The Georgia-based company offers a range of payment processing services, including processing consumer, retail, commercial, and government services, stored value and debit cards, and merchant acquiring services. Total System Services also provides risk management and revenue enhancement tools, such as credit evaluation, fraud detection and prevention, and customer retention programs. The company operates in the United States, Europe, China, Japan, Mexico, and Canada and has four operating segments: North America Services, International Services, Merchant Services, and NetSpend, which deals in prepaid debit and payroll cards. In 2013, Total System Services processed 28% of domestic consumer credit card accounts and 59% of domestic commercial credit card accounts.