Payments Powering PlatformsTRACKER™

How payments are powering the world’s largest online

travel platform – p. 5 (Feature Story)

12 percent of Canadian smartphone owners have used their mobile

devices to make a payment – p. 9 (News and Trends)

Find the top providers in our Tracker Scorecard

– p. 15

SEPTEMBER 2017

powered by

THE PAYMENTS W RLDHow Expedia’s Exploring

September 2017 | 2Payments Powering Platforms Tracker™ © 2017 PYMNTS.com all rights reserved

AcknowledgmentSponsorship for the Payments Powering Platforms Tracker™ was provided by WePay. WePay has no editorial influence over the Tracker’s content. In addition, the methodology for Tracker supplier rankings was developed exclusively by the PYMNTS.com research and analytics team. The methodology, scoring and rankings are done exclusively by this team and without input or influence from the sponsoring organization.

Table of Contents

What’s InsidePAGE

03PAGE

05PAGE

09PAGE

13PAGE

15PAGE

53

Feature Story

News and Trends

Methodology | Top Ten Rankings

Scorecard

About

A look at the quickly evolving payment platforms ecosystem and how consumers around the world are reacting to mobile payments.

Wilson Wang, director of global checkout and payment products for online travel platform Expedia, on how the company is pushing payments to push travel platforms forward

The latest headlines from around the Payments Powering Platforms space.

Information on PYMNTS.com and WePay.

Best of the bunchWhich companies are on top and how they got there.

The results are inSee who the top providers are.

September 2017 | 3Payments Powering Platforms Tracker™ © 2017 PYMNTS.com all rights reserved

What’s Inside

It’s no secret mobile wallets haven’t quite caught on among American consumers. PYMNTS research indicates less than 10 percent of American consumers have used a mobile wallet as recently as June of this year. That’s even though mobile wallet platforms have been available and accepted for more than three years.

The lack of adoption is typically attributed to security concerns and the fact that American consumers are happy and comfortable using methods like credit or debit cards. But, just because Americans don’t love mobile wallets (yet?) doesn’t mean they aren’t catching on elsewhere.

Over the past month, research and debuts from companies are proving there is an appetite for mobile wallets — just maybe not in the U.S.

Here’s a quick snapshot of some recent notable news from around the Payments Powering Platforms space:In China, mobile payments are so popular that Alipay, the country’s most popular mobile wallet option, is looking to spread its wings. Alipay’s parent company, Ant Financial, recently announced the payment method is now available to the more than 2 million Chinese tourists who visit Malaysia each year. Merchants in Malaysia began accepting Alipay in April 2017, and it is currently being accepted at more than 5,000 merchants in the country — including all 242 Starbucks locations.

Mobile wallets are experiencing a popularity surge in England. Mobile wallet transaction volume climbed by 336 percent in just the first six months of this year compared to usage rates at the end of 2016. Mobile spending is expected to continue to rise in the coming years, particularly at supermarkets and grocery stores, which already account for 55 percent of mobile payment usage.

In Canada, however, the story is more like its North American neighbor. According to recent research from Visa, just 12 percent of smartphone users have made a mobile wallet transaction, despite a recent uptick in general smartphone usage and ownership.

Check out the rest of the headlines from around the payments platforms space in the Tracker’s News and Trends section (p. 9).

How Expedia’s exploring the payments worldBeing able to accept cross-border transactions is important for many businesses in the modern era of online shopping and global shipping.But according to Wilson Wang, director of global checkout and payment products for online travel platform Expedia, it’s even more crucial for a company that specializes in global travel.

In a recent interview as part of this month’s Payments Powering Platforms Tracker, Wang told PYMNTS that the company has learned first-hand how important flexible payment options are to their customers – and how important they are to the company’s business model.

The September Payments Powering Platform Tracker updates This month’s edition of the Tracker features profiles and scores for 72 providers, including six new additions: Amaryllis Payment Solutions, Bambora, E-xact Transactions, G2A PAY, PlugnPay Transactions and TrustCommerce.

September 2017 | 4Payments Powering Platforms Tracker™ © 2017 PYMNTS.com all rights reserved

5Five Fast Facts

What’s Inside

$1.35 TRILLION

53%

336%

35.55%

55.5%Projected expansion of the contactless payment transaction platform market through 2025

Projected volume spent via mobile wallets around the globe in 2017

Projected increase in the global mobile payment market through 2021

Increase in mobile payments usage in the U.K. in the first six months of 2017

of point-of-sale transactions will be contactless within five years

September 2017 | 5Payments Powering Platforms Tracker™ © 2017 PYMNTS.com all rights reserved

How Expedia’s Exploring

THE PAYMENTS W RLD

September 2017 | 6Payments Powering Platforms Tracker™ © 2017 PYMNTS.com all rights reserved

When it comes to booking online travel, one can start out with a broad or narrow search depending on flexibility. It’s all about options,

and — from choosing a preferred airline, travel time, number of stops and hotel chain to deciding between more legroom or no legroom — travelers have lots of choices.

Once the itinerary is chosen, though, the payment options aren’t necessarily as plentiful. And, depending from where in the world one is booking and in what originating currency, frictions can lead to the traveling equivalent of an aborted takeoff.

According to research from the PYMNTS.com X-Border Payments Optimization Index, most of the top 10 percent of international merchants consistently offer pricing and payments in at least six different currencies. That’s because other study findings indicate enabling consumers to pay in their native currency is one of the most important features in motivating cross-border purchases, with one-third of surveyed consumers saying the option makes them more likely to shop across borders.

While having the capability to accept cross-border transactions is important for many businesses in the modern era of online shopping and global shipping, Wilson Wang, director of global checkout and payment products for online travel platform Expedia, said it’s even more crucial for a company specializing in global travel. In a recent interview, Wang told PYMNTS the company has learned first-hand how important native currencies are to customers — and how critical those currencies are to the company’s business model.

“We really want to be able to offer a flexible solution, because we want to work with travelers around the globe, however they want to pay for travel,” Wang said. “We know that offering those flexible solutions and providing prices in different currencies is hugely important for our customers who are traveling from all over.”

But, as it turns out, it isn’t just currencies. Wang said to find success — and grow from an internet startup to the world’s largest online travel company processing more than $72 billion in travel payments as of 2016 — the platform had to accept payments however Expedia’s

“We know that offering those flexible solutions and providing prices in different currencies is hugely important for our customers who are traveling from all over.

FEATURESTORY

WILSON WANG director of global checkout and payment products of Expedia

September 2017 | 7Payments Powering Platforms Tracker™ © 2017 PYMNTS.com all rights reserved

consumers preferred to make them. That made different currencies, deferred payments and new payment methods like buy buttons equally important.

Letting customers pay how they wantAs part of Expedia’s efforts to offer an array of payment options, the company introduced the Expedia Traveler Preference program in 2012, allowing guests to pay for trips at the end of their stays rather than at the time of booking,

Wang said the program was designed to give customers more options for how to fund their travels. While many customers preferred to pre-pay for a trip, others wanted to be able to pay after the experience was over.

The program was popular among consumers, Wang said, and the company has since expanded it, offering additional payment and financing options over the last few years. Most recently, that included a 2016 partnership with Affirm, a FinTech providing merchants with online lending and financing programs. The program enables customers to pay for hotel stays in installments through Affirm financing.

The option received positive feedback from customers after its rollout, and the two companies extended their

Under the Hood

WILSON WANG OF EXPEDIA ON THE IMPACT OF TECHNOLOGY

The internet has transformed the travel industry, effectively turning everyone into his or her own travel agent. In a recent interview with PYMNTS, Wilson Wang, director of global checkout and payment products for online travel platform Expedia, described how the company has invested in technology to help power its growth.

“Technology has been a huge asset for adapting to the travel industry as well as the consumer payment industry. We’ve made lots of changes to the platform over the years because we’ve invested in a wide range of technologies, from predictive modeling to really any technology [that] can enable a better travel buying experience.

And, one of the things that technology really does is help us increase our efficiency in terms of serving customers and providing our customers with what they’re looking for, at scale. We’re the largest travel company in the world, and that gives us better travel data than anyone in the industry — but it also means we have to be able to do things on a big scale. So, while we have the data, we still have to … work really hard to build the technology and the products that our customers come to expect from Expedia.

We also need to use that data and technology to give travelers the most relevant information experience for them, and how they want to book and pay for their travel. So, we use technology like pattern recognition to identify how a customer usually behaves, and use that to customize and personalize an experience for them.”

Feature Story

“”

...those customers want

a more immediate experience,

but they often don’t want to

make a payment on a mobile

device due to security

concerns.

September 2017 | 8Payments Powering Platforms Tracker™ © 2017 PYMNTS.com all rights reserved

agreement. The Affirm financing program has since been widened to Expedia customers shopping for flights and travel packages, a booking option that typically includes a combination of flights, hotels and other related purchases like rental cars.

Wang said the program has found success because it offers customers the immediate gratification of making a purchase without the immediate consequence of receiving a bill. He noted the option has been particularly popular among users of the company’s mobile app, likely because it gives customers who would prefer not to share their payment details via a mobile device a different way to pay later.

“Since we launched this pay later option, it’s gained a lot popularity over the years, both with customers and hoteliers,” Wang said. “It’s been especially popular among consumers on mobile platforms, interestingly, because those customers want a more immediate experience, but they often don’t want to make a payment on a mobile device due to security concerns. This lets them pay later in a way that feels more secure.”

Expedia’s Traveler Preference program underpins a combination of two revenue models which decide when and how payments are made to the hotels. The company’s Expedia Collect merchant model kicks in when a customer chooses to pay at the time of the booking. In these cases, Expedia charges the customer’s credit card and pays the hotel following the customer’s stay.

Under its agency revenue model, when customers choose to pay at the hotel — regardless of whether they made a deposit at the time of booking — Expedia receives a commission on the booking after the payment is received.

According to financial services and investment insights provider the Motley Fool, the company’s agency model represented 56 percent of its revenue as of Q2 2016, with merchant revenue accounting for 44 percent.

Adding new payment methodsDespite its history as a travel industry disruptor, Wang reported the company most often processes a fairly traditional payment type: credit cards. But that tide is slowly turning, and he noted the company is eager to adopt new payment methods under the umbrella of its payment flexibility philosophy.

To that end, Expedia recently partnered with Mastercard to add its buy button, Masterpass, as a rapid payment option. This allows customers to save time by paying with their Mastercard, without having to enter personal payment information.

Going forward, Wang said, the company plans to continue to explore new payment methods as they are introduced.

“Payment innovation is a huge area [in which] we’re interested, adding new currencies and payment methods, because it’s all about making the experience as enjoyable and easy as possible for consumers,” he explained. “They expect it to be very easy to book a vacation or some other kind of travel, and we want to provide a platform that offers that payment experience.”

Window seat with extra legroom, booked online and paid for, in full, in the future? Some might call that time travel.

Feature Story

“”

...it’s all about making

the experience as enjoyable

and easy as possible for

consumers.

September 2017 | 9Payments Powering Platforms Tracker™ © 2017 PYMNTS.com all rights reserved

At the intersection of bricks and clicksSquare, in real lifeA platform known for its online legacy is trying to build a brick-and-mortar presence. Square, the mobile payments processor, opened its first physical store to offer hands-on support for merchants, as well as showcase some of its hardware products. According to reports, the store — which is located in Manhattan’s Nolita neighborhood — has the company’s standard POS hardware products for sale inside, and also offers a support desk where sellers can make appointments with Square employees to receive software assistance.

By opening a physical store, Square is trying a new marketing strategy and attempting to set itself apart from competitors like ShopKeep, Clover by First Data Corp. and PayPal Here. The company, which started by selling smartphone plug-ins so food truck vendors and other small businesses could accept credit cards, has since attracted larger merchants with a suite of services and software designed to make transactions simpler and less time-consuming. Less than 5 percent of Square’s revenue now comes from hardware.

Creditcall tries to merge clicks with bricks Creditcall wants to make it easier for merchants to share information. In a recent interview with PYMNTS’ Karen Webster, Jeremy Gumbley, the company’s chief technical officer and chief security officer, said information across payments often remains siloed, confined to buckets that correspond to either online or brick-and-mortar

businesses. According to Gumbley, Creditcall is looking to make a change.

And that includes enabling merchants to use the Creditcall platform to discover data, including that individual customers may use their accounts three times as often online as they do in-store. The data can also reveal a certain credit card is used most often, perhaps hinting the customer feels more secure using this account than debit. All of the information gathered can be useful when tailoring promotional activity and cementing customer loyalty.

NEWSANDTRENDS

September 2017 | 10Payments Powering Platforms Tracker™ © 2017 PYMNTS.com all rights reserved

Coming togetherNCR, PFG partner for restaurant solutionPerformance Food Group Company (PFG), a leading food service supplier, announced it has entered into a strategic referral relationship with consumer transaction technologies provider NCR. According to the new agreement, PFG will introduce the NCR Silver cloud-based point-of-sale (POS) solution to its 36 Performance Foodservice distribution centers nationwide. The distribution centers deliver food and food-related products to regional and national restaurant operators.

PFG also plans to expand its relationship with NCR by integrating its order management system with NCR Silver, enabling restaurant operators to ring up orders, manage inventory, set employee schedules and order from PFG’s inventory of food and food-related products — all from one platform.

Fiserv acquires DovetailIt seems Fiserv has found itself a new bird of a feather. The financial services technology solutions provider announced the acquisition of Dovetail Group Limited, a bank payments and liquidity management solution provider, to further enable it to help financial institutions around the world transform their payments infrastructure. Dovetail offers a real-time payments platform, modular services and configurable business processing rules that, when combined with Fiserv’s payment capabilities, will enable financial institutions to unify discrete solutions into a fully-integrated payments infrastructure.

In the U.S., the acquisition will help Fiserv advance its PEP+ ACH processing solution. It will also boost a comprehensive real-time payments offering with integration into the NOWSM Network for payments and transfers, the Turnkey Service for Zelle and The Clearing House Real-Time Payments scheme. Meanwhile, in Europe, the company will be in a strong position

to support financial institutions with legacy system replacement and the shift to real-time payments.

Incoming innovationsWhy P2P payments are the ‘new norm’According to a new study from Bank of America, person-to-person payment technologies (P2P) — like Venmo and Zelle, which allow consumers to send money to others via their mobile devices — are becoming increasingly common among consumers. The report, which dubs these payments the “new norm,” found more than one-third of Americans, including a majority of millennials, regularly use P2P platforms. Most respondents say they began using Venmo and other P2P platforms because of the added convenience or a friend’s recommendation. Fifty-three percent also reported the platforms make them feel more efficient compared to using other payment methods. “Other payment methods” feature

News and Trends

September 2017 | 11Payments Powering Platforms Tracker™ © 2017 PYMNTS.com all rights reserved

use by 47 percent of millennials who have yet to try the platforms, along with 48 percent of GenXers and 49 percent of baby boomers.

And these platforms only seem to be getting more popular. Nearly half of all respondents say they plan to use the services within the next year.

Going beyond the ‘wow’Most FinTechs want to innovate, and they want those innovations to impress. But in a recent interview with PYMNTS, Marqeta CTO Tony Ford insisted the “wow” factor isn’t as important to payments innovation as it may seem. What’s more crucial, he said, is the improvements made in the payments space. That’s especially true among the changes in tokenization, which Ford called the most impactful innovation of the last five years.

“The vision for tokenization and the Internet of Things makes for a secure, frictionless way to add payments to every device that we interact with,” he said. “Today it’s our [phones] and maybe our [watches]. Tomorrow it’s our cars making payments in a fast-food drive-thru, a ring on our [fingers] and the wave of our [hands] to hop on the subway or our refrigerators intelligently ordering more groceries from Instacart.”

And, looking beyond the pipesIt’s been said that change is the only constant in, well, you name it. The aphorism holds especially true for payments, an industry in which technology shapes the way payments happen — and vice versa. At least, that is, according to Jerry Norton, vice president of financial services industry at IT services and consulting company CGI. In a recent interview, Norton told PYMNTS that in a global sense, the broad movement toward real-time payments is currently shaping the payments industry.

But that change, Norton noted, was only made because of “the convergence or confluence of lots of different things,” including the ubiquity of internet connections, networks and, perhaps most importantly, consumer

demand. As a result, he said, a company in the space should look to orient its activities “toward its customer’s view of payments.”

Razer CEO’s eCommerce plan gets endorsement from Singapore’s Prime MinisterTan Min-Liang, CEO of computer hardware firm Razer, got a vote of confidence from Lee Hsien Loong, Prime Minister of Singapore, with his idea for a nationwide eCommerce platform — and other firms are already hopping aboard to help. Just days after the Prime Minister said he would seriously consider any proposal from the CEO, Min-Liang noted he and his team would plan to have a proposal in front of Prime Minister Loong within two weeks.

“Some of the top e-payments experts in the industry are already on board in the last 24 [hours] and working on it with us,” Min-Liang said in a social media post.

News and Trends

September 2017 | 12Payments Powering Platforms Tracker™ © 2017 PYMNTS.com all rights reserved

Going globalAnt brings Alipay to MalaysiaChinese tourists in Malaysia can now get their caffeine fixes via Alipay. The online and mobile payment platform, operated by Ant Financial Services Group, is now available to the more than 2 million Chinese tourists visiting the country each year.

Merchants in Malaysia began accepting Alipay in April 2017, and the payment method is now available at more than 5,000 in the country — including more than 2,100 7-Eleven locations and at all 242 Starbucks locations. Alipay processes 175 million transactions per day, and 60 percent of all Alipay transactions are completed via mobile device in Malaysia.

Mobile payments see popularity spike across the UKCould consumers in England be doing what those in the U.S. seemingly refuse to do — embrace mobile wallets? New data indicates the trend is in full swing. The total volume spent in the U.K. using mobile payment platforms skyrocketed in the first half of the new year, jumping by 336 percent compared to usage over the same period in 2016. Mobile spending is expected to continue to rise in the coming years, particularly at supermarkets and grocery stores which already account for 55 percent of mobile payment usage.

According to the data, mobile payments now account for 38 percent of all non-cash transactions in the U.K. The payment method is most popular in London, where 28 percent of total U.K. mobile purchases are made.

Canadian contactless usage numbers aren’t catching onThe U.K. may be giving mobile payments a warm embrace, but Canada seems to be giving it the cold shoulder. According to recent research from payments

processor Visa, just 12 percent of Canadian smartphone owners used their devices to make a contactless or near field communication (NFC) payment.

While some experts say usage is likely to grow in the coming years, mobile payments have not kept up with the high adoption rates of mobile devices in Canada. Despite increased mobile device usage, and the fact that Canada outpaces both the U.S. and Japan in digital payment usage — which includes debit card, credit card and mobile payments — even the slow-adopting U.S. is outpacing its neighbor to the north when it comes to mobile payments.

September 2017 | 13Payments Powering Platforms Tracker™ © 2017 PYMNTS.com all rights reserved

Merchant Onboarding

How flexible and fast a platform’s user experience is, and whether it includes merchant underwriting.

Risk Management and Compliance

Whether a platform offers security and compliance services.

Enablement and Value Added

Whether a platform offers merchant/player support, third party features and a

dedicated point of contact.

Settlement/Payouts

How fast a platform is across different channels and payment types.

Payment Processing

How fast processing is, what channel and

payment types are accepted, and the

area it covers.

The PYMNTS.com Payments Powering Platforms Tracker™ is designed to give an overview of the trends and activities across B2B industry payment platforms delivering on those services. Companies included in the Tracker Scorecard have been scored on five primary criteria:

Methodology | Top Ten Rankings

PAYMENTSPOWERING

PLATFORMS

September 2017 | 14Payments Powering Platforms Tracker™ © 2017 PYMNTS.com all rights reserved

The Top 20 rankings are the highest scoring companies in the Tracker’s Scorecard based on PYMNTS.com’s proprietary methodology. The methodology evaluates providers based on the speed, flexibility, processing, security, risk management, compliance, enablement and value added services offered.

Methodology | Top Ten Rankings

01 92

02 91

05 78

06 77

03 83

04 81

07 73

TIE

08 71

TIE

09 70

10 69

10 69

PYMNTS will periodically update scores based on new developments. If you would like your company to be considered for inclusion in the Tracker’s Scorecard or wish to have an existing listing reconsidered for an update, please head over to our profile submission/update page.

NEW!

September 2017 | 15Payments Powering Platforms Tracker™ © 2017 PYMNTS.com all rights reserved

Merchant Onboarding

SettlementPayout

Enablement &Value Added

Risk Management

& Compliance

Payment Processing

Merchant Onboarding

SettlementPayout

Enablement &Value Added

Risk Management

& Compliance

Payment Processing

Note: Companies are listed in alphabetical orderScorecard

49

15

1212

4

Company: 2Checkout Founded: 1999 Headquarters: USA

2Checkout is a payment platform that enables merchants to accept online and mobile payments from customers. The platform is used by over 50,000 merchants and supports transactions in 196 countries through eight payment methods, 26 currencies and 15 languages.

6

46

15

40

12

Company: Adyen Founded: 2006 Headquarters: Netherlands

Adyen is a technology company that aims to provide businesses with a single solution to accept payments anywhere in the world. The company offers an end-to-end infrastructure connecting merchants directly to Visa, Mastercard and 250 other payment methods globally.

15

September 2017 | 16Payments Powering Platforms Tracker™ © 2017 PYMNTS.com all rights reserved

Merchant Onboarding

SettlementPayout

Enablement &Value Added

Risk Management

& Compliance

Payment Processing

Merchant Onboarding

SettlementPayout

Enablement &Value Added

Risk Management

& Compliance

Payment Processing

70

25

420

12

Company: Amaryllis Payment Solutions Founded: 2015 Headquarters: USA

Amaryllis’ customized and modular solution is intended to solve the unique business needs of each acquirer or third-party payment model, providing functionality such as instant onboarding, split payments, payout management and reconciliation.

9

51

15

155

10

Company: Atom Technologies Ltd Founded: 2006 Headquarters: India

Atom Technologies is an omni channel payment services provider offering a range of secure, efficient payment services and solutions through online and offline platforms.

6

New!

September 2017 | 17Payments Powering Platforms Tracker™ © 2017 PYMNTS.com all rights reserved

Merchant Onboarding

SettlementPayout

Enablement &Value Added

Risk Management

& Compliance

Payment Processing

Merchant Onboarding

SettlementPayout

Enablement &Value Added

Risk Management

& Compliance

Payment Processing

34

18

40

2

Company: Auction Payment Network Founded: 2010 Headquarters: USA

Auction Payment Network (APN) is a provider of online payment processing solutions for online sellers. The company also offers invoicing, reporting and reconciliation services in a PCI-complaint environment.

10

43

Company: Authorize.Net Founded: 1996 Headquarters: USA

Authorize.Net is a payment gateway service provider allowing merchants to accept credit card and electronic check payments through their website and over an IP connection.

15 5

105

8

September 2017 | 18Payments Powering Platforms Tracker™ © 2017 PYMNTS.com all rights reserved

Merchant Onboarding

SettlementPayout

Enablement &Value Added

Risk Management

& Compliance

Payment Processing

Merchant Onboarding

SettlementPayout

Enablement &Value Added

Risk Management

& Compliance

Payment Processing

50

15

125

9

Company: Bambora Founded: 2015 Headquarters: Sweden

Bambora offers payment solutions for small and medium-sized businesses (SMBs). The company’s simple-to-launch platforms integrate with existing operations to help small businesses accept new payment types.

9

54

15

412

8

Company: Bluefin Payments Systems Founded: 2007 Headquarters: USA

Bluefin Payment Systems develops integrated, secure payment technologies for independent software vendors, large enterprises and small and medium-sized businesses. Also, it provides point-to-point encryption solutions.

15

New!

September 2017 | 19Payments Powering Platforms Tracker™ © 2017 PYMNTS.com all rights reserved

Merchant Onboarding

SettlementPayout

Enablement &Value Added

Risk Management

& Compliance

Payment Processing

Merchant Onboarding

SettlementPayout

Enablement &Value Added

Risk Management

& Compliance

Payment Processing

69

25

45

10

Company: BluePay Founded: 2003 Headquarters: USA

BluePay provides credit card payment processing services for enterprises, small and medium-sized businesses in the United States and Canada. The company also offers real-time settlement, reporting, reconciliation and security features such as tokenization and point-to-point encryption.

25

34

8

95

6

Company: BlueSnap Founded: 2002 Headquarters: USA

BlueSnap is a global payments technology company that aims to optimize global and mobile checkout and drives higher payment conversions. The company’s Powered Buy Platform is designed to boost growth for businesses.

6

September 2017 | 20Payments Powering Platforms Tracker™ © 2017 PYMNTS.com all rights reserved

Merchant Onboarding

SettlementPayout

Enablement &Value Added

Risk Management

& Compliance

Payment Processing

Merchant Onboarding

SettlementPayout

Enablement &Value Added

Risk Management

& Compliance

Payment Processing

69

Company: Braintree Founded: 2007 Headquarters: USA

Braintree provides the global commerce tools to build businesses, accept payments and enable commerce for their users.

25 15

713

9

42

Company: Cardinity Founded: 2007 Headquarters: Lithuania

Click2Sell offers Cardinity, a licensed payment institution regulated by the Central Bank of the Republic of Lithuania and active in the European Union. The company is registered to provide Visa Europe and Mastercard with International payment cards processing platforms in the European Union.

15 6

125

4

September 2017 | 21Payments Powering Platforms Tracker™ © 2017 PYMNTS.com all rights reserved

Merchant Onboarding

SettlementPayout

Enablement &Value Added

Risk Management

& Compliance

Payment Processing

Merchant Onboarding

SettlementPayout

Enablement &Value Added

Risk Management

& Compliance

Payment Processing

58

Company: Cayan Founded: 1998 Headquarters: USA

Cayan is a provider of platform payment technologies. The company works to streamline the buying process by providing credit card payment acceptance solutions for small businesses.

15 11

912

11

43

Company: Chargebee Founded: 2011 Headquarters: USA

Chargebee is a subscription management and recurring billing platform. The company’s solution enables users to send invoices as well as manage and analyze their eCommerce businesses.

8 8

912

6

September 2017 | 22Payments Powering Platforms Tracker™ © 2017 PYMNTS.com all rights reserved

Merchant Onboarding

SettlementPayout

Enablement &Value Added

Risk Management

& Compliance

Payment Processing

Merchant Onboarding

SettlementPayout

Enablement &Value Added

Risk Management

& Compliance

Payment Processing

65

25

420

6

Company: Charity Checkout Founded: 2009 Headquarters: UK

Charity Checkout is a social enterprise that offers customized payment processing systems, websites and fundraising platforms for its clients across the U.K. The company has helped charities raise over £9 million in online donations.

10

32

Company: Chase Paymentech Founded: 1985 Headquarters: USA

Chase Paymentech offers payment processing, including both mobile payment processing and POS processing, along with authorization services, analytics, security features and others solutions.

0 15

90

8

September 2017 | 23Payments Powering Platforms Tracker™ © 2017 PYMNTS.com all rights reserved

Merchant Onboarding

SettlementPayout

Enablement &Value Added

Risk Management

& Compliance

Payment Processing

Merchant Onboarding

SettlementPayout

Enablement &Value Added

Risk Management

& Compliance

Payment Processing

58

25

40

9

Company: Clarus Merchant Services Founded: 1999 Headquarters: USA

Clarus Merchant Services is a payment processor that provides POS solutions, online payment processing and other services to companies, such as ERPs.

20

49

15

95

11

Company: Creditcall Founded: 1997 Headquarters: USA

Creditcall provides a mobile processing platform for attended, unattended and online retail environments. The company also offers an EMV-certified payment gateway, EMV mitigation services and other payment services.

9

September 2017 | 24Payments Powering Platforms Tracker™ © 2017 PYMNTS.com all rights reserved

Merchant Onboarding

SettlementPayout

Enablement &Value Added

Risk Management

& Compliance

Payment Processing

Merchant Onboarding

SettlementPayout

Enablement &Value Added

Risk Management

& Compliance

Payment Processing

48

15

98

8

Company: CyberSource Payment Management Founded: 2010 Headquarters: USA

CyberSource, a payment gateway and merchant services provider, focuses on the active management of the payment process, from payment acceptance and order screening through reconciliation and payment security.

8

54

18

1015

5

Company: Dwolla Founded: 2010 Headquarters: USA

Dwolla provides a service for bank transfers (i.e., ACH transactions) for platforms. Customers can use branded or white-label APIs to verify bank accounts instantly, transfer payments, keep balances or route funds directly to bank account and routing numbers.

6

September 2017 | 25Payments Powering Platforms Tracker™ © 2017 PYMNTS.com all rights reserved

Merchant Onboarding

SettlementPayout

Enablement &Value Added

Risk Management

& Compliance

Payment Processing

Merchant Onboarding

SettlementPayout

Enablement &Value Added

Risk Management

& Compliance

Payment Processing

73

25

413

11

Company: Elavon Founded: 1991 Headquarters: USA

Elavon is a provider of payment processing solutions for large worldwide enterprises and locally owned small businesses. The company aims to deliver flexible and secure alternatives for their customers.

20

56

Company: eMoney Founded: Unknown Headquarters: USA

ETS developed and maintains the eMoney Commerce Platform, an end-to-end encrypted solution. The platform processes face-to-face and back-office transactions, along with payment via eCommerce and mobile payment applications.

18

125

13

8

September 2017 | 26Payments Powering Platforms Tracker™ © 2017 PYMNTS.com all rights reserved

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48

8

155

12

Company: EVO Payments Founded: Unknown Headquarters: USA

EVO Payments International is a payments service provider of merchant acquiring and processing solutions. The company offers solutions for merchants, financial institutions, independent software vendors, independent sales organizations, government organizations and multinational corporations located throughout North America and Europe.

8

43

15

75

7

Company: E-xact Transactions Founded: 1998 Headquarters: Canada

E-xact Transactions is a Canada-based eCommerce software company providing transaction solutions and specializing in PCI security techniques and risk management. E-xact offers secure, real-time credit card transaction processing.

9

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September 2017 | 27Payments Powering Platforms Tracker™ © 2017 PYMNTS.com all rights reserved

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57

25

420

4

Company: Fiserv Founded: 1984 Headquarters: USA

Fiserv offers financial services technology and services. The company’s solutions are designed for mobile and online banking, payments, risk management, data analytics and core account processing.

4

57

Company: Flagship Founded: 2001 Headquarters: USA

Flagship Merchant Services offers a credit card processing platform. The company has partnered with several other service providers in the space and specializes in credit card fraud, loss prevention and chargebacks.

15

1212

9

9

September 2017 | 28Payments Powering Platforms Tracker™ © 2017 PYMNTS.com all rights reserved

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31

Company: Forte Payment Systems Founded: 1998 Headquarters: USA

Forte offers a multiplatform service as well as a payment gateway for nonpro t organizations, government, among others. The company also provides comprehensive reporting of security for all the transactions performed on their platform.

7

48

7

5

48

15

912

6

Company: Fortumo Founded: 2007 Headquarters: Estonia

Fortumo is a mobile payments platform that enables direct carrier billing with more than 350 mobile operators in 90+ countries. The company’s payment products work across a wide range of platforms including desktop devices, smartphones, feature phones, tablets and smart TVs.

6

September 2017 | 29Payments Powering Platforms Tracker™ © 2017 PYMNTS.com all rights reserved

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53

15

412

7

Company: Freedom Pay Founded: 2000 Headquarters: USA

FreedomPay is a white-label eCommerce platform designed to provide cashless solutions for banks, retailers and health care organizations. The company complies with the PCI Security Standards Council since it offers NFC capabilities.

15

51

15

913

6

Company: FuturePay Founded: 2013 Headquarters: USA

FuturePay is a payment option that enables consumers to shop online without a credit card. FuturePay is a non-credit card payment option giving shoppers the ability to buy now and pay later from any device.

8

September 2017 | 30Payments Powering Platforms Tracker™ © 2017 PYMNTS.com all rights reserved

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45

15

95

8

Company: G2A PAY Founded: 2015 Headquarters: Hong Kong

G2A PAY offers a payment and checkout solution which can be customized by merchants. It provides plugins to several popular CMS platforms for simplified integration.

8

61

15

1212

11

Company: GlobalOnePay Founded: 2003 Headquarters: USA

GlobalOnePay® is a leading provider of omnichannel payment processing technologies and merchant platforms. The company’s modular, scalable, cloud-based offering works to enable businesses to grow accept a wide range of payments. GlobalOnePay also provides a range of merchant services designed to help businesses increase sales and efficiencies for online, in-store and mobile purchases.

11

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September 2017 | 31Payments Powering Platforms Tracker™ © 2017 PYMNTS.com all rights reserved

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55

15

920

6

Company: Golden Giving Founded: 2011 Headquarters: U.K.

Golden Giving is a donation and fundraising website that is free to use for charities, donors and fundraisers. The company supports domestic and overseas charities and causes. Organizations use the Golden Giving website to support, extend and enhance their own fundraising and donation platforms.

5

60

25

412

9

Company: Greater Giving Founded: 2002 Headquarters: USA

Greater Giving was born out of the desire of shortening benefit auction checkout lines. The company provides support with training classes, videos and resources, and ongoing phone, email and live chat coverage for its clients.

10

September 2017 | 32Payments Powering Platforms Tracker™ © 2017 PYMNTS.com all rights reserved

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59

15

1512

10

Company: Heartland Founded: 1997 Headquarters: USA

Heartland Payment Systems, Inc., provides a payment processing platform to merchants in the U.S. and Canada. This involves facilitating the exchange of information and funds between merchants and a cardholder’s financial institutions, providing electronic payment processing services to merchants, transaction authorization and electronic draft capture, clearing and settlement, merchant accounting, merchant assistance, and support and risk management.

7

67

15

420

13

Company: Handpoint Founded: 2009 Headquarters: U.K.

Handpoint provides a payment solution as a service for POS, delivering pre-certified chip and contactless payments to POS developers, without the need of extra certifications. The company provides services in North America, Europe and South Africa.

15

September 2017 | 33Payments Powering Platforms Tracker™ © 2017 PYMNTS.com all rights reserved

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68

15

105

13

Company: Ingenico Founded: 1996 Headquarters: France

Ingenico Group provides payment services for in-store, online and mobile channels and serves financial institutions, retailers and merchants of all sizes.

25

50

15

125

9

Company: JetPay Founded: 1999 Headquarters: USA

JetPay offers technology solutions for the eCommerce and card-not-present marketplace, including processing and acquiring platforms.

9

September 2017 | 34Payments Powering Platforms Tracker™ © 2017 PYMNTS.com all rights reserved

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48

15

155

7

Company: Judopay Founded: 2012 Headquarters: UK

Judopay helps online merchants accept credit card and alternative payments. The company’s solution is designed for easy integration, an enjoyable user experience and safer transactions.

6

49

15

1212

6

Company: Klarna Founded: 2005 Headquarters: Sweden

Klarna provides eCommerce payment platforms for merchants and shoppers. Klarna separates buying from paying by allowing customers to pay for ordered goods after receiving them, providing them with a safe after-delivery payment solution.

4

September 2017 | 35Payments Powering Platforms Tracker™ © 2017 PYMNTS.com all rights reserved

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49

8

158

12

Company: MagicPay Founded: 2010 Headquarters: USA

MagicPay offers credit card processing for all platform merchants. Services include mobile payment processing, retail solutions and a virtual payment gateway with recurring billing option for eCommerce merchants.

6

59

18

98

9

Company: MagTek Founded: 1972 Headquarters: USA

MagTek is a manufacturer of electronic devices and systems for the issuance, reading, transmission and security of cards, checks, PINs and other identification documents. Its products include secure card readers, check scanners, PIN pads and distributed credential issuing systems. These products are used by financial institutions, retailers, hotels, law enforcement agencies and other organizations to provide electronic payment and identification transactions.

15

September 2017 | 36Payments Powering Platforms Tracker™ © 2017 PYMNTS.com all rights reserved

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65

18

412

6

Company: MangoPay Founded: 2013 Headquarters: Luxembourg

MangoPay is a payments app developed for marketplaces, crowdfunding platforms and collaborative consumption platforms that can accept third-party payments.

25

53

8

412

4

Company: Max Pay Founded: 2014 Headquarters: Malta

MaxPay is an eCommerce platform intended to build marketplaces, online storefront and/or subscription services. It also provides anti-fraud security, which is customizable for any type of business.

25

September 2017 | 37Payments Powering Platforms Tracker™ © 2017 PYMNTS.com all rights reserved

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56

15

912

11

Company: NMI Founded: Unknown Headquarters: USA

NMI is a payment platform enabling online money acceptance for eCommerce and online retailers. The company provides payments enablement technology allowing ISOs, VARs, ISVs and payment facilitators to offer branded payment gateway services. NMI processes payments made via credit card, debit card or Apple Pay, and is EMV-certified.

9

61

18

155

12

Company: North American Bancard Velocity Founded: Unknown Headquarters: USA

NAB Velocity aims to provide software developers and businesses with secure and customizable payment solutions. These solutions include credit and debit card processing, ACH processing, and gift/loyalty card programs from an ecosystem of payment service providers.

11

September 2017 | 38Payments Powering Platforms Tracker™ © 2017 PYMNTS.com all rights reserved

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28

8

75

6

Company: Orbital Payment Gateway Founded: Unknown Headquarters: USA

OrbitalPay is an end-to-end payment solution. The solution is designed to help process payments across a wide range of industries.

2

47

15

95

10

Company: Payclix Founded: Unknown Headquarters: USA

Payclix is an online payment solution that provides a platform to invoice, collect and transfer payments online. It works to save merchants save time and money by allowing them to accept payments online or pay the suppliers remotely. Companies can receive payments via credit cards, debit cards and eCheck/ACH and pay suppliers, contractors, vendors and employees with a single click.

8

September 2017 | 39Payments Powering Platforms Tracker™ © 2017 PYMNTS.com all rights reserved

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52

15

155

8

Company: PayJunction Founded: Unknown Headquarters: USA

PayJunction is a merchant service provider and payment gateway for medium- to large-sized businesses. The company has also formed strategic alliances with financial institutions and technology partners to deliver more comprehensive services to customers.

9

52

8

1013

12

Company: Payline Data Founded: 2009 Headquarters: USA

Payline Data is a company powering payment experiences for buyers and sellers. The company offers POS systems that can accept mobile payments in-store.

9

September 2017 | 40Payments Powering Platforms Tracker™ © 2017 PYMNTS.com all rights reserved

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62

15

920

8

Company: Paymentwall Founded: 2005 Headquarters: USA

Paymentwall is an eCommerce and digital distribution solution providing a single API-supported platform to manage commerce online. Paymentwall serves B2B and B2C clients and customers ranging from individuals to publicly-traded companies.

10

46

Company: Payment Express Founded: 1997 Headquarters: New Zealand

Payment Express is a payment processing platform that, in addition to payment processing services, also offers eCommerce features and vending/unattended solutions.

15 7

125

7

September 2017 | 41Payments Powering Platforms Tracker™ © 2017 PYMNTS.com all rights reserved

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41

Company: Payone Founded: 2002 Headquarters: Germany

PAYONE offers enterprise solutions for automated handling of all eCommerce payment processes. The company is certified as a paying institution by the German Federal Financial Supervisory Authority.

15 8

95

4

34

Company: Payoneer Founded: 2005 Headquarters: USA

Payoneer seeks to empower global commerce by connecting businesses, professionals, countries and currencies with its innovative cross-border payments platform.

0 15

48

7

September 2017 | 42Payments Powering Platforms Tracker™ © 2017 PYMNTS.com all rights reserved

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65

Company: PayPal Founded: 1998 Headquarters: USA

PayPal provides a crowdfunding platform for multiple operations. The company’s scope varies from individual customer to nancial institutions. By using the PayPal platform, multiple users can interact among each other, sending money from their personal merchant account to different types of institutions, banks or B2B marketplaces.

17

48

11

25

67

Company: PayPoint Founded: 1996 Headquarters: Estonia

PayPoint is a retail payments collection and services platform. Offering an all-in-one payment platform with PayPoint services, EPOS and card payments, the platform is primarily used for the cash payment of bills and services or prepayments.

15

1812

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9

September 2017 | 43Payments Powering Platforms Tracker™ © 2017 PYMNTS.com all rights reserved

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78

Company: Paysafe Founded: 1997 Headquarters: Isle of Man

Paysafe delivers a suite of payments solutions. The company offers card issuing and acquiring, fraud, risk and compliance services, along with payment gateways to merchant accounts.

25 15

720

11

58

Company: PayStand Founded: 2013 Headquarters: USA

PayStand provides an eCommerce checkout system that enables any organization to receive money via their website, social network or web application without transaction costs. The company also offers a multipay- ment gateway that accept credit cards as well as eChecks and eCash.

17

720

9

5

September 2017 | 44Payments Powering Platforms Tracker™ © 2017 PYMNTS.com all rights reserved

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56

8

78

8

Company: PayUmoney Founded: 2002 Headquarters: India

PayU Payments Private Limited provides online consumer payment processing services. It processes various payment options that include credit cards, debit cards, cash cards and mobile wallets, along with IVR payments and email invoicing.

25

83

25

187

8

Company: Payza Founded: 2012 Headquarters: UK

Payza is an eCommerce payment platform that facilitates transfer of funds and acceptance of payments and online payment transactions without the need for traditional banking services. Payza’s e-wallet software provides a platform for payments, remittances, eCommerce, prepaid debit cards, currency and exchange services. The company also offers a range of tools for bookkeeping, money management and payments.

25

September 2017 | 45Payments Powering Platforms Tracker™ © 2017 PYMNTS.com all rights reserved

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41

15

95

6

Company: PayZippy Founded: 2013 Headquarters: India

PayZippy is a payment product enabling consumers and merchants to make mobile and online payments. Users save their card details such as card number, expiration date and name to transact quickly with PayZippy.

6

50

15

912

8

Company: PlugnPay Technologies Founded: 1996 Headquarters: USA

PlugnPay Technologies offers eCommerce solutions. The company’s transaction platforms are designed for merchants, developers and resellers, among others.

6

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September 2017 | 46Payments Powering Platforms Tracker™ © 2017 PYMNTS.com all rights reserved

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77

25

1812

13

Company: Sage Pay Founded: Unknown Headquarters: Spain

Sage Pay is a payment solutions company. The company offers services such as online payments, face-to-face payments, phone payments and invoice payments.

9

62

18

413

7

Company: Spire Payment Solutions Founded: 2004 Headquarters: USA

Spire Payment Solutions provides PCI-compliant mobile payment solutions to nonprofit organizations across the the United States for fundraising events. The company also develops electronic payment solutions for financial and retail organizations in Europe and supplies a range of fixed terminals, portable and mobile payment terminals, and unattended terminals for integration with cash register systems and self-service kiosks.

20

September 2017 | 47Payments Powering Platforms Tracker™ © 2017 PYMNTS.com all rights reserved

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81

Company: Square Founded: 2009 Headquarters: USA

Square provides a payment software and inventory tracking to small businesses. It also offers a crowdfunding feature called Square Cash, which facilitates the reception of money from customers and small enterprises. Additionally, the company offers an inventory service.

25 25

138

10

46

Company: Stripe Founded: 2010 Headquarters: USA

Stripe allows companies to accept payments in their online stores and mobile apps. Other products offered include Stripe Checkout, which, apart from credit and debit cards, also supports bitcoin and Alipay.

7

48

12

15

September 2017 | 48Payments Powering Platforms Tracker™ © 2017 PYMNTS.com all rights reserved

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44

Company: TransFirst Founded: 2014 Headquarters: USA

TransFirst is the largest privately held processor in the U.S. not associated with a bank.

8

155

10

6

50

Company: TrustCommerce Founded: 1996 Headquarters: USA

TrustCommerce provides a payment processing and risk management platform. The company’s platform offers privacy and security features, along with tools to decrease the amount of time spent at checkout.

15

125

9

9

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September 2017 | 49Payments Powering Platforms Tracker™ © 2017 PYMNTS.com all rights reserved

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71

Company: Vantiv Founded: 1971 Headquarters: USA

Vantiv Integrated Payments works with software developers and technology service rms to integrate payments within both the front and back of point-of-sale systems and applications. The company specializes in payment acceptance, card issuing and processing, mobile payment technologies, fraud prevention and data security.

25

713

11

15

55

25

45

11

Company: Verifone Founded: 1981 Headquarters: USA

Verifone markets and services electronic payment solutions for consumers, merchants and financial institutions. Its product portfolio is comprised of contactless and countertop systems as well as electronic cash register and payment devices, PIN pads, POS systems, indoor and outdoor unattended payment solutions, wireless handheld payment devices, and POS receipt printers.

10

September 2017 | 50Payments Powering Platforms Tracker™ © 2017 PYMNTS.com all rights reserved

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62

8

713

9

Company: Wells Fargo Founded: 1852 Headquarters: USA

Wells Fargo provides banking, insurance, investments, mortgage and consumer finance services across the United States and internationally. Since its foundation, the company has experienced some mergers and acquisitions, becoming by 2012 a bank with 9,000 retail branches, 12,000 ATMs in 39 states and the District of Columbia.

25

92

Company: WePay Founded: 2008 Headquarters: USA

WePay is a payments provider focused solely on meeting the needs of online platforms that need to settle money between their users. In addition, it provides an online marketplace or cloud software that facilitate payments from within their app. This includes not just credit card processing, but also solutions for managing fraud risk, regulatory compliance and customer support.

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September 2017 | 51Payments Powering Platforms Tracker™ © 2017 PYMNTS.com all rights reserved

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52

Company: WIRECARD Founded: 1999 Headquarters: Germany

WIRECARD is a provider of outsourcing and white label solutions for electronic payment transactions. The company offers software and IT technology for outsourcing and white label solutions for payment processing and issuing products.

15 7

912

9

55

Company: Worldline Founded: 1970 Headquarters: France

Worldline is a payments and transactional services provider. The company has experience connecting and securing connection, and creates and operates digital platforms that handle all transactions between a company, its partners and its customers.

15 11

125

12

September 2017 | 52Payments Powering Platforms Tracker™ © 2017 PYMNTS.com all rights reserved

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47

Company: Worldpay Founded: 1991 Headquarters: UK

Worldpay’s payment processing solutions support 120 currencies, enabling merchant customers to accept an array of payments types, across multiple channels, worldwide.

17 5

48

13

91

Company: YapStone Founded: 1999 Headquarters: USA

YapStone is a global provider of online and mobile payment solutions for global marketplaces and large vertical markets.

15

1820

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25

September 2017 | 53Payments Powering Platforms Tracker™ © 2017 PYMNTS.com all rights reserved

PYMNTS.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.

WePay helps online platforms embed more revenue with integrated payments processing under their own name. The company has uniquely enabled Constant Contact, GoFundMe, Meetup, and more than 1,000 other platforms to incorporate payments without compromising on their user experience or taking on risk and regulatory exposure. WePay earned recognition on the 2015 and 2016 Inc. 500 lists as one of the fastest growing private US companies. It is backed by investors including August Capital, Highland Capital Partners, and Japanese e-commerce leader Rakuten. For more information, visit wepay.com.

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September 2017 | 54Payments Powering Platforms Tracker™ © 2017 PYMNTS.com all rights reserved

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