CPPO Members

With $55.8 billion in assets, ATB Financial is an Alberta-built financial institution that is a catalyst for economic growth in our province. We got started in 1938 to help Albertans through tough economic times and are still the only financial institution in more than 100 Alberta communities. ATB’s more than 5,300 team members love to deliver exceptional experiences to our nearly 777,000 customers in 173 branches, 141 agencies, 24-hour Client Care Centre, four entrepreneur centres, or through our digital banking options. Everything we do is focused on how we can serve Albertans—from providing expert advice and supporting entrepreneurs to helping Albertans buy a home and grow their wealth

Berkeley Payment Solutions delivers Mastercard and Visa prepaid card programs for corporations, governments, and financial institutions. As a trusted payment solutions provider, we help clients navigate the payments industry ecosystem and offer an extensive suite of services including prepaid card program management, product development, accounting and reporting, IT consulting and integration, processing, card design, and card fulfillment.

Blackhawk Network delivers branded payment solutions through the prepaid products, technologies and network that connect brands and people. We collaborate with our partners to innovate, translating market trends in branded payments to increase reach, loyalty and revenue. Serving 28 countries, we reliably execute security-minded solutions worldwide. Join us as we shape the future of global branded payments.

As one of Canada’s top business law firms, Blake, Cassels & Graydon LLP (Blakes) provides exceptional legal services to leading businesses in Canada and around the world. Serving a diverse national and international client base, our integrated network of 11 offices worldwide provides clients with access to the firm’s full spectrum of capabilities in virtually every area of business law. Whether an issue is local or multi-jurisdictional, practice-area specific or interdisciplinary, Blakes handles transactions of all sizes and levels of complexity.

Carta Worldwide delivers issuer transaction processing, designed for the evolution of banking and payments. Carta is the engine behind fintech innovation – empowering new financial service providers to offer disruptive solutions and enabling established banks to innovate for the rapidly changing market. Carta’s next generation platform – architected specifically to meet the complexities of the modern payments ecosystem – excels where legacy systems are challenged; delivering adaptive, modern solutions to enable innovation and optimize profitability.

Ceridian’s human capital management software helps HR and business leaders make smart decisions that deliver quantifiable value for their companies. It’s flagship platform Dayforce provides human resources, payroll, benefits, workforce management, and talent management functionality. The platform is used to optimize management of the entire employee lifecycle, including attracting, engaging, paying, deploying, and developing people. Ceridian has solutions for organizations of all sizes. Visit ceridian.com or follow @Ceridian.

Desjardins Group is the leading cooperative financial group in Canada and the sixth largest cooperative financial group in the world, with assets close to $268 billion. It has been rated one of the Best Employers in Canada by Aon Hewitt. To meet the diverse needs of its members and clients, Desjardins offers a full range of products and services to individuals and businesses through its extensive distribution network, online platforms and subsidiaries across Canada. Counted among the world's strongest banks according to The Banker magazine, Desjardins has one of the highest capital ratios and credit ratings in the industry.

DCBank is a Canadian leader in digital payment solutions for corporate online banking, empowering financial institutions and FinTech entrepreneurs to effortlessly scale their business. Confidently establish and adapt your own online banking product and payments platform, leveraging our powerful APIs. At DCBank you can count on a dedicated account executive, a personal approach to your specific requirements, and 24/7/365 Customer Support.

At EML we develop tailored payment solutions for brands and their customers to make lives simpler. Through next-generation technology, our portfolio of payment solutions offers innovative options for disbursement payouts, gifts, incentives and rewards. We're proud to power many of the world’s top brands and process over $18 billion in GDV each year across 28 countries in Australia, EMEA and North America. Our payment solutions in 25 currencies are safe and secure, easy and flexible, providing customers with their money in real-time. We know payments are complex, that’s why we've made the process simple, smart and straightforward, for everyone. We encourage you to learn more about EML Payments Limited, by visiting: EMLpayments.com.

Equitable Bank, Canada's Challenger BankTM, has grown to become the country's ninth largest independent Schedule I bank through its proven branchless approach and customer service focus in providing residential lending, commercial lending and savings solutions to Canadians. EQ Bank, the digital banking platform offered by Equitable Bank, provides state-of-the-art digital banking services. The EQ Bank Savings Plus Account reimagines banking for Canadians by offering the functionality of a chequing account to perform daily banking with ease, as well as a great everyday interest rate to help transactional balances grow into bigger savings. From unlimited Interac® e-Transfers and bill payments to payroll deposits and no monthly fees, everyday banking is now a richer prospect for Canadians. Equitable Bank employs over 900 dedicated professionals across the country. For more information about Equitable Bank and its products, please visit equitablebank.ca.

Finavator is a Fintech, Payments and Loyalty focused advisory firm that provides Digital Marketing, Product Strategy and Sales Acceleration to startups, enterprise and financial institutions with the objective of driving innovation, diversity and improving client experience.

G+D engineers trust to secure the essential values of the world. We develop security technologies with passion and precision in four major playing fields: enabling secure payment, providing trusted connectivity, safeguarding identities and protecting digital infrastructures. To our customers, we have been a reliable partner for almost 170 years.

Leveraging deep integrations into retailers' point-of-sale systems, InComm provides connectivity to a variety of service providers that allow consumers to conduct everyday business at more than 500,000 points of retail distribution. Whether those consumers are activating prepaid products, paying bills, enjoying real-time discounts through a membership card, purchasing digital goods in-store or adding funds to an online account, InComm is there to provide unique gift-giving opportunities, cater to on-the-go shoppers, deliver added value through loyalty programs and serve cash-based consumers. With 206 global patents, InComm is headquartered in Atlanta with a presence in more than 30 countries.

KOHO is a quickly scaling FinTech company that offers Canadians an alternative to their traditional banking experience. With an integrated app and reloadable Visa card, users get real-time insights into their money, along with instant cashback, round-ups, automated savings goals and more. Backed by Power Corp., Portag3 and Greyhound Capital, KOHO is an ambitious company looking to make a difference in the financial lives of Canadians. KOHO has raised two rounds of funding and won the NASDAQ Award for Best FinTech Co. Visit www.koho.ca for more information.

Founded in 2010, Marqeta is the first global modern card issuer, powered by the most advanced issuer processor platform built in over two decades. Marqeta’s open APIs allow a new generation of businesses on the cutting-edge of technology and finance like Square, Affirm, DoorDash, Kabbage and Instacart to build in innovative payment programs and experiences. Marqeta platform features like Just in Time Funding, dynamic spend controls and real time data insights allow customers to customize payment cards to meet the unique needs of their customers.

Mastercard (NYSE: MA), www.mastercard.com, is a technology company in the global payments industry. We operate the world’s fastest payments processing network, connecting consumers, financial institutions, merchants, governments and businesses in more than 210 countries and territories. Mastercard products and solutions make everyday commerce activities – such as shopping, traveling, running a business and managing finances – easier, more secure and more efficient for everyone.

Mogo Inc Is a Canada-based financial technology company. The Company offers a financial health application that offers consumers with simple solutions to help them manage and control their finances. It allows users to sign up for a MogoAccount and get access to six products including free credit score monitoring, identity fraud protection, digital spending account with Platinum Prepaid Visa Card, digital mortgage experience, the MogoCrypto account, which enables the buying and selling of bitcoin, and access to smart consumer credit products through MogoMoney.

Netspend empowers people with the choice, control and convenience to manage their money through intuitive, reliable and secure prepaid card and consumer payment solutions. Since 1999, we have helped over 10 million consumers make purchases, budget and pay bills using our seamless physical and digital financial options that fit their lives. Customers can find and reload Netspend Prepaid Cards at convenient locations nationwide through Netspend’s extensive network of 130,000 reload points and more than 100,000 distributing locations and employers, including check cashers, convenience stores, grocers, pharmacies, insurance providers and tax preparers. Headquartered in Austin, Texas, Netspend is a wholly owned subsidiary of TSYS (NYSE: TSS).

OmniPay Inc. is supervised and regulated by Central Bank of the Philippines as a Non-Bank Financial Institution with an Electronic Money Issuer license. It is committed to long-term partnerships as it operates exclusively on a business-to-business basis. With offices in the Philippines, Indonesia, Hong Kong and soon in Malaysia, Omnipay’s mission is to leverage technology to bank the unbanked in a sustainable manner to accelerate nation-building through inclusive growth. It aims to deploy innovative business models backed by customised technology to make financial and non-financial transactions more secure, efficient and seamless.

Onbe blends art, science and a quarter-century of experience to deliver branded payments with greater value for brands, their customers, employees, contractors, participants and channel partners around the world.

Onbe’s advanced payment technology includes virtual and physical prepaid, push pay and disbursements of all kinds for Canada and over 160 countries.

Onbe is owned by Syncapay, a holding company, “Investing in The New Frontier of Payments,” and backed by Bain Capital Ventures and Silversmith Capital Partners. Learn more about Onbe’s payment solutions at www.onbe.com/solutions.

Payment Source provides alternative payment solutions to organizations of all sizes and has the solution for every retail environment including; POS terminals, PC applications, mobile apps and integrated solutions. Now Prepay, a Payment Source company, provides prepaid mobile top ups, gift cards and financial products and services to more than 15,000 retailers across Canada. Through the proprietary Loadhub® network, Payment Source provides secure, real-time in-person payments capability in every community across Canada. Loadhub is the best possible solution for customers of reloadable card programs, mobile wallets, and anyone else looking to load funds to an account or take one-time payments or collections.

Peoples Trust is a financial institution headquartered in Vancouver, B.C., with offices across Canada. The Company forms the foundation of Peoples Group and is active in originating and servicing mortgages, with over $8 billion in assets under administration. It offers very competitive deposit products and through its subsidiary Peoples Card Services, is a pioneer sponsor of prepaid and credit card programs in Canada, and a market leader in both reloadable and non-reloadable prepaid card products of Visa and MasterCard. For more information, visit peoplescardservices.com.

REV Prepaid is a company that thrives on innovation. Our experienced team creates custom prepaid financial solutions for a wide-array of clients in a variety of sectors: automotive, financial, construction, hospitality, staffing agency, government, and more. At our core, we’re problem solvers who work with companies that want to add value and stay competitive. Together – with our industry leading partners, we are helping businesses manage their work-force, modernize payroll, and provide incentive solutions. All this and more. That’s us. That’s REV Prepaid.

Royal Bank of Canada is Canada’s largest bank, and one of the largest banks in the world, based on market capitalization. We are one of North America’s leading diversified financial services companies, and provide personal and commercial banking, wealth management, insurance, investor services and capital markets products and services on a global basis. We have approximately 80,000 full- and part-time employees who serve more than 16 million personal, business, public sector and institutional clients through offices in Canada, the U.S. and 35 other countries. For more information, please visit rbc.com.

Savvii Group Inc. (SAVVII) is redefining what it means to be in the driver's seat of complete financial health, providing security, AI-powered advice and industry-leading dynamic tools that impact virtually all elements of the financial journey for Canadians. For more information, to keep track of product launch progress or to join the current waitlist to get the "Smartest Card You'll Ever Need", while quantities last, visit https://savvii.ca/.

SightSpan is a boutique advisory group with local and international expertise focused on risk management and security matters. SightSpan team members use their specialized skillsets to identify risks, measure risks, analyze the probability of a risk event occurring and design risk mitigation strategies. SightSpan offers risk management advisory services to financial services firms, including banks, brokers, MSBs, payments and prepaid card services groups, governments and organizations in need of short term, on demand, compliance and security expertise.Some of the largest financial institutions in the world rely on SightSpan experts and solutions to mitigate compliance risk and uncover financial crime around the globe. SightSpan also assists governments in keeping people safe in dangerous or higher risk situations, deals with threat financing, money laundering and general illicit financial activities and designs communications and training programs to better assist citizens. The SightSpan team is focused on its core set of services and expertise to provide the most value for each individual client. The firm has clear policies and repeatable methodologies to complete projects in a timely manner, with the focus always remaining on client goals, trust, effective communications and success. SightSpan is headquartered in North Carolina and with offices around the world.

Founded in 2009, Spring Card Systems, develops and manages innovative co-branded prepaid payment solutions in both Canada and the US. We make adding a co-branded payment solution to a client’s menu of products and services simple and affordable while giving consumers a new way to handle financial transactions. Spring Card Systems helps our partners offer unique products that are specifically tailored to their customer base which provide convenience, new sources of revenue, and increased customer retention. We are well positioned in the payments and mobile industries to serve as the single point of contact for our partners to establish the initial business case, gather requirements, utilize best implementation practices and implement monitoring controls to help decrease risk but increase customer retention and profitability.

Tappy Technologies is a world leading wearable payment integrator connected to banking partners and card networks with operations that span across North America, APAC and EMEA. Tappy’s digital offerings and hardware white label solutions are fully trusted and certified by industry standards including PCI and EMVCo.

The Fletcher Group is the leading PR and marketing agency supporting the payments industry in North America. We specialize in serving growth industries that are influenced by trends in technology, commerce and consumer behavior. Our strong business acumen and writing skills allow us to create stories that connect with corporate and consumer audiences. We provide thoughtful PR and marketing solutions for several industries, including: fintech, payment, banking, mobile apps, retail and loyalty.

The North West Company Inc., through its subsidiaries, is a leading retailer of food and everyday products and services to rural communities and urban neighbourhoods in Canada, Alaska, the South Pacific and the Caribbean. North West operates 236 stores under the trading names Northern, NorthMart, Giant Tiger, Alaska Commercial Company, Cost-U-Less and RiteWay Food Markets and has annualized sales of approximately CDN$1.8 billion.

UnionPay International (UPI) is a subsidiary of China UnionPay focused on the growth and support of UnionPay’s global business. In partnership with more than 1500 institutions worldwide, UnionPay International has enabled card acceptance in 162 countries and regions with issuance in 42 countries and regions. UnionPay International provides high quality, cost effective and secure cross-border payment services to the world’s largest cardholder base and ensures convenient local services to a growing number of global UnionPay cardholders and merchants.