Buyer Guide 6q5816

PSP BUYER‘S GUIDE 2010 INSIGHTS IN THE WORLDWIDE ONLINE PSP MARKET

OVER

250 PSPs WORLDWIDE INSIDE

‘A solid reference for web merchants and payment professionals, both visually appealing and deeply informative’ Chiel Liezenberg, Partner Innopay

PSP BUYER‘S GUIDE 2010 INSIGHTS IN THE WORLDWIDE ONLINE PSP MARKET

Authors The Paypers

Release Version 1.0 September 2010 Copyright © The Paypers BV All rights reserved

WIRECARD

Wirecard AG is one of the world's leading technology and service companies in the fields of electronic payments, risk management and banking services. Today the Wirecard Group provides more than 11,000 businesses in various sectors of the economy with intelligent solutions from a single source. Wirecard AG is listed on the Frankfurt Securities Exchange (TecDAX, ISIN DE0007472060, WDI).

Solutions and products for business customers We offer our customers the means for acceptance of a wide range of national and international payment methods. A large number of complementary products and solutions focusing on risk management ensure extensive protection against payment defaults. The core of the Wirecard portfolio of services is a platform combining all distribution channels via a common interface, resulting in advantages in of cost and processing effort for the customer. Outsourcing their financial processes allows our customers to focus on the main game: running their own businesses. To be able to meet industry and customer-specific requirements, Wirecard AG offers flexible approaches to solutions. The industry solutions currently available for the consumer goods, tourism and airlines sectors as well as for digital goods are based on our holistically integrated and bundled product lines. By entering into partnerships with industry-specific service providers such as Amadeus, SITA, Accelya, Experian and evelopment, we are able to provide real ―end-to-end‖ industry solutions that are capable of ing downstream business processes with interfaces to the ERP/merchandise management/logistics/debtor management or ing systems of our customers. In addition, we also supply standardized sector-independent shop systems solutions. Electronic payment processing is backed by customized risk management tools. Banking services like credit card acceptance or dedicated currency management complement the outsourcing of such financial processes. Additional products for point-of-sale and call-center services are rounding off the range of solutions from a single source.

Supplementary banking services Wirecard Bank, part of the Wirecard Group, offers innovative products and services for corporate banking. These include business and currency s as well as the allocation of credit card acceptance agreements and the issuing of payment cards within the scope of cobranding and customer loyalty projects (prepaid or co-branded cards). To be able to accept payments by credit card, the merchant requires a credit card acceptance agreement from a bank licensed by the credit card organization (known as an acquiring bank). As a Principal Member of Visa and MasterCard and a full member of the largest Asian credit card organization JCB International (Japan Credit Bureau), Wirecard Bank is licensed to conclude credit card acceptance agreements. The company is licensed acquirer for the credit cards Diners Club® and Discover and operates as a credit card acquirer with more than 100 transaction currencies and 15 payout currencies in more than 69 countries around the world. Moreover, the Wirecard Bank‘s hip of SWIFT (Society for Worldwide Interbank Financial Telecommunication) enables it to provide its business customers operating with a global reach a large number of supplementary services in the field of foreign payment transactions and forex management services. Through its hip in MasterCard and Visa, Wirecard Bank also holds the licenses required for issuing cards (Issuing Bank). www.wirecard.com | www.wirecardbank.de | www.mywirecard.com PSP BUYER‘S GUIDE 2010

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PSP BUYER‘S GUIDE 2010

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INTRODUCTION You are reading the PSP Buyer‘s Guide 2010, the most complete and up-to-date reference source for online PSP-related information at global level.

The PSP Buyer‘s Guide 2010 provides state-of-the-art information on over 250 online Payment Service Providers (PSPs) all over the world. Think of it as the ultimate information gateway on online payment services providers worldwide – a reliable, well-documented initiative designed to function as a one-stop-shop for a wealth of information concerning PSPs. Whether your purpose is to select the one payment services provider that best suits your needs, compare two PSPs in order to make an informed choice or simply stay up to date with the latest market capabilities in the field, the PSP Buyer‘s Guide 2010 offers everything you need – and then some more!

The industry need for a centralized source of information on payment services providers became apparent by the huge amount of interest generated by the comprehensive and ever expanding PSP listings, which we started as part of our ‗Online payments 20xx‘ reports. From some 20 (mainly) European online PSPs, The Paypers have now taken this list to a whole new level with their initiative. The result is this PSP Buyer‘s Guide 2010 - a greatly improved and expanded version, conceived as an independent project and ideally positioned to consolidate the wealth of data provided by all listed companies and make it available to the global market.

The market for e-commerce is rapidly evolving and intensely competitive worldwide and the potential for continued expansion in this sector is vast. Many different payment systems have emerged for online merchants. E-commerce payment systems include traditional credit/debit cards, but also other technologies, such as digital wallets, e-cash, mobile payment and e-checks. Another form of payment system is allowing a third-party company to complete the online transaction. These companies are called Payment Service Providers (PSP). A PSP provides online merchants with services for accepting electronic payments by a variety of payment methods, specifically tailored for the merchant`s business needs. Each PSP has its own fraud protection measures, charges its own costs, offers a specific list of payment options and provides access to a certain ecommerce instruments. Some PSPs are specific to a certain country and some are global.

The development of alternative payment methods has been interpreted by industry observers as a response to the drawbacks associated with a credit card transaction. Lower credit limits, higher fees, greater perceived security, interest rate growths and debt-related fears are among the main factors which shifted online consumers' attention towards these alternatives. In some regions, especially in the US, less costly alternative (non-credit card) payment methods such as PayPal, Google Checkout and Bill Me Later are gaining significant market share previously enjoyed by various players in the credit card industry. According to Javelin, non-card based payments ed for around 10% of the estimated USD148 billion US consumer online shopping market in 2008. Bank-issued credit cards ed for 55%, debit cards 27%, retailerissued store cards 4%, and prepaid/gift cards 4%, the Javelin report suggests. In the US, internetbased financial services no longer constitute a novelty, accessible only to high-end tech-savvy consumers, but are moving to become a well-established financial reality. According to the "Internet PIN Debit: Aligning the Needs of Merchants, FIs and Consumers for Online Payments" white paper released by Javelin Strategy & Research, online credit card retail purchase volume is expected to PSP BUYER‘S GUIDE 2010

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a decline in its growth rate by 2013. As a result, the percentage of online payments conducted via credit cards is to drop to 40 percent in 2013, compared to 59 percent in 2007 and 55 percent in 2008. On the other hand, the share of online purchases made via other payment methods is set to grow by 2013, the same source indicates. In Europe, the ways in which consumers pay for goods online are still varied. In The Netherlands, iDEAL ranks highest in the top of the most popular online payment systems, with 44 percent of online shoppers preferring this payment method to any other option. In 2009, the Dutch online payment service has witnessed a growth of 63 percent in the number of transactions to 45 million, as compared to 28 million ed in the previous year. Germans prefer direct debit method ELV, Danes pay with their debit card, the French by credit card and Eastern Europeans prefer cash-ondelivery. For more detailed information see our 'Online payments 2010' report, free to at www.innopay.com/publications

But while e-commerce may be on the rise, online markets, both globally and in the EU, are still separated by multiple barriers. Some of the barriers to cross-border commerce seem to result from regulatory differences, a lack of shipping options or the non-availability of a certain payment methods rather than ‗simple‘ language-related issues. In this context, and because of increasing competitive pressures, payment providers need to constantly re-examine the basis on which they deliver customer propositions. After all, the merchant‘s online business depends on the service and reliability they provide.

For a PSP, understanding the nature of this game and positioning for success is becoming increasingly critical for survival.

The PSP Buyer‘s Guide 2010 is firmly anchored in the most recent developments on the global online PSP market and provides a much-needed central resource indicative of both evolving trends and global market developments. In a constantly changing world, it is positioned as a solid reference point for web merchants and payment professionals, a handbook both visually appealing and deeply informative. A valuable companion to be kept at hand at all times.

Chiel Liezenberg Partner, Innopay

www.innopay.com

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Company

2Checkout.com

Website

www.2checkout.com/community/

Geographical presence

Europe, North/Latin America

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline

≈

Company

2pay

Website

2pay.us.com/

Geographical presence

Europe, North/Latin America

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



Company

3V Transaction Services

Website

www.3v.ie

Geographical presence

Europe, North/Latin America

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



PSP BUYER‘S GUIDE 2010

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Company

99Bill

Website

www.99bill.com

Geographical presence

Asia/Pacific

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking

≈

E-wallet



Mobile/SMS/IVR



Alternative payment methods

≈

Offline



Company

ABN Amro

Website

www.abnamro.com/en/index.html

Geographical presence

North/Latin America, Europe, Middle East/Africa, Asia/Pacific

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



Company

Accelya

Website

w3.accelya.com

Geographical presence

North/Latin America, Europe, Middle East/Africa

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



PSP BUYER‘S GUIDE 2010

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AcceptEmail is a simple and secure electronic billing and payment solution utilizing the power of email. Real-time generated images convey the current bill status, resulting in a comprehensive EBPP experience in the customers‘ inbox. In a 3-click process bills are paid straight from within the e-mail without manual data (re)entry, resulting in full process transparency & control for the customer and the merchant.

Company

AcceptEmail

Website

www.acceptemail.com

Keywords

e-billing, e-invoicing, e-bill, e-invoice, e-mail, payment, credit management, invoice-to-cash



Mr P.J. Kwakernaak | CEO; [email protected]; +31 20 462 5356 ; +31 6 54394102

Geographical presence

Europe

Market segment(s)

Retail, Insurance, Telecom, Utilities, Ticketing, Charity, Education, Internet, Publishers

Active since (year)

2006

Payment methods Credit cards

Amex, MC, VISA, CB, JCB

Debit cards

Dankort, Ban/Mister Cash

Pre-paid cards



Online banking

All local online banking systems

E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



Connected companies (#)

#3 Acquirers

Companies PSP is connected to

Ogone, ICEPAY, iDEAL, PBS, PayDutchGroup, DIBS

Services Unique Selling Points

AcceptEmail enables electronic billing and payment (EBPP) by means of one of the best universal address spaces: email. The reach, convenience and penetration of e-mail is excellent. AcceptEmail is the digital replacement of various paper-based methods. Apart from an innovative billing and payment initiation method, AcceptEmail also s marketing with x-selling and credit management with collections. The service is cross industry and used by various companies in various ways: Utilities companies substitute paper-based methods with AcceptEmail in various stages of their invoice-to-cash process. Telephone companies and Internet Service Providers send AcceptEmails to customers where the direct debit transaction failed, requesting payment of their open invoice using this friendly payment method. It is also used for high usage invoicing on the fly and in suspension cases. Publishers and charities use AcceptEmail for fund raising, marketing actions based on actual events and acquisition of new subscribers (also in cross-selling e-marketing actions). Web shops generate more revenue by offering (loyal) customers AcceptEmail as a payment method after delivery. Collection agents help debtors while on the phone from their call centres to pay in a friendly, safe and easy way or offer a payment plan. Travel agents and ticketing companies can arrange for partial or rush payments by scheduling a number of AcceptEmail in batch over a given time period or by generating AcceptEmails on the fly, which is especially effective for last-minutes. In the B2B sector, AcceptEmail is an attractive method for rush orders and rush payments or for avoiding drivers to having to collect cash upon deliveries.

Core services

EBPP – Electronic Bill Presentment & Payment

Pricing

On request

Collecting payments



Distributing payments



Fraud prevention (measures)

Not applicable

Fraud prevention partners

Not applicable

Credit management (services)

Yes – in all phases of the invoice2cash process.

Other services

Integration with sms and voicecast

Third Parties

RedBox SMS | Microsoft

PSP BUYER‘S GUIDE 2010

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Company

AcceptEmail - continued

Technology Direct connections



Batch processing



Per transaction processing



Merchant pages (direct model)



PSP pages (indirect model)



Interfaces

Web services, SOAP, XML

Security

HTTPS, SSL+, PKI

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Company

Acceptance

Website

www.acceptance.de

Geographical presence

Europe

Payment methods Credit cards



Debit cards



Pre-paid cards

≈

Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



Company

Acculynk

Website

www.acculynk.com

Geographical presence

North/Latin America

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



Company

Aduno

Website

www.aduno.ch

Geographical presence

Europe

Payment methods Credit cards



Debit cards



Pre-paid cards

≈

Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline

≈

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PSP BUYER‘S GUIDE 2010

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Adyen is the most innovative and experienced PSP currently on the market. Adyen combines highly sophisticated, fully customisable hosted payment pages, unprecedented reporting capabilities with transparent and no-frills pricing. In combination with Adyen's conversion management software merchants are capable to vastly improve conversion rates at lowest cost per conversion.

Company

Adyen.com

Website

www.adyen.com

Keywords

Innovation, conversion, transparent pricing, multichannel, global, experience, independent, flexible



Sander Maertens, VP, [email protected]; Tel. +31202401240

Geographical presence

Global, specifically strong in Americas and Europe

Market segment(s)

Retail, travel, digital content, gaming, gambling, ticketing, social networks

Active since (year)

In payments business since 1997, current platform operational since 2006

Payment methods Credit cards

Visa, MasterCard, Amex, JCB, Diners, Discover, UATP, AirPlus, co-branded

Debit cards

(e)Maestro, Visa electron, MrCash, Dankort, Laser, Solo, Delta, Carte Bleue, CartaSi

Pre-paid cards

Wallie-card, PaySafeCard, PostePay, Cash ticket, Ukash, local (national) brands

Online banking

iDEAL, sofortüberweisung, DIRECT ebanking, Nordea, all Scandinavian & Polish banking methods

E-wallet

Paypal, MoneyBookers, Hyves Afrekenen

Mobile/SMS/IVR

Global coverage

Alternative payment methods

Internet+; open invoice (post-payment); electronic invoicing / pay by e-mail

Offline

Bank transfers in over 30 countries; a selection of local voucher payment methods

Connected companies (#)

#10+ Acquirers and capable of working with 3rd party providers of (risk & loyalty) solutions

Companies PSP is connected to

Acquirers, fraud services, logistic partners, credit management services, e-commerce platforms

Services Unique Selling Points

Increased conversion through simple payment experience; increased shopping cart value through extended functionality of payment pages; more insight and control through statistical insight into payments; transparent, real-time interchange+ pricing; new features in biweekly releases

Core services

Multi-channel payment platform, fraud management, payment advise, reconciliation, reporting

Pricing

All-in pricing matrix, maximum transaction price of EUR 0,10; no set up or maintenance costs. Get a price quote online at calculate.adyen.com

Collecting payments

Yes, Adyen is operating a full service model, being capable to reconcile all payment methods

Distributing payments



Fraud prevention (measures)

Flexible and state-of-the-art risk module, including consistency and velocity checks, referral lists. All fully configurable and extendable. Adyen is capable of enriching risk module with payment behavior.

Credit management (services)

Yes, via third party, but fully integrated

Other services

Fully customisable payment pages; recurring and one click payments; global e-invoicing; native mobile payment pages; a fully mobile accessible back-environment; MOTO (call center); pay out

Third Parties

Everything is developed and managed in-house

Technology Direct connections

Yes, when merchant is PCI compliant

Batch processing



Per transaction processing



Merchant pages (direct model)



PSP pages (indirect model)

Yes, these pages are fully customisable and Adyen s one-page payments.

Interfaces

Web services, SOAP, XML, HTTP, CSV, RSS, iPhone

Security

HTTPS, SSL+, Basic Authentication, HMAC

PSP BUYER‘S GUIDE 2010

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Company

AIB Merchant Services

Website

www.aibms.com/index.php

Geographical presence

North/Latin America, Europe, Middle East/Africa, Asia/Pacific

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



Company

AirPlus International

Website

www.airplus.com/world/en/

Geographical presence

North/Latin America, Europe, Middle East/Africa, Asia/Pacific

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



Company

Alipay

Website

www.alipay.com/

Geographical presence

North/Latin America, Asia/Pacific , Europe

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



PSP BUYER‘S GUIDE 2010

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Company

Alliance Data Systems

Website

www.alliancedata.com/

Geographical presence

North/Latin America

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline

≈

Company

Allo

Website

www.allo.com/us

Geographical presence

North/Latin America, Europe, Asia/Pacific

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



Company

Amazon Flexible Payments

Website

aws.amazon.com/fps/

Geographical presence

North/Latin America

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



PSP BUYER‘S GUIDE 2010

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AvantGard Payments offers a unique payments suite for streamlining payments processing helping to improve routing and connectivity; reduce costs; increase security; and improve the management of payment information. The solution suite includes: a corporate transaction banking platform, SEPA converter, check printing software and service, and electronic payment services for check-to-ach and check-to-card migration.

Company

AvantGard Payments

Website

www.sungard.com/avantgard

Keywords

Electronic payment systems, check writing software, ACH processing services, ACH payments, payment factory, payment factories, SEPA, corporate transaction banking



Jamie Serino; Director, Market Insights; [email protected]; 973-463-5722

Geographical presence

North/Latin America, Europe, Middle East/Africa, Asia/Pacific

Market segment(s)

Global 2000 corporations with additional focus on the mid-sized corporation ranging in size from as small as $50M to $1B. Across most primary industry types.

Active since (year)

1999

Payment methods Alternative payment methods

ACH, virtual card, EFT, Wire, SWIFT, Check Printing

Connected companies (#)

SunGard has > 350 payers and >75,000 vendors enrolled in its Global Vendor Directory.

Services Unique Selling Points

AvantGard Payments (Trax) is a corporate transaction banking solution with a strong focus on security, bank and back-office connectivity and compliance (e.g. SEPA), best practice workflows, and business processing. It s all types of payments, including high value/time critical payments and domestic low value payments. Payments may be imported from many different sources and processed through a workflow which includes business functionality such as validations and approval. Easily integrated with existing ERPs as well as other back-office applications. Shields these systems from changes in the payments world and other corporate-to-bank processes. AvantGard PayNetExchange is an electronic payment solution providing several unique benefits, including: bank neutrality, monthly rebate on card transactions, single Use Virtual Card Technology, single platform for all payment types, multi-format remittance delivery, ―Global Vendor Directory‖ enables AvantGard PayNetExchange participants to send and receive payments electronically.

Core services

Payment Factory/Corporate Transaction Banking, SEPA Converter, SEPA Direct Debits, Check to ACH Migration, Check to Card Migration, Check Printing Services, Check Printing Software, ACH Processing, Wire Processing , Branded Presentment

Pricing

License/ASP/Hosted/Managed Service/Per Transaction

Collecting payments



Distributing payments



Fraud prevention (measures)

AvantGard Payments (Trax) provides centralised payment processing with clear audit trails of all actions taken on payments. A comprehensive permissions model requires the release of payments to be approved according to pre-assigned rules. for digital g of payments sent to the bank as well as the sealing of payments data to prevent content hacking is also available. AvantGard PayNetExchange does several validation checks on an inbound payment file. Enrolling Global Vendor Directory participants are required to fill out documentation and attach proof of existence of a bank . Validation checks are also done on bank s and routing no‘s.

Fraud prevention partners

IdenTrust and SWIFT PDI personal digital signature solutions.

Other services

AvantGard offers corporations several options when it comes to connecting to the SWIFT Network, including: direct connectivity, connectivity through the SunGard Service Bureau as a stand-alone entity, and through the Service Bureau whereby SunGard acts as the of the SWIFT . SunGard is a SWIFT certified global partner and AvantGard Payments has two SWIFTReady Application labels for 2010: Corporates – Treasury & Corporates – Cash Management.

Third Parties

Comdata, SWIFT

Technology Direct connections



Batch processing



Per transaction processing



Interfaces

XML

Security

HTTPS, SSL+, PKI

PSP BUYER‘S GUIDE 2010

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Company

American Express

Website

home.americanexpress.com/home/mt_personal.shtml

Geographical presence

North/Latin America, Europe, Asia/Pacific

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



Company

Arvato

Website

www.arvatodigitalservices.com

Geographical presence

North/Latin America, Europe, Asia/Pacific

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



Company

AsiaPay

Website

www.asiapay.com

Geographical presence

Asia/Pacific

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



PSP BUYER‘S GUIDE 2010

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Company

Atos Worldline

Website

sips.atosworldline.com

Geographical presence

Asia/Pacific, Europe, Middle East/Africa, North/Latin America

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



Company

Avangate

Website

www.avangate.com/online-payment-solutions

Geographical presence

Europe, North/Latin America

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



Company

B+S Card Service

Website

www.bs-card-service.com/en/

Geographical presence

Europe

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline

≈

PSP BUYER‘S GUIDE 2010

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Company

Bank Associates Merchant Services

Website

www.bams.com

Geographical presence

North/Latin America

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



Company

Banco Popular

Website

www.mypopularbanking.com

Geographical presence

North/Latin America

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



Company

Bank of America

Website

www.bankofamerica.com

Geographical presence

North/Latin America

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



PSP BUYER‘S GUIDE 2010

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Company

barclaycard ePDQ

Website

www.barclaycard.co.uk/business/

Geographical presence

North/Latin America, Europe, Middle East/Africa, Asia/Pacific

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



Company

beanstream

Website

www.beanstream.com/public/index.asp

Geographical presence

North/Latin America

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline

≈

Company

Bill Me Later

Website

www.billmelater.com/index.xhtml

Geographical presence

North/Latin America

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



PSP BUYER‘S GUIDE 2010

24

Company

Billeo

Website

www.billeo.com

Geographical presence

North/Latin America

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



Company

Billing Revolution

Website

www.billingrevolution.com

Geographical presence

North/Latin America

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



Company

BluePay

Website

www.bluepay.com

Geographical presence

North/Latin America

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



PSP BUYER‘S GUIDE 2010

25

PSP BUYER‘S GUIDE 2010

26

Company

BNL POSitivity

Website

www.bnlpositivity.it/en/prodotti/

Geographical presence

Europe

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



Company

BNP Paribas

Website

www.bnpparibas.com/en/home/

Geographical presence

North/Latin America, Europe, Middle East/Africa

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



Company

Buckaroo

Website

www.buckaroo.nl

Geographical presence

Europe

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



PSP BUYER‘S GUIDE 2010

27

Company

Camtech

Website

www.camtech.com.au

Geographical presence

Asia/Pacific

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



Company

Card Complete Service Bank

Website

www.cardcomplete.com/

Geographical presence

Europe

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



Company

CardinalCommerce

Website

www.cardinalcommerce.com

Geographical presence

North/Latin America, Europe

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



PSP BUYER‘S GUIDE 2010

28

Company

CartaSi

Website

www.cartasi.it/gtwpages/index.jsp

Geographical presence

Europe

Payment methods Credit cards



Debit cards

≈

Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



Company

Cashsense Inc

Website

www.cashsense.com

Geographical presence

Asia/Pacific , Europe

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



Company

CashSender

Website

www.cashsender.com

Geographical presence

North/Latin America, Europe

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



PSP BUYER‘S GUIDE 2010

29

Company

CCAvenue

Website

www.ccavenue.com

Geographical presence

Asia/Pacific

Payment methods Credit cards



Debit cards

≈

Pre-paid cards

≈

Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



Company

CCNow

Website

www.ccnow.co

Geographical presence

North/Latin America, Europe, Asia/Pacific

Payment methods Credit cards



Debit cards



Pre-paid cards

≈

Online banking



E-wallet

≈

Mobile/SMS/IVR



Alternative payment methods



Offline



Company

Ceridian SVS

Website

www.storedvalue.com

Geographical presence

North/Latin America, Europe, Middle East/Africa, Asia/Pacific

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



PSP BUYER‘S GUIDE 2010

30

Chase Paymentech is a global leader in payment processing and merchant acquiring and a specialist in customer-not-present (CNP) transactions. In 2009, Chase Paymentech processed more than 18.0 billion transactions with a value exceeding $409.7 billion, including an estimated half of all global e-commerce Visa and MasterCard transactions.

Company

Chase Paymentech

Website

www.chasepaymentech.eu

Keywords

Customer not present, customer not present processing, credit card processing, payment processing, CNP, recurring billing, e-commerce merchant , mail order



[email protected], Tel: +44.845.399.1120 (UK); +1.800.708.3740 (USA); +1.866.833.8182 (Canada)

Geographical presence

North America, Europe

Market segment(s)

Auction, e-Retailing (apparel, electronics, software), Travel, Events, Online gaming, digital s, social networking, other

Active since (year)

1985

Payment methods Credit cards



Debit cards



Pre-paid cards



Alternative payment methods

Bill Me Later, e-cheques, European Direct Debit, gift cards, PayPal, GreenDot, recurring payments

Connected companies (#)

Arvato finance services, CyberSource Corporation, DataCash, Delego, GlobalWare Solutions, Moneybookers, NetGiro, Ogone, Opsource, Paypoint, Retail Decisions (ReD), Sage Pay (Protx), SecureTrading, Transaction Network Services, Vindicia

Services Unique Selling Points

A global leader in payment processing and merchant acquiring, Chase Paymentech is focused on improving the payments industry. From influencing card associations on behalf of our merchants to developing award-winning technology, Chase Paymentech offers you the solutions you need to manage all of your payment processing needs. Chase Paymentech fuels the success of the Internet‘s largest brands and currently processes more than 50% of all global Visa and MasterCard e-commerce transactions. Since 1985, we have made it our business to lead the way in payment processing. We have been in operation in Europe for 15 years and have an excellent understanding of not only the European e-commerce landscape but also of the global market.

Core services

Global Payment Processing: detailed reporting and reconciliation; present in more than 130 currencies and settle in 12 major currencies; fast access to funds. Comprehensive Reporting and Data Access: multilevel security, manuals, technical documents and more; financial reports – daily, weekly and monthly; delimited file reporting that can integrate with your chosen ERP system; chargeback reports; transaction history; electronic and web reporting; 24/7 availability. Customer Service: dedicated manager, merchant services call centre, 24/7 web and IVR availability, 24/7 operations , chargeback analyst, training specialist, technical consulting

Pricing

For current pricing, please the company at [email protected]

Collecting payments



Distributing payments



Fraud prevention (measures)

Address verification, VISA CVV2 and MasterCard CVC2, Verified by VISA, MasterCard SecureCode

Fraud prevention partners

Kount: Chase Paymentech‘s expertise and fault tolerant infrastructure, paired with Kount‘s advanced fraud prevention technology, introduces a new class of fraud management tools that will significantly improve the reliability and security of card-not-present transactions.

Other services

Orbital Payment Gateway: Secure internet processing; browser-based virtual; 24/7 application ; software development; online authorization; auto-close of daily; wide range of payment; customer profile management/tokenisation. Authorisation Recycling: maximum approval rates; automatic resubmission of transactions; 20-30% recovery of declines; customised merchant parameters; effective reporting and output. Risk Management Services: monitors unmatched refunds to sales; tracks VIS and MasterCard monitoring thresholds; monitors daily patterns; monitors charge backs to sales; merchant shopping program; online chargeback management. Purchase Card Acceptance: Visa and MasterCard; level I, II, III fields; full data between buyer and seller; business demand; paper reduction; BIN ranges available weekly. Recurring Payment : card update service; MasterCard SIIP program; recurring payment indicators; multiple payment methods. Spectrum SDK: simplifies direct integration; manages connections; eases upgrades with templates

PSP BUYER‘S GUIDE 2010

31

PSP BUYER‘S GUIDE 2010

32

Company

Chase Paymentech - continued

Technology Direct connections ed?

Both direct and indirect connections ed

Batch processing



Per transaction processing



Merchant pages (direct model)



PSP pages (indirect model)



Interfaces

HTTPS, VPN, MPLS, Web Services, SOAP, XML (specifications available upon request)

Security

HTTPS, SSL, SSL+, PKI

Chess’s PURE Payment platform is the combination of PSP payments and Cashless terminal transactions. Focus on cost reduction and integration. PURE ROUTER, the intelligent business rule driven payment module for Online payments. PURE VAS, virtual system for wallet, loyalty and cashless transactions.

Company

Chess

Website

www.chess.nl

Keywords

Online payments, virtual system, less, cashless, terminals, business rules



Mr Ward Hagenaar, New Business Manager, [email protected], +31(0)23 5149 149

Geographical presence

Europe

Market segment(s)

E-business, Finance. Verticals : Ticketing, Sport and Events, Mobility & Travel, Retail, Communities

Active since (year)

2000

Payment methods Credit cards

All major international brands

Debit cards

Soon eMaestro

Pre-paid cards

Any pre-paid or stored value solution

Online banking

iDEAL, Giropay, other

E-wallet

PayPal, MiniTix, Hyves Betalen, Pure VAS, other

Mobile/SMS/IVR

Rabo SMS Betalen, Pure VAS, other

Alternative payment methods

Community payments and virtual currency solutions; Internal Virtual System (Wallet); Person 2 Person (internet and mobile); Post-paid; Loyalty schemes and private label cards; Vouchers (system has a service to issue & accept vouchers as a (partial) payment); Micropayments

Offline

Direct debit, bank transfer within EU

Services Core services

Direct payment processing, fully automated clearing & settlement information, back-office integration, customisation.

Pricing

Several models available: license fee or transaction based fee

Fraud prevention (measures)

Blacklist, business rules and external services

Credit management (services)

Clearing and settlement via a Virtual System

Other services

Full customized integration, proprietary payment solutions

Third Parties

Acquiring core contracting and reporting systems, gift card processors

Technology Direct connections?



Batch processing?



Per order processing?



PSP BUYER‘S GUIDE 2010

33

Issue any volume of multi-currency payments by cheque or electronic transfer to ists, s and prize winners around the world. Chexx Inc. cheques and electronic payments are easy for you to order and easy for beneficiaries to clear. us today to set up your Chexx Inc. for free.

Company

Chexx Inc.

Website

www.chexxinc.com



Mr. Brendan Mahar, Business Development Manager; [email protected]; +1 604 688 0366

Geographical presence

North/Latin America, Europe, Middle East/Africa, Asia/Pacific

Market segment(s)

Market Research, Clinical Trials, Marketing, Reverse Logistics

Payment methods Credit cards



Debit cards



Pre-paid cards

Virtual Visa, plastic MasterCard

Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods

Issue cheques, electronic payments and prepaid cards

Offline

Cheques and prepaid cards

Services Fraud prevention

Positive Pay

Credit management



Additional services

Cheque and Insert printing, stuffing, mailing

Technology Direct connections ed?



Batch processing?



Per order processing?



Company

China UnionPay

Website

en.chinaunionpay.com

Geographical presence

North/Latin America, Europe, Middle East/Africa, Asia/Pacific

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



PSP BUYER‘S GUIDE 2010

34

Company

ChinaPay

Website

www.chinapay.com

Geographical presence

Asia/Pacific

Payment methods Credit cards



Debit cards



Pre-paid cards

≈

Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



Company

Chronopay

Website

www.chronopay.com

Geographical presence

North/Latin America, Europe, Middle East/Africa, Asia/Pacific

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



Company

Cielo

Website

www.cielo.com.br/portal/main-page.html

Geographical presence

North/Latin America

Payment methods Credit cards



Debit cards



Pre-paid cards

≈

Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



PSP BUYER‘S GUIDE 2010

35

Company

Clear2Pay

Website

www.clear2pay.com

Geographical presence

North/Latin America, Europe, Middle East/Africa, Asia/Pacific

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR

≈

Alternative payment methods



Offline



Company

ClearCommerce (FIS Global)

Website

www.fisglobal.com/index.htm

Geographical presence

North/Latin America, Europe, Middle East/Africa, Asia/Pacific

Payment methods Credit cards



Debit cards



Pre-paid cards

≈

Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



Company

ClickandBuy International Limited

Website

www.clickandbuy.com

Geographical presence

Europe, North/Latin America

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



PSP BUYER‘S GUIDE 2010

36

Company

CNG Processing

Website

www.cngpro.com

Geographical presence

Europe

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



Company

CollectivePOS

Website

www.collectivepos.com

Geographical presence

North/Latin America

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



Company

Computop

Website

www.computop.de/startseite.html?&no_cache=1&L=1

Geographical presence

Europe

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



PSP BUYER‘S GUIDE 2010

37

Company

ConCardis

Website

www.concardis.com/

Geographical presence

Europe

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



Counting House is a full service PSP offering cost-effective inbound and outbound payment solutions for online gaming companies worldwide: Send payment to winners and s by local cheque, electronic transfer, Visa OCT or virtual credit card. Accept payment by credit card, debit card, local electronic payment and local-currency cheque.

Company

Counting House Ltd.

Website

www.countinghouseltd.com



[email protected]

Geographical presence

Latin America, Europe, Middle East/Africa, Asia/Pacific

Market segment(s)

Gaming, Gambling, Other

Payment methods Credit cards

Visa, MasterCard

Debit cards

Visa Electron, CarteBleue, Maestro, Visa Debit, Dankort

Pre-paid cards

Prepaid Visa

Online banking

Facilitate acceptance of local electronic payments

E-wallet



Mobile/SMS/IVR



Alternative payment methods

Visa Credits - OCT Local Electronic Payment Methods

Offline

Cheque and postal money order processing, scanning solutions, bank transfer collection

Services Fraud prevention

Fraud risk scoring, merchant controlled flags, 3-D Secure, PCI compliant hosted solutions, tokenization

Credit management



Additional services



Technology Direct connections ed?



Batch processing?



Per order processing?

 PSP BUYER‘S GUIDE 2010

38

CQR’s payment platform helps you reach the widest possible audience by giving your customers a choice of over 90 of the world‘s most commonly used payment options. We helped bwin grow in 27 countries. Where do you want to go? You know your business; we know online payments. Let‘s talk.

Company

CQR Payment Solutions

Website

www.cqrpayments.com

Keywords

Payment, PSP, online, merchant , card, alternative payment, prepaid, conversion



[email protected]; +43 (0)1227 50 37000

Geographical presence

North/Latin America, Europe

Market segment(s)

Online retail (apparel, electronics, software), gaming, gambling, events, other

Active since (year)

2007

Payment methods Credit cards

Visa, MasterCard, AMEX, Diners, Kalibra, PostePay, Sanpaolo, Cartes Bancaires, BancomerMultipagos, DineroMail

Debit cards

Visa Electron, Maestro

Pre-paid cards

Paysafecard, Ukash, Kalixa, Voucher Deposit Italy, Wallie, Neosurf

Online banking

GiroPay, iDEAL, MisterCash, EPS (11), Sofortüberweisung, Direct ebanking, TatraPay, BancomerMultipagos, Sporopay, DineroMail, P24 (18 banks), Multibanco, ePay, Nordea, Paganet, Umb, Dp24, Ips, Onecard, Cashu, Moneta, Webtopay, Alipay, Abaqoos, POLi 2, eKonto, BankLink, Linea Abierta, Nettbank, EuTeller, BankAxess

E-wallet

ClickandBuy, Moneybookers, WebMoney, Neteller, PayPal, Kalixa, Click2Pay, HappyDigits, Abagoos, Moneta, eWire

Mobile/SMS/IVR

Paybox, T-Pay, MPlatba

Alternative payment methods

Western Union, InstaDebit, Boleto Bancario

Offline

Offline Bank Transfer, CobroExpress, Cobranza Integrada Galicia, TeleIngreso

Services Core services

Payment processing, card issuing, ewallet service, added value services; reconciliation and settlement, fraud prevention, verification and authentication, ing platform and reporting

Pricing

For further information please CQR at [email protected]

Fraud prevention (measures)

Fully automated risk scoring platform, incl. payment limit checks, payment origin checks, Anti Money Laundry (AML) checks, white and black list Payment Risk & Anti Money Laundry (AML) teams for advance transaction monitoring Risk assessment workshops

Credit management (services)



Other services

Technical gateway, Aggregation (merchant ), MOTO, Recurring transactions, Auto top up, KYC, 3D Secure

Third Parties

GB Group, Cellent, Decidir

Technology Direct connections?



Batch processing?



Per order processing?



PSP BUYER‘S GUIDE 2010

39

Company

CRE Secure

Website

www.cresecure.com

Geographical presence

North/Latin America

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



Company

Ctopay

Website

www.ctopay.hk

Geographical presence

North/Latin America, Europe, Middle East/Africa, Asia-Pacific

Payment methods Credit cards



Debit cards



Pre-paid cards

≈

Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



Company

Cubepay

Website

www.cubepay.com

Geographical presence

North/Latin America, Europe, Asia-Pacific

Payment methods Credit cards

≈

Debit cards

≈

Pre-paid cards

≈

Online banking

≈

E-wallet

≈

Mobile/SMS/IVR

≈

Alternative payment methods

≈

Offline



PSP BUYER‘S GUIDE 2010

40

Founded in 1994, CyberSource is a global payment management company, serving over 300,000 customers. We help to optimise your entire payment process—from payment acceptance, to fraud management and payment security—through a single connection. You can reach more customers, detect fraud more accurately and protect against payment data theft.

Company

CyberSource

Website

Corporate/Americas: www.cybersource.com; UK/EMEA: www.cybersource.co.uk; Asia Pacific: www.cybersource.asia; Japan: www.cybersource.co.jp

Keywords

e-commerce, online, payment, fraud, PCI, global, tokenisation



Rosie Leishman, Head of Marketing, [email protected], +44 (0)118 929 4855

Geographical presence

North/Latin America, Europe, Asia/Pacific, Middle East/Africa

Market segment(s)

Auction, Media, Retail (apparel, electronics, software), Travel, Gaming, Ticketing, Finance, Billers, Direct Response, Telecommunications etc.

Active since (year)

1994

Payment methods Credit cards

Visa, MasterCard, Amex, JCB, Diners

Debit cards

CartaSi, Carte Bleue, Dankort, Discover, Laser, Maestro, Solo, Visa Debit, Visa Electron, Chinese debit cards

Pre-paid cards

Visa or MasterCard branded

Online banking

Aktia, eCard, eNETS, eps Online-Überweisung , giropay, iDEAL, ING‘Homepay, Interac, Nordea, POLi, Sampo, sofortüberweisung (please CyberSource about coverage)

E-wallet

PayPal, PayEase (China)

Mobile/SMS/IVR

IVR (US and UK)

Alternative payment methods

PIN-less debit (US), eCheck/ACH (US), Bill Me Later (US)

Offline

Direct debit; bank transfer in most EMEA and APAC countries

Connected companies (#)

Over 40 connections around the world

Companies PSP is connected to

Please us for a full list of the acquirers and processors that we connect to worldwide

Services Unique Selling Points

Truly end-to-end: With CyberSource, you can optimise your business results and boost revenue through actively managing the entire payment process—from global payment acceptance, through to fraud management and enterprise payment security. One connection globally: You can reach more customers worldwide, offering the payment types that they prefer, whilst lowering your fraud—all by a single connection. Dedicated, in-house expertise: The company`s Professional and Managed Services consultants bring you their vast in-field expertise, as and when required—helping to optimise business operations.

Core services

Global payment processing, fraud management, payment security, centralisation

Pricing

Please your regional CyberSource office for more information about pricing

Collecting payments



Distributing payments



Fraud prevention (measures)

Our automated fraud management portal, Decision Manager, provides access to over 200 global tests and services - including device fingerprinting, IP geolocation, multi-merchant purchase history, global validation checks and Verified by Visa/MasterCard SecureCode. A case management system streamlines the review process, boosting order conversion. Can be managed by you or our Managed Services and Order Review teams.

Fraud prevention partners

192business, Accurint, ATTUS, CardinalCommerce, Quova, SAP, TARGUSinfo, Telcordia, ThreatMetrix, Visa

Credit management (services)



Other services

Enterprise payment security solution, including Tokenisation and Hosted Payment Acceptance; payment centralisation to consolidate payment management operations across organisations.

Third Parties

Multiple third-party fraud vendors; e-commerce platforms such as ATG, IBM, NetSuite and many more

PSP BUYER‘S GUIDE 2010

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PSP BUYER‘S GUIDE 2010

42

Company

CyberSource - continued

Technology Direct connections

Yes – the company s and maintains direct connections to multiple processors

Batch processing



Per transaction processing



Merchant pages (direct model)



PSP pages (indirect model)



Interfaces

ASP/COM, C, Java, .NET, Perl, PHP, Web Services (SOAP) and plug-ins for major commerce platforms

Security

HTTPS, SSL+, PKI

Company

CuentaDigital

Website

www.cuentadigital.com

Geographical presence

North/Latin America

Payment methods Credit cards

≈

Debit cards

≈

Pre-paid cards

≈

Online banking



E-wallet

≈

Mobile/SMS/IVR



Alternative payment methods



Offline



Company

Datacash

Website

www.datacash.com

Geographical presence

North/Latin America, Europe, Asia-Pacific

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



PSP BUYER‘S GUIDE 2010

43

Company

Datatrans

Website

www.datatrans.ch

Geographical presence

North America, Europe, Asia

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



Company

Deutsche Card Services

Website

www.deutsche-card-services.com

Geographical presence

Europe

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking

≈

E-wallet

≈

Mobile/SMS/IVR



Alternative payment methods



Offline



Company

Dexia

Website

www.dexia.com

Geographical presence

Europe

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet

≈

Mobile/SMS/IVR

≈

Alternative payment methods



Offline



PSP BUYER‘S GUIDE 2010

44

Company

DIBS

Website

www.dibspayment.com

Geographical presence

Europe

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods

≈

Offline



Company

Direct Payment Solutions

Website

www.paymentexpress.com

Geographical presence

North/Latin America, Asia/Pacific, Middle East/Africa

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



Company

DirectOne

Website

www.directone.com.au

Geographical presence

Asia/Pacific

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods

≈

Offline



PSP BUYER‘S GUIDE 2010

45

PSP BUYER‘S GUIDE 2010

46

Docdata Payments, offers five services that together provide a complete service offering for the financial part of the order-to-cash process: Docdata payment service, Docdata response handling, Docdata hip and recurring payment service, Docdata credit management service and Docdata cash disbursement service.

Company

Docdata Payments

Website

www.docdatapayments.com

Keywords

E-commerce, online payments, credit cards, recurring payments



Mr. R. van Dee, Sales Manager; e-mail: [email protected], tel: +31 (0)343530040

Geographical presence

Europe

Market segment(s)

e-Retail, Ticketing, Media, Digital Services, leisure, telecommunications, skill gaming

Active since (year)

1999

Payment methods Credit cards

Visa, Mastercard, American Express, Carte Bleue

Debit cards

Maestro, Visa Electron

Pre-paid cards

WallieCard

Online banking

iDeal, Ban/Mr. Cash, GiroPay, Sofortuberweisung, DirecteBanking, KBC Betaalknop, ING HomePay, Dexia Netbanking

E-wallet

PayPal, Minitix

Mobile/SMS/IVR

SMS + Call in many European Countries

Offline

Printed invoice, Local bank transfers in most European Countries and USA, Mr Pay Online (cash at one of the offices), Acceptgiro

Connected companies (#)

EMS card, Atos Worldline, Euroline

Companies PSP is connected to

Heineken, Hewlett Packard, DHL, Golden Tulip, Telegraaf Media Group, Bijenkorf, V&D, SMS City

Services Unique Selling Points

One connection to the docdata payment service gives access to over 60 different payment methods and 140 different currencies; Collection and reconciliation: each individual payment is matched to its original merchant order number, for all payment methods, currencies and channels; Fraud risk management module: helps merchants to reduce the risk of potentially fraudulent transactions; Multisales channel: Docdata Payments processes payments for e-commerce, MOTO.

Core services

Processing online payments, collection and reconciliation

Pricing

For our current pricing, please our sales department, [email protected]

Distributing payments

≈

Fraud prevention (measures)

Optional fraud risk management tool that checks each individual transaction against a set of security parameters: black lists, velocity & pattern checks, payment history of a card or bank no, etc.

Fraud prevention partners

German Post, InfoScore

Credit management (services)

Open invoicing is ed (printed invoice, Acceptgiro) for merchants that post paid payment options; reminders.

Other services

Docdata provides a total e-commerce solution, including: design, development and management of (international) e-commerce shops, including hosting and marketing, worldwide fulfillment (order picking, shipment, return handling), donation and response handling, CD/DVD replication for the media, entertainment and information sector.

Technology Direct connections



Batch processing



Per transaction processing



Merchant pages (direct model)



PSP pages (indirect model)



Interfaces

Web services, XML

Security

HTTPS, PKI

PSP BUYER‘S GUIDE 2010

47

PSP BUYER‘S GUIDE 2010

48

Company

Discover Network

Website

www.discovernetwork.com

Geographical presence

North/Latin America

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking

≈

E-wallet



Mobile/SMS/IVR



Alternative payment methods

≈

Offline



Company

Documetric

Website

www.documetric.com

Geographical presence

Europe

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



Company

Dotpay

Website

www.dotpay.pl

Geographical presence

Europe

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



PSP BUYER‘S GUIDE 2010

49

Company

Dragonfish

Website

www.dragonfishtech.com

Geographical presence

North/Latin America, Europe, Middle East/Africa, Asia/Pacific

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



Company

Dragonpay Corporation

Website

www.dragonpay.ph

Geographical presence

Asia/Pacific

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



Company

Earthport

Website

www.earthport.com

Geographical presence

Asia/Pacific , Europe, Middle East/Africa, North/Latin America

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



PSP BUYER‘S GUIDE 2010

50

Company

eBillme

Website

www.ebillme.com

Geographical presence

North/Latin America

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



Company

EBS

Website

www.ebs.in

Geographical presence

Asia/Pacific

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR

≈

Alternative payment methods



Offline



Company

ecapay

Website

www.ecapay.net

Geographical presence

Asia/Pacific

Payment methods Credit cards

≈

Debit cards



Pre-paid cards



Online banking



E-wallet

≈

Mobile/SMS/IVR



Alternative payment methods

≈

Offline

≈

PSP BUYER‘S GUIDE 2010

51

Company

eCard

Website

www.ecard.pl

Geographical presence

Europe

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking

≈

E-wallet

≈

Mobile/SMS/IVR



Alternative payment methods

≈

Offline

≈

Company

ECHO

Website

www.echo-inc.com

Geographical presence

North/Latin America

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking

≈

E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline

≈

Company

Elavon

Website

www.elavon.com

Geographical presence

North/Latin America, Europe

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet

≈

Mobile/SMS/IVR

≈

Alternative payment methods



Offline



PSP BUYER‘S GUIDE 2010

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Company

Electronic Payment Systems

Website

www.eps-na.com

Geographical presence

North/Latin America

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet

≈

Mobile/SMS/IVR



Alternative payment methods



Offline



Company

eNETS

Website

www.enets.com

Geographical presence

Asia/Pacific

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet

≈

Mobile/SMS/IVR



Alternative payment methods



Offline

≈

Company

Envoy Services

Website

www.envoyservices.com

Geographical presence

North/Latin America, Europe, Middle East/Africa, Asia/Pacific

Payment methods Credit cards



Debit cards



Pre-paid cards

≈

Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



PSP BUYER‘S GUIDE 2010

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Company

EOS Payment Solutions

Website

www.eos-payment.com

Geographical presence

North/Latin America, Europe, Middle East/Africa, Asia/Pacific

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



Company

epay

Website

www.epayworldwide.com

Geographical presence

North/Latin America, Europe, Asia/Pacific

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



Company

eProcessing Network

Website

www.eprocessingnetwork.com

Geographical presence

North/Latin America

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



PSP BUYER‘S GUIDE 2010

54

Company

Equens

Website

www.equens.com/index.jsp

Geographical presence

Europe

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



Company

eTranzact

Website

www.etranzact.com

Geographical presence

North/Latin America, Europe, Middle East/Africa

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods

≈

Offline



Company

EuroCommerce

Website

www.eurocommerce.ie

Geographical presence

North/Latin America, Europe, Middle East/Africa, Asia/Pacific

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



PSP BUYER‘S GUIDE 2010

55

Company

Euroline

Website

www.euroline.se

Geographical presence

North/Latin America, Europe, Middle East/Africa, Asia/Pacific

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking

≈

E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



Company

European Merchant Services B.V.

Website

www.emscard.com

Geographical presence

Europe

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



Company

eWay

Website

www.eway.com.au

Geographical presence

Asia/Pacific

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



PSP BUYER‘S GUIDE 2010

56

Company

E-xact Transactions

Website

www.e-xact.com

Geographical presence

North/Latin America

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



Certo Payment Gateway is integrated into multiple local and international payment brands, banks, MSPs, alternative payments, shopping carts, order systems, 3-D Secure, advanced fraud scrubbing. Merchants and MSPs can now enjoy a true one stop integration platform to access all integrated options free of any set-up fees and monthly fees.

Company

Failsafe Payments

Website

www.failsafepayments.com



International Sales Team, [email protected]

Geographical presence

North America, Europe, Middle East/Africa, Asia/Pacific

Market segment(s)

Retail, Adult, Gaming, Low Risk, High-Risk, POS, MOTO

Payment methods Credit cards

VISA, MasterCard, American Express, Diners, JCB Discover, Dancard, Eurocard, Carte Bleue

Debit cards

Chinese Debit Cards, Korean Debit Cards, VISA Electron, Maestro, Delta, Laser, Solo, EC

Pre-paid cards

Ukash, Snapcard, Todito Cash and several others

Online banking



E-wallet

PayPal, Moneybookers and more being implemented 2010/2011

Mobile/SMS/IVR

BOKU, Fortumo, Google Mobile, Billing Revolution, txtNation, AOneBill, Global , ByPhone and more being implemented 2010/2011

Alternative payment methods

ACH, eCheck21, Google Checkout, POLi, iDeal, GiroPay, Przelewy24, Sofortuberweisung, EuroDebit and many more implemented during 2010/2011

Offline

Worldwide bank transfers through multiple systems

Services Fraud prevention



Credit management



Additional services



Technology Direct connections?



Batch processing?



Per order processing?



PSP BUYER‘S GUIDE 2010

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Company

eWise

Website

www.ewise.com/corporate/index.html

Geographical presence

North/Latin America, Europe, Asia/Pacific

Payment methods Credit cards

≈

Debit cards

≈

Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



Company

Fifth Third Bank

Website

www.53.com

Geographical presence

North/Latin America

Payment methods Credit cards



Debit cards



Pre-paid cards

≈

Online banking



E-wallet



Mobile/SMS/IVR

≈

Alternative payment methods



Offline



Company

First Data

Website

www.firstdata.com/en_us/home

Geographical presence

North/Latin America, Europe, Middle East/Africa, Asia/Pacific

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet

≈

Mobile/SMS/IVR



Alternative payment methods



Offline



PSP BUYER‘S GUIDE 2010

58

First Atlantic Commerce (FAC) is a secure, PCI certified payment gateway that offers custom, online payment and risk management solutions to merchants and banks. FAC provides merchants with online credit card processing, global check issuing services, EFT and Ukash, as well as fraud management services including AVS, CVV2/CVC2/CID verification, and 3-D SecureTM -- all through a single, secure interface.

Company

First Atlantic Commerce

Website

www.firstatlanticcommerce.com

Keywords

Payment gateway, online payment solutions, merchant s, international credit card processing, online card payment, merchant international, credit card gateway, online payment systems



Tricia Lines Hill, VP Marketing & Corp. Communications, Tel: 441.294.4625. Email: [email protected]

Geographical presence

Latin America Caribbean Region, Europe, Asia/Pacific

Market segment(s)

Retail, Travel (Airlines, Hotels, Car Rentals), Ticket & Event Management, Prepaid Phone & VoIP, Digital Content, Internet & Technology (ISPs, Web Hosting), Gaming

Active since (year)

1998

Payment methods Credit cards

Visa, MasterCard, Amex

Debit cards



Pre-paid cards



Online banking

Yes, solution dependent

E-wallet

PayPal Europe

Mobile/SMS/IVR



Alternative payment methods

Ukash, Electronic Funds Transfer (EFT), inbound bank transfers (Giro), multi currency cheques

Offline



Services Unique Selling Points

Custom, offshore acquiring solutions, credit card processing and alternative payment methods via one interface

Core services

Online credit card processing

Pricing

Tiered, according to volumes

Fraud prevention (measures)

Address Verification, Card Verification (CVV2/CVC2/CID), 3-D Secure ™, Cardholder Confirmation, Collaborative Fraud Management

Credit management (services)



Other services



Third Parties

Ethoca for collaborative fraud management

Technology Direct connections?



Batch processing?



Per order processing?



PSP BUYER‘S GUIDE 2010

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Company

First National Bank Omaha

Website

www.firstnational.com

Geographical presence

North/Latin America

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



Company

First National Merchant Solutions

Website

www.firstnationalmerchants.com

Geographical presence

North/Latin America

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking

≈

E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



Company

Fortis Bank Nederland

Website

www.fortisbank.nl

Geographical presence

Europe

Payment methods Credit cards



Debit cards

≈

Pre-paid cards

≈

Online banking



E-wallet



Mobile/SMS/IVR

≈

Alternative payment methods



Offline



PSP BUYER‘S GUIDE 2010

60

GlobalCollect is the world's premier Payment Service Provider of local e-payment solutions for international Customer Not-Present channels such as internet, mail, and telephone orders. Through a single-interface online payment platform, we offer access to an unrivalled portfolio of local and international payment methods in over 200 countries and for 170 currencies.

Company

GlobalCollect

Website

www.globalcollect.com

Keywords

Payment Service Provider, local + alternative e-payment solutions, online payments



www.globalcollect.com/payment-service-provider/merchant-form/, [email protected]

Geographical presence

North/Latin America, Europe, Middle East/Africa, Asia/Pacific

Market segment(s)

Travel, Retail, Gaming, Software, Music, Publishing, Streaming Media, Social Networking, Ticketing, Direct Selling, Telecommunications / Online Portals and more.

Active since (year)

1994

Payment methods Credit cards

Visa, MasterCard, American Express, Diners Club International, Discover, Maestro International, and JCB

Debit cards

Maestro (United Kingdom), Solo (United Kingdom), Laser (Ireland), Carte Bleue (), Dankort (Denmark) and Discover (United States), as well as over 40 local Chinese debit cards

Pre-paid cards

Wallie, Ukash and Paysafecard

Online banking

Real-time bank transfers: Sofortueberweisung/DirectPay24 and Giropay in , iDEAL in the Netherlands, Nordea Solo in Sweden, Finland, and Denmark, ING HomePay in Belgium, eCard in Poland and eNETS in Singapore. In the near future, GlobalCollect will also Danske Bank Netbetaling in Denmark, Aktia and Sampo in Finland, Interac Online in Canada, POLi in Australia and Secure Vault Payment in the United States

E-wallet

PayPal, WebMoney, cashU, Alipay, and Moneybookers

Mobile/SMS/IVR



Alternative payment methods

Direct debits in Australia, Austria, Belgium, Canada, , , Italy, the Netherlands, Spain, Switzerland, the United Kingdom and soon the United States; Bank transfers (Local Wire Transfer) and bill payments in over 66 countries

Offline

Cash and bill payments worldwide through Western Union network, Chinese post offices, Boleto Bancário in Brazil, Pago Fácil in Argentina, Barcode Santander in Chile, Konbini (convenience store payments) and Pay-easy in Japan; checks in 35+ local currencies; lockbox solutions in five regions; Invoicing in 200+ countries

Services Unique Selling Points

GlobalCollect can help your company increase its international market share significantly by enabling you to provide customers with the ability to pay with their preferred payment method and in a local currency

Core services

Online payments processing; Process transactions in 28 languages; Fraud screening; Full service provider facilitating all back office processes (from payment matching/reconciliation to refund processing and charge backs); Multi-currency fund remittance.

Pricing

Upon request on a customized basis

Fraud prevention (measures)

Scalable Fraud Screening Service featuring a range of integrated fraud reduction tools to maximize transaction safety prior to authorization, incl. blacklists, velocity checking, BIN range validation, IP Geolocation, validation, credit card checks.

Credit management (services)



Other services

Full-serve-provider, currency conversion, consumer , single-interface connection to our payment platform.

Third Parties



Technology Direct connections ed?



Batch processing?



Per order processing?



PSP BUYER‘S GUIDE 2010

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Company

giropay GmbH

Website

www.giropay.de

Geographical presence

Europe

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



Company

Global Payments

Website

www.globalpaymentsinc.com

Geographical presence

North/Latin America, Europe, Middle East/Africa, Asia/Pacific

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking

≈

E-wallet



Mobile/SMS/IVR



Alternative payment methods

≈

Offline



Company

Glue Pay

Website

www.gluepay.com

Geographical presence

Europe

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



PSP BUYER‘S GUIDE 2010

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Company

Google Checkout

Website

www.checkout.google.com

Geographical presence

North/Latin America, Europe, Middle East/Africa, Asia/Pacific

Payment methods Credit cards



Debit cards



Pre-paid cards

≈

Online banking



E-wallet

≈

Mobile/SMS/IVR



Alternative payment methods



Offline



Company

GSI Commerce

Website

www.gsicommerce.com

Geographical presence

North/Latin America, Europe

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet

≈

Mobile/SMS/IVR



Alternative payment methods



Offline



Company

GVC - Consultancy for Financial Access

Website

www.gvc-consultancy.com

Geographical presence

Europe, Middle East/Africa

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



PSP BUYER‘S GUIDE 2010

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Company

Heartland Payment Systems

Website

www.heartlandpaymentsystems.com

Geographical presence

North/Latin America

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet

≈

Mobile/SMS/IVR



Alternative payment methods



Offline



Company

Heidelpay

Website

www.heidelpay.de

Geographical presence

Europe

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



Company

Home ATM

Website

www.homeatm.net

Geographical presence

Asia/Pacific, North/Latin America

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking

≈

E-wallet

≈

Mobile/SMS/IVR



Alternative payment methods



Offline



PSP BUYER‘S GUIDE 2010

64

PSP BUYER‘S GUIDE 2010

65

hyperWALLET delivers secure, global-grade payment technologies to organizations that require a simplified way to access or leverage the global financial network. Since 2000 the company has become a leading provider of online and mobile payment, international payments, card products and financial technology solutions to enterprise-level customers in Canada, the U.S. and internationally.

Company

hyperWALLET

Website

www.hyperwallet.com

Keywords

payment, settlement, global, online, mobile, banking, processing, currency



Mr. Chris Silverson, Vice President – Sales, 604-482-0090, [email protected]

Geographical presence

North America/Latin America, Europe, Middle East, Africa, Asia-Pacific

Market segment(s)

Financial services, business, government, online, mobile, prepaid card & cash-based markets.

Active since (year)

2000

Payment methods Credit cards

for Credit Card gateways – VISA, MC, Amex

Debit cards



Pre-paid cards

Brandable prepaid cards

Online banking

Global bank transfers to 40 countries worldwide, Cosy-effective, cross-border payment distribution & remittances

E-wallet

Brandable stored value s, multi-currency payment processing, multi-lingual interfaces, 3rd party payment connectors (PayPal, MPESA, SMART)

Mobile/SMS/IVR

TransferTo (Send airtime credit top-ups to mobile phones in 25 countries worldwide) 2-way SMS, WAP, iPhone + Smartphone Apps for mobile banking IVR for customer service, telephone banking capabilities

Alternative payment methods

Micropayments

Offline

Western Union® Quick Cash® (cash pickups)

Services Unique Selling Points

Cost effective, global payment distribution alternative to cheques, money orders and wire transfers Low-cost global ACH, mobile airtime and cash pickup settlement networks Electronic payment processing & international remittances in 20+ currencies Brandable payment services and web & mobile payment applications in 10+ languages for online, mobile, WAP, SMS, iPhone apps & prepaid card channels

Core services

P2P, B2P, P2B, G2P payments Online, Mobile & Global payment distribution Transaction processing & Settlement International payments & remittances

Pricing

Transaction-based Licensing-based ASP / SaaS Hosted Model

Fraud prevention (measures)

Risk Management, KYC identity & bank verifications, IP address geotracking, AML Lists (OSFI, OFAC, UNS), FINTRAC Reporting, Transaction limits & monitoring, customer due diligence, network intrusion detection

Credit management (services)



Other services

Custom software development, systems monitoring, maintenance management, customer , transaction settlement services

Third Parties

PayPal, MPESA, SMART Money

Technology Direct connections?



Batch processing?



Per order processing?

 PSP BUYER‘S GUIDE 2010

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Company

IndiaPay

Website

www.indiapay.com

Geographical presence

Asia/Pacific

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



Company

ING

Website

www.ingcommercialbanking.com

Geographical presence

Europe

Payment methods Credit cards



Debit cards



Pre-paid cards

≈

Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



Company

Ingenico

Website

www.ingenico.com

Geographical presence

North America/Latin America, Europe, Middle East, Africa, Asia-Pacific

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet

≈

Mobile/SMS/IVR

≈

Alternative payment methods



Offline



PSP BUYER‘S GUIDE 2010

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Company

Innovate Payments

Website

www.innovatepayments.com

Geographical presence

Europe, Middle East/Africa

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



Company

Interac

Website

www.interac.ca

Geographical presence

North/Latin America

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR

≈

Alternative payment methods



Offline



Company

Internet Secure

Website

www.internetsecure.com

Geographical presence

North/Latin America

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR

≈

Alternative payment methods



Offline

≈

PSP BUYER‘S GUIDE 2010

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Company

iPay88

Website

www.ipay88.com

Geographical presence

Asia-Pacific

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline

≈

Company

IPS

Website

www.ipspay.net

Geographical presence

North/Latin America, Europe, Middle East/Africa, Asia/Pacific

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet

≈

Mobile/SMS/IVR



Alternative payment methods

≈

Offline

≈

Company

ISD Financial

Website

www.isdfinancial.com

Geographical presence

North/Latin America

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet

≈

Mobile/SMS/IVR



Alternative payment methods



Offline



PSP BUYER‘S GUIDE 2010

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Company

Ixaris Systems

Website

www.ixaris.com

Geographical presence

Europe, Asia/Pacific , North/Latin America, Middle East/Africa

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking

≈

E-wallet

≈

Mobile/SMS/IVR

≈

Alternative payment methods



Offline



Company

Javien

Website

www.javien.com

Geographical presence

North/Latin America

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR

≈

Alternative payment methods



Offline



Company

JCB

Website

www.jcbcorporate.com

Geographical presence

North/Latin America, Europe, Middle East/Africa, Asia/Pacific

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking

≈

E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



PSP BUYER‘S GUIDE 2010

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Company

Kaban

Website

www.kaban.com.ph

Geographical presence

Asia/Pacific

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



Company

KBC

Website

www.kbc.com

Geographical presence

Europe

Payment methods Credit cards

≈

Debit cards

≈

Pre-paid cards

≈

Online banking



E-wallet

≈

Mobile/SMS/IVR



Alternative payment methods



Offline



Company

Klarna

Website

www.klarna.se

Geographical presence

Europe

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR

≈

Alternative payment methods



Offline



PSP BUYER‘S GUIDE 2010

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Company

Litle&Co

Website

www.litle.com

Geographical presence

North/Latin America

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking

≈

E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



Company

MasterCard Payment Gateway

Website

www.mastercardpaymentgateway.com

Geographical presence

North/Latin America, Europe, Middle East/Africa, Asia/Pacific

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet

≈

Mobile/SMS/IVR



Alternative payment methods



Offline



Company

Merchant e-Solutions

Website

www.merchante-solutions.com

Geographical presence

North/Latin America

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking

≈

E-wallet

≈

Mobile/SMS/IVR



Alternative payment methods



Offline



PSP BUYER‘S GUIDE 2010

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Mazooma is the first real-time online debit payment solution, providing US consumers with a safe, secure and convenient payment channel for online shopping. Consumers pay for purchases directly from their online banking with the financial institutions they know and trust. Mazooma is bankauthenticated, allowing merchants to ship merchandise immediately.

Company

Mazooma

Website

www.mazooma.com

Keywords

Debit, cash, online, instant, real time, retail, banking



Mr. Paul Phillipson, Managing Director USA, [email protected],1-888-771-1551 ext.242

Geographical presence

USA

Market segment(s)

Retail (apparel, electronics, software)

Active since (year)

2008

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



Services Unique Selling Points

Consumers can now conveniently pay with cash online Real-time for consumer – no offline required, no waiting period, no micro deposits Maintains consumers‘ impulse to buy Addresses the challenges of fraud, shopping card abandonment and high cost of credit cards Merchant cost is 1% + $0.15/transaction Merchants receive instant authorization – orders can ship immediately, just like credit cards Fast, convenient and secure at no cost to the consumer

Core services

Online payment processing

Pricing



Fraud prevention (measures)



Credit management (services)



Other services



Third Parties



Technology Direct connections?



Batch processing?



Per order processing?



PSP BUYER‘S GUIDE 2010

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Company

MicroBilt

Website

www.microbilt.com

Geographical presence

North/Latin America, Europe, Middle East/Africa, Asia/Pacific

Payment methods Credit cards



Debit cards



Pre-paid cards

≈

Online banking



E-wallet

≈

Mobile/SMS/IVR



Alternative payment methods

≈

Offline



Company

Millennium Payment Systems

Website

www.millenniumpayment.ca

Geographical presence

North/Latin America

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods

≈

Offline



Company

Mobile-for

Website

www.mobile-for.be

Geographical presence

Europe

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



PSP BUYER‘S GUIDE 2010

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Mi-Pay is the largest independent direct channel top-up service provider in Europe and specialises in adding value to mobile initiated payment transactions. We also provide a range of innovative, award winning mobile money solutions including international airtime and money transfer services on a white label basis for clients across the world.

Company

Mi-Pay

Website

www.mi-pay.com



Mr Steve Britton, Sales Director, [email protected], (M) +44 7802 359156

Geographical presence

Europe, Middle East/Africa

Market segment(s)

Telecommunications, Finance, Retail Payments

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR

Yes all these plus USSD services and mobile phone app‘s

Alternative payment methods

Airtime balance transfers, cash paid via recruited agents, ATM payments, merchant payments

Offline

ATM networks, merchants and agents

Services Fraud prevention

Customizable fraud rules, industry hot card lists and other hot lists, Black and white listing, 3D Secure, AVS/CVV2 Matrix, Post transaction automated and manual screening to detect new fraud patterns, PCI Certification, Identity Check

Credit management



Additional services

Services to smartcard and other less card companies, enabling mobile phones to be integrated into these systems, allowing the consumer to check and top-up card balances (for themselves and family/friends) as well as receiving suitable promotional offers relating to the service.

Technology Direct connections?

≈

Batch processing?



Per order processing?



Company

MOL

Website

www. global.mol.com

Geographical presence

North/Latin America, Europe, Middle East/Africa, Asia/Pacific

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



PSP BUYER‘S GUIDE 2010

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Company

Mollie

Website

www.mollie.nl

Geographical presence

Europe

Payment methods Credit cards

≈

Debit cards

≈

Pre-paid cards

≈

Online banking



E-wallet

≈

Mobile/SMS/IVR

≈

Alternative payment methods



Offline



Company

Moneris

Website

www.moneris.com

Geographical presence

North/Latin America

Payment methods Credit cards



Debit cards



Pre-paid cards

≈

Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods

≈

Offline



Company

Moneta

Website

www.monetacorp.com

Geographical presence

North/Latin America

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



PSP BUYER‘S GUIDE 2010

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Moneta.ru is one of leading Russian e-wallet and PSP. It accepts customers and merchants from any country. For its customers it provides online payments on merchant websites from various industries. PSP platform allows online merchants to accept payments from all major Russian ewallets and other payment solutions with one contract and integration.

Company

Moneta.ru

Website

www.moneta.ru

Keywords

PSP, e-wallet, payment system, electronic payments, Russia, CIS, online payments



Mr. Ivan Domrachev, Business Development; tel: +7(495)743-4985; email: [email protected]

Geographical presence

Russia, CIS, Europe

Market segment(s)

Gaming, Gambling, Travel, Events, Retail, other

Active since (year)

2005

Payment methods Credit cards

Visa, MasterCard

Debit cards

Visa Electron, Maestro

Pre-paid cards



Online banking

Telebank, HandyBank, Bank24.ru, Platezh.ru

E-wallet

Neteller, Yandex.Money, WebMoney, MoneyMail, Money.Mail.ru, Wallet 1

Mobile/SMS/IVR

Beeline SMS, SMS for Russian operators

Alternative payment methods

Ukash

Offline

Payments kiosks: QIWI, Eleksnet, ComePay and others. Money transfer systems: , Migom, Leader. Bank transfer, post transfer

Connected companies (#) Companies PSP is connected to Services Unique Selling Points

Complete PSP proposition for Russian and CIS market, immediate access to multimillion audience of all customers of third party solutions with one implementation and merchant contract, low fees

Core services

Full scope: payment processing, reconciliation, settlement, billing solutions

Pricing Collecting payments



Distributing payments



Fraud prevention (measures)

IP check, behavior and financial analysis, phone verification, port and other ID verification

Fraud prevention partners

System

Credit management (services)

Moneta.ru's solution is guaranteed: all customer payments are final and irrevocable

Other services Third Parties Technology Direct connections



Batch processing



Per transaction processing



Merchant pages (direct model)



PSP pages (indirect model)



Interfaces

Web services/SOAP, XML/HTML Form

Security

HTTPS, SSL+, PKI, client certificates, IP restriction, access /, payment (security code)

PSP BUYER‘S GUIDE 2010

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PSP BUYER‘S GUIDE 2010

78

Moneybookers operates one of the largest e-wallets in the world with more than 13 million ed customers and €20bn in transaction volume. In addition to that Moneybookers provides a direct payment processing service for credit cards and more than 100 local payment options available through different interfaces (webservice/xml, iframe, virtual terminal).

Company

Moneybookers

Website

www.moneybookers.com

Keywords

payment processing, accept credit cards, credit card processing, online payments, merchant services, merchant , payment gateway, e-wallet



Mr Julian Artopé, [email protected]

Geographical presence

North/Latin America, Europe, Asia/Pacific, Middle East/Africa

Market segment(s)

Digital Media, Auction, Retail (apparel, electronics), Travel, Online Games

Active since (year)

2001

Payment methods Credit cards

Visa, MasterCard, American Express, JCB, Diners Club

Debit cards

Visa Electron, Visa Debit, Maestro, 4B, Carte Bleue, Dankort, Laser, CartaSi, PostePay, Euro6000, Solo Card

Pre-paid cards

Moneybookers MasterCard Pre-Paid Card

Online banking

Available in 42 countries

E-wallet

Moneybookers e-wallet

Mobile/SMS/IVR

SMS Payment Notifications, further mobile payment options being integrated

Alternative payment methods

Online Bank Transfer (instantaneously), EPS, DIRECTebanking, ePay.bg, Nordea, EC, Giropay, Sofortueberweisung, mBank, Inteligo, Pekao S.A., Netelis, eNets, Poli and many more

Offline

Bank s and bank transfer service with 80 local banking partners

Services Unique Selling Points

One contract, one integration – over 80 payment options worldwide, including risk and anti-fraud management

Core services

Enabling payment processing, risk and anti-fraud management, marketing to over 13million e-wallet s.

Pricing

[email protected]

Fraud prevention (measures)

Velocities, Scoring, AF rules, etc. Chargeback protection available

Credit management (services)



Other services

Processing in more than 100 different currencies, instant settlement in 42 different currencies

Third Parties



Technology Direct connections?



Batch processing?



Per order processing?



PSP BUYER‘S GUIDE 2010

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Company

Moneydirect

Website

www.moneydirect.com

Geographical presence

North/Latin America, Europe, Asia/Pacific

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking

≈

E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline

≈

Company

mopay

Website

www.mopay.com

Geographical presence

Asia/Pacific, Europe, Middle East/Africa, North/Latin America

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



Company

mPayy

Website

www.mpayy.com

Geographical presence

North/Latin America

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



PSP BUYER‘S GUIDE 2010

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Company

MultiSafepay

Website

www.multisafepay.com

Geographical presence

Europe

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



Company

MyECheck

Website

www.myecheckcorporate.com

Geographical presence

North/Latin America

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR

≈

Alternative payment methods



Offline

≈

Company

My Payment Network

Website

www.mypaymentnetwork.com

Geographical presence

North/Latin America

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



PSP BUYER‘S GUIDE 2010

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Company

NAB Transact

Website

www.transact.nab.com.au

Geographical presence

Asia/Pacific

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



Company

Neovia Financial

Website

www.neovia.com

Geographical presence

Asia/Pacific, Europe , Middle East/Africa, North/Latin America

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



Company

Netsize SA

Website

www.netsize.com

Geographical presence

Asia/Pacific, Europe , Middle East/Africa, North/Latin America

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



PSP BUYER‘S GUIDE 2010

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Companies worldwide, including some of the largest e-merchants, use Netgiro’s services to increase sales by offering their customers local ways to pay. Founded in 1997, Netgiro is a global full service payment provider with a portfolio of more than 200 global and local online payment methods. Netgiro is a subsidiary of Digital River, Inc.

Company

Netgiro Systems AB – a subsidiary of Digital River Inc.

Website

www.netgiro.com

Keywords

Global, multi currency, local, alternative, full service, fraud



[email protected], US: +1 310-406-8481, EU and other: +46 (0)8 52 72 10 00

Geographical presence

North and Latin America, Europe, Asia Pacific

Market segment(s)

Retail, travel, airlines, software, gaming, subscriptions, events, other

Active since (year)

1997

Payment methods Credit cards

All major credit cards incl. Visa, MasterCard, American Express, Diners, Discover, JCB

Debit cards

International debit cards such as Maestro International, Visa Debit and Electron. Local cards (credit and debit) such as Solo, Maestro UK, Laser Card, Dancard, Carta Sí, Carte Bleue, Carte Aurore, Carte LaSer, Carte 4étoiles, Hipercard, Aura. Over 60 local debit cards in China. 18 local debit cards in India. 12 local debit cards in South Korea

Pre-paid cards

ItzCash Card

Online banking

iDEAL, Sofortüberweisung, Giropay, EPS, Nordea Denmark, 4 banks in Sweden, 6 banks in Finland, 33 banks in India, 19 banks in South Korea

E-wallet

Paypal, Alipay, ClickandBuy

Mobile/SMS/IVR

PayMate, SMS and ARS, hosted mobile payment pages

Alternative payment methods

Konbini Payments, Pay-Easy, Card installments

Offline

Electronic Fund Transfer in over 20 countries, BPay, Boleto Bancario, Direct Debit (incl. ELV), Cheques

Services Unique Selling Points

Netgiro is a full-service payment provider who can your business growth both in sales volume and in international reach. Over 13 years of experience with world leading e-merchants. Local cards and alternative payments in North America, Europe, Brazil, Mexico, China, South Korea, Japan, India and Australia. Global enterprise customization. Reconciliation and advanced reporting. Lowered costs for payments. Increased acceptance rates.

Core services

Streamlined and secure online payment processing via the PCI-certified payment platform, reconciliation and reporting, fraud management, chargeback management, currency services and consulting for all payment related questions. We offer customized solutions for global enterprises.

Pricing

Please the company for a proposal

Fraud prevention (measures)

Internal fraud protection engine ―Transaction Defender‖ Fraud protection measures provided by payment schemes such as CVV/CVC, 3DSecure and AVS

Credit management (services)



Other services

Subscription management, tokenization, Channel Partner Program. As part of the Digital River family of e-commerce solutions, the company offers a large portfolio of services including taxes, marketing tools, web analytics, checkout optimization and much more.

Third Parties

Local connections to acquirers and financial institutions in North America, Latin America, Europe and Asia Pacific. Integration with different ERP systems (incl. SAP) via partners.

Technology Direct connections?



Batch processing?



Per order processing?



PSP BUYER‘S GUIDE 2010

83

Company

Nordea

Website

www.nordea.com

Geographical presence

Europe

Payment methods Credit cards



Debit cards



Pre-paid cards

≈

Online banking



E-wallet

≈

Mobile/SMS/IVR



Alternative payment methods



Offline



Company

NSIApay

Website

www.nsiapay.com

Geographical presence

Asia/Pacific

Payment methods Credit cards



Debit cards

≈

Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods

≈

Offline



Company

Obopay

Website

www.obopay.com/consumer/Welcome.do

Geographical presence

Asia/Pacific, North/Latin America

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



PSP BUYER‘S GUIDE 2010

84

Ogone delivers non-face-to-face businesses a payment solutions platform, added value opportunities and technology advancements that become essential for the way payments are performed, managed and secured today.

Company

Ogone

Website

www.ogone.com

Keywords

ogone, payment, payments, gateway, online, merchant, internet, fraud



Mr Nico van Miltenburg – Head of Sales – [email protected] BE +32 2 286 96 11 – NL +31 297 255 411 – FR +33 1 70 70 0903 – UK +44 20 31 47 49 66 – DE +49 30 22 15 10 750 – CH +41 44 277 55 00 – AT +43 1 890 63 85 00

Geographical presence

Europe & more than 100 acquiring connections worldwide

Market segment(s)

Auction, retail (apparel, electronics, software), travel, ticketing, other

Active since (year)

1996

Payment methods Credit cards

Visa, MasterCard, American Express, Diners Club, JCB, UATP, AirPlus, Cofinoga

Debit cards

Maestro, Solo, Laser Card, Visa Electron, Ban/Mister Cash, Carte Bleue, PostFinance Card, Dankort

Pre-paid cards

Paysafecard, Cash Ticket

Online banking

giropay, EPS, Dexia Direct Net, ING Home‘Pay, KBC/CBC, eDankort, PostFinance E-Finance

E-wallet

PayPal, Wallie Card, Minitix, 1Euro.com

Mobile/SMS/IVR

PingPing, m

Alternative payment methods

ELV , ELV Austria, Machtiging

Offline

Bank transfer

Services Unique Selling Points

Seamless & secure payments

Core services

Online payment processing, fraud prevention, reconciliation

Pricing

Please our Sales Team – [email protected]

Fraud prevention (measures)

PCI DSS, 3-D Secure, blocking rules and filters, scoring module

Credit management (services)



Other services

Consultancy, merchant facilitation

Third Parties

Specific industry solutions partners: Amadeus, Sabre Airline Solutions, Radixx, micros fidelio, Ticketscript Shop software connectors: Magento, ePages, Actinic, XT Commerce, OS Commerce

Technology Direct connections?



Batch processing?



Per order processing?



PSP BUYER‘S GUIDE 2010

85

Company

Offerpal Media

Website

www.offerpalmedia.com

Geographical presence

North/Latin America, Europe, Asia/Pacific, Middle East/Africa

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking

≈

E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



PacNet offers a broad suite of inbound and outbound payment services, including multi-currency merchant s, credit and debit card processing, local electronic payments such as ACH, BACS, SEPA, multi-currency cheque processing, Check 21, scanning solutions, bank transfer collection and more. us to discuss your domestic and international payment needs.

Company

PacNet Services Ltd.

Website

www.pacnetservices.com



Mr. Brendan Mahar, Business Development Manager, [email protected], +1 604 689 0399

Geographical presence

North/Latin America, Europe, Middle East/Africa, Asia/Pacific

Market segment(s)

Auction, Retail (apparel, electronics, software), Travel, Events, Other

Payment methods Credit cards

Visa, MasterCard

Debit cards

Visa Electron, Dankort, Visa Debit CarteBleue, Maestro

Pre-paid cards



Online banking

Facilitate acceptance of local electronic payments

E-wallet



Mobile/SMS/IVR



Alternative payment methods

Local Electronic Payments - inbound, outbound and direct debit

Offline

Cheque and postal money order processing, scanning solutions, bank transfer collection

Services Fraud prevention Credit management Additional services Technology Direct connections?



Batch processing?



Per order processing?



PSP BUYER‘S GUIDE 2010

86

Company

Orca

Website

www.orcaone.com

Geographical presence

North/Latin America

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking

≈

E-wallet

≈

Mobile/SMS/IVR



Alternative payment methods



Offline



Company

Pago

Website

www.pago.de

Geographical presence

Europe, North America

Payment methods Credit cards



Debit cards



Pre-paid cards

≈

Online banking



E-wallet

≈

Mobile/SMS/IVR

≈

Alternative payment methods



Offline



Company

Paybox Services

Website

www1.paybox.com

Geographical presence

Europe

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet

≈

Mobile/SMS/IVR



Alternative payment methods



Offline



PSP BUYER‘S GUIDE 2010

87

Company

PayByCash

Website

www.paybycash.com

Geographical presence

North/Latin America, Europe, Middle East/Africa, Asia/Pacific

Payment methods Credit cards

≈

Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



Company

PayDutch

Website

www.paydutch.nl

Geographical presence

Europe

Payment methods Credit cards

≈

Debit cards

≈

Pre-paid cards



Online banking



E-wallet

≈

Mobile/SMS/IVR

≈

Alternative payment methods



Offline



Company

PayFast

Website

www.payfast.co.za

Geographical presence

Asia/Pacific, Middle East/Africa

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



PSP BUYER‘S GUIDE 2010

88

PayXpert, has rapidly gained a reputation for fairly priced, excellent service. Its buying power, diverse banking network and industry expertise means just one call can get you the best offer. The group‘s cutting edge technology ensures security and availability across the breath of telecom and internet payment channels.

Company

PayXpert BV

Website

www.payxpert.com

Keywords

Merchant , Payment Service Provider, High Risk, Gaming, Adult, IVR, SMS



Scott Barker, UK Sales Director, [email protected]

Geographical presence

Europe, Latin America, North America, Middle East

Market segment(s)

General E-commerce, Auction, Retail, Gaming, Events, Adult, Astrology, Hotels and Travel

Active since (year)

2008

Payment methods Credit cards

Visa, MasterCard, American Express, Diners Club

Debit cards

Visa Electon, Visa Delta, Maestro, Switch and Solo (Maestro UK), Carte Bleue

Pre-paid cards



Online banking

GiroPay, ELV

E-wallet



Mobile/SMS/IVR

Push SMS, MMS, Call Center, Numbers, WAP solutions, IVR applications

Alternative payment methods

E-ticketing, delivered through customizable email

Offline

POS terminals available through banking partners

Connected companies (#)

12 Acquiring Banks

Companies PSP is connected to



Services Unique Selling Points

Experienced Staff, Bank Independent, simple well documented integration, intuitive web-based reporting, Excellent uptime.

Core services

Online payment processing, rate numbers, Push SMS, IVR

Pricing

Competitive

Collecting payments



Distributing payments



Fraud prevention (measures)

AVS, CVV, CV2, 3D Secure available but not mandated, IP Geolocation.BIN range, Merchant configurable velocity checks, Proprietary measures.

Fraud prevention partners

Maxmind, Ethoca Fraud Fighting Community

Credit management (services)



Other services

Microbilling, rate numbers

Third Parties

McAfee SECURE certified reseller

Technology Direct connections



Batch processing



Per transaction processing



Merchant pages (direct model)



PSP pages (indirect model)



Interfaces

SOAP, XML, API, PHP, Java

Security

HTTPS, SSL, PCI DSS Level 1

PSP BUYER‘S GUIDE 2010

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PSP BUYER‘S GUIDE 2010

90

Company

PayGate

Website

www.paygate.co.za

Geographical presence

Asia/Pacific, Europe , Middle East/Africa, North/Latin America

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



Company

Paylane

Website

www.paylane.com

Geographical presence

Europe

Payment methods Credit cards



Debit cards



Pre-paid cards

≈

Online banking

≈

E-wallet

≈

Mobile/SMS/IVR



Alternative payment methods

≈

Offline



Company

PayLeap

Website

www.payleap.com

Geographical presence

North/Latin America

Payment methods Credit cards



Debit cards



Pre-paid cards

≈

Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods

≈

Offline



PSP BUYER‘S GUIDE 2010

91

Company

Paylid

Website

www.paylid.com

Geographical presence

North/Latin America, Europe, Middle East/Africa, Asia/Pacific

Payment methods Credit cards



Debit cards



Pre-paid cards

≈

Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



Company

Paylife

Website

www.paylife.at

Geographical presence

Europe

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR

≈

Alternative payment methods



Offline



Company

Paymate

Website

www.paymate.com

Geographical presence

US, Australia, New Zealand

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



PSP BUYER‘S GUIDE 2010

92

Company

PaymentOne

Website

www.paymentone.com

Geographical presence

North/Latin America

Payment methods Credit cards



Debit cards



Pre-paid cards

≈

Online banking



E-wallet

≈

Mobile/SMS/IVR



Alternative payment methods



Offline



Company

PayNearMe

Website

www.paynearme.com

Geographical presence

North/Latin America

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



Company

Paynova

Website

www.paynova.com

Geographical presence

North/Latin America

Payment methods Credit cards



Debit cards



Pre-paid cards

≈

Online banking



E-wallet

≈

Mobile/SMS/IVR



Alternative payment methods



Offline



PSP BUYER‘S GUIDE 2010

93

Company

PAY.ON

Website

www.payon.com

Geographical presence

North/Latin America, Europe, Middle East/Africa, Asia/Pacific

Payment methods Credit cards



Debit cards

≈

Pre-paid cards



Online banking

≈

E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



Company

Payoneer

Website

www.payoneer.com

Geographical presence

North/Latin America, Europe, Middle East/Africa, Asia/Pacific

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR

≈

Alternative payment methods

≈

Offline



Company

PayPal

Website

www.paypal.com

Geographical presence

North/Latin America, Europe, Middle East/Africa, Asia/Pacific

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



PSP BUYER‘S GUIDE 2010

94

Company

PayPoint

Website

www.paypoint.com

Geographical presence

North/Latin America, Europe, Middle East/Africa, Asia/Pacific

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking

≈

E-wallet

≈

Mobile/SMS/IVR



Alternative payment methods



Offline



Company

PayQuicker

Website

www.payquicker.com

Geographical presence

Asia/Pacific, Europe, Middle East/Africa, North/Latin America

Payment methods Credit cards

≈

Debit cards



Pre-paid cards



Online banking



E-wallet

≈

Mobile/SMS/IVR

≈

Alternative payment methods



Offline



Company

paysafecard

Website

www.paysafecard.com

Geographical presence

Europe, North/Latin America

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



PSP BUYER‘S GUIDE 2010

95

Company

PaySimple

Website

http://www.paysimple.com

Geographical presence

North/Latin America

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking

≈

E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



Company

Paysquare

Website

www.paysquare.nl

Geographical presence

Europe

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods

≈

Offline



Company

paythru

Website

www.paythru.com

Geographical presence

Asia/Pacific, Europe, North/Latin America

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



PSP BUYER‘S GUIDE 2010

96

Company

PayTrace

Website

www.paytrace.com

Geographical presence

North/Latin America

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



Company

PayU

Website

www.payu.pl

Geographical presence

Europe

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking

≈

E-wallet

≈

Mobile/SMS/IVR

≈

Alternative payment methods

≈

Offline



Company

Payvision

Website

www.payvision.com

Geographical presence

Asia/Pacific, Europe, Middle East/Africa, North/Latin America

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



PSP BUYER‘S GUIDE 2010

97

Company

PBS

Website

www.pbs.dk

Geographical presence

Europe

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet

≈

Mobile/SMS/IVR



Alternative payment methods

≈

Offline



Company

Pivotal Payments

Website

www.pivotalpayments.com

Geographical presence

North/Latin America

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



Company

Plastyc

Website

www.plastyc.com

Geographical presence

North/Latin America

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



PSP BUYER‘S GUIDE 2010

98

Company

Platnosci

Website

www.platnosci.pl

Geographical presence

Europe

Payment methods Credit cards



Debit cards



Pre-paid cards

≈

Online banking

≈

E-wallet

≈

Mobile/SMS/IVR



Alternative payment methods



Offline



Company

PlaySpan

Website

corp.playspan.com

Geographical presence

North/Latin America, Europe, Middle East/Africa, Asia/Pacific

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking

≈

E-wallet



Mobile/SMS/IVR

≈

Alternative payment methods



Offline



Company

plimus

Website

www.plimus.com

Geographical presence

Asia/Pacific, Europe, Middle East/Africa, North/Latin America

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



PSP BUYER‘S GUIDE 2010

99

Company

Postbank Transact

Website

www.postransact.com

Geographical presence

Europe

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods

≈

Offline



Company

PostFinance

Website

www.postfinance.ch/index.html.en

Geographical presence

Europe

Payment methods Credit cards



Debit cards



Pre-paid cards

≈

Online banking



E-wallet

≈

Mobile/SMS/IVR



Alternative payment methods



Offline



Company

ProPay

Website

www.propay.com

Geographical presence

North/Latin America, Europe, Middle East/Africa, Asia/Pacific

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking

≈

E-wallet

≈

Mobile/SMS/IVR



Alternative payment methods



Offline



PSP BUYER‘S GUIDE 2010

100

PSP BUYER‘S GUIDE 2010

101

Since 1989, ProgressSoft has been a leading provider of real-time payments and imaging solutions for the banking and financial sectors. Serving a diversified client base of 140+ banks in 22 countries, the company offers solutions in the fields of Electronic Image-based Check Clearing, Mobile Payment, Automated Clearing House (ACH) and Intelligent Signature Recognition.

Company

ProgressSoft

Website

www.progressoft.com

Keywords

ProgressSoft, electronic check clearing, mobile payments, Automated Clearing House, direct debit, direct credit, automated signature verification



Mr. Michael Wakileh – CEO; Tel: +962 6 56 23 000; Email: [email protected]

Geographical presence

Middle East/Africa

Market segment(s)

Retail (software)

Active since (year)

1989

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline

Bank Transfer

Connected companies (#)



Companies PSP is connected to



Services Unique Selling Points

Paperless Environment, Faster Payment Processing, More Accurate Fraud Detection

Core services

Electronic Image-based Check Clearing, Automated Clearing House (Direct Debit/Direct Credit), Mobile Payments, Automated Signature Verification

Pricing

-

Collecting payments



Distributing payments



Fraud prevention (measures)

Signature Verification on Checks and any other Financial Documents

Fraud prevention partners



Credit management (services)



Other services



Third Parties



Technology Direct connections



Batch processing



Per order processing



Merchant pages (direct model)



PSP pages (indirect model)



Interfaces

Web Services, SOAP, XML, Message Queues and T

Security

HTTPS, SSL, PKI, Digital Certificates and Digital Signatures

PSP BUYER‘S GUIDE 2010

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Company

Pure Commerce

Website

www.pure-commerce.com

Geographical presence

North/Latin America, Europe, Middle East/Africa, Asia/Pacific

Payment methods Credit cards



Debit cards



Pre-paid cards

≈

Online banking



E-wallet

≈

Mobile/SMS/IVR



Alternative payment methods

≈

Offline



Company

Quadrant

Website

www.quadrant.com

Geographical presence

North/Latin America, Europe, Middle East/Africa, Asia/Pacific

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet

≈

Mobile/SMS/IVR



Alternative payment methods

≈

Offline



Company

Rahaxi

Website

www.rahaxi.com

Geographical presence

North/Latin America, Europe, Middle East/Africa, Asia/Pacific

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet

≈

Mobile/SMS/IVR



Alternative payment methods

≈

Offline



PSP BUYER‘S GUIDE 2010

103

Doing business via the internet: fast, safe and simple. Rabobank enables this by providing flexible online payment solutions. You can use iDEAL and MiniTix as a standalone payment method, but you could also decide to integrate an online cash on your website. This way your customers can pick their payment method of choice.

Company

Rabobank

Website

www.rabobank.nl search for ―online kassa‘s‖



Mr C.J.Scholte, product manager Financial Logistics, [email protected], (+31) 030 2160429

Geographical presence

Netherlands

Market segment(s)

All e-commerce activities

Payment methods Credit cards

MasterCard, Visa, Amex, Diners Club

Debit cards



Pre-paid cards



Online banking

iDEAL

E-wallet

MiniTix

Mobile/SMS/IVR

Rabo SMS Betalen

Alternative payment methods

Hyves Afrekenen, My Order

Offline



Services Fraud prevention (measures)

Fraud detection module (regarding credit card transactions)

Credit management

Multiple currencies: EUR, USD, GBP; Call center solution; Reconciliation via able files with transaction information

Additional services

www.rabobank.nl/particulieren/

Technology Direct connections?



Batch processing?



Per order processing?



Tried and trusted by thousands of businesses all over the world, RBS WorldPay s the complex payment processing, risk management and reconciliation requirements of the largest enterprises.

Company

RBS WorldPay

Website

www.rbsworldpay.com

Keywords

PSP, merchant services, acquiring, payment, multi currency, international, cross border



+44 (0)845 301 6251 / local numbers available on www.rbsworldpay.com

Geographical presence

North America, Europe, Asia/Pacific

Market segment(s)

All segments domestic and international

Active since (year)

1993

PSP BUYER‘S GUIDE 2010

104

Company

RBS WorldPay - continued

Payment methods Credit cards

Visa (incl. VbV), MasterCard (incl. MCSC), American Express, Diners, JCB, Carte Bancaire, Maestro/Switch, Laser, Discover, Dankort

Debit cards

Maestro, ELV, Laser, Debit MasterCard

Pre-paid cards



Online banking

iDEAL, ELV, Giropay, Yellowpay (PostFinance Card and PostFinance E-finance) and e-banking solutions in various countries

E-wallet

PayPal

Mobile/SMS/IVR Alternative payment methods

Mail and telephone, billing, subscription, face to face payments recurring payments (direct debit and standing order style payments from debit/credit cards)

Offline

‗Acceptgiro‘, money transfer, cheques, direct debits, VVV-voucher

Connected companies (#)

#50 Acquirers

Companies PSP is connected to

+50 major acquirers and banks world-wide

Services Unique Selling Points

Expertise: decades of experience helping the largest multi-national companies expand internationally with expertise and software to complex cross-border payment acceptance. Breadth of payment methods: accept and reconcile a unique breadth of international and countryspecific payment methods. Capacity: high capacity/TPS option for peak load processing (ticketing, online product launch and other event-driven scenarios, for example). Risk management: tools for automated fraud detection and prevention with consultancy services for analysis, design and optimisation. History in high-risk and gambling sectors but increasingly adopted by merchants in other high-volume sectors (retail, online content, consumer electronics). Identity and eligibility management: international age and identification services built-in. Multi-channel: internet, telephone and mail order, face-to-face.

Core services

Online payment processing and acquiring for ‗wide reach‘ cross border trading with range of international and local payments methods. Reconciliation and risk management services built-in.

Pricing

Based on requirements and volumes

Collecting payments



Distributing payments



Fraud prevention (measures)

Tiered risk management services to suit including: Risk management experts to analyse your business and design appropriate fraud strategies, tactics systems and procedures; Screening systems to automate detection and prevention; Age and identity checking; Industry specific checks (for example airlines and hotels); Data sharing to ensure fraudulent activity across merchant and sectors; Proven track record reducing fraud for large enterprises

Fraud prevention partners

192.com, Ethoca

Credit management (services)

Full range

Other services

FX services, Corporate Global Banking, Cash & Liquidity Management, Acquiring/Merchant Services

Third Parties

None

Technology Direct connections



Batch processing



Per transaction processing



Merchant pages (direct model)



PSP pages (indirect model)



Interfaces

HTML, XML (specs on request), numerous shopping carts, increasing numbers of CRM systems

Security

HTTPS, SSL+, PCI Compliant

PSP BUYER‘S GUIDE 2010

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PSP BUYER‘S GUIDE 2010

106

Realex Payments are a leading European Payment service provider, processing over £8Bn for 3,500 businesses across Europe. Fully PCI Certified by Visa and MasterCard, the company builds and manages multi channel payment solutions for businesses to exacting standards, in of security, flexibility, innovation and reliability.

Company

Realex Payments

Website

www.realexpayments.co.uk



Mr Andrew Yoakley, Head Business Development UK & Ireland

Geographical presence

Europe

Market segment(s)

Auction, retail (apparel, electronics, software), travel, gaming, events, other

Payment methods Credit cards

All MasterCard and Visa branded cards. Amex, Diners

Debit cards

All MasterCard and Visa branded cards, UKDM/Switch/Solo and Laser

Pre-paid cards

All MasterCard and Visa branded cards

Online banking



E-wallet



Mobile/SMS/IVR

IVR

Alternative payment methods

iDeal and ELV

Offline



Services Fraud prevention (measures)



Credit management



Additional services



Technology Direct connections?



Batch processing?



Per order processing?



Company

Recurly

Website

www.recurly.com

Geographical presence

North/Latin America, Europe

Payment methods Credit cards



Debit cards

≈

Pre-paid cards

≈

Online banking

≈

E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



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Company

Redecard

Website

www.redecard.com.br

Geographical presence

North/Latin America

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking

≈

E-wallet



Mobile/SMS/IVR

≈

Alternative payment methods

≈

Offline



Company

RentPayment

Website

www.rentpayment.com

Geographical presence

North/Latin America

Payment methods Credit cards



Debit cards

≈

Pre-paid cards

≈

Online banking



E-wallet

≈

Mobile/SMS/IVR



Alternative payment methods



Offline



Company

RevolutionMoney

Website

www.revolutionmoney.com

Geographical presence

North/Latin America

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods

≈

Offline



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Company

Rixty

Website

www.rixty.com

Geographical presence

North/Latin America

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



Company

Rollcomm Worldwide

Website

www.rollcomm.com

Geographical presence

Europe, Middle East/Africa, Asia/Pacific

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline

≈

Company

SafeCharge

Website

www.safecharge.com

Geographical presence

Europe

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking

≈

E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



PSP BUYER‘S GUIDE 2010

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Company

SaferPay

Website

www.saferpay.com

Geographical presence

Europe, Asia/Pacific, North/Latin America

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR

≈

Alternative payment methods



Offline

≈

Company

SafetyPay

Website

www.safetypay.com

Geographical presence

Europe, North/Latin America

Payment methods Credit cards

≈

Debit cards

≈

Pre-paid cards

≈

Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



Company

SagePay

Website

www.sagepay.com

Geographical presence

Europe

Payment methods Credit cards



Debit cards



Pre-paid cards

≈

Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



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Company

Secure Paytech

Website

www.securepaytech.com

Geographical presence

Europe

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



Company

SecureNet

Website

www.securenet.com

Geographical presence

North/Latin America

Payment methods Credit cards



Debit cards

≈

Pre-paid cards

≈

Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



Company

SecurePay

Website

www.securepay.com.au

Geographical presence

Asia/Pacific

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking

≈

E-wallet

≈

Mobile/SMS/IVR



Alternative payment methods



Offline

≈

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Company

Secure Trading

Website

www.securetrading.com

Geographical presence

Europe

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking

≈

E-wallet

≈

Mobile/SMS/IVR



Alternative payment methods



Offline



Company

Sepay

Website

www.sepay.nl

Geographical presence

Europe

Payment methods Credit cards



Debit cards



Pre-paid cards

≈

Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



Company

SIX Pay

Website

www.six-pay.com

Geographical presence

Europe

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



PSP BUYER‘S GUIDE 2010

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Smart2PayTM is a Payment Service Provider offering alternative, non-reversible online payment methods (online bank transfer, wallets, vouchers) covering more than 62 countries. Regular bank transfer is also ed in over 30 countries. The company is a one-stop shop for leading merchants selling over the internet globally.

Company

Smart2Pay B. V.

Website

www.smart2pay.com

Keywords

online payments, alternative payments, non-reversible, largest global coverage, incredible personal service



[email protected]

Geographical presence

Global, Europe, North America, South America, Middle East, Africa, Asia, Pacific

Market segment(s)

Travel, Airline, Retail, Gaming, Financial Services, Social Networking, General E-commerce

Active since (year)

2002

Payment methods Credit cards

All major brands: Visa, MasterCard, JCB, Amex, Diners Many local brands worldwide

Debit cards

CarteBleue, Maestro, Visa Electron, Chinese debit cards Many other local cards worldwide

Pre-paid cards

Many international and local ones

Online banking

Yes (currently we cover 25 different countries)

E-wallet

Yes, global coverage of several methods

Mobile/SMS/IVR



Alternative payment methods

Yes (currently in 62 different countries)

Offline

Bank Transfer in more than 30 countries, quickest reporting

Connected companies (#)

25 Acquirers

Companies PSP is connected to



Services Unique Selling Points

Largest payment portfolio of alternative methods worldwide, flexible offering according to merchant‘s needs, incredible Personal Service, in-house IT, changes on-the-fly

Core services

Online payment processing

Pricing

Please us for detailed information

Collecting payments



Distributing payments



Fraud prevention (measures)

Various fraud prevention mechanisms are in place

Fraud prevention partners

Please us for detailed information

Credit management (services)

Credit management is currently not available

Other services

Please us for detailed information

Third Parties



Technology Direct connections



Batch processing



Per transaction processing



Merchant pages (direct model)



PSP pages (indirect model)



Interfaces

Single interface

Security

Latest technology PSP BUYER‘S GUIDE 2010

114

Company

Social Gold/Jambool

Website

www.jambool.com

Geographical presence

North/Latin America, Europe, Middle East/Africa, Asia/Pacific

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking

≈

E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



Company

Sofinco

Website

www.sofinco.fr

Geographical presence

Europe

Payment methods Credit cards



Debit cards



Pre-paid cards

≈

Online banking



E-wallet

≈

Mobile/SMS/IVR

≈

Alternative payment methods

≈

Offline



Company

Sterling Commerce

Website

www.sterlingcommerce.com

Geographical presence

North/Latin America, Europe, Middle East/Africa, Asia/Pacific

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet

≈

Mobile/SMS/IVR



Alternative payment methods

≈

Offline



PSP BUYER‘S GUIDE 2010

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Company

Streamline

Website

www.streamline.com

Geographical presence

Europe

Payment methods Credit cards



Debit cards



Pre-paid cards

≈

Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods

≈

Offline



Company

SUI Credit Service

Website

www.shimatomo.com/sui/english/service.html

Geographical presence

Asia-Pacific

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



Company

SUI Credit Union

Website

www.siucu.org

Geographical presence

North/Latin America

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet

≈

Mobile/SMS/IVR

≈

Alternative payment methods



Offline



PSP BUYER‘S GUIDE 2010

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Company

Telecash

Website

www.telecash.de

Geographical presence

Europe

Payment methods Credit cards



Debit cards



Pre-paid cards

≈

Online banking



E-wallet

≈

Mobile/SMS/IVR

≈

Alternative payment methods

≈

Offline



Company

Thai Epay

Website

www.thaiepay.com

Geographical presence

Asia

Payment methods Credit cards



Debit cards

≈

Pre-paid cards

≈

Online banking



E-wallet

≈

Mobile/SMS/IVR



Alternative payment methods



Offline

≈

Company

The Universal Air Travel Plan (UATP)

Website

www.uatp.com

Geographical presence

North/South America, Asia-Pacific, EMEA

Payment methods Credit cards



Debit cards

≈

Pre-paid cards

≈

Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



PSP BUYER‘S GUIDE 2010

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Company

Transaction Network Services

Website

www.tnsi.com

Geographical presence

Asia/Pacific , Europe, North/Latin America

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



Company

Transecute

Website

www.transecute.com

Geographical presence

Asia/Pacific

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



Company

TransUnion

Website

www.transunion.com

Geographical presence

North/Latin America, Europe, Middle East/Africa, Asia/Pacific

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet

≈

Mobile/SMS/IVR



Alternative payment methods



Offline



PSP BUYER‘S GUIDE 2010

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Company

Travelex

Website

www.travelex.com

Geographical presence

North/Latin America, Europe, Middle East/Africa, Asia/Pacific

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet

≈

Mobile/SMS/IVR



Alternative payment methods



Offline



Company

Tsys

Website

www.tsys.com

Geographical presence

North/Latin America, Europe, Middle East/Africa, Asia/Pacific

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking

≈

E-wallet



Mobile/SMS/IVR



Alternative payment methods

≈

Offline



Company

TWYP

Website

www.twyp.nl

Geographical presence

The Netherlands, Belgium, , Luxembourg, Poland, Romania

Payment methods Credit cards



Debit cards



Pre-paid cards

≈

Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



PSP BUYER‘S GUIDE 2010

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PSP BUYER‘S GUIDE 2010

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Company

Ukash

Website

www.ukash.com/global/en/home.aspx

Geographical presence

North/Latin America, Europe, Asia/Pacific

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



Company

United Tranz*actions

Website

www.acmeft.net

Geographical presence

North/Latin America

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



Company

UpClick Inc.

Website

www.upclick.com

Geographical presence

Europe, North/Latin America

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



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Company

UseMyServices

Website

www.usemyservices.com

Geographical presence

Europe, North/Latin America

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR

≈

Alternative payment methods



Offline



Company

Valitor

Website

www.valitor.com

Geographical presence

Europe

Payment methods Credit cards



Debit cards



Pre-paid cards

≈

Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods

≈

Offline



Company

Veracity

Website

www.veracity.com

Geographical presence

North/Latin America

Payment methods Credit cards



Debit cards



Pre-paid cards

≈

Online banking



E-wallet

≈

Mobile/SMS/IVR



Alternative payment methods

≈

Offline



PSP BUYER‘S GUIDE 2010

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Company

Verifone

Website

www.verifone.com

Geographical presence

North/Latin America, Europe, Middle East/Africa, Asia/Pacific

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



Company

Verotel

Website

www.verotel.com

Geographical presence

North/Latin America, Europe

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



Company

Visa

Website

corporate.visa.com/index.shtml

Geographical presence

North/Latin America, Europe, Middle East/Africa, Asia/Pacific

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



PSP BUYER‘S GUIDE 2010

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Company

Wells Fargo

Website

www.wellsfargo.com

Geographical presence

North/Latin America, Europe, Middle East/Africa, Asia/Pacific

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet

≈

Mobile/SMS/IVR



Alternative payment methods



Offline



Company

WePay

Website

www.wepay.com

Geographical presence

North/Latin America

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



Company

Wirecard CEE (formerly Qenta)

Website

www.wirecard.at/en/home.html

Geographical presence

Europe

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



PSP BUYER‘S GUIDE 2010

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Wirecard AG is an international provider of electronic payment and risk management solutions. Wirecard Bank AG is a Principal Member of Visa and MasterCard, a licensed acquirer for JCB, Diners Club® and Discover, operating in more than 69 countries around the world. Wirecard AG is listed on the Frankfurt Securities Exchange (TecDAX, ISIN DE0007472060, WDI).

Company

Wirecard AG

Website

www.wirecard.com

Keywords

online payment, ecommerce, risk management, acquiring, issuing credit cards, online banking, alternative payment methods



Frank Böttger, Vice President Payment & Risk; [email protected], +49 89 4424 1498

Geographical presence

Europe, Middle East, Asia Pacific, North America

Market segment(s)

Airline/ Travel, Consumer Goods, Digital Goods

Active since (year)

1999

Payment methods Credit cards

Visa, MasterCard, American Express, Diners Club, Discover, JCB, UATP, AirPlus, China Unionpay

Debit cards

Maestro (Switch/Solo, Maestro UK and Maestro International), CartaSi, Laser Card, Visa and MasterCard debit cards (Visa Electron, Carte Bleue, Carte Bancaire, Dankort, PostePay amongst others), Chinese debit cards, 8 domestic Philippines‘ bank cards

Pre-paid cards

paysafecard, cashticket, mywirecard.com, Ukash

Online banking

EPS, iDEAL, giropay, sofortüberweisung, ACH

E-wallet

PayPal, Moneybookers, WebMoney, @QUICK

Mobile/SMS/IVR

paybox

Alternative payment methods

Invoice, cash in advance

Offline

National Direct Debit (ELV DE/AT), bank transfers, EBICS, SWIFT, SEPA Direct Debit, SEPA Credit,Pago Facil, Boleto Bancário, cash deposits Philippines, SmartMoney

Connected companies (#)

Wirecard Bank AG (Acquirer), Wirecard Retail Services GmbH (PoS), Wirecard Communication Service GmbH (Call center)

Companies PSP is connected to

Connected to more than 100 acquiring banks worldwide

Services Unique Selling Points

Extensive portfolio of international and domestic payment methods; Global network of partnering financial institutions and acquiring banks; Unique range of risk management and fraud protection services; Comprehensive financial services based on own banking license. Multichannel approach: ing all sales channels (Internet, PoS, call center); B2C and B2B Payment Solutions. Integration by means of a single technical interface provides customers with immediate access to more than 85 different payment and risk management methods Partnership with leading industry-specific service providers such as Amadeus, SITA, Accelya, Experian and e-velopment: Wirecard provides ―end-to-end‖ industry solutions; ing downstream business processes with interfaces to ERP/merchandise management/logistics/debtor management or ing systems. Unparalleled customer service levels and system availability, 24/7 multilingual helpdesk. Staff with extensive industry experience, in various market segments /industries

Core services

Payment Processing Services (all distribution channels like Internet, MOTOPoS), Risk Management & Fraud Protection, Financial Services (Acquiring, Banking, Currency Management, Issuing)

Pricing

flexible pricing models

Collecting payments



Distributing payments



Fraud prevention (measures)

Data Analytics, Automated Pattern Detection, Case Management, 3D Secure, CVC, AVS, IP/BIN Verification, Velocity Checks, Black/Whitelists, Validation & Scoring, Device Fingerprinting

Fraud prevention partners

Interfaces to various 3rd party data providers

Credit management (services)

payment guarantee

Other services

Strategy Management & Decisioning Solutions; Consumer Identification & Credit Rating (integration to various credit agencies); Point-of-Sale payment Processing and Acquiring; Call center services (stationary, virtual and hybrid); Issuing bank: Wirecard Bank provides co-branded prepaid cards (Visa and MasterCard), Payout cards, Virtual Card Supplier Payout Solution

PSP BUYER‘S GUIDE 2010

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PSP BUYER‘S GUIDE 2010

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Company

Wirecard AG - continued

Technology Direct connections



Batch processing



Per transaction processing



Merchant pages (direct model)



PSP pages (indirect model)



Interfaces

SOAP, HTTPS/XML, ISO8583, various batch file formats

Security

HTTPS, SSL+, sFTP, PGP encryption

Company

WorldNet

Website

www.worldnettps.com

Geographical presence

Europe

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



Company

YESpay

Website

www.yes-pay.com

Geographical presence

North/Latin America, Europe

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking

≈

E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



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Yandex.Money is the leading online payment system in Russia accepting payments for more than 2200 merchants and service providers. All payments are irrevocable, chargeback is not possible. Top-up options include prepaid scratch cards, plastic cards, online banking and cash – suitable for large unbanked Russia audience. ed s – 6 000 000.

Company

Yandex.Money

Website

money.yandex.ru

Keywords

Payment collection, payment service provider, payment gateway, e-wallet



Ms Maria Gracheva, Chief Marketing Officer, [email protected], +7 495 7392325 #8120

Geographical presence

Russia

Market segment(s)

Retail, utility bills, telecom services, online advertising, travel, gaming, events, other

Active since (year)

2002

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods

yes, cash-in machines

Offline

cash, bank transfers

Services Unique Selling Points

Payment collection from all over Russia, even unbanked regions; payments are irrevocable

Core services

Online payments for goods and services

Pricing

Depends on turnover and market segment

Fraud prevention (measures)

All payments are irrevocable – thus, no fraud; 3D Secure, online validation, Velocity Rules, Blacklisting

Credit management (services)



Other services

s: Invoicing, OTP authorization, p2p payments Merchants: Co-branded scratch cards, bonus code distribution system

Third Parties



Technology Direct connections?



Batch processing?



Per order processing?



PSP BUYER‘S GUIDE 2010

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Company

Youlayaway

Website

www.youlayaway.com

Geographical presence

North/South America

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



Company

Zeus Research

Website

www.zeusresearch.com

Geographical presence

North/South America

Payment methods Credit cards

≈

Debit cards

≈

Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



Company

Zong

Website

www.zong.com

Geographical presence

North/Latin America, Europe, Middle East/Africa, Asia/Pacific

Payment methods Credit cards



Debit cards



Pre-paid cards



Online banking



E-wallet



Mobile/SMS/IVR



Alternative payment methods



Offline



PSP BUYER‘S GUIDE 2010

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PSP BUYER‘S GUIDE 2010

130

www.thepaypers.com

www.thepaypers.com