EVERTEC is a leading full-service transaction-processing and financial technology provider serving Latin America, Puerto Rico, and the Caribbean. The company operates a diversified business spanning merchant acquiring, payment processing services, business process management solutions, and licensed software across the entire payment processing value chain, including the ATH debit network which processes billions of transactions annually. EVERTEC generates recurring revenue from multi-year contracts with financial institutions, merchants, corporations, and government agencies through network fees, transaction processing fees, software licensing and usage-based fees, POS device rentals, and discount fees, with a direct sales force leveraging established customer relationships across 26 countries.