Sometimes called closed-loop EMV, white-label EMV technology has been used by domestic debit schemes and retailers for their private-label cards for years. In the same vein, the Finnish fintech company, Enfuce, can produce all sorts of white label cards in 8 weeks: debit cards, prepaid cards, gift cards, and credit cards, all while. Talk to us to find out more about embedded finance or our other white-label solutions. Clients of Unbanked include Litecoin Foundation, StormX, Nexo, Stacks, & more who use the Unbanked platform to offer their own branded white-label debit c ards and bank accounts for consumers. If you are looking for personalized credit card & Create Your Own Credit Card, then you have come to the right place. Crypto debit cards are similar to ordinary debit cards, and most operate on one of the major card networks (Visa, Mastercard, etc. Some banks only allow certain ATMs to accept debit card transactions, and others limit withdrawal amounts to $100 per day. You can start super simple and just order one card for each family member. ”. PURE is an off-the-shelf payment application from Thales that fully complies with the EMV™ standard. 7. It allows for the seamless conversion and. No further payments or overdrafts are possible once you spend everything up until you top up your card. BTW, the big secret about "Apple Pay" is that it is just the Mastercard tap and pay technology that has been around for at least the past 12 years, probably longer. Offshore companies find the range of card options appealing as the white label debit card can be allied with Visa or MasterCard. We want to see everyone on the planet benefiting from what bitcoin offers, i. Comprehensive debit card processing. We aim to, together with Cardlay, make it easier for customers to integrate budgets, authorization processes, payments and reconciliation into an automated flow, thus minimizing errors and the risk of fraud, and we believe that Cardlay is a strong partner for that. Hips White Label Payment Gateway is the next generation omnichannel payment gateway. Leverage Adyen Acquiring to instantly fund your card program. Debit, credit, prepaid, virtual, consumer, and business credit card programs. Expand your market offering with an on-demand, scalable solution for fast and simple payments. 21 - $0. Paying with debit is preferred among most consumers, and choosing to accept Discover Debit is an opportunity to grow sales and expand your payment options. Start innovating with Marqeta today. to new destinations. 5 billion in transactions in crypto-related cards in the first fiscal quarter of 2022. The PayPal debit card, for example, has the business logo on the front of it and a gray background. When you choose white-label debit cards from iServeU, you choose all of the following goodies: A Full-Fledged API Solution . Key Points. Zero Fee Virtual Deposit Account. ; Using these ATMs is similar to using an ATM of a bank other than the bank where. This Card White label was created by a fintech company for fintech companies. Our consulting teams will get your program up and. A comprehensive solution enables individuals to “top up” the Pre-Paid and Debit Cards in different currencies and potentially. Your customers will be able to order tokenized physical and virtual cards with the. A white label payment gateway is a payment processing service that allows businesses to accept online payments from customers using various payment methods such as credit and debit cards, digital wallets, and mobile payments. Our BIN sponsorship services are supported by a full-featured card issuing API platform. Talk to us to find out more about embedded finance or our other white-label solutions. BaaS as it was meant to be. As a result, many businesses are looking to incorporate crypto payment options into their offerings. Cards activated 2022. Co-Branded Card programs – Prepaid Debit Cards and Credit Cards. When monies are to. Enjoy the benefits of our versatile and flexible card-issuing product. Reduce costs, such as check processing – and boost engagement by enabling global use. You know your business needs and what your cardholders want—our white label credit program helps you deliver. Designing your best-fit solution, you can do business in an open-market economy, start stable fintech operation, or launch a card for travel and entertainment industry. From Wikipedia, the free encyclopedia. Wallester’s white-label service allows clients to create own-brand virtual and physical Visa cards – whether prepaid, credit or debit – based on. Authorized issuer of Visa and Mastercard. Paypal offers the best reloadable card with no PIN transaction fees. PayPal Mastercard Debit Card is a co-branded card by PayPal and Mastercard International. The private-label debit card programs offer branded cards with the client company’s logo, design, and other customizations. WATCH VIDEO. Cards Issuing Free Monthly fee 2 € Withdrawal 2% (min 3 €) Accounts Application processing Free Additional fee for complex entities 100€ Maintenance Free. Virtual. The White Label Debit Card Solution A ready solution to reimbursing employee expenses and paying salary is the use of a debit card program. S. We will advise you on the best pricing model for card program so that it is profitable. To learn more about card issuance and launching a card program, watch the full webinar. S. Top. Our open API platform allows businesses to instantly issue cards and process payments. With the mobile version of the Thales white-label payment application (PURE), you can accept mobile payments on your existing check. WLAs offer debit card services such as cash. White label debit cards are designed to scale easily with a company’s growth. Not a prepaid or gift card program, But a true private label debit transaction. If a debit card program isn’t what you need, talk to us about our White Label Prepaid Card Program , our Guaranteed Profit Prepaid Card Program , or any other type of Custom Prepaid Card Program . Our white-label mobile app for card issuers provides easy and secure access to card information, as well as a wide range of card services. White-label debit cards offer a unique opportunity for businesses to drive customer loyalty and increase engagement. 2. Schedule a call with ProductFy's team to learn more about credit builder cards, white label debit cards and FinTech platforms, and how you can launch your own white label banking products. The recent Neobank startups have been highly. Customize the graphics of your cards. A business or organization that wants to offer its customers the ability to make. White label banking is another term for private label financial services or banking-as-a-service (BaaS), in which banks open up their application program interfaces (APIs) to let third parties build their own financial products with existing infrastructure. It’s an extremely valuable service for any business that wants to build their online customer base. Seize the debit opportunity. White labeled virtual, physical, and tokenized debit cards that can be spent at millions of merchants globally. Account balances above $250,000 will be automatically swept from Green Dot Bank and equally spread across our participating financial institutions, providing you with up to $5 million in FDIC insurance coverage. In essence, a white label debit card is a card that is branded with the logo and other identifying features of the issuing company, but is actually issued by a third-party financial. Flexible ways to earn revenue! White Label Partners are able to mark up some prices and others, you receive commission from Novae or our partners. It allows users to spend money from their online PayPal accounts at any Mastercard-accepting merchants worldwide. Learn more about White. Cloud. 13, 14, 15Lincoln Savings Bank alsoNeobank for Consumers. In the rapidly evolving world of fintech, the integration of blockchain technology is reshaping how we think about financial transactions and payment solutions. ATMs set up, owned and operated by non-banks are called WLAs. A White-label card is a great way to express your gratitude to loyal customers you have. White label debit card issuing has become increasingly popular in recent years as more and more businesses seek to offer payment services to their customers. That’s where white-label solutions come in. worldwide. Good (3. Definition of white label payment gateways. This avoids the need for Direct Debit transfers or cash in hand payments and enables workers to access their funds quickly, flexibly, and securely. From design to reconciliation, we’re here to support you and. It means more volume of the transaction will increase demand for credit. Gemalto EMV contact and contactless cards offer are built on several levels of specifications and options. You have to be signed in to activate your card or do anything else in your account. Your EBANQ online banking system can be online in 24-48 hours with your own logo and design theme. The use of this Card is subject to the terms and conditions. Marqeta is the world's first modern card issuing platform. Functions. 04. The Alegeus Medicare Advantage (MA) Debit Card is a white-label customer experience that helps your members get more from their MA plans with less administration for you. Our BIN sponsorship services are supported by a full-featured card issuing API platform. Start creating and distributing white label gift cards with Berkeley PaymentIssue physical, virtual and tokenized debit cards with our fully integrated embeddable applications. Ink isn’t biodegradable, so anything that wasn’t completely necessary to the card — your pan number, for one — was taken off. WHITE LABEL DEBIT CARD ISSUING. As a leading issuer of prepaid cards in the country, we collaborate on prepaid solutions of every type, including the following: Gift. Create the look and feel for your private label debit program that drives customer loyalty and reinforces the messaging of your app and your brand. One of the most exciting. A. Usually, managing private label cards involves a lot of operational costs and compliance. Accept prepaid cards online and in-store. White label debit card programs are partnerships between non-bank entities and financial institutions or payment processors that allow non-bank organizations to offer branded debit cards to their customers. There is a limit of 30 transactions per second, which can cause problems when millions of people try to use it simultaneously. We then produce your payment cards and deliver them to the address of your choice. Instant issuance of personalized virtual cards for various. Over 30 domestic schemes and local labels, representing 150 issuers, have already issued 120 million cards, mobile devices, and wearables implementing PURE white-label EMV. This module is available for EUR 3500 (one-time only fee) and is easily implemented in any current EBANQ system. Credocard Turnkey Solutions Co-Branded Prepaid Card Programs Online payment – Debit Card programs – Co-branded debit Cards. Cryptocurrency, by its very nature, is decentralized — meaning a central authority. A complete and secure API solution to issue and manage card products and services. Any service and product of the Omniwire platform is available for customizations and usage by any business. When customers see your logo every time they use their debit card, it reinforces the connection they have with your. All key functions for €0 a month. Americans have adopted digital bank accounts (Learn more about their account preferences in our eBook: The Digital Migration – Growing Share of Banking). Designed to enable a wide range of modern payment solutions, the DECTA API offers precise control and full ownership of your white label card program. 99/month. For SME owners, customer loyalty and employee perks are vital. Card to card transfers. Personal And Corporate Prepaid Debit Cards And Solutions. and may be used everywhere Visa debit cards are accepted. The most flexible card in the world. 22: Your Processor Markup: Varies: Total: More than 0. We deliver fast-scalable white-label solutions to enable and serve financial. Yes. This development opens up new capital inroads that will propel users of polygon's DeFi ecosystem to the next level. Optimus Cards offers white label card and payment solutions that integrate into new and existing platforms. When it comes to convenience and flexibility, VISA debit is difficult to beat. A white label store for merchants that want to. This leaves you to focus on growing your business and customers. Call us at (41) 43-508-0590 for more information. What Is a White Label Debit Card? A white label debit card is a payment card that is issued by a financial institution or a third-party provider on behalf of a bank, retailer, or. Ensure security, ease of use, and rapid market entry for your business. Your cardholders can: Spend crypto anywhere debit cards are accepted. The integration allows for EBANQ users to consult card balances and historical transactions, to load cards and perform card to card. Seamlessly combine the power of digital payments and the convenience of a digital. Posted: March 10, 2023. eu Rating. Our Program API provides the foundation for you to launch, scale and grow your white-label card issuing program. Benefits of White Label Credit Cards. These companies often specialize in providing a specific type of transaction solution such as processing credit cards, gift cards, bitcoin, etc. Launching White-Label Card — one step ahead of other brands in competition. From operational aspects to financial management, the stakes are high. HollaEx enables the implementation of on and off ramps for fiat payment products, including white-label debit cards, online e-commerce payments, and more. Issue branded debit, credit or prepaid cards with one of many integrated issuers. From a full end-to-end White Label Payment Gateway to modular solutions, covering all your payment requirements in the forever changing payment processing landscape. Designed in partnership with Clay. In Australia, interchange fees are capped at 0. It comes like a regular debit card but with a lot of beneficial. Our crypto debit cards are universally accepted, allowing you to spend your crypto at millions of locations. Dzing – a B2C NeoBank – a standalone project that was established with a goal to test new functionalities and build rapport within the consumers. Debit Cards are used for making card payments using funds in a bank account owned by the owner of the debit card. Use online virtual cards as an optimal financial. Instant issuance of personalized virtual cards for various. Integrate card and account payments for anyone selling online. Cards can either be physical or digital and accessible via a mobile app. On-prem. Crypto Wallet. Fund accounts. Global payment solutions tailored for your business. Our customizable solution allows you to bring distinctive consumer value propositions to life in a way that builds your brand and business. Issuing corporate cards. 5 billion in 2018 from 4. Put the power of digital banking at your consumer’s fingertips with Crassula’s White-Label neobank solution. Create a card portfolio that delights cardholders and supports your brand's vision with the most robust range of card types, design, and deployment on the market. These rewards or loyalty points can then be redeemed for discounts, merchandise, or other. Improve efficiency and satisfaction with an array of easy-to-use support services. 760M$. These systems are. Specialized in large-scale prepaid card issuance, C2A Card has. 3. Schedule a call with ProductFy's team to learn more about credit builder cards, white label debit cards, and how you can launch your own white label banking products. Our open API platform allows businesses to instantly issue cards and process payments. Schedule a call with ProductFy's team to learn more about credit builder cards, white label debit cards, digital disbursements, white label disbursement platform and how you can launch your own white label banking products. Rule E1 of the Canadian Payments Association (CPA) covers the obligations of aPacked with all the tools needed, the iGaming white label platform offers a full suite of solutions and. Looking for an issuing bank? Look no further. A. Decta Limited offers accepting card payments with merchant account, merchant acquiring, service for credit card and payment processing, white-label card issuing and processing services to. For example, customers might earn points for every dollar spent on the card, which could be redeemed. Our cards are made for you. The software, when integrated with your online. With this card, you can easily pay for your purchases in the network of the brand that issued it to you. is the pioneer in providing white label debit card programmes to financial institutions underserved by traditional providers. Examples of businesses that are using white label card solutions successfully include loan services who use the cards to transfer funds or cryptocurrency exchanges, who may offer debit cards for. Pervesk white label card solution provides the complete structure for debit card issuance, including payment instruments, software, and technical integration – all under the client’s brand name. We enable comprehensive instant issuance portfolios. Get in touch. Bank branding : This section identifies your card issuer. Plus, earn revenue on every swipe! Hydrogen manages the processor, bank sponsor, card network, and 40+ other processes within our SaaS platform. Companies with a large number of employees, as well as modern gig platforms need reliable, fast, and most convenient payment tools to perform a variety of financial transactions. No credit checks, no bank account and no minimum deposit needed. Salt announced a crypto. Financial License Our BaaS partners have all the required regulatory approvals and licenses. Flexibility; White Label card program Grow your brand visibility and recognizability by launching your own branded cards. EXPERT’S RATING. Incorporating a white-label corporate credit card into an enterprise expense management program is advantageous for both employees and employers. Available in various currencies, including USD, EUR and GBP. Non-banks set up and operate White ATMs as per the rules laid down by RBI for using ‘other bank’ ATMs. We are here to help. Our entry-level EMV cards are designed for basic payment applications. 31. The person can send finance abroad. Visa® Debit Cards are issued by Unit's partner banks pursuant to a license from Visa U. Unleashing Innovation: Wallester and Striga Join Forces in Revolutionising Crypto and Financial Technologies. White-label debit cards The private-label debit card programs offer branded cards with the client company’s logo, design, and other customizations. These rewards or loyalty points can then be redeemed for discounts, merchandise, or other. 3. The modern CRM system is equipped with all the tools needed to process cardholder information as conveniently as possible. For example, some cards are branded with rewards programs or retailer names. *Subject to card design & implementation. 280K. A fringe benefit for the companies and financial institution white label wallets is the chance to strengthen your relationship with clients and provide payments solutions to everyday issues. Besides, they may provide e-commerce merchant acquiring facilities as well. This development is not just a trend but a transformational shift in how. Support prepaid debit cards. The third-party partner (or private label credit card provider) assists in several areas, including issuing, funding, and payment collection. Apto allows you to connect physical or virtual debit cards to any currency, including crypto. USD to USDC. Payments Euro-zone pay-in Free Euro-zone pay-out 0. Co-branded credit cards are issued by a financial institution — usually a bank, but it can also be a credit union or fintech company — along with another company, organization or brand. One effective method of customer retention and interaction for the companies mentioned above is to become a debit or credit card issuer through a third party. It is designed for domestic schemes and private payment card associations looking for chip-based security and fast time to market. The platform provider handles all aspects of the gift card program, including the creation, distribution, and management of digital and physical gift cards. Crypto credit vs. at the issuer’s secure website. With this card, you can easily pay for your purchases in the network of the brand that issued it to you. 8. White Label ATM: ATMs set up, owned, and operated by non-banks are called white label ATMs. As your partner, we are committed to your success. Wallester, an Estonian company, is issuing labelled debit cards of high-tech nature and the integration of REST API is of great help to both physical and virtual. GO2bank™ cards issued by GO2bank, Member FDIC, pursuant. whitelabeldebit. These cards don’t carry the typical Mastercard or Visa logo. Thanks to the specialized virtual credit card app (white label), the Wallet Factory Company allows making easy transfers between cards of different banks. We offer a scratch-built CRM platform to make the management of the card. This website is estimated worth of $ 8. ). Here are some more benefits that you experience when you become a white label payment provider:. Merchants must deposit into a single Chase bank account to be eligible. Fully Branded. Personalized solutions for your own needs. White label debit card issuing has become increasingly popular in recent years as more and more businesses seek to offer payment services to their customers. The OMNY card is a private branded ‘white-label’ EMV MasterCard prepaid debit card. But have you ever stopped considering how these innovations…Sandeep Nailwal. Seamless integration with. ORDER NOW. 2 Compliance. Whether they want to make purchases using credit cards, debit cards, Apple. Virtual and physical prepaid debit cards, funded with crypto. Configure and manage all your virtual or physical debit and prepaid card products with a. Debit and Prepaid Card Programs for Your Business or Organization Cascade is a Prepaid and Debit Card Program Manager with innovation at its core. We’ll work with you to design a program that’s tightly integrated into your business model. Omniwire offers its customers a wide range of ready-made white-label solutions for businesses. Payoneer. The most innovative way to start a cryptocurrency exchange platform with less development cost is to use the best white label cryptocurrency exchange software. Gemalto Instant Issuance also reduces the risk of card interception and fraud, all the while adding value by delivering differentiation and increasing consumer satisfaction by: Reduced waiting times: A faster card delivery process. 2. Leverage direct deposit and other funding mechanisms so users can start spending immediately. Frequently Asked Questions. global payments, instant and cheap. PayPal Prepaid MasterCard. White label business debit cards offer both physical and virtual card options. Optimus Cards UK Ltd. Inc. 2. Full Range White-Label Banking. In simple. Control what card features are available to your cardholders. Although a debit card may make you feel a bit limited in your spending capability, it can help you save for a better future. In this blog post, we’ll explore how. We tailor our prepaid cards solutions to your unique needs including program sponsorships, white label sponsorships, and retailer programs. White Label and Co-branded Programs. Branded card programs that enhance your customers’ experience. As of October 2021, BlockFi, the world’s first bitcoin rewards credit card, announced that it was on track to hit $2 billion in annualized spend. PAYMENTZ follows the global standard during card details storage and transmission to your bank. White Label Crypto Debit Cards. Accepted. In this case, the issuing bank/payment processor will be marked on the face of the card. The Easytransac integration module will allow end-users to fund their EBANQ accounts using all major debit and credit cards. One of the primary advantages of a white-label digital bank is the cost savings it offers. The white label nature of the platform means that the branding and. Responding to the emerging cutting-edge tendencies, Crassula comes with its fully customizable and cost-effective solution that can help you to set up a profitable white. Contact us now. Card White label program with a European Mastercard licensee Let’s discuss your case Payments cards for financial institutions and fintech startups Expand your market. 2% for debit cards. “W e care a lot about downside risk and we care a lot about high liquidity. Debit Cards Spending Cards White labeled virtual, physical, and tokenized debit cards that can be spent at millions of merchants globally. GoHenry lets kids choose from more than 45 fun debit card designs. 8% of user penetration. Wide Range of Program Settings Card programs can be fully customised to your business needs. All of this allows us to provide innovative and reliable White Label Prepaid Card Programs. A white label ATM is a self-service machine branded with your company name and operated by a third party, such as a bank or ATM operator. Akurateco, BlueSnap, Stripe, Dwolla, and Ikajo are the five top providers of white-label payment gateways. Card issuing API. With Delasport’s Payment Gateway operators can easily localize their payment portfolio for. Drive member loyalty, accelerate payments, or build credit history with world-class card. Features include card controls and limits, digital wallet tokens, and the option to customize cards. Private Label Credit Card: A private label credit card is a store-branded credit card that can only be used at that store. MCO moon stopover isn’t required if you get rid of MCO. The ATM / ATM cum debit cards, credit cards and prepaid cards, as permitted by the issuer, can be used at ATMs/WLAs. Why to use our White Label solution. View Software. Your customers will be able to order and use their virtual and plastic cards in web, iOS, and Android apps while you will have all the managing tools in the back office Dashboard. 9 percent in 2015. Loyalty and reward. Age requirement: 6 to 18 years old. Take the complexity out of card issuing. These cards don’t carry the typical Mastercard or Visa. Your competition is challenging because many companies are working on this program and ensuring loyalty to customers. As a customer, one can use these machines just as a regular ATM. Debit cards may not be as popular as credit cards in New Zealand, but the majority of stores throughout New Zealand accept debit cards as a payment method – both in urban and rural areas. PAYMENTZ platform gets. Go live with your. White-label payment gateways can support a wide array of payment methods, from credit and debit cards to digital wallets and bank transfers, giving businesses the flexibility to cater to the diverse. The digital currency revolution is here, and with it, the rise of crypto debit cards. Check out the latest trends driving the embedded finance industry. Give customers one more reason to keep coming back to your business—start accepting Discover Debit cards today. Flexible ways to earn revenue! White Label Partners are able to mark up some prices and others, you receive commission from Novae or our partners. 8. How come MCO card is a VISA Pre-Paid Card, not VISA Debit Card (yes, there is a difference)Schedule a call with ProductFy's team to learn more about credit builder cards, white label debit cards and FinTech platforms, and how you can launch your own white label banking products. Setting up a physical card program takes 10 to 12 weeks. Launch white-label VISA cards of any type. Discover tips on choosing the perfect white-label crypto debit card solution. 05% + $0. The white label debit program of the company can help you in a faster way, and it is integrated with almost all types of cards. Both co-branded debit cards and white label debit cards offer a range of benefits, including: Enhanced Brand Awareness. We strive for the utmost. Cards activated 2022. Yes, you can. Take a look at this VIDEO to see how the platform can be branded in minutes. Bill Pay. Timo Lye May 30, 2023 2:07 am Maximizing Crypto Transactions with White Label Debit Cards: A Complete Guide. The Main Purpose Of White-Label Card. The concept of white label debit card issuing is relatively simple. Initial Setup Cost: $45,000. PURE is a scheme-agnostic EMV application that private-label card issuers and national payment. Get Order ID and Auth Codes. In an era where every aspect of our lives is interconnected through a web of digital nodes, it’s no surprise that our financial transactions are also being reimagined and streamlined. This is a powerful tool for building brand recognition and increasing customer loyalty. The Sponsor bank provides the cash facility for the White ATM. White label core banking 2022. By the end of this article, readers will have a comprehensive understanding of white label business credit. Orenda’s Key Features. You can choose to launch your white-label cards with Visa, Mastercard, or UnionPay, set them up as prepaid or debit, and select physical or virtual options. Virtual and physical prepaid debit cards, funded with crypto. to new destinations. These companies have experienced specialists developing white-label software and. Online customer support, statistical data analysis, risk control, and more — all features available on a single platform in real time! White-label card programs, branded payment cards, company mobile app and personalized. Introducing PURE. Contact us now. Created specifically for large merchants, MDEX is especially useful for merchants who process at least 500,000 Visa card payment transactions per month, use a central processing platform and require speed at the point of payment. White label debit cards can prevent payment card fraud by using various security features such as virtual cards, which can be generated on-demand and canceled or replaced in case of loss or theft. Designed in partnership with Clay. Payment Processed 2022. 8. The company has developed a world-class product that allows users to buy, hold, exchange and spend multiple traditional and cryptocurrencies using a single, intuitive platform and debit card. In a digital era, where financial transactions are no longer confined to physical wallets and tangible currencies, there emerges a revolutionary trend that epitomizes the amalgamation of technology…Issue prepaid ATM debit cards loadable by bank transfers and crypto currencies ; Inquire Now. 10¢. We help you through every step, making decisions to support your goals. Payroll. No More Than:White-label debit cards can be customized with your company’s branding and messaging, creating a personalized experience for your customers. Same-Day Deposits are available to merchants on integrated software platforms with a 5:00 pm PT cut-off time for payments processed on WePay. Simply provide your ramp information and our team can begin the integration process immediately. Step 3 Customize your loyalty, rewards, or cashback offers. White label debit card issuing has become increasingly popular in recent years as more and more businesses seek to offer payment services to their customers. Debit cards issued via the Mastercard network can be used throughout 210 countries and territories. Digital banking core software platform featuring modularity, white-label apps, and API ecosystem. Building and maintaining a payments infrastructure is extremely resource-intensive. While white-label debit cards are associated with a bank account, other options don. We achieve great customer experience through biometric authentication for instant online card payments and the easy provisioning of cards to mobile payment wallets, such as Apple Pay, Google Pay,. Alternatively, you can order multiple cards per family member with each dedicated to a specific purpose — like clothing, lunch money, allowance, charitable giving, saving for a vacation, building an emergency fund, etc. More on white-label solutions. Credocard is the industry leader for co-branded cards, Co branded prepaid cards, white label card programs, software and payment integration platforms and turnkey payment solutions.