PSP Buyer's Guide 2010 - Insights in The Worldwide Online PSP Market

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
2
INSIGHTS IN THE WORLDWIDE ONLINE PSP MARKET
Authors
The Paypers
Monica Gaza, Adriana Screpnic, Edith Toth
Release
Version 1.01
September 2010
Copyright © The Paypers BV
All rights reserved
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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 e-
commerce 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 accounted for around 10% of the estimated USD148 billion US consumer online
shopping market in 2008. Bank-issued credit cards accounted for 55%, debit cards 27%, retailer-
issued store cards 4%, and prepaid/gift cards 4%, the Javelin report suggests. In the US, internet-
based 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
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register 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 registered 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-on-
delivery. For more detailed information see our 'Online payments 2010' report, free to download 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/
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet 
Mobile/SMS/IVR 
Offline 
Company 3V Transaction Services

Website www.3v.ie
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet 
Mobile/SMS/IVR 
Offline 
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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 
Offline 
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AcceptEmail is a simple and secure electronic billing and payment solution utilizing the power of e-
mail. 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
Contact Mr P.J. Kwakernaak | CEO; pkwakernaak@acceptemail.com; +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, Bancontact/Mister Cash
Pre-paid cards 
Online banking All local online banking systems
E-wallet 
Mobile/SMS/IVR 
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 supports 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
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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
Payment methods
Credit cards 
Debit cards 
Pre-paid cards ≈
Online banking 
E-wallet 
Mobile/SMS/IVR 
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 
Offline 
Company Aduno
Website www.aduno.ch
Payment methods
Credit cards 
Debit cards 
Pre-paid cards ≈
Online banking 
E-wallet 
Mobile/SMS/IVR 
Offline ≈
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13
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
Contact Sander Maertens, VP, sander.maertens@adyen.com; 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
Merchant pages (direct model) 
PSP pages (indirect model) Yes, these pages are fully customisable and Adyen supports one-page payments.
Interfaces Web services, SOAP, XML, HTTP, CSV, RSS, iPhone
Security HTTPS, SSL+, Basic Authentication, HMAC
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Company AIB Merchant Services
Website www.aibms.com/index.php
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet 
Mobile/SMS/IVR 
Offline 
Company AirPlus International

Website www.airplus.com/world/en/
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet 
Mobile/SMS/IVR 
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 
Offline 
15
Company Alliance Data Systems
Website www.alliancedata.com/
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet 
Mobile/SMS/IVR 
Offline ≈
Company Allopass
Website www.allopass.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 
Offline 
Company Amazon Flexible Payments

Website aws.amazon.com/fps/
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet 
Mobile/SMS/IVR 
Offline 
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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
Contact Jamie Serino; Director, Market Insights; Jamie.serino@sungard.com; 973-463-5722
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.
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 supports 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 
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. Support for digital signing 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 account. Validation checks are also done on bank accounts 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 administrator of the SWIFT
account. SunGard is a SWIFT certified global partner and AvantGard Payments has two SWIFT-
Ready Application labels for 2010: Corporates – Treasury & Corporates – Cash Management.
Third Parties Comdata, SWIFT
Technology
Interfaces XML
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Company American Express
Website home.americanexpress.com/home/mt_personal.shtml
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet 
Mobile/SMS/IVR 
Offline 
Company Arvato
Website www.arvatodigitalservices.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet 
Mobile/SMS/IVR 
Offline 
Company AsiaPay
Website www.asiapay.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet 
Mobile/SMS/IVR 
Offline 
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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 
Offline 
Company Avangate
Website www.avangate.com/online-payment-solutions
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet 
Mobile/SMS/IVR 
Offline 
Company B+S Card Service

Website www.bs-card-service.com/en/
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet 
Mobile/SMS/IVR 
Offline ≈
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Company Bank Associates Merchant Services
Website www.bams.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet 
Mobile/SMS/IVR 
Offline 
Company Banco Popular

Website www.mypopularbanking.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet 
Mobile/SMS/IVR 
Offline 
Company Bank of America

Website www.bankofamerica.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet 
Mobile/SMS/IVR 
Offline 
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Company barclaycard ePDQ
Website www.barclaycard.co.uk/business/
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet 
Mobile/SMS/IVR 
Offline 
Company beanstream
Website www.beanstream.com/public/index.asp
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet 
Mobile/SMS/IVR 
Offline ≈
Company Bill Me Later

Website www.billmelater.com/index.xhtml
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet 
Mobile/SMS/IVR 
Offline 
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Company Billeo
Website www.billeo.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet 
Mobile/SMS/IVR 
Offline 
Company Billing Revolution

Website www.billingrevolution.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet 
Mobile/SMS/IVR 
Offline 
Company BluePay
Website www.bluepay.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet 
Mobile/SMS/IVR 
Offline 
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Company BNL POSitivity
Website www.bnlpositivity.it/en/prodotti/
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet 
Mobile/SMS/IVR 
Offline 
Company BNP Paribas

Website www.bnpparibas.com/en/home/
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet 
Mobile/SMS/IVR 
Offline 
Company Buckaroo
Website www.buckaroo.nl
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet 
Mobile/SMS/IVR 
Offline 
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Company Camtech
Website www.camtech.com.au
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet 
Mobile/SMS/IVR 
Offline 
Company Card Complete Service Bank

Website www.cardcomplete.com/
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet 
Mobile/SMS/IVR 
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 
Offline 
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Company CartaSi
Website www.cartasi.it/gtwpages/index.jsp
Payment methods
Credit cards 
Debit cards ≈
Pre-paid cards 
Online banking 
E-wallet 
Mobile/SMS/IVR 
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 
Offline 
Company CashSender
Website www.cashsender.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet 
Mobile/SMS/IVR 
Offline 
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Company CCAvenue
Website www.ccavenue.com
Payment methods
Credit cards 
Debit cards ≈
Pre-paid cards ≈
Online banking 
E-wallet 
Mobile/SMS/IVR 
Offline 
Company CCNow
Website www.ccnow.co
Payment methods
Credit cards 
Debit cards 
Pre-paid cards ≈
Online banking 
E-wallet ≈
Mobile/SMS/IVR 
Offline 
Company Ceridian SVS

Website www.storedvalue.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet 
Mobile/SMS/IVR 
Offline 
28
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 account, mail order
Contact EUMarketing@ChasePaymentech.com, 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
downloads, social networking, other
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, user 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 account manager, merchant services call centre, 24/7 web and IVR availability,
24/7 operations support, chargeback analyst, training specialist, technical consulting
Pricing For current pricing, please contact the company at EUMarketing@ChasePaymentech.com
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
support; 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 Support: card account
update service; MasterCard SIIP program; recurring payment indicators; multiple payment methods.
Spectrum SDK: simplifies direct integration; manages connections; eases upgrades with templates
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Company Chase Paymentech - continued
Technology
Direct connections supported? Both direct and indirect connections supported
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 account system for wallet, loyalty
and cashless transactions.
Company Chess
Website www.chess.nl
Keywords Online payments, virtual account system, contactless, cashless, terminals, business rules
Contact Mr Ward Hagenaar, New Business Manager, ward.hagenaar@chess.nl, +31(0)23 5149 149
Market segment(s) E-business, Finance. Verticals : Ticketing, Sport and Events, Mobility & Travel, Retail, Communities
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 Account 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 Account 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? 
31
Issue any volume of multi-currency payments by cheque or electronic transfer to panelists, affiliates
and prize winners around the world. Chexx Inc. cheques and electronic payments are easy for you
to order and easy for beneficiaries to clear. Contact us today to set up your Chexx Inc. account for
free.
Company Chexx Inc.

Website www.chexxinc.com
Contact Mr. Brendan Mahar, Business Development Manager; brendan@chexxinc.com; +1 604 688 0366
Market segment(s) Market Research, Clinical Trials, Affiliate 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 supported? 
Company China UnionPay

Website en.chinaunionpay.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet 
Mobile/SMS/IVR 
Offline 
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Company ChinaPay
Website www.chinapay.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards ≈
Online banking 
E-wallet 
Mobile/SMS/IVR 
Offline 
Company Chronopay
Website www.chronopay.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet 
Mobile/SMS/IVR 
Offline 
Company Cielo
Website www.cielo.com.br/portal/main-page.html
Payment methods
Credit cards 
Debit cards 
Pre-paid cards ≈
Online banking 
E-wallet 
Mobile/SMS/IVR 
Offline 
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Company Clear2Pay
Website www.clear2pay.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet 
Mobile/SMS/IVR ≈
Offline 
Company ClearCommerce (FIS Global)

Website www.fisglobal.com/index.htm
Payment methods
Credit cards 
Debit cards 
Pre-paid cards ≈
Online banking 
E-wallet 
Mobile/SMS/IVR 
Offline 
Company ClickandBuy International Limited

Website www.clickandbuy.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet 
Mobile/SMS/IVR 
Offline 
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Company CNG Processing
Website www.cngpro.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet 
Mobile/SMS/IVR 
Offline 
Company CollectivePOS
Website www.collectivepos.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet 
Mobile/SMS/IVR 
Offline 
Company Computop
Website www.computop.de/startseite.html?&no_cache=1&L=1
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet 
Mobile/SMS/IVR 
Offline 
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Company ConCardis
Website www.concardis.com/
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet 
Mobile/SMS/IVR 
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 affiliates 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
Contact info@countinghouseltd.com
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
Additional services 
Technology
Direct connections supported? 
36
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 account, card, alternative payment, prepaid, conversion
Contact sales@cqrpayments.com; +43 (0)1227 50 37000
Market segment(s) Online retail (apparel, electronics, software), gaming, gambling, events, other
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, accounting platform and reporting
Pricing For further information please contact CQR at sales@cqrpayments.com
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 account), MOTO, Recurring transactions, Auto top up,
KYC, 3D Secure
Third Parties GB Group, Cellent, Decidir
Technology
37
Company CRE Secure
Website www.cresecure.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet 
Mobile/SMS/IVR 
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 
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 ≈
Offline 
38
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
Contact Rosie Leishman, Head of Marketing, rleishman@cybersource.com, +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.
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 contact 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 contact 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 contact your regional CyberSource office for more information about pricing
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
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
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40
Company CyberSource - continued
Technology
Direct connections Yes – the company supports and maintains direct connections to multiple processors
Interfaces ASP/COM, C, Java, .NET, Perl, PHP, Web Services (SOAP) and plug-ins for major commerce
platforms
Company CuentaDigital
Website www.cuentadigital.com
Payment methods
Credit cards ≈
Debit cards ≈
Pre-paid cards ≈
Online banking 
E-wallet ≈
Mobile/SMS/IVR 
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 
Offline 
41
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 
Offline 
Company Deutsche Card Services

Website www.deutsche-card-services.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking ≈
E-wallet ≈
Mobile/SMS/IVR 
Offline 
Company Dexia
Website www.dexia.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet ≈
Mobile/SMS/IVR ≈
Offline 
42
Company DIBS
Website www.dibspayment.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet 
Mobile/SMS/IVR 
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 
Offline 
Company DirectOne
Website www.directone.com.au
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet 
Mobile/SMS/IVR 
Offline 
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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 membership 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
Contact Mr. R. van Dee, Sales Manager; e-mail: rene.vandee@docdatapayments.com, tel: +31 (0)343-
530040
Market segment(s) e-Retail, Ticketing, Media, Digital Services, leisure, telecommunications, skill gaming
Payment methods
Credit cards Visa, Mastercard, American Express, Carte Bleue
Debit cards Maestro, Visa Electron
Pre-paid cards WallieCard
Online banking iDeal, Bancontact/Mr. Cash, GiroPay, Sofortuberweisung, DirecteBanking, KBC Betaalknop, ING
HomePay, Dexia Netbanking
E-wallet PayPal, Minitix
Mobile/SMS/IVR Premium SMS + Premium 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; Multi-
sales channel: Docdata Payments processes payments for e-commerce, MOTO.
Core services Processing online payments, collection and reconciliation
Pricing For our current pricing, please contact our sales department, sales@docdatapayments.com
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 account no, etc.
Fraud prevention partners German Post, InfoScore
Credit management (services) Open invoicing is supported (printed invoice, Acceptgiro) for merchants that support 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
Interfaces Web services, XML
Security HTTPS, PKI
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46
Company Discover Network
Website www.discovernetwork.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking ≈
E-wallet 
Mobile/SMS/IVR 
Offline 
Company Documetric
Website www.documetric.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet 
Mobile/SMS/IVR 
Offline 
Company Dotpay
Website www.dotpay.pl
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet 
Mobile/SMS/IVR 
Offline 
47
Company Dragonfish
Website www.dragonfishtech.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet 
Mobile/SMS/IVR 
Offline 
Company Dragonpay Corporation

Website www.dragonpay.ph
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet 
Mobile/SMS/IVR 
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 
Offline 
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Company eBillme
Website www.ebillme.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet 
Mobile/SMS/IVR 
Offline 
Company EBS
Website www.ebs.in
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet 
Mobile/SMS/IVR ≈
Offline 
Company ecapay
Website www.ecapay.net
Payment methods
Credit cards ≈
Debit cards 
Pre-paid cards 
Online banking 
E-wallet ≈
Mobile/SMS/IVR 
Offline ≈
49
Company eCard
Website www.ecard.pl
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking ≈
E-wallet ≈
Mobile/SMS/IVR 
Offline ≈
Company ECHO
Website www.echo-inc.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking ≈
E-wallet 
Mobile/SMS/IVR 
Offline ≈
Company Elavon
Website www.elavon.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet ≈
Mobile/SMS/IVR ≈
Offline 
50
Company Electronic Payment Systems
Website www.eps-na.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet ≈
Mobile/SMS/IVR 
Offline 
Company eNETS
Website www.enets.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet ≈
Mobile/SMS/IVR 
Offline ≈
Company Envoy Services

Website www.envoyservices.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards ≈
Online banking 
E-wallet 
Mobile/SMS/IVR 
Offline 
51
Company EOS Payment Solutions
Website www.eos-payment.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet 
Mobile/SMS/IVR 
Offline 
Company epay
Website www.epayworldwide.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet 
Mobile/SMS/IVR 
Offline 
Company eProcessing Network

Website www.eprocessingnetwork.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet 
Mobile/SMS/IVR 
Offline 
52
Company Equens
Website www.equens.com/index.jsp
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet 
Mobile/SMS/IVR 
Offline 
Company eTranzact
Website www.etranzact.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet 
Mobile/SMS/IVR 
Offline 
Company EuroCommerce
Website www.eurocommerce.ie
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet 
Mobile/SMS/IVR 
Offline 
53
Company Euroline
Website www.euroline.se
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking ≈
E-wallet 
Mobile/SMS/IVR 
Offline 
Company European Merchant Services B.V.

Website www.emscard.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet 
Mobile/SMS/IVR 
Offline 
Company eWay
Website www.eway.com.au
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet 
Mobile/SMS/IVR 
Offline 
54
Company E-xact Transactions
Website www.e-xact.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet 
Mobile/SMS/IVR 
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
Contact International Sales Team, sales@failsafepayments.com
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 Acess,
PasswordByPhone 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 
Technology
Direct connections? 
Batch processing? 
Per order processing? 
55
Company eWise
Website www.ewise.com/corporate/index.html
Payment methods
Credit cards ≈
Debit cards ≈
Pre-paid cards 
Online banking 
E-wallet 
Mobile/SMS/IVR 
Offline 
Company Fifth Third Bank

Website www.53.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards ≈
Online banking 
E-wallet 
Mobile/SMS/IVR ≈
Offline 
Company First Data

Website www.firstdata.com/en_us/home
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet ≈
Mobile/SMS/IVR 
Offline 
56
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 accounts, international credit card
processing, online card payment, merchant international, credit card gateway, online payment
systems
Contact Tricia Lines Hill, VP Marketing & Corp. Communications, Tel: 441.294.4625. Email: tlineshill@fac.bm
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
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 Account
Confirmation, Collaborative Fraud Management
Other services 
Third Parties Ethoca for collaborative fraud management
Technology
Per order processing? 
57
Company First National Bank Omaha
Website www.firstnational.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet 
Mobile/SMS/IVR 
Offline 
Company First National Merchant Solutions

Website www.firstnationalmerchants.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking ≈
E-wallet 
Mobile/SMS/IVR 
Offline 
Company Fortis Bank Nederland

Website www.fortisbank.nl
Payment methods
Credit cards 
Debit cards ≈
Pre-paid cards ≈
Online banking 
E-wallet 
Mobile/SMS/IVR ≈
Offline 
58
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
Contact www.globalcollect.com/payment-service-provider/merchant-form/, info@globalcollect.com,
info@globalcollectusa.com, info@globalcollectapac.com, info@globalcollectlatam.com
Market segment(s) Travel, Retail, Gaming, Software, Music, Publishing, Streaming Media, Social Networking, Ticketing,
Direct Selling, Telecommunications / Online Portals and more.
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 (France), 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 Germany, 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 support 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, France, Germany, 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, account validation, credit card checks.
Other services Full-serve-provider, currency conversion, consumer support, single-interface connection to our
payment platform.
Third Parties 
Technology
Direct connections supported? 
59
Company giropay GmbH
Website www.giropay.de
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet 
Mobile/SMS/IVR 
Offline 
Company Global Payments

Website www.globalpaymentsinc.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking ≈
E-wallet 
Mobile/SMS/IVR 
Offline 
Company Glue Pay

Website www.gluepay.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet 
Mobile/SMS/IVR 
Offline 
60
Company Google Checkout
Website www.checkout.google.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards ≈
Online banking 
E-wallet ≈
Mobile/SMS/IVR 
Offline 
Company GSI Commerce

Website www.gsicommerce.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet ≈
Mobile/SMS/IVR 
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 
Offline 
61
Company Heartland Payment Systems
Website www.heartlandpaymentsystems.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet ≈
Mobile/SMS/IVR 
Offline 
Company Heidelpay
Website www.heidelpay.de
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet 
Mobile/SMS/IVR 
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 
Offline 
62
63
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
Contact Mr. Chris Silverson, Vice President – Sales, 604-482-0090, solutions@hyperwallet.com
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.
Payment methods
Credit cards Support for Credit Card gateways – VISA, MC, Amex
Debit cards 
Pre-paid cards Brandable prepaid cards
Online banking Global bank account transfers to 40 countries worldwide,
Cosy-effective, cross-border payment distribution & remittances
E-wallet Brandable stored value accounts, multi-currency payment processing, multi-lingual user 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
Support 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
Other services Custom software development, systems monitoring, maintenance management, customer support,
transaction settlement services
Third Parties PayPal, MPESA, SMART Money
Technology
64
Company IndiaPay
Website www.indiapay.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet 
Mobile/SMS/IVR 
Offline 
Company ING
Website www.ingcommercialbanking.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards ≈
Online banking 
E-wallet 
Mobile/SMS/IVR 
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 ≈
Offline 
65
Company Innovate Payments
Website www.innovatepayments.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet 
Mobile/SMS/IVR 
Offline 
Company Interac
Website www.interac.ca
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet 
Mobile/SMS/IVR ≈
Offline 
Company Internet Secure

Website www.internetsecure.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet 
Mobile/SMS/IVR ≈
Offline ≈
66
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 
Offline ≈
Company IPS
Website www.ipspay.net
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet ≈
Mobile/SMS/IVR 
Offline ≈
Company ISD Financial

Website www.isdfinancial.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet ≈
Mobile/SMS/IVR 
Offline 
67
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 
Offline 
Company Javien
Website www.javien.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet 
Mobile/SMS/IVR ≈
Offline 
Company JCB
Website www.jcbcorporate.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking ≈
E-wallet 
Mobile/SMS/IVR 
Offline 
68
Company Kaban
Website www.kaban.com.ph
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet 
Mobile/SMS/IVR 
Offline 
Company KBC
Website www.kbc.com
Payment methods
Credit cards ≈
Debit cards ≈
Pre-paid cards ≈
Online banking 
E-wallet ≈
Mobile/SMS/IVR 
Offline 
Company Klarna
Website www.klarna.se
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet 
Mobile/SMS/IVR ≈
Offline 
69
Company Litle&Co
Website www.litle.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking ≈
E-wallet 
Mobile/SMS/IVR 
Offline 
Company MasterCard Payment Gateway

Website www.mastercardpaymentgateway.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet ≈
Mobile/SMS/IVR 
Offline 
Company Merchant e-Solutions

Website www.merchante-solutions.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking ≈
E-wallet ≈
Mobile/SMS/IVR 
Offline 
70
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 bank-
authenticated, allowing merchants to ship merchandise immediately.
Company Mazooma
Website www.mazooma.com
Keywords Debit, cash, online, instant, real time, retail, banking
Contact Mr. Paul Phillipson, Managing Director USA, pphillipson@mazooma.com,1-888-771-1551 ext.242
Geographical presence USA
Market segment(s) Retail (apparel, electronics, software)
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet 
Mobile/SMS/IVR 
Offline 
Services
Unique Selling Points Consumers can now conveniently pay with cash online
Real-time for consumer – no offline sign-up 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) 
Other services 
Third Parties 
Technology
71
Company MicroBilt
Website www.microbilt.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards ≈
Online banking 
E-wallet ≈
Mobile/SMS/IVR 
Offline 
Company Millennium Payment Systems

Website www.millenniumpayment.ca
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet 
Mobile/SMS/IVR 
Offline 
Company Mobile-for
Website www.mobile-for.be
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet 
Mobile/SMS/IVR 
Offline 
72
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
Contact Mr Steve Britton, Sales Director, steve.britton@mi-pay.com, (M) +44 7802 359156
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 contactless 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? ≈
Company MOL
Website www. global.mol.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet 
Mobile/SMS/IVR 
Offline 
73
Company Mollie
Website www.mollie.nl
Payment methods
Credit cards ≈
Debit cards ≈
Pre-paid cards ≈
Online banking 
E-wallet ≈
Mobile/SMS/IVR ≈
Offline 
Company Moneris
Website www.moneris.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards ≈
Online banking 
E-wallet 
Mobile/SMS/IVR 
Offline 
Company Moneta
Website www.monetacorp.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet 
Mobile/SMS/IVR 
Offline 
74
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 e-
wallets 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
Contact Mr. Ivan Domrachev, Business Development; tel: +7(495)743-4985; email: business@moneta.ru
Mr. Sergey Smirnov, CEO, tel: +7(495)743-4985, email: sergey.smirnov@moneta.ru
Mr. Denis Pashutkin, CTO, tel: +7(495)743-4985, email: dennis.pashutkin@moneta.ru
Geographical presence Russia, CIS, Europe
Market segment(s) Gaming, Gambling, Travel, Events, Retail, other
Payment methods
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, Premium SMS for Russian operators
Alternative payment methods Ukash
Offline Payments kiosks: QIWI, Eleksnet, ComePay and others. Money transfer systems: Contact, 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
Fraud prevention (measures) IP check, behavior and financial analysis, phone verification, passport and other ID verification
Fraud prevention partners CONTACT System
Credit management (services) Moneta.ru's solution is guaranteed: all customer payments are final and irrevocable
Other services
Third Parties
Technology
Interfaces Web services/SOAP, XML/HTML Form
Security HTTPS, SSL+, PKI, client certificates, IP restriction, access login/password, payment password
(security code)
75
76
Moneybookers operates one of the largest e-wallets in the world with more than 13 million
registered 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 account, payment gateway, e-wallet
Contact Mr Julian Artopé, julian.artope@moneybookers.com
Market segment(s) Digital Media, Auction, Retail (apparel, electronics), Travel, Online Games
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 accounts 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
users.
Pricing Contact merchantservices@moneybookers.com
Fraud prevention (measures) Velocities, Scoring, AF rules, etc. Chargeback protection available
Other services Processing in more than 100 different currencies, instant settlement in 42 different currencies
Third Parties 
Technology
77
Company Moneydirect
Website www.moneydirect.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking ≈
E-wallet 
Mobile/SMS/IVR 
Offline ≈
Company mopay
Website www.mopay.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet 
Mobile/SMS/IVR 
Offline 
Company mPayy
Website www.mpayy.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet 
Mobile/SMS/IVR 
Offline 
78
Company MultiSafepay
Website www.multisafepay.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet 
Mobile/SMS/IVR 
Offline 
Company MyECheck
Website www.myecheckcorporate.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet 
Mobile/SMS/IVR ≈
Offline ≈
Company My Payment Network

Website www.mypaymentnetwork.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet 
Mobile/SMS/IVR 
Offline 
79
Company NAB Transact
Website www.transact.nab.com.au
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet 
Mobile/SMS/IVR 
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 
Offline 
Company Netsize SA
Website www.netsize.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet 
Mobile/SMS/IVR 
Offline 
80
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
Contact info@netgiro.com, 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
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 support 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 contact 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
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
81
Company Nordea
Website www.nordea.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards ≈
Online banking 
E-wallet ≈
Mobile/SMS/IVR 
Offline 
Company NSIApay
Website www.nsiapay.com
Payment methods
Credit cards 
Debit cards ≈
Pre-paid cards 
Online banking 
E-wallet 
Mobile/SMS/IVR 
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 
Offline 
82
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
Contact Mr Nico van Miltenburg – Head of Sales – sales@ogone.com
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
Payment methods
Credit cards Visa, MasterCard, American Express, Diners Club, JCB, UATP, AirPlus, Cofinoga
Debit cards Maestro, Solo, Laser Card, Visa Electron, Bancontact/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, mpass
Alternative payment methods ELV Germany, ELV Austria, Machtiging
Offline Bank transfer
Services
Unique Selling Points Seamless & secure payments
Core services Online payment processing, fraud prevention, reconciliation
Pricing Please contact our Sales Team – sales@ogone.com
Fraud prevention (measures) PCI DSS, 3-D Secure, blocking rules and filters, scoring module
Other services Consultancy, merchant account 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
83
Company Offerpal Media
Website www.offerpalmedia.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking ≈
E-wallet 
Mobile/SMS/IVR 
Offline 
PacNet offers a broad suite of inbound and outbound payment services, including multi-currency
merchant accounts, 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. Contact us to discuss your domestic and international payment needs.
Company PacNet Services Ltd.

Website www.pacnetservices.com
Contact Mr. Brendan Mahar, Business Development Manager, brendan@pacnetservices.com,
+1 604 689 0399
Market segment(s) Auction, Retail (apparel, electronics, software), Travel, Events, Other
Payment methods
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
84
Company Orca
Website www.orcaone.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking ≈
E-wallet ≈
Mobile/SMS/IVR 
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 ≈
Offline 
Company Paybox Services

Website www1.paybox.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet ≈
Mobile/SMS/IVR 
Offline 
85
Company PayByCash
Website www.paybycash.com
Payment methods
Credit cards ≈
Debit cards 
Pre-paid cards 
Online banking 
E-wallet 
Mobile/SMS/IVR 
Offline 
Company PayDutch
Website www.paydutch.nl
Payment methods
Credit cards ≈
Debit cards ≈
Pre-paid cards 
Online banking 
E-wallet ≈
Mobile/SMS/IVR ≈
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 
Offline 
86
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 account, Payment Service Provider, High Risk, Gaming, Adult, IVR, SMS
Contact Scott Barker, UK Sales Director, sb@payxpert.com
Geographical presence Europe, Latin America, North America, Middle East
Market segment(s) General E-commerce, Auction, Retail, Gaming, Events, Adult, Astrology, Hotels and Travel
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, Premium Numbers, WAP solutions, IVR applications
Alternative payment methods E-ticketing, login 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, Premium rate numbers, Push SMS, IVR
Pricing Competitive
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
Other services Microbilling, Premium rate numbers
Third Parties McAfee SECURE certified reseller
Technology
Interfaces SOAP, XML, API, PHP, Java
Security HTTPS, SSL, PCI DSS Level 1
87
88
Company PayGate
Website www.paygate.co.za
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet 
Mobile/SMS/IVR 
Offline 
Company Paylane
Website www.paylane.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards ≈
Online banking ≈
E-wallet ≈
Mobile/SMS/IVR 
Offline 
Company PayLeap
Website www.payleap.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards ≈
Online banking 
E-wallet 
Mobile/SMS/IVR 
Offline 
89
Company Paylid
Website www.paylid.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards ≈
Online banking 
E-wallet 
Mobile/SMS/IVR 
Offline 
Company Paylife
Website www.paylife.at
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet 
Mobile/SMS/IVR ≈
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 
Offline 
90
Company PaymentOne
Website www.paymentone.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards ≈
Online banking 
E-wallet ≈
Mobile/SMS/IVR 
Offline 
Company PayNearMe
Website www.paynearme.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet 
Mobile/SMS/IVR 
Offline 
Company Paynova
Website www.paynova.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards ≈
Online banking 
E-wallet ≈
Mobile/SMS/IVR 
Offline 
91
Company PAY.ON
Website www.payon.com
Payment methods
Credit cards 
Debit cards ≈
Pre-paid cards 
Online banking ≈
E-wallet 
Mobile/SMS/IVR 
Offline 
Company Payoneer
Website www.payoneer.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet 
Mobile/SMS/IVR ≈
Offline 
Company PayPal
Website www.paypal.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet 
Mobile/SMS/IVR 
Offline 
92
Company PayPoint
Website www.paypoint.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking ≈
E-wallet ≈
Mobile/SMS/IVR 
Offline 
Company PayQuicker
Website www.payquicker.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet 
Mobile/SMS/IVR 
Offline 
Company paysafecard
Website www.paysafecard.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet 
Mobile/SMS/IVR 
Offline 
93
Company PaySimple
Website http://www.paysimple.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking ≈
E-wallet 
Mobile/SMS/IVR 
Offline 
Company Paysquare
Website www.paysquare.nl
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet 
Mobile/SMS/IVR 
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 
Offline 
94
Company PayTrace
Website www.paytrace.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet 
Mobile/SMS/IVR 
Offline 
Company PayU
Website www.payu.pl
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking ≈
E-wallet ≈
Mobile/SMS/IVR ≈
Offline 
Company Payvision
Website www.payvision.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet 
Mobile/SMS/IVR 
Offline 
95
Company PBS
Website www.pbs.dk
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet ≈
Mobile/SMS/IVR 
Offline 
Company Pivotal Payments

Website www.pivotalpayments.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet 
Mobile/SMS/IVR 
Offline 
Company Plastyc
Website www.plastyc.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet 
Mobile/SMS/IVR 
Offline 
96
Company Platnosci
Website www.platnosci.pl
Payment methods
Credit cards 
Debit cards 
Pre-paid cards ≈
Online banking ≈
E-wallet ≈
Mobile/SMS/IVR 
Offline 
Company PlaySpan
Website corp.playspan.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking ≈
E-wallet 
Mobile/SMS/IVR ≈
Offline 
Company plimus
Website www.plimus.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet 
Mobile/SMS/IVR 
Offline 
97
Company Postbank Transact
Website www.postransact.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet 
Mobile/SMS/IVR 
Offline 
Company PostFinance
Website www.postfinance.ch/index.html.en
Payment methods
Credit cards 
Debit cards 
Pre-paid cards ≈
Online banking 
E-wallet ≈
Mobile/SMS/IVR 
Offline 
Company ProPay
Website www.propay.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking ≈
E-wallet ≈
Mobile/SMS/IVR 
Offline 
98
99
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
Contact Mr. Michael Wakileh – CEO; Tel: +962 6 56 23 000; Email: mike.wakileh@progressoft.com
Mr. Ali Fada – CTO; Tel: +962 6 56 23 000; Email: ali.fada@progressoft.com
Geographical presence Middle East/Africa
Market segment(s) Retail (software)
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet 
Mobile/SMS/IVR 
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 -
Fraud prevention (measures) Signature Verification on Checks and any other Financial Documents
Fraud prevention partners 
Other services 
Third Parties 
Technology
Per order processing 
Merchant pages (direct model) 
PSP pages (indirect model) 
Interfaces Web Services, SOAP, XML, Message Queues and TCP
Security HTTPS, SSL, PKI, Digital Certificates and Digital Signatures
100
Company Pure Commerce
Website www.pure-commerce.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards ≈
Online banking 
E-wallet ≈
Mobile/SMS/IVR 
Offline 
Company Quadrant
Website www.quadrant.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet ≈
Mobile/SMS/IVR 
Offline 
Company Rahaxi
Website www.rahaxi.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet ≈
Mobile/SMS/IVR 
Offline 
101
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 register 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‖
Contact Mr C.J.Scholte, product manager Financial Logistics, C.J.Scholte@rn.rabobank.nl, (+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 downloadable files with
transaction information
Additional services www.rabobank.nl/particulieren/
Technology
Tried and trusted by thousands of businesses all over the world, RBS WorldPay supports 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
Contact +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
102
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 support complex cross-border payment acceptance.
Breadth of payment methods: accept and reconcile a unique breadth of international and country-
specific 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
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
Interfaces HTML, XML (specs on request), numerous shopping carts, increasing numbers of CRM systems
Security HTTPS, SSL+, PCI Compliant
103
104
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 terms of
security, flexibility, innovation and reliability.
Company Realex Payments

Website www.realexpayments.co.uk
Contact Mr Andrew Yoakley, Head Business Development UK & Ireland
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) 
Technology
Company Recurly
Website www.recurly.com
Payment methods
Credit cards 
Debit cards ≈
Pre-paid cards ≈
Online banking ≈
E-wallet 
Mobile/SMS/IVR 
Offline 
105
Company Redecard
Website www.redecard.com.br
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking ≈
E-wallet 
Mobile/SMS/IVR ≈
Offline 
Company RentPayment
Website www.rentpayment.com
Payment methods
Credit cards 
Debit cards ≈
Pre-paid cards ≈
Online banking 
E-wallet ≈
Mobile/SMS/IVR 
Offline 
Company RevolutionMoney
Website www.revolutionmoney.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet 
Mobile/SMS/IVR 
Offline 
106
Company Rixty
Website www.rixty.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet 
Mobile/SMS/IVR 
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 
Offline ≈
Company SafeCharge
Website www.safecharge.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking ≈
E-wallet 
Mobile/SMS/IVR 
Offline 
107
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 ≈
Offline ≈
Company SafetyPay
Website www.safetypay.com
Payment methods
Credit cards ≈
Debit cards ≈
Pre-paid cards ≈
Online banking 
E-wallet 
Mobile/SMS/IVR 
Offline 
Company SagePay
Website www.sagepay.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards ≈
Online banking 
E-wallet 
Mobile/SMS/IVR 
Offline 
108
Company Secure Paytech
Website www.securepaytech.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet 
Mobile/SMS/IVR 
Offline 
Company SecureNet
Website www.securenet.com
Payment methods
Credit cards 
Debit cards ≈
Pre-paid cards ≈
Online banking 
E-wallet 
Mobile/SMS/IVR 
Offline 
Company SecurePay
Website www.securepay.com.au
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking ≈
E-wallet ≈
Mobile/SMS/IVR 
Offline ≈
109
Company Secure Trading
Website www.securetrading.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking ≈
E-wallet ≈
Mobile/SMS/IVR 
Offline 
Company Sepay
Website www.sepay.nl
Payment methods
Credit cards 
Debit cards 
Pre-paid cards ≈
Online banking 
E-wallet 
Mobile/SMS/IVR 
Offline 
Company SIX Pay

Website www.six-pay.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet 
Mobile/SMS/IVR 
Offline 
110
111
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 supported in over 30 countries. The company is a one-stop shop for leading
merchants selling over the internet globally.
Company Smart2Pay
Website www.smart2pay.com
Keywords online payments, alternative payments, non-reversible, largest global coverage, incredible personal
service
Contact Support@Smart2Pay.com
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
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 contact us for detailed information
Fraud prevention (measures) Various fraud prevention mechanisms are in place
Fraud prevention partners Please contact us for detailed information
Credit management (services) Credit management is currently not available
Other services Please contact us for detailed information
Third Parties 
Technology
Interfaces Single interface
Security Latest technology
112
Company Social Gold/Jambool
Website www.jambool.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking ≈
E-wallet 
Mobile/SMS/IVR 
Offline 
Company Sofinco
Website www.sofinco.fr
Payment methods
Credit cards 
Debit cards 
Pre-paid cards ≈
Online banking 
E-wallet ≈
Mobile/SMS/IVR ≈
Offline 
Company Sterling Commerce

Website www.sterlingcommerce.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet ≈
Mobile/SMS/IVR 
Offline 
113
Company Streamline
Website www.streamline.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards ≈
Online banking 
E-wallet 
Mobile/SMS/IVR 
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 
Offline 
Company SUI Credit Union

Website www.siucu.org
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet ≈
Mobile/SMS/IVR ≈
Offline 
114
Company Telecash
Website www.telecash.de
Payment methods
Credit cards 
Debit cards 
Pre-paid cards ≈
Online banking 
E-wallet ≈
Mobile/SMS/IVR ≈
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 
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 
Offline 
115
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 
Offline 
Company Transecute
Website www.transecute.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet 
Mobile/SMS/IVR 
Offline 
Company TransUnion
Website www.transunion.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet ≈
Mobile/SMS/IVR 
Offline 
116
Company Travelex
Website www.travelex.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet ≈
Mobile/SMS/IVR 
Offline 
Company Tsys
Website www.tsys.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking ≈
E-wallet 
Mobile/SMS/IVR 
Offline 
Company TWYP
Website www.twyp.nl
Geographical presence The Netherlands, Belgium, Germany, Luxembourg, Poland, Romania
Payment methods
Credit cards 
Debit cards 
Pre-paid cards ≈
Online banking 
E-wallet 
Mobile/SMS/IVR 
Offline 
117
118
Company Ukash
Website www.ukash.com/global/en/home.aspx
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet 
Mobile/SMS/IVR 
Offline 
Company United Tranz*actions

Website www.acmeft.net
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet 
Mobile/SMS/IVR 
Offline 
Company UpClick Inc.

Website www.upclick.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet 
Mobile/SMS/IVR 
Offline 
119
Company UseMyServices
Website www.usemyservices.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet 
Mobile/SMS/IVR ≈
Offline 
Company Valitor
Website www.valitor.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards ≈
Online banking 
E-wallet 
Mobile/SMS/IVR 
Offline 
Company Veracity
Website www.veracity.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards ≈
Online banking 
E-wallet ≈
Mobile/SMS/IVR 
Offline 
120
Company Verifone
Website www.verifone.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet 
Mobile/SMS/IVR 
Offline 
Company Verotel
Website www.verotel.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet 
Mobile/SMS/IVR 
Offline 
Company Visa
Website corporate.visa.com/index.shtml
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet 
Mobile/SMS/IVR 
Offline 
121
Company Wells Fargo
Website www.wellsfargo.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet ≈
Mobile/SMS/IVR 
Offline 
Company WePay
Website www.wepay.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet 
Mobile/SMS/IVR 
Offline 
Company Wirecard CEE (formerly Qenta)

Website www.wirecard.at/en/home.html
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet 
Mobile/SMS/IVR 
Offline 
122
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
Contact Frank Böttger, Vice President Payment & Risk; frank.boettger@wirecard.com, +49 89 4424 1498
Geographical presence Europe, Middle East, Asia Pacific, North America
Market segment(s) Airline/ Travel, Consumer Goods, Digital Goods
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:
supporting 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; supporting
downstream business processes with interfaces to ERP/merchandise management/logistics/debtor
management or accounting 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
Fraud prevention (measures) Data Analytics, Automated Pattern Detection, Case Management, 3D Secure, CVC, AVS, IP/BIN
Verification, Velocity Checks, Black/Whitelists, Account 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
123
124
Company Wirecard AG - continued
Technology
Interfaces SOAP, HTTPS/XML, ISO8583, various batch file formats
Security HTTPS, SSL+, sFTP, PGP encryption
Company WorldNet
Website www.worldnettps.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet 
Mobile/SMS/IVR 
Offline 
Company YESpay
Website www.yes-pay.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking ≈
E-wallet 
Mobile/SMS/IVR 
Offline 
125
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. Registered users – 6 000 000.
Company Yandex.Money
Website money.yandex.ru
Keywords Payment collection, payment service provider, payment gateway, e-wallet
Contact Ms Maria Gracheva, Chief Marketing Officer, mari@yamoney.ru, +7 495 7392325 #8120
Geographical presence Russia
Market segment(s) Retail, utility bills, telecom services, online advertising, travel, gaming, events, other
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 account validation, Velocity Rules,
Blacklisting
Other services Users: Invoicing, OTP authorization, p2p payments
Merchants: Co-branded scratch cards, bonus code distribution system
Third Parties 
Technology
126
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 
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 
Offline 
Company Zong
Website www.zong.com
Payment methods
Credit cards 
Debit cards 
Pre-paid cards 
Online banking 
E-wallet 
Mobile/SMS/IVR 
Offline 
127
128
www.thepaypers.com
www.thepaypers.com

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PSP BUYER‘S GUIDE 2010

INSIGHTS IN THE WORLDWIDE ONLINE PSP MARKET

‘A solid reference for web merchants and payment professionals,