Payment Gateway Software : Summer 2020
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United States House of Representatives Financial Services Committee
United States House of Representatives Financial Services Committee Task Force on Financial Technology Is Cash Still King? Reviewing the Rise of Mobile Payments Testimony of Christina Tetreault Senior Policy Counsel Consumer Reports January 30, 2020 1 Introduction Chairman Lynch and Ranking Member Emmer and Members of the Financial Technology Task Force, thank you for the invitation to appear today. I am Christina Tetreault, senior policy counsel on Consumer Reports’ financial services policy team. Consumer Reports is an expert, independent, non-profit organization whose mission is to work for a fair, just, and safe marketplace for all consumers and to empower consumers to protect themselves. Consumers Reports works for pro-consumer policies in the areas of financial services and marketplace practices, antitrust and competition policy, privacy and data security, food and product safety, telecommunications and technology, travel, and other consumer issues in Washington, DC, in the states, and in the marketplace. Consumer Reports is the world’s largest independent product-testing organization, using its dozens of labs, auto test center, and survey research department to rate thousands of products and services annually. Founded in 1936, Consumer Reports has over 6 million members and publishes its magazine, website, and other publications. Consumer Reports (CR) has a long history of working to improve payments protections for consumers. In 2008, the then-leader of CR’s financial services policy team, Gail Hillebrand, published a comprehensive -
List of Merchants 4
Merchant Name Date Registered Merchant Name Date Registered Merchant Name Date Registered 9001575*ARUBA SPA 05/02/2018 9013807*HBC SRL 05/02/2018 9017439*FRATELLI CARLI SO 05/02/2018 9001605*AGENZIA LAMPO SRL 05/02/2018 9013943*CASA EDITRICE LIB 05/02/2018 9017440*FRATELLI CARLI SO 05/02/2018 9003338*ARUBA SPA 05/02/2018 9014076*MAILUP SPA 05/02/2018 9017441*FRATELLI CARLI SO 05/02/2018 9003369*ARUBA SPA 05/02/2018 9014276*CCS ITALIA ONLUS 05/02/2018 9017442*FRATELLI CARLI SO 05/02/2018 9003946*GIUNTI EDITORE SP 05/02/2018 9014368*EDITORIALE IL FAT 05/02/2018 9017574*PULCRANET SRL 05/02/2018 9004061*FREDDY SPA 05/02/2018 9014569*SAVE THE CHILDREN 05/02/2018 9017575*PULCRANET SRL 05/02/2018 9004904*ARUBA SPA 05/02/2018 9014616*OXFAM ITALIA 05/02/2018 9017576*PULCRANET SRL 05/02/2018 9004949*ELEMEDIA SPA 05/02/2018 9014762*AMNESTY INTERNATI 05/02/2018 9017577*PULCRANET SRL 05/02/2018 9004972*ARUBA SPA 05/02/2018 9014949*LIS FINANZIARIA S 05/02/2018 9017578*PULCRANET SRL 05/02/2018 9005242*INTERSOS ASSOCIAZ 05/02/2018 9015096*FRATELLI CARLI SO 05/02/2018 9017676*PIERONI ROBERTO 05/02/2018 9005281*MESSAGENET SPA 05/02/2018 9015228*MEDIA SHOPPING SP 05/02/2018 9017907*ESITE SOCIETA A R 05/02/2018 9005607*EASY NOLO SPA 05/02/2018 9015229*SILVIO BARELLO 05/02/2018 9017955*LAV LEGA ANTIVIVI 05/02/2018 9006680*PERIODICI SAN PAO 05/02/2018 9015245*ASSURANT SERVICES 05/02/2018 9018029*MEDIA ON SRL 05/02/2018 9007043*INTERNET BOOKSHOP 05/02/2018 9015286*S.O.F.I.A. -
Adyen Payment Marketplace Add-On V5.0.0
Adyen Payment Marketplace Add-On V5.0.0 Adyen Payment Marketplace Add-On will enable the customer to pay online through the Adyen payment gateway. The admin can configure the method so that it can be visible at the time off checkout. Adyen is a European payment gateway which will aim to grow the business through globalization. It offers the merchants to accept electronic payments by various payment methods like credit cards, bank payments such as debit cards, bank transfer. It gives in-depth data insights. Adyen offers integrations that handle most of the PCI DSS requirements. It is solely responsible for the security of cardholder data only as soon as Adyen receives the data through the relevant payment interface With Adyen, as soon as the payment is made by a customer it gets split and the admin will pay the amount to the seller through a payout request acceptance. The admin can even refund the amount through the module if the buyer requests a refund by any means. Note – This module is an add-on for Marketplace Module. To use this module, you first have to install the Multi Vendor Marketplace. Feature List Accept credit cards that Adyen supports. Used Adyen client-side encryption for payment processing. The admin can enable or disable the module on the front-end. All the payment is first authorized then captured later when an invoice is created either by admin or seller. It supports split payment between the sellers and the admin. Once capturing payment and the order complete seller can request for payout. -
Die Zukunft Des (Mobilen) Zahlungsverkehrs 5
Aktuelle Themen Globale Finanzmärkte Die Zukunft des (mobilen) Zahlungsverkehrs 5. Februar 2013 Banken im Wettbewerb mit neuen Internet-Dienstleistern Autoren Seit geraumer Zeit gerät die Finanzbranche immer stärker unter Druck: Thomas F. Dapp Die rasante Entwicklung webbasierter Technologien stellt die klassischen Ban- +49 69 910-31752 [email protected] ken insbesondere in den Bereichen Einlagen und Zahlungsverkehr vor große Herausforderungen. Gleichzeitig sorgen schärfere regulatorische Auflagen und Antje Stobbe steigender Kostendruck dafür, dass viele Banken an Innovationskraft verlieren. +49 69 910-31847 [email protected] Der Markt für digitale (mobile) Bezahlsysteme steckt noch in den Kinder- schuhen. Selbst Unternehmen in den USA, die neben Japan Vorreiter sind, Patricia Wruuck +49 69 910-31832 arbeiten erst seit ein bis zwei Jahren an relevanten Geschäftsmodellen. [email protected] Viel Aufmerksamkeit richtet sich derzeit auf die Strategien neuer Wettbewerber Weitere Beiträge: wie Google, Apple, PayPal oder Amazon. Die Netzgiganten strecken verstärkt Bryan Keane ihre Fühler in Branchen außerhalb ihres bisherigen Kerngeschäfts aus, z.B. in Jason Napier den Markt für (mobile) Bezahlsysteme. Ashish Sabadra Yoshinobu Yamada Die Banken sind gut beraten, die großen Internetunternehmen, die Kreditkarten- sowie die Telekommunikationsunternehmen im Auge zu behalten. Vier in dieser Editor Studie erarbeitete Szenarien zeigen mögliche Entwicklungen im Bereich digitaler Bernhard Speyer (mobiler) Finanzdienstleistungen in den nächsten 3-5 Jahren: Das „Early-Bird“- Deutsche Bank AG Szenario ist gekennzeichnet durch eine hohe Akzeptanz digitaler Bezahlsyste- DB Research me, ein aktives Vorgehen der Banken und einen moderaten Verdrängungswett- Frankfurt am Main bewerb. Gelingt es den Banken jedoch nicht, adäquate webbasierte, mobile Fi- Deutschland E-Mail: [email protected] nanzdienste anzubieten, drohen Verluste bei den Marktanteilen („Nachzügler“- Fax: +49 69 910-31877 Szenario). -
A GUIDE to ELECTION YEAR ACTIVITIES of SECTION 501(C)(3) ORGANIZATIONS
A GUIDE TO ELECTION YEAR ACTIVITIES OF SECTION 501(c)(3) ORGANIZATIONS BY STEVEN H. SHOLK, ESQ. STEVEN H. SHOLK, ESQ. GIBBONS P.C. ONE GATEWAY CENTER NEWARK, NEW JERSEY 07102-5310 (973) 596-4639 [email protected] ONE PENNSYLVANIA PLAZA 37th FLOOR NEW YORK, NEW YORK 10119-3701 (212) 613-2000 Copyright Steven H. Sholk 2016 All Rights Reserved 776148.37 999999-00262 TABLE OF CONTENTS Page STATUTORY PROVISIONS ON CONTRIBUTIONS, EXPENDITURES, AND ELECTIONEERING ......................................................................................................... 1 STATUTORY AND REGULATORY PROVISIONS ON CONTRIBUTIONS TO AND FUNDRAISING FOR SECTION 501(c)(3) ORGANIZATIONS ................................ 159 REGULATORY PROVISIONS ON CONTRIBUTIONS, EXPENDITURES, AND ELECTIONEERING ..................................................................................................... 191 VOTER REGISTRATION AND GET-OUT-THE-VOTE DRIVES........................................ 315 VOTER GUIDES....................................................................................................................... 326 CANDIDATE APPEARANCES AND ADVERTISEMENTS ................................................ 339 CANDIDATE DEBATES ......................................................................................................... 352 CANDIDATE USE OF FACILITIES AND OTHER ASSETS ................................................ 355 WEBSITE ACTIVITIES .......................................................................................................... -
Global Payments 2020-30 a Quantium Shift in the Next Decade Australia's Challenge
McLean Roche Consulting Group Global Payments 2020-30 A quantium shift in the next decade Australia’s challenge – to keep up 1 Submission To RBA Payments Boards – Future of Payments – January 2020 McLean Roche Consulting Group AUSTRALIA’S PAYMENT CHALLENGE Australian payments will see more change in the next 10 years than the last 40 years combined. Australia has an expensive US/Anglo legacy based retail payments system which will be challenge by new technology, new data uses, new players and the need to protect consumer rights and data. Consumer retail payments total $975.7 billion in 2019 and will reach $3.2 trillion by 2030. A faster rate of expansion will occur in SME and Corporate payments. Payments are a very high volume, low margin business with even the smallest changes in revenues or margins delivering significant changes in actual dollars. Regulators around the globe will be challenged by forces of change and this requires all regulators and politicians to be aware of the scale of change and ensure the regulatory frame work changes and evolves quickly. 4 MYTHS DOMINATE THE NARRATIVE 1. CASH WILL DISAPPEAR – many including regulators keep predicting the death of cash. While bank notes may disappear, various forms of cash now dominate retail payments in Australia combining to total 71% share. 2. CREDIT CARDS DOMINATE LENDING – consumer credit cards are in decline having peaked 8 years ago. All the leading indicators are falling – average balance, average spend, revolve rate and number of cards. Corporate and Commercial cards are the only growth story. 3. DIGITAL PAYMENTS ARE THE FUTURE – many payment products use the ‘digital’ tag for marketing ‘glint’ however the reality is all payment products using Visa, MasterCard, Amex or eftpos payment networks are not digital. -
Payments / Banking
Financial Technology Sector Summary June 24, 2015 Financial Technology Sector Summary Table of Contents I. GCA Savvian Overview II. Market Summary III. Payments / Banking IV. Securities / Capital Markets / Data & Analytics V. Healthcare / Insurance I. GCA Savvian Overview GCA Savvian Overview Highlights Firm Statistics GCA Savvian Focus . Over 225 professionals today Mergers & Acquisitions Private Capital Markets . Full spectrum of buy-side, sell- Agented private capital raiser Headquarters in San Francisco and Tokyo; offices in New side and strategic advisory York, London, Shanghai, Mumbai, Singapore, and Osaka . Equity and debt capital markets . Public and private company advisory services experience . Provides mergers and acquisitions advisory services, private . Core competency, with important capital & capital markets advisory services, and principal . Strategic early-stage growth relationships among the venture investing companies through industry capital and private equity defining, multi-billion dollar community transactions . Over 550 transactions completed . Publicly traded on the Tokyo Stock Exchange (2174) Senior level attention and focus, Relationships and market extensive transaction intelligence; a highly experienced team in experience and deep domain insight the industry Global Advisory Firm Market Positioning Bulge Bracket Growth Sector Focus Transaction Expertise . Senior Team with . Growth Company Focus Unparalleled Transaction . Sector Expertise / Domain Experience Knowledge . Highest Quality Client . Private Capital -
Financial Institutions COMM 3203 Dalhousie University Maria Pacurar
1. Financial Institutions COMM 3203 Dalhousie University Maria Pacurar COMM 3203 Winter 2019 Dalhousie University Financial Institutions COMM 3203 Dalhousie University COMM 3203 Winter 2019 Maria Pacurar Dalhousie University Table of Contents Sovereign Wealth Funds: Barbarians at the Gate or White Knights of Globalization?.....................5 Standard Chartered Bank: Valuation and Capital Structure...........................................................29 Cutting through the Fog: Finding a Future with Fintech..................................................................41 2. 9-712-022 O C T O B E R 4 , 2 0 1 1 ALD O MUSACCHIO EMIL STAYKOV Sovereign Wealth Funds: Barbarians at the Gate or White Knights of Globalization? Sovereign wealth funds are not a big bad wolf at the door. They have injected liquidity and helped stabilize financial markets. They can offer reliable long-term investments our companies need. — Jose Barroso, President of the European Commission1 I’d like nothing more than to get more of that money. — Henry Paulson, U.S. Treasury Secretary2 What about the day when a country joins some “coalition of the willing” and asks the US president to support a tax break for a company in which it has invested? Or when a decision has to be made about whether to bail out a company, much of whose debt is held by an ally’s central bank?” — Lawrence Summers, Director of the US National Economic Council3 While foreign governments may invest money in our country to make a profit, they may also do so in order to further their foreign policy ambitions, to acquire national security assets or to purchase a stake in strategic industries,” Use outside these parameters is a copyright violation. -
Receive Paypal Payment Without Bank Account
Receive Paypal Payment Without Bank Account Planted Johann usually clunks some tempering or franchising unrightfully. Shortened Franklin diphthongise abiogenetically. Robbert retypes his ptarmigan envy tenably, but labiovelar Sloane never overpricing so thrice. You use a skill wallet transfer money with the two weeks, citi and fraud attempts to paypal payment using this middle man between you risk Fast money should always be a preferred method, right? Regardless of your reasons, you can still send and receive funds as well as pay your bills without having a bank account through the following techniques. How much house can you afford? Thank you for this article! We value your trust. Skrill was created with cryptocurrencies in mind, like Bitcoin, Ether, and Litecoin. He writes about cybersecurity, privacy, and the impact of technology on the daily lives of consumers. Hi, thank you for great information. Auction Essistance that stealth is alternative to get back on? No transaction fees if you have Shopify Payments enabled. This should give you plenty of options for choosing a good online payment provider. Do this paypal payment without bank account. Your payment withdrawal method does NOT need to be a bank account. Paypal, and guess what, there ARE. You can also easily pay via text message on your mobile phone. Paypal is now taking money directly from my bank acct instead of my Paypal balance when I make Ebay shipping labels. Yes you can withdraw it even if you have a different name on the account. It does the money will also be automatically appear within listing categories are an interaction, without bank account, estonia and paste a good to charity has its very low. -
Annual Report 2017
IDEAS LEADERSHIP ACTION OUR MISSION 2 Letter from Dan Porterfield, President and CEO WHAT WE DO 6 Policy Programs 16 Leadership Initiatives 20 Public Programs 26 Youth & Engagement Programs 30 Seminars 34 International Partnerships 38 Media Resources THE YEAR IN REVIEW 40 2017-2018 Selected Highlights of the Institute's Work 42 Live on the Aspen Stage INSTITUTIONAL ADVANCEMENT 46 Capital Campaigns 48 The Paepcke Society 48 The Heritage Society 50 Society of Fellows 51 Wye Fellows 52 Justice Circle and Arts Circle 55 Philanthropic Partners 56 Supporters STATEMENT OF FINANCIAL POSITION 90 2017 Annual Report WHO WE ARE 96 Our Locations 98 Aspen Institute Leadership 104 Board of Trustees LETTER FROM DAN PORTERFIELD, PRESIDENT AND CEO A LETTER FROM PRESIDENT AND CEO DAN PORTERFIELD There is nothing quite like the Aspen Institute. It is In the years to come, the Aspen Institute will deepen an extraordinary—and unique—American institution. our impacts. It is crucial that we enhance the devel- We work between fields and across divides as a opment of the young, address the urgent challenges non-profit force for good whose mission is to con- of the future, and renew the ideals of democratic so- vene change-makers of every type, established and ciety. I look forward to working closely with our many emerging, to frame and then solve society’s most partners and friends as we write the next chapter on important problems. We lead on almost every issue the Institute’s scope and leadership for America and with a tool kit stocked for solution-building—always the world. -
Are Moving Movers Toward Professionalism
MARCH 2019 How Disbursements Are Moving Movers Toward Professionalism Phlatbed CEO Alani Kuye explains how faster disbursements are reshaping the on-demand economy powered by – Page 6 (Feature Story) Two out of five payments made with Osko over Australia’s NPP occurred after banking hours – Page 10 (News and Trends) Government agencies are using disbursement tools to help communities recover after natural disasters – Page 15 (Deep Dive) ™ Disbursements Tracker Table of Contents WHAT’S INSIDE New disbursements tools and faster payments capabilities are changing how consumers and 03 enterprises conduct business FEATURE STORY 06 Phlatbed CEO Alani Kuye explains how disbursement solutions empower gig workers in the on-demand moving business NEWS AND TRENDS 10 The latest global trends surrounding disbursements and real-time payments platforms DEEP DIVE Natural disasters often cause billions of dollars in property damage, but government agencies can use disbursement 15 solutions to help affected residents begin their recovery efforts faster PROVIDER DIRECTORY The top disbursements market companies based on the services they provide, including networks, 21 enabling platforms and point solutions ABOUT 111 Information about PYMNTS.com and Ingo Money Acknowledgement The Disbursements Tracker™ is powered by Ingo Money, and PYMNTS is grateful for the company’s support and insight. PYMNTS.com retains full editorial control over the findings presented, as well as the methodology and data analysis. © 2019 PYMNTS.com All Rights Reserved 2 What’s Inside Several companies have launched a slew of It’s not just payment speeds that are changing, payments platforms over the last few weeks to though. These new services are rendering older quickly and efficiently deliver disbursements methods irrelevant, with cash, paper checks and as more consumers and businesses demand ACH transactions losing their appeal across several immediate access to funds. -
THE EFFECT of MONEY TRANSMISSION REGULATION on PAYMENTS INNOVATION Benjamin Lo*
FATAL FRAGMENTS: THE EFFECT OF MONEY TRANSMISSION REGULATION ON PAYMENTS INNOVATION Benjamin Lo* 18 YALE J.L. & TECH. 111 (2016) ABSTRACT A revolution in payments technology is taking place, as entrepreneurs develop new and innovative ways to send, receive, and store money. However, payment startups are running headlong into a thicket of federal and state money transmitter regulations, which impose costly registration and reporting requirements to prevent money laundering and protect consumers. The regulatory burden is particularly heavy at the state level, since each state defines “money transmission” differently. Payments startups must deal with highly fragmented regulation across states early in their lives, resulting in large and often redundant compliance costs while offering comparatively less marginal benefit to consumers. However, this does not mean that state money transmitter laws should be forsaken or preempted. Instead, the laws should be harmonized and streamlined to make multi-state compliance easier for payments startups, while providing adequate consumer protection and rigorous financial oversight. This Article examines the above issues by focusing on the fragmented landscape of state money transmitter regulation. It further analyzes the costs and benefits of such regulation on startups and consumers, and proposes several modifications to multi- state regulation that could improve the tradeoff between regulatory cost and innovation benefits. TABLE OF CONTENTS TABLE OF CONTENTS ................................................................ 111 I. INTRODUCTION .................................................................. 112 * Yale Law School, J.D. candidate 2017. Many thanks to Professor Jonathan Macey for his comments on early drafts; Amanda Weingarten for her incisive editing; Russell Reese, Deborah Loomis, and Brenna McGee of the Texas Department of Banking for providing an invaluable view from the regulators’ perch; and Erin Fonte and Chris Daniels for sharing a practitioner’s perspective on money transmitter matters faced by startups.