Delivering World-Class Solutions

Our strategic partners play a key role in helping us deliver a range of online payment processing and risk management solutions to clients around the globe.

International Processing Partners:

TSYS Card Tech

TSYS Card Tech has become a market-leading provider of software solutions to the payments industry. The company prides itself in delivering the highest quality products and services on time and to an agreed budget; backing up every installation with the very best support service, 24 hours a day, seven days a week. Today, more than 190 clients, including some of the world's largest banks, use TSYS Card Tech systems in over 70 worldwide locations.

TSYS Card Tech core products are all developed in-house and are designed to address any and all aspects of the card management business. TSYS Card Tech's motto of “any card, anywhere” is justified by the company's track record. TSYS Card Tech systems are flexible, modular, parameterised, robust, scalable, cost- effective and future proof.

TSYS Card Tech products and solutions, including card issuance, merchant acquiring, authorisation, message switching, key and PIN management, eCommerce, dispute and fraud management, address every aspect of the card management business cycle.

www.ctl.com

EVERTEC, Inc.

EVERTEC, a subsidiary of Popular, Inc. (NASDAQ: BPOP), is a leading provider of transaction processing and outsourcing services including application processing, business process outsourcing, programming and IT consulting to customers in 15 countries in a variety of industries. 

Through its transaction processing services EVERTEC executes over 920 million transactions yearly, and operates a network of over 4,300 automated teller machines and over 85,000 point-of-sale payment terminals. With over 1,700 professionals operating in 7 countries within the Caribbean Basin, the United States, Central and South America, EVERTEC supports a variety of production platforms ranging from portable payment devices to high-end mainframe systems.

www.evertecinc.com

First Data Merchant Services (FDMS)

First Data Corporation is a worldwide leader in electronic payment solutions. First Data through its bank partners gives a competitive edge to businesses and financial institutions, offering a complete portfolio of payment systems and services to meet the globally expanding needs of their clients. The company harnesses partnerships with industry leaders to provide leading edge, innovative products and services.

Industry leadership requires a strong commitment to business, industry and product development. Knowledge of the industries directs the creation of the right kind of products and services that drive successful business development.
www.fdms.com

Capital G Bank Limited

Capital G Bank Limited provides a wide range of banking services and has built its reputation on attractive rates and superior service. Capital G Bank Limited is a principal member of both MasterCard and Visa, having launched internationally accepted credit cards for business and personal use, and the Capital G Bank Debit Card. The Bank is a full member of SWIFT and has established several key correspondent banking relationships, allowing it to offer wire payment transactions for customers in many different currencies. The Bank is focused on building market share in Bermuda via innovative and competitively priced products, with the aim of providing a comprehensive package of banking services to its retail and corporate customers, and private clients. The Bank is regulated by the Bermuda Monetary Authority and maintains capital ratios established in accordance with the Basle International principles.

www.capital-g.com

Scotiabank International

Scotiabank is one of North America's premier financial institutions and Canada's most international bank. With more than 60,000 employees, Scotiabank Group and its affiliates serve approximately 12.5 million customers in some 50 countries around the world. Scotiabank offers a diverse range of products and services including personal, commercial, corporate and investment banking. With $462 billion in assets (as at July 31, 2008), Scotiabank trades on the Toronto (BNS) and New York Exchanges (BNS).

www.scotiabank.com

Verified by Visa

For more than thirty years, Visa has helped to set industry standards for secure payments between consumers and merchants. Verified by Visa improves the security of payment transactions in the electronic commerce environment over open networks. It increases both cardholder and merchant confidence in Internet purchases, and reduces disputes and fraudulent activity related to the use of Visa payment cards.

http://usa.visa.com/merchants/risk_management/vbv.html

MasterCard® SecureCode™

MasterCard® SecureCode™ provides merchants with a global authentication solution that takes online shopping security to a new level. Electronic retailers face unique challenges in accepting cards for payment in the eCommerce environment. Unlike the physical world, there’s no signed sales receipt online and therefore no definitive way for a merchant to dispute a cardholder claim that a purchase wasn’t made.

Now, with MasterCard® SecureCode™, there is a way to protect electronic retailers from unauthorized purchases. MasterCard® SecureCode™ is initiated on a retailer’s Web site and interacts with both the cardholder and their card issuer.

http://www.mastercard.com/us/merchant/security/what_can_do/SecureCode/index.html

PayPal

PayPal is the safer, easier way to pay and get paid online. The service allows anyone to pay without sharing financial information and gives consumers the flexibility to pay in any way they prefer, including through credit cards, bank accounts or account balances. With more than 60 million active accounts in 190 markets and 17 currencies around the world, PayPal enables global ecommerce. PayPal is an eBay company.

www.paypal.com

Ukash

Ukash was designed for people who want to use cash rather than a card when buying goods and services on the internet. Ukash is delivered as a ready-to-spend PIN code, which can be used to pay directly at one of thousands of Ukash-friendly websites. Spending Ukash is like spending cash. Ukash's parent company is called Smart Voucher Ltd., which is authorised and regulated by the Financial Services Authority in the United Kingdom as an electronic money institution.

www.ukash.com

Chexx

Chexx Inc. specializes in sending high volumes of outgoing checks and e-payments (EFTs) to beneficiaries around the world, freeing merchants to concentrate on their core business. For refunds, incentives, affiliate commissions, rebates, winnings or prizes, Chexx Inc. makes it possible for merchants to send any volume of domestic and foreign currency payments that are easy and affordable for beneficiaries to clear.

www.chexxinc.com

Strategic Risk Management Partners:

ethoca

Headquartered in Dublin, Ireland, with offices in Toronto, Canada, Ethoca is the leader in collaborative fraud management. Ethoca enables businesses operating in any customer-not-present environment (i.e., business by internet, phone, fax or mail) to make more informed decisions about their customer transactions by sharing transaction experience data in a way that is secure, automated, effective and ethical. Businesses submit transaction data to Ethoca and can use summary history and analysis based on the collaborative data of Ethoca's clients to gauge the fraud-risk associated with any given transaction.
www.ethoca.com

Technology And Design Partners:

Microsoft

Founded in 1975, Microsoft (Nasdaq "MSFT") is the worldwide leader in software, services and solutions that help people and businesses realize their full potential. MS-DOS, .NET, Office XP, 2007 Office system, Windows, Windows Server, Windows 3.0, Windows 95, Windows 98, Windows 2000, Windows XP, and Windows Vista are all registered trademarks of Microsoft Corporation.

www.microsoft.com

Tug Ltd

London, England-based Tug specializes in Search Engine Marketing, and targeted advertising to prospects that are actively searching for information or are ready to buy online. The company provides Search Engine Optimization and Pay-Per-Click solutions to assist online merchants in meeting their business and sales objectives.
www.tugsearch.co.uk

Bermedia

Bermedia is a Bermuda-based web development agency specializing in online software development using .NET, Adobe Flash and other leading web technologies. Through their years of global experience and the support of their sister agencies in London and Argentina, Bermedia is able to deliver world class solutions for all businesses.
www.bermedia.com

emedia Bermuda Limited

emedia Bermuda Limited is a full-service firm with expertise in marketing, web design and development and public relations. Established in early 2000, emedia has continually expanded and evolved to meet the needs of their clients.  The creative and cohesive team prides itself on offering a fresh approach and strategic solutions for every client, on every project. 

www.emedia.bm

Industry Associations:

The Electronic Transactions Association

The Electronic Transactions Association is an international trade association representing companies who offer electronic transaction processing products and services. The purpose of ETA is to influence, monitor and help shape the merchant acquiring industry by providing leadership through education, advocacy and the exchange of information.

ETA's membership spans the breadth of the payments industry, from financial institutions to transaction processors to independent sales organizations (ISOs) to equipment suppliers.

More than 500 companies worldwide are members of ETA.
www.electran.org

Ministry of Telecommunications & eCommerce (MTEC), Bermuda

The mission of MTEC is to foster a culture of technology excellence by “facilitating” the continued development, growth and advancement of technology, technology related business, opportunities skills and access, in keeping with the social agenda objectives of empowering Bermuda’s economic growth, social fabric and economy, and enabling Bermuda to continue to be recognized as the prime technology offshore jurisdiction and centre for business technology excellence.

http://www.mtec.bm