Thursday, November 18, 2010

Zogby Poll: 64% of Americans Abandoned an Online Purchase Due to Security Concerns



Majority of Americans Have Abandoned an Online Purchase Due to Security Concerns, Poll Finds


National Cyber Security Alliance Urges Online Shoppers to "Stop. Think. Connect.," Recommends Internet Safety Tips for Holiday Season

WASHINGTONNov. 18, 2010 /PRNewswire/ -- As the holiday shopping season and Cyber Monday approaches, a growing majority of Americans – 64 percent – report they have not made an online purchase from a specific website because of security concerns, according to a national poll released today by the National Cyber Security Alliance (NCSA).
When asked to explain why they did not make that purchase, 60 percent said it was because they were not sure if the site was secure, 51.4 percent were worried about providing information requested, and 48.4 percent felt a website requested more information than was necessary for the transaction. Respondents were given the option to pick more than one reason. Zogby International conducted the poll for NCSA.
"The Internet is a fabulous, convenient resource for gift givers to get a jumpstart on their holiday shopping and bargain hunting, but people need to stay aware and alert about the risks," said NCSA Executive Director Michael Kaiser. "If there is any doubt about the security or authenticity of a website, hold off making the purchase."
Despite some security concerns, online shopping is a popular activity for Americans. The poll found that 69.3 percent research potential purchases over the Internet, 68 percent make purchases online, 62.4 percent make online payments, and 38 percent buy goods from online auction sites.
As a new area for security awareness, more Americans are shopping from their mobile phones, with those making online payments doubling to 8 percent from last year. Those researching potential purchases from their phones also grew to 16 percent, up from 9 percent in 2009. A recent study published by NCSA and Norton by Symantec found that 87 percent of Americans felt safer going online with their PCs than with their phones, spotlighting, new opportunities for consumer and industry awareness with the growth of mobile devices.
"Businesses should take note: online customers are looking to make purchases where they see signs that a website is secure, have a clear understanding of how information collected about them is going to be used, and only information necessary to the transaction is being collected," Kaiser added. "Online shoppers are being smarter and safer online, and that's good for everyone."
Stop. Think. Connect.
As we prepare for Cyber Monday and a holiday season of shopping online, NCSA advises that everyone take a moment to practice "Stop. Think. Connect." The first coordinated online safety message adopted by a large coalition of government, industry and nonprofit organizations, "Stop. Think. Connect." applies to everyone who connects to the Internet, whether from laptops, personal computers, mobile phones, or gaming consoles. Before you connect to the Internet, take a moment to evaluate that you're prepared to share information or engage in a larger community. This will bring an increased sense of personal security, confidence, and peace of mind.
"Stop. Think. Connect." is a good habit for shopping online this holiday season. To help consumers adopt this practice, NCSA offers four tips for consumers to better remain safe and secure while buying gifts online:
  1. Keep a Clean Machine. Check to make sure that all software, especially security, Web browsers and operating systems, are up to date and set to update automatically.
  2. Protect Your Personal Information. When opening new accounts, use long and strong passwords. Only provide the minimal amount of information needed to complete a transaction. When providing personal information for any purchase or other reason, ensure that you know who is asking for the information, and why the need it.
  3. Connect with Care: When shopping, check to be sure a website is security enabled. Look for web addresses with "https://" or "shttp://," which means the site takes extra measures to help secure your information during financial transactions. Be wary of holiday shopping efforts to lure you. Cyber crooks will adjust to the holiday season, trying to get you to click through to deals that may appear to good to be true. They may also try to trick you by sending emails that something has gone wrong with an online purchase.
  4. Be Web Wise: Research sellers before a first time purchase from a merchant (or auction seller) new to you. Search to see how others have rated them, and check their reviews. Do these things even if you are a return customer, as reputations can change.

About the Poll
Zogby/463 conducted an online survey for NCSA between October 1 and October 5, 2010, with a sample size of 3,498 U.S. adults and margin of error +/- 1.7 percent. The sample is representative of the U.S. population.
About The National Cyber Security Alliance
The National Cyber Security Alliance is a non-profit organization. Through collaboration with the government, corporate, non-profit and academic sectors, the mission of the NCSA is to empower a digital citizenry to use the Internet securely and safely protecting themselves and the technology they use and the digital assets we all share. NCSA works to create a culture of cyber security and safety through education and awareness activities. Visit www.staysafeonline.org for more information.  NCSA board members include: ADP, AT&T, EMC Corporation, Cisco Systems, General Dynamics Advanced Information Systems, Google, Lockheed Martin Information Systems & Global Services, McAfee, Microsoft, PayPal, Science Applications International Corporation (SAIC), Symantec, Verizon and Visa.
About Stop. Think. Connect.
Stop. Think. Connect.™ is the first-ever coordinated message to help all digital citizens stay safer and more secure online. The message was created by an unprecedented coalition of private companies, non-profits and government organizations. The Anti-Phishing Working Group (APWG) and National Cyber Security Alliance (NCSA) led the effort to find a unified online safety message that could be adopted across public and private sectors. The campaign hopes to achieve for online safety awareness what "Smokey Bear" did for forest fire safety and "Click It or Ticket" did for seatbelt safety, more information can be found at www.stopthinkconnect.org.
SOURCE National Cyber Security Alliance

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First Tennessee Cash Rewards Program to Provide Cash Back for Debit and Credit Card In-Store and Online Purchases


Source: First Horizon National Corporation
LogoMEMPHIS, Tenn., Nov. 18, 2010 (GLOBE NEWSWIRE) -- First Tennessee Bank, a subsidiary of First Horizon National Corp. (NYSE:FHN), today announced the launch of First Tennessee Cash Rewards, a free rewards program that provides cash back when customers use their qualifying First Tennessee debit and credit cards at participating retailers online and in their neighborhoods. The kick-off date is Nov. 18.

Qualifying First Tennessee debit and credit cards will be automatically enrolled in First Tennessee Cash Rewards. By using their cards at any of the nearly 500 participating local and national retailers in stores or online, First Tennessee debit and credit cardholders can earn between 1 percent and 10 percent cash back on every purchase.

"This initiative not only allows our customers to earn cash back for purchases made with their qualifying First Tennessee cards, but it also drives business to participating local and national merchants," said Jan Reisman, vice president and debit card product manager for First Tennessee. "We're always looking for ways we can offer advanced products and valuable services to our customers, and the First Tennessee Cash Rewards program will make it easy for our customers to earn cash back while benefitting many businesses in our Tennessee communities."

More details on the First Tennessee Cash Rewards program can be found atwww.ftbcashrewards.com. Affinity Solutions (www.affinitysolutions.com), the leading provider of differentiated merchant-funded rewards programs, developed and manages the program.

About First Tennessee
First Tennessee is part of the First Horizon National Corp. (NYSE:FHN) family of companies. The 5,500 employees of First Horizon provide financial services through more than 180 First Tennessee Bank locations in and around Tennessee and 18 FTN Financial Group offices in the U.S. and abroad. First Tennessee has the leading combined market deposit share in the counties where it does business and one of the highest customer retention rates of any bank in the country. FTN Financial is an industry leader in fixed income sales, trading and strategies for institutional clients in the U.S. and abroad. FHN has been recognized as one of the nation's best employers by AARP and Working Mother magazines.  More information can be found atwww.firsttennessee.com.
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Could Brands Improve Their Outreach to Bloggers?

According to eMarketer, bloggers may be doing less than in the past to promote products and services on their site, and many think that brands are not treating them well. Better blogger outreach could be in order.


Full Article


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Cybera Joins PCI Security Standards Council


Cybera Joins PCI Security Standards Council as Newest Participating Organization

Cybera to Participate in Key Standards Setting Body Protecting Payment Cardholder Data
http://www.cybera.netNASHVILLE, Tenn.--(BUSINESS WIRE)--Cybera, a leading data security and PCI (payment card industry) compliance solution provider, has joined the PCI Security Standards Council as a new participating organization. As a Participating Organization, Cybera will work with the Council to evolve the PCI Data Security Standard (DSS) and other payment card data protection standards.
“Since 2001, Cybera’s mission has been to protect customer data. As a trusted PCI compliance solutions partner to merchants, simplifying the process of securing payment cardholder data is our top priority.”
The PCI DSS, endorsed by American Express, Discover Financial Services, JCB International, MasterCard Worldwide and Visa Inc., requires merchants and service providers that store, process or transmit customer payment card data to adhere to information security controls and processes that ensure data integrity. More information on the council and the standard can be found at www.pcisecuritystandards.org.
As a Participating Organization, Cybera will now have access to the latest payment card security standards from the Council, be able to provide feedback on the standards and become part of a growing community that now includes more than 600 organizations. In an era of increasingly sophisticated attacks on systems, adhering to the PCI DSS represents an entity’s best protection against data criminals. By joining as a Participating Organization, Cybera is adding its voice to the process.
“The PCI Security Standards Council is committed to helping everyone involved in the payment chain protect consumer payment data,” said Bob Russo, general manager of the PCI Security Standards Council. “By participating in the standards setting process, Cybera demonstrates it is playing an active part in this important end goal.”
“PCI compliance is critical for the security of customers and the protection of merchants,” said Cliff Duffey, President and CEO of Cybera. “Since 2001, Cybera’s mission has been to protect customer data. As a trusted PCI compliance solutions partner to merchants, simplifying the process of securing payment cardholder data is our top priority.”
About PCI Security Standards Council
The mission of the PCI Security Standards Council is to enhance payment account security by driving education and awareness of PCI security standards. Visit www.pcisecuritystandards.org for information.
Cybera is the leading provider of data security and PCI compliance solutions to merchants and enterprise customers in the retail and restaurant industries. Cybera’s ClearPCI solutions serve customers ranging from small businesses to large multi-national corporations with locations numbering in the tens of thousands. Cybera has been named to the Inc. 5000 for four consecutive years, the Deloitte Technology Fast 500 for two consecutive years and has won numerous industry awards. To find out why businesses trust Cybera and ClearPCI for security and PCI compliance solutions, please visit www.ClearPCI.com or call (877) 5PCINOW.

Contacts

Cybera, Inc.
Misty Mitchell, 615-301-2340
misty.mitchell@cybera.net
or
PCI Security Standards Council
Laura K. Johnson, 781-876-6250
press@pcisecuritystandards.org
Permalink: http://www.businesswire.com/news/home/20101118005293/en/Cybera-Joins-PCI-Security-Standards-Council-Newest





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Six Law Firms Investigate Sale of Hypercom to Verifone


View Press Release
11/17/2010 - 08:31 AM



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First Data Announces Private Debt Exchange Offers for Certain of its Debt Securities

Image representing First Data Corp as depicted...Image via CrunchBase
ATLANTA--(BUSINESS WIRE)--First Data Corporation (“First Data” or the “Company”) announced today the commencement of private offers to exchange (the “Exchange Offers”) its notes of the series listed in the table below (collectively, the “Old Notes” and each, an “Issue” of Old Notes), subject to the Maximum Exchange Amount (as defined below), for the new securities, which will be payable (i) 50% in new 8.25% Senior Second Lien Notes due 2021 (the “New Cash-Pay Second Lien Notes”) or, at the election of each holder tendering on or prior to the Early Tender Date (as defined below) and subject to the Minimum New PIK Toggle Amount and the Maximum New PIK Toggle Amount (each as defined below), in new 8.75/10.00% PIK Toggle Senior Second Lien Notes due 2022 (the “New PIK Toggle Second Lien Notes” and, together with the New Cash-Pay Second Lien Notes, the “New Second Lien Notes”), and (ii) 50% in new 12.625% Senior Notes due 2021 (the “New Unsecured Notes” and, together with the New Second Lien Notes, the “New Notes”). In addition, holders whose Old Notes are exchanged in the Exchange Offers will receive accrued and unpaid interest in cash in respect of their exchanged Old Notes from the last applicable interest payment date to, but not including, the settlement date for the Exchange Offers (the “Settlement Date”). The maximum aggregate principal amount of New Notes issued in the Exchange Offers will not exceed $5.5 billion (the “Maximum Exchange Amount”).
The New Notes will be issued by First Data and guaranteed by substantially all of its domestic subsidiaries. The New Second Lien Notes will be secured on a second-priority lien basis by substantially all the domestic assets owned by the Company and subsidiary guarantors of the New Notes to the extent such assets secure obligations under First Data’s senior secured credit facility and existing senior secured notes.
The table below lists the series of Old Notes that are the subject of the Exchange Offers and summarizes certain terms of the Exchange Offers.
        
First Data Corporation Old
Notes to be Exchanged
CUSIP
Nos.
Outstanding
Aggregate
Principal
Amount (in
millions)
Total Consideration Amount for
each $1,000 Principal Amount of
Old Notes Tendered on or Prior to
the Early Tender Date (1)
Exchange Consideration Amount for
each $1,000 Principal Amount of Old
Notes Tendered After the Early Tender
Date (1)
 
9.875% Senior Notes due 2015
 (the “Old Cash-Pay Notes”)
319963AR5
319963AP9
319963AQ7
319963AN4
$3,750
$1,000 principal amount of New
Notes, consisting of
$500 of New Second Lien Notes (2)
and
$500 of New Unsecured Notes
$970 principal amount of New
Notes, consisting of
$485 of New Cash-Pay Second Lien Notes
and
$485 of New Unsecured Notes
 
10.550% Senior PIK Notes
 due 2015 (the “Old PIK
 Notes”)

319963AT1
319963AS3
$3,710
$1,000 principal amount of New
Notes, consisting of
$500 of New Second Lien Notes (2)
and
$500 of New Unsecured Notes
$970 principal amount of New
Notes, consisting of
$485 of New Cash-Pay Second Lien Notes
and
$485 of New Unsecured Notes
 
(1) The aggregate principal amount of New Second Lien Notes and New Unsecured Notes issued in the Exchange Offers will not exceed $5.5 billion.
(2) Consisting of New Cash-Pay Second Lien Notes and/or New PIK Toggle Second Lien Notes, depending on the election of the tendering holder and subject to the Minimum New PIK Toggle Amount and the Maximum New PIK Toggle Amount (each as defined below), initially $500.0 million and $1.0 billion, respectively.
Holders whose Old Notes are validly tendered on or prior to 5:00 p.m., New York City time, on December 1, 2010 (such time and date, as the same may be extended, the “Early Tender Date”) will receive, in respect of each $1,000 principal amount of Old Notes accepted for exchange, $1,000 principal amount of New Notes, consisting of (i) $500 principal amount of New Second Lien Notes in the form of either (a) New Cash-Pay Second Lien Notes or (b) at each holder’s election and subject to the Minimum New PIK Toggle Amount and the Maximum New PIK Toggle Amount, New PIK Toggle Second Lien Notes, and (ii) $500 principal amount of New Unsecured Notes (the “Total Consideration”). Holders whose Old Notes are validly tendered after the Early Tender Date but on or prior to midnight, New York City time, on December 15, 2010 (such time and date, as the same may be extended, the “Expiration Date”) will receive, in respect of each $1,000 principal amount of Old Notes accepted for exchange, $970 principal amount of New Notes, consisting of (i) $485 principal amount of New Cash-Pay Second Lien Notes and (ii) $485 principal amount of New Unsecured Notes (the “Exchange Offer Consideration”). In order to be eligible to receive the maximum principal amount of New Notes offered in the Exchange Offers or to receive any New PIK Toggle Second Lien Notes, holders must validly tender (and not validly withdraw) their Old Notes on or prior to the Early Tender Date. Holders tendering after the Early Tender Date may not elect to receive New PIK Toggle Second Lien Notes.
The maximum aggregate principal amount of New Notes issued in the Exchange Offers will not exceed $5.5 billion. The maximum aggregate principal amount of each Issue of Old Notes that will be accepted for exchange is the outstanding aggregate principal amount of such Issue validly tendered (and not validly withdrawn), as limited by the Maximum Exchange Amount and the prorations, if necessary, resulting therefrom (as such prorations are described in the Offering Memorandum dated November 17, 2010 relating to the Exchange Offers (the “Offering Memorandum”)).
The maximum aggregate principal amount of New PIK Toggle Second Lien Notes issued in the Exchange Offers will not exceed $1.0 billion (the “Maximum New PIK Toggle Amount”). Holders whose Old Notes are validly tendered (and not validly withdrawn) on or prior to the Early Tender Date may elect to receive New Second Lien Notes in the form of New PIK Toggle Second Lien Notes (a “PIK Toggle Election”), provided that no New PIK Toggle Second Lien Notes will be issued unless PIK Toggle Elections would result in the issuance of at least $500 million aggregate principal amount of New PIK Toggle Second Lien Notes (the “Minimum New PIK Toggle Amount”). If the Minimum New PIK Toggle Amount is not met, then holders electing to receive New PIK Toggle Second Lien Notes will only receive New Cash-Pay Second Lien Notes in respect of the principal amount of New Second Lien Notes that they are eligible to receive in the Exchange Offers. If the Maximum New PIK Toggle Amount would be exceeded, then the New PIK Toggle Second Lien Notes will be allocated to holders who have made a PIK Toggle Election, as set forth in the Offering Memorandum.
If the aggregate principal amount of Old Notes validly tendered (and not validly withdrawn) in the Exchange Offers would, if accepted, result in the issuance of New Notes in an aggregate principal amount equal to or less than the Maximum Exchange Amount, then, upon the terms and subject to the conditions of the Exchange Offers, First Data will accept for exchange all Old Notes validly tendered (and not validly withdrawn). If the aggregate principal amount of Old Notes validly tendered (and not validly withdrawn) in the Exchange Offers would result in the issuance of New Notes in an aggregate principal amount in excess of the Maximum Exchange Amount, then, upon the terms and subject to the conditions of the Exchange Offers, the Old Notes validly tendered (and not validly withdrawn) will be accepted for exchange on a prorated basis, with Old Notes as to which a PIK Toggle Election has been made receiving a preference, as described in the Offering Memorandum.
Subject to applicable law, First Data reserves the right, but is not obligated, to increase the Maximum New PIK Toggle Amount and/or the Maximum Exchange Amount.
Old Notes tendered pursuant to the Exchange Offers may be withdrawn at any time prior to 5:00 p.m., New York City time, on December 1, 2010 but not thereafter. If withdrawal rights have terminated at the time of any increase in the Maximum New PIK Toggle Amount and/or the Maximum Exchange Amount, subject to applicable law, First Data will not reinstate withdrawal rights and, accordingly, holders should not make PIK Toggle Elections or tender Old Notes unless such holders are prepared to have such elections honored, or such Old Notes exchanged, in full.
The Exchange Offers are subject to certain conditions set forth in the Offering Memorandum including the condition that at least $3.0 billion aggregate principal amount of Old Notes (as such amount may be decreased, the “Minimum Tender Amount”) has been validly tendered on or prior to the Expiration Date (and not validly withdrawn). Neither Exchange Offer is conditioned on the completion of the other Exchange Offer. First Data reserves the right, subject to applicable law, to terminate, withdraw or amend each Exchange Offer at any time and from time to time, as described in the Offering Memorandum.
The New Notes have not been registered under the Securities Act of 1933, as amended (the “Securities Act”) or any state securities laws. The New Notes may not be offered or sold in the United States or to any U.S. persons except pursuant to an exemption from, or in a transaction not subject to, the registration requirements of the Securities Act. The Exchange Offers are being made, and the New Notes are being offered and issued only to, persons certifying that (a) they are in the United States and are “qualified institutional buyers” (as defined in Rule 144A under the Securities Act) or (b) (i) they are outside the United States and are persons not U.S. persons, who are eligible to acquire securities from the Company pursuant to Regulation S and would be participating in any transaction in accordance with Regulation S and (ii) they are “non-U.S. qualified offerees” (as defined in the Offering Memorandum).
The complete terms and conditions of the Exchange Offers are set forth in the confidential offering memorandum and related letter of transmittal. Documents relating to the Exchange Offers will only be distributed to holders of Old Notes who complete and return a letter of eligibility confirming that they are eligible investors for the purposes of the Exchange Offers. Holders who desire a copy of the eligibility letter should contact Global Bondholder Services Corporation, the information agent for the Exchange Offers, (866) 294-2200 (U.S. toll-free) or (212) 430-3774 (collect).

Contacts

First Data Corporation
Chip Swearngan, 404-890-3000
chip.swearngan@firstdata.com
Permalink: http://www.businesswire.com/news/home/20101117007250/en/Data-Announces-Private-Debt-Exchange-Offers-Debt


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USA ePay Joins the Secure Vault Payments Network

Image representing eWise as depicted in CrunchBaseImage via CrunchBase
Security of Secure Vault Payments Complements Advanced Fraud Protection Payment Options
LOS ANGELES--(BUSINESS WIRE)--USA ePay announced today they will join the Secure Vault PaymentsTM (SVP) network and offer the new online payment option to their more than 40,000 clients before the end of the year.
 eWise
“Gateways like USA ePay are a critical component to the growth of the Secure Vault Payments network”
Secure Vault Payments is a safe and secure online payment network developed by NACHA — The Electronic Payments Association® and eWise, a provider of online payment and personal financial management solutions. Secure Vault Payments is the only online payment system designed specifically for the unique security and convenience requirements of online payments and ecommerce.
“We are very excited to have this new functionality for our Payment Gateway service," says Martin Drake, Vice President of Business Development at USA ePay. “Secure Vault Payments functionality will significantly enhance our offering by enabling merchants more payment options to process transactions more efficiently with reduced risk and liability."
When a consumer selects Secure Vault Payments to pay online, the consumer is automatically redirected to their own online banking relationship to select which account they will use for payment. The consumer is then automatically returned to the merchant or biller website to receive payment confirmation. During the transaction flow, financial institutions authenticate consumers and provide businesses with real-time authorization and guaranteed payment. Because consumers never share any financial account information, the merchant or biller does not have to secure or store payer account information.
“Gateways like USA ePay are a critical component to the growth of the Secure Vault Payments network,” said Richard Brierley-Jones, Executive Vice President of eWise. “Knowing the value they place on security and fraud prevention, we are pleased they recognize the enhanced security Secure Vault Payments brings to their payment portfolio.”
Companies interested in joining the Secure Vault Payments network should contact Dean Seifert, Senior Vice President, eWise at svp@ewise.com. Inquiries regarding the NACHA Operating Rulesor Secure Vault Payments business rules should be directed to NACHA.
About USA ePay
Since 1998 USA ePay, a GorCorp Inc. company, has been helping merchants process their credit card and check transactions with speed and security. Founded by the Goretsky brothers, the company is family-owned and based in Los Angeles, CA. Currently the USA ePay gateway supports all of the major platforms (e.g., First Data, TSYS, Global, Paymentech) in the credit card industry and works with some of the leading check platforms. USA ePay is also pleased to work with many of the larger merchant service banks in the U.S. and abroad. For more information, please visitwww.usaepay.com or call 866-USA-EPAY (872-3729).
Secure Vault Payments™ (SVP)
Secure Vault Payments™ enables consumers to initiate private and secure payments for purchases and bill payments through their financial institutions’ online banking platforms, using the ACH Network and eWise’s Online Banking e-Payments technology. Financial institutions authenticate consumers and provide businesses with real-time authorization and confirmation of payment (ACH credit). Secure Vault Payments™ is a trademarked offering of NACHA — The Electronic Payments Association. To learn more, visit http://securevaultpayments.org/.
eWise
eWise is partnering with NACHA to provide the Secure Vault Payments network, utilizing its Online Banking ePayments (OBeP) technology and account management services. eWise is an online payments and personal financial management solutions provider with a reputation for providing innovative solutions that make transacting online easier and more secure. eWise offices in US, UK, China and Australia support some of the world’s top 50 financial institutions with solutions delivering outstanding, proven ROI for its customers and a better online experience for millions of end-users worldwide. For more information, visit www.ewise.com.

Contacts

USA ePay
Martin Drake, 801-331-6981
martin@usaepay.com
or
eWise
Patti Duncan, 303-256-6276
pduncan@ewise.com
Permalink: http://www.businesswire.com/news/home/20101116007233/en/USA-ePay-Joins-Secure-Vault-Payments-Network


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