Payment systems

Electronic money, or e-money, is the money balance recorded electronically on a stored-value card.

A giro (/ˈdʒaɪəroʊ/, /ˈdʒɪroʊ/, /ˈʒɪroʊ/, /ˈdʒɪəroʊ/, or /ˈʒɪəroʊ/), or giro transfer, is a payment transfer from one bank account to another bank account and instigated by the payer, not the payee.

First Data Corporation is a global payment technology solutions company headquartered in Atlanta, Georgia, United States.

Google Wallet is a peer-to-peer payments service developed by Google that allows people to send and receive money from a mobile device or desktop computer at no cost to either sender or receiver.

Google Checkout was an online payment processing service provided by Google aimed at simplifying the process of paying for online purchases.

The Single Euro Payments Area (SEPA) is a payment-integration initiative of the European Union for simplification of bank transfers denominated in euro.

A postal order is a financial instrument usually intended for sending money through the mail.

Liberty Reserve was a Costa Rica-based centralized digital currency service that billed itself as the "oldest, safest and most popular payment processor.

SMSCOIN is a mobile payment systems provider which specializes in SMS payments in particular, and provides premium SMS services in 92 countries supporting hundreds of mobile carrier networks worldwide.

Crowdfunding is the practice of funding a project or venture by raising monetary contributions from a large number of people.

Unistream (Russian: Юнистрим), sometimes written UNIstream Bank, is an international money transfer company and bank based in Russia.

Bacs Payment Schemes Limited (Bacs), formerly known as Bankers' Automated Clearing Services, is the organisation with responsibility for the schemes behind the clearing and settlement of UK automated payment methods Direct Debit and Bacs Direct Credit, as well as the provision of managed services for third parties.

A virtual currency or virtual money has been defined in 2012 by the European Central Bank as "a type of unregulated, digital money, which is issued and usually controlled by its developers, and used and accepted among the members of a specific virtual community.

3-D Secure is an XML-based protocol designed to be an additional security layer for online credit and debit card transactions.

A voucher is a bond of the redeemable transaction type which is worth a certain monetary value and which may be spent only for specific reasons or on specific goods.

A stored-value card is a payments card with a monetary value stored on the card itself, not in an external account maintained by a financial institution.

CLS (originally Continuous Linked Settlement) is a specialist US financial institution that provides settlement services to its members in the foreign exchange market (FX).

A debit card (also known as a bank card or check card) is a plastic payment card that can be used instead of cash when making purchases.

A negotiable instrument is a document guaranteeing the payment of a specific amount of money, either on demand, or at a set time, with the payer named on the document.

Stilt is a lending platform for expatriates based in the United States of America.

Boku Inc. provides a mobile payments platform headquartered in San Francisco, CA, enabling consumers to pay for goods and services using their mobile phone number, with purchases billed to a consumer's mobile network operator bill.

BPAY is an electronic bill payment system in Australia which enables payments to be made through a financial institution's online, mobile or telephone banking facility to organisations which are registered BPAY billers.

Ready Financial, headquartered in Boise, Idaho, is the creator of the ReadyDebit Visa Inc.

Revolution Money is a financial services company whose products include a PIN-based credit card, online person-to-person payments service with a linked stored value card, and gift card.

A truck system is an arrangement in which employees are paid in commodities or some currency substitute (such as vouchers or token coins, called in some dialects scrip or chit) rather than with standard currency.

FreedomPay is a white-label commerce platform for banks, retailers and healthcare providing secure, cloud-driven user experiences, across the commerce ecosystem: in-store, online and mobile.

Lemon Wallet was a cloud-based digital wallet that allowed users to store digital copies of credit cards, debit cards, reward cards, as well as identification, and other card information.

Paymentwall Inc. is a U.

VocaLink is a payment systems company headquartered in the United Kingdom, created in 2007 from the merger between Voca and LINK.

Disney's Fastpass (known as FastPass+ in the Walt Disney World Resort in Florida) is a virtual queuing system created by the Walt Disney Company.

JPay is a privately held corrections-related service provider based in the United States with its headquarters in Miramar, Florida.

Bill.com is a US-based cash flow management software system, provided as a software as a service that integrates with accounting and banking systems.

TransferGo is a digital remittance solution for migrant workers launched by Justinas Lasevičius, Daumantas Dvilinskas, Arnas Lukoševičius and Edvinas Šeršniovas on 18 September 2012.

PowaTag is a mobile payment enabling technology and mobile application by Powa Technologies.

Counterparty is a financial platform for creating peer-to-peer financial applications on the bitcoin blockchain.

The threshold pledge or fund and release system is a way of making a fundraising pledge as a group of individuals, often involving charitable goals or financing the provision of a public good.

BitPass was an American company from 2002-2007 that developed an online payment system for digital content and services including micropayments.

The Electronic Money Association (EMA) is the trade body representing electronic money issuers in Europe.

FundAmerica is New York-based company which offers back office financial technology services for the crowdfunding industry.

GreenZap was an online buying and spending account service that claimed to compete with PayPal.

LevelUp is an American mobile payments platform created by Boston, Massachusetts-based start-up SCVNGR.

Billon is a peer-to-peer payment system based on digital cash blockchain solution.

Prepaid refers to services paid for in advance.

A letter of credit is a document, typically from a bank (issuing bank), assuring that a seller (beneficiary) will receive payment up to the amount of the letter of credit, as long as certain documentary delivery conditions have been met.

Toast, Inc. is a cloud-based restaurant software company based in Boston, MA.

A money order is a payment order for a pre-specified amount of money.

Manual fare collection is the practice of collecting fares manually (without the aid of an automated machine).

Ensygnia is a UK-based technology company.

Phlo is a cloud-based accounting software service designed for owners of the types of small client-service businesses that send invoices to clients and get paid for their time and expertise.

Epos Now is a cloud-based software provider, specialising in the design and manufacture of electronic point of sale (commonly referred to as EPOS), which encompasses features including but not limited to reporting, stock control, and CRM for retail and hospitality businesses.

CyberCash, Inc. was an internet payment service for electronic commerce, headquartered in Reston, Virginia.

The Depository Trust & Clearing Corporation (DTCC) is an American post-trade financial services company providing clearing and settlement services to the financial markets.

Green Petrol, (GPSEI) is one of the Iranian largest providers of fuel retailing solutions.

SIA S.p.A. is an Italian company operating in the area of ICT, providing solutions and technologies to the banking and finance sector in addition to platforms for financial markets and e-payment services.

ChargeSmart is a web-based e-commerce business allowing credit card funded bill payments to be made through the Internet.

CardIt is an online payment system for monthly mortgage bills using a major credit card.

DataCash is a payment processing company which offers a global gateway to secure multi-channel payment processing and fraud and risk management services.

Clearstream is a post-trade services provider owned by Deutsche Börse AG.

InteliSpend Prepaid Solutions is a private company formed as a joint venture by American Express and Maritz, Inc in 1997.