EPIF members represent the broad range of business models covered by the Payment Services Directive (PSD) and include companies and national associations from every part of Europe. Our growing member base covers a diverse range of business models, including:
Execution of payment transactions – direct debits, payment cards, credit transfers, standing orders
Operating a payment account
Issuing payment instruments
Alpha Card was established in 1998 and is a joint venture between American Express and BNP Paribas Fortis. The Organisation has the exclusive license to issue cards and acquire merchants on the American Express Network in Belgium and Luxembourg.
As from October 2011, all operational services for the American Express brand have been integrated in the Alpha Card organisation.
The company consists of 180 employees focused on sales, marketing and after sales service.
For more information please visit http://www.alpha-card.com/
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
The Spanish Association of Payment Institutions (ANAED) 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. As of May 2013, it has 26 members. Our members mainly provide money remittance payment services, although some of them provide other payment services too.
Today ANAED is a benchmark and spokesperson of payment institutions, recognised by Public Authorities and Institutions, especially by those institutions regulating and supervising payments services and well as the prevention of money laundering and terrorist financing. ANAED is also recognised by the media and other individuals and private entities interested in payment services.
For more information please visit www.anaed.com
The Bundesverband der Zahlungsinstitute (BVZI) (Federal Association of Payment Institution) was established on 21stOctober 2009 after the enactment of the Payment Services Supervision Act (ZAG), a law that implements the Payment Service Directive and regulatesthe activities of payment institutions.
The aim of BVZI is to act in its members’ common interests in its dealing with legislative authorities, the Federal Financial Supervisory Authority (Bundesanstalt für Finanzdienstleistungsaufsicht(BaFin)), the German Federal Bank (Deutsche Bundesbank), German Banking Community (Deutsche Kreditwirtschaft, formerly ZKA- Zentraler Kreditausschuss), the German Federal Ministry of Finance (Bundesfinanzministerium) and card organisations.
The association also holds workshops that give its members the opportunity to exchange information about their experiences with regulators and to pose specific questions (e.g. on topics such as the ZAG, control of money laundering, data protection, registration etc.).
The association was, upon the recommendation of the Ministry of Finance, actively involved in various legislative projects, such as the implementation of (a) the new Second E-money Directive and (b) SEPA regulation into national law. The BVZI also played a role in the campaign to improve anti-money laundering legislation by presenting a statement on the matter. In May 2014 BVZI organised its first conference for members and non-members in Bonn.
The BVZI is, upon the invitation of the Ministry of Finance and the Deutsche Bundesbank, represented in the newly-founded German SEPA council.
For more information please visit www.bvzi.de
Checkout.com is an international fully integrated acquirer providing payment processing advanced payment technology and fraud management services to leading e-commerce merchants. Checkout.com offers one the most comprehensive online and mobile payment solution, including all international credit cards, international currencies and a large series of local payments methods.
Checkout.com as a European acquirer (principal member of VISA, MasterCard, Diners and Discover and Union Pay International) operating its proprietary payment gateway, has full control on all aspects of the value chain and can deliver the best level of service at competitive price. With 4 offices around the world, we serve merchants in Europe, Asia, Middle-East and Africa. Checkout’s UK entity (Checkout Ltd) is authorized as a Payment Institution license by the UK Financial Conduct Authority (FCA) with full passporting rights across the EU region
For more information please visit https://www.checkout.com/
Our payment gateway makes it easy for businesses to make and accept payments all around the world. With a single integration, payment service providers and merchants can instantly connect to our regional acquiring networks, local bank settlement networks, and alternative payment methods—without having to build those relationships on their own. Spend less time on individual integrations and more time generating revenue with Clearsettle.
For more information please visit www.clearsettle.com
ConCardis is a joint venture between German banks and savings banks and is one of Europe’s leading providers of cashless payments, with some 30 years of experience in the field of card acceptance. The company serves 230,000 customers in Germany, Switzerland, Austria and Benelux, providing a full range of debit and credit card payment services to around 400,000 points of sale in face-to-face retailing as well as in e-commerce and mail order. The payment institute is authorised by the German regulatory authority BaFin and is successfully expanding into other European markets.
Individual solutions from a single source – also available internationally
Depending on the type and size of their business, ConCardis always offers companies one or more suitable solutions for card acceptance and, if required, can also accompany the expansion of their business activities abroad. Years of experience and an internal task force guarantee that cashless payments abroad are processed and settled just as reliably and securely as at home.
With ConCardis, merchants always get everything from a single source: acceptance contracts for debit and credit card payments by all major international brands, modern terminals, solutions to optimise transaction workflows and individual advice.
Cashless payment services
ConCardis offers its clients a “one-stop shop” for services and products. This means that companies benefit from having a single contact person for all cashless payment services. ConCardis’s portfolio includes the following services:
- Acceptance of all credit and debit cards
- Payment terminals at point of sale (POS)
- E-payment solutions for e-commerce/m-commerce and mail/telephone order
- Contactless payment
- Additional functions, such as dynamic currency conversion (DCC/eDCC)
For more information please visit http://www.concardis.com/
Diners Club International (“DCI”) is a wholly-owned subsidiary of DFS Services LLC, a wholly-owned subsidiary of Discover Financial Services (“DFS”). DFS is a publicly-held, U.S. company traded on the New York Stock Exchange (NYSE: DFS). DCI is a proprietary, global payment network comprised of 80+ licensee Participants. The Diners Club card is accepted globally and the licensees have operating rights to accept the card in more than 185 countries.
Each Participant operates under a license granted by DCI which may give the Participant the right to issue DCI cards to customers in a specific geographic territory, and/ or to establish and maintain relationships with merchants in order to facilitate acceptance of the Diners Club card. DCI acts as a franchisor and relies on our licensee franchises to facilitate issuance or acquisition of card transactions. As a franchisor, DCI has responsibility to:
- Maintain a network of viable and reputable franchise Participants.
- Expand the DCI brand by introducing new products, features, and consumer awareness.
- Establish network operating rules and to ensure compliance with contractual obligations, and operating rules to mitigate any potential risk to the network.
- Facilitate the data transfer of cross-border participant transaction activity.
DCI does not directly issue cards or direct the daily activities of merchant acquiring. DCI’s prime responsibility is to manage the association of network participants, as they perform their card issuer and acquirer activities.
Under the licenses granted to its franchisees, DCI has traditionally entered into exclusive arrangements with its business partners for issuing and/or acquiring. In instances where acquiring exclusivity has served to constrain business growth, DCI has taken the strategic decision to open up the market to improve acceptance. Within the EU regulatory environment, DCI is a three party card scheme, including sub-licensees. Although not a dominant market share player, DCI considers that three party schemes are an important source of competition and should not be subject to regulation of interchange fees.
For more information please visit http://www.dinersclub.com/
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/
First Data enables payments around the world every second of every day for more than 6 million merchant locations, thousands of card issuers and millions of consumers. As the recognised global payments processing leader, First Data makes those payment transactions secure, fast and easy, whether the choice of payment is by debit or credit card, gift card, cheque or mobile phone, online or at the checkout counter.
Financial institutions and large and small businesses, as well as government agencies, rely on First Data to empower them to build stronger, more profitable customer relationships in a changing environment. Commerce continues to evolve and transform how consumers pay for goods and services — from Seattle to London to Shanghai. This transformation, something we call Universal Commerce, is a new reality where consumers expect a more integrated buying experience that’s quick and consistent everywhere, anytime. Empowered by unprecedented access to information and connected by smart devices, consumers want to buy goods and services and manage their money in the most convenient and personalized way, and they expect transactions to be easy, seamless and secure.
Operating in 34 countries around the world, First Data’s strategic focus is to understand this transformation and help our clients capture customer loyalty through solutions that capitalise on it. First Data’s innovations in mobile payments, eCommerce and prepaid solutions as well as payment processing, fraud protection and authentication solutions, online banking, cheque guarantee and verification services and point-of-sale (POS) services provide our customers the tools they need to navigate in a rapidly evolving Universal Commerce world.
For more information please visit www.firstdata.com
Ingenico Payment Services offers card-based payment solutions and whether they are local, international, in-store or via mobile shop the payment solutions are perfectly aligned from a single source.
The Ingenico Group is represented in over 125 countries and works closely with major financial institutions and global retailers. With high performance products and comprehensive services, Ingenico partners with 70% of the world’s 30 leading retail brands, enabling them to deliver their brand promise seamlessly and efficiently. With 250 payment methods, we offer merchants of all sizes and industries secure and simple payment solutions for an internationally successful business.
With three divisions, Ingenico Payment Services, Smart Terminals, and Mobile Solutions, we combine the most stable payment processing network with the latest payment technologies and innovative e-commerce solutions while offering comprehensive financial and marketing services. The protection of sensitive data is our highest priority. We therefore adhere to the most stringent standards in all areas of data protection and system security. The result: A perfect shopping experience for your customers.
Ingenico Payment Services is the only European single source provider of cashless payment solutions across all sales channels. With more than 150 international and local payment methods supported by perfectly aligned processes, we help merchants to manage, collect and secure their cross-channel payments and prevent fraud on digital transactions. In Germany, Ingenico Payment Services has become the most important partner for merchants who require innovative technologies and clever value-added services for cashless payments.
Two thirds of sales across Europe’s largest markets are generated through out payment solutions. 100,000 customers in Germany are testament to our strengths and performance. Quality of service you can rely on. Highly trained customer care agents are available for you around the clock and ensure the smooth operation of all payment systems.
For more information please visit http://payment-services.ingenico.com/int/en/
International Card Services BV (ICS) is the leading credit card specialist and largest credit card provider in the Netherlands. ICS has more than 25 years’ experience of issuing, promoting, managing and processing Visa and MasterCard transactions. It also offers customers a range of other financial services, such as insurance products and revolving credit facilities. ICS also offers cardholders many extra benefits, and our Service Desk is available 24 hours a day, 7 days a week.
For more information please visit https://www.icscards.nl/
SOFORT AG, based in Gauting near Munich (Germany), offers products and services for the secure purchase of goods and digital products on the Internet. The company is part of the Klarna Group, the leading European payment provider. Besides the payment method SOFORT Banking, SOFORT AG offers, among others, the online-verification system SOFORT Ident and SOFORT Banking Paycode. With the TÜV Saarland certified payment system SOFORT Banking, SOFORT AG is the market leader among the direct transfer methods in Germany and Austria, which operate based on online banking as we know it. More than 30,000 eCommerce shops process about three million transactions per month using SOFORT Banking. SOFORT Banking is available in eleven countries: Aside from Germany, the system works in Austria, Belgium, France, Hungary, Italy, the Netherlands, Poland, Spain, Switzerland and the UK.
For more information please visit https://www.klarna.com/international/
MobilePay is a digital payment service used by several million users and thousands of businesses in Denmark and Finland. We have an extensive range of solutions designed to cover every business need and requirement for receiving payment. MobilePay has head quarter in Copenhagen and offices in Finland and is distributed in collaboration with several Danish and Finish partner banks.
For more information please visit https://www.mobilepay.dk/
The MoneyGram International brand is recognized throughout the world as a leading global payment services company. The diverse array of products and services we offer enables consumers and businesses to make payments and transfer money around the world. From New York to Russia or London to India – in more than 197 countries and territories, MoneyGram’s money transfer service allows our consumers around the world to move money quickly and easily helping to meet the financial demands of their daily lives.
Our payment services also help businesses operate more efficiently and cost effectively. We offer our products and services to consumers and businesses through a worldwide network of 321,000 agent locations.
For more information please visit http://www.moneygram.com/
With the beginning of the new century and the new millennium, a new project was also born, wishing to assert itself in its market segment – Novacâmbios.
The world, and especially the financial sector, has become more complex and global than ever imagined. It was the meteoric development of the information technologies; it was the arising with all the vigour of the term “Global Village”, and to contribute to this concept was the emergence of a currency that one wants global – the Euro.
The Novacâmbios project was, over the years, gaining shape and developing. Thus, in a little over 16 years, this project has spread to six countries: Angola, France, Mozambique, Namibia, Sweden and Portugal, with a network of more than 180 branches and more than 600 employees. And we didn’t stop!
Today, we intend to continue developing ourselves and deepen this journey in order to strengthen our project, at the service of our customers, without ever ceasing to be… – A PROJECT.
Our range of services includes:
- Currency Exchange
- Money Transfer
- Tax Free
- Internet & Telephone
For more information please visit http://www.novacambios.com/en/
PSA – The Card-Service-Partner for Austrians Banks
As a reliable partner, we provide to the Austrian banks an efficient and high-quality platform for Debit Card Issuing and ATM Acquiring. Our experienced and motivated employees contributes to establish us as THE Austrian competence center for debit-based payments.
We provide our customers with innovative products and solutions in order to be optimally prepared for their business requirements.
- Leader in Debit Card Issuing- Support in Austria
- 8,9 Mio. cards in circulation
- 391 Mio. POS transactions in 2013
- 8-10 % growth p.a.
- Austrian market leader in ATM Acquiring
- currently 7917 ATMs
- 145 Mio. withdrawals in 2013 at home and abroad
- Efficient structure with a focus on business development
- Customer Service
- ONE Hub for all Austrian Banks
- Infrastructure and technical solutions platform
- Processing outsourced to achieve maximum economies of scale
For more information please visit https://www.psa.at/
PayPal allows any business or individual with an email address to securely, conveniently and cost-effectively send and receive payments online. Our network builds on the existing financial infrastructure of bank accounts and credit cards to create a global, real-time payment solution. We deliver a product ideally suited for small businesses, online merchants, individuals and others currently underserved by traditional payment mechanisms.
The size of our network and widening acceptance of our product have helped us become one of the leading payment networks for online auction websites, including eBay. PayPal is also being increasingly used on other ecommerce sites for the sale of goods such as electronics and household items, the sale of services such as web design and travel, and the sale of digital content. Offline businesses, including lawyers, contractors and doctors, have increasingly begun to receive payments online through PayPal. PayPal’s service, which lets users send payments for free, can be used from computers or web-enabled mobile phones.
PayPal Inc. (which is a parent company of PayPal (Europe) S.à r.l. et Cie, S.C.A.) was acquired by eBay in October 2002, and is located in California, USA.
PayPal (Europe) S.à r.l. et Cie, S.C.A. is duly licenced as a Luxembourg credit institution in the sense of Article 2 of the law of 5 April 1993 on the financial sector as amended and is under the prudential supervision of the Luxembourg supervisory authority, the Commission de Surveillance du Secteur Financier, with registered office in L-1150 Luxembourg.
For more information please visit www.paypal.com
At Paysafe, we are building the future in payments – an ever-evolving platform that meets the needs and expectations of tomorrow’s businesses and consumers.
Having been at the centre of innovation in payments since 1996, we understand how to stay ahead of the curve. How to anticipate new customer needs. How to react to changes in regulation. How to leverage new technologies. How to adapt and be agile. This is what defines us. That’s why at Paysafe, you will see a portfolio and set of capabilities that is always growing. Never standing still, never complacent.
From cash to digital currency; from all-in-one processing to multi-currency consumer wallets and remittance; from order-ahead mobile apps to consumer credit solutions, our unique portfolio for merchants, partners, developers and consumers comprises industry-leading capabilities in payment processing, digital wallets and online cash solutions.
For more information please visit www.paysafe.com
PayU was established in November 2006. The aim of the company is to integrate existing online payment services and create new ones as well as provide tools which facilitate e-commerce activities. PayU combines innovative solutions, security and technological reliability, offering effective support mainly for e-commerce but it is also experienced in creating settlement tools.
PayU is a share company properly registered and recorded in Poland with share capital amounts to 4,000,000.00 PLN – paid in full.
By a decision of the President of the National Bank of Poland, PayU has been granted the Settlement Agent status June 2007 and in November 2013 a PSD license was issued by Polish financial supervision authority (KNF).
PayU is leading payment services provider in Poland and also operates in other major Central and Eastern European Countries.
In Poland, the most known platforms are Allegro.pl, otomoto.pl, otoDom.pl, otoPraca.pl, otoWakacje.pl, PayU.pl, tablica.pl, Oferia.pl, Ceneo.pl, CoKupic.pl, iStore.pl and Bankier.pl. In Czech Republic the platforms are as follows: aukro.cz, otomoto.cz, payu.cz, bezrealitky.cz, hotel.cz, spa.cz, turistik.cz, hory.cz, i-developer.cz, livingcity.cz. There are also platforms in Slovakia (Aukro.sk, Tetaberta.sk), Hungary (vatera.hu, teszvesz.hu, vateraauto.hu, otomoto.hu and arukereso.hu), Romania (tizo.ro, trendzone.ro, mercador.ro, autovit.ro and compari.ro and a payment platform PayU.ro), in Portugal (precos.com.pt), Bulgaria (aukro.bg, pazaruvaj.com, hitarpetar.bg and prodavalnik.com) in Greece (ricardo.gr) and in Norway (QXL.no).
For more information please visit http://www.en.payu.pl/about-payu/general-information
Payvision, independent payment solutions provider specialized in global card processing for the e-commerce market, offers Acquiring Banks, PSPs, ISOs and their Merchants a secure, PCI-DSS Compliant, PSD Licensed, international payment processing platform, enhanced with innovative technology. Payvision provides its customers with 24/7 Support, 150+ transaction currencies and regional card settlement currencies, a high-end reporting interface and a solid risk management solution.
As the Home State supervisor, the Dutch Central Bank has full supervision rights over Payvision’s payment services, including services provided by its agents in other EU jurisdictions.
Secondly, Payvision acts as a Payments Services Provider, rendering a wide variety of services, which includes Underwriting and Risk Management in Compliance with local legislation within the different regions. Thirdly, Payvision connects international Payment Services Providers to Acquiring Banks worldwide, providing PSPs, ISOs and MSPs access to e-commerce markets outside their reach.
Founded in 2002, Payvision is headquartered in Amsterdam and has expanded its global services in over 40 countries with offices in New York, Utah, Madrid, Paris, London, Berlin, Singapore, Tokyo, Hong Kong and Macau.
For more information please visit http://www.payvision.com/
Saxo Payments A/S is a Saxo Bank Group company licensed as a payment institution and specialized in global payments and FX conversions. Saxo Payments A/S delivers payment solutions that are specifically tailored for the needs of modern payment service providers, acquiring banks, e-invoicing companies and other financial tech businesses.
Its main product is SaxoPay – a solution that enables its clients to:
a) Utilize its global account infrastructure and hence:
– collect payments globally from the card schemes, mobile carriers or traditional banks.
– open and close accounts instantly in almost any jurisdiction worldwide.
b) Access its EUR 15B daily FX liquidity pool and hence
-automatically handle FX conversions with a minimum of risk; and
c) Access its low cost cross boarder module and hence
– remit payments to merchants in almost any country worldwide as express on daily or weekly basis at very low prices in the clients’ own name.
The business model is based on a partnership model. Clients can stay conveniently focused on their main core while outsourcing the collection of payments, FX conversion and remittance to Saxo Payments A/S.
The philosophy is straightforward: Create the best and most suitable business environment for our clients through convenience and simplicity.
For more information please visit https://www.saxopayments.com/
From its inception in 1996, the Sigue Corporation family of companies has been dedicated to providing excellence in all aspects of money transfer services. In the first few years, Sigue captured market share and expanded operations to over 15 Latin American countries and has successfully started and expanded a substantial proprietary network of independent facilities in Mexico and elsewhere. By the late 2000s, the company had further consolidated its leadership position in the US to Latin American corridors through a series of domestic acquisitions. In 2011, Sigue went global, acquiring a company with extensive international operations. Overnight, Sigue became the top privately held global provider of remittance services.
Sigue is now among the top five companies in the Money Transfer Business serving millions of people worldwide. The company has grown from a regional player to a national brand, and despite economic slowdowns, to become a global force expanding to over one hundred countries on 6 continents, with a network of thousands of pay locations and offices strategically located around the world. Internationally, Sigue’s global arm is headquartered in London and is a UK payment institution duly authorized to do business in 30 European Economic Area Member States, in order to provide money remittance services pursuant to Directive 2007/64/EC (PSD).
For more information please visit https://international.sigue.com/
Six Payment Services offers financial institutions and merchants secure innovative solutions along the entire value chain of cashless payments and set standards with regard to flexibility and client proximity.
As one of Europe’s largest transaction processors, Six Payment Services supports financial institutions in processing their entire card portfolios. Six Payment Services ensures the payment procedure is efficient and secure for card issuers (issuing) and card acceptance (acquiring) for transnational card programs. Its modular offering includes comprehensive solutions for acquirers and issuers and is complemented by intelligent solutions for risk management and combating abuse as well as for electronic invoice processing. In addition, Six also operates the SIC and euro SIC payment systems for interbank payments in Swiss francs and euro.
As one of the leading acquiring companies in Europe, Six Payment Services concludes agreements with merchants for the acceptance of all conventional credit and debit cards. With innovative add-on solutions such as the dynamic foreign currency translation at the point of sale (DCC) or the option to upload credit for prepaid mobile phones at the POS and ATM, Six is ensuring greater efficiency and client acceptance. There is also a wide range of the most modern payment terminals for every area of application as well as tailor-made and integrated industry solutions for restaurants, hotels, parking and gas stations for card-on-site environments and in the entire E-/M-commerce area.
With around 1,000 employees and 13 locations worldwide Six Payment Services manages clients in 33 countries and are thus one of the largest subsidiaries of SIX. SIX is a global provider of best-in-class services in securities trading and settlement, financial information and payments.
For more information please visit http://www.six-payment-services.com/
With over 50 years of retail financial services experience, the Small World Financial Services Group is one of the worlds largest money transfer business with operations in 12 EU and North American countries. It facilitates payments to over 150 countries for millions of customers every year.
Small World is the fastest growing money transfer operator in Europe. Small World is a pan-European group with operations in more than 10 EU countries, through hundreds of stores and many thousands of agents. Its product range includes International Money Transfer, Foreign Exchange, Payments, Remittances,prepaid cards and cheque cashing services.
For more information please visit http://www.smallworldfs.com/
Trustly is a Swedish Payment Institution, developing and selling online payment solutions. We make direct bank e-Payments possible by providing a payment initiation service which enables consumers to effect payments through their online banks. Trustly currently enables online bank account holders in all major banks in Sweden, Finland, Denmark and Spain to pay with Trustly’s e-Payments product. Trustly has processed bank payments in excess of 1 billion Euro since its foundation in 2008.
Trustly’s direct bank e-Payments product is developed with security and convenience in mind and can be applied to both C2B and C2C payment solutions. Consumers can pay securely with Trustly on a website or mobile device without the need to sign up or learn a new process, while at the same time benefiting from the highest security standard available for online payments – online banking authentication. Merchants are enabled to receive payments from customers in a broad range of banks across multiple countries through one agreement and one integration. The payer is identified in connection with payment execution by agreeing to passport her KYC data, enabling effective AML checks.
For more information please visit http://www.trustly.com/
De vertegenwoordiger van dienstverleners in betalingsverkeer met een registratie of vrijstelling als Betaalinstelling of Elektronischgeldinstelling. Focus ligt op belangen behartigen bij wet- en regelgeving en het delen van relevante brancheinformatie met leden. Benieuwd wat PSD2 voor uw organisatie inhoudt? Dan is het zaak u aan te sluiten!
For more information please visit https://www.vbin.nl/
VocaLink is a payment systems company headquartered in the United Kingdom, created in 2007 from the merger between Voca and LINK. It designs, builds and operates the UK payments infrastructure, which underpins the provision of the Bacs payment system, the Direct Debit system, the UK ATM LINK switching platform covering 65,000 ATM’s and the UK Faster Payments systems.
VocaLink processes over 90% of UK salaries, more than 70% of household bills and 98% of state benefits. In 2013 the company processed over 10.5 billion UK payments with a value of over £5 trillion. In July 2016 MasterCard purchased a 92% stake in the company, with the remainder to be held by UK banks for a period of three years.
For more information please visit https://www.vocalink.com/
The Western Union Company is a leader in global payment services. Together with its Vigo, Orlandi Valuta, Pago Facil and Western Union Business Solutions branded payment services, Western Union provides consumers and businesses with fast, reliable and convenient ways to send and receive money around the world, to send payments and to purchase money orders. As of April 24, 2012, the Western Union, Vigo and Orlandi Valuta branded services were offered through a combined network of approximately 500,000 agent locations in 200 countries and territories. In 2011, The Western Union Company completed 226 million consumer-to-consumer transactions worldwide, moving $81 billion of principal between consumers, and 425 million business payments.
EPIF member Western Union Payment Services Ireland Limited (WUPSIL) is a Payment Institution authorized to provide money remittance services under the Payment Services Directive (PSD) and supervised by the Central Bank of Ireland (CBI). WUPSIL belongs to the Western Union group of affiliated companies, the ultimate parent entity of which is The Western Union Company, listed on the New York stock exchange Western Union is a global leader in money transfer services for consumers (‘money in minutes’) and businesses (‘Western Union Business Solutions’).
As the Home State supervisor of WUPSIL, the Central Bank of Ireland has full supervision rights over WUPSIL’s money transfer services, including the services provided by its agents, throughout the entire EU/EEA.
WUPSIL provides money remittance services as defined in the PSD throughout the EU/EEA primarily via a large network of unaffiliated third parties, so-called ‘agents’, as is customary in the remittance industry. The WUPSIL money transfer services can be initiated in person (walk-in service), or via other channels such as phone or internet. The funds may be received in cash at a location or through an ATM or via other channels such as bank accounts, pre-paid cards or mobile wallets.
The provision of money remittance services does not involve making a deposit or holding payment accounts for customers, as recognized in the definition of ‘money remittance’ in the PSD (Art. 4 (13) PSD).
WUPSIL maintains 12 administrative offices in Vienna (Austria), Brussels (Belgium), Paris (France), Frankfurt (Germany), Athens (Greece), Rome (Italy), Amsterdam (The Netherlands), Warsaw (Poland), Bucharest (Romania), Madrid (Spain), Stockholm (Sweden) and London (United Kingdom) in order to support the money transfer services provided via the regional agent network. These offices do not offer any payment service themselves and thus do not constitute ‘branches’ as defined in the PSD. The WUPSIL staff housed in these regional offices includes agent support and regional sales teams, anti-money laundering compliance, systems, legal or operational experts.
WUPSIL has close to 400 employees comprising 25 nationalities.
For more information please visit http://www.westernunion.com
Worldpay has a long history of working closely with our merchant customers to help them prosper. We have played a pioneering role in developing technology solutions for in-store, online and mobile payments over the last 30 years.
Worldpay has an exciting pipeline of transformational products and services in pilot and development for 2016 and beyond. We are now in the final stages of creating a state-of-the art technology platform to support our growth over the long term, to enhance reliability and security, and to better serve our customers.
For more information please visit http://www.worldpay.com/