北美、欧洲、中亚、南美收单厂商业务情况（更新中）

1. 北美和欧洲

1. 1. ACI Worldwide

   • 概述：ACI Worldwide Inc. is an American payment systems company headquartered in Elkhorn, Omaha, Nebraska. ACI develops a broad line of software focused on facilitating real-time electronic payments. ACI Worldwide’s products and services are used globally by banks, financial intermediaries such as third-party electronic payment processors, payment associations, switch interchanges, merchants, corporations, and a wide range of transaction-generating endpoints, including automated teller machines (“ATM”), merchant point of sale (“POS”) terminals, bank branches, mobile phones, tablet computers, corporations, and internet commerce sites.
   • 主要业务：支付处理、跨境支付、金融服务技术、风险管理等。
   • 2023年营收：约为22亿美元（根据其年报）。ACI Worldwide为全球数以千计的银行和商户提供解决方案，特别是在卡处理和跨境支付领域具有优势。
   • 公司规模：ACI Worldwide 在全球拥有数千名员工，其客户遍布全球200多个国家。
   • 收单方案介绍：https://www.aciworldwide.com/solutions/aci-acquiring
   • 财报官网：https://investor.aciworldwide.com/news-releases/news-release-details/aci-worldwide-inc-reports-financial-results-quarter-ended-39
   • 注意无收单方面单独的营收情况：

2. 2. Worldpay

   • 概述：Worldpay is an American multinational financial technology company and payment processing company. Worldpay provides payment and technology services to merchants and financial institutions globally generating 40 billion transactions across 146 countries and 135 currencies. https://corporate.worldpay.com/
     注意 Worldpay 和 TSYS 等多个支付公司被FIS收购。Worldpay Tops the Charts in The Strawhecker Group’s Analysis of Merchant Acquirers in Europe
   • 主要业务：Worldpay’s portfolio includes solutions to help customers make, take, and manage payments. These solutions are tailored for various platform, business owner, and enterprise needs.
     In May 2024 Worldpay released a tap to pay feature on iPhone enabling merchants to securely accept contactless payments including contactless credit and debit cards, Apple Pay and other digital wallets. https://corporate.worldpay.com/news-releases/news-release-details/worldpay-makes-payments-even-easier-launches-tap-pay-iphone
   • 营收：
     

3. 3. Worldline

   • 概述：Worldline SA is a French fintech founded in 1972 and the world’s number 4 payments leader.
     Worldline covers the full payments value chain in France and Europe: issuing processing, payments acceptance, commercial acquiring and acquiring processing, as well as addition digital services for government bodies and companies, beyond payments.
     In 2023 Worldline generated a proforma revenue of €4.6 billion.
     https://en.wikipedia.org/wiki/Worldline_SA
   • 主要业务：收单服务、支付网关、银行卡处理、反欺诈和风险管理等。收单业务介绍
   • 公司规模：Worldline 是欧洲最大的支付技术公司之一，员工超过20,000人，服务遍及全球多个国家。

4. 4. TSYS (Total System Services)

   • 概述：Total System Services, Inc. (commonly referred to as TSYS), is an American financial technology company headquartered in Columbus, Georgia. In 2019, TSYS was merged into Global Payments Inc. TSYS is the largest third-party payment processor for issuing banks in North America, with a 40% market share, and one of the largest in Europe.官网
   • 主要业务：银行卡处理、收单服务、支付网关等。
   • 2023年营收：作为 Global Payments 的一部分，TSYS 的收入已整合，Global Payments 的总营收约为260亿美元。无单独收单业务营收信息。
   • 公司规模：TSYS 在合并之前是全球支付服务的主要提供商之一，其业务遍及全球。

5. 5. Payten

   • 概述：Payten 是一家为银行和金融机构提供支付技术服务的公司，专注于支付收单、支付网关和银行卡处理解决方案。Payten 主要为中小型银行和金融服务公司提供收单技术支持。Payten, member of Asseco South Eastern Europe Group (ASEE), provides end-to-end payment industry solutions for financial institutions and merchants. The offering includes solutions for eCommerce, mPayments, Processing as well as ATM and POS related services. 官网
     
   • 主要业务：支付网关、商户收单、卡处理、金融技术服务等。
   • POS：Our software solutions and services include but are not limited to mPOS, EFTPOS, terminal management, and remote key loading, POS infrastructure, and outsourcing. Payten is the leading regional provider of POS services and solutions in 10 countries cooperating with 100+ banks.
   • 合作伙伴：
     

6. 6. Ingenico (现为Worldline的一部分)

   • 概述：Ingenico is a French merchant services technology company, that facilitates secure electronic transactions. The company expanded as a manufacturer of point of sale (POS) payment terminals to also include complete merchant payment SaaS and related services. Ingenico 曾是全球领先的支付终端和收单解决方案提供商，提供包括POS终端、支付网关和银行卡处理的多种支付服务。2019年，Ingenico 被 Worldline 收购。官网
   • 主要业务：POS终端、收单服务、支付网关、银行卡处理。
   • 公司规模：在被收购之前，Ingenico 拥有数万名员工，且业务遍及全球多个国家。

7. 7. Adyen
   - 概述：Adyen is a Dutch payment company with the status of an acquiring bank that allows businesses to accept e-commerce, mobile, and point-of-sale payments. It is listed on the stock exchange Euronext Amsterdam.
   - 主要业务：支付网关、商户收单、跨境支付、风险管理等。
   - 2023年营收： 注意无收单业务单独营收

注意：

与 Openway 类似的公司主要专注于支付收单、支付网关、银行卡处理、跨境支付等业务，全球市场上的一些领先厂商包括 ACI Worldwide、FIS、Worldline、Global Payments 和 Adyen 等。它们提供的收单服务和技术平台帮助金融机构、支付公司和商户处理大量的支付交易，并提供增值服务如风险管理、反欺诈和数据分析等。（by chatgpt)

2. 中亚地区 (Central Asia)

1. Uzcard

• 概述：Uzcard 是乌兹别克斯坦的主要支付卡发行和处理机构，提供支付网关、商户收单等服务，主要为当地市场提供服务。目前，UZCARD联合了该国的35家商业银行和33家支付聚合商。UZCARD卡用户可以通过POS和E-POS终端支付商品和服务，在自动取款机和信息亭获得服务，以及通过全国各地的移动应用程序和网上银行系统进行交易。官网
• 主要业务：商户收单、银行卡处理、支付网关。
• 公司规模：Uzcard 是乌兹别克斯坦最大的支付平台之一，主要在国内运营。

2. Openway

• 概述：Way4 digital payments software platform for tier-1, mid-size and start-up players – banks, processors, acquirers, payment service providers, telcos, national payment switches, fintech startups, fleet and other companies all over the world. 官网
• 主要业务：card issuing, merchant acquiring, digital wallet, fleet solution, payment switch.
• 主要服务伙伴：In every region of the world, local and cross-border acquirers and processors are using Way4 to deliver fast, stable and convenient services to their merchants. Among those who chose Way4 are established players in the market, while others are ambitious start-ups:
  Finaro (now part of Shift4) has transformed from a start-up to a global e-commerce acquirer after migrating to Way4.
  Equity Bank’s cross-border acquiring business in East Africa relies on Way4.
  Worldline, a Pan-European acquirer, processes over 18 million POS transactions daily on Way4.
  Network International, the multi-bank processor in the Middle East and Africa, uses Way4 to manage large merchant portfolios, both for POS and e-commerce acquiring.
  AIS, Thailand’s largest telecom and digital lifestyle company with 40 million subscribers, manages its mobile agent network on Way4.
  Krung Thai Bank in Thailand counts on Way4 to accelerate its digital banking transformation.
  Halyk Bank, a major POS and e-commerce acquirer using Way4, has expanded into the SME market in Central Asia by accepting QR code payments.
• Advantages：existing network system, low updated cost, fast implementation and low risk
• Disadvantages: old architecture, poor early support, and average reputation, average performance.

3. Tietoevry

• 概述：Tietoevry Corporation (natively Tietoevry Oyj, Tieto prior to June 2019) is a Finnish IT software and service company providing IT and product engineering services. Tietoevry is domiciled in Espoo, Finland. Tietoevry has approximately 24,000 employees across 20 countries, and has customers in the energy, forestry, banking, healthcare and public sectors.
• 主要业务：业务众多，需要注意有card issuing。
• How Kaspi.kz created a Kazakh paytech revolution with Tietoevry Banking’s card platform：kaspi.kz是当地的superapp。
• Advantages：kasha live network system has successful cases, is relatively mature, and has a more advanced architecture than Openway
• Disadvantages: the architecture is not microservice-based and there is no office in Kazakhstan.

4. Compass Plus (base UK)

• Solutions：Issuing solutions, acquiring solutions, digital solutions, ATM management. 官网
• Processing services：Card scheme gateway services, Issuing services, merchant acquiring services, ATM acquiring service, 3DS ACS service, MobiCash Payments, pocket bank。

5. BPC (SmartVista)

• 概述：SmartVista is an end to end payment platform used by over 280 financial institutions worldwide in banking, payment, commerce, government and mobility. 官网
• Products：涉及广泛，非常细分

• Acquiring：介绍

2. 南美地区 (South America)

1. 1. Mercado Pago

   • 概述：Mercado Pago 是拉丁美洲最大的支付平台之一，隶属于 Mercado Libre 电子商务公司。Mercado Pago 提供包括在线支付、移动支付、POS支付和收单解决方案等服务，覆盖南美多个国家。官网

   • 主要业务：商户收单、支付网关、金融服务、跨境支付。注意解决方案不是每个国家都覆盖。

   • 2023年营收：约为 37 亿美元（Mercado Libre 总体收入）。Mercado Pago 的收入主要来自于在线支付、商户服务和金融服务。

   • 公司规模：Mercado Pago 在南美拥有庞大的用户和商户基础，涵盖阿根廷、巴西、墨西哥等国家。

2. 2. Cielo

   • 概述：Cielo 是巴西领先的支付技术公司，专注于为商户提供收单和支付处理服务。它在巴西市场占据了重要的市场份额，并逐步扩展到拉丁美洲其他国家。官网
   • 主要业务：商户收单、POS支付、卡处理、移动支付。
   • 2023年营收：约为 60 亿巴西雷亚尔（约合 12 亿美元）。收入来自商户支付处理、手续费和支付网关服务。
   • 公司规模：Cielo 是巴西最大的支付处理公司之一，拥有超过 1 万名员工。

3. 3. StoneCo

   • 概述：StoneCo 是巴西的支付解决方案公司，提供广泛的支付收单服务，包括POS系统、在线支付和商户服务。StoneCo 主要服务中小型企业，并逐步扩展到拉丁美洲其他国家。
   • 主要业务：支付处理、商户收单、POS终端服务、跨境支付。
   • 2023年营收：约为 28 亿美元（StoneCo 年报）。StoneCo 的收入来源主要是商户收单、支付处理和跨境支付等。
   • 公司规模：StoneCo 在巴西市场占有重要地位，员工超过 3,000 人，服务遍布多个拉美国家。