NETS (company)
Network for Electronic Transfers, colloquially known as NETS, is a Singaporean electronic payment service provider. Founded in 1986 by a consortium of local banks, it aims to establish the debit network and drive the adoption of electronic payments in Singapore. It is owned by DBS Bank, OCBC Bank and United Overseas Bank (UOB).[1]
| Type | Private |
|---|---|
| Industry | EFTPOS, Financial services |
| Founded | 1986 January 18 |
| Headquarters | Singapore |
Area served | Singapore |
Key people | Lawrence Chan (CEO) |
| Products | Payment systems, payment cards, prepaid cards, smart cards, contactless payment, QR code payment, electronic funds transfer, payment and clearing solutions |
| Parent | |
| Website | www |
The NETS Group (comprising NETS, BCS and BCSIS) provides a full suite of payments and financial processing services including direct debit and credit payments at point-of-sale (NETS) and online (eNETS), mobile payments (NETSPay), card services (CashCard, FlashPay card), electronic funds transfer (FAST, Paynow, GIRO) and payment and clearing solutions (Real-Time Gross Settlement, Cheque Truncation System). NETS is also a member of the Asian Payment Network (APN) and a council member of UnionPay International.
History edit
NETS was first introduced to the public on 27 June 1985 as a 2-month pilot project involving 10,000 ATM card holders from the five local banks, namely DBS Bank, OCBC Bank, UOB, POSB Bank and OUB through 64 terminals installed at participating government offices, supermarkets, department stores and petrol kiosks.[2] The service was officially launched on 18 January 1986, allowing 1.3 million ATM card holders to make transactions through the initial NETS network of 195 terminals located in various retail outlets and by 1993, consumer spending through NETS reached S$1.14 billion.[3]
In 2020, NETS Group signed a long-term lease to two full floors and a ground-floor unit, at Boustead Projects' development, 351 on Braddell.[4]
Acceptance edit
NETS operates Singapore's national debit scheme enabling customers of DBS Bank, POSB, HSBC, Maybank, OCBC Bank, Standard Chartered Bank and UOB to make payments using their physical/contactless ATM cards or mobile devices at more than 120,000 acceptance points in Singapore including major retailers, food courts, hawker centres, convenience stores and supermarkets.[citation needed]
The nationwide acceptance infrastructure is the largest in Singapore and includes 54,000 Unified Point-of-Sale (Unified POS) terminals (which accept NETS, NETS FlashPay, debit and credit cards such as VISA, Mastercard, American Express, UnionPay, RuPay and JCB) and 94,000 QR acceptance points (for payments via NETSPay, PayLah!, Pay Anyone and Mighty). In 2011, NETS' debit system was designated as national payment system by the Monetary Authority of Singapore (MAS).[1]
In November 2018, it was announced that NETS can be used at 4,500 acceptance points in Malaysia, allowing users of NETS enabled cards issued by DBS, POSB, OCBC Bank and United Overseas Bank.[5]
Card services edit
CashCard edit
NETS introduced the 1st generation chip-based CashCard in 1995. The CashCard is a stored value card that is predominantly used as a payment mode for Singapore's Electronic Road Pricing (ERP) and car park charges since the introduction of the in-vehicle unit in 1997. The CashCard can also be used for retail purchases.
vCashCard edit
In May 2015, NETS launched vCashCard, a virtual wallet for road tolls payment that allows motorists to drive through Singapore's Electronic Road Pricing (ERP) gantries seamlessly.[6] Road toll payments are automatically charged to their bank accounts or debit/credit cards. With NETS vCashCard, motorists do not need to worry about forgetting to insert a physical CashCard/FlashPay into the in-vehicle unit or having insufficient value in the CashCard/FlashPay and paying unnecessary ERP admin fees. Motorists can sign up for auto top-up service and view their ERP transactions at the vCashCard website or NETS vCashCard app from App Store or Google Play.
Contactless CashCard edit
In May 2018, the 2nd generation contactless CashCard was released. The CEPAS CashCard card is based on the same specifications as the CEPAS FlashPay card, thus both cards can be used interchangeably. The Contactless CashCard was rebranded NETS Motoring Card in March 2021.[7]
FlashPay edit
| Location | Singapore |
|---|---|
| Launched |
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| Technology | |
| Operator | NETS Pte Ltd |
| Manager | TransitLink Pte Ltd |
| Currency | SGD ($500 maximum load) |
| Credit expiry | 7 years |
| Auto recharge | Auto Top-Up by credit/debit card |
| Validity |
|
| Retailed |
|
| Variants |
|
| Website |
|
The Singapore Government launched CEPAS 2.0 (Contactless e-Purse Application), a Singaporean specification of a common standard for electronic money smart card, in 2009. The transit market was opened to more issuers, enabling NETS to participate and subsequently launch the NETS FlashPay card on 9 October 2009.
FlashPay is a multipurpose contactless stored value smart card that can be used for a huge variety of quick payments at/on – MRT/LRT, public buses, taxis, ERP gantries (with the dual-mode in-vehicle unit), car parks (which have been upgraded to accept CEPAS-compliant cards), and 102,000 retail acceptance points island-wide.[8] It is comparable to the Octopus card in Hong Kong. Compared to EZ-Link, FlashPay is accepted at more retail shops, including most convenience stores, supermarkets, and fast food restaurants.
In October 2010, NETS launched the Auto Top Up service for the NETS FlashPay card, allowing commuters to automatically top up the value on their cards to a predetermined amount (S$30, S$40 or S$50) when it runs low or when there is insufficient stored value on the card to make payment at all MRT and LRT stations, public buses, ERP gantries and EPS (upgraded) carparks.[9]
The FlashPay Reader app was released in February 2016 for Android devices with NFC capabilities.[10] It allows topping up of FlashPay cards using NFC-enabled Android phones, with debit cards and credit cards as payment options. Cardholders can also check their card balance, card expiry date, view the last 30 transactions, register for Auto Top-Up by Credit/Debit Card and view RSVP balance with the FlashPay Reader.
Prepaid Card edit
In November 2022, NETS launched the Prepaid Card.[11] Unlike the FlashPay card, the Prepaid Card uses online account based ticketing compatible with SimplyGo. The card can also be used for retail purposes. It is however not compatible with the ERP.
On 10 January 2024, LTA announced that NETS FlashPay cards will no longer be accepted for public transport fare payment from 1 June 2024, due to phasing out of the legacy card-based ticketing system. Commuters with NETS FlashPay Cards may exchange their current card for a free NETS Prepaid Card at SimplyGo Ticket Offices or Ticketing Service Centres.[12][13]
Payment types edit
NETS EFTPOS edit
NETS EFTPOS is a nationwide infrastructure that enables DBS, HSBC, Maybank, OCBC, POSB, UOB and Standard Chartered Bank customers to make purchases at points-of-sale using their ATM cards. The NETS EFTPOS service is available at more than 130,000 acceptance points throughout Singapore.
NETS Unified POS edit
NETS Unified POS was introduced to accept contact/contactless, credit and debit payments on one terminal. The terminal accepts NETS, NETS FlashPay, debit and credit schemes such as VISA, MasterCard, American Express, UnionPay and JCB, cards issued by partnering banks (e.g. BCA bank), as well as NFC-enabled mobile wallets like Apple Pay, Android Pay and Samsung Pay. NETS Unified POS can be integrated with loyalty programmes, prepaid services and point-of-sale via Electronic Cash Register interface.
eNETS edit
eNETS is an online payment gateway services. It enables payment from all major credit cards and currencies as well as Direct Debit (internet banking payments) from the major banks in Singapore and China, including DBS (Singapore and Hong Kong), UOB, OCBC, Citibank and BNU.
NETS eCommerce edit
NETS eCommerce was launched in 2016 to provide a quick and affordable end-to-end solution[buzzword] to set up webstores. The solution[buzzword] is integrated with secured payment options using eNETS Debit and Credit.
NETS Contactless, NETS QR, and NETSPay edit
| Home screen of NETSPay, showing DBS, OCBC and UOB cards provisioned. | |
| Developer(s) | Network for Electronic Transfers Pte Ltd. |
|---|---|
| Initial release | 20 October 2017 |
| Final release | 1.1.25 / October 8, 2023 |
| Platform | Android (NFC, QR code) iOS (QR code) Contactless bank card (NFC) |
| License | Proprietary |
| Website | NETSPay |
NETSPay is a digital wallet app. Launched in October 2017, it introduces 2 new payment options for NETS debit, NETS Contactless and NETS QR. NETS Contactless is supported on Android devices via NFC and HCE, and NETS QR is supported on Android & iOS devices via QR code.
ATM cardholders can digitise their bankcards with the app, replacing the debit card chip and PIN transaction at point-of-sale terminals that have been upgraded to accept contactless and QR code payments. Fingerprint ID or passcode authentication is required to access the app, with a user configurable session timeout. No PIN is required for transactions below $100.
NETS Contactless ATM cards were launched from the first quarter of 2018. In December 2018, NETS Contactless cards issued by DBS/POSB, UOB, OCBC began to be accepted for LTA's public transport account-based ticketing trial.[14] In May 2023, the NETS Contactless functionality was extended to Mastercard and Visa debit cards, in addition to the chip and PIN transaction method.[15]
The NETSPay wallet was discontinued on 1 December 2020 and the NETSPay app was discontinued on 31 October 2023.[16]
SGQR QR payments edit
In September 2018, it was announced that the Singapore government has appointed NETS as the master acquirer to unify and roll out e-payments to all 12,000 stalls at hawker centres, canteens and coffee shops in Singapore.[17] The Government will cover transaction fees of 0.5% payable by merchants until 31 December 2024.[18] The initiative began its roll out to hawker stalls starting from June 2019 under SGQR, a single standardised QR code for e-payments.[19] The participating payment schemes for the NETS unified e-payment system at hawkers centres include: ActiveSG, Alipay, American Express, Singtel Dash, DBS PayLah, Diners Club International, Discover, EZ-Link, GrabPay, SLIDE Wallet, LifeUp Pay, LiquidPay, NETSPay, OCBC PayAnyone, RazerPay, Standard Chartered, UnionPay, UOB Mighty, VIA by Singtel, WeChat Pay, Aby Pay, Shopee Pay, XNAP.[20][21]
In November 2023, the Monetary Authority of Singapore announced a proof of concept for SGQR+, an upgraded version of SGQR that provides interoperability among a wide variety of payment schemes in a convenient and cost-effective way, through a single merchant acquirer. Merchants only need to maintain a relationship with a single preferred primary acquirer to accept multiple payment schemes, instead of multiple acquirers under the existing system.[22][23] Examples of similar integrated QR code payment systems in ASEAN include: QRIS in Indonesia, DuitNow in Malaysia, Thai QR in Thailand. Under the SGQR+ Proof of Concept, the stakeholders include Liquid Group (as Switch Operator) and NETS (as Master Merchant Acquirer).[24] The participating payment schemes for SGQR+ Proof Of Concept include: ActiveSG, Alipay, Alipay+, Changi Pay, Diners, Discover, DuitNow, EZ-Link, GLN, Google Pay (via XNAP), GrabPay, iAPPS, LiquidPay, Mastercard, Moolahgo, NETS, PromptPay, ShopeePay, Singtel Dash, UnionPay, Visa, WeChat, XNAP.[25]
Payment terminals edit
These terminals are issued to retailers to accept NETS debit, NETS FlashPay/CashCard, debit/credit card payments.
| Countertop Model | Pin Pad Model | Retailers | Contactless Payment | QR Code Payment | Remarks |
|---|---|---|---|---|---|
| Verifone VX520 | Verifone 1000SE | Default terminal issued to most retail outlets since 2014. | Yes (might not detect some NFC devices/cards) | Printed on paper roll |
|
| Ingenico ICT220 | Ingenico IPP310 | Most retail outlets with explicit support for NETS QR and NETS Contactless. | Yes | Yes |
|
| Ingenico iWL250 | n/a | Retailers that require a portable terminal. (e.g. fairs, roadshows) | Yes | Yes | |
| Ingenico ISC250 | n/a | 7-Eleven, Isetan, Starbucks Self-checkout counters at Cold Storage, Giant Hypermarket | Yes | Yes | |
| Ingenico ICT250 | n/a | Koufu food court (upgraded outlets) Self-ordering kiosks at Burger King, KFC, KOI Thé, Pepper Lunch, etc. | Yes | Yes | |
| Verifone VX820 | n/a | NTUC Unity Healthcare, Cheers Self-checkout counters at McDonald's, NTUC FairPrice (upgraded outlets) | Yes (might not detect some NFC devices/cards) | Yes | |
| Castles VEGA3000 | n/a | Hawker centres | Yes | Yes | |
| Ingenico Desk 5000 | n/a | This terminal is issued to some retail outlets since 2020-2021. | Yes | Yes | |
| Castles UPT1000F | n/a | This terminal is installed at some carpark gantries since 2022-2023. | Yes | — | |
| Verifone VX680 | n/a | Food Junction | FlashPay RSVP | — |
The launch of NETS QR and NETS Contactless in October 2017 required merchants' payment terminals to undergo a software update, as previously only chip-and-pin NETS debit payment was available. Merchants may display decals in stores to advertise acceptance of QR and contactless payments. Customers can identify if NETS QR and NETS Contactless are accepted by looking at the options listed on the payment terminal's menu.
| Option | Terminal with new firmware (Ingenico ICT220) | Terminal with old firmware (Verifone VX520) |
|---|---|---|
| F1 | NETS FlashPay | NETS FlashPay |
| F2 | NETS (will prompt "Tap/Insert Bank Card") | NETS (will prompt "Insert Bank Card") |
| F3 | Credit Card/UPI | International Card |
| F4 | NETS QR | Credit Card |
On the Castles VEGA3000 and Ingenico Desk/Move5000 terminals issued since late 2022-2023, the "NETS EFTPOS Debit" and "NETS FlashPay" payment modes are combined into a single menu item as "NETS".
Hence, the cashier only has to press a single selection for NETS on the newer terminals, instead of pressing separate selections for NETS EFTPOS Debit and NETS FlashPay payment on previous terminals.[28][29]
For purchase transactions that are not entered manually on the payment terminal, and are generated automatically by some integrated point-of-sale (POS) systems, the payment mode (NETS, NETS FlashPay, NETS QR) still needs to be selected separately on the POS system by the cashier. Auto-generated purchase transactions can be identified by a light blue background on the payment terminal's payment screen.
| Payment Mode | Device Navigation (Ingenico Desk/Move5000) |
|---|---|
| –Enter purchase amount on the terminal –Select "NETS" payment mode –Tap and hold card/smartphone on the terminal for about 5 seconds, until a beep is heard |
| –Enter purchase amount on the terminal –Select "NETS" payment mode –Press "Select to pay by NETS QR" –Scan NETS QR code with NETSPay, DBS PayLah, OCBC PayAnyone, or UOB TMRW mobile app |
Comparison of payment modes edit
Card payments – linked to bank account edit
| Payment Mode | Description | Year Introduced | Registration Requirement | Magnetic Stripe | Chip and PIN | Contactless payment | Top Up Locations |
|---|---|---|---|---|---|---|---|
| • NETS EFTPOS Debit | Direct debit from bank account. | 1985: Magnetic stripe card 2014: EMV card 2017: Contactless card & NETSPay mobile app | The card is tied to user's bank account. | No (deprecated in 2014) | Yes | Yes (With a contactless ATM card at upgraded terminals; some cards still do not have contactless functionality.) (PIN required for ≥ $100) | — |
| • NETS Prepaid Card for SimplyGo (Account-based Online Debit) | Online account-based ticketing wallet, for retail and public transport payments. It functions similarly to the NETS EFTPOS Debit card. As the card information is stored on a central server, the card balance can be topped up without presence of physical card. ✓ It is compatible with the SimplyGo system for remote management of public transport cards. ✗ Fare cost and card balance will not be displayed at the gantry. Commuters have to create an account and sign in to the SimplyGo website or app, to view their travel history and its related fares. ✗ It is not compatible with ERP and carpark payments. | 2022[30] | No | Yes (for transactions ≥ $100) | Yes (No authentication required) | Top-ups can currently only be done online with Visa/Mastercard cards on the NETS mobile app. Top-ups are currently unavailable at self-help machines. |
Card payments – stored-valued cards edit
| Payment Mode | Description | Year Introduced | Registration Requirement | Magnetic Stripe | Chip and PIN | Contactless payment | Top Up Locations |
|---|---|---|---|---|---|---|---|
| • NETS CashCard (1st generation) (Card-based Offline Debit) | Card-based stored-value wallet, superseded by FlashPay/Contactless CashCard/Motoring Card. It is the only stored-valued card which is compatible with 1st gen in-vehicle units and old carpark gantries that have not been upgraded since the release of the CEPAS specification in 2009. | 1995 (discontinued in 2022) | No registration required. Card is transferrable. | No (deprecated in 2014) | Yes (No authentication required) | No | Top-ups can be made with cash or NETS EFTPOS cards.
(* a service fee is chargeable) |
| • NETS FlashPay (also branded as: NETS Motoring Card) (Card-based Offline Debit) | Card-based stored-value wallet, based on CEPAS standard for retail (convenience stores, supermarkets, vending machines, fast food restaurants), public transport, and motoring payments. ✓ It can be used for retail and public transport payments, without remote management functionality. From 1 June 2024, only motoring & retail payments will be available. ✓ Commuters can see their fare cost and card balance at the gantry. ✓ It is compatible with dual mode in-vehicle units for ERP and carpark payments. | 2009: NETS FlashPay 2018: NETS Contactless CashCard (2nd generation) 2021: NETS Motoring Card NETS FlashPay cards are no longer sold at TransitLink Ticket Offices since 15 March 2022, to encourage adoption of the SimplyGo account-based system.[31][32] NETS Motoring cards (with FlashPay payment functionality) are still sold at petrol stations and convenience stores. | No | No | Yes (No authentication required) | Top-ups can be made with cash, NETS EFTPOS cards, Visa/Mastercard/JCB cards.
(* a service fee is chargeable) |
App payments edit
| Payment Mode | Description | Year Introduced | Registration Requirement | Contactless payment | QR code payment | Top Up Locations |
|---|---|---|---|---|---|---|
| • NETSPay | Stores digitised NETS EFTPOS Debit cards. Includes a prepaid wallet for peer-to-peer money transfers and UnionPay support. | 2017 The NETSPay app was discontinued on 31 October 2023.[16] | The card is tied to user's bank account. | Yes (with an NFC-enabled phone at upgraded terminals, PIN required for ≥ $100) | Yes (at upgraded terminals, PIN required for ≥ $100) | Direct deduction from bank account for topping up UnionPay wallet. (discontinued on 1 Dec 2020)[33] |
Online payments edit
| Payment Mode | Description | Year Introduced | Required Information | Stored Payment Details | Supported Platforms | Payment Process |
|---|---|---|---|---|---|---|
| • eNETS | An online payment gateway for online payments via bank account direct debit. It can be used at merchants such as Singapore government services, airlines bookings, bill payments at AXS online. | 2001[34] | • iBanking login details • Hardware token or bank mobile app to authenticate each transaction | No iBanking login & authentication required each time. | Mobile: Web Browser Desktop: Web Browser | While making payment on a merchant's app/website, the user will be redirected to the eNETS website. The user has to login with their iBanking login details and authenticate the transaction with a hardware token or mobile app by the bank. |
| • NETSPay | A digital wallet app that stores digitised NETS EFTPOS Debit cards. It can be used for both physical and online purchases, at merchants such as AXS Payment, Qoo10. | 2017 The NETSPay app was discontinued on 31 October 2023.[16] | • ATM card number (last 4 digits) • NRIC number • SMS OTP verification (one-time setup) | Up to 10 bank cards | Mobile: Android, iOS app. Screen lock required on mobile device. Desktop: Web Browser (needs to be used with mobile device that has the NETSPay app and a camera) | Mobile: While making payment on a merchant's app/website, the user will be automatically redirected to the NETSPay app. For purchases ≥ $100, PIN is required. Desktop: The user has to open the NETSPay app on a mobile device to scan the QR code shown on the website on the desktop computer. |
| • NETS Click | An in-app payment solution for NETS EFTPOS Debit cards. It can be used on merchant apps such as CDG Zig, Singtel Prepaid hi!App, AXS Payment.[35] | 2019 | • ATM card number (last 4 digits) • NRIC number • SMS OTP verification (one-time setup) | Only 1 bank card | Mobile: Merchant apps with NETS Click integration on Android, iOS. Desktop: Unavailable | Mobile: After adding a bank card, the user can make mobile payments on selected merchants' mobile apps with just a click. |
ATM switching services edit
NETS provides local and regional ATM switching services for banks.[36] NETS partnered with Malaysian Electronic Payment System (MEPS) in Malaysia to enable bilateral cross-border ATM withdrawal services, and UnionPay in China to enable its cardholders to make purchases and withdraw cash from ATMs in Singapore. India also made a deal in 2018 wherein Indian RuPay Cards have acceptance in Singapore and same for the Singaporean counterpart in India.
Gallery edit
- Payment Terminals
- NETS Unified POS (Verifone VX520 countertop and Verifone 1000SE pin pad)
- NETS Unified POS (Ingenico IPP310 pin pad)
- NETS Debit on various payment terminals (clockwise from top-left): Verifone VX520, Verifone VX820, Ingenico ICT250, Ingenico ISC250
- NETS menu displayed on an Ingenico iCT250 payment terminal
- NETS QR on an Ingenico ISC250 payment terminal
- Payment Cards/Logos
- Front of a FlashPay card
- Back of a FlashPay card
- NETS Contactless logo
- NETS QR logo
See also edit
References edit
- ^ a b "Clearing and Settlement Systems in Singapore". Monetary Authority of Singapore. Retrieved 23 July 2013.
- ^ Cashless shopping. (1985, June 27). Singapore Monitor, p. 10. Retrieved from NewspaperSG. Accessed on June 3, 2018.
- ^ Nets rings up record $1.14b in consumer spending. The Business Times, p. 2. January 21, 1993. Retrieved from NewspaperSG. Accessed on June 3, 2018.
- ^ "Boustead Projects secures 4 new key tenants in Singapore including NETS and Shopee". sg.news.yahoo.com. 18 October 2020. Retrieved 2021-12-23.
- ^ "Singaporeans can now pay with Nets in JB". AsiaOne. November 19, 2018.
- ^ "LTA | Joint News Release by the Land Transport Authority (LTA) & NETS - More Ways for Cardless ERP Payments!". www.lta.gov.sg. Retrieved 2023-05-04.
- ^ "NETS introduces new NETS Motoring card, aims to 'eventually replace' CashCard". Channel NewsAsia.
- ^ "NETS launches FlashPay card that allows payments for transport, retail services". Channel NewsAsia.
- ^ "NETS auto top up puts the heat on competition". mypaper.
- ^ Motorists can now top up NETS FlashPay, Autopass Cards with credit cards via mobile app
- ^ "NETS launches NETS Prepaid Card: its first 'smart' stored-value card for retail and transit – NETS".
- ^ "Non-SimplyGo EZ-Link, NETS FlashPay cards not valid for public transport from June".
- ^ "EZ-Link Adult Cardholders and NETS FlashPay Cardholders to Transit to SimplyGo for Public Transport Fare Payments by 1 June".
- ^ NETS Contactless Cards in Transit
- ^ "NETS expands contactless payment options for consumers - The Digital Banker". 11 May 2023.
- ^ a b c "NETSPay FAQ – NETS".
- ^ "Nets appointed to run unified e-payment system at hawker centres, canteens and coffee shops in Singapore".
- ^ "Hawkers Go Digital - SMEs Go Digital - IMDA - Infocomm Media Development Authority".
- ^ "Visa, Mastercard, GrabPay, Nets now accepted at over 500 hawker stalls in S'pore".
- ^ .
- ^ "XNAP: Earn credit card rewards at QR-code only merchants".
- ^ "Singapore Quick Response Code (SGQR)".
- ^ "Interoperable QR Payments in Singapore Whitepaper".
- ^ "SGQR+ Proof Of Concept (POC) – NETS".
- ^ "Enhanced QR payment scheme on trial with more scan-and-pay options for merchants and consumers - CNA".
- ^ "RSVP Loyalty Program - CoffeeandToast".
- ^ "Frequently Asked Questions - Eat What You Want - Food Junction".
- ^ "Vega3000 Retail Terminal Guide - NETS" (PDF).
- ^ "Accepting payments with NETS on your Desk/Move5000 terminal - YouTube". YouTube.
- ^ "NETS launches 'smart' stored-value card for retail and transit". 21 November 2022.
- ^ "NETS - Announcements".
- ^ "Singapore's LTA Sees Strong Take-Up of Open-Loop Payments but has No Plans to End Closed Loop - Mobility Payments". 18 January 2023.
- ^ "NETSPay - UnionPay International".
- ^ "NETS - Milestones".
- ^ "NETS - NETS In-App Payment - Hassle-Free Online Mobile Payments".
- ^ . www.asianpaymentnetwork.com. Archived from the original on 2017-02-02. Retrieved 2017-01-24.