A LEADER IN DRIVING CUSTOMER SUCCESS. For over 20 years, Network International has delivered innovative solutions that drive revenue and profitability for our customers. This philosophy has seen us grow to be the largest acquirer in the UAE and a leading payment solutions provider in the Middle East and Africa (MEA) region. NI provide a robust suite of payment products and services – that are on the cutting edge of technology development – to more than 65,000 merchant partners and 220 financial institutions across 50+ countries. Network is also the first independent vendor certified by both Visa and Mastercard for payments in the Middle East and a member of the JCB and UnionPay card schemes. Network owns and manages the Diners Club International franchise in the UAE, Egypt, Lebanon and Jordan and is a Payment Card Industry Data Security Standard (PCI DSS) certified company.
VISA is an American multinational financial services corporation headquartered in Foster City, California, United States. It facilitates electronic funds transfers throughout the world, most commonly through Visa-branded credit cards, gift cards, and debit cards. Visa does not issue cards, extend credit or set rates and fees for consumers; rather, Visa provides financial institutions with Visa-branded payment products that they then use to offer credit, debit, prepaid and cash-access programs to their customers. In 2015, the Nilson Report, a publication that tracks the credit card industry, found that Visa’s global network (known as VisaNet) processed 100 billion transactions during 2014 with a total volume of US$6.8 trillion. Visa has operations across all continents worldwide with the exception of Antarctica. Nearly all Visa transactions worldwide are processed through VisaNet at one of four secure facilities. The data centers are located in Ashburn, Virginia, Highlands Ranch, Colorado, London, and Singapore. The data centers are heavily secured against natural disasters, crime, and terrorism; can operate independently of each other and from external utilities if necessary; and can handle up to 30,000 simultaneous transactions and up to 100 billion computations every second. Every transaction is checked past 500 variables including 100 fraud-detection parameters—such as the location and spending habits of the customer and the merchant’s location – before being accepted. Visa is the world’s second-largest card payment organization (debit and credit cards combined), after being surpassed by China UnionPay in 2015, based on annual value of card payments transacted and number of issued cards. Because UnionPay’s size is based primarily on the size of its domestic market, Visa is dominant in the rest of the world outside of China, with 50% market share of global card payments minus China.
Mastercard offers a safe way to pay. We know safety and security are the top priorities of our customers, cardholders and partners, so we won’t stand still in developing new and better ways to keep payments safe. How we secure payments
UnionPay, 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 the only interbank network in China that links all the automatic teller machine (ATMs) of all banks throughout the country. It is also an electronic funds transfer at point of sale (EFTPOS) network.
It is the largest card payment organisation (debit and credit cards combined) in the world offering mobile and online payments based on total value of payment transactions, ahead of Visa and Mastercard.
The American Express Company, also known as Amex, is an American multinational financial services corporation headquartered in Three World Financial Center in New York City. The company was founded in 1850 and is one of the 30 components of the Dow Jones Industrial Average. The company is best known for its charge card, credit card, and traveler’s cheque businesses. In 2016, credit cards using the American Express network accounted for 22.9% of the total dollar volume of credit card transactions in the US. As of December 31, 2017, the company had 112.8 million cards in force, including 50 million cards in force in the United States, each with an average annual spending of $18,519. In 2017, Forbes named American Express as the 23rd most valuable brand in the world (and the highest within financial services), estimating the brand to be worth US$24.5 billion. In 2018, Fortune ranked American Express as the 14th most admired company worldwide, and the 23rd best company to work for.
Diners Club International is the third-largest payments network in the world, that opens doors to 70 million active Diners Club members worldwide, operates in over 185 countries, accepted by more than 30 million merchants worldwide and has access to more than 1,400 offers with partners in over 70 different countries. Diners Club card is a CREDIT CARD PAYMENT FACILITY THAT PROVIDES ACCESS TO TRAVEL, LIFESTYLE AND ENTERTAINMENT EXPERIENCES, WHILE ALSO CATERING FOR EVERYDAY PAYMENT NEEDS WITH JUST A MINIMUM REPAYMENT OF 3%.”
Masterpass is a digital wallet that allows you to check out faster no matter how you shop. Simply store your payment and shipping information in one secure location for a simple, fast, and secure checkout experience.
Visa Checkout is a digital payment service that can make online payment as fun and easy as online shopping. Visa Checkout lets you shop on multiple websites/online shops without the need to re-enter your card details. With Visa Checkout you can quickly switch between card accounts and shipping addresses registered in Visa Checkout by simply entering a username and password, protected by Visa.
The World’s First eCommerce Payment Management Company. CyberSource provides a complete portfolio of services that simplify and automate payment operations. Customers use our CyberSource and Authorize. Net brand solutions to process online payments, streamline fraud management, and simplify payment security. Born during the dawn of eCommerce in 1994, CyberSource was one of the pioneers in online payment and fraud management services for medium and large-sized merchants. In 2007, CyberSource acquired the leading U.S. small business payment services provider, Authorize.Net, thus expanding our market footprint to cover businesses ranging from the smallest sole proprietorships to the largest global brands. In 2010 CyberSource was acquired by, and operates as a wholly-owned subsidiary of, Visa Inc.Today, over 400,000 businesses worldwide use CyberSource solutions. The company is headquartered in Foster City, California, with offices throughout Asia, Europe, Latin America, the Middle East and Africa, and the United States.
CyberSource 3D Secure
Payer Authentication (3D Secure)
Payer Authentication (3D Secure) is a cardholder authentication service that deters unauthorized card use, and enables merchants to receive protection and liability shift from fraudulent activity and chargebacks. This enables merchants to add support for the following card types without running additional software on their own server(s):
Visa – Verified by Visa (VbV)
MasterCard/Maestro – MasterCard SecureCode
American Express – Amex Safekey
JCB – J/Secure