants. Its Secure Payments Network solution is designed to deliver payment transaction information to banks, merchants, processors and other payment institutions.

Company: TransFirst 48 Founded in: 1995 Headquarters: U.S.A.

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Payments ngagement Tye o Tye o Tye o erations Sotare Accetance Marketing Payment Secrity ardare Mgmt

TransFirst is a payment transaction processing services and payment enabling technologies provider. The company offers online payment services, a mobile payment processing solution, wireless and telephone payment processing solutions, a virtual terminal electronic payment systems and payment processing equipment. It also provides gift card processing services, a web-based reporting engine that helps its merchants manage their credit card business and merchant training and support services, and merchant loyalty programs.

Company: Transparent Merchant Services 32 Founded in: 2008 Headquarters: U.S.A.

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Payments ngagement Tye o Tye o Tye o erations Sotare Accetance Marketing Payment Secrity ardare Mgmt

Transparent Merchant Services offers credit and debit card payment acceptance through in-person or card-present channels and limited card-not-present channels. The company also offers next-day deposits of funds, eliminating long waiting periods to access cash from credit and debit transactions.

Company: TrustPay 22 Founded in: 2009 Headquarters: Slovakia

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Payments ngagement Tye o Tye o Tye o erations Sotare Accetance Marketing Payment Secrity ardare Mgmt

TrustPay’s main services include global card payment processing and instant bank transfers from more than 37 banks in Europe.

Company: TSYS Merchant Solutions 56 Founded in: N/A Headquarters: N/A

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Payments ngagement Tye o Tye o Tye o erations Sotare Accetance Marketing Payment Secrity ardare Mgmt

TSYS Merchant Solutions is a payment acceptance solutions provider that offers services that range from regular credit card processing to new technologies such as contactless payments and EMV. Its merchant solution includes marketing features such as the option for users to establish a reward and gift card program, and it also integrates with an online dashboard that allows users to monitor reviews in social media. For its operations solutions, the tablet POS and the ShopKeep POS offer different functionalities such as inventory management and customer sales tracking. It also has multiple solutions for online payment processing. To protect customers, the platform uses encryption and tokenization and is also PCI compliant.

Company: U.S. Merchant Systems, Inc. 37 Founded in: 1992 Headquarters: U.S.A.

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Payments ngagement Tye o Tye o Tye o erations Sotare Accetance Marketing Payment Secrity ardare Mgmt

U.S. Merchant Systems, Inc., provides merchant account and credit card processing services to merchants and agents. It offers merchant accounts for major credit cards, along with debit card processing, government electronic benefits transactions, gift/loyalty cards, consumer financing, accounting/payroll services, terminals and point-of-sale systems, among other solutions.

Company: USA Technologies 33 Founded in: 1992 Headquarters: U.S.A.

12 07 06 05 0 01 02

Payments ngagement Tye o Tye o Tye o erations Sotare Accetance Marketing Payment Secrity ardare Mgmt

USA Technologies, Inc., is a payment technology service provider of integrated cashless and mobile transactions for the self-service retail market. The company also provides a broad line of cashless acceptance technologies.

Company: Vantiv 35 Founded: 1971 Headquarters: U.S.A.

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Payments ngagement Tye o Tye o Tye o erations Sotare Accetance Marketing Payment Secrity ardare Mgmt

Vantiv’s integrated payment processing solution, formerly known as Mercury Pay, is a POS platform that supports the most common payment types like credit, debit, check, EBT and gift cards, as well as EMV chip cards. The platform is a cloud-based delivery model for customer acquisition and retention. Features include protecting card data with PCI-DSS requirements. The solution also provides reporting analytics.

Company: Verifone 74 Founded in: 1981 Headquarters: U.S.A.

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Payments ngagement Tye o Tye o Tye o erations Sotare Accetance Marketing Payment Secrity ardare Mgmt

Verifone is a payment and commerce solutions provider, which offers a PaaS solution that combines hardware, software and services into a flexible managed services suite. The solution has a cost-predictable subscription model that allows merchants to accept chip cards (EMV) and NFC/wallets with loyalty and rewards transactions. It also has an omnichannel general integration, which provides analytics and reporting. The platform uses E2EE/tokenization, data encryption and is PCI compliant.

Company: Wirecard 57 Founded in: 1999 Headquarters: Germany

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Payments ngagement Tye o Tye o Tye o erations Sotare Accetance Marketing Payment Secrity ardare Mgmt

Wirecard AG is a Germany-based provider of electronic payment and risk management applications with focus on the development and provision of technologies and services for payment transactions. It offers POS terminal infrastructure integrated risk and fraud management systems. Its multi-channel payment gateway feature connects to 200 international payment networks and offers payment and acquiring acceptance through Wirecard Bank and its financial partners.

Company: Wordline 31 Founded in: 2004 Headquarters: France

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Payments ngagement Tye o Tye o Tye o erations Sotare Accetance Marketing Payment Secrity ardare Mgmt

Worldline SA, formerly Atos Worldline SAS, is a France-based company providing payment and transaction services. The company creates and operates digital platforms that handle all transactions between companies, their partners and customers. Its payment platform, Sips, allows e-merchants to accept all payment types and payment collection methods, such as installments, on-click payments, deferred and recurring.

Company: WorldPay 26 Founded in: 1989 Headquarters: U.K.

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Payments ngagement Tye o Tye o Tye o erations Sotare Accetance Marketing Payment Secrity ardare Mgmt

WorldPay provides debit card and credit card payment processing services, and offers card payment services via chip and PIN machines, mail and telephone orders, and online payments from SMBs. The company also provides countertop, mobile, and portable card machines, and installs and replaces card machines.

PYMNTS Payments as a Service Tracker™ The PYMNTS.com Payments as a Service Tracker™ is a monthly report designed to give an overview of the trends and activities of merchant platforms that not only enable payment processing of new and old technologies, but also integrates with other features that make the merchant’s experience easier. These include customer engagement, security, omnichannel retail experience, analytics, inventory management, software and hardware management and more.

The Tracker also includes the latest news and highlights about key players in the PaaS space, as well as a directory describing key providers, their capabilities and a scoring for each firm.

Scoring We evaluate companies based on the types of payments they accept, customer engagement platforms they offer, POS available, security measures, operation features and their hardware and software management capabilities.

Companies included in the analysis support the Consumer authentication and security features following types of payments: include: • Mobile wallets • PCI (Apple Pay, Android Pay, PayPal, Samsung Pay) • Tokenization • Gift cards • Fraud management and analytics • Standard open loop cards (Visa, Mastercard) • Closed loop/private label Firms’ operations capabilities include: (American Express, Discover) • Catalogue • ACH/direct debit • Inventory management • EMV chip cards • Dynamic Pricing • Analytics The customer engagement capabilities that these companies offer include: Software management platform was evaluated based • Loyalty/rewards programs on the type of software: • Coupons • Cloud architecture • Beacons • Local/client/terminal • CRM • Others • Social media integration

The types of POS services they offer include: Scores for the hardware management • Online ordering category were based on whether the • Omnichannel companies offered a device management • Physical POS integration service.

Feedback If you would like a company to be considered for inclusion in the Payments as a Service Tracker™ provider directory or wish to have an existing listing updated, please visit our Scorecard submission/update page. Or, if you have feedback or questions, please contact us at [email protected].

Paysafe provides digital payments and transaction-related solutions to businesses and consumers around the world. Paysafe is redefining payments by enabling fast, convenient and secure ways to pay before, pay now and pay later through its payment processing, digital wallets, prepaid solutions and card issuing, and acquiring products and services. We believe that every point of every payment should be relevant, simple and secure. With two decades of experience, Paysafe is trusted by businesses and consumers to move and manage money through more than 100 payment types and 40 currencies. Paysafe offers multi-platform products with an emphasis on emerging payment technologies including mobile. Paysafe’s brand portfolio includes NETELLER® and Skrill®, MeritCard, paysafecard®, payolution®, Income Access and FANS Entertainment. Paysafe Group plc shares trade on the London Stock Exchange under the symbol (PAYS.L). For more information, visit: www.paysafe.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.

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