The Spanish Association of Payment Institutions (AENPA) is a business association founded in 1997 under the name of Spanish Association of Money Remittance Companies. It is composed of Spanish payment institutions as well as other European Union payment institutions authorised to provide payment services in Spain.

Today AENPA is a benchmark and spokesperson of payment institutions, recognised by Public Authorities and Institutions, especially by those institutions regulating and supervising payment services and well as the prevention of money laundering and terrorist financing. AENPA is also recognised by the media and other individuals and private entities interested in payment services.

AENPA is a founding member of EPIF. It is also a member of the Payment Systems Market Expert Group (PSMEG) within the European Commission, as well as of the Spanish National Payments Committee (“Comité Nacional de Pagos”).

For more information please visit http://aenpa.es/es/

Afepame is the French Payment Institutions Association.

For more information please visit http://www.afepame.fr/

Amazon Payments, is a wholly owned subsidiary of Amazon.com that provides a means to process transactions online. Launched in 2007, Amazon Payments uses the consumer base of Amazon.com and focuses on giving users the same checkout experience available on Amazon.com.

For more information please visit https://pay.amazon.com/

American Express is a global service company, providing customers with access to products, insights and experiences that enrich lives and build business success.  A leader in global payments, American Express is the largest card issuer by purchase volume and operates a worldwide network that processes millions of merchant transactions daily.

The Company has direct relationships with both Card members and merchants.  This creates a “closed-loop”, whereby we have access to information at both ends of the Card transaction. This allows American Express to analyse information on Card member spending and build analytical tools that enable us to provide targeted marketing and other information services for merchants, and special offers and services to Card members.

American Express also invites banks and other institutions to issue Cards and, in some countries, act as merchant acquirers on the American Express network.  By leveraging our global infrastructure and the appeal of the American Express brand, we broaden our Card member and merchant base for our network worldwide. This strategy enables American Express to enhance its presence in countries where we already do business and expand our presence into new geographic areas.

The Company is equally focused on expanding its alternative mobile and online payment services.  For example, in the United States our digital software-based platform Serve® enables consumers to spend, send and receive money, and make person-to-person payments online at serve.com, via mobile phones and at merchants that accept American Express Cards.

American Express has a rich heritage of operating in Europe, reaching as far back as 1891.  Today, we are present in over 20 European countries and manage our business principally thorough American Express Payment Services Limited, the legal entity for our merchant acquiring business, and American Express Services Europe Limited, the legal entity for our card issuing business.  Both are licensed payment institutions, regulated by the U.K. Financial Services Authority.

Our range of products and services includes:

• Charge and credit card products;
• Expense management products and services;
• Consumer and business travel services;
• Stored value products such as Travellers Cheques and other prepaid products;
• Network services;
• Merchant acquisition and processing, servicing and settlement, and point-of-sale, marketing and information products and services for merchants;
• Market and trend analyses and related consulting services, fraud prevention services, and the design of customised customer loyalty and rewards programmes.

For more information please visit https://www.americanexpress.com

In the wake of the technological, regulatory and competitive challenges that the payments sector is currently facing, particularly in Portugal, an open market economy with unique features in the European payments landscape, ANIPE emerged as a project aiming to promote competitive advantages for its members.

The Association intends to adopt a collaborative model to foster the development of the payments sector in Portugal, promoting the inclusion and cooperation among all stakeholders, namely regulators and incumbents, with the purpose of anticipating and leveraging European legislation as an opportunity to assist the national market to become a reference for innovation, growth and talent in the payments industry.

Another of ANIPE’s intents is to participate and represent the national market in European and International forums, ensuring a permanent contact with its counterparts and encouraging the sharing of best practices among its associates and with global market leaders as well.

For more information please visit

For more information please visit https://www.apple.com/befr/apple-pay/

Bridge is the leading European Open Banking platform and the technological engine of Bankin’. Both are brands of the payment institution Perspecteev SAS, 1st PDS2 certified actor in Europe via ACPR (French regulation). Bridge develops with its clients the new financial ecosystem in Europe: more open, more innovative and more competitive. Bridge securely helps initiate payments, aggregate, standardize and enrich financial data for over one hundred clients such as Cdiscount, Cegid, Sage, RCA, PayFit, Qonto or FLOA. Bridge is connected to over 200 financial institutions in Europe. Bridge has successfully been serving the mobile app Bankin’ and its 5.3 million users since 2011, making its payment services and its algorithms the most powerful on the market. Bridge is easy to integrate and meets all the security standards

For more information please visit https://bridgeapi.io/

EasyPay is a Bulgarian company, an electronic money institution licensed by the Bulgarian National Bank to operate on the territory of the European Union.

EasyPay is the largest non-bank payment company in Bulgaria. Located in Sofia, Bulgaria, EasyPay was founded in 2004.

Available in more than 2500  retail agent locations in Bulgaria and abroad, the EasyPay  platform enables consumers and merchants to send and receive money and make payments.

EasyPay offers inovative, secure and reliable payments. Our range of  products and services includes deposit and withdrawal of cash, money transfer – domestic and international, online platform ePay.bg , internet, mobile and cash payments to online merchant, utility bill payments- cash or online- by bank cards or by accounts, tax payment, recurring payment.

EasyPay has become a national leader in online payments solution with more than 2 milion customers,  3000 online shops and more than 500 utility companies. More than 1 000 000 customers use  EasyPay between 2 or 5 times monthly.

The payment services provided by EasyPay works closely with all banks in the country as well as by financial and government institutions.

For more information please visit https://www.easypay.bg/site/en/

eBay Inc. (Nasdaq: EBAY) is a global commerce leader that connects millions of buyers and sellers in 190 markets around the world. We exist to enable economic opportunity for individuals, entrepreneurs, businesses and organizations of all sizes. Founded in 1995 in San Jose, California, eBay is one of the world’s largest and most vibrant marketplaces for discovering great value and unique selection. In 2020, eBay enabled $100 billion of gross merchandise volume. eBay Sarl is a Payment Institution regulated in Luxembourg by the CSSF since 2014. We provide payment services to eBay sellers in the EU.

For more information please visit https://www.ebayinc.com/company/

Elavon’s Global Acquiring Solutions organisation provides end-to-end payment processing services to more than one million merchants in the United States, Europe, Canada, Mexico, Puerto Rico and Brazil. Elavon markets solutions including credit and debit card processing, gift cards, dynamic currency conversion, multi-currency support, and cross-border acquiring through multiple alliance channels including financial institutions, trade associations and third party sales agents. Elavon’s suite of solutions is tailored to meet the needs of merchants in specialized markets such as small business, retail, hospitality/T&E, health care, education and the public sector. European activities are conducted through Elavon Financial Services Limited, an Irish registered bank headquartered in Dublin, which is a wholly owned subsidiary within the U.S. Bancorp group of companies.

For more information please visit https://www.elavon.co.uk/

The EPSM is a non-profit trade association of European Service Providers for Merchants.

EPSM’s main objectives are to represent its members’ interest and to provide a platform for exchanging news, information and views on the European payments market.

Currently, EPSM represents more than 65 organisations with their headquarters in more than 15 different countries.

Its members includes network operators, acquirers, internet and mobile payments providers, manufacturers, processing providers and payments schemes.

For more information please visit https://www.epsm.eu/

Founded in 2012, Finance Incorporated Limited is a Maltese Fintech company that offers eWallet and card solutions to the business community. During the past years, the company created different products under different brands, offering solutions to businesses and consumers ranging from shipping, financial institutions, e-commerce and merchants. Our API integrations and open banking platform simplify large scale transaction processing, whilst we are able to offer a full suite of payment card solutions to our customers ranging from card Issuing, acquiring and data processing services. As a financial institution, the concept behind Finance Incorporated Ltd is, to bring together various services from separate disciplines to create a financial gateway, where the clients can access a multitude of services under a single click.

Finance Incorporated is being managed by a diverse board of directors and Banking veterans, where new ideas being fused with rigid governance and controls. We value strict oversight, transparency and good governance whilst never cease to innovate and develop.

Our Team, Our Company, Our Home is the motto of Finance Incorporated. We value and support each other in every way we can. These visions are embedded in our Mission Statement.

Finance Incorporated Ltd is a licensed Payment Institution under the supervision of the Malta Financial Services Authority (MFSA) and principal member of Mastercard.

For more information please visit https://www.financeincorp.com/

For more information please visit https://www.financeincorp.com/

Launched in March 2020, Fintecture is spearheading the B2B transaction revolution. Currently operational in over 10 countries, Fintecture already enables more than 7,000 businesses to collect payments from 250,000 payers in France, Spain, and soon Italy, UK and Germany. Fintecture’s payment methods, built from first principles for B2B transactions, integrate seamlessly to all sales channels enabling merchants to save time, save costs and increase sales.

For more information please visit https://www.fintecture.com/en/

Fiserv aspires to move money and information in a way that moves the world. As a global leader in payments and financial technology, the company helps clients achieve best-in-class results through a commitment to innovation and excellence in areas including account processing and digital banking solutions; card issuer processing and network services; payments; e-commerce; merchant acquiring and processing; and the Clover cloud-based point of-sale solution. Fiserv is a member of the S&P 500 Index and the FORTUNE 500, and is among FORTUNE World’s Most Admired Companies. Visit www.fiserv.com and follow on social media for more information and the latest company news.

For more information please visit http://www.fiserv.com/

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PayBelgium is the voice of the Belgian payments industry, representing the interests of payment service providers to policymakers and broader stakeholders. We are committed to uniting the industry by fostering networking and knowledge-sharing among our membership.

For more information please visit https://www.paybelgium.be/

Fuelled by a fundamental belief that having access to financial services creates opportunity, PayPal is committed to democratizing financial services and empowering people and businesses to join and thrive in the global economy. Our open digital payments platform gives PayPal’s 254 million active account holders the confidence to connect and transact in new and powerful ways, whether they are online, on a mobile device, in an app, or in person. Through a combination of technological innovation and strategic partnerships, PayPal creates better ways to manage and move money, and offers choice and flexibility when sending payments, paying or getting paid. Available in more than 200 markets around the world, the PayPal platform, including Braintree, Venmo and Xoom, enables consumers and merchants to receive money in more than 100 currencies, withdraw funds in 56 currencies and hold balances in their PayPal accounts in 25 currencies. For more information on PayPal, visit https://www.paypal.com/about.

For more information please visit https://www.paypal.com

Paysafe Group is a leading global provider of end-to-end payment solutions. Its core purpose is to enable businesses and consumers to connect and transact seamlessly through industry-leading capabilities in payment processing, digital wallet, card issuing and online cash solutions.

With over 20 years of online payment experience, an annualized transactional volume of over US $80 billion, and approximately 3,000 employees located in 12+ global locations, Paysafe connects businesses and consumers across 200 payment types in over 40 currencies around the world.

Delivered through an integrated platform, Paysafe solutions are geared toward mobile-initiated transactions, real-time analytics and the convergence between brick-and-mortar and online payments.

For more information please visit https://www.paysafe.com

PONIP is the Polish Organisation of Non-Banking Payment Institutions.

For more information please visit https://www.ponip.pl/

SIBS is a European technology company offering payment solutions to consumers for the last 40 years. SIBS portfolio includes a Network of Automatic Teller Machines (ATM) and Automatic Payment Terminals (APT) currently offering 90 different features (e.g. payments to government, commodities, transports, etc); a POS and softPOS network; an app that offers the first interbank solution for shopping, instant transfers and remote withdrawals (MB WAY); several solutions for merchants including a gateway for online payments; an open banking API (SIBS API market);  a top of the art multi-channel and multi-product solution against fraud operating real time; a security and digital certification company (eIDAS) as well as being a payments processor. Apart from its home Member State, Portugal, SIBS is also present in Romania, Poland, Angola, Algeria, São Tomé and Principe and East Timor and operates in more than 20 countries.

For more information please visit

For more information please visit https://stripe.com/be?&utm_campaign=paid_brand&utm_medium=cpc&utm_source=google&ad_content=261762329964&utm_term=stripe&utm_matchtype=e&utm_adposition1t1&utm_device=c&gclid=EAIaIQobChMI-PGa-pX92gIVGZ3VCh0rzQ6IEAAYASAAEgJSZ_D_BwE

The Western Union Company (NYSE: WU) is a global leader in cross-border, cross-currency money movement. Our omnichannel platform connects the digital and physical worlds and makes it possible for consumers and businesses to send and receive money and make payments with speed, ease, and reliability. As of June 30, 2018, our network included over 550,000 retail agent locations offering Western Union, Vigo or Orlandi Valuta branded services in more than 200 countries and territories, with the capability to send money to billions of accounts. Additionally, westernunion.com, our fastest growing channel in 2017, is available in 45 countries and territories to move money around the world. In 2017, we moved over $300 billion in principal in nearly 130 currencies and processed 32 transactions every second across all our services. With our global reach, Western Union moves money for better, connecting family, friends and businesses to enable financial inclusion and support economic growth.

For more information please visit http://www.westernunion.com

For more information please visit https://www.wise.com/

Wolt is a Helsinki-based technology company that provides an online platform for consumers, merchants and couriers. It connects people looking to order food and other goods with people interested in selling and delivering them. To enable this, Wolt develops a wide range of technologies from local logistics to retail software and financial solutions – as well as operating its own grocery stores under the Wolt Market brand. Wolt’s products include Wolt+ (subscription service for customers), Wolt at Work (meal benefits and office deliveries for companies), Wolt Drive (fast last-mile deliveries for merchants) and Wolt Self-Delivery (service for merchant partners with their own delivery staff). Wolt’s mission is to make cities better by empowering and growing local communities. Wolt was founded in 2014 and joined forces with DoorDash in 2022. DoorDash operates in 27 countries today, 23 of which are with the Wolt product and brand.

For more information please visit https://wolt.com/en

Worldpay is a leading global payments acquirer that powers businesses of all sizes to take, make and manage payments. We are a global leader in financial technology with unique capabilities to power omni-commerce. Our technology – whether it is in store, online, embedded, omnichannel or cross border – processes more than 50 billion transactions worth more than $2.3 trillion each year. We allow our clients to accept payments in 146 countries and across 135 currencies. However, we are more than just a payments provider. We are a growth partner committed to rapidly unleashing the potential of every business. Their growth is our measure of success as we help our customers become more efficient, more secure and more successful.

To learn more, visit worldpay.com or follow us on LinkedIn, X, and Facebook.

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For more information please visit https://www.yoursafe.com/en/index.html?_=1

Zalando Payments GmbH is a 100% subsidiary of Zalando SE and  provides a full payments solution to the Zalando Group ranging from risk assessment and fraud screening, over offering payment methods in the checkout and processing, up to collection and reconciliation of funds. Zalando Payments is regulated by BAFIN and holds an e-money license.

For more information please visit https://fr.zalando.be