Top U.S. Commercial Card IssuersVisa and MasterCard commercial card issuers ranked by purchase volume generated in 2014 are listed on pages 9, 10, and 11. Rankings are by products — purchasing cards, corporate travel and entertainment (T&E) cards, fleet cards, small business debit cards, small business credit
Ingenico & Google Are eCommerce PartnersIngenico Payment Services and Google will jointly offer Export Accelerator to help merchants boost crossborder sales online. Before rolling out Export Accelerator across Europe and in other
First Data’s Clover Mini POS TabletClover Mini, the new payment card acceptance device from First Data, a merchant acquirer and processor connected to six million retail locations worldwide, was created to displace countertop
Miura Systems mPOS DevicesMiura Systems was a pioneer in the development and manufacture of mobile card reader/PIN pad devices that can be both handheld or secured and locked in a cradle for traditional retail
Europe’s 50 Largest Credit & Debit Card IssuersRanked on pages 6 and 7 are the 50 largest issuers from 15 countries of Visa, MasterCard, Maestro, JCB, Diners Club, American Express, and domestic credit, debit, and prepaid
ClearXchange Real-Time PaymentsMore than 60% of all U.S. consumers with mobile banking apps and 50% of those with online banking apps are customers of financial institution members of clearXchange, which has offered
Mobile Payments in CanadaMobile network operators (MNO) in Canada that support more than 90% of that country’s smartphone devices will participate in suretap, a mobile wallet that offers NFC-based contactless
Amex Waits for Appeals CourtThe Court of Appeals for the Second Circuit decided not to grant American Express’s request for a stay of a permanent injunction issued by the U.S. District Court for the Eastern District of New
6 Largest Credit Card Issuers in Europe 6 Largest Debit Card Issuers in Europe 7 Largest General Purpose/Visa/
MasterCard Issuers in Europe
10, 11 Issuers of Small Business Credit, Fleet, Purchasing, Small Business Debit, Prepaid, and Corporate T&E Commercial Cards
2 – 3 Fast Facts INSIDE CHARTS
Top Issuers of CommercialCards in the U.S.
Purchase Volume (Bil.) in 2014with increase vs. 2013
6th Annual Healthcare Payments Innovations 2015: July 27-28, 2015. The Hyatt Regency, Boston, Massachusetts. Estimated attendance: 120. Cost for the two-day conference ranges from $995 to $1,695. Subscribers to The Nilson Report will receive a $300 discount. (Use code NILSON300.) Contact Kathleen Daffner at Strategic Solutions Network, (203) 209-0520, [email protected]. Register at www.hcpaymentsinnovations.com.
The Prepaid Press Expo 2015 - tppEXPO’15: August 11-13, 2015. The Planet Hollywood, Las Vegas, Nevada. Estimated attendance: 1,800 visitors & 65+ exhibitors. Cost for a 3-Day All Access Pass is $250; Free Exhibit Hall Pass (through June 12). Contact (305) 421-7209, ext. 505, [email protected]. Register at www.prepaidpressexpo.com.
VISA AND FIREEYE will co-develop Community Threat Intelligence, tools and services to help merchants and issuers protect against advanced cyber attacks targeting payment data. FireEye will operate the web-based service. Rich Stegina is VP Strategic Partnerships at FireEye, (650) 279-6224, [email protected], www.fireeye.com. Mark Nelsen is SVP of Risk Products at Visa, (415) 805-4056, [email protected], www.visa.com.
PAYNET, a provider of credit ratings on small businesses, offers lenders Risk Insight Suite, an interactive platform which gives instant access to credit performance data and industry analysis. PayNet maintains a proprietary data-base of small business loans, leases, and lines of credit encompassing over 23 million contracts. William Phelan is President, (847) 965-9800, [email protected], www.paynetonline.com.
BBVA COMPASS, 32nd largest U.S. credit card issuer and 23rd largest U.S. debit card issuer, offers a digital wallet app for iPhone and Android devices which gives cardhold-ers a real-time view of card transactions and the ability to temporarily or permanently deactivate lost or stolen credit cards. The service also allows the bank’s credit cardholders to set up transaction alerts and change their PINs. Melissa Jankowski is the Head of Payment Cards at BBVA Compass, (713) 831-5597, [email protected], www.bbvacompass.com.
PAYVERIFI’S card-not-present payment validation and authentication system is now available to merchants as a white-label program. Call centers will be able to keep all authentication and verification information under each in-dividual campaign or company. Payverifi’s system identifies and validates the consumer when a call center is making an outbound call, which reduces fraud and order inconsisten-cies. Chase Harmer is President, (408) 770-9064, [email protected], www.payverifi.com.
ANYWHERECOMMERCE has received U.S. Patent # 9,053,471, which describes a system and method for conducting secure electronic transactions using dual-authentication and Patent # 9,016,566 B2, which describes an apparatus for effecting commercial transactions with a server using a transaction card via a communication device. William Nichols is CEO, (954) 993-5093, bill.nichols@ anywherecommerce.com, www.anywherecommerce.com.
STARWOOD PREFERRED GUEST credit card from Ameri-can Express has added to existing benefits international purchases free of foreign transaction fees, complimentary WiFi access for enrollment in the Boingo American Express Preferred Plan, complimentary premium in-room Internet access, and access to Sheraton Club Lounges (for business card customers). Eva Reda is SVP, Co-brand Partnerships at American Express, (212) 640-2000, eva.reda@ aexp.com, www.americanexpress.com. Hadley Allen is Director, Financial Partnerships at Starwood Hotels & Resorts, (203) 964-6038, [email protected], www.starwoodhotels.com.
PIVOTAL PAYMENTS FlexPoint division has completed certification for point-to-point encryption of payment card transactions. The service is being made available to ISVs and VARs. Joe Lane is SVP at FlexPoint, (514) 313-1190, [email protected], www.flexpoint.me.
FISERV has expanded its in-house payment card production capabilities to include milling and embedding for EMV-compliant chip cards. Jamie Topolski is Director, Alternative Payment Strategies at Fiserv, (262) 879-5000, [email protected], www.fiserv.com.
VIRTUAL PIGGY has added peer-to-peer functionality to its Oink payment app to let teens receive deposits for work or gifts from family and friends. Jo Webber is CEO, (310) 853-1950, [email protected], www.oink.com.
BLACKHAWK NETWORK will acquire Achievers Corp., provider of employee recognition and rewards programs that help companies increase employee engagement. Blackhawk, a top program manager and distributor of prepaid products, will finance the purchase using cash on hand. Talbott Roche is President at Blackhawk, (925) 226-9030, [email protected], www.blackhawknetwork.com.
U.S. BANK’S Access Online Mobile Software tool gives users of commercial cards the ability to request virtual card accounts and have them delivered to their mobile devices to make payments. The account can be limited to one-time use for a capped amount to maintain spending control. Nicole Tackett is Head of Emerging Markets and Strategy, Corporate Payment Systems, (612) 436-6472, [email protected], www.usbpayment.com.
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BILLING SYSTEM CORPORATION, a payment service provider, will resell On Track Innovations’ NFC products in Japan. Ofer Tziperman is CEO at OTI, 972 (6 ) 693-8884, [email protected], www.otiglobal.com. Toshihiko Eda is CEO at BiIlling System, 81 (3) 5501 4400, [email protected], www.billingsystem.co.jp.
TRUSTPAY, an acquirer based in Slovakia, has joined ONPEX’s Global Ac-quiring Network. Richard Tesi is Head of Business Development at TrustPay, 42 (12) 3216-8450, [email protected], www.trustpay.eu. Christoph Tutsch is CEO at ONPEX, 49 (89) 4161-4310, [email protected], www.onpex.com.
GLOBAL PAYMENTS offers its small business customers in Canada the OptBlue program for American Express card acceptance. OptBlue provides a single source for payment processing, pricing, underwriting, risk manage-ment, settlement, reporting, support, and a consolidated statement. Jennifer Hawkins is VP & General Manger, Merchant Services at American Express Canada, (437) 836-5544, [email protected], www.americanexpress.com/canada. Jeff McGuire is VP, Product Develop-ment & Marketing at Global Payments Canada, (416) 847-4200, [email protected], www.globalpaymentsinc.com/canada.
MASTERPASS, a global digital payment and loyalty wallet from MasterCard, is now available in Belgium through BuyWay, a provider of consumer credit including MasterCard credit and prepaid cards. BuyWay, which has generated 585,000 ccustomers through retailer partnerships in Belgium and Luxembourg, is owned by private equity firm Apax Partners. Valerie Nowak is Country Manager, Belux at MasterCard, 32 (2) 352-5239, [email protected], www.mastercard.com. Ugo Setti is CCO at BuyWay, 32 (2) 209-8183, [email protected], www.buyway.be.
MAHINDRA COMVIVA’S payPLUS integrated EMV-compliant payment pro-cessing software for merchant acquirers has expanded to a full omni-channel offering by enabling in-app and web-based payment acceptance. Srinivas Nidugondi is SVP, 91 (80) 4340-1800, srinivas.nidugondi@ mahindracomviva.com, www.mahindracomviva.com.
CHIP & PIN SOLUTIONS, a UK-based provider to merchants of more than 10,000 mobile card payment terminals, will use TNS’ Global Wireless Access Roamin SIM and MIS technology to manage wireless connectivity. All trans-actions will be carried over the TNS PCI DSS certified network for delivery to acquirers. TNS will also provide Chip & PIN Solutions and its merchants with real-time transaction reporting and data analysis. Lisa Shipley is EVP at TNS, (703) 453-8300, [email protected], www.tnsi.com. Robert Murphy is Head of Logistics & Customer Service at Chip & PIN Solutions, 44 (127) 971-2609, [email protected], www.chipandpinsolutions.com.
WESTPAC, Australia’s 3rd largest acquirer of payment card transactions, will deploy Verifone’s VX690 handheld EMV and NFC-enabled terminal as well as receive full terminal management support through Verifone’s Payment as a Service platform. Steve Aliferis is Head of Banking Business, Product for Australian Financial Services at Westpac Group, 61 (2) 8219-8247, [email protected], www.westpac.com. Peter McLeod is General Manager of Australia and New Zealand at Verifone, (64) 0490-15648, peter.mcleod@ verifone.com, www.verifone.com.
Curt Hess has been appointed Interim CEO at Barclaycard US, (302) 255-8947, [email protected]. Ling Hai has been appointed Co-President, AsiaPacific at MasterCard, (65) 6533-2888, [email protected]. Ari Sarker has been appointed Co-President, AsiaPacific at MasterCard, (65) 6533-2888, [email protected]. Keith Pierce has been appointed Executive Vice President, Relationship Management at TSYS, (706) 649-2977, [email protected]. Jochen Siegert, formerly with PayPal, has been appointed Chief Operating Officer at Traxpay, 49 (69) 597-7215-77, [email protected]. Andres Duque has been appointed President at Multicolor Redeban, 57 (1) 307-7110, [email protected]. Souheil Badran, formerly with Digital River, has been appointed President and CEO at edo Interactive, (312) 219-8272, [email protected]. Frank Young, formerly with Google, has been appointed Senior Vice President, Global Product and Innovation at Global Payments, (770) 829-8226, [email protected].
POS terminals. It is immediately available in the U.S., and First Data will begin to roll it out internationally
by year end. In all
markets Clover Mini will eventually replace First Data’s FD 130 countertop device. Clover Mini accepts card payments initiated by magnetic stripes (secured by signature and PIN), EMV-compliant contact-type (PIN + signature)
chips, and EMV-compliant, NFC-based contactless card and mobile phones.
Clover Mini is the first tablet to offer fully certified on-screen PIN entry, which means
merchants don’t have to buy a peripheral device to handle
that function. The 7-inch Antimicrobial Corning
Gorilla Glass screen that displays the virtual PIN pad also captures signatures.
Clover Mini is equipped with a built-in printer, front-facing camera (to facilitate check acceptance), and barcode and QR code reader.
Merchants receive all required network and security certification including full PCI PTS 4.0, Secure Reading and Exchange of Data (SRED) module, and TransArmor
end-to-end encryption. Security and data protection includes mutually-authenticated SSL/TLS transactions.
First Data launched Clover Station (a larger, register-type tablet with cash drawer) in 2013 and Clover Mobile (a battery operated handheld device) in 2014. As is the case with those devices, Clover Mini gives merchants access to 100 software apps from the Clover App Market. These apps are created by First Data’s in-house development teams and third-party providers.
person-to-person (P2P) money transfers since 2011. In the fourth quarter of last year clearXchange added two new products — business-to-consumer (B2C) and government-to-consumer (G2C) disbursements.
Bank members of clearXchange include JPMorgan Chase, Capital One, Bank of America, U.S. Bank, and Wells Fargo — five of the six largest U.S. banks based on consumer deposits. Their customers, and those of smaller regional bank members of clearXchange, need only an email address or mobile phone number to send funds directly to a recipients checking or savings account. All interbank P2P, B2C, and G2C transactions, including those where the recipient
is not a customer of a clearXchange member bank, are settled through the automated clearing house. Intrabank transactions are settled within a member’s own internal ledger system. Recipients need to register their email or phone number only one time. Transactions are browser-based from online or mobile channels or initiated from a bank’s app.
ClearXchange members offer immediate availability of funds when money transfers and disbursements are in-house. Currently, more than 50% of clearXchange transactions are completed in real-time. New technology created by clearXchange
now enables real-time settlement for P2P, B2C, and G2C transactions when they are interbank.
ClearXchange, whose service is always white labeled by its member banks, says P2P money transfers have doubled each year since 2011. It believes there will be continued growth from that product as well as the B2C and
Members include Chase, Capital One, BofA, U.S. Bank, and Wells.
...will use it to replace its own FD 130 countertop device.
First Data’s Clover Mini POS Tablet from page 1...
ClearXchange Real-Time Payments from page 1...
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consumer and commercial cards in Europe. Collectively this group issued 679.1 million cards, which generated $2.427 trillion in purchases of goods and services at merchants in 2014.
Visa and MasterCard branded credit, debit, and prepaid cards totaled 586.9 million and generated $2.255 trillion in purchase volume. New to the top 50 were DenizBank, Turkey, Banc Sabadell, Spain, and Tesco Bank, U.K.
There were 428.4 million debit cards (including prepaid) issued by those listed in the top 50 on page 6. Collectively, those cards generated $1.612 trillion
in purchase volume. The 255.1 million credit cards issued by the 50 largest issuers shown on that same page initiated $943.66 billion in purchase volume.
Issuers from the U.K. accounted for 9 of the 50 largest credit card issuers and 8 of the 50 largest debit
card issuers. France had 5 of the 50 largest debit card issuers and 4 of the 50 largest credit card issuers. Turkey had 10 of the 50
largest credit card issuers but none of the 50 largest debit card issuers. Spain had 5 of the 50 largest credit card issuers and 6 of the 50 largest debit card issuers. Russia had 3 of the 50 largest credit card issuers and 3 of the 50 largest debit card issuers.
G2C disbursement products, which are believed to involve $3 trillion annually in payments by check for dividends, emergency relief, rebates, insurance payouts, emergency payroll, and wages for temporary workers. Most recipients of these payments prefer direct deposit versus paper check.
Mike Kennedy is CEO at clearXchange in San Francisco,
environments. It introduced its first device in 2008 only a
few months after the first iPhone hit the market. Unlike larger
manufacturers of POS terminals, all products
from Miura are designed to have mobile capabilities. Last year Miura
shipped 453,000 devices, an increase of 196% from 2013. More than 80% of shipments were to customers in Europe.
Earlier this year Miura moved into Australia in partnership with Mint Systems. It also opened an office in the U.S. and announced Apriva as a partner. Last month, DFJ Espirit took a $16 million minority stake in Miura.
The M010 shown here is EMV Level I and Level II certified. Its embedded contactless reader (ISO 14443 A/B) is capable of NFC support and is Apple Pay ready. M010 uses a 32-bit ARM 9 processor to run the Linux operating system. It is manufactured by Jabil in Poland, measures 103mm x 71mm x 18mm and weighs 118 grams. The M101 wirelessly connects to any smart device using Bluetooth or Wifi. USB serial support allows for connection to all POS environments for PIN-based and/or signature-capture transactions.
Miura provides its chip and PIN hardware and associated API, which includes its EMV kernel to its payment service provider, bank acquirer, system integrator, and other customers, who then add the application software their
merchant’s need. Clients include Global
Payments, Worldpay, Adyen, Payleven, iZettle, Creditcall, and Goswiff.Mark Roberts is Senior VP, Sales
GENERAL PURPOSE CARD RESULTS VISA AND MASTERCARD RESULTS 2014 ‘14 Purch. Vol. ‘14 Total Vol. ‘14 Cards ‘14 Purch. Vol. ‘14 Total Vol. ‘14 Cards Issuer, Country Rank (mil. $U.S.) Rank (mil. $U.S.) Rank (000) Rank (mil. $U.S.) Rank (mil. $U.S.) Rank (000)
payments at the point of sale. Nearly 35% of POS terminals in Canada have NFC card readers including those at most big box retailers and supermarkets.
Suretap originally launched in May 2014 as a proprietary mobile wallet in select smartphones available from Rogers Communications, Canada’s largest MNO. However, NFC payments could only be made using a prepaid MasterCard card issued by Peoples Trust. Consumer could top up that account using a Visa or MasterCard credit or debit card from any bank.
Last fall Rogers established suretap as a stand-alone corporation in partnership with the country’s other top mobile network operators, Bell and Telus, as well as their mobile virtual network operator (MVNO) subsidiaries Virgin and Koodo.
Collectively the suretap MNOs and MVNOs
support more than 30 NFC-capable handsets from Samsung, HTC, LG, BlackBerry, and Sony. The suretap app will be preloaded on those devices. Consumers who want to download the suretap mobile payments app must first
buy a suretap NFC SIM card. The payment app is stored in a Secure Element on that SIM, which also facilitates the NFC capability and operates at 3G/4G and LTE speeds. Over-the-air provisioning of card credentials to smartphones will be handled by EnStream, which is owned jointly by Rogers, Bell, and Telus.
Suretap transactions use MasterCard Paypass or Visa payWave contactless payment protocols. American Express, which has issued contactless cards in Canada since 2011, is not participating in suretap.
Card issuers in Canada with their own mobile payments apps
include TD, RBC, Bank of Nova Scotia, CIBC, Desjardins, and President’s Choice. Some are
York related to the anti-steering provision in Section 3.2 of its Merchant Reference Guide. However, it has agreed to give American Express a new trial to relitigate the same anti-steering provision beginning the week of November 23, 2015. U.S. District Court Judge Nicholas Garaufis’ permanent injunction, which becomes effective July 20, 2015, gives merchants permission to influence a cardholder’s choice of a payment card by mentioning
brand name alternatives to American Express. The permanent injunction does not give merchants permission to surcharge, mischaracterize the American Express brand, make untrue statements,
or engage in disparaging conduct. However, American Express does not get to “prohibit, prevent, or restrain” a merchant from engaging in any practice protected by the injunction because it believes or asserts that a practice(s) disparages, mischaracterizes, or harms its business or brand. Merchants are permitted to offer a discount or rebate
for use of a Visa, MasterCard, or Discover card. They could also offer a free or discounted product or enhanced service or other kind of benefit. Merchants can post information about card brands and products to influence cardholder’s decisions.
American Express will send a notification letter in August to merchants advising of the changes to its Merchant Reference Guide. It will also set up a website to offer additional information and relevant documents.
The trial in the Court of Appeals is scheduled for November 2015.
The payment app is stored in a Secure Element on the SIM.
Amex Waits for Appeals Court from page 1...
Mobile Payments in Canada from page 1...
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expected to make their debit and credit cards available to the suretap wallet as CIBC has done. CIBC, Canada’s 3rd largest credit card issuer-based on purchase volume, will support suretap for all of its credit products. Card issuers that don’t have their own mobile payment apps are also expected to support suretap.
More than 30 private label prepaid cards are preloaded with the suretap app, and more will be added. Participating retailers are expected to add loyalty applications.
The suretap mobile app supports Android and BlackBerry devices, which account for 65% of smartphones in Canada. Apple
smartphones account for the other 35%. Apple Pay is expected to launch in Canada by year-end. Suretap hopes to have 3 to 5 million of suretap SIMs in the market by year-end.Jeppe Dorff is President at Suretap
37. TIB V/M $730.2 3% 5.9 328 38. First Horizon V $719.0 –21% 4.2 182 39. City Nat’l Bank (Calif.) V $656.4 21% 3.9 29 40. Frost Bank V/M $619.5 15% 5.7 80 41. TCF Bank V $614.1 1% 6.8 139 42. First Niagara Bank M $566.0 8% 5.0 77 43. FirstBank (Colo.) V $557.9 13% 6.0 70 44. IberiaBank V $552.3 50% 3.8 49 45. Umpqua Bank V $512.8 207% 5.3 56 46. FirstMerit Bank V/M $476.1 42% 4.4 54 47. First Arkansas B&T V/M $458.8 5% 3.6 67 48. People’s United Bank M $457.9 8% 4.1 86 49. BOK Financial V $444.7 10% 5.6 40 50. State Farm Bank V $380.2 7% 3.5 64 51. BancorpSouth M $352.4 8% 3.1 54 52. Navy FCU V/M $310.4 13% 3.4 66 53. Associated Bank M $296.0 6% 3.5 41 54. Trustmark Nat’l Bank V/M $216.0 13% 2.1 37 55. BECU V/M $213.0 23% 2.7 42 56. America First CU V $201.3 19% 1.8 11 57. Washington Trust V $188.9 14% 1.6 63 58. Nordstrom V $187.9 10% 0.6 11 59. Randolph Brooks FCU M $183.7 23% 2.3 17 60. Intrust Bank V/M $170.3 11% 1.7 46 61. Alaska USA FCU V $160.2 7% 0.9 12 62. Rockland Trust V/M $138.9 35% 1.6 18 63. VyStar CU V $134.1 24% 1.7 54 64. NCMIC Finance M $121.3 –2% 1.0 12 65. First Bank (Mo.) M $100.4 2% 1.0 12 66. Desert Schools FCU V $88.5 4% 1.0 9 67. Northwest Savings V $79.4 5% 0.8 19 68. Members 1st FCU V $77.4 14% 0.8 11 69. Suncoast CU V $72.4 30% 1.0 6 70. First Midwest Bank M $66.3 8% 0.6 5 71. Space Coast CU V $59.5 24% 0.8 9 72. SAFE CU (Calif.) V $54.1 16% 0.7 5
U.S. Visa & MasterCard Commercial Card Issuers 2014
cards, and prepaid cards (government benefits, incentives, payroll, rewards, etc.).
There were commercial card portfolios from 13 issuers that generated at least $10.00 billion in purchase volume in 2014, up from 11 in 2013. Comdata, with growth of 37.8%, had the highest percentage increase among that group.
world regions, the partners will conduct a pilot program in Belgium. Ingenico Payment Services is a recently named
division comprised of assets purchased for more than $1.60 billion by Ingenico Group in recent years — GlobalCollect, a payment service provider, Ogone, a payment service provider, and Tunz, a mobile payments processing company. GlobalCollect and Ogone have merchant customers in 170 countries. They provide online and mobile commerce expertise in crossborder payment processing including knowledge
of chargeback and acceptance rates in foreign countries, local payment method alternatives to international card networks, and the ability to customize web pages to support sales in other languages. Its Professional Service team also helps merchants with foreign currency conversions and repatriation of funds. For compliance, tax, shipping, and logistics, Ingenico sometimes refers merchants to a third-party specialist.
Google will provide consumer demand data for Export Accelator via online tools such as Global Markets Finder.
Merchants use that information to identify new market opportunities
for crossborder sales. Google also provides digital marketing tools merchants can use to drive buyers to ecommerce sites.
Prior issues: 1045, 1044, 1037, 1034,
1030, 1020, 1010
WEX had growth of 22.4%, The Bancorp Bank grew 18.1% increase, and MetaBank increased 16.8%.
When measuring purchase volume from credit cards in corporate T&E, purchasing, fleet, and small business portfolios combined, JPMorgan Chase ranked first with $104.61 billion, up 12.6%. Bank of America, in second place, grew 12.3% to $69.96 billion. Among purchasing card issuers, Bank of America ranked first. Among corporate T&E card issuers, Citibank ranked first. Among fleet card issuers, Comdata ranked first.
When measuring purchase volume from small business debit and prepaid card portfolios combined, Bank of America was largest with $32.46 billion,
up 5.7%. Wells Fargo ranked second with $28.55 billion, up 10.0%.
Wells Fargo became the largest issuer of small business
debit cards in 2014, overtaking Bank of America. The Bancorp Bank became the largest issuer of prepaid commercial cards, overtaking Comerica Bank.
Citibank ranked first among corporate T&E card issuers.
CONTACTS
Ingenico Group Stephen Buechner is Executive VP ePayments in Brussels, Belgium, 32 (2) 7286-9611, [email protected], www.ingenico.com.
Google Belgium Thierry Geerts is Country Director in Brussels, Belgium, 32 (2) 894-4554, [email protected], www.google.com.
Ingenico Payment Services Sajal Agarwal is Head of Product Marketing in Brussels, Belgium, 32 (2) 613-0706, [email protected], www.ingenico.com.
Top U.S. Commercial Card Issuers from page 10
Ingenico & Google Are eCommerce Partners from page 1...
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