Pago eTransaction Services GmbH (Cologne, Germany) is an international Acquiring & Payment Service Provider for E-Commerce businesses, shops (point-of-sale) and mail-order business. Pago enables its clients to receive payments for their goods and services securely and fast through electronic channels.

The globally unique integration of credit card acquiring and payment processing enables Pago to allow businesses of all shapes and sizes to use all internationally and nationally relevant payment methods. The range of payment methods includes Visa and MasterCard, American Express, Diners Club, JCB, Switch/Solo as well as locally used direct debit methods. Pago is also a licensed Visa and MasterCard acquirer for Europe - from Finland to Malta, from Ireland to Turkey, including all the new states of the European union.

Overview

	Pago Platform
	Pago Report
	Value Added Services
	Pago Service Range in Detail
	History and Milestones

Pago Platform

All payment transactions are processed through the Pago platform, which was established in 2000 and has been continuously enhanced sincs reflecting clients' needs. This technological stadndard offers assured quality, integrated transaction security, optimal efficiency and maximum system availability.

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Pago Report

Pago and all its staff members not only have the necessary know-how and vast experience in international e-Payment, but are familiar with the specific demands of our customers' individual industries. All of this is incorporated into the Pago Report, which is based on the analysis of real purchasing transactions. This comprehensive report, published annually since 2002, provides experts throughout the world with unique data on e-Commerce and e-Payment in Europe.

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Value Added Services

Pago also offers sophisticated and reliable risk management services, which minimize the risk of bad debt significantly, and in so doing help to secure merchants' businesses. Using our unique Client Services, clients have full access to and transparency of all transactions and can initiate appropriate action immediately from within their web browser. Moreover Pago Client Service supports all Pago partners and clients with advice and help whenever required.

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Pago Range of Services in Detail

Pago is an acquirer for Visa and MasterCard throughout Europe and is a processor for American Express, Diners Club, Switch / Solo and JCB. Moreover Pago processes direct debit transactions from Germany, Austria and the Netherlands. German consumers can also use Pago's own Online Bank Transfer, an innovative payment method based on homebanking procedures.

Pago's risk management services protect merchants against bad debt risks. These services range from Pago Account Check, Address Verification Service (Pago AVS), Verified by Visa and MasterCard Secure Code to Pago Fraud Screening, a comprehensive service for credit card transactions.

Transparency, quality and support are provided by Client Services. Using our unique Online Reporting (Pago BIS, Pago CIS and Pago WebDebtor) Pago clients have access to full transparency of all transactions.

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History and Milestones

Pago was founded in 1999 and is a Deutsche Bank AG and Beisheim Holding Schweiz AG company, offering its services through a global network of partners. At present Pago has over 5.700 active online-shop connections. Among its clients are more than 780 companies from various industries including: e-Retailing, telecommunications and travel. (eff. April 2005)

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