Payment Data Systems Inc. is a processor of electronic payments for other companies. The Company operates in the United States under two operating segments: Payment Data Systems, and FiCentive, Inc. Payment Data Systems Inc. provides integrated electronic payment processing services to merchants and businesses, including all types of Automated Clearing House (ACH) processing, credit, prepaid card and debit card-based processing services. It also operates an online payment processing service, under the domain name www.billx.com system, which allows consumers to process online payments to pay any other individual, including family and friends. The Company provides prepaid card processing services for merchants and consumers through its wholly owned subsidiary, FiCentive, Inc. It also offers MasterCard prepaid cards branded with its customers' corporation logos or trademarks.