Euronet Worldwide Inc (NASDAQ: EEFT) is a global payment services company that operates ATM networks, retail payment distribution, and money transfer services across more than 60 countries. It earns revenue through transaction fees charged on ATM withdrawals and card-based payments, margins on retail prepaid and digital content distribution, and fees on cross-border money transfers and currency exchange. The company operates through three segments: EFT Processing, epay, and Money Transfer. The EFT Processing segment runs ATM and point-of-sale networks primarily in Europe. The epay segment distributes prepaid mobile airtime, digital media content, and branded payments through approximately 749,000 POS terminals across 60-plus countries, partnering with 1,000-plus global brands, and accounted for approximately 28% of consolidated revenues in FY2025. The Money Transfer segment operates under the Ria Money Transfer, Xe, and Dandelion brands, providing cross-border payments to consumers and businesses in 207 countries. The company is headquartered in Leawood, Kansas and is incorporated in Delaware.

Revenue model

Transaction-fee model across three segments: per-transaction ATM and POS fees in EFT Processing, distribution margins on prepaid mobile airtime and digital content in epay, and transfer and currency-exchange fees in Money Transfer.

Products and services

ATM network operation and card processing (EFT Processing); prepaid mobile top-up, digital media content, branded payments distribution via ~749,000 POS terminals (epay); cross-border money transfers and currency exchange via Ria Money Transfer, Xe, and Dandelion real-time payments network (Money Transfer).

Customers and end markets

Consumers conducting ATM withdrawals and card payments in Europe; retail consumers purchasing prepaid mobile airtime and digital content across Europe and Asia Pacific; consumers and businesses sending cross-border remittances and payments globally; 1,000-plus global brands as content and payment partners in the epay network.

Value-chain role

Payment network operator and transaction processor sitting between financial institutions, content brands, and end consumers; acts as distributor of third-party digital content and as a cross-border payments intermediary.

Geographic exposure

Operations in 60-plus countries for epay; Money Transfer covering 207 countries; EFT Processing concentrated in Europe; company headquartered in Leawood, Kansas, USA.

Source: SEC 10-K, filed 2026-02-26

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