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The first payment card [6] was created in 1950 by Ralph Schneider and Frank McNamara to allow members to use charge cards at their Diners’ Club, and consumers were required to pay their bill in full each month. In 1959, American Express [7] created the first credit card that allowed users to carry a balance from month to month.
The payment card industry consists of all the organizations which store, process and transmit cardholder data, most notably for debit cards and credit cards.The security standards are developed by the Payment Card Industry Security Standards Council which develops the Payment Card Industry Data Security Standards used throughout the industry.
BankCard Services is the world's 139st largest acquirer for merchant card processing based on volume of all purchase transaction (Visa, MasterCard, Union Pay, American Express, Discover, Diners Club, JCB, domestic debit and domestic credit) by country.
In late 2017, the company acquired a former Citigroup card production facility in Columbus, Ohio and invested $25 million to build out a second, 200,000 square feet (19,000 m 2) credit card production facility, with a capacity to produce 67 million credit cards per year. [22] In January 2018, the company acquired Cayan for $1.05 billion. [23]
The company was acquired by Global Payments for $4.3 billion in 2016. [3] [4] Heartland Payment Systems provides payment processing for more than 275,000 business locations in the United States and processes more than 11 million transactions a day and more than $80 billion in transactions a year, as of 2014. [1]
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