Financial Services

365 Retail Markets is a global leader in unattended retail technology, providing payment processing, software, and self-checkout kiosks for workplace micro markets, vending, and foodservice locations. A “365 PARLEVEL” charge typically relates to a purchase or wallet reload at a self-service snack or food market that uses the 365/Parlevel platform.

Accurium Pty Ltd is an Australian financial services firm specialising in actuarial certificates, education, and consulting for self-managed superannuation funds (SMSFs), accountants, and financial advisers.

Afterpay is a financial technology company offering buy now, pay later installment payment services for online and in-store purchases.

Alexander & Co is a UK-based firm of chartered accountants and tax advisers providing accountancy, tax, audit and business advisory services to businesses and individuals.

American Express is a global financial services company best known for its charge cards, credit cards, and travel-related services, including foreign exchange and travel booking support.

American Express AccessLine is a business-to-business payment service from American Express that allows companies to pay suppliers, including those that don’t accept American Express cards, using their Amex account.

Angel Publishing is an investment research publisher that sells newsletters, trading services, and market analysis focused on stocks, commodities, energy, technology, and other sectors.

Ashbrooke Investments appears to be a small Australian proprietary investment and trustee company (Ashbrooke Investments Pty Ltd acting as trustee for the Ashbrooke Investments Trust), likely engaged in managing investment or lending-related activities rather than operating a public-facing consumer brand.

Attvest Finance is an Australian financial services company that provides insurance premium funding and related payment, cashflow and accounts receivable solutions to insurance brokers and their clients.

Automotive Financial Services is an Australian non‑bank lender that provides vehicle and leisure-asset finance, as well as commercial loans for SMEs, under the AFS brand.

BILL is a financial technology company that provides cloud-based software for automating accounts payable, accounts receivable, and spend management for businesses.

Barclaycard is the credit card and payments brand of Barclays, offering consumer and business credit cards, merchant acquiring, and payment processing services.

Betterment is a U.S.-based digital investment and cash management platform offering automated investing, IRAs, taxable brokerage accounts, and cash accounts. The “Betterment Sec” descriptor typically refers to Betterment Securities, the brokerage arm that executes and safekeeps investments.

BizCover is an insurtech company that operates an online platform allowing small businesses to compare and purchase commercial insurance policies from multiple insurers quickly and easily.

Blackhawk Network is a global prepaid payments and gift card provider that supplies and processes branded gift cards, incentive cards, and related payment solutions for retailers and businesses.

Brigit is a financial services app that provides budgeting tools, cash advances, and credit-building features through a monthly membership.

CCBill is an online payment processor that provides billing and subscription management services for thousands of websites, including many adult, dating, and digital content platforms.

CRED is an Indian fintech platform and app that lets users pay credit card bills, make UPI payments, buy gift cards, and access lending and rewards products.

CVVHelp.net is a customer support and billing helpdesk that manages subscription and membership charges on behalf of various online entertainment websites.

CabFare is a payment platform and Tap to Pay mobile app that enables taxi, rideshare, limousine and other professional drivers and fleets to accept fast, secure, contactless card and digital-wallet payments, with real-time reporting and compliant digital receipts.

Cabvision is a UK-based credit card payment provider that supplies and operates electronic payment systems and taxi meters for licensed taxis, primarily in London, including its CabPay in-taxi card payment solution.

Cactus Investments is an Australian proprietary company (Cactus Investments Pty Ltd) registered as a proprietary superannuation trustee company, indicating it is involved in managing or holding assets for superannuation or investment purposes rather than operating as a retail-facing business.

Cantaloupe is a digital payments and software company that provides cashless payment systems, telemetry, and self-service retail technology for vending machines, micro markets, smart stores, and amusement devices. The Brisbane entity "Cantaloupe Systems Australia Pty Ltd" operates as its Australian arm, supporting local operators and payment processing.

Capital One is a major U.S. bank that offers credit cards, checking and savings accounts, auto loans, and other financial services. A “COF Merchnt Bil Plano TX” descriptor typically refers to Capital One credit card merchant billing or account-related activity processed through its Plano, Texas operations center.

"MISSED PAYMENT FEE" is not a separate merchant but a penalty fee charged directly by your card issuer or bank when a required payment was not received by the due date.

Cash App is a peer-to-peer payment and financial services platform that allows users to send and receive money, use a Cash Card, and access additional banking-like features.

This is not a merchant but an ACH transaction type called CCD (Cash Concentration or Disbursement), typically used for business-to-business electronic payments and transfers.

This descriptor typically indicates a generic cash withdrawal or teller/ATM transaction processed by your bank, not a purchase from a specific merchant.

Centennial Asset Management is an independent Australian asset management firm that manages the Level 18 Fund, focusing primarily on small and mid‑cap Australian equities using a fundamental, research‑driven investment approach.

Centrohelp appears to be an online payment and subscription support service that processes or manages recurring card payments for third-party digital services. Numerous consumer reports, however, describe unauthorized or confusing recurring card charges linked to this company.

Chaturbill is a discreet online billing and customer support service that provides credit card and check processing—primarily for adult live chat and dating platforms such as Chaturbate.

Circum Amusements is a trading name of Circumtec Pty Ltd, an Australian company that provides cashless payment processing for unattended amusement machines and other self-service equipment.

Circumtec is an Australian payment technology company that provides cashless payment processing for unattended equipment such as self-service car washes, laundromats, vending machines, dog washes, and amusement machines. Charges from car wash locations may appear on statements with descriptors like “Circum Wash Mentone” or similar variations.

Cleo is a financial app that offers budgeting tools, cash (salary) advances, and other money management features through its mobile platform.

Coff.ee is an online tipping and donation platform that lets fans financially support creators, streamers, and small projects through one‑off contributions or ongoing support. It operates using short coff.ee/username links widely used across social media and content platforms.

Coinbase is a major cryptocurrency exchange platform that allows individuals and businesses to buy, sell, store, and transfer digital assets like Bitcoin and Ethereum.

Comewel Limited is a UK-based payment processor and billing support provider that handles online payments and subscriptions for digital services, including the CooMeet video chat platform.

Commercial Credit and Finance PLC is a licensed Sri Lankan finance company offering fixed deposits, vehicle leasing, microfinance, gold loans, business loans, and other credit products to individuals and businesses.

Commonwealth Bank is a major Australian banking and financial services provider offering personal, business, and institutional banking, as well as wealth management and insurance products.

Communication Federal Credit Union is a member-owned financial cooperative offering personal and business banking services, including checking and savings accounts, loans, and credit cards, primarily in Oklahoma and Kansas. As a credit union, it returns profits to members through better rates, lower fees, and enhanced services.

Community Finance, LLC is a U.S.-based lease-to-own financing company that provides installment payment plans for consumers purchasing products through partner retailers.

Corporate Spending Innovations (CSI) is a B2B payments and AP automation provider that helps companies replace checks with virtual cards, ACH, and other electronic payment methods. The company, now operating under the Edenred Pay brand and part of Edenred, focuses on automating and optimizing corporate spending.

This descriptor refers to interest charges applied by your credit card issuer on outstanding purchase balances, not to a separate merchant or store.

CreditorWatch is an Australian commercial credit reporting and risk management company that provides credit checks, monitoring, and debtor management tools for businesses.

CrispLoans.ca is a Canadian online brokerage service that arranges short‑term personal installment loans for consumers, typically between $500 and $1,000. It connects borrowers with third‑party lenders, offering fast approvals, no traditional credit checks, and funding usually within 24 hours.

Crown Capital Co., Ltd. is a Japan-based financial services firm that focuses on investment management and financial instruments, including real-asset and related investment products.

Crownbill appears to be an online payment and billing processor that charges credit and debit cards for digital subscriptions, reportedly often linked to adult-content websites such as Fap House, and has attracted numerous complaints alleging unauthorized or hard‑to‑cancel charges.

D24 (operated legally as Directa24 LLP) is a cross‑border payments provider that offers local payment methods and gateway services for online businesses worldwide.

DiCesare & Associates, Inc. is a Rochester, New York–based management and benefits consulting firm that processes ACH payments and premiums on behalf of employers and related benefits/HR service providers.

District Media, Inc. is an independent digital media company that operates a portfolio of personal finance websites, providing news, advice, and educational content to help individuals improve their financial lives.

ECHST.NET is an online payment and billing provider that processes subscription and one‑time charges for various online merchants, primarily for high‑definition digital content sites. It offers secure transaction processing and customer support for consumers who see ECHST.NET charges on their card statements.

EPX (Electronic Payment Exchange) is a payment processor that provides merchant acquiring, card transaction processing, and settlement services for businesses. The descriptor you see is typically related to batch or merchant settlement activity rather than a consumer-facing purchase.

EasyABNs is an Australian online service that helps individuals and businesses register Australian Business Numbers (ABNs), business names, and related registrations through a streamlined web platform operated by EasyCompanies Pty Ltd.

EasyCompanies was an Australian online platform that provided company, business name, and ABN registrations, along with related ASIC compliance services.

Eisner Advisory Group is a professional services firm under the EisnerAmper brand that provides tax, accounting, and business advisory services through regional entities such as EAG Chicago Northwest, LLC.

Elan Financial Services is a U.S. Bank subsidiary that issues and services credit cards on behalf of many banks, credit unions, and co‑branded partners. The descriptor "CARDMEMBER SERV WEB PYMT" typically indicates an online payment made to a credit card account serviced by Elan/U.S. Bank, not a retail purchase.

Electronic Payment Exchange (EPX) is a payment processor and merchant acquirer that provides secure, end‑to‑end credit card, debit card, and ACH processing for businesses and financial institutions.

Epoch is an online payment processing company that provides merchant billing services, particularly for digital content and subscription-based websites.

Epoch.com is an online payment processor that handles billing and subscription payments for various websites, particularly digital content and membership services.

Equifax is a global data, analytics, and credit reporting company that provides consumer and commercial credit information, identity and fraud solutions, and risk management tools; its Australian arm (formerly Veda) offers the SwiftCheck business credit report service referenced in this descriptor.

Ezidebit is an Australian payment solutions provider offering direct debit, BPAY, EFTPOS, online and real-time card payment services to help businesses automate and manage recurring and one‑off payments.

FastSpring is an e-commerce and payment platform that provides subscription billing, payment processing, and global taxes/compliance services for software and digital product companies.

The Finance Brokers Association of Australasia (FBAA) is a national industry association that represents, educates, and advocates for finance and mortgage brokers across Australia, providing professional development, resources, and regulatory representation for its members.

FirstBank is a regional U.S. bank headquartered in Lakewood, Colorado, offering personal and business banking, loans, and digital banking services across Colorado and Arizona.

“A *FCCR” on a card statement most likely refers to a foreign currency conversion or cross‑border transaction fee applied by your card issuer or payment network, not a standalone merchant.

GM Taxi Pay is an Australian taxi payment and booking solution that provides mobile EFTPOS terminals and a management platform for taxi drivers and fleets nationwide.

Gift Card Store is an Australian provider of prepaid Mastercard and Visa gift cards, offering physical and digital cards for personal and corporate gifting that can be used online and in-store wherever the networks are accepted. It operates as a leading prepaid gift card brand under payments company Zenith Payments.

Google Wallet is a digital wallet service from Google that stores payment cards, passes, and transit tickets and enables contactless and online payments. The descriptor with "TEMP" typically indicates a temporary authorization or verification charge related to the wallet service.

Grant Money, LLC (doing business as Grant) is a financial technology company that provides earned wage access and short‑term cash advance services to consumers through its Grant Cash Advance app.

Guideline is a retirement services company that provides low-cost, technology-driven 401(k) and IRA plans for small and midsize businesses and their employees.

JIM is a financial technology company and payment processor that lets small businesses accept contactless card and digital wallet payments directly on an iPhone, with instant access to funds and no extra hardware.

JIM.com is a financial technology service from CloudWalk Inc. that lets small businesses accept contactless card and digital wallet payments directly on an iPhone and receive funds instantly.

JPMorgan Chase & Co. is a major U.S. financial institution that issues credit and debit cards and assesses various account and card-related fees. A statement line including “JPMC FEE” typically refers to a bank or card-processing fee charged by Chase, not a retail purchase at a store.

Jingfengshou Network Technology Limited is a Hong Kong‑registered network technology and payment services company that appears to process online card payments for various e‑commerce sites. Recent consumer reports link its billing descriptors (e.g., “YSE*VY JingFengShou Co”) to questionable or scam online stores.

Klover is a Chicago-based financial technology company that offers a mobile app for cash advances, budgeting tools, and other personal finance services.

La Trobe Financial is an Australian non-bank lender and credit asset manager offering home loans, investment products, and asset management services.

Launch Gift Cards is a technology and payments provider for the closed‑loop gift card industry, powering branded B2C and B2B e‑commerce programs (including bulk Uber and DoorDash gift cards) across multiple countries and currencies.

Lightyear is a European investing platform that lets individuals and businesses invest in thousands of global stocks, ETFs, bonds and money market funds, and earn interest on uninvested cash via its web and mobile apps.

Live Payments is an Australian payment service provider offering EFTPOS terminals, online and virtual payment gateways, and other merchant services to small and medium businesses, including taxi, hospitality, and retail sectors across Australia.

Live taxi is an Australian taxi payments provider that supplies EFTPOS terminals and payment processing services for taxi drivers and fleets, handling card and digital payments for taxi fares.

LoanMart is a U.S.-based lender that specializes in auto title loans and related secured lending products for consumers who need fast access to cash.

MFCBill.com is a payment processing service that performs secure credit card transaction services and billing support for partner websites, notably including MyFreeCams token purchases.

MG Labs Limited is a Hong Kong–incorporated company that operates MoneyPilot, a subscription-based service that helps consumers discover and track class action settlement opportunities, forgotten subscriptions, and other potential refunds. Charges from MG Labs Limited typically relate to MoneyPilot subscription plans or related add‑on services.

MV Billing is a payment solutions provider that offers secure online billing, subscription management, and customer support services for digital content and other online merchants worldwide.

Mageton Investment Pty Ltd is an Australian proprietary limited company classified in holding and other investment activities, likely operating as a small private investment or holding vehicle rather than a consumer‑facing brand.

Marketplace Merchant Solutions Limited is the Ireland‑based Clover entity within the Fiserv group that provides point‑of‑sale (POS) terminals, card processing, and Clover App Market services to merchants across the UK and EU.

Masary is an Egyptian electronic payments company that provides smart payment services, bill payments, and collections through a large network of POS terminals, web, and mobile channels.

Mastercard is a global payment technology company that operates one of the world’s largest electronic payment networks, enabling card-based and digital transactions between consumers, merchants, financial institutions, and governments.

Medeor is a healthcare-focused payment solutions provider that offers integrated EFTPOS and payment processing systems for medical practices, pharmacies, and other healthcare providers across Australia and New Zealand.

Meta Pay is Meta’s digital payments service that lets people shop, send and receive money, and donate across Facebook, Instagram, WhatsApp, Messenger, and supported websites using stored payment methods.

MoneyPlus appears to be a payment or card-processing network identifier that shows up on transactions at fuel, convenience store, or car-wash locations, rather than the actual store brand itself.

Mooney is an Italian fintech company that provides proximity banking, bill payment, prepaid cards, mobile top‑ups, and mobility services through its apps and a large network of retail points across Italy.

Mosley, Pfundt, Glick & O'Brien, Inc. is a certified public accounting and consulting firm based in Maumee, Ohio, providing tax preparation, accounting, and business advisory services to individuals and small to mid‑sized businesses.

Municipal Collections of America, Inc. (MCOA) is a licensed debt collection agency that specializes in recovering unpaid municipal fines and fees, such as parking tickets, traffic camera violations, and other local government debts.

Likely a small Australian proprietary company used as an investment or property-holding vehicle, with transactions processed under its trading name in Booval, Queensland.

Newscore Media LLC is a data supply and enhancement company that provides large-scale consumer datasets and profiling services for marketing, CRM, MSP, brokerage, and debt-collection clients.

NinjaTrader Clearing is the brokerage and clearing arm associated with the NinjaTrader trading platform, providing futures trading accounts and trade clearing services for individual traders.

North American Banking Company is a locally owned community bank serving individuals and businesses in Minnesota with checking, savings, lending, and treasury services.

ONVO Pay is a Costa Rica–based online payments platform that enables businesses to accept cards and local payment methods through a single, cloud-based solution.

OneMain Financial is a consumer finance company that provides personal installment loans and related credit products to individuals.

OppFi is a tech‑enabled consumer finance company that partners with banks to provide personal installment loans and related credit products to underserved borrowers in the United States.

PT Finnet Indonesia is an Indonesian financial technology company providing electronic payment, billing, and switching services for banks, billers, and digital financial platforms.

Paddle is a payments and billing platform that provides subscription management, tax compliance, and ecommerce infrastructure for software companies selling globally. It often appears on card statements as the merchant of record for software and digital product purchases.

Pay4nest is an online payment support portal operated by Love Horizons Inc. that helps cardholders look up and resolve questions about card payments processed through its system.

PayPal is a global online payments company that enables individuals and businesses to send, receive, and process electronic payments and money transfers.

PayPro Global Inc. is a payment processing and e-commerce platform that handles online sales, subscriptions, and billing on behalf of software companies and digital product vendors.

Paymentico is a Cyprus‑based high‑risk payment processor and gateway, marketed as a Universal Payment Gateway (UPG) that processes credit and debit card payments, particularly for adult and other high‑risk online merchants.

Pinnacle Bank is a Nebraska‑based community bank offering personal and business banking services, including checking and savings accounts, loans, credit cards, and online banking under the PinnBank brand.

Probiller is an online payment processing and subscription billing service used primarily for digital content and membership-based websites, including adult entertainment platforms.

Ramp is a corporate spend management platform that issues business charge cards and provides software for expense management, bill payments, and automated receipt collection.

Rent Before Owning is a subscription-based online service that provides access to listings and information related to rent-to-own, owner-financed, and other alternative homeownership properties in the United States.

Rothsay Chartered Accountants is a boutique chartered accounting firm providing accounting, tax compliance and advisory, and audit and assurance services to small and medium-sized businesses and other clients in Australia.

Service Payment Plan, Inc. is a Chicago-based financial services company that provides 0% interest payment plans for vehicle service contracts and related automotive protection products sold through dealerships and administrators across the U.S. and Canada.

Shop Pay is Shopify’s accelerated checkout and payment service that allows customers to securely store payment and shipping details and use features like installment payments across participating online stores.

Silicon Prairie Online is a Regulation Crowdfunding funding portal that allows individuals to invest in private companies through online offerings operated by Silicon Prairie Portal & Exchange, a subsidiary of Silicon Prairie Holdings, Inc.

Skyphan is an Australian financial services and business administration firm that provides bookkeeping, payroll, cash-flow management, and management reporting services to small and medium-sized businesses.

Skyphanpaygroup Pty Ltd is an Australian private company trading under the business name SKYPHANPAY, likely involved in processing or facilitating card payments for other businesses. It appears on card statements when it acts as the intermediary for a transaction.

SmartCab is an Australian payments provider that supplies compact, mobile EFTPOS terminals tailored for taxi, cab and limousine drivers across Australia.

Smartfin Cobranças Ltda. is a Brazilian collections and billing services company that manages credit card and boleto charges, often on behalf of fitness chains such as Smart Fit. They specialize in debt collection, billing, and credit information services.

Spotto is an Australian payment service for taxi drivers offering in‑car EFTPOS terminals, real-time fare settlement and a companion app and debit card to manage and access trip earnings.

Spriggy is an Australian fintech company that offers a prepaid Visa/Mastercard card and mobile app to help families manage kids’ pocket money and teach financial literacy.

Square is a financial technology company that provides payment processing, point-of-sale systems, and related financial services for businesses.

State Collection Service, Inc. (SCSI) is a healthcare-focused debt collection and receivables management agency that works with hospitals and medical providers to recover patient account balances.

Stripe is a global financial technology company that provides payment processing, billing, and related financial infrastructure for online and in‑person businesses.

Swapped.com is a crypto on- and off-ramp platform operated by Swapped ApS that lets users buy and sell cryptocurrency using local payment methods, including bank cards.

Swyft Filings is an online business formation and compliance service that helps entrepreneurs quickly set up and maintain LLCs, corporations, nonprofits, and other entities across all U.S. states.

TME Monitoring Services appears to be a third‑party billing descriptor associated with subscription or membership monitoring fees, likely for financial, credit, or identity-related services.

Taxi Transact Services is an Australian payment services provider that offers mobile EFTPOS, credit card authorizations, account processing, cash withdrawals and related transaction services tailored for taxi and limousine drivers and fleets.

Taxi1 is an Australian taxi payment and EFTPOS provider offering payment terminals and processing services tailored to taxi drivers and operators.

TaxiPay Australia is a taxi payment and booking solution that provides mobile EFTPOS terminals and payment processing services for taxi drivers and fleets across Australia. It enables secure card and digital payments, fare processing, and job management directly from in‑vehicle terminals and apps.

Tilled is a fintech company that provides PayFac-as-a-Service, enabling software platforms and marketplaces to embed and monetize payment processing without becoming full payment facilitators themselves.

Tilt is a U.S.-based financial technology company that offers cash advances, credit cards, and lines of credit using real-time income and spending data instead of traditional credit scores. It operates via the Tilt app and tilt.com, primarily serving consumers who are underserved by conventional lenders.

Tilt Finance, Inc. is a U.S.-based financial technology company that provides cash advances, credit cards, and lines of credit using real-time income and spending data instead of traditional credit scores.

Tithe.ly is a church-focused digital giving and church management platform that processes online donations, tithes, and other payments for faith-based organizations.

TravelPay is an Australian payment platform that allows customers to pay for travel bookings in instalments or via various payment methods, primarily serving travel agents and their clients.

Trinity Financial Solutions (TFS) is a digital accounting and tax advisory firm based in Century City, Cape Town, providing bookkeeping, accounting, assurance, and taxation services to individuals and businesses.

UBT (Universal Business Team) is an Australian-based business consultancy that provides management advisory, training, accounting support, group buying services, and related financial products such as store and debit card programs for member businesses.

This is not a specific merchant but a generic bank statement label indicating a recurring debit card transaction, such as a subscription, membership, or other automatic payment set up on your card.

Up 'n go is a payment technology company that lets restaurant guests pay their check at the table using QR codes or texted links. It processes secure mobile payments on behalf of participating restaurants.

Venet appears to be an online payment and subscription management service that processes recurring charges and payments on behalf of various digital services and apps.

Venmo is a peer-to-peer mobile payment service that allows users to send and receive money, make purchases, and pay businesses using a smartphone app or the web.

VerifyVend is a U.S.-based payment platform that provides closed-loop prepaid cards and secure payment processing for self-service kiosks and unattended retail, especially in regulated and age-restricted industries.

This descriptor refers to Visa’s provisioning service, which is used to securely add or update your Visa card details in a digital wallet or tokenized payment system (e.g., Apple Pay, Google Pay), rather than a traditional merchant purchase.

Visa Merchant Profile Service (MPS-ID) is an internal Visa identifier used by acquirers and issuers to uniquely identify merchant locations in transaction and reporting systems, not a consumer-facing merchant or store.

Walco Funding is a specialty finance company that provides payment plan solutions for vehicle and home service contracts, allowing consumers to pay for service plans over time. It works with marketers, dealers, and administrators who sell extended warranties and home service contracts in the United States.

Wallyt is a Hong Kong–based fintech company that provides white‑label digital payment, acquiring, and open banking solutions to banks, financial institutions, and merchants worldwide.

Web Active Corporation Pty Ltd, trading as eWAY, is an Australian payment gateway and omnichannel payment provider that processes online and in‑person credit card transactions for businesses.

Wells Fargo is a large U.S.-based financial services company offering consumer and business banking, credit cards, loans, and other financial products.

Wells Fargo Merchant Services is the card-processing and payment solutions division of Wells Fargo, providing businesses with credit/debit card acceptance, terminals, and settlement services. The “IPSMXASETL” text typically refers to an internal merchant-services settlement code, not a specific retail merchant.

Westpac Banking Corporation is one of Australia’s largest banks, offering personal, business, and institutional banking services including transaction accounts like Westpac Choice.

Wise is a global financial technology company that provides low-cost international money transfers, multi-currency accounts, and associated banking services.

Wolfe, LLC is a Pittsburgh-based financial technology and e‑commerce company specializing in gift cards, rewards, and digital gifting platforms.

World Financial Group is a financial services marketing and multi-level distribution company that offers life insurance, retirement, and investment-related products through a network of independent associates.

Zbooni is a social commerce and payment platform that helps merchants in the Middle East sell via messaging apps, online links, and simple storefronts, and process customer payments securely.

Zelle is a U.S.-based digital payments network that enables person-to-person (P2P) money transfers directly between bank accounts.

Zeller is an Australian financial services and digital payments company that provides EFTPOS terminals, business transaction accounts, and payment tools for merchants.

Zip is a buy now, pay later and digital credit provider offering products such as Zip Pay, Zip Plus, and Zip Money for in‑store and online purchases.

atmx is a large Australian ATM network operated by Armaguard, providing cash withdrawals, deposits and balance enquiries through thousands of machines nationwide. Many Australian banks partner with atmx to offer their customers fee‑free access to cash.

iPay Technologies is an online bill payment provider, owned by Jack Henry & Associates, that powers electronic bill pay services for many U.S. banks and credit unions.