Calpian’s wholly owned subsidiary, Calpian Commerce, provides the merchant community with an integrated suite of payment processing services and related software enabling products. Calpian Commerce offers , ACH, mobile acceptance and gateway payment solutions to merchants in the U.S. operating in a physical “brick and mortar” business environment and/or over the Internet, and in settings requiring wired as well as wireless/portable payment solutions. Calpian Commerce delivers its products and services to merchants via three delivery chains: a direct sales force, ISOs and Agent Banks.

Since April 2012, Calpian’s Indian subsidiary, , a pre-paid mobile payment solution, has been accessed by approximately 49 million unique telephone number customers at over 134,200 Indian retail locations.

Calpian’s management team has over 70 years experience in the payments business. The Company founded and publishes a leading industry trade journal, Transaction World Magazine and CEO, Harold Montgomery, is a recognized industry leader, frequent speaker at payments conferences and periodically serves as an expert resource on payments-related issues for both the Federal Reserve Bank and the U.S. Congress.