services - Credit Card Processing

Concord EFS, Inc. (NYSE: CE) is a vertically-integrated electronic transaction processor, providing transaction authorization, data capture, settlement and funds transfer services to multiple market segments. Concord’s primary activities include providing credit, debit, check authorization and electronic benefits transfer (EBT) processing services to financial institutions, associations, supermarkets, petroleum/convenience stores and other retailers; and providing gateway processing, ATM driving and STARsm Network access to the financial services industry. Concord also provides electronic payment and payroll services to trucking companies, truck stops and other niche segments of the market. Concord is a full service provider, offering front- and back-end EFT services, hardware, communications, training, support and maintenance. In 1996, Concord was named the best-performing company for the prior 10 years from among the 1,000 corporations traded and listed on the Wall Street Journal's Shareholder Scoreboard. Today, Concord is a recognized leader in credit, debit and EBT processing, with special expertise in the financial institution, supermarket, retail, convenience store and fleet management areas of electronic payment services.

In 2001, Concord acquired Star Systems® (STARsm), another leader in electronic transaction processing. Together, Concord and STAR have over a half-century of experience in providing electronic solutions to businesses. Concord, the leading EFT processor in the U.S., serves leaders in the financial institution, petroleum, convenience store, supermarket, major retail, and hospitality markets. Today, Concord is the nation's largest ATM terminal driver (55,000+) as well as a leading debit and EBT transaction acquirer. Concord also owns and operates the STAR Network, consolidating the MAC and Cash Station networks under the STAR brand, resulting in the largest ATM/Debit network serving over 6,500 Financial Institutions.

Headquartered in Memphis, TN, Concord has data centers in Memphis, TN; Wilmington, DE; Atlanta, GA; Maitland, FL; Elk Grove, IL; and a development office in Pleasanton, CA.

Concord’s leadership in electronic payment processing extends well beyond the hundreds of thousands of ATMs and POS terminals we support nationwide. It is evident in our:

Complete packaging to support lease line, frame relay, VSAT or dial up ATM deployment.
100+ retail point of sale applications we currently support
Extensive gateway services offering over twenty (20) on-line debit networks such as STAR and Interlink, as well as VISA, MasterCard, American Express, Discover, Diners Club and JCB.
Electronic Benefits Transfer (EBT) for all states offering on-line EBT.
Check authorization (STAR CHEK®/SCAN) and check guarantee (Certegy).
Payroll services for companies with one to one thousand employees.