W1LINK (Guarantee) Limited is a consortium of major banks that own and operate the largest representative interbank network in Pakistan and is incorporated under the Company Law, Section 42 by Security and Exchange Commission of Pakistan (SECP). 1LINK is converted to Private Limited Company under section 49 of Companies Act 2017 on July 5, 2018.
WAccel is a North American interbank network owned by Fiserv. It connects over 412,000 automatic teller machines (ATMs) in all 50 states in the United States. The network also has a small number of ATMs in certain U.S. Air Force Bases around the world, and over 3.3 million electronic funds transfer at point-of-sale locations.
WAllpoint is an interbank network connecting automated teller machines (ATMs). It offers surcharge-free transactions at ATMs in its network. It operates in the United States, Canada, Mexico, United Kingdom, and Australia. Allpoint is owned by Cardtronics and is headquartered in Houston, Texas.
WALTO is an interbank network in Indonesia. It was founded in August 1993.
WThe ATH Network is an interbank network connecting the ATMs of various financial institutions in Puerto Rico and the Caribbean. ATH also serves as a debit card network for ATH-linked ATM cards. ATH currently has an agreement with the NYCE network to accept NYCE cards in Puerto Rico's ATH network and for Puerto Rico-based ATH cards to be accepted anywhere NYCE is accepted.
WATM Bersama is one of the interbank networks in Indonesia, connecting the ATM networks of twenty-one banks in Indonesia. It was established 1993 and is based on the model adopted by MegaLink, an interbank network in the Philippines.
Watm⁵ is an interbank network in Singapore, connecting the ATMs of six of Singapore's eight qualifying full banks, QFB. As of 2016, there are 230+ atm⁵ ATMs island-wide. The network was established in April 2005.
WBancomat is an interbank network for cash withdrawals widely used in Italy. It was first introduced in 1983 for use with automated teller machines.
WThe Benefit Company (TBC) is the local switch in the Kingdom of Bahrain handling ATM and POS transactions among other services. Established in 1997 with a special license from the Central Bank of Bahrain as "Provider of Ancillary Services to the Financial Sector", it is the only financial network of its kind in the country.
WCash Group is a cooperation of the four largest German private banks and their subsidiaries, in which they mutually waive ATM usage fees for their customers. It is not an interbank network but uses the pre-existing girocard network. With more than 7000 ATMs, the cooperating banks' ATM networks form the third largest ATM network in Germany.
WCashPool is a cooperation of a multitude of smaller or virtual German private banks, in which they mutually waive ATM usage fees for their customers. It is not an interbank network but uses the pre-existing German ATM or Maestro/Cirrus networks. With more than 3200 ATMs, the cooperating banks' ATM networks form the smallest ATM group in Germany.
WMastercard Cirrus is a worldwide interbank network that provides cash to Mastercard cardholders. As a subsidiary of Mastercard Inc., connects all Mastercard credit, debit and prepaid cards, as well as ATM cards issued by various banks worldwide bearing the Mastercard / Maestro logo.
WElectronic funds transfer at point of sale is an electronic payment system involving electronic funds transfers based on the use of payment cards, such as debit or credit cards, at payment terminals located at points of sale. EFTPOS technology was developed during the 1980s. In Australia and New Zealand, it is also the brand name of a specific system used for such payments; these systems are mainly country-specific and do not interconnect. In Singapore, it is known as NETS.
WThe European Payments Initiative (EPI), previously known as the Pan-European Payments System Initiative (PEPSI), is a European Central Bank-backed payment-integration initiative aiming to create a pan-European payment system and interbank network to rival Mastercard and Visa, and eventually replace national European payment schemes such as France's Carte Bancaire and Germany's Girocard.
WFedwire is a real-time gross settlement funds transfer system operated by the United States Federal Reserve Banks that allows financial institutions to electronically transfer funds between its more than 9,289 participants. Transfers can only be initiated by the sending bank once they receive the proper wiring instructions for the receiving bank. These instructions include: the receiving bank's routing number, account number, name and dollar amount being transferred. This information is submitted to the Federal Reserve via the Fedwire system. Once the instructions are received and processed, the Fed will debit the funds from the sending bank's reserve account and credit the receiving bank's account. Wire transfers sent via Fedwire are completed the same business day, with many being completed instantly.
WGroupement des cartes bancaires CB, also known as simply CB, is France's national interbank network, with over 46,000 ATMs and over 1 million EFTPOS acceptance points.
WInterac is a Canadian interbank network that links financial institutions and other enterprises for the purpose of exchanging electronic financial transactions. Interac serves as the Canadian debit card system and the predominant funds transfer network via its e-Transfer service. There are over 59,000 automated teller machines that can be accessed through the Interac network in Canada, and over 450,000 merchant locations accepting Interac debit payments.
WJPMorgan Chase & Co. is an American multinational investment bank and financial services holding company headquartered in New York City. JPMorgan Chase is incorporated in Delaware. As of June 30, 2021, JPMorgan Chase is the largest bank in the United States, the world's largest bank by market capitalization, and the fifth-largest worldwide in terms of total assets, controlling US$3.684 trillion.
WKorea Financial Telecommunications and Clearings Institute is a non-profit organization which manages several inter-bank payment systems in South Korea.
WLink is an interbank network in Indonesia. It connects four state owned banks and Telkomsel. The banks are Bank Mandiri, Bank Tabungan Negara, BNI 46, and Bank Rakyat Indonesia. This network is owned by State-owned Banks Association (HIMBARA). This network provides cash withdrawal and inquiry services in their network. On March 26th 2020, Linkaja partnered with Telcoin, an instant, low-cost blockchain powered remittance service. This partnership is set to explore cashless opportunities in LinkAjas area of operation.
WThe Malaysian Electronic Payment System (MEPS) is an interbank network service provider in Malaysia. In August 2017, MEPS merged with Malaysian Electronic Clearing Corporation Sdn Bhd (MyClear) to form Payments Network Malaysia Sdn Bhd (PayNet).
WMNET Services Private Limited was a Pakistani operator of inter-bank connectivity platform of MCB Bank Ltd for online financial transaction processing and offers a managed services portfolio that includes card personalisation & management, mobile payment services and ATM & POS controller hosting.
WMoneyPass is an interbank network owned by Brookfield, Wisconsin-based Fiserv, the third largest North American financial services company by revenue.
WMultibanco is a portuguese interbank network. Is the largest interbank network in Portugal owned and operated by SIBS, that links the ATMs of 27 banks in Portugal, totaling 12,700 machines as of December 2014. The bank members of Multibanco control the SIBS. Multibanco is a fully integrated interbank network. One of the most notable characteristics of Multibanco is the wide range of services that can be utilised through its machines.
WMulticaixa (MCX) is the one and only brand name for debit cards issued in Angola, and also the brand name for the one and only interbank network of automated teller machines and point of sales terminals for electronic payments. While the ATMs and the POS terminals are owned by the supporting bank, the network is operated by EMIS, and the Multicaixa cards of any bank are accepted at the same terms at any Multicaixa ATM or POS terminal. This is regulated by the national law on Angolan payment systems, the BNA directive No. 9/2011 of 13 October on the regulation of bank payment cards, and various other laws and directives regulating the Angolan financial system. The ATMs accept Multicaixa debit cards and Visa credit cards. EMIS prepares the acceptance of other international credit card brands like MasterCard.
WThe New York Currency Exchange (NYCE) is an interbank network connecting the ATMs of various financial institutions in the United States and Canada. NYCE also serves as an EFTPOS network for NYCE-linked ATM cards.
WOtto. is Finland's interbank network, connecting the ATMs of nearly every bank in the country. It is owned and operated by Automatia. They offer service in Finnish and Swedish, but also in English to holders of international ATM cards. The word "Otto" means "withdrawal" in Finnish, and is also a relatively common given name.
WVisa Plus is a worldwide interbank network that provides cash to Visa cardholders. As a subsidiary of Visa Inc., connects all Visa credit, debit and prepaid cards, as well as ATM cards issued by various banks worldwide bearing the Visa / Electron logo.
WPublix Super Markets, Inc., commonly known as Publix, is an employee-owned American supermarket chain headquartered in Lakeland, Florida. Founded in 1930 by George W. Jenkins, Publix is a private corporation that is wholly owned by present and past employees and members of the Jenkins family. Publix operates throughout the Southeastern United States, with locations in Florida (829), Georgia (194), Alabama (81), South Carolina (64), Tennessee (50), North Carolina (49), and Virginia (19).
WRia Money Transfer is a subsidiary of Euronet Worldwide, Inc., which specializes in money remittances. Ria initiates transfers through a network of agents and company-owned stores located throughout North America, Latin America, Europe, Asia-Pacific, Africa, and online. Ria is one of the big four remittance companies.
WSHAZAM is a United States-based interbank network and EFTPOS network headquartered in Johnston, Iowa that operates primarily in the Midwest of the US. The network was founded in 1976 and is a member-owned financial services and payments processing company.
WThe SUCRE was a regional currency proposed for commercial exchanges between members of the regional trade bloc Bolivarian Alliance for the Americas (ALBA), which was created as an alternative to the Free Trade Agreement of the Americas (FTAA). The SUCRE was intended to replace the US dollar as a medium of exchange in order to decrease US influence and control of Latin American economies and to increase stability of regional markets.
WUnified Payments Interface (UPI) is an instant real-time payment system developed by National Payments Corporation of India (NPCI) facilitating inter-bank peer-to-peer (P2P) and person-to-merchant (P2M) transactions. The interface is regulated by the Reserve Bank of India (RBI) and works by instantly transferring funds between two bank accounts on a mobile platform. As of December 2020, there are 207 banks available on UPI with a monthly volume of 2334.16 million transactions and a value of ₹4,162 billion (US$55 billion) UPI witnessed 22102.3 million transactions till November 2020. The mobile-only payment system helped transact a total of ₹17.29 lakh crore (US$230 billion) during the 37 months of operation starting from 2016. As of May 2021, the platform has 100 million monthly active users in India with plans to achieve 500 million by 2025. IIT Madras is also working to integrate voice command feature that can support English and Indian vernacular language in future.
WUnionPay, also known as China UnionPay or by its abbreviation, CUP or UPI internationally, is a Chinese financial services corporation headquartered in Shanghai, China. It provides bank card services and a major card scheme in mainland China. Founded on 26 March 2002, China UnionPay is an association for China's banking card industry, operating under the approval of the People's Bank of China. It is also an electronic funds transfer at point of sale (EFTPOS) network, and the only interbank network in China that links all the automatic teller machine (ATMs) of all banks throughout the country.
WYucho is an interbank network in Japan, owned and operated by the postal savings division of Japan Post Bank. It counts some 26,519 ATMs, of which 23,500 are at post offices and 2,869 are away from post offices. The number of ATMs correspond to about one for every post office in Japan, excluding a few post offices that are too small to support ATMs. It is one of the first interbank networks, having been set up in 1979.