Total System Services (TSYS) helps consumers go paperless. The company is one of the largest electronic payment processors in the world, serving financial institutions and other companies that issue bank, private-label, prepaid, health care, or other types of cards. TSYS' products and services include credit authorization, payment processing, e-commerce services, card issuance, and such customer-relations services as fraud monitoring. It also provides merchant services, primarily in the US, where it serves about 20% of all credit card-accepting merchants. Through NetSpend (which it acquired in 2013), TSYS also issues prepaid and payroll cards to self-bank customers.