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This is a payment service processor through the use of a debit card. It is available in most parts of the world, and it was created in 1985 as a response to the growing needs of the underbanked.

A huge number of people around the world needed to make purchases electronically but they were not credit-worthy enough to be approved for a credit line. And since there is a huge market for this demographic, the company decided to create something that allows a person to tie it up with either his checking or savings account.

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