Total System Services, Inc. (commonly referred to as TSYS), headquartered in Columbus, Georgia, provides payment processing services, merchant services and related payment services. It also provides reloadable prepaid debit cards and payroll cards, and demand deposit accounts to the underbanked. It is the largest third-party processor for issuing banks in North America, with a 40% market share, and one of the largest in Europe. It is a subsidiary of Global Payments.