The questions that everyone wants an answer to. I have been writing to PayPal for 10+ years to solicit a reply from them – as to why they are not here in Pakistan (you can read that correspondence onwww.faisalkhan.com)

PayPal operates in various countries but a few countries like Pakistan, Bangladesh, (amongst the larger ones) are missing. When countries like Somalia, Yemen and Rwanda are included in the list of countries where PayPal is available, one begins to wonder why Pakistan is not included.

It is not primarily about market size, I am sure Pakistan’s market size is a whole lot larger than many countries (combined) where PayPayl currently operates in.

The issue is country risk. <- I cannot sum it more accurately.

A financial institution like Paypal does risk assessment in their own way to assess which country it should and should not do business with. PK, whilst a large market size (compared to say Sri Lanka or Yemen or Rwanda) still poses a high-risk due to the factors like:

• KYC (Know Your Customer)
• AML (Anti-Money Laundering)
• OFAC (Office of Foreign Assets Control)
• SAR (Suspicious Activity Report)
• Beneficiary Information

The above (IMHO) are the major issues that PayPal faces, not being able to accurately gauge the above, is a risk that PayPal does not want to take.

They, PayPal can be penalized by the financial regulator in the country they operate FROM (not To), and the risk of account freezing, etc. All these factors they have to weigh against how much money they can earn (and they have a pretty good estimator for this). The risk vs the income – makes them conclude that PK is a risk country as far as business is concerned.

In addition to this, a small group with PayPal is trying to convince their management to look into Pakistan, whilst a large portion of members within the PayPal corporate world are literally biased and oblivious towards Pakistan as well (this is not an empty statement, but the ground reality within PayPal). PayPal itself is not entirely ‘clean or fair’ in its efforts. The ruckus that Pakistan is a money laundering country, etc. fails and pales in comparison to the amount of money laundering done in the US, and Latin America. As with every Pakistan/Indian issue, there are bigoted people within PayPal who are still harboring the animosity towards each other, is also another unsaid reason why Pakistan and Bangladesh have not gotten PayPal.

There is absolutely NO written notification and/or official circular from the US Government or Federal Reserve that ‘prevents’ Pakistan from having PayPal or tells organizations PayPal to discourage the Pakistani market. This myopic stance within PayPal is biased and unfair.

As previously speculated on many forums, it has NOTHING to do with SECP, SBP, FBR, etc. – - – that is not the issue (nor ever was).

A lot many forums and discussion boards have proposed that if PayPal cannot come to Pakistan, we should have our own payment system for the world to accept and adopt.

If you track payment systems, there are currently over 250+ payment system, after discounting the top 10-15 payment system, the rest of them COMBINED together probably do not do more than say #14 or #15 on the list. Having a payment system is one thing, having it adopted and be utilized and accepted by others is another matter entirely — and in some cases the key.

Lets talk about inward micro-payment options (barring PayPal) – you have none. No other micro payment system exists currently other than Paypal (sub $1 payments notwithstanding) that is worth mentioning or worth trading or transacting on. Even if you will make one, do you actually think your buyers in the international arena will adopt it? (I dont think so). Even some famous ones are having issues adopting.

The same can be applied for outward settlement. The fees structure for settling payment outside of Pakistan is quite complex. Daily reporting on transactions, along with the KYC and AML needs to be reported to the PRI division of SBP.

Without having any a priori information on the subject matter, people can comment and propose all they want, but seriously ask your self a question, how many hours? days? week? months? or years? have you applied towards the understanding of various payment systems that exist today? Have you ever spoken to them? Understood the back-office and legal issues, met with them in a seminar, etc.

So proposing that Paypal do this or that — is frivolous, (they are way more informed than you and I – combined).

Also – proposing an alternate payment system – how will that fair, if say tomorrow Google checkout becomes a micro-payment system, or the same were to happen with Twitter, or what many consider the inevitable, that Facebook launches either itself or in partnership with someone else, launches an payment/virtual-currency, that allows cross-border settlement and micro-payments? How will you payment system work.

Also remember, Paypal does not allow external payment system to integrate with them.

I do not mean to stomp the idea, but believe me, I have spent many years reading this all and do not make a statement just on heresay, but one that is based on hard statistics, fact and a whole lot of communication.

We may be #3 or #2 on some freelancing project network site, but what are we processing in terms of real-$-value per day? Do we do $30 Million a month – if not – we’re nothing as far as the financial transaction settlement world is concerned – an average ACH in the US transaction more than the $1 Trillion per day (yes, that’s is correct 1 Trillion, and no its not a typo). US ACHs transact more than $30-$45 Trillion per day, depending on the day of the week.

So, swallow your pride and understand and live with what we have. In the fiscal world as far as income – we are NOTHING. Accept that. In the world of RISK, believe me when I say we are almost #1. If people (rather financial institutions are NOT willing to do business here), then there is nothing you can do about it – Government or No-Government Pressure!

Let me give you an analogous example, please bear with me on the humor. The mangoes export of this country is FAR greater in number ($-wise) than say the inward and outward money combined from freelancing. Yet, the US chooses that we cannot export mangoes to the US, and there is NOTHING we can do about it. This has been true for over 25 years. Now – if we cannot export mangoes to the US, then what comical sense do we bring to the table asking Paypal to come here, because we are #2 or #3 on some work portal. [Yes, as an update, I know of the recent mangoes export to the US  -  for the first time.]

After years of writing to PayPal to solicit a reply, which they eventually did (via unofficial channels), I decided to buy a domain called PayPalAlternatives.biz to highlight the alternative payment systems that users can opt for in countries where either PayPal is not available or restricted.

Here is the test of the letter I received:

from ip@ebayenforcement.com reply-to ip@ebayenforcement.com to babushka99@gmail.com date Sat, Jun 25, 2011 at 12:30 AM subject Your Domain Registration – paypalalternative.biz [Case #49847] mailed-by ebayenforcement.com

Header Credentials

Now, whilst I really wanted to comment on it, both my US and Pakistani Legal Council has requested I do not do so.

Here was my reply to this email:

Dear Edith,

I intend not to be bullied by eBay / PayPal. Both these organization have a lot of explaining to do, and chose to do so, only when they feel its there time to do so. 1,000s of people suffer by the injustice done to their PayPal account everyday  - it is not even funny. If you visit websites like paypalsucks.com, screwpaypal.com and many others, you will get an idea of what I am talking about.

I have full intentions of publishing a personalized blog that highlights the various payment systems, that pose as an alternative to PayPal. If the domain is ever snatched away from me, believe me, a very befitting reply in the form of a large scale campaign against PayPal would be made by me.

I was (and perhaps still am) an ardent lover/fan of the PayPal money system and keep wondering why they continue to shun Pakistan, but when they stoop down to dirty legal arm-twisting like this – rest assured, I too shall twist their arm in return.

For many years now – I have been writing to the CEO/President of PayPal and their parent company Ebay, asking then why they are not present in Pakistan. Despite all the communication via email, faxes, and letters that I dispatch every year, I have never managed to solicit a reply from them. Not even a squeak.

Today, many campaigns are afoot on the Internet in the hopes of getting PayPal’s attention and getting them to come to Pakistan.

Some people are supposedly even in touch with PayPal through their Far East office, London office or US office. Some have claimed to have met them, each vying to bring PayPal to Pakistan. In some minor cases, some of these elements are just not playing fair and present a fair picture to PayPal. They do so because they want to do business with PayPal and get paid for it (hint: law firms), others want accolades, etc. Just for the record, I want none. I just want them to be here.

Today, people fly to Singapore,Dubai, London and even the US to open a bank account just so that they can have a PayPal account.

Most of the activity that is done on PayPal on behalf of Pakistan is done so by what I call Acquaintance-PayPaling! – i.e. using the PayPal account of your brother, sister, uncle, niece, cousin, friend, relative, associate, etc.

Coming back to topic – the present situation is – we still do not have PayPal in Pakistan. Rumor mills are abound with the reasons why PayPal is not in Pakistan. I will not go there, but perhaps try to address what in my opinion I believe is stopping PayPal from coming to Pakistan.

PayPal as you know operates in quite a few countries. In our immediate region, i.e. South Asia, large economies like Pakistan, Bangladesh, Sri Lanka, etc. do not have PayPal, yet countries like Rwanda, Botswana, Fiji, Panama, Sierra Leone, Tonga and Zambia have access to PayPal.

Even Yemen and Somalia have access to Paypal.

Is this fair? Certainly not!

PayPal’s reluctance to operate in Pakistan is due to Anti-Money Laundering and Terrorist activities.

It is also rumored  (I cannot confirm this), that there  is a strong Indian lobby, that very tactfully yet and with sane reasoning positions Pakistan as a country which PayPal best avoids, despite the numbers that work in favor for PayPal to operate here.

No one – on their own wants to take ownership within PayPal and convince the New Business Development Department and the Legal team that Pakistan holds the potential of a very strong market for PayPal.

Having said this, there are some genuine people in PayPal who are literally fighting a case for Pakistan. I wish them good luck and request that they read on what I have written below.

So to summarize:

1. PayPal wants to do business in Pakistan, but are hesitant due to AML and for it (PayPal services) to possibly be used for terrorist activities.
2. People in Pakistan desperately want PayPal.

There are three concerning bodies in Pakistan that PayPal needs to get in touch with:

1. State Bank of Pakistan (the central bank of Pakistan)
2. Pakistan Remittance Initiative – a semi-autonomous body within SBP that is focused on inward remittances and how to legalize them, and provide better KYC, etc.
3. FMU – Financial Monitoring Unit – the AML arm of SBP.

In an unofficial capacity I can state, that all three are willing to talk to PayPal and pacify and address their concerns which prevents them from operating in Pakistan.

Especially PRI – the folks at PRI are more than willing to sit and listen to PayPal and advice them of our laws that we have in place and to correct any misconceptions that they might have with respect to Pakistan.  They can help you get PayPal services rolled out at a National level – and under a one-window operation for PayPal.

PRI is the most pertinent body that can help PayPal and will guide you if you need a banking license or a money-exchange license, how to get incorporated (if required by SECP) how to get integrated with the two ATM switch operators in Pakistan: 1Link and MNet – I’m very sure PRI will also help PayPal with any Tax related issues / consultation with the Tax Authorities (i.e. FBR).

Sitting in a cubicle in California – things are a whole lot different when Pakistan is viewed as a potential country to do business with. It would be conniving of PayPal not to get in touch with PRI / SBP / FMU – all three which operate under the auspices of Ministry of Finance and have the hurdles addressed.

Sitting in Pakistan, you cannot fathom our disbelief that we are blatantly being ignored by PayPal  -  the silence to all the communication/campaigns is deafening.

10+ years of PayPal and no service in Pakistan is just not fair to the 20 million internet users here. We are NOT a camel country! We don’t have sand dunes and people sitting in huts squatting flies. We are not running around naked in sewers begging for water. We do have almost all the conceivable luxuries and infrastructure that is prevalent out in the West. Especially digital infrastructure.

For god’s sake, stop being obtuse PayPal and open your eyes!

For good order’s sake – study us, and do your homework. We are the largest Non-Nato partner for the US in this war against terror. You really think that terrorist networks are only existing in Pakistan? they are all over the world – including UK, Germany, France, Somalia, Yemen, Rwanda, South Africa, Canada, countries where you operate. And please, do not associate the word terrorist with “Islam” or “Muslim” god knows how many home grown terrorist organizations are out there. Juxtaposing such labels on Pakistan is unfair, uncalled for and plain myopic business attitude. Radical white supremacist are gaining numbers everyday in Germany and Austria and UK, do you not consider them when you do business there? India has its own share of problems as far as terrorist organizations are concenred – including the Indian Maoist movement known as the Naxalites, but that does not stop PayPal from operating there now does it? So please think rationally when it comes to Pakistan and stop generalizing and compartmentalizing us.

Pakistani individuals and small businesses are making great strides on freelancing portals (like Elance, oDesk, RentaCoder, etc.) and other web outsourcing platforms where they deliver fantastic services.

Users here are forced to pay hefty fees associated with bank wire transfers, Western Union, 2Checkout, Liberty Reserve, Moneybookers, etc. to get paid.

The very least PayPal can do – is to get in touch with the right institutions here in Pakistan and work with them to have their issues addressed. Until and unless PayPal will not take the first step, the Government of Pakistan and its institutions are helpless, not to mention the 20 million Internet users and the nearing 100 million cellphone users. We as citizens can only do our digital protest in the hopes we get your attention – the walk you must walk!

If anyone in PayPal is reading this, please get in touch with myself, at fk (at) faisalkhan (dot) com and I shall duly put you in touch with the three institutions I mentioned. I do with without any self-servicing agenda or motive. I too like everyone else would like PayPal to be present in Pakistan.

Its been too long for us not to have PayPal and you have it within yourselves, the power, the will and determination to change that for the 20 million Internet users in Pakistan.

"Hope is not a dream but a way of making dreams become reality."

- L. J. Suenens

Here is some very interesting (read: shocking) statistic for you: (accurate as of 15th January, 2010).

• Number of Countries in the World: 192 (as per United Nations) [i]
• Number of Countries in the World: 195 (if we include Kosovo, Vatican City, etc.)
• US State Department Recognized Countries: 194
• Number of Countries in which PayPal Operates: 189[ii]
• Number of Countries that do NOT have Paypal: 5 (as per US State Department’s count)
• GDP Ranking (as compiled by IMF) for Pakistan for the year 2008 out of 179 Countries is # 48[iii]
• GDP Ranking (as compiled by World Bank) for Pakistan for the year 2008 out of 182 countries is # 46[iv]
• Internet Users in Pakistan: 18.5 Million (as per December 2009)[v]
• Internet users (as a percentage of the population): 10.6%

As of now, PayPal operates in 189 countries, that is like only six countries where Paypal does NOT operate:

• Cuba
• Pakistan
• Iran
• North Korea, and
• Afghanistan
• Syria

So lets see, Cuba has an embargo on trade with the US – has been for past 40+ years, so that is okay.

Iran, North Korea and Syria are “Axis of Evil” countries. So that’s understandable.

Afghanistan – is where the US is fighting it main battle $200+ Billion lost – okay so that is also understandable,

Pakistan – Ah! Pakistan. US’s Non-Nato Ally. Why the heck is Pakistan left out? I mean for crying out loud, even Somalia and Yemen have access to Paypal? Bloody Yemen! Bloody Somalia! Bloody Rwanda!

You know what? That makes me – Bloody Angry!

Why the discrimination – I have no idea. Reminds me of the song by the Pet Shop Boys, “What Have I Ddone to Deserve This?”

Here are the list of countries where PayPal is operating:

[ii] Source: Paypal (www.paypal.com) and navigate to Sign-up Page (countries list extracted from there).

[iii] Source: http://en.wikipedia.org/wiki/List_of_countries_by_GDP_(nominal)

[iv] Source: http://en.wikipedia.org/wiki/List_of_countries_by_GDP_(nominal)

[v] Source: http://www.internetworldstats.com/stats3.htm#asia

Its that time of the year again when I shall be writing my annual letter to the CEO/President of PayPal and Ebay (Ebay owns Paypal), complaining to them as to why they are not in Pakistan.

Last year I was very hopeful that would reply back (despite writing to them twice). This year, I have much more than a simple letter in mind for them. I almost feel like betting here (that they will reply back, else I shall eat my letter). Note, I said, I ‘almost’ felt like betting.

Anyhow, I am compiling and researching and have almost completed it. I should be penning my thoughts and arguments in the coming days and hope to have the letter go out before the end of January 2010.

Stay tuned.

The (2nd) set of Open Letters written to the CEO of Ebay and PayPal were delivered. See below for proof of delivery.

Letter Delivered to CEO of Ebay

Letter Delivered to CEO of PayPal

Dear Readers,

I need your help.

For years I have been writing to Ebay and PayPal to inquire as to why their services are not available in Pakistan. I have never received a reply from them. This year, I decided to pursue this more assertively. In January of this year I wrote a letter to the CEOs of Ebay and PayPal respectively (the contents of the letter can be read here). I waited for a month – no reply from them.

Just yesterday I wrote another letter to them. Let us see if second time is the charm.

However, what I need from you – is to spread the word – on your blog. The more you help in spreading this issue around – the more activists and lobbyist effort we can garner.

All I am asking you is for you to highlight the same in your own words (about the two letters I wrote) to your readers. Feel free to highlight the non-availability of both Ebay and Paypal in Pakistan as you feel fit. But highlight you must!

Feel free to cross-link to the two letters: (it is not mandatory that you do so, lest I be accused of increasing the back-links for my blog – back-linking won’t help me in any manner, since I do not run any advertisements on my website, hence traffic and popularity is not something I am seeking).

An Open Letter to John Donahoe, CEO of Ebay (Parent company of PayPal)
http://faisalkhan.com/?p=554

PayPal in Pakistan (Part II)
http://faisalkhan.com/?p=623

It is very easy to rant in this digital age… A lot of people have personally written emails to me, saying it won’t work. Citing many theories as to why PayPal / Ebay does not want to do business here in Pakistan. The Nay-sayers are plenty. But those are are willing to help and contribute towards this effort/initiative – outnumber the Nay-sayers by orders of magnitude.

I think we need to approach this with patience and without giving up hope. Dr. Ian Wilmut who first successfully cloned “Dolly” the sheep, got it right after 276 attempts. Imagine that – 276 attempts!!!

Being persistent pays off.

I am no Dr. Wilmut, and we certainly have no sheep to be cloned. But if it takes 276 attempts to get PayPal in Pakistan – why not!

A journey of a thousand miles begins with the first step.
An ancient Chinese proverb

I thank you in advance.

Regards,

FAISAL KHAN

Earlier this year, I sent a letter to the CEO of Ebay (Ebay is the parent company of PayPal), and to the CEO of PayPal itself.

The contents of the letter can be viewed here. The delivery snapshots as provided by Fedex can be seen below.

Proof of Delivery receipt for Letter to CEO of Ebay: John Donahoe

Proof of Delivery receipt for Letter to CEO of PayPal: Scott Thompson

I have not received any reply so far (which was quite disappointing).

So, yet again, I am writing another letter to them. Contents of which can be seen below.

________________________

February 12, 2009

John Donahoe
President and CEO
eBay Inc.
2145 Hamilton Avenue
San Jose, CA 95125
USA

Subject: PayPal for Pakistan

Dear Mr. Donahoe,

I am writing to you to inquire as to why Ebay and Paypal services are not available in Pakistan. It is very disheartening to note that whilst countries like Angola, Yemen, Uganda, Madagascar, Jordan, Kuwait and Rwanda (to name a few) can enjoy the benefits of PayPal, Why is Pakistan left out?

Pakistan is home to 17+ Million users of the Internet. Mobile users are hovering around the 80+ Million mark. The population is 160 Million. Our banking system is robust and seasoned, whilst our digital infrastructure is top-notch, having many firsts (for example: we have the world largest Wimax deployment).

For years I have personally been writing to Ebay/PayPal, but have never received a reply, which in this day and age, is quite disappointing.

The main objective of this letter to know (not superficially, but in detail) what is preventing the inclusion of Pakistan in the countries where PayPal / Ebay services can be offered.

A lot many professional organizations in Pakistan are willing to lend support to the cause, should Ebay/PayPal require so.

If there are any policy or government issues preventing your organization from doing business here, kindly do highlight the same so that at the very least we can start addressing the issue.

I just want to be able to have an eBay and a PayPal account from Pakistan. In the event you want to reach me, the easiest way is via email, my personal email address is babushka99@gmail.com and official email address is faisal@nacspl.com

Regards,

FAISAL KHAN
CEO
Net Access Communication Systems (Private) Limited

CC: Mr. Scott Thompson, President, PayPal.

A few days ago, I embarked on my annual routine of writing to Ebay and PayPal – asking them why their services are not being offered in Pakistan? I have been doing this for a couple of years now.

This year, I decided to write a letter and write to the very top, i.e. the two CEOs of Ebay and PayPal, John Donahoe & Scott Thompson.

Rather than just email, I decided to formally send a letter and Fedex’d it to them. The letters were delivered yesterday. Now it is a wait and see – as to what they will say.

Tracking numbers for the two letters sent to eBay and PayPal as given by FedEx.

John Donahoe (eBay); 8611-4108-2030
Scott Thompson (PayPal) ;8611-4108-2040

Track them at http://www.fedex.com/pk/

January 11, 2009

John Donahoe
President and CEO
eBay Inc.
2145 Hamilton Avenue
San Jose, CA 95125
USA

Subject: PayPal for Pakistan

Dear Mr. Donahoe,

I understand you are someone who is immensely busy and have thousands of other important issues to deal with, but I thought I’d try my luck with you. I’ve been writing to PayPal / eBay since 2002 regarding issuance of PayPal accounts for Pakistan, in 2005 I started including eBay in my correspondences to include eBay accounts for Pakistan.

I have never received a reply back. Twice in the past, I received a reply back (filed via customer services) that my ‘complaint’ has been lodged and PayPal will look into it. Other than that, have not gotten a satisfactory reply.

The issue – simple. Why is eBay / PayPal not being offered for Pakistan?

I just finished reading an article on your hand-on approach in TIME Magazine (Issue 12 January 2009 – Asian Edition, Page 35, written by Kristina Dell), it simply compelled me to get on the computer and write another letter to eBay / PayPal. The article gave me hope (again!)

Pakistan – purely from your business perspective may not be that big of an economy, but it surely has an economy that is larger and more active than Bhutan, Chad, Honduras, Somalia, Maldives, Rwanda, Uganda, Yemen —combined!

If these countries can have the privilege of obtaining a PayPal account, why not Pakistan?

As Pakistanis cannot legally have a PayPal account, 1000s of users here circumvent the system and obtain PayPal IDs from their friends and relatives abroad to use and conduct commerce. This should be of no surprise to you.

The same can be said about eBay.

Like I cited, we may not be that big on your radar, perhaps we’re not even equated to a blip, but a country of 170 Million, to be blatantly ignored (you may agree or disagree on my choice of words, if the above mentioned countries can have PayPal, I’d like to know what piece of legislation, law, banking infrastructure, etc. prevents eBay/PayPal from including Pakistan under your countries-in-which-you-work umbrella).

Pakistan’s predominant trading Partner happens to be the US. Within respect to both imports and exports (discounting oil).

The first time I experienced eBay and PayPal in the summer of 2001 whilst briefly working in the US – I was mesmerized to say the least. Till date, I wish we had the privilege of conducting business on a website so many take for granted.

This is not meant to be a protest letter by any means. In fact it is one of a very humble request. A request whose time has come, and was long overdue. I have in the past cited my willingness to help, providing information or getting eBay / PayPal connected to Banks, regulators, whomsoever you would like to meet. I am, in no way proposing or advocating a ‘role’ for myself – my intention is just to help.

Is it too much to think that perhaps this one letter will get the ball rolling. Or if the ball is already rolling, yield the desired result. Will this letter be tacked on your things-to-do board and actually get done with? Is this the right time to plead the case for my country?

I’ll end my letter with a quote from Dale Carnegie (sorry, couldn’t find a befitting Irish quote) “Most of the important things in the world have been accomplished by people who have kept on trying when there seemed to be no hope at all.”

I just want to be able to have an eBay and a PayPal account from Pakistan. In the event you want to reach me, the easiest way is via email, my personal email address is babushka99@gmail.com and official email address is faisal@nacspl.com
Regards,

FAISAL KHAN
CEO
Net Access Communication Systems (Private) Limited
Karachi, Pakistan.

CC: Mr. Scott Thompson, President, PayPal.

Am updating this article: Have setup a website that now has all the relevant information:

http://OnlinePaymentsGuide.com

A lot of people continuously bombard me with the questions as to who the best online payment processor is, from where can I get an online merchant account for their website to accept payments, is there an alternative of Paypal, How can I get a paypal account, etc.

So here is my condensed list. Over the days, I will slowly make public the reviews I had done on each and everyone of these payment processors / gateways, etc.

For now, be content with the list, hope it helps. If you know of any other, please do write it down in the comments section.

2CO
Alert Pay
Alter Gold
Authorize.net
Bank of America
Blue Pay
Cash U
CC Avenue
CC Bill
CC Now
CDG Commerce
C-Gold
Charge
Concorde FS Net
CyberBit
Dao Pay
Durango Merchant Services
eCharge
EBS (Processor for Indian companies only)
EC Suite
Echo Online
E-Gold
Elavon
Electracash
Entropay
ePassporte
Face Book Payment
Application
Fail Safe Payments
Fastspring
First Pay
Gate2Shop
GloBill
Go Real Time
Google Payments
iKobo
InstaBill
IntaBill
Internet Secure
iTransact
Liberty Reserve
Link Point
Miva Merchant
MoneyBookers
Money Gram
Net Billing
No Chex
Pay Omo
Pay Pal
Pay Pay
Payoneer
Pecunix
Planet Payment
Plimus
Plug n Play
PS Bills
PSI Gate
RegNow
Revolution Money Exchange
Robo Xchange
RTWare
Safe Charge
Safe Pay Card
Safe Pay Solutions
Skip Jack
Trans First
Via Klix
Western Union
WM Transfer
World Pay
W-Pay
Xcoin
Xoom

Entries in Bold, needless to say are the most well-known ones.