Hello everyone!

On behalf of PYMNTS.com and our panel of judges, I am so pleased to present the finalists for the 2013 PYMNTS Innovator Awards.

Wow, what a tough assignment it was this year! We were truly humbled to read about all of the hard work and careful thinking that went into each and every one of the 500+ submissions that were received. In the end, it came down to this group of interesting and inspiring innovation - and so, now the final decision is up to you.

Please take the time to review the innovations listed below - and most importantly vote for your top pick in each category! As we did in 2012, awards will be given to the first, second and third place finishers - so it is really important that you express your preferences and do it for all of the categories here. There are lots of opportunities to be recognized!

We're going to keep the winners a secret until the evening of March 21, 2013 when we will be joined by you and your colleagues and B.J. Novak (!) to celebrate the innovations that are moving this dynamic industry forward.

Thank you - now get busy and vote! You have until March 8th to make your choice!

- Karen Webster, MPD CEO

Most Innovative Company

American Express US Card Services
Twitter Commerce

Allowing American Express cardholders to make purchases on Twitter through tweets that include special hashtags.
POS Initiatives

PayPal POS Initiatives that leverage its worldwide digital wallet accountholder base.
Payment Platform

One Internet-based payment platform supporting all international markets as well as all relevant sales channels (web, pos and mobile).
Payments Innovation

The portfolio of initiatives across the digital and physical channels that deliver payments innovation to Walmart customers.
Mobile Financial Services

Mobile banking and payments platform powering global financial institutions and networks

Most Disruptive Company

Mobile commerce platform

Enables merchants to accept credit cards with Square Register and consumers to pay using the Square wallet.
Venmo Touch

Mobile checkout service that enables one touch payments across multiple applications.
Digital Payments

Allows consumers and organizations to send and receive money from their bank accounts for only 25 cents per transaction, no matter how high the transfer amount.
White Label Mobile Payments App

Tool that lets merchants build their own custom app that uses LevelUp for payments, CRM, analytics, demand generation and more.
Discover Network
Licensing the Discover Network

Licensing the Discover network to innovators in order to enable merchant acceptance at 7+ million merchants.

Best New Technology

Payments 3.0

Combines payment cards, coupons and offers stored in the cloud with a mobile wallet app that allows consumers to make payments at merchants via traditional barcodes, QR codes or NFC.
First Data/CardSpring
OfferWise platform

Allows offer publishers to electronically attach offers such as deals, eCoupons and loyalty programs to one or more of a consumer’s payment cards or mobile wallet to enable streamlined and automatic redemption of the offer at the point of sale (POS).
OneID Sign-in

OneID lets people sign in without usernames and passwords, yet delivers authentication solutions with non-repudiation, keeping both people and businesses safe from today's biggest identity and personal information threats.
Voltage Security
Payment processing security

End-to-end data encryption solutions.
Merchant Warehouse
Genius platform

Payment acceptance solution with the ability to aggregate and integrate every payment type and value add in a single POS device.

Best Newcomer

US Treasury Rollout

Use of PayPerks prepaid card platform that rewards financial responsibiilty for SSA recipients.
Online short term lending

Website where consumers who have poor or no credit can apply for and receive small-dollar, short-term loans.
Subtle Data
POS API layer

An API platform makes it possible to connect third party apps to POS systems.
Small business payment processing

Full-stack payments including card storage, subscriptions, and straightforward PCI compliance.
Consumer financial account aggregation

Aggregates financial account information and allows users to manage their money in one place, online or with a mobile device.

Most Invisible Player

Mobile payments

Mobile wallet and transactions platform.
Fraud management

All-in-one fraud & risk management solution for card-not-present merchants.
Mobile gifting

Frictionless and secure mobile gifting that does not disclose financial information .
Demyst Data
Credit decisioning tool

Helps financial institutions make better customer decisions by providing real-time analysis of both consumer and small business profiles.
IP Commerce
Commerce 2.0 Platform

Platform-as-a-Service that powers POS 2.0 commerce solutions.

Best Credit Innovation

Credit Karma
Consumer credit management

The consumer’s advocate for demystifying credit with a range of tools and information resources to help them monitor and manage their financial health.
Social lending

Helps members engage their social network to gain access to financial services and loans.
Consumer expense management

Offers consumers “more time to pay” their bills on time to help avoid late fees, overdraft charges, service termination and high cost loans.
Lending Club
Alternative consumer lending services

Brings together investors with creditworthy borrowers to reduce the cost and complexity of traditional lending.
FlexWage Solutions
Flex Wage Payroll Card

Provides payroll cards with instant access to employees’ accrued wages, serves to replace high cost short term loans. The cards provide responsible payday lending options secured by employee wages.

Best Debit Innovation

Interactive social banking

Combining mobile payments with social media channels to empower and inform the user in everyday purchases.
Green Dot

Smartphone-based mobile bank.
Healthcare Payments

Easy online healthcare patient payments.
Alternative banking

Reinventing personal banking with modern online and mobile experiences, no surprise fees, and great customer service.
Perkstreet Financial
Alternative banking

Online financial services company helping consumers earn cash back for smart spending on debit.
    Walmart & American Express

Free checking and debit alternative.

Best Prepaid Innovation

Western Union
Western Union Prepaid

Prepaid Stored Value accounts for the 2B global underserved consumers delivering financial inclusion at a local level using unique Western Union assets.
Marqeta Card

First online-to-offline commerce and payments platform to enable dynamic multiple account functionality and select authorization all on one payments card.
Pangea Payments

A new way to send money anywhere, at a flat fee, instantly, leveraging the prepaid rails.
Prepaid Top-Up Platform

Global mobile payments platform providing prepaid top-up systems and mobile payment services for mobile operators, distributors, retailers and consumers.

Best Check Innovation

Remote check deposit

Mitek's patented mobile imaging technology allows users to remotely deposit checks from anywhere, at anytime by snapping a picture with their camera-equipped smartphone or tablet, and has become the "gold standard" for mobile check deposit.
eCheck technology

Enables businesses to send and receive 100% digital checks without risk, at a reasonable and transparent cost.
Verify Valid
eCheck technology

Enables the emailing of a check by a company or individual using a web-based service.
Secure Check

Patent-pending process that requires customers to go online to activate each checkbook much like they would activate credit cards by phone before their first use.
Check Imaging ATM Software

Image enablement/remote check capture and deposit for ATMs.

Best Cash Innovation

Royal Canadian Mint

Digital currency issued and backed by the Royal Canadian Mint.
PayNearMe Cash Network

Enables consumers to shop online and pay with cash easily for a wide range of goods.
SafePoint Electronic Safe Solutions

Integrated cash management/cash handling solution for a variety of retail and commercial establishments.

Cash alternative that uses numeric codes to transact securely online.
APG Cash Drawer
NetPRO Wifi Enabled Cash Drawers

Wi-Fi enabled cash drawer that communicates with retailer’s mobile POS devices for cash drawer control.

Best B2B Payments Innovation

Small business financing and funding

Online working capital for small businesses.
B2B payments platform

The killer app for building out B2B supplier and distribution networks and enabling B2B payments.
Bottomline Technologies
Paymode-X Network

Electronic payments and invoicing network.
OB10 Express Payments
Global eInvoicing

Global eInvoicing network specialising in streamlining accounts payable and accounts receivable processes.
Silicon Valley Bank/Mineral Tree
SVB PayAbility

A brand new cloud-based software solution that replaces laborious, paper-based payment processes with a simple, secure and mobile alternative.

Best POS Transformation

POS System

Integrated POS suite offered to merchants a flat monthly fee.
Breadcrumb/Groupon Payments

Integrated POS suite that provides commerce solutions to Groupon merchants.
POS System

Fully-integrated Mac, Mobile and iPad point of sale and retail management tools.
Revel Systems
POS System

Mobile POS software that provides real time reporting to track the sales at restaurants, grocery or retail stores.
POS System

Affordable, complete platform for running a shop from an iPad.

Best Small Business Innovation

GoPayment and Intuit Pay

Small business payment platform integrated with Quickbooks.
Small business financial and payments platform

Cloud-based, small business platform that integrates invoicing and payment acceptance in one system.
Capital Access Network

Alternative business financing that helps businesses tap into the capital it needs to run the business.
eBilling and eInvoicing software

Web-based electronic billing software and invoicing service that provides Automated Recurring Billing, Automated Credit Card, Electronic Payments.
Flint Mobile
Mobile Payments App

Hardware-less solution that enables merchants to process credit card payments easily and securely using only their phone.

Best Comeback Story

Foreign exchange

Facilitating foreign exchange and global payments for ecommerce merchants.
Global online payments

International online payment solutions for small and medium businesses.

Mobile app that allows consumer payments at local merchants and builds CRM for merchants.
Expense management

Allows clients to easily and efficiently manage expenses, accounting, reporting, marketing, cash flow and receivables in conjunction with a payment processing platform.
Capital Access Network
Small business working capital

Provides working capital solutions to small businesses.

Best Merchant Innovation

Healthy Foods Prepaid Card

Prepaid card integrated with POS that provides cash back to consumers that buy healthy foods based on SKU.
Starbucks Mobile Payment

Mobile payment app used that includes transaction and rewards points tracking.
Home Depot
Home Depot Mobile POS Payment

PayPal-enabled mobile payment solution that leverages PayPal digital wallets.
Dunkin' Donuts
Dunkin' Donuts Mobile Payment App

Mobile payment app that also includes nutritional information, a menu, a franchise locator and easy egifting.
Merchant mobile network

Mobile wallet solution formed by more than a dozen large retailers.