Qualpay has transformed an industry that was once centered on a strict gateway business model to one based on a much more agile and intelligent infrastructure. Consumers today have never had more ways to make payments. Thankfully our fully-integrated platform with its one merchant account allows businesses to accept payments across all of today's sales channels. Our unique platform allows merchants and our partners to anticipate and react to future business developments with in-depth and robust analysis that can inform business decisions and drive operational efficiencies. In an ever-changing economic world, we are helping businesses be successful today and well into the future.