W2C2P is a Singapore-headquartered global payments platform that works with global financial institutions, tech giants, retail enterprises, e-commerce and m-commerce merchants. It operates across Southeast Asia and Europe, including in Cambodia, Hong Kong, Indonesia, Laos, Malaysia, Myanmar, Philippines, Singapore and Thailand.
WAirtel Payments Bank is a public limited company with its headquarters in New Delhi, India. The company is a subsidiary of Bharti Airtel. It is the first company in India to receive a payments bank license from the Reserve Bank of India and it became the first live payments bank in the country. On April 11, 2016 the Reserve Bank of India issued the license under Section 22 (1) of Banking Regulation Act, 1949 to Airtel Payments Bank. Airtel Payments Bank is a joint venture between Bharti Airtel Ltd. and Kotak Mahindra Bank Ltd.. Kotak Mahindra Bank holds 19.9% stake in the Airtel Payments Bank.
WApple Pay is a mobile payment and digital wallet service by Apple Inc. that allows users to make payments in person, in iOS apps, and on the web using Safari. It is supported on the iPhone, Apple Watch, iPad, and Mac. It digitizes and can replace a credit or debit card chip and PIN transaction at a contactless-capable point-of-sale terminal. It does not require Apple Pay-specific contactless payment terminals; it works with any merchant that accepts contactless payments. It adds two-factor authentication via Touch ID, Face ID, PIN, or passcode. Devices wirelessly communicate with point of sale systems using near field communication (NFC), with an embedded secure element (eSE) to securely store payment data and perform cryptographic functions, and Apple's Touch ID and Face ID for biometric authentication.
WBancomat is an interbank network for cash withdrawals widely used in Italy. It was first introduced in 1983 for use with automated teller machines.
WBlik is a mobile payment system created in February 2015 by the Polski Standard Płatności, an alliance of six Polish banks. It had 7 million users and 424 million transactions in 2020. Blik is a member of the European Mobile Payment Systems Association.
WBoku, 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. This form of mobile payment, also referred to as carrier billing, allows unbanked consumers who may have a mobile phone, but no credit card or traditional bank account, to make purchases online, as well as banked customers who simply find carrier billing a simpler way to transact. The majority of transactions processed through Boku carrier billing are for digital and virtual goods and services, including music streaming, online video, digital subscription services, mobile device app stores, social and free-to-play games, virtual goods, social networks and other online experiences. Boku focuses on making the mobile phone number a viable payment option not only for virtual goods, but for digital goods and physical goods.
WCarta Worldwide is a Canadian financial technology company that offers digital payments technology and modern card issuer processing for banks and financial technology "fintech" companies. In addition to their Canadian headquarters in Toronto, Carta has offices in London and Casablanca. Carta operates internationally, providing financial technology and digital payment software and cloud API issuer processing.
WCash App is a mobile payment service developed by Square, Inc., allowing users to transfer money to one another using a mobile phone app. The service is available in the US and the UK. As of February 18, 2018, the service recorded 7 million active users.
WContactless payment systems are credit cards and debit cards, key fobs, smart cards, or other devices, including smartphones and other mobile devices, that use radio-frequency identification (RFID) or near field communication for making secure payments. The embedded integrated circuit chip and antenna enable consumers to wave their card, fob, or handheld device over a reader at the point of sale terminal. Contactless payments are made in close physical proximity, unlike other types of mobile payments which use broad-area cellular or WiFi networks and do not involve close physical proximity.
WDinarak is a mobile wallet, money transfer, electronic bill payment, funds disbursement service, licensed by the Central Bank of Jordan under the JoMoPay national switch and launched in late 2015 as Dinarak wallet as part of the Jordanian central bank's efforts to advocate financial inclusion for the un-banked segment of the Jordanian population. Dinarak allows users to deposit, withdraw, transfer money and pay for goods and services via their mobile phone. The service can be accessed by Dinarak mobile application.
WDirect carrier billing (DCB) is an online mobile payment method which allows users to make purchases by charging payments to their mobile phone carrier bill. The global direct carrier billing market was valued at US$ 29.8 billion in 2019. In July 2020, Juniper Research estimated that in 2019 end users around the world spent approximately US$ 33 billion via carrier billing.
WThe European Payments Council Quick Response Code guidelines define the content of a QR code that can be used to initiate SEPA credit transfer (SCT). It contains all the necessary information in clear text. These QR code guidelines are used on many invoices and payment requests in the countries that support it enabling tens of millions to pay without requiring manual input leading to lower error rates.
WeServGlobal develops mobile software to support mobile financial services, with a focus on emerging markets. It also has a 35.7% share in the HomeSend cross-border payments hub, alongside Mastercard.
WThe European Mobile Payment Systems Association (EMPSA) is an association that aims to foster collaboration and to enable the use of different mobile payments systems internationally. EMPSA is headquartered in Zurich, Switzerland and chaired by Søren Mose, the Chairman of the TWINT Board of Directors.
WFonix provides a mobile payments and mobile messaging platform and is based in London. Its services are used by the media, entertainment, telecoms, enterprise and commerce sectors and Fonix has connections to all of the UK mobile networks. When consumers make payments, they are charged to their mobile phone bill. This service can be used for ticketing, content, cash deposits and donations.
WFortumo is an Estonian company which develops a platform for digital service providers for user growth and monetization.
WGlobe Telecom, Inc., commonly shortened as Globe, is a major provider of telecommunications services in the Philippines. The company is the largest mobile network operator in the Philippines and one of the largest fixed line, and broadband networks. As of May 2020, Globe’s total mobile subscriber base reached 89.3 million.
WGoogle Pay is a digital wallet platform and online payment system developed by Google to power in-app, online, and in-person contactless purchases on mobile devices, enabling users to make payments with Android phones, tablets, or watches. Users in the United States and India can also use an iOS device, albeit with limited functionality. In addition to this, the service also supports passes such as coupons, boarding passes, student ID cards, event tickets, movie tickets, public transportation tickets, store cards, and loyalty cards.
WGoogle Pay Send, previously known as Google Wallet, was a peer-to-peer payments service developed by Google before its merger into Google Pay. It allowed people to send and receive money from a mobile device or desktop computer.
WInterac e-Transfer is a funds transfer service between personal and business accounts at participating Canadian banks and other financial institutions, offered through Interac Corporation.
WJazzCash, formerly known as MobiCash, is a Pakistani mobile wallet, mobile payments, and branchless banking services provider. It was launched in 2012 as MobiCash by Mobilink in partnership with their subsidiary bank Mobilink Microfinance Bank.
WLINE is a freeware app for instant communications on electronic devices such as smartphones, tablet computers, and personal computers. LINE users exchange texts, images, video and audio, and conduct free VoIP conversations and video conferences. In addition, LINE is a platform providing various services including digital wallet as LINE Pay, news stream as LINE Today, video on demand as LINE TV, and digital comic distribution as LINE Manga and LINE Webtoon. The service is operated by LINE Corporation, a Tokyo-based subsidiary of Softbank Group.
WMintChip is a digital currency that provides the underlying system to facilitate the exchange of value between consumers and merchants in real-time. It was designed to reduce the cost and risk of financial transactions. This technology was created by the Royal Canadian Mint, backed by the Government of Canada and denominated in a variety of fiat currencies. The Royal Canadian Mint announced the MintChip project in 2012 and simultaneously launched the MintChip Challenge contest to encourage development of interesting uses for the MintChip. In January 2016, Loyalty Pays Holdings corporation - a wholly owned subsidiary of nanoPay, a fully integrated loyalty and payments platform provider, announced the acquisition of all assets related to MintChip.
WSuica is a prepaid rechargeable contactless smart card, electronic money used as a fare card on train lines in Japan, launched on November 18, 2001. The card can be used interchangeably with JR West's ICOCA in the Kansai region and San'yō region in Okayama, Hiroshima, and Yamaguchi prefectures, and also with JR Central's TOICA starting from spring of 2008, JR Kyushu's SUGOCA, Nishitetsu's Nimoca, and Fukuoka City Subway's Hayakaken area in Fukuoka City and its suburb areas, starting from spring of 2010. The card is also increasingly being accepted as a form of electronic money for purchases at stores and kiosks, especially within train stations. As of 2018, JR East reports 69.4 million Suica UID's have been issued, usable at 476,300 point of sale locations, with 6.6 million daily transactions.
WMonzo Bank Ltd, is an online bank based in the United Kingdom. Monzo was one of the earliest of a number of new app-based challenger banks in the UK.
Wmopay is a mobile payment platform represented in the U.S. by mopay Inc. mopay and mopay Inc. are registered trademarks of MindMatics Group, a Germany-based mobile marketing company.
WN26 is a German neobank headquartered in Berlin, Germany. N26 currently operate in various member states of the Single Euro Payments Area (SEPA) and in the United States. It provides a free basic current account and a Debit card, with available overdraft and investment products and premium accounts for a monthly fee.
WRonald Oliveira is an American businessman, the CEO of Revolut the USA, and the former President of Avidbank.
WOsaifu-Keitai , literally "Wallet Mobile", is the de facto standard mobile payment system in Japan. Osaifu-Keitai services include electronic money, identity card, loyalty card, fare collection of public transits, or credit card. The term "Osaifu-Keitai" itself is a registered trademark of NTT Docomo.
WPayconiq International is a Luxembourg-based company developing a mobile payment and payment processing platform, active in Belgium, Luxembourg and the Netherlands. The company had the initial support of ING Bank, which was joined later by Belgian banks KBC Bank and Belfius, and launched its first minimum-viable product in Belgium, in 2015. What started as a mobile payment app is today a fully-fledged platform offering multi-country payment solutions in Benelux, through different types of integration: stand-alone apps, bank app integrations and more.
WPayPal Holdings, Inc. is an American company operating an online payments system in the majority of countries that support online money transfers, and serves as an electronic alternative to traditional paper methods like checks and money orders. The company operates as a payment processor for online vendors, auction sites, and many other commercial users. It charges a fee in exchange for benefits such as one-click transactions and password memory.
WPingit, formerly Barclays Pingit, is a system for the mobile transfer of money in the United Kingdom. It was launched by Barclays in February 2012 and was initially only available for use by Barclays current account holders, who were over the age of 18, for the sending and receiving of payments. This was later extended to all UK current account holders and the age limit was dropped to 16. The application used for Pingit is currently available on iOS and Android.
WPowa Technologies was a UK-based technology company, known for its commerce, mobile commerce and e-commerce services. The company’s flagship product was the mobile application PowaTag. In February 2016, investment company Wellington Management appointed professional services firm Deloitte as administrators of Powa Technologies.
WRGK Mobile is a global m-commerce service provider.
WShort Payment Descriptor is a compact data format for an easy exchange of a payment information using modern electronic channels, such as smart phones or NFC devices. Practically, the format is being deployed in the Czech Republic and the Slovak Republic, but format can be technically used with any bank using IBAN account numbers. That includes currently most of European countries, some in the Middle East and few other ones.
WSMS banking' is a form of mobile banking. It is a facility used by some banks or other financial institutions to send messages to customers' mobile phones using SMS messaging, or a service provided by them which enables customers to perform some financial transactions using SMS.
WSMSCOIN 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. The main goal of the project was, and still is to cover as many countries worldwide as possible.
WSwish is a mobile payment system in Sweden. The service was launched in 2012 by six large Swedish banks, in cooperation with Bankgirot and the Central Bank of Sweden. It had 6.5 million users as of September 2018. Swish is a member of the European Mobile Payment Systems Association.
WTappr is a financial technology company based in Brisbane, Australia that designs and develops payment, point of sale and business solutions suited to SME's. Brett Hales founded Tappr in 2012 and develops a smart card terminal, mPOS apps and other business tools suited to SME's. In 2014, Tappr developed its first working prototype of the Tappr Card Reader. Since then a number of prototypes have been conceptualised while the company built its apps and API. In June 2016, Tappr produced a new prototype of the Tappr Card Reader which had new components including a touch LCD and android os. The Tappr App which runs the Tappr Card Reader and connects via Bluetooth was launched in September 2015 and is currently in beta testing for selected Australian users.
WTez was a mobile payments service by Google, targeted at users in India, later folded into the new Google Pay app on August 28, 2018. It operated atop the Unified Payments Interface, developed by the National Payments Corporation of India. It can be used where UPI payments are accepted. Tez worked on the vast majority of India's smartphones with the Android app supporting English, Hindi, Tamil, Bengali, Gujarati, Kannada, Marathi, and Telugu. There were plans to release the app in other emerging countries including Vietnam, Indonesia, and Thailand. "Tez" is the Hindi word for "Fast". Within 37 days after being launched, Tez got about 8.5 million installations. Over 30 million transactions were made on the app as of October 27, 2017.
WTouch 'n Go eWallet is a Malaysian digital wallet and online payment platform, established in Kuala Lumpur, Malaysia, in July 2017 as a joint venture between Touch 'n Go and Ant Financial. It allows users to make payments at over 280,000 merchant touch points via QR code; pay for tolls, street parking, payment on e-hailing, car-sharing apps or taxis via RFID or PayDirect; pay bills; top-up mobile prepaid; pay for purchases on e-commerce websites or apps; order food delivery; perform peer-to-peer money transfers; renew car insurance and purchase unique insurance plans; and purchase movie, bus, trains, and airline tickets.
WUnified Payments Interface (UPI) is an instant real-time payment system developed by National Payments Corporation of India facilitating inter-bank transactions. The interface is regulated by the Reserve Bank of India 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 ₹4,161.762 billion (US$58 billion) UPI witnessed 2,210.23 crore transactions till November 2020. The mobile-only payment system helped transact a total of ₹17.29 lakh crore (US$240 billion) during the 37 months of operation starting from 2016.
WVipps is a Norwegian mobile payment application designed for smartphones developed by DNB. Vipps was released May 30, 2015 and, having reached 1 million users by November 5, 2015, Vipps became Norway's largest payment application. Although Vipps was developed by DNB, customers of any Norwegian bank can use it. Vipps is a member of the European Mobile Payment Systems Association.
WWizzit International is a provider of basic banking services for the unbanked and underbanked in South Africa. Its services are based on the use of mobile phones for accessing bank accounts and conducting transactions, in addition to a Maestro debit card that is issued to all customers upon registration. Wizzit is a branchless banking business, meaning that its services are designed so that customers can generally conduct transactions without the need to visit bank branches.
WZelle is a United States–based digital payments network owned by Early Warning Services, a private financial services company owned by the banks Bank of America, BB&T, Capital One, JPMorgan Chase, PNC Bank, U.S. Bank and Wells Fargo. The Zelle service enables individuals to electronically transfer money from their bank account to another registered user's bank account using a mobile device or the website of a participating banking institution.