The payment process has become a critical success factor in face-to-face retail and especially in e-commerce and m-commerce. Concardis is one of Europe’s leading payment services providers. With over 30 years’ experience in payment processing, the company offers intelligent solutions to meet all the requirements of modern cashless payment processes. The service accepts payments made with all major credit and debit cards, and includes card terminals and contactless payment processes for face-to-face retailers, innovative solutions for e-commerce and m-commerce as well as support in the form of customer management. When it comes to high-performance payment solutions, Concardis is the provider of choice for some 110,000 customers at 210,000 locations and with more than 470,000 terminals