Payments As a Service Tracker™ MARCH 2018

Payments as a Service Tracker™ MARCH 2018

Flour, Butter, Mobile: Payments Tech As A Key Bakery Ingredient

Tanya Li on Flour Bakery + Cafe’s The Co-op launches in-aisle Check out the top providers in loyalty and payments approach grocery payment app the PaaS space

– Page 6 (Feature Story) – Page 10 (News and Trends) – Page 16 (Scorecard) Table of Contents

PAGE What’s Inside The latest developments in payments platforms, including Google and 03 Amazon’s moves in the space

PAGE Feature Story Tanya Li, assistant director of operations for Flour Bakery + Cafe, on choosing 06 the right partners to provide customers with friendly and fast payments

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

PAGE Methodology | Top Ten Providers Best of the bunch 14 Who’s on top and how they got there

PAGE Scorecard The results are in 16 See the top PaaS providers

PAGE About 77 Information on PYMNTS.com

he payments space is seeing new competition as other interested parties with an Amazon financial Ttech giants look to enter and claim some of the product similar to a checking account. action. These tech giants aren’t alone in their bids to Google has been working to push its Google increase their involvements in payments, however. Pay payments solution and expand uptake. In a Recent headlines track a number of players looking recent PYMNTS interview, Pali Bhat, Google’s vice to expand their roles in the space. president of project management for payments, explained that expanding its use rests on the ability Around the Payments as a Service world to quickly onboard customers by giving them the Russian telecom giant MegaFon is one player option to sign up using any pre-existing Google seeking to move into payments. The company has account. The company is also working to expand partnered with Mastercard to enable subscribers the offering to more merchants and to boost it with to purchase goods through their mobile phones. a new app. With this functionality, customers link their mobile Meanwhile, Amazon could reportedly carve a accounts to Apple Pay or Samsung Pay via virtual chunk out of credit card issuers, intermediaries and Mastercard cards. payment networks’ business. The eCommerce giant Meanwhile, a U.K.-based grocery retailer is also is in early discussions with financial institutions (FIs) helping customers pay by phone. The Co-op to provide unbanked customers, millennials and launched a mobile purchasing app for grocery

shoppers after noticing a decline in in-store cash staff from answering phone orders and enable transactions. The solution enables them to scan quicker — and thus more — customer ordering. goods and complete their checkout from anywhere in the store. In this month’s PaaS Tracker feature story (p. 6), Tanya Li, Flour’s assistant director of operations, Across the ocean, Memphis-based utilities company explains the seven-store business’ approach to Memphis Light, Gas and Water is offering residents selecting the right point of sale (POS) software — a new PrePay flexible pay-as-you-go account service and how the company rolled out a successful mobile to help them better control their utility expenses. order-ahead app and digital loyalty program. Customers preload money into a refillable account from which charges are deducted based on usage. “The online ordering has allowed us to help more The solution allows residents to pay in smaller people during lunch, to take on more orders, where installments instead of receiving a large utility bill at before we were pretty thoroughly limited by being the end of the month. only able to take phone orders,” Li said.

Cafe sweetens the payments experience PaaS March Tracker updates Mobile order-ahead, digital loyalty programs and The March edition of the Payments as a Service other mobile-friendly payment approaches aren’t Tracker profiles more than 115 providers and their just for café super giants like Starbucks and Dunkin’ contributions to the ever-growing payments market. — smaller operations have embraced digital tools, This issue features four new additions: Datatrans, too. Mobile ordering even became a necessity for Instabill, ONPEX and Payment Bills Service. Flour Bakery + Cafe, allowing the company to free

Number of large utility sector billers onboarded 68 on the Reserve Bank of India’s one-stop Bharat Bill Payment System

Percentage of U.K. diners who said 36% waiting for the bill was the worst part about dining in a restaurant

Share of worldwide smartphone FIVE 1/3 users predicted to use mobile FAST FACTS POS payments during 2018 PLATFORM SECURITY

Percentage of Chinese tourists 93% who said they would use mobile payments abroad if given the option

Portion of consumers who would abandon a 39% transaction rather than try another card if their chosen payment method was declined

- Tanya Li, assistant director of operations for Flour Bakery + Cafe

Today, the average passerby on the street is likely the software that could best support both its to be holding a mobile phone, a coffee cup or both. business model and its vision.

Cafés are taking note of how consumers For Flour, the “right solution” has changed over increasingly live on mobile devices, and are turning time. The company made a switch in how it handled to mobile ordering, payments and digital loyalty its payments in the summer of 2016, abandoning programs to keep up with their online-savvy the restaurant POS software it had used for several customers’ demands. Though big-name coffee and years and choosing an offering from a different bakery giants like Starbucks and Dunkin’ have swept provider. It had reached a point where it needed to headlines with their latest digital efforts, smaller streamline its payment processes, Li explained, and cafés are far from being left behind when it comes that new software included features the company to adopting technology and embracing digital hoped would help achieve this: enabling customers methods. to write their signatures on-screen, allowing staff to print real-time tickets for orders and accepting PYMNTS recently spoke with Tanya Li, assistant online orders, among others. director of operations for Boston area-based Flour Bakery + Cafe, to get the scoop on how the seven- Given the bakery’s sizeable array of offerings, it store operation is evolving its payments and loyalty was also important that any POS software be able program to stay competitive. to store Flour’s menu in the cloud and update that menu on demand. Picking a payment system “A big thing for us is our menu is very large,” Li For this smaller-sized bakery chain, brewing up the said. “We needed a POS system that would be right payments solution meant carefully choosing robust enough to handle the very large menu and the amount of orders that come through.”

UNDER THE HOOD Another benefit of the software was the ability to offer digital gift cards, which become very popular around the holidays, she added.

How did Flour design its loyalty and rewards program? The online ordering has allowed us to help more people during lunch. “There are two simultaneous ways to earn rewards. There’s a visit-based one [with] tiered reward levels — you reach a different tier based on the number of visits, and then An appetite for apps at each level there are rewards. The second one is spend-based rewards. For every $100 Flour launched with one storefront in 2000 and has you spend, you get a certain amount of since grown to seven. By 2017, it was receiving Flour Dough, which is the credit we offer a flood of phone orders so large that it released our app users. an app with digital ordering features to help manage demand. The app gave guests a quicker We wanted there to be more than one digital ordering option, allowed them to use saved way for guests to be able to earn rewards. payment information and freed staff from taking The end goal is to get more guests in as phone orders. repeat customers, [so we gave them] two incentives to come back in. I see a lot of “We’ve definitely been able to take on more lunch people using their Flour Dough credit that orders that way,” Li said. “The online ordering has they’re earning. That’s definitely working as allowed us to help more people during lunch, to an incentive.” take on more orders, where before we were pretty thoroughly limited by being only able to take phone — Tanya Li, orders.” assistant director of operations for Flour Bakery + Cafe Breakfast and lunch are hot times for a café, and Flour is no exception. On average, its slowest venue takes in approximately $5,000 per day, and it’s busiest sees $20,000. The latter handles more than 100 orders daily, and the app user base has hit 8,400 and growing.

While the popularity of order-ahead has meant reworking staff flow, it hasn’t yet required changes

to store layout. The company aims to increase come into a store, and one that is spending-based digital ordering and its base of app users, driving and earns them store credit for every $100 spent. a lot of traffic without imposing a significant labor burden on staff, Li explained. One important aspect of both offerings was achieving the right vibe. “Having an app is a great way [for cafes and bakeries] to remain competitive in the market,” she “We wanted to offer a loyalty program with that noted. same digital online ordering experience that matches the level of hospitality that’s in the bakeries But getting there didn’t mean building the app themselves,” Li said. “We wanted the app to be from scratch. As with its POS system, Flour turned friendly, and easy to use, [and] in line with our to services from a larger provider, choosing local branding.” mobile ordering and payments platform LevelUp to build its offering. Joining an existing platform had The company also found success with digital gift its advantages, Li said, as many customers were cards that customers can send through email or already familiar with the platform and had pre- text. Flour plans to build on these type of ideas, existing accounts. with future features enabling customers to digitally gift friends with specific bakery items like a sticky “We have people who want to use LevelUp — more bun. Other features reinforce the company’s people than Apple Pay,” she noted. mission, allowing customers to add a donation to a charity or nonprofit of the month onto their The business currently accepts payment methods purchasing orders, Li said. such as Samsung Pay, cards and cash — no Apple Pay yet — but Li said credit card is the most popular As long as customers have a taste for mobile, it payment method, by far. seems Flour Bakery + Cafe will keep baking up new digital solutions. From regular to repeat, through loyalty and rewards Flour was determined to offer multiple reward options to turn regular customers into repeats. The result is two programs: one that is visit-based and rewards patrons based on the number of times they

Action In Africa

Mastercard acquires Oltio, pushes digital in Cellulant’s payment solution is ISO/IEC 270001 Africa, Middle East and payment card industry data security standard Mastercard is looking to expand its digital payments (PCI-DSS) certified, and its records are backed reach, recently announcing the acquisition of up by distributed ledger. Company co-founder payments and banking solution startup Oltio from and CEO Bolaji Akinboro said the approval will South Africa’s Standard Bank Group. It aims to use enable Cellulant to expand its solutions throughout the startup to improve and scale its current suite Nigeria’s payments ecosystem and, in particular, of merchant- and issuer-focused digital solutions in bring digital payments to agriculture, transportation emerging, cash-heavy markets — particularly cash- and logistics. It will also bring access to digital focused economies in the Middle East and Africa. payments to millions of “economically active but financially excluded Nigerians,” he added. The solutions are expected to help merchants and issuers extend a more seamless payment experience to customers, Mastercard said. Participating issuers gain person-to-person (P2P) Telecoms Tackles Payment Transactions payment capabilities, bill payments and airtime top-ups, all of which can be integrated into its MegaFon, Mastercard partner on mobile-enabled current banking apps. Merchants will receive more purchases omnichannel acceptance solutions, too, and even very small businesses will be able to accept digital Russian telecommunications giant MegaFon is payments using inexpensive technology such as QR dialing up its services and allowing its subscribers to codes. pay for purchases through their smartphones. The service rolled out this month under a partnership with Mastercard, enabling consumers to link Cellulant gets the go-ahead from Bank of Nigeria their mobile phone accounts to Apple Pay or Cellulant Nigeria Limited has been cleared to Samsung Pay by creating a virtual Mastercard card. operate as a payments solution service provider Tokenization is enabled through the Mastercard (PSSP) in Nigeria after receiving approval from the platform, and consumers can then pay for goods country’s central bank. The move will make Cellulant with a tap of their phones. It enables consumers one of the companies comprising the country’s to debit up to RUB 100,000 (approximately $1,728 “underlying ePayment infrastructure,” according to USD) per month. the Central Bank of Nigeria.

Customers can also use the MegaFon.Bank app to create virtual Mastercard bank cards and link them to Apple Pay, Android Pay or Samsung Pay. Up to 10 virtual cards may be created at a time — for distribution to family members, for instance — and cash back can be earned on every third app-based payment made on- or offline.

PCCW Global, Youtap enter collaboration agreement Meanwhile, players in Asia also have their sights If rolled out, the product could enable consumers to on expanding mobile payments services. Youtap, move money directly between the financial account a contactless mobile payments processing firm and Amazon via the automated clearing house with a focus on emerging markets, recently inked (ACH) network. It could also save Amazon on card a deal with Hong Kong-based telecom service interchange fees — reducing the revenue credit provider HKT’s international arm, PCCW Global. card issuers, intermediaries and payment networks Under the collaboration, PCCW will distribute receive from Amazon commerce — and would set a Youtap Pay, Youtap merchant acquisition services new precedent in the field. and HKT’s Tap & Go payment solution. It will also be able to provide clients with more comprehensive Google Pay gets new app, aspirations solutions, including a flexible, secure mobile payment processing platform that supports a wide Google recently announced a new Google Pay variety of transaction and payment methods — like mobile app enabling users to view and manage contactless. payments across cards, platforms and other payment methods — just one piece of its broader plan to push its payment method. The company is looking to enable anyone to use Google Pay, eCommerce Giants regardless of device, retail location or pre-existing Google account.

Amazon’s financial services exploration In a recent PYMNTS interview, Pali Bhat, Google’s vice president of project management for In addition to eCommerce, music and video payments, explained the service’s easy onboarding subscriptions and brick-and-mortar retail, Amazon is approach. Google Pay can onboard anyone by now looking to make its way into financial services. simply saving their payment credentials from an The company is reportedly in early discussions existing YouTube, Chrome, Google Play or another with major banks to provide customers with a Google property account. Consumers can then financial product similar to a checking account. use those payment credentials across all platforms The product is intended for unbanked customers owned by Google or its partners, without having or those without credit cards, as well as interested to download a designated payments app. The consumers like millennials.

company is working to bring more merchants to the service this year, according to Bhat.

Whipping Up Dinner Payments

The Co-op releases app for checkout-free POS The Co-op, a U.K.-based food retailer with more than 2,500 stores, recently announced a new mobile app for grocery shoppers. With the app, members Allowing patrons to legally dine and dash, the can scan items as they shop the store, then pay Dash & Dine solution calls for participating through it without having to interact with a clerk restaurants to place a Barclays Dash & Dine or go to a designated checkout area. Members’ device on the table and for diners to download shopping totals will be deducted from their an associated app. The customer taps his phone accounts with a simple click. to the device, is automatically charged when he leaves the restaurant and can add discount codes, The app boasts secure digital payments developed tips and receive electronic receipts via the app. by Mastercard, offering an alternative payment The solution is currently being trialed with one option rather than a complete replacement for London restaurant and is intended for larger rollout traditional payment methods. The Co-op reportedly following completion. created the app in response to a trend of declining cash transactions in its stores over the past five years, and out of a desire to provide a speedier Customer Acquisition shopping experience.

Barclays reveals Dash & Dine restaurant app LaterPay, Microsoft Germany partner The Co-op isn’t the only entity looking to save Requiring registration and payment up front, before U.K. consumers some time. London-based FI and allowing consumers to even access the content financial services company Barclays has announced about which they are curious, is one of the greatest a new app enabling diners to quickly pay restaurant drivers of shopping cart abandonment. To counter bills. The service follows a Barclays study which this, technology firm LaterPay and partner Microsoft found 25 percent of surveyed diners would leave Germany recently launched the LaterPay Pro without paying if they felt it took too long to arrive. solution. With a quarter of respondents voicing willingness to steal based on wait times, and another 36 percent LaterPay Pro enables consumers to access citing waiting for the bill as the most annoying part cloud-based paid content and services, only of dining out, Barclays is looking to tackle the pain prompting them to sign up and pay after hitting point. a threshold value selected by a company. Under the partnership, Microsoft partner aConTech will

reportedly use the service to enable its clients authorities, including government social assistance to offer Microsoft Azure Backup service without service providers and state and legal systems. The requiring them to pay or register up front. electronic voucher solution is intended for use when shopping for everyday retail items and, thanks to LendingPoint launches retail financing platform the pair’s cash register integration, will simplify the process for retailers. The eVoucher is also intended Some customers may know they want to buy a to reduce the complexity involved in providing such product but might not be flush with enough cash to services over a long period of time. feel comfortable purchasing. In these cases, retail consumer financing ensures customers are offered alternative financing options instead of being turned Utilities company offers prepay accounts away. FinTech firm LendingPoint recently announced In the U.S., utilities company Memphis Light, Gas its new LendingPoint Merchants Solutions platform and Water (MLGW) is offering residents a new way to help merchants and providers in these situations. to pay. Its new smart meter means customers can opt to prepay their utilities by depositing $100 into The platform integrates LendingPoint’s credit an MLGW account. underwriting, risk management and customer service capabilities with technologies from Usage costs will be deducted from the account consumer finance option LoanHero, which each day, and customers receive an alert when was acquired by LendingPoint in December the account is low. They can then refill any amount 2017. LoanHero technologies handle merchant they’d like, paying throughout the month without onboarding, program management and reporting, having to wait for a monthly bill. Utilities are not cut and can provide a broader financial consumer off as long as the account has a prepaid balance, profile beyond FICO scores. This enables a company and usage can be monitored through a mobile app to confidently approve loans for consumers whose and website. The solution enables customers to credit scores may seem otherwise discouraging. make small regular payments rather than receiving large monthly bills, according to MLGW, leading to more closely monitoring utility use, reducing consumption and saving money. Public Service Payments

Wirecard, Sodexo release electronic voucher in Germany Digital financial technology company Wirecard has teamed up with rewards solutions provider Sodexo on a new payment offering to assist public

Scoring breakdown

Providers in this report are evaluated on the capabilities they offer and are scored accordingly. Weights were assigned to each feature based on whether it improves the merchant experience, eases payments processing or helps in every aspect of selling and buying. The weights range from 5 percent to 25 percent.

Payments Acceptance and POS: Processing: Evaluates the types of POS services offered, including Involves the various payments providers features like offline payment processing, physical POS accept, and was segmented into mobile integration, omnichannel payment processing and wallets, gift cards, open loop cards, closed in-store and online payments acceptance loop cards and payments

Engagement and Marketing: Software: Includes capabilities offered Payments to help companies capture Evaluates which types of customers, engage them software management and, in turn, make them providers offer, including as a more loyal — such as cloud architecture or local/ rewards, coupons, beacons client/terminal, among and social media others Service Tracker™

Operations: Security: Evaluates various Evaluates fraud prevention capabilities offered to features to enable safer and administrate business, such more accurate identification as inventory management, of consumers or businesses, dynamic pricing, analytic including the compliant, informs and catalog tokenization, fraud management, and analytics Hardware: Considers whether a provider offers a device on which 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.

Company: Bridg 12 Founded: 2013 Headquarters: Dubai

05 0 0 5 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.

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: ChronoPay 12 Founded: 2003 Headquarters: Netherlands

05 0 0 05 0 0 02

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

ChronoPay is an online payment service provider offering online payment processing solutions. Its products enable businesses and companies in the European Union and Russia to accept electronic money and debit or credit card 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.

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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.

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

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.

NEW! 21 Company: Datatrans Founded: 2001 Headquarters: Switzerland

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

Datatrans is a payments services provider with a focus on payments processing in online trading. It provides a payment card industry data security standard (PCI DSS)-certified payments platform and develops customized payments solutions.

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

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

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: Easy Payments Gateway 13 Founded: 2014 Headquarters: U.K.

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

Easy Payment Gateway offers an online gateway for multiple payment solutions and credit card acquirers. It provides payment processing to merchants, and its tools assist non-IT staff with managing payments, routing services, configuring payment accounts, creating payment routing rules, fraud monitoring and more.

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

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

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: G2A PAY 12 Founded: 2010 Headquarters: Hong Kong

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Payments ngagement Tye o Tye o Tye o erations Sotare Accetance Marketing Payment Secrity ardare Mgmt G2A PAY provides international payment methods and 24/7 support for online businesses. It also supports more than 80 currencies.

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

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

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

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.

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Company: Instabill 32 Founded: 2001 Headquarters: U.S.A.

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

Instabill is a merchant account solutions provider. It offers online credit card processing services through payment card industry (PCI)-compliant payment gateways as well as technology support.

Company: Intrix Technology 36 Founded: 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

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

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

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.

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

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

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

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

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

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

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

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

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

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

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

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: Nochex 17 Founded in: 1999 Headquarters: U.K..

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

Nochex Payment Solutions provides online credit and debit card processing services for SMBs in the U.K. It is designed to enable users to process online credit and debit card payments, and offers seller, merchant and personal account services, management and reporting, an online credit card processing alternative, checkout and support services.

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Company: ONPEX 18 Founded in: 2010 Headquarters: Germany

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

ONPEX is a cloud technology firm providing modular, white-label payment and banking-as-a-service (BaaS) solutions.

Company: P97 28 Founded in: 2011 Headquarters: N/A

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

P97 is a mobile commerce and digital marketing platform that connect fuel retailers to consumers. Its PetroZone offering supports contactless mobile payments for gas at the pump and generates QR codes for in-store payments.

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

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

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

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

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

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

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

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

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

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: PayWiser 23 Founded in: N/A Headquarters: Slovenia

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

PayWiser offers services designed to integrate card and mobile payments into webpages and mobile applications. The company provides support for recurring payments and a virtual terminal for the POS.

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

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

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: Payzoff 10 Founded in: 2014 Headquarters: Estonia

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

Payzoff is a global payment services provider. It offers more than 150 international and local payment methods — including credit and debit card, online banking, eWallets, cash and mobile payments — through a single solution.

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Company: PBS 13 Founded in: 2005 Headquarters: Hong Kong

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

Payment Bills Service (PBS) is an online payments services provider for merchants. It offers credit card anti-fraud systems, risk management tools and support for credit card, debit card and non-card payment channels.

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

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: powerpay21 18 Founded in: N/A Headquarters: Germany

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Payments ngagement Tye o Tye o Tye o erations Sotare Accetance Marketing Payment Secrity ardare Mgmt powerpay21 is a FinTech solution provider. It offers products for online merchants, including omnichannel payment processing and local alternative payments.

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

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

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

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

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.

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.

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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: Vantage Payments 28 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

Vantage Payments offers a portfolio of merchant services to clients worldwide by relying on strategic alliances with banks, processors and acquiring networks.

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.

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

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