Total System Services, Inc. (TSYS) is a global payment solutions provider that provides services to financial and nonfinancial institutions. The Company operates in four segments consisting North America Services, International Services, Merchant Services and NetSpend. Through North America Services and International Services segments, TSYS processes information through its cardholder systems to financial institutions throughout the United States and globally. Its North America Services segment provides these services to clients in the United States, Canada, Mexico and the Caribbean. International Services segment provides services to clients in Europe, India, Middle East, Africa, Asia Pacific and Brazil. Its Merchant Services segment provides merchant services to merchant acquirers and merchants in the United States. NetSpend provides general purpose reloadable prepaid debit and payroll cards and alternative financial service solutions to the underbanked and other consumers.