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/

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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/

About Checkout.com
Checkout.com helps companies accept more payments around the world through one integration. Their unified global payment processing platform features in-country acquiring, relevant payment methods, feature parity across geographies, fraud filtering, and reporting features, via one API. Businesses use Checkout.com’s proprietary payment platform for faster processing speeds, better reliability, and full access to customizable data streams. Processing 150+ currencies, Checkout.com has direct access to Visa, Mastercard, American Express, all major international cards as well as popular alternative and local payment methods. Their payment experts work with global businesses like TransferWise, Deliveroo, EasyGroup and Samsung to optimize their payments with real-time data.

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

DCC Payments is a fintech company that provides custom made financial solutions for small, medium and large enterprises. Passion for creating state-of-the-art solutions and guiding the retail and hospitality experience is the fuel for what we do. Take payments wherever your business takes you, our solutions are designed to meet your payment needs. Our goal is to help our customers be more successful and efficient in their business through our peripherals, services, and solutions on a global scale.

For more information please visit https://dccpayments.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:

1. Maintain a network of viable and reputable franchise Participants.
2. Expand the DCI brand by introducing new products, features, and consumer awareness.
3. Establish network operating rules and to ensure compliance with contractual obligations, and operating rules to mitigate any potential risk to the network.
4. 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/

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/

FIS is a leader in technology and services that helps businesses and communities thrive by advancing commerce and the financial world.

For over 50 years, FIS has continued to drive growth for clients around the world by creating tomorrow’s technology, solutions and services to modernize today’s businesses and customer experiences. By connecting merchants, banks and capital markets, we use our scale, apply our deep expertise and data-driven insights, innovate with purpose to solve for our clients’ future, and deliver experiences that are more simple, seamless and secure to advance the way the world pays, banks and invests.

Headquartered in Jacksonville, Florida, FIS employs more than 55,000 people across 50+ countries, dedicated to helping our clients be ahead of what’s next. FIS offers more than 450 solutions and processes over $75b of transactions around the planet. FIS is a Fortune 500® company and is a member of Standard & Poor’s 500® Index.

For more information please visit https://www.fisglobal.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/

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/

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

As a leading provider of digital payment services and related technology solutions across Europe, Nexi operates a deeply entrenched network which connects merchants, financial institutions, corporate customers and consumers, enabling them to make and receive digital payments as well as, increasingly, utilise value-added services to help them improve their respective activities. Nexi operates across the payment value chain from payment capture and authorisation through to processing, clearing and settlement.

For more information please visit https://www.nexi.it/en/about-us.html

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/

Ria Money Transfer (“Ria”) is a global leader in money remittances, with services in 149 countries and more than 361,000 locations. With Global Headquarters in California, USA, and multiple hubs and regional offices around the world.

Ria provides a secure, reliable and affordable way to send money via cash pick up, bank deposit, and home delivery as a convenient alternative to traditional banking services.

For more information please visit https://corporate.riafinancial.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/

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

Founded in 2016, Thunes is a B2B company that powers payments for the world’s fastest-growing businesses – from Gig Economy giants such as Uber and Deliveroo and Southeast Asia’s super-app Grab to global Fintech leaders such as PayPal and Remitly. Through a single, simple connection, consumers and businesses can send payments to – and get paid in – every corner of the world. Thunes currently supports 79 currencies, enables payments to 130 countries, and helps to accept 300 payment methods. In April 2022, Thunes acquired a controlling stake in a leading AML and Compliance Platform company Tookitaki, which now enables the company’s advanced compliance, anti-fraud, and anti-money laundering (AML) capabilities, setting an international benchmark for sustainable compliance. The company is headquartered in Singapore, with regional offices in London, Paris, Shanghai, New York, Dubai, Nairobi, Arizona, and Barcelona.

For more information please visit www.thunes.com

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

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

Founded in 2012, Zimpler is a Swedish FinTech company smack in the middle of next generation payments and Open Banking. We offer an account to account payment solution to companies that want an easy and quick way to offer incoming and outgoing bank payments for their users.

Our mission is to simplify transactions between people and business everywhere. By listening to the needs of our customers and partnering up with banks and financial institutions, we create custom solutions and find better, smarter, smoother, prettier, user friendlier and more innovative ways to do things.

Since Zimpler was founded it hasn’t stopped growing. In 2017 Deloitte ranked us as one of the fastest growing Tech companies in Sweden. In 2020 Zimpler experienced a 300% increase in revenue compared to previous year.

Zimpler is a licensed Payment Institution under the second payment services directive (PSD2) and operates under the supervision of the Swedish Financial Supervisory Authority in Europe

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