DOCSLIB.ORG

A Handbook of Vendors to the North American Payments Market

Total Page：16

File Type：pdf, Size：1020Kb

Download full-text PDF Read full-text
A Handbook of Vendors to the North American Payments Market 2021 BUYERS’ GUIDE A handbook of vendors to the North American payments market Volume Eighteen, Number Eight • DigitalTransactions.net • August 2021 DigitalTransactions.net brings you the most important payments market news, in one place, updated the moment it happens Breaking news from the payments market, posted daily Concise, clean interface is easy to navigate Calendar of industry events Complete current and past issues of Digital Transactions magazine Detailed listings of payments market suppliers 13 years of payments news and analysis DIGITALTRANSACTIONS.NET CONTENTS August 2021 ■ Volume 18, Number 8 The Gimlet Eye 4 A Remarkable Industry BUYERS’ GUIDE 2021 ACH Information . Fraud Prevention . Payment Processing . ACH Processing . Gift Cards . Payment Software . Acquiring Bank . Global Acquirers . Payments Education . Age Verification . Healthcare Payments . PCI Compliance . Agent & ISO Program . High Risk Processing . PCI Security . Alcoholic Beverage POS Software . Identity Verification . Portfolio Assessment . Alternative Payments . Imaging Services . Portfolio Purchases . Associations. Imprinter Equipment & Supplies . Portfolio Sales . ATM Equipment & Services . Incident Response & Forensics . POS Cloud . Auto ID/RFID Technologies . Independent Software Vendors . POS Software . Automated Sales Tax Solutions . Independent Sales Organizations (ISOs) . POS Stands . Back Office Automation . Instant Card Issuance . POS Supplies . Bar Code Technology . Insurance . POS Systems . Bill Payment and Presentment . Integrated Payment Middleware . POS Tablets . Business Financing . Integrated Receivable Software . POS Terminals . Cannabis Payments . Integrated Solutions . POS Terminal Distribution . Card Companies . International Payments Resources . Prepaid Cards . Card Manufacturing . Internet Services . Printing Devices . Card Services . Investment Banking . Printing Forms & Labels . Cash Discount Program . IP Gateway Services . Processing Software . Chargeback Processing . IT Outsourcing . Processors . Check . Kiosks . Public Relations . Check Guarantee & Verification . Lead Generation . Recruiting & Placement . Check Imaging . Leasing . Remote Deposit Capture . Check Processing . Legal Services . Repair & Deployment Services . Check Services . Loyalty Card Programs . Reward Programs . Collection Services . Marketing Agencies . Risk Management . Consulting . Merchant Card Services . Secure Payments . Contactless Terminals . Merchant Cash Advance . Security Services . Core Processing . Merchant Site Inspections . Security Software . Credit Card Surcharging . Mergers and Acquisitions . Self-Checkout Systems . CRM . Millenial Marketing . Semi Integration . Customer Devlopment . Mobile Commerce Applications . SMB Credit Card Provider . Data Analytics . Mobile Marketing . Software . Digital Banking . Mobile Payment Systems . Technology Software . Document Management . Mobile Payments . Telecommunications . Electronic Commerce Payments . Multi-Currency Processing . Testing . Electronic Commerce Services . Networks . Tokenization . EMV Services . ..
Load more

Recommended publications
  • Download a PDF Version of the 2017 Annual Review
    Front Back Cover for Avisan.qxp_Layout 1 11/15/17 1:27 PM Page 1 Secure Technology Alliance 191 Clarksville Road Princeton Junction, New Jersey 08550 Annual Review 2017 Alliance A Secure Publication Technology 7 Volume www.securetechalliance.org Annual Review 2017 SCA-ad 2017 resized.indd 1 10/30/2017 10:40:22 AM EXECUTIVE DIRECTOR’S LETTER: A MESSAGE FROM RANDY VANDERHOOF Delivering Value to a Diverse Market Thank you for taking the time to read the 2017 Annual Review. This publication captures the best aspects of the membership experience for 2017 that hundreds of individual members and their organizations helped to provide. This year was especially sig- nificant, as the organization expanded its mission beyond smart cards and was re-branded as the Secure Technology Alliance. The new name and scope allows the Alliance to include embedded chip technology, hardware and software, and the future of digital security in all forms. The vast number of deliverables and member-driven activities recorded in the publication illustrates the diversity of the markets we serve and the commitment of all the industry professionals who contribute their knowledge and leadership toward expanding the market for smart card and related secure chip technologies. CHANGE COMES WITH NEW OPPORTUNITIES The decision to expand the mission and rebrand the organization was driven THE DECISION TO EXPAND by the changes in the secure chip industry, mostly from mobile technol- ogy and the growth of Internet-connected devices. This does not mean the THE MISSION AND REBRAND market for smart cards has disappeared. In fact, over the last few years, the THE ORGANIZATION WAS U.S.
    [Show full text]
  • Security Cover
    BASE PROSPECTUS TELEFO´ NICA EMISIONES S.A.U. (incorporated with limited liability under the laws of The Kingdom of Spain) guaranteed by TELEFO´ NICA, S.A. (incorporated with limited liability in The Kingdom of Spain) A15,000,000,000 PROGRAMME FOR THE ISSUANCE OF WHOLESALE DEBT INSTRUMENTS This prospectus has been approved by the United Kingdom Financial Services Authority (the ‘‘FSA’’), which is the competent authority for the purposes of Directive 2003/71/EC (the ‘‘Prospectus Directive’’) and relevant implementing measures in the United Kingdom, as a base prospectus (the ‘‘Base Prospectus’’) issued in compliance with the Prospectus Directive and relevant implementing measures in the United Kingdom for the purpose of giving information with regard to Telefo´nica Emisiones S.A.U., Telefo´nica, S.A. and the issue of debt instruments (the ‘‘Instruments’’) under the programme described above (the ‘‘Programme’’) during the period of twelve months after the date hereof. Applications have been made to the Financial Services Authority in its capacity as competent authority under the Financial Services and Markets Act 2000 (the ‘‘FSMA’’) for Instruments issued within 12 months from the date hereof to be admitted to the official list of the FSA (the ‘‘Official List’’) and to the London Stock Exchange plc (the ‘‘London Stock Exchange’’) for such Instruments to be admitted to trading on the London Stock Exchange’s Gilt-Edged and Fixed Interest Market. References in this Base Prospectus to Instruments being ‘‘listed’’ (and all related references) shall mean that such Instruments have been admitted to the Official List and have been admitted to trading on the London Stock Exchange’s Gilt-Edged and Fixed Interest Market.
    [Show full text]
  • 2017 Region IV Exhibitor/Sponsor Guide
    2017 Region IV Exhibitor/Sponsor Guide 3M Booth 103 ABCorp Booth 200 P: 877‐777‐3571 www.3m.com/vehiclereg Rola Hamandi | [email protected] | 954‐ Armed with innovative technology and industry 993‐5476 experience, 3M provides ingenious solutions for a Jack Barnett | [email protected] | 615‐794‐ variety of transportation industries across the globe. 1575 Our complete spectrum of products, services and www.ABCorp.com solutions address the common challenges of the ABCorp™ is a trusted global provider of secure motor vehicle industry to enhance organizational products and solutions. ABCorp pioneered the performance and productivity. 3M offers license concept of secure transactions in 1795 when it plate materials and equipment, as well as on‐demand assisted the newly formed United States to produce services, to enhance DMV operations; world class counterfeit‐resistant currency. Over the past 220+ security for driver credentials and secure vehicle years ABCorp has produced products for countless identification solutions; automated license plate governments, corporations and not‐for‐profit readers and software; automated finger print organizations. Products and solutions include systems, and mobile ID solutions. passports, national IDs, driver licenses, mobile Identity, vital records, stock & bond certificates, AAA – American Automobile Association of checks, financial cards, processing systems, inventory Southern California management, document solutions, and payment Driver’s License Breakout Sponsor solutions among others. Tari Cody Cody.Tari@aaa‐calif.com P: 714‐885‐2051 AAA.com ACF Technologies, Inc. Booth 305 As North America’s largest motoring and leisure Josh Gravley [email protected] travel organization, AAA provides more than 57 P: 828‐398‐0040 www.customerflow.com million members with travel, insurance, financial and ACF Technologies offers customer experience automotive‐related services, including DMV in some solutions for the motor vehicle industry and regions.
    [Show full text]
  • World Bank Document
    在销售端实现无现金交易： 发达国家的成功与失败案例 子储蓄...电子汇款...很多生活在发达国家 尽管这些发达国家的经历不能直接转 Public Disclosure Authorized 电的人对这些方式司空见惯，因为进行电子交 化为可供发展中国家借鉴的教训，但 易是他们日常生活的一部分。毕竟，通过借记卡或信 本文力图向大家传达这样的信息：在 用卡支付账单或提取现金非常普遍，谁也不会对此多 发展中国家的环境下，哪些方案可 加考虑。 能可行，哪些或许不可行，以及哪 些是共性的，哪些可能是个性的。 对于持有储蓄账户的人来说，借记卡已经成为标准支 付工具。在大多数发达国家，借记卡的普及率都非常 电子支付市场在亚洲相对成功可能有其特别的原因， 高。制约借记卡进一步推广的因素主要有以下三点： 即客户对新技术的青睐、移动运营商在品牌建设战略 中传播创新理念的重要性、借记卡的普及率较低。现 • 银行账户在人群中的普及率。 在，很多亚洲模式又重新在欧洲找到了出路。有鉴于 • 在缺乏经济活力或人口稀少的地区，低迷的经济形 香港对交通卡（八达通卡 Octopus）的成功运作，英 势将会制约终端设备（自动柜员机 [ATM] 或销售端 国也推出了相似的业务（Oyster 卡）。日本和韩国的 Public Disclosure Authorized [POS] 设备）的充分部署。 运营商（分别为 NTT DoCoMo [DCM] 和 SK Telecom） • 在通信基础设施有限或交易价值非常低的市场环境 为客户提供了具备超短程通信技术1 的手机，使用此 下（这些情况下通信费占交易成本的比例可能非常 类手机进行当面移动支付的益处开始逐步显现，而很 高），能维持实时支付授权的通信成本。 多欧洲运营商对内嵌 NFC 功能的手机充满兴趣，并热 切期待其在欧洲的推广。 上述三点对很多发展中国家来说都是重要的制约因 素，而这些地方的银行业务推广通常还受到社会经济 对于发达国家中使用智能卡和手机支付平台的状况， 阶层和地理位置的限制。即使在发达国家，这些因素 本文将有关这两方面的典型失败案例和一些可借鉴的 也可能产生有利于选择电子支付方案的商机，从而弥 经验进行了梳理。我们从几十个案例中撷取了几个 补纸质现金的随意性和借记卡需要部署大量的通信设 实例2，并且无意对任何特定方案的细节展开深入讨 施的缺点。 论。我们并非只为了向您讲述这几个情节跌宕的冒 Public Disclosure Authorized 险故事，而是要从失败和成功的经验中汲取有用的教 然而，很多试图推行前沿电子货币和支付设备以取代 训。尽管这些发达国家的经验不能直接转化为可供发 通过借记卡提取现金的做法均告失败，这是因为客户 展中国家借鉴的教训，但本文力图向大家传达这样的 通常会对这些系统的必要性或实用性产生质疑。欧洲 信息：在发展中国家的环境下，哪些方案可能可行， 很早便对该市场进行探索，从20 世纪90年代中后期的 哪或许些不可行，以及哪些是共性的，哪些可能是个 现金替代物智能卡（Mondex、Proton）到 21世纪初的 性的。 互通移动支付平台（Simpay、Mobipay），但显然并不 算成功。 三类基本方案简述 NOTE FOCUS 而在亚洲，包括日本、香港、韩国、新加坡、台湾在 我们对三类方案进行讨论，并且在每类案例中介绍两 第51期 内的市场却相对成熟，正是它们率先开发出新方案， 个供应商（有不同的市场接受程度）的运作。尽管我 2008年12月 实际上也获得了一定的成功。所以相对于欧洲市场的 们关注的重点是通过手机进行支付，但先从使用智能 惨重失败，我们可以将目光投向亚洲，学习其在无声 卡的两个案例切入，因为该方式与手机支付具有很多
    [Show full text]
  • White Paper Contents
    BREAKTHROUGHS IN THE EUROPEAN MOBILE PAYMENT MARKET White Paper Written by Laurent Bailly and Bernard Van der Lande Executive Summary Mobile payment has yet to fulfil its potential. The time is now right for the mobile phone to step up and become an everyday, convenient payment method. Technological advances, such as the new generation of mobile devices, the emergence of contactless payments, IP everywhere and 3G, coupled with the adoption of the new legal framework for payments and the creation of the Single Euro Payment Area (SEPA) means the future for mobile payment has never been more promising. Contents The future of mobile payment will likely belong to contactless technology Still in its pilot stage in Europe, Near Field Communication (NFC) contactless Executive Summary 1 payment is a huge opportunity for proximity payment, as it addresses both the cash and card payment markets. Introduction to mobile payment 2 Why the time is right for Collaboration between stakeholders is key mobile payment 4 Standardisation and business model issues need to be resolved through strong collaboration between mobile operators, banks and retailers, so as to Mobile remote payment 5 limit the number of rival solutions, which would inhibit mobile contactless Mobile proximity payment 11 payment adoption. Conclusion 16 Mobile remote payment will prosper in the short term The technology for mobile remote payment is already mature with opportunities beyond mobile content, such as pre-paid top-up and electronic bill payment. For mobile operators, it provides new opportunities to drive additional revenue via mobile shopping and payment traffic. The market is also accessible to banks and new entrants.
    [Show full text]
  • Tapping Into Portfolio Power Players
    News August 23, 2010 • Issue 10:08:02 Industry Update .......................................14 Debit surcharges targeted by California lawmakers .......................42 Tapping into portfolio Have NFC payments reached tipping point? .....................................43 power players Skimmers shifting from ATMs to gas pumps .......................................45 Trade Association News MWAA inspires and informs once again ........................................47 Features SellingPrepaid Prepaid in brief ....................................30 Legislative fallout for gift card providers By Thom Aldredge, World Gift Card .......32 Views ISOs, MLSs and fi nancial services re-regulation By Patti Murphy The Takoma Group ...............................26 Fraud trends in 2010 By Nicholas Cucci Network Merchants Inc. ........................28 Education Street SmartsSM Variations on valuations By Ken Musante, Eureka Payments LLC ....54 Going global in Europe By Carrie Hometh, Payvision..................58 Succeeding at PCI compliance – Part 4: Maintaining the program By Dawn M. Martinez First Data Corp. ...................................60 teady income from POS terminal sales and leasing now seems like the Technical details: stuff of fairy tales, so many new merchant level salespeople (MLSs) What to share and what to spare strive to build residual streams rapidly by signing merchants who are easy to reach and can make quick decisions. Usually these are mom- By Dale S. Laszig S and-pop stores or other small enterprises. Ultimately, however, diversification is Castles Technology Co. Ltd. ...................62 necessary to create the strongest portfolio possible; this is especially important Are your online contracts enforceable? during a recession. By Sarah Weston Jaffe, Raitt, Heuer & Weiss PC ...............64 One way to diversify is to pursue prospects who, due to the size or complexity of their businesses, take months or years to make decisions about transaction The proper care and feeding of LinkedIn processing.
    [Show full text]
  • Safely Restore Federal Facility Operations: Vaxtrac COVID-19 Management Solution
    Safely Restore Federal Facility Operations: Vaxtrac COVID-19 Management Solution COVID-19 has altered back to work for the Based on globally deployed healthcare and Federal government at all levels creating the need emergency management credentialing for granular management of health risks for technologies and identity management platforms, employees and contractors. Federal agencies Vaxtrac capabilities include: have evaluated their options for returning to work • – recognizing that a decision today is subject to Integrated testing and vaccination change tomorrow. management applications that securely and privately record results for easy verification There is general acceptance that implementing • testing, temperature checks, PPE and social Privacy-preserving trusted digital health distancing controls will support a safe return to credentials issued in real-time to a smartphone , the office. However, in practice that is much easier app smart card, or printed on paper with an said than done. anti-tamper digital seal • Our understanding of COVID-19 and how it Rapid, confident credential verification spreads continues to evolve, at the same time we methods including options for simple code - are gaining access to faster and more confident scans or integration wtih high speed testing, new treatments, and soon the first biometrics and unattended access vaccines will enter the market. Federal agencies • Ongoing monitoring, reporting, and alerting to must protect the health and safety of their support contact tracing and quickly address employees by incorporating best practices as they new infections continue to evolve. • Plus, remote management of issued A key aspect of managing risk is knowing, credentials, such as expiring or updating status tracking, and quickly verifying the health status of as new information is uncovered such as individuals engaging with each other.
    [Show full text]
  • The Consumer Implications of the Use of Electronic and Mobile Payment
    THE CONSUMER IMPLICATIONS OF THE USE OF ELECTRONIC AND MOBILE PAYMENT SYSTEMS Written by: SiLu Liu and Yue Zhuo Supervised by: Dilip Soman and Min Zhao November 2012 1 Table of Contents Executive Summary ........................................................................................................................ 4 1. A Model for Retail Electronic Payment ................................................................................... 6 1.1 Elements of the Model .......................................................................................................... 6 1.2 Consumer Perspective ........................................................................................................... 7 1.3 Business Perspective ............................................................................................................. 8 2. Case Studies ............................................................................................................................... 10 2.1 Credit Cards ......................................................................................................................... 10 2.2 MasterCard PayPass ............................................................................................................ 12 2. 3 Simpay ................................................................................................................................ 13 2.4 Dexit ....................................................................................................................................
    [Show full text]
  • Web Fraud Prevention, Identity Verification & Authentication Guide 2018 -2019
    Web Fraud Prevention, Identity Verification & Authentication Guide 2018 -2019 LATEST INSIGHTS INTO DIGITAL ONBOARDING AND FRAUD MITIGATION FOR BANKS, MERCHANTS AND PSPS Key Media Partners Endorsement Partners Web Fraud Prevention, Identity Verification & Authentication Guide 2018 -2019 LATEST INSIGHTS INTO DIGITAL ONBOARDING AND FRAUD MITIGATION FOR BANKS, MERCHANTS AND PSPS Contact us For inquiries on editorial opportunities please contact: Email: [email protected] To subscribe to our newsletters, click here For general advertising information, contact: Mihaela Mihaila Email: [email protected] RELEASE VERSION 1.0 DECEMBER 2018 COPYRIGHT © THE PAYPERS BV ALL RIGHTS RESERVED TEL: +31 20 893 4315 FAX: +31 20 658 0671 MAIL: [email protected] Editor’s letter Customer experience and the conflict between offering a fric­ However, fraud attacks are becoming more sophisticated, with tionless customer service to good clients while managing risk fraudsters having access to the latest technology and sophis ti cated and blocking the bad guys are some themes that are emerging tools. Therefore, what is really needed? A fraud management from acquirers, card schemes, regulators, service providers, solution can track the customer’s behavioural patterns (beha- merchants, as well as auditors and journalists alike. vioural profiling) and instantly detect and report any signs of fraud, triggering a step up authentication to mitigate the Identifying fraudulent behaviour without rejecting or offending potential risk (risk-based authentication). good customers is key because a blocked good customer will not return, and as the market is so competitive, they can go every- Similarly, when it comes to financial institutions (FIs), FIs where. Moreover, automation technologies based on machine are under intense competitive pressure to make the banking learning and artificial intelligence are gaining prominence in this experience easier and frictionless (while regulators in Europe conversation.
    [Show full text]
  • When Collaboration Makes Sense – and When It Doesn’T
    When Collaboration Makes Sense – And When It Doesn’t By Eric Grover Digital Transactions September 30, 2018 Through the years, the network game hasn’t changed. Payment systems need volume, and that means interoperability with other networks. The key is to be smart about it. The payments world is a patchwork of overlapping and interdependent networks. For success, networks need a path or paths to critical mass. For most, leveraging directly competitive and adjacent systems is essential. In payments, network effects and habit matter enormously. The most feature-rich, secure, or cheapest payment system in the world is worthless if only one consumer or business uses it. By contrast, systems with billions of users are compelling, notwithstanding imperfections. To boost usage, networks partner, often ceding some control and economics. In free-market capitalism, no relationship, however one-sided, is consummated unless both parties calculate that they’ll profit. But payment-system relationships evolve based on changing relative power and interests. For example, imagine a world where 50% of Mastercard transactions were initiated over Apple Pay. Those able to shift payments share command better economics, so, at a minimum, Apple would take a bigger bite of interchange. While there are hundreds of national retail-payment schemes, only a handful of systems are or aspire to be global. Mastercard and Visa are the only genuinely planetwide retail-payment systems. They command the lion’s share of cross-border retail payments in every country except China, Iran, North Korea, Sudan, Syria, and the part of Ukraine occupied by Russia. Their open model leveraging tens of thousands of banks to deliver payments to end users has been the most successful payments-system strategy ever.
    [Show full text]
  • Paying by Mobile
    WHITEPAPER Paying by Mobile This whitepaper is an extract from: Mobile Payments Strategies & Markets 2007-2011 . information you can do business with White Paper ~ Paying by Mobile Paying by Mobile Introduction The user demand for convenient and intelligent ways in which to make payments for goods and services using a mobile phone is creating exciting opportunities for those organisations that are part of the mobile payment ecosystem. The ecosystem includes mobile operators, banks, retail merchants & transport operators, handset manufacturers (and their suppliers), and a whole range of new entrants eager to put their innovative mobile payment solutions into the hands of mobile phone users. Mobile payment applications and services are already available in most regions in a variety of formats, and where they are being adopted, either in trial or production mode, the user feedback has been very favourable. As is the case with other, older, payment schemes like cash, the current mobile payment market does not have a single, definitive, payment method and there is substantial variation between what particular scheme is adopted from region to region. Mobile payment schemes vary from the remote methods, such as Premium SMS schemes for paying for digital content dominating in Europe, to the physical, whereby, in regions such as the Far East and China, users take their mobile phone to the physical storefront to pay for goods via contactless credit/debit card schemes. This white paper introduces the reader to the main types of mobile payment schemes and investigates market drivers/constraints and forecasts for them. Mobile Payment Types As with the physical and virtual worlds there are many different and competing categories of mobile payments currently available.
    [Show full text]
  • First Name Last Name Company Dawn Gallagher Murphy a LA CARD Marketing and Consulting Services Limited Adam Wahler a to a Studio Solutions, Ltd
    First Name Last Name Company Dawn Gallagher Murphy A LA CARD Marketing and Consulting Services Limited Adam Wahler A To A Studio Solutions, Ltd. Michelle Lehouck ABCorp Jean-Philippe RUAULT ABCorp Ellen Scanlon ABCorp Canada Jim Ellis ABCorp CCS Jorge Ojeda ABCorp North America Tyler Dulmage ABnote USA, Inc. Willy Dommen Accenture Catherine Johnston ACT Canada James Plucinski Activation Label Group Bruce Ackerman Acuant Inc. John McDonald Advanced Card Systems and Solutions, Inc. Alejandro Placitelli AdvanIDe Inc. Carol Pabon AdvanIDe Inc. Ken Hutchins AdvanIDe Inc. Vitor Hajje AdvanIDe Inc. Irina Zharova AdvanIDe Inc. Nikita Kozhemyakin AdvanIDe Inc. Bruce Fard AIP&P, Inc. Oliver London AIP&P, Inc. Mark Goscenski all4-GP North America Inc. Mark Brown Allcard Limited Gord Baird Allcard Limited Jim Ward Allegheny Printed Plastics Ian Cessna Alliance Data Leslie Mylin Alliance Data Scott Swesey Alliance Data Jerry Stanley Alliance Data Peg Hansel Alliance Data Amber Capwell Alliance Data Patricia Meiburg Alliance Data Randy Piatt Alliance Data Card Services Brian Hamp Allsafe Technologies, Inc. Bharath Balasubramanian American Express Michael Blecher American Express Karen Czack American Express Craig Greenberg American Express Kenoy Kadakia American Express Naina Kalavar Mackay American Express Rhonda Marx American Express Brett McLeod American Express Carol OKeeffe American Express Jamie Plut American Express Stephen Tutt Apollo Colours Ltd. Gordon Wilkie Apollo Colours North America Colin Henson Apollo Colours North America Carol Anne
    [Show full text]