Our Capabilities

Through our payments technologies and extensive worldwide networks, we are able to provide secure cash and digital transactions anywhere, anytime in the world. Our capabilities are delivered through our EFT, Ria Money Transfer, Xe, epay, or software solutions team individually or through combinations of these segments that lead to some of the most unique solutions in the industry. This listing includes some of our products and solutions and doesn’t account for the many custom solutions we develop for our customers worldwide. Please contact us for more information.
A B C D E F G H I J K L M N O P Q R S T U V W X Y Z

A

Alternative Payments

Alternative payments include new authentication methods such as finger prints and face IDs and digital wallets such as Alipay, Apple Pay, Amazon Pay, and Google Pay. We can help you meet the demands of your consumers by helping you accept these new mobile-driven alternative payments at your POS terminals or online stores.

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ATMs

We deploy and operate branded ATMs across Europe, Asia, and North America, making cash accessible to consumers on a 24/7 basis in convenient high traffic locations such as airports, shopping malls, and city centres. We are also a top ATM service provider and management company that offers a full range of ATM products, software, and services to fit any need.

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ATM Acquiring for Banks

Our growing number of independent and branded ATMs gives banks an attractive solution to increase their footprint and better serve their customers through custom-built ATM network participation. This service is offered independently or in combination with our ATM outsourcing services offerings.

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ATM Advertising

Whether location-specific or integrated into a regional campaign, our high-traffic ATM sites are the perfect advertising forum, allowing you to further your reach and extend your audience.

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ATM Cardless Cash

We offer even more ways to reach technologically-minded consumers with cardless cash options. Now your customers can make cash withdrawals using only their mobile devices for a convenient and seamless experience.

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ATM Channel Outsourcing

From site selection planning to execution plans, we are able to streamline your ATM channel outsourcing through several strategic services.

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ATM Digital Content Sales

Enrich your user experience and extend to more consumer touchpoints with the ability to purchase digital products and content at our ATMs.

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ATM Foreign Currency Dispense

Meet the needs of a broader group of customers with multicurrency cash withdrawals. Select Euronet ATMs are self-service foreign exchange bureaus, offering even more benefits for international customers.

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ATM Management Software Solutions

Our ATM management software solutions enhance customer engagement, offer advanced functionality, and improve operational efficiencies. Whether you are trying to gain control over a multi-vendor fleet, extend ATM capabilities into revenue generation, migrate transactions from tellers to digital interactions, or launch new features sooner, our ATM software solutions are the right approach to get you there, all from a single source.

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ATM Money Transfer

Our international payment options extend to ATMs, which act as another complementary channel to send and receive cash.

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ATM Outsourcing

We are at the forefront of ATM management technology and offer best-in-class, regulatory compliant, cost-effective service to our customers. By outsourcing ATM operations, institutions can streamline their own processes while better serving consumers with better uptime at a lower cost.

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ATM Pooling

With our extensive network and operations expertise, we offer an ideal partnership for consolidating ATM networks in the countries where we operate.

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ATM Processing

In addition to ATM switching, we manage transaction processing at the ATM level with our state-of-the-art multivendor software technology.

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ATM Switching

Our unique switch technology and gateway services make for smoother and more secure transactions.

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ATM Ticketing

With this service, you can offer consumers the ability to skip long and time consuming queues for their visits in landmark venues and events.

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ATMs with Merchant Cash Fill

Recirculate business cash while providing convenience for your customers with our cost-efficient merchant-fill ATMs.

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B

Bank Integration

Transform your electric funds transfer at point of sale (EFTPOS) system or POS bank system into a full product suite. We are experts in adding enhanced functionality to existing bank hardware, and our software solutions ensure a secure and flawless integration.

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Bill Payments

For customers in the United States, Ria Money Transfer offers a convenient bill payment service. Ria’s catalogue includes more than 3,000 of the largest and most prominent service providers in the US, including Dish Network, Direct TV, AT&T, Comcast and many more.

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C

Card Issuing Software Solutions

Our card issuing software solutions provide a complete array of EMV-compliant debit, credit, and pre-paid card issuance of all major card brands as well as in-house and private label cards. A consolidated dashboard allows for easy management of customer inquiries, daily usage limits, usage time, and invalid PIN entries. Whether you need a single or multi-card solution, our team is ready to get you started.

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Card Outsourcing

We have a quick and effective end-to-end card strategy with internationally and locally certified debit, credit, prepaid and loyalty card programs. Our systems offer versatility along with multiple integration points for improved management and convenience. By utilizing our quick-to-market strategy, our customers secure market share and build a reputation of full-service sophistication.

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Cash Deposits with Automated Deposit Terminals

We have pioneered the independent deployment of Automated Cash Deposit Terminals (ADTs) based on cash recycling. Our automated deposit terminals allow customers to deposit cash conveniently and securely 24 hours a day, seven days a week.

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Cashless Payment Transactions

We are a trusted service provider for secure, cashless payment categories ranging from transport and ticketing recharge to lottery and gaming.

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Check Cashing

In the United States, Ria Money Transfer offers check cashing for most types of checks, including payroll, government, state, income tax refund, VA benefits, welfare, SSI, travellers checks and many more.

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Closed Loop Cards and Corporate Incentives

Build and maintain customer and employee loyalty and incentive by creating your own closed loop promotion cards, saving cards, or compensation cards. With our secure and fully flexible stored value and loyalty platform, we provide all-in-one incentive packages to meet your specific needs.

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Contactless Payments

Adapt your business to new government and health regulations and consumer safety concerns with touchless payment options. Our capabilities include mobile friendly transactions at POS terminals, ATMs, and online stores.

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Cross Border Merchant Acquiring

With our unique technology and value propositions, we support multicountry merchant operations under a single contract and with a fully-managed service model.

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Cross Border Money Transfer

Send money anywhere in the world with Ria Money Transfer. Visit a Ria store or the Ria website. After opening a free account you can transfer money directly to your beneficiary’s bank account, ready for cash pickup at any of our authorized locations, or have it delivered to their door with our home delivery service in selected countries.

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Currency Exchange

Customers can buy and sell foreign currency and cash travelers checks at competitive prices at Ria Money Transfer locations worldwide. Xe also offers currency exchange information online or in its app.

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D

Debit Card Management & Outsourcing

Digital Code Server

The Digital Code Server automates the distribution of PIN codes to the market, using an API toolset to connect to retailers and aggregators. The DCS solution also manages brand assets so that retailers and aggregators can access and download card art, fact sheets, terms and conditions and promotional materials in real time 24/7.

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Digital Content Distribution

We offer brands and digital content providers a first-class retail network for distribution of gift cards on Point of Sale (POS) terminals worldwide. POS options include our web-based solution, customized integration solutions and a variety of stand-alone terminals.

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Distributor Reporting

For prepaid content providers, our customized distributor portal allows you to view invoices, manage discounts, monitor sales and generate a wide variety of reports to make sure you stay one step ahead.

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Dynamic Currency Conversion Software

Acquirers, ATM deployers, POS, and e-commerce payment providers create new revenue streams by offering a service that is designed for travelers. Our dynamic currency conversion (DCC) software supports virtually all issuer currencies, and is compatible with Visa and MasterCard networks. Consumers with foreign-issued cards are offered currency exchange services at the point of interaction and are provided immediate actual transaction costs. Our DCC solution is designed to give consumers choice, transparency, peace of mind, and budgeting convenience.

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Dynamic Renewal Engine

The Dynamic Renewal Engine provides retailers a way to enroll consumers in recurring billing programs. Such programs include annual or monthly software subscriptions and monthly/annual hardware warranty services.

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E

eCommerce

We offer a wide selection of secure payment methods as well as accounts receivable and risk management features to help you boost your online business results.

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G

Gift Card Services and Merchandising

We offer gift card fulfillment services for the most popular brands in music, gaming, shopping and software. We provide retailers with the tools to issue their own store-branded gift cards and high- quality, eye-catching products designed to boost your sales.

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I

Independent Wireless Dealer and Pre-Paid Mobile Solutions

Get maximum flexibility and full cost control with our prepaid mobile products and services. We partner with more than 200 mobile operators and offer our product portfolio of trend-setting solutions to retailers and consumers in 45 countries.

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Intelligent Switching Platform for Retailers

The Intelligent Switching Platform (ISP) combines many disparate retailer services such as bill payment, money transfer, money orders, prepaid mobile top ups, cash load, warranty services and product renewals into one seamless user interface. For payments switching, see the REN Foundation.

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International Payments and Foreign Currency Needs

Our Xe division helps businesses and individuals get the most for their money when making an international payment through bank-beating exchange rates and market-leading customer service.

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Internet Banking and Mobile Software Solutions

We understand that today’s consumers expect access to their funds around the clock and from any location. Our self-service web-based and mobile solutions empower financial institutions and their customers with account access whenever and wherever their busy lives take them, all while keeping their data secure.

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L

Logistics, Marketing, and Merchandising

For our retail partners, our epay division provides an extensive set of services to support our digital solutions including logistics (for delivery of physical goods such as gift cards), design of marketing materials, implementation of custom marketing concepts, and advice on placement of products to maximize your sales potential.

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M

Merchant Acquiring

Our merchant acquiring service is made possible through our own acquiring license and principal membership with International Card Organizations (ICO). With a single contact point, we enable payment acceptance and settlements on physical retail locations or through digital channels.

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Merchant Management Software Solutions

Our suite of merchant management software delivers a comprehensive solution designed to provide banks with end-to-end merchant acquiring functionality. Manage merchant relationships, set and process transaction fees and commissions, and track point-of-sale activity in single or multi-institution environments. From POS banking to inventory tracking, immediate merchant payment, profile-driven fraud controls, and online real-time merchant activity inquiries, we provide the tools to optimize your acquiring business.

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Mobile Operator Solutions

Our epay division offers mobile operators visibility over their business with business intelligence tools that show distribution and the ability to drill down in the results to make sure there is adequate market coverage without the oversaturation that hurts dealer profitability. Tools built into the solution provide dynamic commissioning to better compensate high performing dealers and allow passing on lower commissions to non-activating or poor performing dealers. The Mobile Operator Solution also has an advanced commission engine to accurately and timely pay dealer activation commissions.

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Mobile Top-Up

We have mobile top-up services covered for consumers and businesses. Top a phone off and buy minutes at any participating authorized Ria Money Transfer location. epay offers solutions and programs for independent wireless dealers and mobile operators. Partnerships with leading mobile operators in our EFT segment allow us to offer the option to load prepaid cards or perform mobile top-up at an ATM.

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Money Transfer

Ria Money Transfer allows customers to send money conveniently online, 24/7, to more than 400,000 locations in 150 countries worldwide. Xe also empowers individuals and businesses to make international payments and money transfers.

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Multi-Currency Payments

Our multi-currency pricing product creates an avenue for merchants to accept online payments in more than 150 currencies without any foreign currency exchange risk. Cardholders appreciate the certainty of knowing exactly how much a purchase will cost them at the time of sale while merchants can extend to a wider customer base.

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Multiple Engagement Models

We work together with customers and financial institutions to tailor services to their specific needs. We leverage our operational know-how and proprietary technologies and tools to offer the most benefits to our partners and their customers.

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O

Omnichannel Transaction Technology

Our epay division provides transactions for any consumer need including EAN scan, magnetic stripe, prepaid terminals (analogue, ISDN, LAN, GSM, GPRS), activation of gift cards, direct charging of prepaid credit, and PIN printing.

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Online Shops

Secure your payment processing and operate your business online with our comprehensive full-service online shop system with a wide variety of common payment methods.

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P

Payments Software Solutions

As one of the world’s largest processors, ATM deployers, and payment services providers, we build and run our suite of software solutions in our own production environments. Decades of industry knowledge and operational expertise are bundled into each solution, ensuring software you can depend on to stand the test of time.

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POS Outsourcing

Our portfolio of services addresses all elements of the POS acquisition and operation process. Our partners benefit from a one-stop approach that covers the provision of POS terminals, fully managed services and maintenance, timely settlement of funds, and a variety of value-added services that enhance the user experience.

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POS Services Consolidation

We consolidate all POS needs into a single contact so a retailer no longer has to manage multiple vendors. Our flexible, scalable, leading-edge IT and POS platform services meet our customers’ needs while boosting their bottom lines.

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Prepaid Debit Card Management & Outsourcing

Our end-to-end solution for multi-purpose, multi-currency prepaid/gift cards provides increased versatility and fast go-to-market strategies that highly benefit our partners.

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POS Processing

Because of our global leading position, we can effortlessly meet your needs by accessing a continuous contingent of alternatives, options, and creative enhancements to the technical and commercial processing at the POS.

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Processor Software Solutions

Our open and scalable processor software solutions allow you to quickly set up and maintain participants, connect to any regional and international card network, accommodate variable cut-off times and conduct end-of-day processing faster with flexible integration to leverage investments and streamline end-to-end solutions.

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R

Real-Time Payments

We offer solutions for connecting financial institutions to the real-time payments networks in their country with REN Connect as well as a core processing solution for real-time payments clearing houses with REN RTP.

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REN Connect

REN Connect enables financial institutions, FinTechs, and other businesses to quickly and easily connect to the real time payments (RTP) network in their country.

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REN Ecosystem

The REN Ecosystem encompasses all of our physical and digital assets including our software solutions, payments platforms, worldwide networks, ATMs, POS terminals, and money transfer locations.

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REN Foundation

The REN Foundation is software we provide to financial institutions and central banks that enables them to build modern digital payments solutions for their customers in parallel with their legacy system. The REN Foundation is a singular solution built from the ground up with modern programming languages and promotes an approach of incremental innovation for legacy systems rather than expensive rip-and-replace alternatives. Its intelligent switching capabilities are comprised of an extensible messaging format that accomodates any data type (binary, images, biometrics, QR codes, etc.) and adaptive routing that assesses system resources to ensure the fastest transaction possible.

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REN RTP

REN RTP is a core processing system for countries and central banks who wish to provide a real-time payments service for its consumers. REN RTP provides the modern architecture required to deliver 100% uptime, scalable transactions, extensive messaging format compatibility, and settlement abilities required by RTP clearing houses in addition to interoperability with disparate legacy systems that must be maintained.

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Retail Consulting

Meet the needs of today’s retail customer with a quick and easy purchasing process. No matter your business model, we can help you become a prepaid destination by providing your business with the optimal means for product distribution and payment facilitation.

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REV Payments Cloud

The REV Payments Cloud provides development teams at FinTechs, financial institutions, and retailers with API access to our networks and assets so they can quickly create more valuable services for their own customers. The REV Payments Cloud provides these businesses with the ability to add money transfers, digital content downloads, ATM interaction, and other ”sticky“ content and functionality from our worldwide catalog of solutions to their apps and websites.

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S

Switching Software Solutions

Euronet’s state-of-the-art switching software has wide-ranging functions to accommodate any regional and international card network, support network participant agreements, and integrate with clearing network connections. Our solution allows you to anticipate transaction disposition in real-time, enabling more cutoffs throughout the day and faster end-of-day closing. Includes H2H, fraud interfaces, reporting, online audit, transaction blocking and is EMV enabled. For switching software that is installed in an on-premise data center, see the REN Foundation.

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T

Tax Refund

Euronet offers tax refund services that, when combined with our Merchant Acquiring offering, create a one-stop-shop service that addresses the growing international travel customer segment and enhances the consumer experience at the point of purchase.

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Touchless Payments

Adapt your business to new government and health regulations and consumer safety concerns with touchless payment options. Our capabilities include mobile friendly transactions at POS terminals, ATMs, and online stores.

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