Monday, December 13, 2010

Nelnet Business Solutions Joins the Secure Vault Payments Network

Leading Campus Commerce Provider Adds New Option for Online Tuition Payments  

LINCOLN, Neb.--(BUSINESS WIRE)--Nelnet Business Solutions announced today they will join the Secure Vault Payments network and offer the online payment option to their more than 700 higher education clients. 
Secure Vault Payments is a safe and secure online payment network developed by NACHA — The Electronic Payments Association® and eWise, a provider of online payment & personal financial management solutions.
“Adding Secure Vault Payments to our suite of payment options allows us to offer even more solutions to colleges and universities with more flexible payment options to students and parents,” said Kevin Wiley, Chief Operating Officer of Nelnet Business Solutions. “Providing real-time authorization and confirmation of payment will be of great benefit to all clients we serve.”
Designed specifically for the unique security and convenience requirements of online payments and ecommerce, Secure Vault Payments enables students to make fast and secure tuition payments through their financial institutions’ online banking platforms without enrolling, registering or sharing any account information with the school. Financial institutions authenticate students and provide schools with real-time authorization and confirmation of ACH transactions.
“We are pleased to have Nelnet Business Solutions join the Secure Vault Payments network,” said Richard Brierley-Jones, Executive Vice President of eWise. “Nelnet is an important partner as Secure Vault Payments continues to become a premier payment option in the college and university space. Their clients across the country will be able to seamlessly activate Secure Vault Payments as a payment option, providing more choice, control and safety for students and parents.”
Companies interested in joining the SVP network should contact Dean Seifert, Senior Vice President, eWise at
About Nelnet Business Solutions
Nelnet Business Solutions (NBS) is committed to delivering superior technology and innovative business tools that improve services and reduce costs for higher education. This goal is accomplished by providing a suite of campus commerce solutions including eBilling and ePayment, actively managed tuition payment plans, cashiering, campus-wide commerce management, refunds, and more. NBS works with approximately 700 educational institutions and two million students and families each year, helping them achieve their goals. For more information,
About eWise
eWise is partnering with NACHA to provide the Secure Vault Payments network, utilizing its Online Banking ePayments (OBeP) technology and account management services. eWise is a payments and online financial management solutions provider with a reputation for providing innovative solutions that make transacting online easier and more secure. eWise offices in US, UK, China and Australia support some of the world’s top 50 financial institutions with solutions delivering outstanding, proven ROI for its customers and a better online experience for millions of end-users worldwide. For more information, visit


Patti Duncan, 303-256-6276
Nelnet Business Solutions
David King, 866-315-1270
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mopay Achieves Record Global Growth in 2010

Image representing mopay as depicted in CrunchBaseImage via CrunchBase
MUNICH & PALO ALTO, Calif.--(BUSINESS WIRE)--mopay, a global leader in innovative payment solutions for online merchants, today announced record global growth in 2010 following the launch of its official U.S. headquarters in Palo Alto, Calif. This past year, mopay added 150 new merchants globally, with the U.S. already accounting for 15 percent of all new merchant signups. Additionally, the company added 20 countries to its coverage list – resulting in a leading 80 countries covered – to maintain its global number-one position in terms of country coverage for mobile payments.
“For mopay, 2010 has been a year of explosive growth and success that resulted in significant momentum for the company both in the U.S. and abroad. Major social networks now use mopay to effectively monetize their users”
mopay made significant advancements in terms of technology in 2010, extending its existing mobile payment solutions portfolio to landline payments with the launch of mopay call, a new solution that enables social networking and gaming providers to offer even more payment options to their customers. The company also launched mopay 2go to address the exploding mobile apps market in Europe, the U.S. and APAC.
“For mopay, 2010 has been a year of explosive growth and success that resulted in significant momentum for the company both in the U.S. and abroad. Major social networks now use mopay to effectively monetize their users,” said Kolja Reiss, Managing Director of mopay. “The mobile payments industry is very competitive, especially as the popularity of the technology continues to grow around the world. mopay’s history of innovation and success helped us rapidly position ourselves as a force to be reckoned with in the U.S. and we look forward to continuing to grow our footprint and advocate for mobile payments in the year ahead.”
mopay is poised for even greater success in the coming year with a major focus on achieving significant double-digit growth again in 2011 – for the U.S. market an impressive growth of up to 500 percent is expected. Further, the company is planning to open several additional new offices internationally and will be launching major new solutions in the first and second quarters of 2011.
About mopay
mopay is a global leader in innovative payment solutions for online merchants. mopay’s core platform enables merchants of virtual, digital and physical goods to bill charges directly to consumers’ cell phone and land line accounts. mopay operates in more than 80 countries across the globe, reaching more than 3.3 billion consumers. The company has a blue-chip customer base including major brands such as Bigpoint, Gameforge, Innogames, Sulake and Travian. mopay, part of the MindMatics group, has more than 100 employees at locations in Germany, Austria, the United Kingdom and the United States. For more information, visit


PAN Communications
Lisa Astor, 001 - 978-474-1900
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Vystar Credit Union Selects ACCEL/Exchange from Fiserv as Its Exclusive PIN Debit Network

VyStar Credit UnionImage via Wikipedia

Brookfield, Wis., ePayment News Blog - Fiserv, Inc. (NASDAQ: FISV), the leading global provider of financial services technology solutions, today announced that VyStar Credit Union has signed an agreement with its ACCEL/Exchange® debit payments network to be the credit union's exclusive PIN debit provider.

The $4.1 billion, Jacksonville, Fla.-based credit union has been an ACCEL/Exchange member for 20 years. Nearly three years ago, VyStar streamlined the number of its PIN debit providers down to two and found that by doing so it was able to increase its payments program revenues and profitability substantially. To further reduce costs, eliminate redundancies that included the management of multiple networks and simplify back-office processes, VyStar has now chosen the ACCEL/Exchange network as its single payments provider.

"With PIN debit as a key component of our overall payments strategy, ACCEL/Exchange from Fiserv provides us with exceptional transactional revenue opportunities and a diverse mix of innovative and secure debit payment solutions," said Richard G. Alfirevic, Executive Vice President and Chief Operating Officer of VyStar "Based upon our past experience with ACCEL/Exchange, we are extremely confident that the Network will provide us with all of the access, performance and value that we need, and high quality services our members have come to expect."

The network began processing and offering online PIN debit transactions in November 2009 as a result of a PIN debit pilot program initiated in March 2009 by Accel/Exchange and Acculynk, a US payment services provider. 

The unique governance structure of ACCEL/Exchange gives clients the opportunity to participate in the ACCEL/Exchange Network Advisory Council to set the strategic and tactical goals for the Network. This partner engagement philosophy contributed to VyStar's decision to make ACCEL/Exchange its exclusive network. By participating on the Council, which is comprised of financial institutions that represent a cross-section of ACCEL/Exchange Network membership, VyStar can have a real influence on the Network's pricing, rules and strategic direction, including product innovation.

"The financial industry is in the midst of unprecedented change, which also creates opportunity," said Michael Kelly, general manager ACCEL/Exchange, Fiserv. "Institutions like VyStar that focus on planning strategically now will be well positioned to win in the long term."
Michael Kelly discusses business strategies for financial institutions to consider in light of new regulations in a free video from theFiserv Boardroom Series, a unique thought leadership community, designed exclusively for Fiserv clients. Fiserv clients may sign up for a complimentary membership in the Boardroom Series at For more information about ACCEL/Exchange, please visit

About Fiserv
Fiserv, Inc. (NASDAQ: FISV) is the leading global provider of information management and electronic commerce systems for the financial services industry, driving innovation that transforms experiences for financial institutions and their customers. Fiserv is ranked No. 1 on the FinTech 100 survey of top technology partners to the financial services industry. For more information,

Media Relations:
Julie Nixon
Public Relations Manager
Fiserv, Inc.
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Fed to Address Debit-Card Swipe Fees on December 16th

According to Bloomberg's BusinessWeek, the Federal Reserve Board will meet Dec. 16 to weigh a proposed cap of debit-card transaction fees that could cut card-issuer profits and benefit retailers.
The Fed is writing rules for debit-card transaction fees under a provision of Dodd-Frank, the financial-regulation overhaul enacted in July. The so-called Durbin amendment requires that interchange fees -- what a merchant pays to the bank that issues a customer’s debit card -- be “reasonable and proportional to the cost incurred by the issuer.”
The regulation, which doesn’t cover credit-card fees, may cut into profits for debit-card issuers like Bank of America Corp., and reduce costs for retailers such as Wal-Mart Stores Inc. andTarget Corp.
In September, Bank of America recorded a $10.4 billion goodwill charge -- a reduction in the intangible value of the business -- because of the interchange rule. The bank, based in Charlotte, North Carolina, has said the caps could reduce annual revenue by $2.3 billion.
Dodd-Frank requires the Fed, which writes regulations on electronic payments, to complete the rule by April 21. The vote will open a public comment period, after which the Fed board will meet to vote on the final rule.
‘Negative Consequences’
The law gives the Fed the authority to set interchange fees based on the level of fraud and other reasons. It also authorizes the Fed to consider unspecified facts that could give the central bank leeway in setting the fees, said Adam Frisch, a Morgan Stanley analyst who covers Visa and MasterCard.
“The question is not how much interchange fees will go up, the question is how far it will go down for debit,” Frisch said in a telephone interview.
U.S. Senator Thomas R. Carper, a Delaware Democrat who opposed the Durbin amendment in Congress, sent a letter to Fed Chairman Ben S. Bernanke today urging him to “use the discretion granted you to minimize negative consequences.”
Two lawmakers who voted for the provision, Senators David Vitter and Mike Crapo, both Republicans, signed Carper’s letter.
“Senator Carper will consider what, if any, additional steps are necessary after the Fed issues their rule on this matter,” Emily Spain, a spokeswoman for the lawmaker, said in an e-mail.
Susan Wheeler, a spokeswoman for Crapo, and Joel DiGrado, a spokesman for Vitter, didn’t return e-mails seeking comment.
$19.7 Billion
Visa Inc. and MasterCard Inc. set interchange, or “swipe” fees and pass that money along to banks that issue cards. Interchange is the largest part of the fees U.S. merchants pay to accept plastic from Visa and MasterCard. Debit fees totaled $19.7 billion and averaged 1.63 percent of each sale last year, according to the Nilson Report, an industry newsletter.
Retailers say interchange fees are out of proportion to the cost of providing the service. Banks say the legislation allows retailers to avoid a valid cost of doing business, without benefiting consumers.
The amendment was named for Senator Richard Durbin, an Illinois Democrat, who sponsored the provision. The Fed won’t consider debit-card network fees, which are excluded under the Dodd-Frank Act.
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Is the PIN Mightier than the Sword in Fighting Fraud?

Lydian Journal

Is the PIN Mightier Than the Sword in Fighting Fraud?
Nothing is more important to the future of electronic payments than maintaining consumer trust and, in particular, consumer confidence that sensitive financial information will remain secure. In our second issue of the Lydian Journal, Ellen Richey- Visa's Chief Enterprise Risk Officer, pens her thoughts on PIN fraud and security. Read More

Big Debit Interchange Cuts Coming to Europe

Regulators Accept Visa Europe’s Promise of Big Debit Interchange Cuts
Dec. 8, 2010

Ominous or joyous interchange news, depending on your perspective, just rolled in from Europe. The European Commission, the antitrust authority in European Union nations, on Dec. 8 accepted Visa Europe’s proposal to reduce debit card interchange by up to 60% in nine countries.
The EC’s action, while having no legal application in the U.S., comes as American bankers, merchants, and payment executives anxiously await debit card interchange regulations from the Federal Reserve Board. The Fed is expected to announce rules this month or in January implementing the new Dodd-Frank financial-reform law that calls for regulation of debit interchange and gives merchants more freedom to choose debit networks and route debit transactions over the least-costly rails.
According to a news release from the Brussels-based EC, Visa Europe committed to cutting the maximum weighted average multilateral interchange fee (MIF) to 0.2%, applicable to cross-border debit card transactions and domestic debit transactions in nine countries where Visa Europe directly sets MIFs. “This represents a reduction of about 60% on average for domestic MIFs and 30% for cross-border MIFs,” the EC said.
Visa Europe, an association and licensee of San Francisco-based Visa Inc. owned by 4,000 banks, also committed “to maintain and further develop measures which will increase transparency and competition in the payment cards markets,” the release said. Such measures could include publication of MIFs, unblending of merchant fees, and the possibility of merchants being able to freely choose which Visa products they would accept.
Wednesday’s announced rate reductions largely follow a proposal Visa submitted in April and are binding for four years. A trustee will oversee their implementation. “The agreed commitments on immediate debit interchange fees and methodology are an important step towards the achievement of the Single Euro Payment Area (SEPA),” Visa Europe chief executive Peter Ayliffe said in a statement reported by the Reuters news service.
The countries directly affected are Greece, Hungary, Iceland, Ireland, Italy, Malta, Sweden, Luxembourg, and the Netherlands. (Visa’s cards in Luxembourg and the Netherlands currently are prepaid cards only.) The new rate regime could be extended to other countries should Visa become responsible for setting MIFs elsewhere.
The EC said it would end its Visa debit card investigation that started in April 2009 on the premise that association’s payment practices harmed competition between merchants’ banks, inflated merchants’ costs, and ultimately increased consumer prices. The commission is still investigating issues involving Visa credit and deferred debit cards, according to wire reports. The EC has also challenged MasterCard’s consumer debit card interchange fees. MasterCard has adjusted them in 2009 but is appealing in court.
In a research note issued on Wednesday, investment bank Goldman Sachs & Co. said Visa Europe’s action would not affect Visa Inc.’s revenues. Goldman Sachs, however, said U.S. debit card interchange rates are likely to decline, with the Fed possibly clipping signature-based debit card interchange down to PIN-debit levels. As bank card networks, Visa Inc., Visa Europe, and MasterCard set debit and credit card interchange, but merchant acquirers pay the fees to card issuers. Acquirers pass the expense on to merchants, whose complaints about rising card-acceptance costs have caught the ears of legislators and regulators on both sides of the Atlantic and in Australia in recent years.
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Tyfone Issued Fourth Mobile Payment Patent Continues to Build Patent Portfolio with Issuance of Fourth Patent for Its Mobile Secure Transaction Platform

Latest Patents Cover Critical Technologies in Electronic Wallet Authentication and Mobile Contactless NFC Payments
PORTLAND, Ore.--(BUSINESS WIRE)--Tyfone (, a global provider of unified mobile secure transaction infrastructure for mobile banking, mobile identity management, and mobile contactless NFC payments, announced the award of its second patent this year for the company’s innovative mobile electronic wallet technology. Tyfone has four issued and several pending patents.
“The need for authenticating users for access to data involved in financial transactions is obvious and cannot be overstated”
This newest patent, US 7,805,615, entitled “Asymmetric cryptography with user authentication,” has an effective filing date of July 15, 2005.
Tyfone’s u4ia® (pronounced euphoria) Mobile Secure Transaction platform addresses today's business need for high assurance identity authentication and secure access to electronic wallet information even if the mobile phone is not connected to the network at the time of transaction. Apart from secure wallet information access benefits, the algorithm authenticates a user without the pitfalls of password hacking because there is no local storage of direct hashed password or password in the clear.
The significance of this authentication is best explained with an example – say you are underground in a train station and need to unlock your mobile wallet to tap-and-pay on the turnstile; you can do so securely even when there is low or no network connectivity for the mobile phone. And if you happened to lose your mobile phone, your password cannot be easily compromised.
"The need for authenticating users for access to data involved in financial transactions is obvious and cannot be overstated," said Jim Reavis, founder of the data security firm Reavis Consulting Group and executive director of the Cloud Security Alliance. "The vast majority of people are not security experts, nor do they pay as much attention as they should when it comes to secure authentication. For the mobile secure transaction marketplace to grow and thrive, it requires companies, such as Tyfone, to develop secure methods that can be easily deployed for consumers by stakeholders such as financial institutions, carriers, device manufacturers and retailers."
Just a few weeks ago Tyfone also announced the issuance of patent, US 7,828,214, entitled “Mobile phone with electronic transaction card” having an effective filing date of February 22, 2005. Tyfone’s patented technology enables the use of a mobile phone having a memory card slot and a memory card compatible with the memory card slot to transmit transaction data to a reader device. The memory card includes circuitry used to produce a time-varying magnetic field that enables a contactless transaction. The circuitry used to produce a time-varying magnetic field may include smartcard circuitry.
“A well known law in Physics, called Faraday's law, describes how a time-varying magnetic field creates an electric field,” said Prof. Pramod Chandra (PCP) Bhatt, faculty emeritus of Indian Institute of Technology Delhi. He added, “Electromagnetic waves manifest a form of duality between electric and magnetic fields - advancing in tandem in time and space. Radio waves and microwaves emitted are one form of electromagnetic waves in specific frequency band referred to as radio frequency or RF.” This time-varying magnetic field based relationship is one of the key operating principles behind RF identification (RFID) and contactless NFC.
In the growing mobile marketplace, Tyfone’s patents, u4ia® (pronounced euphoria) mobile secure transaction platform, and SideTap™ memory card product enable any commerce stakeholder to bring immediate scale and security to all mobile transactions – both online and offline at point-of-sale.
“Tyfone has been deliberate in comprehending the mobile transaction evolution and recognizes that security and neutral secure elements are necessary for sustainable success,” says Dr. Siva G. Narendra, Tyfone’s chief technology officer and co-founder. “Stakeholders understand that the key to success is ensuring a positive user experience. Likewise, deployments are only as good as the security implementation behind them and the comfort consumers have in it. Our issued and pending patents augment this viewpoint and we have a portfolio that enables robust implementations and one that encourages the notion of neutrality in mobile transactions.”
About Tyfone:
Founded in 2004, Tyfone’s corporate headquarters are in Portland, Oregon, and its Asia-Pacific headquarters in Bangalore, India. Tyfone connects money and mobility via a highly secure, scalable and flexible mobile financial services solution tailored to meet the evolving needs of consumers, financial institutions, mobile network operators, transportation companies, and retailers. Operating in any standard memory card slot, Tyfone’s u4ia® platform and its companion SideTap™ memory card is the world’s first patented, neutral, and comprehensive memory card-based payments solution for mobile contactless payments. Tyfone and its partners enable a suite of services including Mobile Banking, Mobile Identity Management, Mobile Remote Payments, Mobile Retail Services, and Mobile Contactless Payments. For more information visit
Some names and brands mentioned may be claimed as the property of others. u4ia, Tyfone, and SideTap are trademarks of Tyfone, Inc.


Mobility Public Relations
Holly Woolard, 503-343-4144

Shopify Announces $7 Million Series A Funding from Bessemer, FirstMark, and Felicis

Image representing Bessemer Venture Partners a...Image via CrunchBase

Shopify plans expansion, backers make bet on the future of commerce

OTTAWA, Ontario--(BUSINESS WIRE)--Shopify, the online-retail platform bringing advanced commerce functionality to businesses of all sizes, today announced it has secured $7 million in Series A funding from Bessemer Venture Partners, FirstMark Capital and Felicis Ventures.“Shopify's app store and its open APIs exemplify the continuing 'consumer-ization' of enterprise software, and the ease with which even small and mid-sized businesses can now offer a sophisticated online retail experience.”
Shopify, which features a groundbreaking “app store” to help run your shop, will use the proceeds to invest in the growth of the company, including product development and international expansion. Shopify already serves customers in over 60 countries. The company also plans to invest in its technology, infrastructure and developer tools. Shopify is committed to attracting the best app developers to its platform, giving them access to thousands of retailers.
“Shopify has developed a breakthrough SaaS platform that makes it incredibly simple for retailers to create truly standout, easy-to-launch businesses online,” said Alex Ferrara, a Bessemer partner who will be joining Shopify’s board. “Shopify's app store and its open APIs exemplify the continuing 'consumer-ization' of enterprise software, and the ease with which even small and mid-sized businesses can now offer a sophisticated online retail experience.” Bessemer is also a backer of Yelp, another Web company that gives exposure to small, local businesses online.
“We founded Shopify because it was too difficult to get an online store up and running,” said Tobias Lutke, CEO and co-founder, Shopify. “While we are already profitable, the support gives us additional resources to improve our products and add value for our users. Our mission continues to be to make it as easy as possible for retailers of all sizes to start and run a business online.”
Shopify's software-as-a-service offering can scale as customers grow: Shopify processes more than $100M in revenue for customers as diverse as General Electric, Tesla Motors, Amnesty International and the Foo Fighters. “Shopify has allowed us to focus on our product,” said Craig Dalton, president and co-founder of DODOcase. “We knew we wanted to have a powerful e-commerce system in the background, so we chose Shopify.”
At the same time, Shopify makes it simple for smaller sellers with little or no programming skills to set up an online shop in just a few minutes. Each Shopify storefront is customizable and gives the user control over a shop's look and feel, in addition to setting up a streamlined checkout and the ability to easily integrate PayPal or a credit-card processor for payments. Shopify employs a dedicated team of security experts to ensure each storefront meets the highest possible security requirements. The Shopify App Store is a collection of Shopify apps that can extend the functionality of the online store, and has brand name apps such as Quickify, Chimpified, Hubspot, and Vurve.
Several members of Shopify’s management team are long-time Ruby on Rails pioneers including CEO and co-founder Tobias Lutke, who has served on the core team of the Ruby on Railsframework. Chief Technology Officer Cody Fauser is the lead author of Rails 3 in a Nutshell and is the sole maintainer of ActiveMerchant, the most popular payment processing library for Ruby.
About Shopify:
Shopify is the Internet’s most elegant, simple and affordable online retail platform aimed at providing businesses with easy to use e-commerce solutions. Shopify’s mission is to make it as easy as possible to set up and manage e-commerce storefronts. Shopify’s scalable and flexible full-featured platform enables any size business to efficiently launch and operate an online retail presence with ease. It currently hosts more than 10,000 online retailers, including Tesla Motors, Evisu Jeans and Robin Piccone.
About Bessemer Venture Partners:
Bessemer Venture Partners is a global investment group with offices in Silicon Valley, Boston, New York, Mumbai and Tel Aviv. One of the oldest venture-capital practices in the United States, BVP has partnered as an active, hands-on investor in Ciena, LinkedIn, Blue Nile, Postini, Skype, Staples, Quidsi, VeriSign and Yelp. More than 100 Bessemer-funded companies have gone public on exchanges in Canada, India, London and the United States. Learn more at and follow us on Twitter at
About FirstMark Capital:
Based in New York City, FirstMark Capital invests in ground-breaking companies that are creating new markets with innovative technology solutions or fundamentally changing existing markets by applying a fresh approach and new business model. A venture leader with nearly $2 billion in capital commitments, FirstMark's team of investment and operations professionals have decades of real-world experience and leadership in core technology markets, making the firm uniquely qualified to offer industry insight, relationships and the operational expertise to build lasting businesses. Select historical investments include: Netgear, Inc. (NASDAQ: NTGR); First Advantage Corp. (Acquired by First American Corporation; NASDAQ: FAF); StubHub, Inc (Acquired by eBay, Inc.; NASDAQ:EBAY); Netegrity, Inc. (Acquired by CA Inc; NASDAQ: CA); Flarion, Inc. (Acquired by Qualcomm, Inc; NASDAQ: QCOM); OutlookSoft Inc. (Acquired by SAP AG; NASDAQ: SAP); Vallent (Acquired by IBM; NASDAQ: IBM), Navic (Acquired by Microsoft; NASDAQ: MSFT) and Boomi (Acquired by Dell; NASDAQ: DELL). Current investments include: SecondMarket, Riot Games, Knewton, SPADAC, Conductor, Clickable and Lumos Labs. For more information, please visit
About Felicis Ventures:
Founded in 2006 by Aydin Senkut, Felicis Ventures is a super angel fund backed by institutional as well as high profile individual investors and based in Palo Alto, California. It is focused on supporting the best and brightest technology entrepreneurs with capital, mentorship and connections. Felicis Ventures’ portfolio is comprised of leading mobile and consumer Internet companies including Brightroll, Bump, Crowdflower, Erply, Imageshack, Inkling, Meraki, Posterous, Practice Fusion, Wildfire and Yume Networks. Recent exits of portfolio companies include Aardvark (acquired by Google), GeoAPI (acquired by Twitter), Mint (acquired by Intuit), Milo (acquired by eBay), (acquired by Groupon), Mochi Media (acquired by Shanda Games), Plusmo (acquired by AT&T), Powerset (acquired by Microsoft) and Tapulous (acquired by Disney). For more information, visit


Hill & Knowlton for Shopify
Rachel de Jong, 415-281-7148
Bessemer Venture Partners:
The Buckman Group for Bessemer Venture Partners
Rebecca Buckman, 650-703-0364
Articulate Communications for FirstMark Capital
April Harned, 212-255-0080 ext. 23
Felicis Ventures:
Atomic PR for Felicis Ventures
Sylvie Tongco, 415-593-1400
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