Euronet is a global electronic payment and transaction processing company that enables financial institutions, retailers, service providers, and consumers to move money across more than 200 countries and territories. The company operates three core business segments: Electronic Funds Transfer (EFT), which manages a large network of ATMs and point-of-sale terminals and processes real-time payments and e-commerce transactions; epay, which distributes prepaid mobile airtime, digital media content, and gift cards through retail locations worldwide; and Money Transfer, which offers cross-border remittances and currency exchange services to consumers and businesses under the Ria, Xe, and Dandelion brands. Euronet generates revenues through recurring management fees, transaction-based charges, service commissions, foreign exchange margins, and surcharges, with no single customer representing more than 10% of consolidated revenues.