---
title: "Franfinance SWIFT/BIC code FRANFR21XXX · France | Elucidate"
description: "Licensed in France: Payment institution (Prudential Supervisory and Resolution Authority). SWIFT/BIC code FRANFR21XXX for Franfinance, France. 1 branch BIC."
url: https://elucidate.co/directory/franfinance-franfr21
---
1. [Directory](https://elucidate.co/directory)
2. [France](https://elucidate.co/directory/country/fr)
3. Franfinance
France · Payments & e-money
# Franfinance
Franfinance is a French société anonyme with its registered office in Puteaux. The ACPR authorises it as a société de financement and lists it on its register as a payment institution. The firm states that it is also under the prudential supervision of the European Central Bank. It describes itself as the wholly owned subsidiary of the Société Générale group dedicated to consumer credit and leasing for the French market. It lends to individuals directly and through retail and e-commerce partners. It also provides leasing and equipment finance to businesses and credit expertise to Société Générale group entities.
Register status
Licensed in France
Payment institution · Prudential Supervisory and Resolution Authority
Prudential licence
[1 licence or registration ↓](https://elucidate.co/directory/franfinance-franfr21#licences)
BIC **FRANFR21XXX** LEI **[969500FOY8TU4THH6S92](https://search.gleif.org/#/record/969500FOY8TU4THH6S92)** [Licence no. **719807406**](https://elucidate.co/directory/franfinance-franfr21#licences) Passive participant (no connection) [In a G-SIB group · Société Générale](https://elucidate.co/directory/franfinance-franfr21#group) [**1** branch code](https://elucidate.co/directory/franfinance-franfr21#branches) [Group: Societe Generale](https://elucidate.co/directory/group/O2RNE8IBXP4R0TD8PU41) [Claim this profile](https://elucidate.co/directory/franfinance-franfr21#claim)
## Licences and registrations
Held by Franfinance (LEI 969500FOY8TU4THH6S92). 1 entry on 1 of the 22 tracked registers, retrieved 25 September 2026.
| Register | Licence | Number | Jurisdiction | Status | Registered | Ends | Activities | Register entry |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| [EBA PSD2 Register](https://elucidate.co/directory/register/eba-psd2) Prudential Supervisory and Resolution Authority Linked by LEI. Matched by Elucidate to GLEIF on name, country and address. | Payment institutionPayment Institution | 719807406 | [France](https://elucidate.co/directory/country/fr) | Active | 2014-10-06 | — | - Payment services - Card acquiring - Account information | [Search the register ↗](https://euclid.eba.europa.eu/register/pir/search) |
- Licences belong to the legal entity, not to a BIC.
- Each licence applies in the country of the regulator that granted it.
- Registers are tracked in 37 countries. Licences granted elsewhere are not recorded here.
- The register entries and their trading names were not matched against sanctions lists. The sanctions facts on this page cover the BIC and its LEI only.
## Regulatory status
### FSB · global systemically important banks
2025 list
- **G-SIB:** Société Générale
- **Relation:** In a G-SIB groupGLEIF records a G-SIB entity as this legal entity’s ultimate parent. The bucket applies to the group, and membership does not make this entity a bank.
- **Bucket:** 1 of 5 · extra capital buffer 1.0% of risk-weighted assets
- **On the list since:** 2011
## European registers
### ECB · monetary financial institutions
List as at 2026-09-25
- **Category:** Other monetary financial institution
- **Minimum reserves:** Not on the ECB reserve list
- **Listed as:** Franfinance
- **RIAD code:** FR16760
Entries are matched on the LEI. Each register is quoted as its publisher lists it.
## Swift network
Swift’s ISO 9362 BIC directory
- **BIC:** FRANFR21XXX head office
- **Connection to Swift:** Passive participant (no connection)
- **Swift GPI:** Not on the member list
- **Payment schemes and systems:** No entry in the EPC registers, the ECB T2 and TIPS lists or the SIX Bank Master cites this BIC
- **Branch codes:** [1 branch code](https://elucidate.co/directory/franfinance-franfr21#branches)
- **Other BIC with this LEI:** [FRANESM1](https://elucidate.co/directory/franfinance-sucursal-en-espana-franesm1)
- **BIC first registered:** 2001-09-01
- **Last updated:** 2020-06-26
## Overview
Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/franfinance-franfr21#overview-sources)
Customers
Not published
Employees
1,050
headcount · Group · 31 Dec 2025 · [company statement ↗](https://franfinance.com/nous-connaitre/en-chiffres/)
Ownership
Group subsidiary
SG FINANCIAL SERVICES HOLDING
Firm type
Lending or buy now, pay later
Trades as Franfinance
- **Ownership:** The firm describes itself as a 100% subsidiary of the Société Générale group, and its GLEIF record names SG Financial Services Holding as its direct parent.
- **Direct parent:** [SG FINANCIAL SERVICES HOLDING ↗](https://search.gleif.org/#/record/969500S7VRALVOC22W60), France
- **Ultimate owner:** Société Générale, France
- **Head office:** Tour Granite, 17 cours Valmy, CS 50318, 92800 Puteaux, France
- **Company register:** RCS Nanterre 719 807 406
### Online
- **Websites & references:** [franfinance.com ↗](https://franfinance.com/) [franfinance.fr ↗](https://www.franfinance.fr/) consumer credit site [franfinance-online.com ↗](https://www.franfinance-online.com/epa/#login) consumer-credit partner portal [flashlease.com ↗](https://www.flashlease.com/flashlease#/) leasing partner portal (Flashlease) [opencredit.franfinance.com ↗](https://opencredit.franfinance.com/) Open crédit Franfinance (partner API) [Wikipedia ↗](https://fr.wikipedia.org/wiki/Franfinance)
- **Official social accounts:** [LinkedIn ↗](https://www.linkedin.com/company/franfinance) · [X ↗](https://twitter.com/FRANFINANCE) · [Facebook ↗](https://www.facebook.com/pages/FRANFINANCE/671153199668234) · [Instagram ↗](https://www.instagram.com/franfinance/) · [YouTube ↗](https://www.youtube.com/c/Franfinance)
Sources · 9 pages consulted
1. [franfinance.com/mentions-legales/](https://franfinance.com/mentions-legales/)
2. [franfinance.fr/mentions-legales/](https://www.franfinance.fr/mentions-legales/)
3. [franfinance.fr/](https://www.franfinance.fr/)
4. [regafi.fr/spip.php?bic=&cat=21-TBR07&cib=&denomination=&id\_secteur=1&lang=fr&nom=&num=&page=export&](https://regafi.fr/spip.php?bic=&cat=21-TBR07&cib=&denomination=&id_secteur=1&lang=fr&nom=&num=&page=export&retrait=0&siren=&siren_agent=&sort=sta_asc&type=advanced)
5. [franfinance.com/nous-connaitre/en-chiffres/](https://franfinance.com/nous-connaitre/en-chiffres/)
6. [franfinance.com/nous-connaitre/notre-histoire/](https://franfinance.com/nous-connaitre/notre-histoire/)
7. [franfinance.com/franfinance-elu-service-client-de-lannee-categorie-organisme-de-credit-pour-la-deuxieme-f](https://franfinance.com/franfinance-elu-service-client-de-lannee-categorie-organisme-de-credit-pour-la-deuxieme-fois/)
8. [societegenerale.com/fr/actualites/newsroom/frederic-jacob-peron-nomme-directeur-general-de-franfinance](https://www.societegenerale.com/fr/actualites/newsroom/frederic-jacob-peron-nomme-directeur-general-de-franfinance)
9. [fr.wikipedia.org/wiki/Franfinance](https://fr.wikipedia.org/wiki/Franfinance)
## Authorisation
Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/franfinance-franfr21#overview-sources)
- **Operates under:** Its own licences
The ACPR authorises the firm as a société de financement and a payment institution. The firm states that it is also supervised prudentially by the European Central Bank. It is registered with ORIAS as an insurance intermediary.
| Authority | Licence or registration | Number | Held | Status | Source |
| --- | --- | --- | --- | --- | --- |
| Autorité de contrôle prudentiel et de résolution (ACPR) France | Société de financement | 16760 | In its own name | Active | [franfinance.fr ↗](https://www.franfinance.fr/mentions-legales/) |
| Autorité de contrôle prudentiel et de résolution (ACPR) France | Payment institution (payment services, card acquiring, account information) | 719807406 | In its own name | Active | — |
| ORIAS (Registre unique des intermédiaires en assurance, banque et finance) France | Courtier d'assurance (insurance broker) | 07 008 346 | In its own name | Active | [franfinance.fr ↗](https://www.franfinance.fr/mentions-legales/) |
Licences and registrations the research found, at home and abroad, as the firm and its regulators publish them. The Licences and registrations card shows the entries on the registers the directory tracks.
## Products and markets
Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/franfinance-franfr21#overview-sources)
- Lending
- Buy now, pay later
It offers personal loans, revolving credit, debt consolidation and credit insurance to consumers, point-of-sale financing through retail partners, and leasing and loans to businesses through equipment vendors.
The firm describes its business as serving the French market. A separate subsidiary, Franfinance La Réunion, operates on Réunion.
- **Sells to:** Consumers · Small businesses · Enterprises · Financial institutions
- **Serves customers in:** France
## Leadership
Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/franfinance-franfr21#overview-sources)
- **Chief executive:** André Gardella Directeur Général Confirmed 29 Sep 2026 · [franfinance.com ↗](https://franfinance.com/mentions-legales/)
- **Executive:** Olivier Delaporte Directeur Général (named as publication director on franfinance.fr) Confirmed 29 Sep 2026 · [franfinance.fr ↗](https://www.franfinance.fr/mentions-legales/)
## Recent events
Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/franfinance-franfr21#overview-sources)
1. Sep 2023
Merger / acquisition
Cegelease, a subsidiary of the firm, merged with ITL Equipment Finance, and the ITL brand was discontinued.
[franfinance.com ↗](https://franfinance.com/nous-connaitre/notre-histoire/)
Compliance-relevant events of the last three years, newest first: fines and enforcement, investigations, security incidents, licence changes, funding rounds, acquisitions and leadership changes. Each links to its source.
## Identifiers
Head-office record
- **BIC:** FRANFR21XXX
- **How the BIC breaks down:** 1. FRAN Bank 2. FR Country · France 3. 21 Location · passive 4. XXX Branch · head office
- **Branch description:** Not recorded in the directory
- **LEI:** 969500FOY8TU4THH6S92
- **LEI record:** [View on GLEIF ↗](https://search.gleif.org/#/record/969500FOY8TU4THH6S92)
- **Licence no. · EBA-PSD2:** 719807406
- **How the LEI was matched:** BIC: Mapped to this BIC in the Swift and GLEIF BIC-to-LEI relationship file. Register entry: Matched by Elucidate to GLEIF on name, country and address.
- **Register-entry ID:** 7df499bf6af8
- **National bank code:** [Code interbancaire (CIB) 16760](https://elucidate.co/directory/franfinance-franfr21#bank-codes)
## Profile
- **Type:** Payments & e-money
- **Regulation:** Prudential licence
- **Register licences:** [1 entry on 1 register](https://elucidate.co/directory/franfinance-franfr21#licences)
- **Activities:** - Payment services - Card acquiring - Account information
- **Licensed in:** [France](https://elucidate.co/directory/country/fr)
- **Country · region:** France · Europe & Central Asia
- **FSB G-SIB list:** [In a G-SIB group · Société Générale](https://elucidate.co/directory/franfinance-franfr21#regulatory) list of 2025
- **Banking supervision:** Not on the ECB's list of supervised entities as of 2026-07-01
- **Trading venues (MIC):** No MIC registered under this LEI list of 2026-09-17
- **OFAC sanctions:** No listing cites this BIC
- **EU sanctions:** No listing matched this BIC or its LEI
- **Country sanctions:** No country programme
Types come from Swift’s BIC classification, the licences on the 22 tracked registers, and the ECB and FSB bank lists. Most banks outside the euro area appear as financial institutions, because their supervisors’ registers are not tracked yet.
## Ownership and group
GLEIF relationship records
- **Direct parent:** Sg Financial Services Holding · France[969500S7VRALVOC22W60 ↗](https://search.gleif.org/#/record/969500S7VRALVOC22W60)
- **Ultimate parent:** [Societe Generale](https://elucidate.co/directory/societe-generale-newgfrp1) · France[O2RNE8IBXP4R0TD8PU41 ↗](https://search.gleif.org/#/record/O2RNE8IBXP4R0TD8PU41)
- **FSB G-SIB list:** [In a G-SIB group · Société Générale](https://elucidate.co/directory/group/O2RNE8IBXP4R0TD8PU41) bucket 1 · 2025 list GLEIF records a G-SIB entity as this legal entity’s ultimate parent. The bucket applies to the group, and membership does not make this entity a bank.
The Societe Generale group has 86 institutions in the directory, in 39 countries: 82 hold a BIC and 4 do not.
Including [Societe Generale](https://elucidate.co/directory/societe-generale-sogegb2l), [Societe Generale Luxembourg](https://elucidate.co/directory/societe-generale-luxembourg-sgablull), [Societe Generale](https://elucidate.co/directory/societe-generale-sogeus33), [Societe Generale Sfh](https://elucidate.co/directory/societe-generale-sfh-gsfhfrpp), [Boursorama](https://elucidate.co/directory/boursorama-bousfrpp).
[See the Societe Generale group →](https://elucidate.co/directory/group/O2RNE8IBXP4R0TD8PU41)
Group membership follows the accounting-consolidation relationships reported to GLEIF. It does not show ownership shares or control.
## Addresses
- **Registered address:** 59 AVENUE DE CHATOU RUEIL- MALMAISON 92853 FRANCE
- **Operational address:** 57-59 AVENUE DE CHATOU RUEIL MALMAISON 92853 RUEIL MALMAISON CEDEX FRANCE
## ISO 20022 identification
As an agent in a Swift cross-border payment message (CBPR+)
A CBPR+ message identifies this institution by its BIC, and may add its LEI or a clearing code. CBPR+ does not allow a name and postal address next to a BIC.
- **Identified by:** BIC, with its LEI
- **Roles in CBPR+:** Debtor agent, creditor agent or an intermediary agent
### CBPR+
For cross-border payments on Swift: the BIC, with the LEI and clearing code where known
```xml
FRANFR21XXX
969500FOY8TU4THH6S92
```
### Full record
Every ISO 20022 element the directory holds. Base ISO 20022 allows them together. CBPR+ does not allow a name and address next to a BIC
```xml
FRANFR21XXX
969500FOY8TU4THH6S92
FRANFINANCE
RUEIL MALMAISON
FR
59 AVENUE DE CHATOU RUEIL- MALMAISON 92853
```
This BIC is not connected to Swift. Messages reach the institution through a correspondent bank, so it cannot be the instructing or instructed agent.
The BIC, name and address are as published in Swift’s BIC directory. The LEI comes from the Swift and GLEIF BIC-to-LEI file. Check them against your own records before use.
## National bank codes
### Code interbancaire (CIB) · France
1 code
| Code | Routes to BIC | Name in the national file | City |
| --- | --- | --- | --- |
| 16760 | FRANFR21XXX | Franfinance | PUTEAUX |
Each code shows the name in the national file. Smaller banks often route through a central institution’s BIC. A code can therefore belong to a different bank than the one on this page.
## Network
### Branch codes
| BIC | Branch | City | Address | LEI | Updated |
| --- | --- | --- | --- | --- | --- |
| [FRANFR21SSS](https://elucidate.co/directory/franfinance-franfr21-sss) | — | Rueil Malmaison | RUEIL MALMAISON RUEIL MALMAISON FRANCE | — | 2020-06-26 |
[See every BIC in France →](https://elucidate.co/directory/country/fr#bics)
## Related institutions
### Same legal entity
- [Franfinance, Sucursal En Espana BIC FRANESM1 Financial institution Not on a tracked register Spain · Not on a tracked register · LEI 969500FOY8TU4THH6S92](https://elucidate.co/directory/franfinance-sucursal-en-espana-franesm1)
Other BICs mapped to the same LEI.
### Subsidiaries in the directory
- [Compagnie Financiere de Bourbon BIC CONUFR21 Financial institution Not on a tracked register France · Not on a tracked register · LEI 969500M1XNLOXJ9HOI75](https://elucidate.co/directory/compagnie-financiere-de-bourbon-conufr21)
Entities that GLEIF records with this LEI as their direct parent.
### Same group
- [Societe Generale Sfh BIC GSFHFRPP Credit institution Prudential licence France · On the ECB list of supervised entities · LEI 969500KN90DZLHUN3566](https://elucidate.co/directory/societe-generale-sfh-gsfhfrpp)
- [Boursorama BIC BOUSFRPP Credit institution Prudential licence France · On the ECB list of supervised entities · LEI 9695003SJ7Z9C9HIGV14](https://elucidate.co/directory/boursorama-bousfrpp)
- [Societe Generale Scf BIC GSCFFR22 Credit institution Prudential licence France · On the ECB list of supervised entities · LEI 969500F9HMMIJD7DJC28](https://elucidate.co/directory/societe-generale-scf-gscffr22)
- [Banque Francaise Commerciale Ocean Indien BIC BFCOFRPP Credit institution Prudential licence France · On the ECB list of supervised entities · LEI 969500K8IQ975QPQKN89](https://elucidate.co/directory/banque-francaise-commerciale-ocean-indien-bfcofrpp)
- [Shine France S.A.S. BIC SNNNFR22 Payments & e-money Prudential licence France · Licensed by Prudential Supervisory and Resolution Authority · 828701557 (EBA-PSD2) · LEI 969500S8RRAA5IS7SK59](https://elucidate.co/directory/shine-france-s-a-s-snnnfr22)
- [Societe de Bourse Gilbert Dupont Snc BIC SBGDFRP1 Credit institution Prudential licence France · On the ECB list of supervised entities · LEI 969500UEQ3U3P21QNJ13](https://elucidate.co/directory/societe-de-bourse-gilbert-dupont-snc-sbgdfrp1)
- [Treezor BIC TRZOFR21 Payments & e-money Prudential licence France · Licensed by Prudential Supervisory and Resolution Authority · 807465059 (EBA-PSD2) · LEI 969500GB1GL7VLF5Y732](https://elucidate.co/directory/treezor-trzofr21)
- [Compagnie Generale de Location D'equipements BIC CGLEFR21 Credit institution Prudential licence France · On the ECB list of supervised entities · LEI 969500U7ESUWL7OBF125](https://elucidate.co/directory/compagnie-generale-de-location-d-equipements-cglefr21)
[All 86 institutions in the Societe Generale group →](https://elucidate.co/directory/group/O2RNE8IBXP4R0TD8PU41)
### Same name, different BIC
- [Franfinance BIC SORRFR21 Financial institution Not on a tracked register France · Not on a tracked register · No LEI mapped](https://elucidate.co/directory/franfinance-sorrfr21)
### Other payments & e-money institutions in France
- [Aplo Sas · trading as APLO No BIC Payments & e-money Crypto Prudential licence France · Licensed by Prudential Supervisory and Resolution Authority · 878929405 (EBA-PSD2) · also on ESMA-CASP · LEI 969500YKHZ31GZ7AAU02](https://elucidate.co/directory/aplo-sas-d10450e1dc56)
- [Circle Internet Financial Europe Sas · trading as CIRCLE No BIC Payments & e-money Crypto Prudential licence France · Licensed by Prudential Supervisory and Resolution Authority · 953990934 (EBA-PSD2) · also on ESMA-CASP · LEI 969500OYUDADGZKCR583](https://elucidate.co/directory/circle-internet-financial-europe-sas-44b976c8a384)
- [Coinhouse Sas · trading as COINHOUSE No BIC Payments & e-money Crypto Prudential licence France · Licensed by Prudential Supervisory and Resolution Authority · 815254545 (EBA-PSD2) · also on ESMA-CASP · LEI 969500E5GFHK2RKF8251](https://elucidate.co/directory/coinhouse-sas-6300d2a90c94)
- [Cometh Sas · trading as COMETH No BIC Payments & e-money Crypto Prudential licence France · Licensed by Prudential Supervisory and Resolution Authority · 892021577 (EBA-PSD2) · also on ESMA-CASP · LEI 894500R5KSX3ZKIHSA46](https://elucidate.co/directory/cometh-sas-0790176952a5)
- [Deblock No BIC Payments & e-money Crypto Prudential licence France · Licensed by Prudential Supervisory and Resolution Authority · 948264163 (EBA-PSD2) · also on ESMA-CASP · LEI 254900XTUI35BGIBXP21](https://elucidate.co/directory/deblock-6ef351dbc619)
- [Ezyness BIC GAILFRP1 Payments & e-money Prudential licence France · Licensed by Prudential Supervisory and Resolution Authority · 522058544 (EBA-PSD2) · LEI 969500LC14WDCRNTV833](https://elucidate.co/directory/ezyness-gailfrp1)
- [Finary Sas · trading as FINARY No BIC Payments & e-money Crypto Prudential licence France · Licensed by Prudential Supervisory and Resolution Authority · FR\_ACPR!758984 (EBA-PSD2) · also on ESMA-CASP · LEI 969500RQH18PU24DM081](https://elucidate.co/directory/finary-sas-19e286f4b6ca)
- [GOin SAS · trading as GOIN No BIC Payments & e-money Crypto Prudential licence France · Licensed by Prudential Supervisory and Resolution Authority · 839009669 (EBA-PSD2) · also on ESMA-CASP · LEI 894500LM6DICD790FQ34](https://elucidate.co/directory/goin-sas-37bbb1aeadcc)
[See all →](https://elucidate.co/directory/search?type=payments&cc=FR)
Claim this profile
## Work at Franfinance?
Claim this page to have it marked as verified by the bank, and to send us corrections. We verify every claim before anything changes on the page.
1. 01 **Submit** Tell us who you are, using your work email.
2. 02 **We verify** We check the email domain and confirm your role with the bank. This usually takes up to five business days.
3. 03 **Profile claimed** The page is marked as claimed and verified. You can send us corrections at any time.
Sources & method
Every value comes from a public source, such as Swift’s ISO 9362 BIC directory, GLEIF or the OFAC and EU sanctions lists. Most sources are matched on a BIC or an LEI, not on a name.
Swift GPI membership is matched on names and is indicative. A missing sanctions match does not mean that no listing applies. Always screen against the official lists.
Register entries are not screened against sanctions lists. The sanctions facts on this page cover the BIC and its LEI only.
An institution is one entry in the directory: a BIC8 in Swift’s directory, or a firm on a tracked register that holds no BIC. Licences held by an institution with a BIC are shown on its page.
[Read the methodology →](https://elucidate.co/directory/methodology)
Credits for this page
- **National bank codes**—France (Source: ACPR – REGAFI).
- **EBA PSD2 Register**—European Banking Authority (EBA) · [register ↗](https://euclid.eba.europa.eu/register/pir/search) as at 25 September 2026
- **Ownership and group**—GLEIF Level 2 relationship records (accounting consolidation), matched by LEI.
- **Overview, authorisation, partners, products, leadership and events**—researched per institution by an AI model with web search, from the firm's own website, terms and filings, regulators' registers and notices, company registers and news. Licences, partners, figures, people and events link to their source, and each card shows the research date. AI research can be wrong or out of date, so check key facts at the source.
- **European registers**—Source: European Central Bank (ECB), list of monetary financial institutions and list of institutions subject to minimum reserves. Matched on LEI by Elucidate.
- **Images**—logos and photos from Wikimedia Commons (credited with their author and licence) or from the institution's own website, where Wikimedia has none. Elucidate keeps a copy of each; the links lead to the source and the original image. Logo: [franfinance.com](https://franfinance.com/) (official website) · [original](https://franfinance.com/wp-content/themes/ac-wp-theme/img/logo-franfinance-nobaseline.svg).
## Assess the financial crime risk behind a BIC
A BIC identifies an institution; it does not assess it. The [Elucidate FinCrime Index (EFI)](https://elucidate.co/ratings) is an independent score of the financial crime risk of banks, built for correspondent banking and counterparty due diligence.
[Book a demo](https://elucidate.co/demo-request)
Licence and registration data are drawn from the public registers of the regulators named on each page and shown for information only; the official register is always the authority. LEIs and ownership are from GLEIF. Directory and gpi data are drawn from SWIFT's public sources. SWIFT, Swift gpi and UETR are trademarks of S.W.I.F.T. SC, Avenue Adèle 1, 1310 La Hulpe, Belgium. Elucidate is not affiliated with, endorsed by or sponsored by SWIFT or any regulator named here. Elucidate does not provide payment or other financial services.