Xperteam is a specialized Company in innovative payment system. Xperteam background conducts the Company to focus on innovation, quality, reliability and security while delivering tangible values. Xperteam focus its activities on the business development and expertise in the following payment Systems fields: 1. Checks Switching: Xperteam has developed the system cheXWitch industrializing the patented concept of providing online information to the check recipient prior to its acceptance.. 2. Mobile Payments: Xperteam has signed a partnership agreement with the domain leader: Fundamo to resell and being the Middle East expertise center. 3. EBPP: “Electronic Bill Presentment and Payment” is the Bill Payment broker allowing various billers to collect their bills electronically. Xperteam has teamed with Scorisso Systems to deliver the service in the Middle East. 4. PCI-DSS: the card industry standard acquired the products and the expertise to secure payment systems and procedures.