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X-BORDER PAYMENTSOPTIMIZATION TRACKERSEPTEMBER 2016

A MONTHLY UPDATE ON THE TRENDS AND PLAYERS DRIVING CROSS-BORDER PAYMENTS

The X-Border Payments Superhighway

Coinify raises $4 million to support global expansion plan

Allpago sees 150 percent growth in volume of transactions with ACI Worldwide

Worldpay expands services in Australia

Creditcall earns Mastercard accreditation

© 2016 PYMNTS.com all rights reserved 2

X-Border Payments Optimization Tracker™

Table of Contents

03

04

07

08

13

14

15

19

75

What’s Inside

Cover Story

Methodology

Top 25 Rankings

Watch List – New Additions

X-Border Payments Optimization LandscapeTM

News & Trends

Scorecard

About


What’s Inside

With so many avenues for cross-border payment providers to explore and connect with new customers online, international expansion was top-of-mind recently for several of the biggest players from across the space.

From raising capital to acquiring licensing, payment providers took important steps toward broadening their global reach and delving into untapped markets.

While some companies recently announced plans to expand, others investigated acquisitions and mergers as possible ways to grow their foreign customer base.

Here’s a look at some recent X-Border news:One company with its eye trained on future international expansion is Alibaba, which actively discussed the subject with businesses from around the world. The Chinese online marketplace has expressed interest in acquiring ShopClues, an Indian online marketplace with an estimated value of more than $1 billion. If acquired, ShopClues may be merged with Paytm, another online marketplace in India in which Alibaba owns about a 40 percent financial stake.

Alibaba also is in talks with retailers and hotels in London about its plan to push Alipay, its payment service, into the U.K. The company wants to make its mobile wallet available to Chinese tourists visiting the U.K.

Meanwhile, global payments provider Worldpay announced its expansion in Australia after receiving its payments processing license to do business in the country. Multiple companies have already turned to Worldpay to handle their payment processing, including ASOS, Cathay Pacific Airlines, Digital World International, Expedia and Freelancer.

In addition to receiving proper licensing, companies also need to generate funding to support their international expansion mission.

Coinify made significant progress in this area by raising $4 million during a series A round of investing. The Danish blockchain currency provider intends to use the funds to back its global expansion plan.

The X-Border shipping challengeFor this month’s Tracker cover story, PYMNTS caught up with Shannon Scott, director of risk and payments at uShip, an online shipping marketplace, to discuss the logistics and challenges involved with handling cross-border payments.

X-Border September Tracker updates In this Tracker, we’ve featured more than 100 global payments service providers, with several additions, including First Atlantic Commerce, GoInterpay, Inpendium, PagBrasil, SecurionPay, and Yuupay. We’ve also updated scores in the provider directory.

http://www.pymnts.com/news/international/2016/alibaba-india-online-marketplace-shopclues-merger-paytm/

http://www.telegraph.co.uk/business/2016/08/20/alibaba-courts-london-retailers-in-chinese-payments-push/

http://www.worldpay.com/uk/about/media-centre/2016-08/worldpay-heads-down-under-with-australia-licence

https://news.coinify.com/press-release-coinify-investment-seb-seed-capital/

https://www.uship.com/


Cover Story

The X-Border Payments SuperhighwayWhile innovations in shipping and air transport technology have had their own impact on cross-border trade, the dawning and rise of the Internet may be the industry’s biggest shakeup yet.

According to Shannon Scott, director of risk and payments at uShip.com, an online marketplace for shipping and payment services, the Internet has made international commerce easier than ever and raised consumer expectations when it comes to cross-border shipping.

“Borders tend to be disappearing, and I think that’s due to the heavy focus on the Internet in general,” Scott told PYMNTS during a recent interview. “You can buy things from all the way across the world and never leave your living room.”

However, despite those improvements, international trade can still be fraught with complications, Scott said. While the Internet may be helping borders figuratively fade, it also brings new security risks and friction that can cause customers to abandon transactions as a result of language and currency barriers.

PYMNTS recently caught up with Scott to get her insights on how the Internet has changed the cross-border shipping industry, what friction still remains and the trends she sees emerging down the road.

Borders tend to be disappearing, and I think that’s due to the heavy focus on the internet in general.

“”


Cover Story

Breaking barriers, and borders, with the InternetThere’s no denying that the web has made long distances, even those that cross international lines, seem a bit shorter. With just a WiFi connection, people can now speak with friends and family anywhere in the world and even send money across continents with a few clicks of a mouse. According to recently released research, about $50 billion has been sent via mobile payments already, and that number is expected to almost triple by 2019.

Scott noted that connectivity has had a major effect not just on our social lives, but on the business world as well. Now that consumers are connected with nearly every corner of the globe, they expect to order and pay for goods as quickly and simply as they can call a faraway loved one.

“Barriers are being broken by the Internet in general,” Scott said. “[The web] gives people access to other parts of the world that they weren’t able to do business in before.... We’re able to access different markets like Brazil with never having to leave Austin, Texas or Amsterdam.”

Platforms like uShip work to use those tools to make trade easier. But not all obstacles are easy to overcome. Consumers can still experience resistance when dealing with retailers whose websites are in a foreign language or those that accept only currency they do not typically use. That friction can cause customers to become frustrated or disinterested and abandon their transactions.

To combat that, Scott and her team often partner with local payment processors. That way, customers can communicate with merchants without having to overcome a language barrier and can pay for transactions using their native currency. Currently, the company offers 19 different localized currencies available in more than 130 countries around the world.

“I think it’s challenging being in different markets globally, but luckily we’ve got a lot of good vendors in place that help us navigate those waters,” Scott said.

More international trade, more fraudWhile the Internet has brought with it an influx of international commerce, it has also brought along a less pleasant passenger: fraud.

Companies of all shapes and sizes that rely on the web to conduct their business have to deal with bad actors looking to infiltrate their inner workings and cause harm to them or their customers. What’s more, international transactions can be especially susceptible to hackers and other culprits, making security even more important.

... customers can communicate with merchants without having to overcome a language barrier... the company offers 19 different localized currencies available in more than 130 countries around the world.

“

http://www.pymnts.com/news/2014/mobile-payments-to-explode-by-2019/


Cover Story

In fact, according to Scott, the more countries any cross-border platform works with, the more chance there is for fraud. As a result, she and her team rely on security experts to provide top-notch solutions and keep transactions on the uShip platform safe.

But, Scott said, hackers and identity thieves are not the only instances of fraud against which she and her team must guard.

Because international transactions often involve parties who have different cultural norms and speak different languages, Scott explained, payment platforms often have to help solve disputes and accusations of impropriety.

“Mediating any fallout between users gets complicated once you’re talking about users who are in two different markets,” she said. “So uShip becomes the mediated platform that these two users are able to talk through.”

More barriers to fall?Before the Internet became an integral part of modern life, few could have imagined just how powerful it could be. Similarly, Scott said, it is hard to predict what future innovations will shape the future of cross-border payments and commerce.

For uShip’s part, the company plans to continue to work to in as many different markets as possible. Scott said the company is exploring expansion, among other countries, into Brazil — an important and appealing market that has some challenges and regulations that are particularly challenging to navigate.

For cross-border commerce as a whole, Scott said, she expects new technology, such as mobile capabilities, to continue to break down barriers in the industry in order to reduce friction and make international trade a simpler process.

Could it be that making an international payment may someday soon be as easy as clicking open a website?

... the more countries any cross-border platform works with, the more chance there is for fraud. As a result, she and her team rely on security experts to provide top-notch solutions and keep transactions on the uShip platform safe.

“


Methodology

X-Border Payments Optimization TrackerTM

The PYMNTS.com X-Border Payments Optimization Tracker™ is designed to provide an organizing framework for evaluating the many players that provide merchant payment processing services geared for cross-border payments.

Provider ProfilesWe identified leading cross-border payment service providers by researching numerous industry directories and Google searches. The list of providers will grow over time.

We researched provider websites to gather information on key attributes important to serving the needs of cross-border merchants. Scoring for the X-Border tracker includes:

Payment MethodsPayment methods, digital wallets, account-on-file, recurring billing, acquirers connected to, and acquirer services

GeographiesRegions served, currencies and languages, and office locations

Fraud ToolsPCI compliance, tokenization, 3D Secure, address verification services, order linking, proxy piercing, transaction scoring, end-to-end encryption, chargeback automation, IP geolocation, device fingerprinting, velocity checks, screening lists, outsourced operations

Risk/Compliance ServicesExport and tax compliance, tax burden, and merchant of record

Developer ToolkitsAPIs, eCommerce plug-ins, programming languages, shopping carts, account updater services

OmnichannelMobile and tablet POS, number of operating systems supported, and EMV


Top 25 Rankings

X-Border Payments Optimization TrackerTM Top 25

Rank Company Score

2536

2Checkout is a global payments provider that enables businesses and organizations to accept payments anywhere, anytime. The solution offers eight payment methods in 26 currencies, and can settle in 25 home currencies. 2Checkout offers both hosted checkout forms and APIs, and integrates with more than 100 shopping carts.

22 Tie

37IBM Payment Systems (IPS) is a global payment gateway and eCommerce checkout solution that integrates seamlessly into websites, mobile sites, smartphone apps and call center tools. An easy-to-use interface, combined with a fully localized payment checkout experience, implemented on a centralized platform, means global retailers can set up and manage a comprehensive local online payment solution...

22 Tie

37DialXS started in 2000 with payment solutions. The company is the partner for payment and telecom systems that allows consumers to make payments simply and safely.

22 Tie

37Computop is a global payment service provider (PSP) that provides eCommerce, point of sale, m-commerce and Mail Order and Telephone Order (MOTO) payments globally. The company, founded in 1997, is headquartered in Bamberg, Germany, with local teams in the U.S., U.K. and China. Computop processes transactions totaling $9+ billion per year, for over 2,800 large international merchants in retail...

20 Tie

39PagBrasil offers payment processing service in Brazil, designed for international payment providers and eCommerce platforms. PagBrasil enables customers to gain access to local payment methods and potentially increase sales in the country.

new

-2

-2

-2

-2


Top 25 Rankings

20 Tie

39Acapture, a global omnichannel PSP, designs solutions that eliminate the obstacles modern online merchants face in their payment processing and support cross-border growth. Acapture’s system features SlicePay for simplified allocation of funds to multiple parties from a single transaction, flexible reporting for improved data analysis, a one day integration using one RESTful API, a streamlined reconciliation process, 20 ecommerce...

1941

MasterCard is one of world’s best known online payment methods and dominant credit card brands. MasterCard is truly a global payment brand, supporting 150 currencies with over 35 million acceptance locations (point of sale and online) in over 210 countries.

1842

SecurionPay is a cross-device, online and mobile-based payment gateway that offers developers and end-users card payment services. The company’s APIs can support payment scenarios in a secure and efficient way.

1743

Since 2002, eMerchantPay has been a trusted payment service provider, partner and specialist that has delivered international online payment processing services to merchants across the globe. eMerchantPay’s payment processing solutions and fraud prevention services enable merchants to increase conversion ratios, expand customer reach and prevent fraud.

15 Tie

44Linkpay is a 100 percent cloud-built payment solutions platform. Its solutions help online and mobile businesses accept credit cards using cloud technology. Linkpay handles everything, including merchant accounts, gateway, storing cards, subscriptions, PCI security and direct payout to bank accounts.

new

-1


Top 25 Rankings

15 Tie

44BitPay is a payment service provider specializing in the peer-to-peer virtual currency bitcoin, which allows users to make instant transactions from anywhere in the world with no risk of fraud or chargebacks. Using BitPay, merchants can accept bitcoin as a payment method, just like they would with Visa, MasterCard, PayPal or cash. Merchants can choose what percentage of revenue is kept in bitcoin or converted to a fiat currency...

1448

Hyperwallet is a purpose-built payout platform that empowers businesses to quickly, cost-effectively, and transparently distribute funds to independent contractors, suppliers and resellers anywhere in the world. Hyperwallet’s payments platform and global settlement network enables businesses to distribute funds to 170+ countries in more than 150 currencies. The company’s range of flexible payout options includes local...

12 Tie

51First Data is a provider of payment technology and services solutions, with 24,000 owner-associates and operations in 35 countries. Businesses in nearly 70 countries use First Data to process nearly 2,000 financial transactions per second, totaling $1.8 trillion a year. First Data’s infrastructure consists of point-of-sale technology powered by analytics.

12 Tie

51Adyen is a payments technology company that provides businesses with a single global platform to accept payments anywhere in the world. Driven by a vision to improve customer experience, streamline processes and increase revenue, Adyen enables businesses to process payments across online, mobile and point of sale (POS), with over 250 payment methods and 187 transaction currencies.

1153

Vantiv is a leading payment processor differentiated by an integrated technology platform. Vantiv offers a comprehensive suite of traditional and innovative payment processing and technology solutions to merchants and financial institutions of all sizes, enabling them to address their payment processing needs through a single provider.


Top 25 Rankings

1054

Pitney Bowes offers global ecommerce solutions that manage the cross-border shopping experience including, website localization and management, fully-landed costs and compliance, payment processing and international logistics. Pitney Bowes helps retailers, brands and online marketplaces sell to customers in more than 220 countries and territories and more than 74 currencies.

8 Tie

55CyberSource is a wholly-owned subsidiary of Visa Inc. Over 400,000 businesses worldwide use CyberSource and Authorize.Net brand solutions to process online payments, streamline fraud management, and simplify payment security. The company maintains offices throughout the world, with regional headquarters in Singapore, Tokyo, Miami, Sao Paulo and Reading, U.K.

8 Tie

55Paysafe is a provider of payment solutions to businesses and consumers in 200 countries and territories. Merchants can use Paysafe´s services and gateway platforms on their websites to accept credit and debit card, direct-from-bank, and alternative and local payments. Paysafe was created in November 2015 as a result of the Optimal Payments’ acquisition of Skrill Group earlier that year.

757

Chase Paymentech provides products and services for point-of-sale and card-not-present environments. Chase Paymentech offers payment solutions such as credit and debit cards, international payments, and electronic check processing as well as digital, alternative and mobile payment options.

666

PayU is an online payment service provider in 16 high growth markets in Asia, Central and Eastern Europe, Latin America, the Middle East and Africa. Its local expertise enables it to provide specific solutions for each market. PayU is the e-payments division of Naspers Ltd., a multinational media group.


Top 25 Rankings

569

BlueSnap is a global payments technology company that optimizes global, mobile checkout and drives higher payment conversions by as much as 40 percent for eCommerce merchants worldwide.

475

Designed to increase speed to revenue while reducing risk, Digital River World Payments enables merchants of all sizes to process online payments through over 200 international payment options in more than 170 currencies. In 2014, Digital River World Payments processed more than $35 billion in online transactions across more than 240 countries and territories. In addition to international payment processing...

378

Worldpay provides an extensive range of technology-led payment products and services to over 400,000 customers, allowing them to accept more than 300 different payment types around the world. The company processes payments from geographies covering 99 percent of global GDP, across 146 countries and 126 currencies. Through a single integration, Worldpay provides an end-to-end service including acquiring...

281

ACI Worldwide, the Universal Payment (UP) company, provides electronic payments support to organizations around the world. ACI executes $14 trillion each day in payments and securities. In addition, the company provides electronic bill presentment and payment services. Through the company’s comprehensive suite of software and SaaS-based solutions, ACI delivers payments capabilities geared toward creating omnichannel...

184

Ingenico ePayments is the online and mobile commerce division of Ingenico Group. It combines GlobalCollect and Ingenico Payment platforms into a single organization.


Watch List

New Additions to the X-BorderTM Tracker

First Atlantic Commerce

GoInterPay

Inpendium

PagBrasil

SecurionPay

YuuPay


Indicates top scoring company in at least 4 categories. *Top 10 are based on final scores. There may be ties in each position, creating more than 10 companies per category.

The X-Border LandscapeTM

The X-Border LandscapeTM is a graphic representation of the Top 10 payment service providers in six categories important to optimizing a merchant’s cross-border payments operations. The highest ranked providers are listed to the right of the graphic.

Among the five new companies added to the Tracker, Acapture, Barclaycard and MultiSafepay broke into the Top 10 ranking.

Payment Methods

Geographies

Developer Tools

Risk and Compliance

Fraud Tools

Omnichannel

Industry standard Best-in-class


News & Trends

GeographiesWorldpay expands services in AustraliaWorldpay, a global payments provider, announced that it has expanded in Australia after receiving a license to process payments in the country. Several companies, including ASOS, Cathay Pacific Airlines, Digital World International, Expedia and Freelancer, have turned to Worldpay to handle their payment processing in Australia.

Coinify raises $4 million to support global expansion planDanish blockchain currency provider Coinify has raised $4 million in series A investment round to support its global expansion plan. The company’s investors include SEED Capital Denmark and SEB Venture Capital, which is active in the Baltic and Nordic countries.

Alibaba eyes ShopClues acquisition, possible merger with PaytmAlibaba has discussed acquiring ShopClues, an Indian online marketplace valued at more than $1 billion, to merge it with another Indian online marketplace, Paytm. The Chinese online marketplace behemoth owns about a 40 percent financial stake in Paytm, which would be bolstered if the company can acquire ShopClues.

Alibaba plans to make Chinese payments push in U.K.Alibaba, the Chinese online marketplace giant, has been in talks with hotels and retailers in London as it plans to push its payment service into the U.K. The company wants to establish Alipay, its mobile wallet, in the U.K. to enable tourists to pay for purchases while on vacation via the service.

PaymentAllpago sees 150 percent growth in volume of transactions with ACI WorldwideSince teaming up with ACI Worldwide, allpago has seen 150 percent growth in volume of transactions. Allpago, the top payment service provider in Latin America, credits the growth to leveraging the UP eCommerce Payments solution to allow retailers with global aspirations to offer local payment methods to their consumers.

Payza launches prepaid card internationallyPayza has announced the global launch of its Payza Prepaid Card. The U.K.-based payments technology platform provider previously launched the card late last year in Canada and the U.S. during a test period before introducing the product worldwide.

http://www.worldpay.com/uk/about/media-centre/2016-08/worldpay-heads-down-under-with-australia-licence

https://news.coinify.com/press-release-coinify-investment-seb-seed-capital/

http://www.pymnts.com/news/international/2016/alibaba-india-online-marketplace-shopclues-merger-paytm/

http://www.telegraph.co.uk/business/2016/08/20/alibaba-courts-london-retailers-in-chinese-payments-push/

https://www.aciworldwide.com/news-and-events/press-releases/2016/august/allpago-achieves-150-percent-growth-with-aci-worldwide-up-ecommerce-payments

https://blog.payza.com/in-the-news/media-coverage/payza-prepaid-card-broadens-horizons/


News & Trends

Equiniti International Payments shortlisted for Best International Money Transfer Solution AwardEquiniti International Payments announced that it has been shortlisted for the new “Best International Money Transfer Solution Award” at the 2016 Payments Awards. The category highlights the mobile, online or back-end platform that provides the most innovative ways for customers or companies to make global transfers or cross-border payments.

Global-e taps Paysafe as its merchant acquirer Global-e, a European cross-border eCommerce company, has tapped global payments provider Paysafe as its merchant acquirer. Using Paysafe’s processing platform, Global-e’s customers can make frictionless payments and also use settlement and processing currencies.

OmnichannelVantiv wins vendor award at 2016 RetailNOW trade showVantiv Integrated Payments has announced that it recently received the Vendor Award of Excellence in Electronic Payments at the Retail Solutions Providers Association trade show. The company received the award for the eighth consecutive year at the trade show in Texas.

Creditcall receives Mastercard accreditationCreditcall has received the Mastercard Emerging Payment Support Accreditation in the Guidance and Technical Support to Acquirers categories. The credit card company accredited the omnichannel payment gateway and EMV kernel provider because Creditcall offers Mastercard consumers support with their emerging payments and also technical assistance for their EMV contact and contactless payments.

Ingenico Group, Alipay partner to provide online, in-store payment solutions European merchantsIngenico Group, a global payment provider, and Alipay, China’s largest online payments platform, have partnered to provide European acquirers and merchants with online and in-store payment solutions. The solutions allow Chinese customers to use the mobile payment app while visiting Europe in stores that employ the app.

Pitney Bowes, ActivePath bring new digital design, delivery capabilities to market Pitney Bowes has partnered with ActivePath to bring digital engagement solutions to market. ActivePath’s technology will be merged with Pitney Bowes’ EngageOne Digital Designer and Digital Delivery platforms. The digital offerings allow users to design interactive communication websites, emails, push notifications and SMS.

https://www.equinitiinternational.com/news/news/2016/08/equiniti-international-payments-shortlisted-as-best-international-money-transfer-solution/

https://www.paysafe.com/latest-news-announcements-and-press-releases/news-article-other-s/news-article-featured-s/news/detail/News/global-e-appoints-paysafe-as-merchant-acquirer/

http://investors.vantiv.com/phoenix.zhtml?c=250843&p=irol-newsArticle&ID=2193555

https://www.creditcall.com/creditcall-receives-mastercard-emerging-payment-support-accreditation-mepsa

https://www.ingenico.com/press-and-publications/press-releases/all/2016/08/alipay-partnership.html

http://finance.yahoo.com/news/pitney-bowes-announces-alliance-activepath-120000819.html


News & Trends

Risk And ComplianceReport says U.K. SMEs paying outlandish X-Border feesA recent report by cross-border payment company Covercy claims that small businesses in the U.K. are paying exorbitant fees for their global transactions. The report found that small and medium-sized companies with at least 20 $13,000 monthly transactions typically spend $2,700 a month on fees alone.

FraudWargaming chooses ACI Worldwide for global payments fraud managementWargaming has selected ACI Worldwide for its international eCommerce fraud prevention solution. The online gaming developer rolled out ACI ReD Shield a real-time fraud management solution, across Europe.

ACI Worldwide incorporates Ethoca Alerts into international eCommerce Payments platformACI Worldwide has integrated Ethoca Alerts, which gives PSPs, acquirers, processors and their merchant consumers a way to enhance their defenses against fraud with card issuer-confirmed fraud and customer dispute data. ACI merged the alerts system with its UP eCommerce Payments solution, making it available to PSPs around the world.

CyberSource launches Loyalty Fraud Management Solution CyberSource has announced the launch of its Loyalty Fraud Management Solution, which helps companies protect against fraudulent account creation. The service also seeks to protect consumers from unauthorized use of loyalty accounts.

Developer ToolsDigital River named as a Retail Systems Award finalistDigital River, Inc., has been named as a finalist for the Retail Systems Award for Online Solution of the Year for its digital agency, MarketForce, which allows site optimization techniques that have decreased overall virtual checkout cart confusion. The solution was designed to improve a consumer’s shopping experience and eliminate barriers to finalizing an online purchase.

BlueSnap integrates Visa Checkout with its Powered Buy PlatformGlobal payments technology company BlueSnap has announced that Visa Checkout is available via its Powered Buy Platform to provide retailers with a seamless checkout experience for shoppers. The integration provides merchants with a solution to the checkout abandonment problem many retailers face today.

http://www.pymnts.com/news/b2b-payments/2016/sme-bank-fee-uk-cross-border-payment-transaction-international-export-global/

https://www.aciworldwide.com/news-and-events/press-releases/2016/august/wargaming-selects-aci-worldwide-for-global-payments-fraud-management

https://www.aciworldwide.com/news-and-events/press-releases/2016/august/aci-worldwide-integrates-ethoca-alerts-into-global-ecommerce-payments-gateway

https://www.cybersource.com/about/news_and_events/archive/2016/pr_loyalty_fraud_solution/

http://www.digitalriver.com/our-company/newsroom/press-release/digital-river-announced-as-a-retail-systems-awards-finalist/

http://www.businesswire.com/news/home/20160808005050/en/BlueSnap-Integrates-Visa-Checkout-Bring-Frictionless-Checkout


News & Trends

Sage Payments launches developer portalSage Payments Solutions has launched its Sage Payments Developer Portal, which is an enterprise-level API developer solution. The platform helps developers quickly merge payments with their mobile apps, software and websites.

Pitney Bowes selects six startups in IndiaGlobal technology company Pitney Bowes has chosen six startups for its summer session of its Accelerator Program. The companies, which have access to Pitney Bowes’ APIs and software for six months, selected to participate in the program include eCourierz, Infinite Analytics, Medimojo, Niki, Sponsifyme and Wedosky.

BlueSnap launches developer-focused checkout solutionsBlueSnap recently launched a suite of developer-focused solutions, including a comprehensive Developer Hub and an Android SDK. The solutions are aimed at helping developers create solutions that make the checkout process as smooth as possible for shoppers.

http://www.digitaltransactions.net/news/story/Sage-Payments-Developer-Portal-is-the-go-to-platform-for-ISV-and-development-partners

https://au.finance.yahoo.com/news/pitney-bowes-accelerator-program-inducts-040500652.html

http://www.businesswire.com/news/home/20160811005541/en/BlueSnap-Empowers-Developers-Frictionless-Checkout-Solutions


Scorecard – Providers are listed in alphabetical order

The PYMNTS.com X-Border Payments Optimization Tracker™ is designed to provide an organizing framework for evaluating the many players that provide cross-border merchant payment processing services.

Provider profiles include company overviews, the year the company launched, and number of customers and annual revenue, when available. Profiles also include a total score derived from quantifying the services offered in each of six areas important to cross-border payments:

Directory listings begin on next page

PaymentMethods Omnichannel

FraudTools

DeveloperTools

Risk andCompliance Geographies

SCORE


Scorecard

Payments Omnichannel

Fraud Developer

Risk Geographies


Fraud Developer

Risk Geographies

3

0

67

5

0

21

2C2P (Cash and Card Payment Processor) is a Southeast Asian comprehensive payment solutions provider aiming to transform millions of everyday payments across Asia. The company offers a number of services tailored for the needs of eCommerce and m-commerce merchants, banks and financial institutions of all sizes.

Launch Date: 1999Customers: 50,000Pricing: 2.9% + $0.30

173

8 6

3

30

Launch Date: 1999Customers: 100,000

2000Charge/Global Clearing Solutions specializes in alternative payment solutions, covering a broad spectrum of payment methods and target markets. 2000Charge provides a complete solution that includes integration, end user support, transaction management tools, geotargeting, fraud controls and more.


Scorecard


Fraud Developer

Risk Geographies


Fraud Developer

Risk Geographies

28

5 0

8

44

7

Abilipay Ltd. is an outsourcing service provider that specializes in payment processing, risk management, billing and credit control. The company’s efforts are geared toward Web-based merchants, covering a wide range of payment methods and target markets.

Launch Date: 2004

4 6

36 9

130

4

2Checkout is a global payments provider that enables businesses and organizations to accept payments anywhere, anytime. The solution offers eight payment methods in 26 currencies, and can settle in 25 home currencies. 2Checkout offers both hosted checkout forms and APIs, and integrates with more than 100 shopping carts.

Launch Date: 1999Customers: 50,000Pricing: 2.9% + $0.30


Scorecard


Fraud Developer

Risk Geographies


Fraud Developer

Risk Geographies

39

9 6

8

90

7

Acapture, a global omnichannel PSP, designs solutions that eliminate the obstacles modern online merchants face in their payment processing and support cross-border growth. Acapture’s system features SlicePay for simplified allocation of funds to multiple parties from a single transaction, flexible reporting for improved data analysis, a one day integration using one RESTful API, a streamlined reconciliation process, 20 ecommerce platform plugins and the ability to handle 60+ of the most popular alternative payment methods and 150+ transaction currencies.

Launch Date: 2015

18

1 0

3

70

7

Accertify Inc., a wholly-owned subsidiary of American Express, is a provider of fraud prevention, chargeback management and payment gateway solutions for merchants spanning many industries worldwide. Accertify’s suite of products and services helps eCommerce companies grow their business by driving down the cost of fraud, simplifying business processes, and ultimately increasing revenue.

Launch Date: 2000


Scorecard


Fraud Developer

Risk Geographies


Fraud Developer

Risk Geographies

19

8

1216

15

11

81

ACI Worldwide, the Universal Payment (UP) company, provides electronic payments support to organizations around the world. ACI executes $14 trillion each day in payments and securities. In addition, the company provides electronic bill presentment and payment services. Through the company’s comprehensive suite of software and SaaS-based solutions, ACI delivers payments capabilities geared toward creating omnichannel experiences.

Launch Date: 1975Customers: 130 payment service provider clients + 300 Tier One merchantsVolume: $450 B

10

4

1513

9

0

51

Adyen is a payments technology company that provides businesses with a single global platform to accept payments anywhere in the world. Driven by a vision to improve customer experience, streamline processes and increase revenue, Adyen enables businesses to process payments across online, mobile and point of sale (POS), with over 250 payment methods and 187 transaction currencies.



Scorecard


Fraud Developer

Risk Geographies


Fraud Developer

Risk Geographies

11

8

07

3

0

29

Allied Wallet continues to influence the eCommerce industry by introducing new and innovative payment processing solutions for online merchants, helping them to send and receive global payments. With PCI compliant merchant services for businesses of different sizes, Allied Wallet provides a state-of-the-art payment gateway to optimize online transactions.

Launch Date: 2002Customers: 125 million usersPricing: 1.95% +$0.20

6

0

67

0

0

19

Launched in 2004 as an important participant in Alibaba Group’s ecosystem, Alipay provides secure, trustworthy, and convenient online and mobile payment services. Alipay currently collaborates with over 200 financial institutions and provides payment solutions for nearly 10 million small and micro businesses. As of December 2013, Alipay reached 300 million real-name registered users.

Launch Date: 2004Customers: 300 million usersPricing: 2.0% - 3.0%

Updated!


Scorecard


Fraud Developer

Risk Geographies


Fraud Developer

Risk Geographies

3

4

08

3

0

18

AltaPay is a global payment management company, headquartered in Copenhagen, Denmark. Founded in 2008, the company (formerly known as Pensio) provides eCommerce businesses with global payment processing solutions. AltaPay’s customers include Arvato Bertelsmann, boohoo.com, ECCO, Kate Spade, Live Gamer, and Toys “R” Us.

Launch Date: 2008Customers: 40

3

7

04

1

4

19

allpago operates as a payment gateway in Latin America, serving merchants and payment service. With one integration, it provides access to Visa, MasterCard, Diners, Amex, Discover, Elo, Boletos (Itaú, Bradesco), PayPal Brazil and over 150 payment methods worldwide. An API solution with a full set of transaction and post-transaction operations allows the solution to have 100% ERP integration.

Launch Date: 2008


Scorecard


Fraud Developer

Risk Geographies


Fraud Developer

Risk Geographies

5

7

65

3

0

26

Alternative Payments Inc. provides online merchants with a complete set of payment solutions tailored to local markets around the world. Provides solutions for billing the 65% of Europeans that do not have credit cards. Processes any currency and settle in-bank account in US Dollars or Euros. Offers local language support & geo-targeting forms.

Launch Date: 1999Pricing: 3.85% + €0.20

4

5

011

2

0

22

Checkout by Amazon is a complete checkout and payment solution for eCommerce retailers. Merchants can offer the solution as a checkout or payment option on their retail websites, enabling millions of Amazon customers to make purchases using the information stored in their existing Amazon.com accounts.

Launch Date: 2007Pricing: 2.9% + $0.30


Scorecard


Fraud Developer

Risk Geographies


Fraud Developer

Risk Geographies

7

7

010

5

0

29

Apco Pay is is the online payment solutions branch of Apco Group. Apco is a provider of hardware and automation products to the banking industry. The company is headquartered in Malta, with operations in 25 countries. Apco was recently acquired by PTLi, part of the Hili Ventures.

Launch Date: 1984

3

8

154

3

0

33

American Volume is a US and European Non Bank Acquirer and a Principal Member of VISA and MasterCard, providing payment solutions for E-Commerce, Mobile and Retail merchants. Provides online credit & debit card processing including Visa, Mastercard, Discover and American Express.

Launch Date: 2012


Scorecard


Fraud Developer

Risk Geographies


Fraud Developer

Risk Geographies

3

3

124

7

0

29

Since 1996, Authorize.Net has been a provider of payment gateway services, managing the submission of billions of transactions to the processing networks on behalf of merchant customers. Authorize.Net is a solution of CyberSource Corporation, a wholly owned subsidiary of Visa.


3

3

311

3

0

23

Since 1987, Auric has been producing affordable and accessible payments processing solutions. As a payment application solutions provider, Auric aims to transform payments security and provide high-quality solutions that empower businesses with safe payments processing and PCI compliance. The company serves customers ranging from small and medium-sized businesses to some of the world’s largest companies and public sector organizations.

Launch Date: 1987Pricing: $250/month


Scorecard


Fraud Developer

Risk Geographies


Fraud Developer

Risk Geographies

4

3

63

3

8

27

Bango powers payment and analytics on the mobile Web. The solution’s presence across the Web creates a platform effect for partners by identifying hundreds of millions of users and maximizing the number of one-click payments. Bango’s customers include Facebook, BlackBerry World, Windows Phone Store, Amazon, CNN, Cartoon Network and EA Mobile.

Launch Date: 1999Customers: 1 billion userPricing: 2% - 5%

15

3

01

3

8

30

Avangate is a digital commerce provider that enables the new services economy, helping software, cloud and online services companies sell their products and services via any channel, acquire customers across touchpoints, increase retention, leverage smarter payments, experiment on the fly and optimize their business in order to increase overall revenue.

Launch Date: 2006Pricing: 4.9% + $2.5


Scorecard


Fraud Developer

Risk Geographies


Fraud Developer

Risk Geographies

5

5

121

2

0

25

Barclaycard, part of Barclays Bank PLC, is a global payment business that helps consumers, retailers and businesses to make and take payments flexibly, and to access short-term credit and point of sale finance. The company is a pioneer of new forms of payments and is at the forefront of developing viable contactless and mobile payment schemes for today and cutting edge forms of payment for the future.

Launch Date: 1966Customers: 23,500,000Volume: $371B

3

3

60

6

0

18

Bank of America Merchant Services, a joint venture between First Data and Bank of America, provides payment solutions by combining the technology and innovative products of First Data with the relationship strength and prominent global brand of Bank of America. Bank of America Merchant Services delivers payments, commerce, security and advice through more than 100 products and services to merchants of all sizes.

Launch Date: 2009Customers: 300,000Volume: 13.5B annually


Scorecard


Fraud Developer

Risk Geographies


Fraud Developer

Risk Geographies

6

0

01

3

0

10

BitGold Inc. is a platform for savings and payments in gold. It provides users with a secure vault account to purchase gold using a variety of electronic payment methods and transaction capability including: instant cross-border gold payments, merchant invoicing and processing for gold, debit card spending of gold at traditional points of sale, conversions to a customer’s external digitalwallet or bank, and physical gold redemptions.

Launch Date: 2004Pricing: 1% fee on every purchase

8

6

04

3

0

21

BillPro offers secure payment solutions for low- and high-risk industries. BillPro offers credit card, eCheck, ACH and international bank payments for all business types. BillPro also offers a Level 1 PCI DSS Compliant payment gateway that is fully integrated with many of the world’s largest gateways and shopping carts.

Pricing: 2.1% - 3.5% fee


Scorecard


Fraud Developer

Risk Geographies


Fraud Developer

Risk Geographies

3

7

127

2

0

31

BluePay is a provider of technology-enabled payment processing for merchants and suppliers of any size in the United States and Canada. Through physical POS, online and mobile interfaces, as well as CRM and ERP software integrations, BluePay processes business-to-consumer and business-to business payments. The solution provides real-time settlement, reporting, and reconciliation, along with robust security features such as tokenization and point-to-point encryption.

Launch Date: 2003Customers: 36,000Volume: $11B

10

9

1211

2

0

44

BitPay is a payment service provider specializing in the peer-to-peer virtual currency bitcoin, which allows users to make instant transactions from anywhere in the world with no risk of fraud or chargebacks. Using BitPay, merchants can accept bitcoin as a payment method, just like they would with Visa, MasterCard, PayPal or cash. Merchants can choose what percentage of revenue is kept in bitcoin or converted to a fiat currency and direct deposited into their bank account. BitPay has also eliminated processing fees.

Launch Date: 2011Customers: 60,000Pricing: $0 transaction fees


Scorecard


Fraud Developer

Risk Geographies


Fraud Developer

Risk Geographies

8

0

60

0

0

14

Boku is a frictionless payment system that transforms mobile phone numbers into safe and secure payment instruments. In 2009, Boku partnered with mobile operators around the world to enable their subscribers to purchase virtual goods simply using their mobile numbers. With Boku, customers can charge their purchases directly to their mobile bills using just their mobile numbers.

Launch Date: 2009Customers: 3 million users

15

11

614

12

11

69

BlueSnap is a global payments technology company that optimizes global, mobile checkout and drives higher payment conversions by as much as 40 percent for eCommerce merchants worldwide.


Updated!


Scorecard


Fraud Developer

Risk Geographies


Fraud Developer

Risk Geographies

8

3

011

5

0

27

Braspag offers payment solutions in Latin America and the United States. In Brazil, it develops solutions for payment processing (payment gateways), reconciliation, anti-fraud, tokenization, checkout and hosted payment page. Braspag is a company of the Cielo Group.

Launch Date: 2005

6

7

67

9

0

35

Merchants in more than 40 countries across North America, Europe and Australia can accept payments in more than 130 currencies using Braintree.

Launch Date: 2007Volume: $12BCustomers: 40 million users


Scorecard


Fraud Developer

Risk Geographies


Fraud Developer

Risk Geographies

10

3

96

6

0

34

CardinalCommerce is the pioneer and global leader in enabling authenticated payment transactions in the card-not-present payments industry since 1999. Through one connection to its proprietary SafeCloud payment platform, CardinalCommerce enables friction-free, technology, neutral authentication and alternative payment services (including digital wallets and mobile commerce services).

Launch Date: 1999

4

0

31

3

0

11

B+S Card Service is a card acceptance service provider. It provides companies that wish to offer their customers cashless payment methods with the necessary infrastructure and all required services.



Scorecard


Fraud Developer

Risk Geographies


Fraud Developer

Risk Geographies

4

8

126

4

0

34

Cardstream is a Level 1 PCI DSS compliant independent payment service solution that provides merchants with a secure and reliable payment gateway for processing debit and credit card transactions online, with a secure and reliable payment gateway, or with a real-time virtual terminal for mail and telephone orders. Cardstream processes card payments for all the U.K. acquirers and several European acquirers across all card types, including China UnionPay, and for all worldwide currencies. Cardstream is also able to work with merchants and acquirer partnerships to source the best possible account rates for merchants.

Launch Date: 1999Customers: £18 Monthly fee; 6.57 pence per trans.

7

4

04

5

0

20

CardPay offers online credit card processing with no subscription fees for a wide range of currencies and payoffs. It also integrates user-friendly payment gateway solutions.

Launch Date: 2009


Scorecard


Fraud Developer

Risk Geographies


Fraud Developer

Risk Geographies

9

6

1515

12

0

57

Chase Paymentech provides products and services for point-of-sale and card-not-present environments. Chase Paymentech offers payment solutions such as credit and debit cards, international payments, and electronic check processing as well as digital, alternative and mobile payment options.


7

4

01

9

0

21

CashRun was established in 2007 with the objective of supporting businesses’ needs for effective and affordable online payment solutions. To date, CashRun has offices in Switzerland, the U.S., Germany, Singapore and China. With a strong global presence and various partnerships, CashRun supports businesses to develop their core competencies, protect and maximize their revenues and growth, and minimize the risks online fraud presents to their operations.

Launch Date: 2007


Scorecard


Fraud Developer

Risk Geographies


Fraud Developer

Risk Geographies

8

8

94

0

0

29

Coinify is a solution that allows people to buy and sell products and accept payments using bitcoin. The company enables merchants to accept bitcoin and get paid in local currency, eliminating the risk of chargebacks and fraud. Coinify offers online sellers seamless integration using payment buttons, shopping cart plug-ins and hosted invoicing. For brick-and-mortar shops, it offers desktop and mobile point of sale (mPOS) solutions.

Launch Date: 2010Pricing: 0%

7

7

07

2

0

23

Founded in 2010, with offices in London, Singapore, Dubai and Mauritius, Checkout.com provides customizable online payments products and services for small and large online merchants.

Launch Date: 2010Pricing: 2.95% - 3.95% + £0.15


Scorecard


Fraud Developer

Risk Geographies


Fraud Developer

Risk Geographies

4

0

154

3

0

26

Creditcall makes card acceptance simple from any device, anywhere. The solution can handle attended, unattended, online or mobile payments. Founded in 1996, Creditcall is a global business with offices in North America and Europe.

Launch Date: 1999Customers: 165 million usersVolume: 150 million transactions

5

5

912

6

0

37

Computop is a global payment service provider (PSP) that provides eCommerce, point of sale, m-commerce and Mail Order and Telephone Order (MOTO) payments globally. The company, founded in 1997, is headquartered in Bamberg, Germany, with local teams in the U.S., U.K. and China. Computop processes transactions totaling $9+ billion per year, for over 2,800 large international merchants in retail, travel and gaming.

Launch Date: 1997Customers: 3,000Volume: Transactions worth $10B in value


Scorecard


Fraud Developer

Risk Geographies


Fraud Developer

Risk Geographies

5

4

04

1

0

14

CURO Payments is a Collecting Payment Service Provider (CPSP) that offers global payment solutions to online sellers (business and ecommerce merchants). CURO payments is regulated by the Dutch Central Bank (DNB) and has a Cross-Border-Service Passport to almost every EU country. CURO payments supports the major credit card brands like MasterCard and Visa, alternative payment methods like iDEAL, SOFORT and BanContact/MisterCash and PayPal.

Launch Date: 2012

5

8

35

3

0

24

CX PAY B.V. is an independent payment gateway for merchant transactions, offering global card processing solutions to the local and international eCommerce industry. Based in Curacao and the Dutch Caribbean, CX PAY offers third-party integration, back office tools and fraud protection.

Launch Date: 2015Pricing: 1.8%-5.5% per transaction


Scorecard


Fraud Developer

Risk Geographies


Fraud Developer

Risk Geographies

5

0

61

2

0

14

Danal, Inc., a majority owned U.S. subsidiary of Danal Co., is a provider of mobile business solutions enabling payments, commerce services, targeted marketing, and wallet services optimized for display, mobile and integrated devices. Danal, Inc. provides its merchant customers access to 4 billion subscribers in over 80 countries, representing $2 billion in annual worldwide transaction processing volume. The company directly processes payments for all Tier-1 U.S. carriers.

Launch Date: 2006Volume: $2B

12

6

015

14

8

55

CyberSource is a wholly-owned subsidiary of Visa Inc. Over 400,000 businesses worldwide use CyberSource and Authorize.Net brand solutions to process online payments, streamline fraud management, and simplify payment security. The company maintains offices throughout the world, with regional headquarters in Singapore, Tokyo, Miami, Sao Paulo and Reading, U.K.

Launch Date: 1994Customers: 400,000Volume: $7.5B


Scorecard


Fraud Developer

Risk Geographies


Fraud Developer

Risk Geographies

8

8

68

3

4

37

DialXS started in 2000 with payment solutions. The company is the partner for payment and telecom systems that allows consumers to make payments simply and safely.

Launch Date: 2000

9

0

94

6

0

28

DataCash Group Ltd (part of MasterCard Incorporated) provides multi-channel global payment processing services and advanced fraud prevention and risk management solutions to merchants and banks. Advanced technology from DataCash enables customers to accept and process transactions in over 177 currencies from over 45 payment brands across eCommerce, m-commerce channels and cardholder present channels.



Scorecard


Fraud Developer

Risk Geographies


Fraud Developer

Risk Geographies

6

3

04

0

0

13

Earthport is a regulated global financial services organization specializing in cross-border payments. Earthport provides a cost-effective and transparent service for secure international payments, servicing banks, money transfer organizations, payment aggregators, eCommerce businesses and foreign exchange businesses. Earthport delivers a “global ACH” capability using an innovative payments framework specifically designed for high volumes of low value cross-border payments. This provides its clients with access to local clearing schemes in over 60 countries.

Launch Date: 1997Customer Focus: Banks, money transfer companies, eCommerce providers, and payment administrators

20

9

020

11

15

75

Designed to increase speed to revenue while reducing risk, Digital River World Payments enables merchants of all sizes to process online payments through over 200 international payment options in more than 170 currencies. In 2014, Digital River World Payments processed more than $35 billion in online transactions across more than 240 countries and territories. In addition to international payment processing, Digital River’s services include checkout page optimization, solutions to manage PCI exposure and currency risk, as well as advanced back-office reconciliation services and business intelligence tools.

Launch Date: 1994Customers: 11,000Volume: $35BCustomer Focus: Digital, E-retail, Gaming and Travel


Scorecard


Fraud Developer

Risk Geographies


Fraud Developer

Risk Geographies

7

7

68

6

0

34

eComCharge is an all-in-one developer, supplier and system integrator. The solution helps merchants receive eCommerce payments. eComCharge solutions serve both payment service providers and online businesses that sell their goods and services to customers around the world.

Launch Date: 2013Pricing: 3.5% + €0.35

7

7

04

2

0

20

EBANX removes all the barriers for International Merchants to sell online to Brazil. It offers an end-to-end payment solution across the entire ecommerce transaction flow, without the need for a local entity. Its mission is to provide solid bridges between global merchants and LatAm’s multicultural population. EBANXs believes people should have the power to choose and go further, and that’s why it offers local payment methods on the biggest websites worldwide.

Launch Date: 2010Customers: 12,000,000


Scorecard


Fraud Developer

Risk Geographies


Fraud Developer

Risk Geographies

7

0

314

8

0

32

Elavon is wholly owned by U.S. Bancorp and provides end-to-end payment processing solutions and services to more than 1.3 million customers in the U.S., Europe, Canada, Mexico, Brazil and Puerto Rico.

Launch Date: 1991Volume: $300BCustomer Focus: Airlines, Hospitality, Health Care, Retail, Public Sector and Education

9

0

63

3

0

21

ecoPayz is a global payment solutions provider offering instant, safe and convenient payment services to customers and businesses across the globe. Since its foundation, ecoPayz has successfully provided end-to-end, account and cardbased payment solutions to businesses and individuals worldwide, offering an instant, safe and fast means of moving money around the world.

Launch Date: 2000


Scorecard


Fraud Developer

Risk Geographies


Fraud Developer

Risk Geographies

4

8

64

2

0

24

ePay is a payment system based in Scandinavia. It offers payment solutions to small and large corporations located all around the world.

Launch Date: 2001Pricing: DKK 1999-2999/month + DKK 0.25 per transaction

10

7

311

12

0

43

Since 2002, eMerchantPay has been a trusted payment service provider, partner and specialist that has delivered international online payment processing services to merchants across the globe. eMerchantPay’s payment processing solutions and fraud prevention services enable merchants to increase conversion ratios, expand customer reach and prevent fraud.

Launch Date: 2002


Scorecard


Fraud Developer

Risk Geographies


Fraud Developer

Risk Geographies

7

0

07

3

0

17

Euronet Worldwide facilitates the movement of payments around the world and serves as a critical link between our partners and their end consumers, both locally and globally. Euronet’s customers are served from three core business segments: Electronic Financial Transactions (EFT, including Payments Software), Prepaid (epay) and Money Transfer.


11

3

05

1

0

20

Paycom.net, LLC, doing business as Epoch, is an Internet Payment Service Provider (IPSP) which enables online companies to accept global payments without the need to obtain and manage their own merchant account. It offers worldwide acceptance, multiple currencies, merchant tools, subscription and per-unit billing, customer service, and a suite of marketing and revenue features.

Launch Date: 1996Pricing: 15% of sales


Scorecard


Fraud Developer

Risk Geographies


Fraud Developer

Risk Geographies

10

8

61

1

4

30

FedEx Trade Networks, the international freight forwarding arm of FedEx Corp., relaunched Bongo International as FedEx CrossBorder. It is positioned as an eCommerce technology solutions platform that enables online retailers to deal with cross-border commerce issues, such as regulatory compliance, secure payment processing, multi-currency pricing and credit card fraud protection. It also connects them to eCommerce consumers around the world.

Launch Date: 2007

4

0

34

3

0

14

European Merchant Services (EMS) offers credit and debit card payment processing services to companies operating in the European market. EMS is a joint venture between First Data Corporation and ABN AMRO Bank’s International Card Services B.V. It features a payments platform, extensive reporting capabilities, in-house chargeback management and strong fraud support.

Launch Date: 2005


Scorecard


Fraud Developer

Risk Geographies


Fraud Developer

Risk Geographies

11

5

04

4

0

24

First Atlantic Commerce provides global online payment solutions and credit card processing for merchants, banks and partners. The company offers 3-D Secure™ verification, pre-authentication services and risk management solutions.

Launch Date: 1998

4

6

34

3

0

20

Fidelity Payment Services is a credit card merchant service provider based in New York that allows businesses to accept credit cards as a form of payment. It also provide a full suite of payment services options to businesses and industries throughout the United States, including free gift cards, ACH and check services. The processing platforms utilized by Fidelity are responsible for more than 76% of America’s annual credit card processing volume.

Launch Date: 1996

New!


Scorecard


Fraud Developer

Risk Geographies


Fraud Developer

Risk Geographies

6

0

013

9

0

28

FIS is a global leader in banking and payments technology as well as consulting and outsourcing solutions. With a long history deeply rooted in the financial services sector, FIS serves more than 14,000 institutions in over 130 countries. Headquartered in Jacksonville, Florida, FIS employs more than 40,000 people worldwide and holds leadership positions in payment processing and banking solutions.

Launch Date: 2006

13

10

157

6

0

51

First Data is a provider of payment technology and services solutions, with 24,000 owner-associates and operations in 35 countries. Businesses in nearly 70 countries use First Data to process nearly 2,000 financial transactions per second, totaling $1.8 trillion a year. First Data’s infrastructure consists of point-of-sale technology powered by analytics.

Launch Date: 1971Customers: 6.2 million users


Scorecard


Fraud Developer

Risk Geographies


Fraud Developer

Risk Geographies

5

1

67

2

0

21

Gestpay from Grupo Banca Sella allow companies to cccept payments from any card, Paypal and other systems (in currencies other than Euro too), completely transferring management and responsibility of the data. It also increase conversions by allowing your customers to pay with one single click and automate back office operations with recurring payment.

Pricing: €15+vat/month + 3,5% for transaction

12

3

124

0

0

31

Fortumo OU engages in the development, sale, service, support, and management of mobile payment solutions to application developers, social networks and digital goods vendors. The company works with organizations across the world, including those headquartered in Asia Pacific, Central and Eastern Europe, North America, Northern Europe, Western Europe, the Middle East, Africa and Latin America. It offers in-application purchasing solutions that enable developers to charge for premium features and sell virtual credits inside their applications using mobile operator billing. The solutions also support SMS-connectivity/mobile payments API to enable developers to integrate mobile payments with applications, games and Web services.

Launch Date: 2007Volume: $300MCustomers: 120,000


Scorecard


Fraud Developer

Risk Geographies


Fraud Developer

Risk Geographies

6

3

011

5

0

25

Globebill, an international payment solutions provider specializing in global card processing for the eCommerce market, offers acquiring banks, PSPs, ISOs and their merchants a PCI-DSS compliant international payment processing platform. Globebill helps companies accept payments via credit card, debit card and alternative payment methods from more than 70 countries.

Launch Date: 2005Merchants: 5,000

4

0

94

3

0

20

Global Payments Inc. is a provider of electronic transaction processing services for merchants, Independent Sales Organizations (ISOs), financial institutions, government agencies and multi-national corporations located throughout the United States, Canada, Europe and the Asia-Pacific region.

Launch Date: 1998Volume: $11BCustomers: 2,500,000


Scorecard


Fraud Developer

Risk Geographies


Fraud Developer

Risk Geographies

8

3

01

2

4

18

GoInterPay is a multi-currency conversion and settlement service that connects a customer’s existing website with eCommerce technology. It enables customers to show pricing and settle purchases in the local currency of the international shopper.

Launch Date: 2010Pricing: 1%

5

6

04

2

0

17

GoCardless is a next generation payments company. It processes online payments through direct debit infrastructure. Its features include: low prices (1% up to a maximum of £2), easy payment collection (automate reconciliation customer account) and instant online sign-up.

Launch Date: 2011Volume: $1BPricing: 1% up to a maximum of £2

New!


Scorecard


Fraud Developer

Risk Geographies


Fraud Developer

Risk Geographies

13

3

016

5

0

37

IBM Payment Systems (IPS) is a global payment gateway and eCommerce checkout solution that integrates seamlessly into websites, mobile sites, smartphone apps and call center tools. An easy-to-use interface, combined with a fully localized payment checkout experience, implemented on a centralized platform, means global retailers can set up and manage a comprehensive local online payment solution quickly, easily and costeffectively.

Launch Date: 2001

16

4

94

7

8

48

Hyperwallet is a purpose-built payout platform that empowers businesses to quickly, cost-effectively, and transparently distribute funds to independent contractors, suppliers and resellers anywhere in the world. Hyperwallet’s payments platform and global settlement network enables businesses to distribute funds to 170+ countries in more than 150 currencies. The company’s range of flexible payout options includes local bank deposits, international wire transfers, branded prepaid and virtual cards, custom checks, cash pick-up services, and pay to existing credit and debit card capabilities.

Launch Date: 2000Volume: $15BCustomers: 400+ customers, 7 million+ payees


Scorecard


Fraud Developer

Risk Geographies


Fraud Developer

Risk Geographies

17

11

1516

14

11

84

Ingenico ePayments is the online and mobile commerce division of Ingenico Group. It combines GlobalCollect and Ingenico Payment platforms into a single organization.


9

6

07

5

0

27

ImGlobal Payments is a merchant services provider for businesses that require credit and debit card processing services to accept payments for Internet, Mail-Order Telephone-Order (MOTO), & POS/Retail transactions.

Launch Date: 1999


Scorecard


Fraud Developer

Risk Geographies


Fraud Developer

Risk Geographies

13

3

08

3

0

27

Inpendium provides global payment connectivity and full-cycle payment management services for enterprise-level eCommerce merchants worldwide. Its technology platform supports payment services to global merchants.

Launch Date: 2012

5

3

37

7

0

25

The Intelligent Payments platform was developed by one of the largest online merchants in Europe. Through a single platform, Intelligent Payments manages Web and mobile payments. Intelligent Payments provides a range of services to help merchants manage their online payments, such as: payment handling, fraud management, 3D Secure Management, least cost routing, reporting and reconciliation, payment security and business intelligence.

Launch Date: 2000

New!


Scorecard


Fraud Developer

Risk Geographies


Fraud Developer

Risk Geographies

5

6

04

1

0

16

Klarna, founded in Stockholm in 2005 with the goal of simplifying buying, lets the consumer receive goods first and pay later, while assuming credit and fraud risks for merchants. In 2014, Klarna joined forces with SOFORT to form Klarna Group, the leading European payments provider. Klarna Group has more than 1,200 employees and is active in 18 markets. Klarna serves 35 million consumers and works with 50,000 merchants.


3

3

64

2

0

18

IP Payments has over ten years’ experience in the cash flow improvement and PCI compliance markets emerging as a leader in secure revenue management solutions with the provision of three core capabilities; payment processing solutions (payment gateways), secure credit card storage solutions (IP PCI) and accounts receivables automation solutions (SIPP).



Scorecard


Fraud Developer

Risk Geographies


Fraud Developer

Risk Geographies

10

0

1510

6

0

41

MasterCard is one of world’s best known online payment methods and dominant credit card brands. MasterCard is truly a global payment brand, supporting 150 currencies with over 35 million acceptance locations (point of sale and online) in over 210 countries.

Launch Date: 1966Customers: 35 million acceptance locationsPricing: 1% - 3% per credit card transaction

6

9

1210

7

0

44

Linkpay is a 100 percent cloud-built payment solutions platform. Its solutions help online and mobile businesses accept credit cards using cloud technology. Linkpay handles everything, including merchant accounts, gateway, storing cards, subscriptions, PCI security and direct payout to bank accounts.

Launch Date: 2013


Scorecard


Fraud Developer

Risk Geographies


Fraud Developer

Risk Geographies

8

6

67

3

0

30

Merchant e-Solutions helps merchants accept payments and manage them on one platform. Merchant e-Solutions provides a global network and enables merchants to do business in multiple channels, including online, mobile and in-person. Merchant e-Solutions is a merchant acquirer and global processor, processing over $17 billion in annual transaction volume and supporting 150 global currencies, including all major credit cards, debit and alternative payment solutions.


7

6

64

0

4

27

MercadoLibre’s automated online platform enables businesses and individuals to list items and conduct their sales and purchases in a fixed-price or auction-based format. MercadoLibre has launched a cross-border trade program, which started in the U.S. and will be expanding to the U.K. and Canada. It requires no setup fees and offers multiple integration options, enabling sellers to ship directly to buyer or to a local address.

Launch Date: 1999Customers: 121 million registered users


Scorecard


Fraud Developer

Risk Geographies


Fraud Developer

Risk Geographies

4

5

34

4

0

20

Since 1998, NETbilling, Inc. has provided merchant accounts, multi-currency transaction processing, and call center services to thousands of Internet merchants and companies of all sizes. NETbilling’s flexible solutions process credit cards, debit cards, electronic checks, and telephone orders, and work with any business model, including Internet, broadband, wireless, call centers and retail establishments of all types.

Launch Date: 1998Pricing: 1.4% + $0.06 per transaction

4

8

68

3

0

29

With more than 15 years of expertise in the e-commerce industry MultiSafepay provides international and multi-channel payment solutions and services for 8.000 SME and large enterprise clients across Europe. Operating by one platform, the company offers payment solutions for any device including online, mobile, subscription services, wallet payments, phone & email payments and split payments. Its unique apps for iOS and Android enable merchants to control payments anytime and anywhere.



Scorecard


Fraud Developer

Risk Geographies


Fraud Developer

Risk Geographies

9

7

08

7

8

39

PagBrasil offers payment processing service in Brazil, designed for international payment providers and eCommerce platforms. PagBrasil enables customers to gain access to local payment methods and potentially increase sales in the country.

Launch Date: 1998

New!

5

3

1211

2

0

33

ONPEX is a provider of cloud technology for cross-border card processing. The company is headquartered in Germany and operates entities in Europe, North America and Asia.

Launch Date: 2010


Scorecard


Fraud Developer

Risk Geographies


Fraud Developer

Risk Geographies

3

5

08

8

0

24

PAYONE is a provider of payments services that ranks among Germany’s 50 fastest-growing technology companies. With its modular platform, PAYONE offers a fully automated software-as-a-service solution (SaaS) to companies for comprehensive processing of eCommerce payments. PAYONE’s range of services includes the ability to process payments from over 30 national and international payment methods with integrated risk management to minimize defaults in payment and fraud.

Customers: 3,000

17

3

67

2

0

35

Payoneer empowers global commerce by connecting businesses, professionals, countries and currencies with its crossborder payments platform. In today’s borderless digital world, Payoneer enables millions of businesses and professionals from more than 200 countries to reach new audiences by facilitating seamless, crossborder payments.

Launch Date: 2005


Scorecard


Fraud Developer

Risk Geographies


Fraud Developer

Risk Geographies

9

3

07

1

0

20

PayPal offers various online payment checkout solutions for businesses around the world. From standard checkouts to express solutions, PayPal operates as a PSP to many online merchants. Shoppers can pay directly from their bank accounts or via stored credit cards, like MasterCard and Visa.


16

6

1511

7

0

55

Paysafe is a provider of payment solutions to businesses and consumers in 200 countries and territories. Merchants can use Paysafe´s services and gateway platforms on their websites to accept credit and debit card, direct-from-bank, and alternative and local payments. Paysafe was created in November 2015 as a result of the Optimal Payments’ acquisition of Skrill Group earlier that year.

Launch Date: 2015


Scorecard


Fraud Developer

Risk Geographies


Fraud Developer

Risk Geographies

9

8

1219

14

4

66

PayU is an online payment service provider in 16 high growth markets in Asia, Central and Eastern Europe, Latin America, the Middle East and Africa. Its local expertise enables it to provide specific solutions for each market. PayU is the e-payments division of Naspers Ltd., a multinational media group.

Launch Date: 2002Customers: Over 130,000

11

0

64

1

4

26

Payvision is an independent payment solutions provider specializing in global card processing for the eCommerce market. Payvision offers acquiring banks, PSPs, ISOs and merchants a secure, PCI DSS compliant, PSD licensed, international payment processing platform enhanced with innovative technology. Payvision provides 150+ transaction currencies and regional card settlement currencies.

Launch Date: 2002Customers: 300 business partners, acquirers and PSP, + 500 merchantsVolume: 100 million transactions


Scorecard


Fraud Developer

Risk Geographies


Fraud Developer

Risk Geographies

16

8

05

10

15

54

Pitney Bowes offers global ecommerce solutions that manage the cross-border shopping experience including, website localization and management, fully-landed costs and compliance, payment processing and international logistics. Pitney Bowes helps retailers, brands and online marketplaces sell to customers in more than 220 countries and territories and more than 74 currencies.

Launch Date: 1920Customers: 285

6

6

04

0

0

16

Payza is a leading online payments technology platform used by licensed entities around the world. Payza’s highly secure platform provides businesses and consumers with convenient and flexible solutions for sending and receiving payments worldwide. The company offers access to payment services in both traditional and emerging markets, as well as a host of tools and services including: fraud screening, dispute resolution, currency exchange, global payouts and disbursement services.

Launch Date: 2012Customers: 9 million users


Scorecard


Fraud Developer

Risk Geographies


Fraud Developer

Risk Geographies

6

0

06

4

0

16

PPRO offers a platform for integrated processing and collection of payment methods worldwide. The solution works indirectly with PSP partners and other financial institutions whose merchants can purchase PPRO’s services from them. PPRO has access to over 1 million eCommerce merchants that are linked to its PSP and marketplace partners. They can use all of PPRO’s services through their existing technical integrations. PPRO collects funds and sends the money to users in their desired currency.

Launch Date: 2006Customers: Over 1M

10

3

63

7

0

29

Planet Payment is a provider of payment processing solutions. The company delivers payment processing and multi-currency solutions to financial services institutions around the world. The services are currently deployed at 118,000 active merchant locations in 21 countries and territories across the Asia Pacific region, the Americas, the Middle East, Africa and Europe.



Scorecard


Fraud Developer

Risk Geographies


Fraud Developer

Risk Geographies

6

0

04

0

0

10

SafetyPay provides an e-payment solution that enables online banking customers to shop globally, but pay directly through their bank account in their local currency. SafetyPay works with financial institutions worldwide, reaching more than 2,000 merchants and 250 million consumers under one platform. Currently in countries throughout Europe, North and Latin America, SafetyPay is expanding around the world.


5

0

07

7

0

19

The SafeCharge International Group Limited is a global provider of payments services, risk management and IT solutions for online businesses. The group has a diversified, blue chip client base and is a trusted payment partner for customers from various eCommerce verticals. SafeCharge has been Payment Card Industry Data Security Standard (“PCI-DSS”) Level 1 certified since 2007. The SafeCharge group has operations in the U.K., Cyprus, Bulgaria, Israel, Germany and Austria.

Launch Date: 2007

Updated!


Scorecard


Fraud Developer

Risk Geographies


Fraud Developer

Risk Geographies

17

8

67

4

0

42

SecurionPay is a cross-device, online and mobile-based payment gateway that offers developers and end-users card payment services. The company’s APIs can support payment scenarios securely and efficiently.

Launch Date: 2014Pricing: 2.95% + 0.25 euro

0

3

03

5

0

11

Sage Pay is Europe’s leading independent payment service provider (PSP). Every year, Sage Pay processes billions of British pounds worth of secure payments for its 50,000+ customers and makes the process of accepting payments online, over the phone or in-person simpler, faster, safer and more profitable for businesses.


New!


Scorecard


Fraud Developer

Risk Geographies


Fraud Developer

Risk Geographies

12

7

011

4

0

34

Smart2Pay is a payment service provider specializing in Internet payments since 2002. It’s based in Amsterdam, with additional offices in Spain, Brazil, the U.S. and Romania. The company has partnered with many banks and financial institutions all over the world and it offers a one-stop shop for leading merchants selling goods or services globally via the Internet.

Launch Date: 2002

7

3

09

6

0

25

Skrill (Moneybookers) is one of the world’s largest online payments and digital wallet providers with over 20 million accountholders. Skrill’s worldwide payment network offers businesses access to more than 100 payment options, with 41 currencies covering 200 countries through just a single integration. More than 100,000 merchants use Skrill globally, including eBay.



Scorecard


Fraud Developer

Risk Geographies


Fraud Developer

Risk Geographies

8

10

04

4

0

26

Stripe aims to expand Internet commerce by making it easy to process transactions and manage an online business. Stripe now processes billions of dollars a year for thousands of businesses, from newly launched startups to Fortune 500 companies. Since Stripe powers so many new businesses, it’s a snapshot of how the Internet is changing; many users are in categories that barely existed five years ago.

Launch Date: 2011

7

3

150

4

0

29

Square is committed to building tools that empower sellers to start, run, and grow their business. Square’s complete register service is a full point of sale that offers a suite of tools, from tracking sales and inventory to rich analytics and small business financing. Customers in the United States also use Square Cash, the easiest way to send and receive money, and Square Order, a new way to pre-order food and drinks for pickup.



Scorecard


Fraud Developer

Risk Geographies


Fraud Developer

Risk Geographies

6

3

127

5

0

33

TSYS provides online credit card processing for businesses. TSYS helps merchants integrate eCommerce solutions to accept payments. The company is headquartered in Columbus, Georgia, with offices across the U.S., Europe and Asia.

Launch Date: 1983

12

4

02

10

4

32

Transpay is a B2B/B2P cross-border payments platform. The company’s platform uses robust end-to-end technology to enable instant transfers across its global proprietary network. Funds are delivered in local currency either to a recipient’s bank account or a preferred cash pick-up location. Customers include Google and Upwork, the leading global freelancer platform. Transpay is backed by GCP Capital Partners, a $1.8 billion private equity fund led by top investors in the payments industry.

Launch Date: 2011Customers: 20Volume: $5B


Scorecard


Fraud Developer

Risk Geographies


Fraud Developer

Risk Geographies

7

6

159

12

4

53

Vantiv is a leading payment processor differentiated by an integrated technology platform. Vantiv offers a comprehensive suite of traditional and innovative payment processing and technology solutions to merchants and financial institutions of all sizes, enabling them to address their payment processing needs through a single provider.


4

0

07

4

0

15

Valitor is a leading online and eCommerce payment solutions company. It operates internationally, offering services to partners, merchants, banks and cardholders around the world. Valitor has been specializing in international acquiring services since 2003, and was one of the first companies to receive a European cross-border license.

Launch Date: 1983


Scorecard


Fraud Developer

Risk Geographies


Fraud Developer

Risk Geographies

3

5

127

2

0

29

Worldline, an Atos subsidiary, is a global player in the payments and transactional services industry. Worldline delivers new generation services, enabling its customers to offer smooth and innovative solutions to the end consumer. Worldline specializes in merchant services and terminals, mobility and e-Transactional services, and financial processing and software licensing.

Launch Date: 1970

3

4

07

4

8

26

WePay powers payments on online platforms and marketplaces, such as Care.com, Constant Contact, FreshBooks, GoFundMe and Meetup. WePay protects its partners from risk and regulatory exposure, while supporting a seamless experience for their end users.



Scorecard


Fraud Developer

Risk Geographies


Fraud Developer

Risk Geographies

7

4

64

1

0

22

YuuPay is a Singapore-based payment service provider that processes transactions for merchants in the Asia-Pacific region, Europe, Japan, and the U.S. The company is connected to more than 200 banks worldwide and offers a variety of payment solutions for various industries.

Launch Date: 2006

16

11

1517

15

4

78Launch Date: 1989Customers: Over 400,000Volume: $500B

Worldpay provides an extensive range of technology-led payment products and services to over 400,000 customers, allowing them to accept more than 300 different payment types around the world. The company processes payments from geographies covering 99 percent of global GDP, across 146 countries and 126 currencies. Through a single integration, Worldpay provides an end-to-end service including acquiring, treasury, gateway, alternative payments and risk management.

New!


About

The X-Border Payments Optimization Landscape™The X-Border Payments Optimization LandscapeTM is a graphic representation of how the leading payment service providers are scored in each of six categories important to optimizing a merchant’s cross-border payments operations. It is not designed to suggest one is more important than another. The Top 10 providers in each category are displayed in rank order from industry standard on the left to best-in-class on the right.

FeedbackIf you would like to be included in this report and/or would like your information to be updated, please contact us at [email protected] and we will send you the data sheet required for submission.

PYMNTS.comPYMNTS.com is where the best minds and the best content meet on the web to learn about “What’s Next” in payments and commerce. Our interactive platform is reinventing the way in which companies in payments share relevant information about the initiatives that shape the future of this dynamic sector and make news. Our data and analytics team includes economists, data scientists and industry analysts who work with companies to measure and quantify the innovation that is at the cutting edge of this new world.

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