Alliances

Bank Sponsorship

RBS Citizens N.A. of Citizens Financial Group, Inc.

We have chosen RBS Citizens N.A. of Citizens Financial Group, Inc as our sponsoring bank for offering card Association services. Citizens Financial Group, Inc. is a $153 billion commercial bank holding company. It is headquartered in Providence, R.I., and, through its subsidiaries, has more than 1,480 branches, approximately 3,600 ATMs and approximately 23,000 employees. Its two bank subsidiaries are RBS Citizens, N.A. and Citizens Bank of Pennsylvania. They operate a 12-state branch network under the Citizens Bank brand in Connecticut, Delaware, Massachusetts, New Hampshire, New Jersey, New York, Pennsylvania, Rhode Island and Vermont, and the Charter One brand in Illinois, Michigan and Ohio. CFG has non-branch retail and commercial offices in about 40 states. CFG is owned by RBS (The Royal Bank of Scotland Group plc).

The RBS Citizens Bank Credo is consistent with the practices and beliefs of ePay Management L.L.C. They often refer to the trilogy of Customers, Colleagues and Community as the "Three Cs":

Customers: We will do whatever we can every day, in every way, to provide world-class service and consistently exceed customer expectations. We will always honor our commitment to customers and constantly give them reasons to say "I love dealing with these people." We will treat customers the way we would enjoy being treated all the time. We will know our customers and respond to them rapidly. We will anticipate their need and make it happen.

Colleagues: We want our company to be the best place to work in the world. The environment will be extraordinarily caring, like an extension of our own family. We will be supportive in times of personal difficulty, create opportunities for professional growth, and always make an effort to listen and act on our colleagues' ideas. We will foster a diverse team and treat every colleague with dignity and respect at all times.

Community: We believe great companies have a moral core. We care deeply about our communities, and we demonstrate this commitment every day by responding where there is need. We care about the world's limited resources and are committed to their responsible use. We will be ethical and honest at all times. By giving back and conducting ourselves with integrity, we can make our customers and colleagues proud of our company.

By fulfilling our Credo every day, we will serve our shareholders well and be one of the world's most admired companies.

Everyone at Citizens Bank is expected to live the Credo every day and let it guide their actions. We are expected to be honest and ethical in all that we do. And, we are expected to make a difference, to go beyond the obvious to deliver "Wow" customer service.

Processors

RBS Worldpay

RBS Worldpay has 400,000 customers that span the globe, from the international brands you know to a favorite shop around the corner. They process more payment types than any other card payment processor - up to 120 currencies in over 40 countries. This global experience is tempered by local expertise, including knowledge of language, regulations and customs.
170,000 employees in 50 countries with a common goal - Make it happen
Processing payments for more than 400,000 businesses worldwide
9.6 million transactions a day - 7,000 per minute

$880 million in processing volume per day - $600,000 per minute
$186 million in ecommerce transactions per day
Support for up to 120 currencies in over 40 countries
1,600+ Citizens and Charter One bank branches provide full-service, hometown banking
More than 1,200 affiliate partners worldwide
Card Awards 2008 Winner of the Best Technology Initiative of the Year
Visa® 2007 Service Quality Performance Award for having the lowest chargeback-to-sales ratio
MasterCard® 2007 Global Quality Award for excellence in operational achievement

TSYS (Total System Services, Inc.)

TSYS (Total System Services, Inc.) makes it possible for millions of people to make paperless payments safely and securely. Recognized as a market leader, they provide electronic payment services to financial institutions and companies around the globe. We work behind the scenes to offer unmatched flexibility, control and service quality to our customers through a broad range of innovative issuing and acquiring payment technologies, including consumer-finance, credit, debit, healthcare, loyalty, prepaid, chip and mobile payments.

TSYS global headquarters is located in Columbus, Georgia, with local offices spread across the Americas, EMEA and Asia-Pacific. TSYS serves more than 300 clients worldwide, including relationships with more than half of the top 20 global banks.

Payment Gateways

Apriva

Apriva was founded in 1999, Apriva is the leading wireless solutions provider integrating the hardware, software and network infrastructure required to develop and deploy high-performance high-reliability solutions in the Point of Sale (POS) and Secure Mobile Messaging markets. Apriva offers end-to-end solutions for Point of Sale that make it easy and cost-effective to develop, deploy and maintain highly secure and reliable business critical mobile applications.
Apriva provides an end-to-end wireless solution that enables merchants to process financial transactions from any location using major credit card processors. The product, which is compatible with industry-standard point of sale equipment, is powered by Apriva's Intelligent Gateway and delivers highly secure, efficient and reliable transaction processing. Apriva offers customers easy-to-use devices, industry standard payment processing functions, wireless wide area network access, web based reporting and centralized management tools.

Authorize.Net, A CyberSource Solution

They process more payment types than any other card payment processor - up to 120 currencies in over 40 countries. This global experience is tempered by local expertise, including knowledge of language, regulations and customs.

eProcessing Network

eProcessing Network, LLC (EPN) is a software development company specializing in Secure Real-Time Transaction Processing Services and Support. The EPN Payment Gateway processes merchants transactions using each merchants own credit card, ACH/check and/or shipping account.
EPN is a registered Visa USA Third Party Service Provider, and is compliant with the Payment Card Industry (PCI) Data Security Standard. Compliance with this program demonstrates EPN's commitment to protecting the confidentiality and integrity of cardholder data and personal data of customers that make purchases from merchants using the EPN's Payment Gateway.

Equipment Vendors

Verifone

Verifone is a leading global provider of technology that enables electronic payment trasnsactions and value added services at the point of sale. Since 1981, they have designed and marketed system solutions that facilitate the long-tem shift toward electronic payment transactions and away from cash and checks. Verifone was the first to provide a mass market available device for accepting payments and are one of the largest providers of electronic payment systems worldwide.

Hypercom

Hypercom is acknowledged as a leading supplier of point-of-sale equipment worldwide and has the largest installed base in the Asia/Pacific and Latin America regions. Hypercom is also the fastest-growing supplier in Europe. Global payment technology leader Hypercom Corporation delivers a full suite of high security, end-to-end electronic payment products and services. The Company's solutions address the high security electronic transaction needs of banks and other financial institutions, processors, large scale retailers, smaller merchants, quick service restaurants, and users in the transportation, petroleum, healthcare, prepaid, unattended and many other markets. Hypercom solutions enable businesses in more than 100 countries to securely expand their revenues and profits. Hypercom is a founding member of the Secure POS Vendor Alliance (SPVA) and is the second largest provider of electronic payment solutions and services in Western Europe and third largest provider globally.

MagTek

Since 1972, MagTek has been a leading manufacturer of electronic devices and systems for the reliable issuance, reading, transmission and security of cards, checks, PINs and other identification documents. Leading with innovation and engineering excellence, MagTek is known for quality and dependability. Its products include secure card readers, check scanners, PIN pads and distributed credential issuing systems. These products are used worldwide by financial institutions, retailers, hotels, law enforcement agencies and other organizations to provide secure and efficient electronic payment and identification transactions.