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The Payment Data Systems, Inc. began in 1998 when we were formed as Billserv. Over the next four years, Billserv became the most successful Electronic Bill Presentment and Payment (EBPP) Company in the industry. This was demonstrated by the fact that Billserv had under contract companies that represented approximately 16% of all paper bills produced in the United States. In 2003, we determined, based on our extensive knowledge and experience gained by processing over $1.5 billion in annual value of electronic payments, web payment deployment, the industry needed efficient, secure, cost-effective, and integrated payment solutions. Today, Payment Data Systems, Inc. is quickly gaining recognition in the industry and among our customers as a premier solutions provider for all forms of payment processing.

Payment Processing, Inc. (PPI) is the industry leader in providing integrated payment processing solutions. Our close partnerships with software developers give us a unique perspective on the issues and opportunities associated with integrated payment processing for them, their resellers, and their customers. Payment Processing Incorporated was founded in March 1995 as a sister company to IC Verify with Chuck Smith, PPI's current Chairman and CEO, as General Manager. Chuck quickly became aware of the problems experienced by software developers and merchants as the developers struggled to integrate payment processing into their applications. He witnessed the lack of support for merchants, and the frustration they experienced as they were bounced from their bank to their software provider - and then back again - each time they sought technical help. It was clear that the solution was a combination of technology and service, and the market was ready for someone to step up to the challenge.

PaymentOne has pioneered advanced "No Credit Card Required" payment and marketing services that accelerate the adoption of digital services and premium content. As the foundation of its services, the company manages the PaymentOne Carrier Network ™ (PCN) which provides digital merchants a single integration point and direct access to over 150 million billable consumers across over 1000 network operators. PaymentOne's turnkey payment platforms, hosted commerce management and content syndication services help clients attract, convert and retain more consumers. PaymentOne Corporation services and best practice expertise have proven to lift client revenue and subscriber acquisition rates by 25% or more.

PayPal lets individuals and merchants transfer money via personal computer or Web-enabled mobile phone, with transactions charged to the customer's bank account, credit card, or PayPal balance. PayPal, Inc. earns fees mainly from payment transactions, foreign exchange, and withdrawals from foreign bank accounts, as well as on its customer balances and PayPal-branded credit and debit cards. PayPal has about 80 million users in 190 markets and 24 currencies around the world. A subsidiary of eBay, the company accounts for more than half of its parent company's net total payment volume. In 2008 eBay bought one of PayPal's chief competitors, payment firm Bill Me Later, and added it as an option on PayPal accounts.

There are more than 22,000 locations in the UK and Ireland for customers to pay their bills, top up their mobile phones, or even submit court fines or donate to charity through PayPoint. The company also has operations in Romania. The payment collection company earns most of its business by providing payment processing services for energy, cable, and telephone companies. With the help of its payment station network located in convenience stores, supermarkets, and other retailers, PayPoint processes an average of 10 million transaction payments each week. Subsidiary SECPay processes card payments for online merchants. As part of the UK's LINK Network, PayPoint also offers ATM services.

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