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Available in 16 languages" > <label id="p-lang-btn-label" for="p-lang-btn-checkbox" class="vector-dropdown-label cdx-button cdx-button--fake-button cdx-button--fake-button--enabled cdx-button--weight-quiet cdx-button--action-progressive mw-portlet-lang-heading-16" aria-hidden="true" ><span class="vector-icon mw-ui-icon-language-progressive mw-ui-icon-wikimedia-language-progressive"></span> <span class="vector-dropdown-label-text">16 languages</span> </label> <div class="vector-dropdown-content"> <div class="vector-menu-content"> <ul class="vector-menu-content-list"> <li class="interlanguage-link interwiki-ar mw-list-item"><a href="https://ar.wikipedia.org/wiki/%D9%85%D8%B2%D9%88%D8%AF_%D8%AE%D8%AF%D9%85%D8%A9_%D8%A7%D9%84%D8%AF%D9%81%D8%B9" title="مزود خدمة الدفع – Arabic" lang="ar" hreflang="ar" data-title="مزود خدمة الدفع" data-language-autonym="العربية" data-language-local-name="Arabic" class="interlanguage-link-target"><span>العربية</span></a></li><li class="interlanguage-link interwiki-bn mw-list-item"><a href="https://bn.wikipedia.org/wiki/%E0%A6%AA%E0%A7%87%E0%A6%AE%E0%A7%87%E0%A6%A8%E0%A7%8D%E0%A6%9F_%E0%A6%AA%E0%A6%B0%E0%A6%BF%E0%A6%B7%E0%A7%87%E0%A6%AC%E0%A6%BE_%E0%A6%AA%E0%A7%8D%E0%A6%B0%E0%A6%A6%E0%A6%BE%E0%A6%A8%E0%A6%95%E0%A6%BE%E0%A6%B0%E0%A7%80" title="পেমেন্ট পরিষেবা প্রদানকারী – Bangla" lang="bn" hreflang="bn" data-title="পেমেন্ট পরিষেবা প্রদানকারী" data-language-autonym="বাংলা" data-language-local-name="Bangla" class="interlanguage-link-target"><span>বাংলা</span></a></li><li class="interlanguage-link interwiki-de mw-list-item"><a href="https://de.wikipedia.org/wiki/Payment-Service-Provider" title="Payment-Service-Provider – German" lang="de" hreflang="de" data-title="Payment-Service-Provider" data-language-autonym="Deutsch" data-language-local-name="German" class="interlanguage-link-target"><span>Deutsch</span></a></li><li class="interlanguage-link interwiki-es mw-list-item"><a href="https://es.wikipedia.org/wiki/Proveedor_de_servicios_de_pago" title="Proveedor de servicios de pago – Spanish" lang="es" hreflang="es" data-title="Proveedor de servicios de pago" data-language-autonym="Español" data-language-local-name="Spanish" class="interlanguage-link-target"><span>Español</span></a></li><li class="interlanguage-link interwiki-fa mw-list-item"><a href="https://fa.wikipedia.org/wiki/%D8%A7%D8%B1%D8%A7%D8%A6%D9%87%E2%80%8C%D8%AF%D9%87%D9%86%D8%AF%D9%87_%D8%AE%D8%AF%D9%85%D8%A7%D8%AA_%D9%BE%D8%B1%D8%AF%D8%A7%D8%AE%D8%AA" title="ارائه‌دهنده خدمات پرداخت – Persian" lang="fa" hreflang="fa" data-title="ارائه‌دهنده خدمات پرداخت" data-language-autonym="فارسی" data-language-local-name="Persian" class="interlanguage-link-target"><span>فارسی</span></a></li><li class="interlanguage-link interwiki-fr mw-list-item"><a href="https://fr.wikipedia.org/wiki/Prestataire_de_services_de_paiement" title="Prestataire de services de paiement – French" lang="fr" hreflang="fr" data-title="Prestataire de services de paiement" data-language-autonym="Français" data-language-local-name="French" class="interlanguage-link-target"><span>Français</span></a></li><li class="interlanguage-link interwiki-ko mw-list-item"><a href="https://ko.wikipedia.org/wiki/%EA%B2%B0%EC%A0%9C_%EC%84%9C%EB%B9%84%EC%8A%A4_%EC%A0%9C%EA%B3%B5%EC%9E%90" title="결제 서비스 제공자 – Korean" lang="ko" hreflang="ko" data-title="결제 서비스 제공자" data-language-autonym="한국어" data-language-local-name="Korean" class="interlanguage-link-target"><span>한국어</span></a></li><li class="interlanguage-link interwiki-it mw-list-item"><a href="https://it.wikipedia.org/wiki/Payment_service_provider" title="Payment service provider – Italian" lang="it" hreflang="it" data-title="Payment service provider" data-language-autonym="Italiano" data-language-local-name="Italian" class="interlanguage-link-target"><span>Italiano</span></a></li><li class="interlanguage-link interwiki-nl mw-list-item"><a href="https://nl.wikipedia.org/wiki/Payment_service_provider" title="Payment service provider – Dutch" lang="nl" hreflang="nl" data-title="Payment service provider" data-language-autonym="Nederlands" data-language-local-name="Dutch" class="interlanguage-link-target"><span>Nederlands</span></a></li><li class="interlanguage-link interwiki-ne mw-list-item"><a href="https://ne.wikipedia.org/wiki/%E0%A4%AD%E0%A5%81%E0%A4%95%E0%A5%8D%E0%A4%A4%E0%A4%BE%E0%A4%A8%E0%A5%80_%E0%A4%B8%E0%A5%87%E0%A4%B5%E0%A4%BE_%E0%A4%AA%E0%A5%8D%E0%A4%B0%E0%A4%A6%E0%A4%BE%E0%A4%AF%E0%A4%95" title="भुक्तानी सेवा प्रदायक – Nepali" lang="ne" hreflang="ne" data-title="भुक्तानी सेवा प्रदायक" data-language-autonym="नेपाली" data-language-local-name="Nepali" class="interlanguage-link-target"><span>नेपाली</span></a></li><li class="interlanguage-link interwiki-ja mw-list-item"><a href="https://ja.wikipedia.org/wiki/%E6%B1%BA%E6%B8%88%E3%82%B5%E3%83%BC%E3%83%93%E3%82%B9%E3%83%97%E3%83%AD%E3%83%90%E3%82%A4%E3%83%80" title="決済サービスプロバイダ – Japanese" lang="ja" hreflang="ja" data-title="決済サービスプロバイダ" data-language-autonym="日本語" data-language-local-name="Japanese" class="interlanguage-link-target"><span>日本語</span></a></li><li class="interlanguage-link interwiki-uz mw-list-item"><a href="https://uz.wikipedia.org/wiki/To%CA%BBlov_xizmatlari_provayderi" title="Toʻlov xizmatlari provayderi – Uzbek" lang="uz" hreflang="uz" data-title="Toʻlov xizmatlari provayderi" data-language-autonym="Oʻzbekcha / ўзбекча" data-language-local-name="Uzbek" class="interlanguage-link-target"><span>Oʻzbekcha / ўзбекча</span></a></li><li class="interlanguage-link interwiki-pt mw-list-item"><a href="https://pt.wikipedia.org/wiki/Provedor_de_servi%C3%A7os_de_pagamento" title="Provedor de serviços de pagamento – Portuguese" lang="pt" hreflang="pt" data-title="Provedor de serviços de pagamento" data-language-autonym="Português" data-language-local-name="Portuguese" class="interlanguage-link-target"><span>Português</span></a></li><li class="interlanguage-link interwiki-ru mw-list-item"><a href="https://ru.wikipedia.org/wiki/%D0%9F%D0%BE%D1%81%D1%82%D0%B0%D0%B2%D1%89%D0%B8%D0%BA_%D0%BF%D0%BB%D0%B0%D1%82%D1%91%D0%B6%D0%BD%D1%8B%D1%85_%D1%83%D1%81%D0%BB%D1%83%D0%B3" title="Поставщик платёжных услуг – Russian" lang="ru" hreflang="ru" data-title="Поставщик платёжных услуг" data-language-autonym="Русский" data-language-local-name="Russian" class="interlanguage-link-target"><span>Русский</span></a></li><li class="interlanguage-link interwiki-sv mw-list-item"><a href="https://sv.wikipedia.org/wiki/Betaltj%C3%A4nstleverant%C3%B6r" title="Betaltjänstleverantör – Swedish" lang="sv" hreflang="sv" data-title="Betaltjänstleverantör" data-language-autonym="Svenska" data-language-local-name="Swedish" class="interlanguage-link-target"><span>Svenska</span></a></li><li class="interlanguage-link interwiki-zh mw-list-item"><a href="https://zh.wikipedia.org/wiki/%E6%94%AF%E4%BB%98%E6%9C%8D%E5%8A%A1%E6%8F%90%E4%BE%9B%E5%95%86" title="支付服务提供商 – Chinese" lang="zh" hreflang="zh" data-title="支付服务提供商" data-language-autonym="中文" data-language-local-name="Chinese" class="interlanguage-link-target"><span>中文</span></a></li> </ul> <div class="after-portlet after-portlet-lang"><span class="wb-langlinks-edit wb-langlinks-link"><a href="https://www.wikidata.org/wiki/Special:EntityPage/Q1956140#sitelinks-wikipedia" title="Edit interlanguage links" class="wbc-editpage">Edit links</a></span></div> </div> </div> </div> </header> <div class="vector-page-toolbar"> <div class="vector-page-toolbar-container"> <div id="left-navigation"> <nav aria-label="Namespaces"> <div id="p-associated-pages" class="vector-menu vector-menu-tabs mw-portlet mw-portlet-associated-pages" > <div class="vector-menu-content"> <ul class="vector-menu-content-list"> <li id="ca-nstab-main" class="selected vector-tab-noicon mw-list-item"><a href="/wiki/Payment_service_provider" title="View the content page [c]" 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accesskey="p"><span>Printable version</span></a></li> </ul> </div> </div> <div id="p-wikibase-otherprojects" class="vector-menu mw-portlet mw-portlet-wikibase-otherprojects" > <div class="vector-menu-heading"> In other projects </div> <div class="vector-menu-content"> <ul class="vector-menu-content-list"> <li class="wb-otherproject-link wb-otherproject-commons mw-list-item"><a href="https://commons.wikimedia.org/wiki/Category:Payment_service_providers" hreflang="en"><span>Wikimedia Commons</span></a></li><li id="t-wikibase" class="wb-otherproject-link wb-otherproject-wikibase-dataitem mw-list-item"><a href="https://www.wikidata.org/wiki/Special:EntityPage/Q1956140" title="Structured data on this page hosted by Wikidata [g]" accesskey="g"><span>Wikidata item</span></a></li> </ul> </div> </div> </div> </div> </div> </div> </nav> </div> </div> </div> <div class="vector-column-end"> <div class="vector-sticky-pinned-container"> <nav class="vector-page-tools-landmark" aria-label="Page tools"> <div id="vector-page-tools-pinned-container" class="vector-pinned-container"> </div> </nav> <nav class="vector-appearance-landmark" aria-label="Appearance"> <div id="vector-appearance-pinned-container" class="vector-pinned-container"> <div id="vector-appearance" class="vector-appearance vector-pinnable-element"> <div class="vector-pinnable-header vector-appearance-pinnable-header vector-pinnable-header-pinned" data-feature-name="appearance-pinned" data-pinnable-element-id="vector-appearance" data-pinned-container-id="vector-appearance-pinned-container" data-unpinned-container-id="vector-appearance-unpinned-container" > <div class="vector-pinnable-header-label">Appearance</div> <button class="vector-pinnable-header-toggle-button vector-pinnable-header-pin-button" data-event-name="pinnable-header.vector-appearance.pin">move to sidebar</button> <button class="vector-pinnable-header-toggle-button vector-pinnable-header-unpin-button" data-event-name="pinnable-header.vector-appearance.unpin">hide</button> </div> </div> </div> </nav> </div> </div> <div id="bodyContent" class="vector-body" aria-labelledby="firstHeading" data-mw-ve-target-container> <div class="vector-body-before-content"> <div class="mw-indicators"> </div> <div id="siteSub" class="noprint">From Wikipedia, the free encyclopedia</div> </div> <div id="contentSub"><div id="mw-content-subtitle"></div></div> <div id="mw-content-text" class="mw-body-content"><div class="mw-content-ltr mw-parser-output" lang="en" dir="ltr"><div class="shortdescription nomobile noexcerpt noprint searchaux" style="display:none">Third-party company that assists businesses to accept a wide range of online payment methods</div> <p>A <b>payment service provider</b> (<b>PSP</b>) is a third-party company that allows businesses to accept electronic payments, such as <a href="/wiki/Credit_cards" class="mw-redirect" title="Credit cards">credit card</a> and <a href="/wiki/Debit_card" title="Debit card">debit card</a> payments. PSPs act as intermediaries between those who make payments, i.e. <a href="/wiki/Consumer" title="Consumer">consumers</a>, and those who accept them, i.e. <a href="/wiki/Retailers" class="mw-redirect" title="Retailers">retailers</a>.<sup id="cite_ref-:0_1-0" class="reference"><a href="#cite_note-:0-1"><span class="cite-bracket">[</span>1<span class="cite-bracket">]</span></a></sup> </p><p>They will often provide <a href="/wiki/Merchant_services" title="Merchant services">merchant services</a> and act as a <a href="/wiki/Payment_gateway" title="Payment gateway">payment gateway</a> or <a href="/wiki/Payment_processor" title="Payment processor">payment processor</a> for <a href="/wiki/E-commerce" title="E-commerce">e-commerce</a> and <a href="/wiki/Brick_and_mortar" title="Brick and mortar">brick and mortar</a> businesses. They may also offer <a href="/wiki/Risk_management" title="Risk management">risk management</a> services for card and bank based payments, transaction payment matching, <a href="/wiki/Digital_wallet" title="Digital wallet">digital wallets</a>, reporting, fund <a href="/wiki/Remittance" title="Remittance">remittance</a>, <a href="/wiki/Currency_exchange" class="mw-redirect" title="Currency exchange">currency exchange</a> and fraud protection. The PSP will typically provide software to integrate with e-commerce websites or <a href="/wiki/Point_of_sale" title="Point of sale">point of sale</a> systems.<sup id="cite_ref-2" class="reference"><a href="#cite_note-2"><span class="cite-bracket">[</span>2<span class="cite-bracket">]</span></a></sup> </p> <meta property="mw:PageProp/toc" /> <div class="mw-heading mw-heading2"><h2 id="Operation">Operation</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Payment_service_provider&action=edit&section=1" title="Edit section: Operation"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>PSPs establish technical connections with <a href="/wiki/Acquiring_bank" title="Acquiring bank">acquiring banks</a> and card networks, enabling merchants to accept different <a href="/wiki/Payment" title="Payment">payment methods</a> without the need to partner with a particular bank. They fully manage <a href="/wiki/Payment_processor" title="Payment processor">payment processing</a> and external network relationships, making the merchant less dependent on <a href="/wiki/Banking_institutions" class="mw-redirect" title="Banking institutions">banking institutions</a>.<sup id="cite_ref-3" class="reference"><a href="#cite_note-3"><span class="cite-bracket">[</span>3<span class="cite-bracket">]</span></a></sup> </p><p>PSP can also offer <a href="/wiki/Risk_management" title="Risk management">risk management</a> services for card and bank based payments, transaction payment matching, reporting, fund <a href="/wiki/Remittance" title="Remittance">remittance</a> and fraud protection. Some PSPs provide services to process other next generation methods (<a href="/wiki/Payment_systems" class="mw-redirect" title="Payment systems">payment systems</a>) including cash payments, wallets, <a href="/wiki/Stored-value_card" title="Stored-value card">prepaid cards</a> or <a href="/wiki/Voucher" title="Voucher">vouchers</a>, and even paper or <a href="/wiki/Electronic_funds_transfer" title="Electronic funds transfer">e-check</a> processing.<sup class="noprint Inline-Template Template-Fact" style="white-space:nowrap;">[<i><a href="/wiki/Wikipedia:Citation_needed" title="Wikipedia:Citation needed"><span title="This claim needs references to reliable sources. (September 2022)">citation needed</span></a></i>]</sup> </p><p>PSP fees are typically charged in one of two ways: as a percentage of each transaction, or as a fixed cost per transaction. <sup class="noprint Inline-Template Template-Fact" style="white-space:nowrap;">[<i><a href="/wiki/Wikipedia:Citation_needed" title="Wikipedia:Citation needed"><span title="This claim needs references to reliable sources. (September 2022)">citation needed</span></a></i>]</sup> </p><p>US-based <a href="/wiki/Online_payment" class="mw-redirect" title="Online payment">online payment</a> service providers are supervised by the Financial Crimes Enforcement Network (or <a href="/wiki/FinCEN" class="mw-redirect" title="FinCEN">FinCEN</a>), a bureau of the <a href="/wiki/United_States_Department_of_the_Treasury" title="United States Department of the Treasury">United States Department of the Treasury</a> that collects and analyzes information about financial transactions in order to combat <a href="/wiki/Money_laundering" title="Money laundering">money laundering</a>, terrorist financiers, and other <a href="/wiki/Financial_crime" title="Financial crime">financial crimes</a>. <sup class="noprint Inline-Template Template-Fact" style="white-space:nowrap;">[<i><a href="/wiki/Wikipedia:Citation_needed" title="Wikipedia:Citation needed"><span title="This claim needs references to reliable sources. (September 2022)">citation needed</span></a></i>]</sup> </p><p>European payment service providers are supervised based on the European <a href="/wiki/Payment_Services_Directive" title="Payment Services Directive">Payment Services Directive</a>.<sup id="cite_ref-4" class="reference"><a href="#cite_note-4"><span class="cite-bracket">[</span>4<span class="cite-bracket">]</span></a></sup> </p> <div class="mw-heading mw-heading2"><h2 id="Security">Security</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Payment_service_provider&action=edit&section=2" title="Edit section: Security"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>Each merchant remains responsible for his own actions and must accordingly ensure that the selected provider observes the guidelines, e.g. with regard to <a href="/wiki/Data_protection" class="mw-redirect" title="Data protection">data protection</a>. Compliance with <a href="/wiki/PCI_DSS" class="mw-redirect" title="PCI DSS">PCI DSS</a> guidelines is important. There are four levels of PCI compliance, that must be respected by the PSP. Depending on the volume of transactions as well as other details about the level of risk assessed by payment brands, the payment service provider has to follow higher standards. </p><p>The levels are as follows: </p> <ul><li>Level 1 – Over 6 million transactions annually;</li> <li>Level 2 – Between 1 and 6 million transactions annually;</li> <li>Level 3 – Between 20,000 and 1 million transactions annually;</li> <li>Level 4 – Less than 20,000 transactions annually.<sup id="cite_ref-5" class="reference"><a href="#cite_note-5"><span class="cite-bracket">[</span>5<span class="cite-bracket">]</span></a></sup></li></ul> <div class="mw-heading mw-heading2"><h2 id="Market_size">Market size</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Payment_service_provider&action=edit&section=3" title="Edit section: Market size"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>As of 2022<sup class="plainlinks noexcerpt noprint asof-tag update" style="display:none;"><a class="external text" href="https://en.wikipedia.org/w/index.php?title=Payment_service_provider&action=edit">[update]</a></sup>, there were more than 900 payment providers in the world. More than 300 offer services just for Europe <sup id="cite_ref-6" class="reference"><a href="#cite_note-6"><span class="cite-bracket">[</span>6<span class="cite-bracket">]</span></a></sup> and North America. The global payment service provider market is expected to reach $US88 billion by 2027 from $US40 billion in 2019.<sup id="cite_ref-7" class="reference"><a href="#cite_note-7"><span class="cite-bracket">[</span>7<span class="cite-bracket">]</span></a></sup> </p> <style data-mw-deduplicate="TemplateStyles:r1236090951">.mw-parser-output .hatnote{font-style:italic}.mw-parser-output div.hatnote{padding-left:1.6em;margin-bottom:0.5em}.mw-parser-output .hatnote i{font-style:normal}.mw-parser-output .hatnote+link+.hatnote{margin-top:-0.5em}@media print{body.ns-0 .mw-parser-output .hatnote{display:none!important}}</style><div role="note" class="hatnote navigation-not-searchable">Main article: <a href="/wiki/List_of_online_payment_service_providers" title="List of online payment service providers">List of online payment service providers</a></div> <div class="mw-heading mw-heading2"><h2 id="Regulatory_history">Regulatory history</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Payment_service_provider&action=edit&section=4" title="Edit section: Regulatory history"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <style data-mw-deduplicate="TemplateStyles:r1251242444">.mw-parser-output .ambox{border:1px solid #a2a9b1;border-left:10px solid #36c;background-color:#fbfbfb;box-sizing:border-box}.mw-parser-output .ambox+link+.ambox,.mw-parser-output .ambox+link+style+.ambox,.mw-parser-output .ambox+link+link+.ambox,.mw-parser-output .ambox+.mw-empty-elt+link+.ambox,.mw-parser-output .ambox+.mw-empty-elt+link+style+.ambox,.mw-parser-output .ambox+.mw-empty-elt+link+link+.ambox{margin-top:-1px}html body.mediawiki .mw-parser-output .ambox.mbox-small-left{margin:4px 1em 4px 0;overflow:hidden;width:238px;border-collapse:collapse;font-size:88%;line-height:1.25em}.mw-parser-output .ambox-speedy{border-left:10px solid #b32424;background-color:#fee7e6}.mw-parser-output .ambox-delete{border-left:10px solid #b32424}.mw-parser-output .ambox-content{border-left:10px solid #f28500}.mw-parser-output .ambox-style{border-left:10px solid #fc3}.mw-parser-output .ambox-move{border-left:10px solid #9932cc}.mw-parser-output .ambox-protection{border-left:10px solid #a2a9b1}.mw-parser-output .ambox .mbox-text{border:none;padding:0.25em 0.5em;width:100%}.mw-parser-output .ambox .mbox-image{border:none;padding:2px 0 2px 0.5em;text-align:center}.mw-parser-output .ambox .mbox-imageright{border:none;padding:2px 0.5em 2px 0;text-align:center}.mw-parser-output .ambox .mbox-empty-cell{border:none;padding:0;width:1px}.mw-parser-output .ambox .mbox-image-div{width:52px}@media(min-width:720px){.mw-parser-output .ambox{margin:0 10%}}@media print{body.ns-0 .mw-parser-output .ambox{display:none!important}}</style><table class="box-Globalize plainlinks metadata ambox ambox-content ambox-globalize" role="presentation"><tbody><tr><td class="mbox-image"><div class="mbox-image-div"><span typeof="mw:File"><span><img alt="Globe icon." src="//upload.wikimedia.org/wikipedia/commons/thumb/b/bd/Ambox_globe_content.svg/48px-Ambox_globe_content.svg.png" decoding="async" width="48" height="40" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/commons/thumb/b/bd/Ambox_globe_content.svg/73px-Ambox_globe_content.svg.png 1.5x, //upload.wikimedia.org/wikipedia/commons/thumb/b/bd/Ambox_globe_content.svg/97px-Ambox_globe_content.svg.png 2x" data-file-width="350" data-file-height="290" /></span></span></div></td><td class="mbox-text"><div class="mbox-text-span">The examples and perspective in this article <b>may not represent a <a href="/wiki/Wikipedia:WikiProject_Countering_systemic_bias" title="Wikipedia:WikiProject Countering systemic bias">worldwide view</a> of the subject</b>.<span class="hide-when-compact"> You may <a class="external text" href="https://en.wikipedia.org/w/index.php?title=Payment_service_provider&action=edit">improve this article</a>, discuss the issue on the <a href="/wiki/Talk:Payment_service_provider" title="Talk:Payment service provider">talk page</a>, or <a href="/wiki/Wikipedia:Article_wizard" title="Wikipedia:Article wizard">create a new article</a>, as appropriate.</span> <span class="date-container"><i>(<span class="date">May 2024</span>)</i></span><span class="hide-when-compact"><i> (<small><a href="/wiki/Help:Maintenance_template_removal" title="Help:Maintenance template removal">Learn how and when to remove this message</a></small>)</i></span></div></td></tr></tbody></table> <div class="mw-heading mw-heading3"><h3 id="China">China</h3><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Payment_service_provider&action=edit&section=5" title="Edit section: China"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>In 2010, the <a href="/wiki/People%27s_Bank_of_China" title="People's Bank of China">People's Bank of China</a> issued administrative measures regarding online non-financial payment services.<sup id="cite_ref-:Zhang_8-0" class="reference"><a href="#cite_note-:Zhang-8"><span class="cite-bracket">[</span>8<span class="cite-bracket">]</span></a></sup><sup class="reference nowrap"><span title="Page: 33">: 33 </span></sup> These measures retroactively recognized the legal status of online third-party payment platforms like <a href="/wiki/Alipay" title="Alipay">Alipay</a>.<sup id="cite_ref-:Zhang_8-1" class="reference"><a href="#cite_note-:Zhang-8"><span class="cite-bracket">[</span>8<span class="cite-bracket">]</span></a></sup><sup class="reference nowrap"><span title="Page: 33">: 33 </span></sup> Prior to the 2010 measures, these services existed in a legal grey area.<sup id="cite_ref-:Zhang_8-2" class="reference"><a href="#cite_note-:Zhang-8"><span class="cite-bracket">[</span>8<span class="cite-bracket">]</span></a></sup><sup class="reference nowrap"><span title="Page: 32">: 32 </span></sup> </p> <div class="mw-heading mw-heading2"><h2 id="See_also">See also</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Payment_service_provider&action=edit&section=6" title="Edit section: See also"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <ul><li><a href="/wiki/Payment_gateway" title="Payment gateway">Payment gateway</a></li> <li><a href="/wiki/E-commerce_payment_system" title="E-commerce payment system">E-commerce payment system</a></li> <li><a href="/wiki/Payments_as_a_service" title="Payments as a service">Payments as a service</a></li> <li><a href="/wiki/Payment_processor" title="Payment processor">Payment processor</a></li> <li><a href="/wiki/Unified_Payments_Interface" title="Unified Payments Interface">Unified Payments Interface</a></li></ul> <div class="mw-heading mw-heading2"><h2 id="References">References</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Payment_service_provider&action=edit&section=7" title="Edit section: References"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <style data-mw-deduplicate="TemplateStyles:r1239543626">.mw-parser-output .reflist{margin-bottom:0.5em;list-style-type:decimal}@media screen{.mw-parser-output .reflist{font-size:90%}}.mw-parser-output .reflist .references{font-size:100%;margin-bottom:0;list-style-type:inherit}.mw-parser-output .reflist-columns-2{column-width:30em}.mw-parser-output .reflist-columns-3{column-width:25em}.mw-parser-output .reflist-columns{margin-top:0.3em}.mw-parser-output .reflist-columns ol{margin-top:0}.mw-parser-output .reflist-columns li{page-break-inside:avoid;break-inside:avoid-column}.mw-parser-output .reflist-upper-alpha{list-style-type:upper-alpha}.mw-parser-output .reflist-upper-roman{list-style-type:upper-roman}.mw-parser-output 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.cs1-code{color:inherit;background:inherit;border:none;padding:inherit}.mw-parser-output .cs1-hidden-error{display:none;color:var(--color-error,#d33)}.mw-parser-output .cs1-visible-error{color:var(--color-error,#d33)}.mw-parser-output .cs1-maint{display:none;color:#085;margin-left:0.3em}.mw-parser-output .cs1-kern-left{padding-left:0.2em}.mw-parser-output .cs1-kern-right{padding-right:0.2em}.mw-parser-output .citation .mw-selflink{font-weight:inherit}@media screen{.mw-parser-output .cs1-format{font-size:95%}html.skin-theme-clientpref-night .mw-parser-output .cs1-maint{color:#18911f}}@media screen and (prefers-color-scheme:dark){html.skin-theme-clientpref-os .mw-parser-output .cs1-maint{color:#18911f}}</style><cite class="citation web cs1"><a rel="nofollow" class="external text" href="https://www.dnb.nl/en/sector-information/supervision-sectors/payment-institutions/licensing-requirement-for-payment-service-providers-overview/what-is-a-payment-service-provider/">"What is a payment service provider?"</a>. <i>www.dnb.nl</i><span class="reference-accessdate">. Retrieved <span class="nowrap">2022-09-26</span></span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.genre=unknown&rft.jtitle=www.dnb.nl&rft.atitle=What+is+a+payment+service+provider%3F&rft_id=https%3A%2F%2Fwww.dnb.nl%2Fen%2Fsector-information%2Fsupervision-sectors%2Fpayment-institutions%2Flicensing-requirement-for-payment-service-providers-overview%2Fwhat-is-a-payment-service-provider%2F&rfr_id=info%3Asid%2Fen.wikipedia.org%3APayment+service+provider" class="Z3988"></span></span> </li> <li id="cite_note-2"><span class="mw-cite-backlink"><b><a href="#cite_ref-2">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1"><a rel="nofollow" class="external text" href="https://www.forbes.com/advisor/business/payment-service-provider/">"What Is A Payment Service Provider (PSP)?"</a>. <i>Forbes</i>. August 25, 2022.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.genre=unknown&rft.jtitle=Forbes&rft.atitle=What+Is+A+Payment+Service+Provider+%28PSP%29%3F&rft.date=2022-08-25&rft_id=https%3A%2F%2Fwww.forbes.com%2Fadvisor%2Fbusiness%2Fpayment-service-provider%2F&rfr_id=info%3Asid%2Fen.wikipedia.org%3APayment+service+provider" class="Z3988"></span></span> </li> <li id="cite_note-3"><span class="mw-cite-backlink"><b><a href="#cite_ref-3">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1"><a rel="nofollow" class="external text" href="https://www.zoho.com/finance/essential-business-guides/books/articles/payment-service-providers.html">"What is a PSP or Payment Service Provider? | Definition & Benefits - Zoho Books"</a>. <i>Essential Business Guides</i>. 2019-01-24<span class="reference-accessdate">. Retrieved <span class="nowrap">2022-09-26</span></span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.genre=unknown&rft.jtitle=Essential+Business+Guides&rft.atitle=What+is+a+PSP+or+Payment+Service+Provider%3F+%7C+Definition+%26+Benefits+-+Zoho+Books&rft.date=2019-01-24&rft_id=https%3A%2F%2Fwww.zoho.com%2Ffinance%2Fessential-business-guides%2Fbooks%2Farticles%2Fpayment-service-providers.html&rfr_id=info%3Asid%2Fen.wikipedia.org%3APayment+service+provider" class="Z3988"></span></span> </li> <li id="cite_note-4"><span class="mw-cite-backlink"><b><a href="#cite_ref-4">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1"><a rel="nofollow" class="external text" href="https://ec.europa.eu/info/business-economy-euro/banking-and-finance/consumer-finance-and-payments/payment-services/payment-services_en">"European Commission Payment Services"</a>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=unknown&rft.btitle=European+Commission+Payment+Services&rft_id=https%3A%2F%2Fec.europa.eu%2Finfo%2Fbusiness-economy-euro%2Fbanking-and-finance%2Fconsumer-finance-and-payments%2Fpayment-services%2Fpayment-services_en&rfr_id=info%3Asid%2Fen.wikipedia.org%3APayment+service+provider" class="Z3988"></span></span> </li> <li id="cite_note-5"><span class="mw-cite-backlink"><b><a href="#cite_ref-5">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1"><a rel="nofollow" class="external text" href="https://www.pcicomplianceguide.org/faq/#4">"PCI Compliance Guide Frequently Asked Questions | PCI DSS FAQs"</a>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=unknown&rft.btitle=PCI+Compliance+Guide+Frequently+Asked+Questions+%26%23124%3B+PCI+DSS+FAQs&rft_id=https%3A%2F%2Fwww.pcicomplianceguide.org%2Ffaq%2F%234&rfr_id=info%3Asid%2Fen.wikipedia.org%3APayment+service+provider" class="Z3988"></span></span> </li> <li id="cite_note-6"><span class="mw-cite-backlink"><b><a href="#cite_ref-6">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1"><a rel="nofollow" class="external text" href="https://www.europeanpaymentscouncil.eu/about-us/epc-members/list-epc-members">"European Payments Council Member List"</a>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=unknown&rft.btitle=European+Payments+Council+Member+List&rft_id=https%3A%2F%2Fwww.europeanpaymentscouncil.eu%2Fabout-us%2Fepc-members%2Flist-epc-members&rfr_id=info%3Asid%2Fen.wikipedia.org%3APayment+service+provider" class="Z3988"></span></span> </li> <li id="cite_note-7"><span class="mw-cite-backlink"><b><a href="#cite_ref-7">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1"><a rel="nofollow" class="external text" href="https://www.marketwatch.com/press-release/payment-service-provider-market-share-market-size-growth-by-top-company-region-applications-drivers-trends-and-forecast-2022-2031-2022-07-27">"Payment Service Provider Market: Share, Market Size, Growth By Top Company, Region, Applications, Drivers, Trends and Forecast: 2022-2031"</a>. <i>MarketWatch</i><span class="reference-accessdate">. Retrieved <span class="nowrap">2022-09-26</span></span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.genre=unknown&rft.jtitle=MarketWatch&rft.atitle=Payment+Service+Provider+Market%3A+Share%2C+Market+Size%2C+Growth+By+Top+Company%2C+Region%2C+Applications%2C+Drivers%2C+Trends+and+Forecast%3A+2022-2031&rft_id=https%3A%2F%2Fwww.marketwatch.com%2Fpress-release%2Fpayment-service-provider-market-share-market-size-growth-by-top-company-region-applications-drivers-trends-and-forecast-2022-2031-2022-07-27&rfr_id=info%3Asid%2Fen.wikipedia.org%3APayment+service+provider" class="Z3988"></span></span> </li> <li id="cite_note-:Zhang-8"><span class="mw-cite-backlink">^ <a href="#cite_ref-:Zhang_8-0"><sup><i><b>a</b></i></sup></a> <a href="#cite_ref-:Zhang_8-1"><sup><i><b>b</b></i></sup></a> <a href="#cite_ref-:Zhang_8-2"><sup><i><b>c</b></i></sup></a></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite id="CITEREFZhang2024" class="citation book cs1">Zhang, Angela Huyue (2024). <i>High Wire: How China Regulates Big Tech and Governs Its Economy</i>. <a href="/wiki/Oxford_University_Press" title="Oxford University Press">Oxford University Press</a>. <a href="/wiki/ISBN_(identifier)" class="mw-redirect" title="ISBN (identifier)">ISBN</a> <a href="/wiki/Special:BookSources/9780197682258" title="Special:BookSources/9780197682258"><bdi>9780197682258</bdi></a>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=book&rft.btitle=High+Wire%3A+How+China+Regulates+Big+Tech+and+Governs+Its+Economy&rft.pub=Oxford+University+Press&rft.date=2024&rft.isbn=9780197682258&rft.aulast=Zhang&rft.aufirst=Angela+Huyue&rfr_id=info%3Asid%2Fen.wikipedia.org%3APayment+service+provider" class="Z3988"></span></span> </li> </ol></div></div> <div class="navbox-styles"><style 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providers</a></div></th></tr><tr><th scope="row" class="navbox-group" style="width:1%">Active</th><td class="navbox-list-with-group navbox-list navbox-odd" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/Adyen" title="Adyen">Adyen</a></li> <li><a href="/wiki/Airtel_Payments_Bank" title="Airtel Payments Bank">Airtel Payments Bank</a></li> <li><a href="/wiki/Amazon_Pay" title="Amazon Pay">Amazon Pay</a></li> <li><a href="/wiki/Ant_Group" title="Ant Group">Ant Group</a></li> <li><a href="/wiki/Apple_Inc." title="Apple Inc.">Apple</a> <ul><li><a href="/wiki/Apple_Card" title="Apple Card">Card</a></li> <li><a href="/wiki/Apple_Pay" title="Apple Pay">Pay</a></li> <li><a href="/wiki/Apple_Wallet" title="Apple Wallet">Wallet</a></li></ul></li> <li><a href="/wiki/Atom_Technologies" class="mw-redirect" title="Atom Technologies">Atom</a></li> <li><a href="/wiki/BHIM" title="BHIM">BHIM</a></li> <li><a href="/wiki/BKash" title="BKash">bKash</a></li> <li><a href="/wiki/BillDesk" title="BillDesk">BillDesk</a></li> <li><a href="/wiki/Block,_Inc." title="Block, Inc.">Block</a> <ul><li><a href="/wiki/Afterpay" title="Afterpay">Afterpay</a></li> <li><a href="/wiki/Cash_App" title="Cash App">Cash App</a></li> <li><a href="/wiki/Square_(payment_system)" class="mw-redirect" title="Square (payment system)">Square</a></li></ul></li> <li><a href="/wiki/BPAY" title="BPAY">BPAY</a></li> <li><a href="/wiki/Cashfree_(company)" class="mw-redirect" title="Cashfree (company)">Cashfree</a></li> <li><a href="/wiki/Chase_Paymentech" title="Chase Paymentech">Chase Paymentech</a> <ul><li><a href="/wiki/WePay" title="WePay">WePay</a></li></ul></li> <li><a href="/wiki/CNG_Processing_A/S" title="CNG Processing A/S">CNG</a></li> <li><a href="/wiki/Dwolla" title="Dwolla">Dwolla</a></li> <li><a href="/wiki/Freecharge" title="Freecharge">Freecharge</a></li> <li><a href="/wiki/Global_Payments" title="Global Payments">Global Payments</a></li> <li><a href="/wiki/Gojek#Products" title="Gojek">Gopay</a></li> <li><a href="/wiki/Ingenico" title="Ingenico">Ingenico</a></li> <li><a href="/wiki/Klarna" title="Klarna">Klarna</a></li> <li><a href="/wiki/Mi-Pay" title="Mi-Pay">Mi-Pay</a></li> <li><a href="/wiki/Mir_(payment_system)" title="Mir (payment system)">Mir</a></li> <li><a href="/wiki/MobiKwik" title="MobiKwik">MobiKwik</a></li> <li><a href="/wiki/Nagad" title="Nagad">Nagad</a></li> <li><a href="/wiki/Nexi" title="Nexi">Nexi</a></li> <li><a href="/wiki/Nuvei" title="Nuvei">Nuvei</a></li> <li><a href="/wiki/Opayo" title="Opayo">Opayo</a></li> <li><a href="/wiki/Oxigen_Services" title="Oxigen Services">Oxigen Services</a></li> <li><a href="/wiki/Passport_(company)" title="Passport (company)">Passport</a></li> <li><a href="/wiki/Paya,_Inc." title="Paya, Inc.">Paya</a></li> <li><a href="/wiki/Paymentwall" title="Paymentwall">Paymentwall</a></li> <li><a href="/wiki/Payoneer" title="Payoneer">Payoneer</a></li> <li><a href="/wiki/PayPal" title="PayPal">PayPal</a> <ul><li><a href="/wiki/Braintree_(company)" title="Braintree (company)">Braintree</a></li> <li><a href="/wiki/Zettle" title="Zettle">Zettle</a></li> <li><a href="/wiki/Venmo" title="Venmo">Venmo</a></li> <li><a href="/wiki/Xoom_Corporation" title="Xoom Corporation">Xoom</a></li></ul></li> <li><a href="/wiki/PayPoint" title="PayPoint">PayPoint</a></li> <li><a href="/wiki/Paysafe" title="Paysafe">Paysafe</a> <ul><li><a href="/wiki/Neteller" title="Neteller">Neteller</a></li> <li><a href="/wiki/Openbucks" title="Openbucks">Openbucks</a></li> <li><a href="/wiki/Paysafecard" class="mw-redirect" title="Paysafecard">paysafecard</a></li> <li><a href="/wiki/Skrill" title="Skrill">Skrill</a></li></ul></li> <li><a href="/wiki/Paytm" title="Paytm">Paytm</a></li> <li><a href="/wiki/PayU" title="PayU">PayU</a></li> <li><a href="/wiki/PhonePe" title="PhonePe">PhonePe</a></li> <li><a href="/wiki/POLi_Payments" title="POLi Payments">POLi Payments</a></li> <li><a href="/wiki/QRIS" title="QRIS">QRIS</a></li> <li><a href="/wiki/Quahl" title="Quahl">Quahl</a></li> <li><a href="/wiki/Red_Dot_Payment" title="Red Dot Payment">Red Dot Payment</a></li> <li><a href="/wiki/Remita" title="Remita">Remita</a></li> <li><a href="/wiki/Sarvatra_Technologies" title="Sarvatra Technologies">Sarvatra Technologies</a></li> <li><a href="/wiki/Shift4" title="Shift4">Shift4</a></li> <li><a href="/wiki/Stripe,_Inc." title="Stripe, Inc.">Stripe</a></li> <li><a href="/wiki/Tata_Neu" title="Tata Neu">Tata Neu</a></li> <li><a href="/wiki/Tencent" title="Tencent">Tencent</a></li> <li><a href="/wiki/Verifone" title="Verifone">Verifone</a></li> <li><a href="/wiki/VersaPay" class="mw-redirect" title="VersaPay">VersaPay</a></li> <li><a href="/wiki/Veem" title="Veem">Veem</a></li> <li><a href="/wiki/WebMoney" title="WebMoney">WebMoney</a></li> <li><a href="/wiki/Worldline_SA" title="Worldline SA">Worldline SA</a></li> <li><a href="/wiki/Worldpay,_Inc." title="Worldpay, Inc.">Worldpay, Inc.</a></li> <li><a href="/wiki/YooMoney" title="YooMoney">YooMoney</a></li> <li><a href="/wiki/Zeta_(company)" title="Zeta (company)">Zeta</a></li></ul> </div></td></tr><tr><th scope="row" class="navbox-group" style="width:1%">Defunct</th><td class="navbox-list-with-group navbox-list navbox-even" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/Billpoint" title="Billpoint">Billpoint</a></li> <li><a href="/wiki/C2it" title="C2it">C2it</a></li> <li><a href="/wiki/Clinkle" title="Clinkle">Clinkle</a></li> <li><a href="/wiki/Wirecard" title="Wirecard">Wirecard</a></li> <li><a href="/wiki/PayDirect" title="PayDirect">PayDirect</a></li> <li><a href="/wiki/Qiwi" title="Qiwi">Qiwi</a></li> <li><a href="/wiki/Tez_(software)" title="Tez (software)">Tez</a></li> <li><a href="/wiki/Ukash" title="Ukash">Ukash</a></li> <li><a href="/wiki/Zong_(payments_provider)" title="Zong (payments provider)">Zong</a></li></ul> </div></td></tr><tr><td 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