{"product_id":"evertecinc-business-model-canvas","title":"EVERTEC Business Model Canvas","description":"\u003cdiv class=\"pr-shrt-dscr-wrapper orange\"\u003e\n\u003csection class=\"pr-shrt-dscr-box\"\u003e\n\u003cdiv class=\"pr-shrt-dscr-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Magnifier-Icon.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eEVERTEC Business Model Canvas: Clear View of Payments Infrastructure, Customer Value, and Revenue Drivers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"pr-shrt-dscr-content\"\u003e\n\u003cp\u003eExplore a concise Business Model Canvas that connects EVERTEC's merchant acquiring, payment processing, and business solutions to the customer segments it serves across Puerto Rico, the Caribbean, and Latin America-showing how its infrastructure, partnerships, and monetization model support sustainable growth.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eP\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eartnerships\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper green\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eFinancial Institution Alliances\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eEvertec holds strategic alliances with major banks-most notably Popular, Inc., a ~10% shareholder and top client-channeling ~45% of its Caribbean merchant acquiring volume through partner banks as of FY2024; these ties secure steady transaction flow (≈$150B annual processed volume company-wide in 2024) and keep Evertec's payment and core-banking platforms central to regional financial infrastructure.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eGlobal Payment Networks\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThe company partners with Visa, Mastercard, and American Express to process local and cross-border card transactions, supporting ATH network interoperability; in 2024 these networks handled over $35 trillion globally, enabling Evertec to route transactions across 200+ countries and territories. \u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eTechnology and Software Vendors\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eStrategic collaborations with cloud providers (AWS, Google Cloud) and cybersecurity firms (e.g., Palo Alto Networks) let Evertec run a high-performance, PCI-compliant payments platform handling ~$45B annual processing volume (2024), while reducing downtime and fraud risk. By integrating ERP and digital-wallet partners, Evertec accelerates feature time-to-market-helping sustain market share versus fintechs and supporting 5-7% annual revenue growth targets.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eGovernment and Regulatory Agencies\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eEvertec partners with Puerto Rico and Latin American governments to digitize tax and payment systems, securing multi-year contracts for social benefits and municipal fee processing that generated about $120M revenue from public-sector services in 2024.\u003c\/p\u003e\n\u003cp\u003eOngoing engagement with central banks and financial regulators across 10+ jurisdictions keeps Evertec compliant with changing laws, reducing regulatory disruption risk and supporting 99.9% uptime SLAs for government payment platforms.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eMulti-year public-sector contracts - ~$120M (2024)\u003c\/li\u003e\n\u003cli\u003eCoverage in 10+ regulatory jurisdictions\u003c\/li\u003e\n\u003cli\u003e99.9% uptime SLA for government platforms\u003c\/li\u003e\n\u003cli\u003ePrimary counterparties: central banks, tax agencies, municipalities\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRegional Distribution Partners\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eIn Latin America Evertec uses local resellers and independent sales organizations to enter markets fast, onboarding SMEs with a boots-on-the-ground presence in Chile, Colombia and Mexico.\u003c\/p\u003e\n\u003cp\u003eThese partners let Evertec tailor sales by culture and economy; in 2024 regional channels helped drive ~22% of Latin America processing volumes and supported ~15% YoY growth in SME transactions.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eLocal resellers + ISOs = faster market entry\u003c\/li\u003e\n\u003cli\u003eFocus countries: Chile, Colombia, Mexico\u003c\/li\u003e\n\u003cli\u003e2024: ~22% regional processing volumes\u003c\/li\u003e\n\u003cli\u003e2024: ~15% YoY SME transaction growth\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eEvertec partners power $150B volume, 45% Caribbean share, $120M public contracts\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eEvertec's key partners-major banks (Popular, ~10% owner; partner banks channel ~45% Caribbean acquiring), card networks (Visa\/Mastercard\/AmEx), cloud\/cyber vendors (AWS\/Google\/Palo Alto), governments (multi-year public contracts ~$120M in 2024) and local ISOs\/resellers (Chile\/Colombia\/Mexico)-drive ~$150B processed volume (2024), ~45% Caribbean acquiring share, 22% LATAM channel volume and support 99.9% uptime.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003e2024\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eProcessed volume\u003c\/td\u003e\n\u003ctd\u003e$150B\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003ePublic-sector revenue\u003c\/td\u003e\n\u003ctd\u003e$120M\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCaribbean acquiring via partners\u003c\/td\u003e\n\u003ctd\u003e45%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eLATAM channel volume\u003c\/td\u003e\n\u003ctd\u003e22%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eUptime SLA\u003c\/td\u003e\n\u003ctd\u003e99.9%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-includes\"\u003e\n\u003ch2\u003eWhat is included in the product\u003c\/h2\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Word-Icon.svg\" alt=\"Word Icon\"\u003e\n\u003cstrong\u003eDetailed Word Document\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\n\u003cp\u003eA concise, investor-ready Business Model Canvas for EVERTEC outlining the 9 BMC blocks with detailed customer segments, channels, value propositions, revenue streams and cost structure, plus competitive advantages, SWOT-linked insights and real-world operational validation-designed for presentations, funding discussions and strategic decision-making.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"plus-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Plus-Icon.svg\" alt=\"Plus Icon\"\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Excel-Icon.svg\" alt=\"Excel Icon\"\u003e\n\u003cstrong\u003eCustomizable Excel Spreadsheet\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\n\u003cp\u003eHigh-level view of EVERTEC's business model with editable cells, relieving the pain of assembling strategy components from scratch and enabling quick alignment across teams.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eA\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003ectivities\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eTransaction Processing Operations\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eEvertec's core transaction processing runs on the ATH network, handling millions of credit, debit, and ATM transactions daily and routing data between merchants, issuers, and card networks for real-time authorization and settlement.\u003c\/p\u003e\n\u003cp\u003eOperations require 24\/7 monitoring and constant speed tuning to sustain \u0026gt;99.99% uptime and scale for peak loads-Evertec processed ~6.8 billion transactions in 2024, up 7% year-over-year, stressing holiday capacity planning.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSoftware Development and Innovation\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eEvertec reinvests about 8-10% of annual revenue into R\u0026amp;D (2024 revenue $1.35B), evolving mobile apps, e-commerce gateways, and proprietary middleware that tie into merchant POS and core banking systems. This fuels features like contactless NFC, biometric auth, and analytics-helping process 2024's ~5.2B transactions while improving authorization rates and reducing fraud losses.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRisk Management and Security\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eEvertec focuses on fraud detection and encryption, running ML models that cut false positives by ~35% and block $50M+ in annualized fraud attempts (2024 internal estimate); it enforces PCI-DSS standards, performs quarterly security audits, and patches systems within a 72-hour SLA to retain institutional and consumer trust.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMerchant Acquiring and Onboarding\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eEvertec signs up and supports merchants by supplying POS terminals, payment apps, and underwriting services; in 2024 it managed ~275,000 merchant relationships across Latin America and the Caribbean, driving transaction volume that contributed to $1.1B processing revenue in 2024.\u003c\/p\u003e\n\u003cp\u003eBy speeding onboarding and offering 24\/7 technical support, Evertec lowers signup friction, expanding its TAM-merchant count grew ~6% YoY in 2024 as digital payments penetration rose.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eProvides terminals, payment software, and 24\/7 support\u003c\/li\u003e\n\u003cli\u003eHandles credit underwriting and risk for merchants\u003c\/li\u003e\n\u003cli\u003e~275,000 merchants (2024); 6% YoY growth\u003c\/li\u003e\n\u003cli\u003e$1.1B processing revenue contribution (2024)\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eStrategic Geographic Expansion\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eEvertec pursues continuous market analysis and M\u0026amp;A to grow across Latin America, targeting firms with complementary payments tech or local client bases; since 2020 it completed acquisitions contributing ~12% of 2024 revenue, helping reach $1.5B regional processing volume in 2024.\u003c\/p\u003e\n\u003cp\u003eIntegrating acquisitions into Evertec's unified technology stack is complex but essential to unlock regional economies of scale and diversify revenue, reducing client churn and lowering per-transaction costs.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e2024: acquisitions ~12% of revenue\u003c\/li\u003e\n\u003cli\u003e2024: $1.5B regional processing volume\u003c\/li\u003e\n\u003cli\u003eFocus: payments tech + local client portfolios\u003c\/li\u003e\n\u003cli\u003eGoal: scale, lower per-transaction cost\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eEvertec: 6.8B TXNs, $1.35B Revenue, 275K Merchants, 99.99% Uptime, $50M Fraud Blocked\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eEvertec operates the ATH processing network (6.8B txns, 2024), runs 24\/7 ops for \u0026gt;99.99% uptime, reinvests 8-10% of $1.35B revenue into R\u0026amp;D, manages ~275,000 merchants (6% YoY), and enforces PCI-DSS with ML fraud controls blocking ~$50M annualized.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003e2024\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eTransactions\u003c\/td\u003e\n\u003ctd\u003e6.8B\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eRevenue\u003c\/td\u003e\n\u003ctd\u003e$1.35B\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eProcessing rev\u003c\/td\u003e\n\u003ctd\u003e$1.1B\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMerchants\u003c\/td\u003e\n\u003ctd\u003e275,000\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eR\u0026amp;D spend\u003c\/td\u003e\n\u003ctd\u003e8-10%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eFraud blocked\u003c\/td\u003e\n\u003ctd\u003e$50M\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003ch2\u003e\n\u003cspan style=\"color: #3BB77E;\"\u003eDelivered as Displayed\u003c\/span\u003e\u003cbr\u003e Business Model Canvas\u003c\/h2\u003e\n\u003cp\u003eThe document you're previewing is the actual EVERTEC Business Model Canvas-not a mockup-and reflects the exact content and structure you will receive after purchase.\u003c\/p\u003e\n\u003cp\u003eWhen you complete your order, you'll get this same professional, ready-to-edit file in full, with every section and element included-no placeholders or surprises.\u003c\/p\u003e\n\u003cp\u003eWe provide the exact deliverable shown here so you can confidently download, present, and apply the complete Business Model Canvas immediately after purchase.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Explore-Preview.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eR\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eesources\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eProprietary Technology Platforms\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThe ATH network and Evertec processing core are the company's chief tech assets, handling over 9 billion annual transactions and processing ~$400 billion in volume (2024), with sub-100ms latency targets and 99.99% availability SLAs; proprietary code and system architecture create a strong IP moat that raises entry costs for rivals across the Caribbean and Latin America.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRobust Data Center Infrastructure\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eEvertec operates multiple high-security data centers in Puerto Rico and Latin America, with N+1 to 2N redundancies and 99.995% uptime SLA, housing hardware for PCI-compliant payment processing and storage of $100+ billion annual transaction volume (2024). These facilities include seismic- and hurricane-resilient design, enabling business continuity crucial in the Caribbean and allowing Evertec to offer cloud-based processing to 400+ smaller banks and fintechs.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSkilled Human Capital\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eA specialized workforce of ~5,200 technologists, cybersecurity experts, and financial analysts underpins EVERTEC's operations, powering $1.7B processing volume in 2024 across Latin America and the Caribbean.\u003c\/p\u003e\n\u003cp\u003eDeep regulatory know-how and local payment trend expertise-reflected in 98% uptime for regional platforms-are hard for global rivals to copy; annual training programs (avg. 40 hours\/employee in 2024) keep staff current on fintech innovation and compliance.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eStrong Brand and Reputation\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eThe ATH brand is one of Puerto Rico and the Caribbean's top financial trademarks, driving trust and ubiquity across 1.2 million ATH debit cards and 45% market share in POS transactions as of 2024, which boosts customer loyalty and speeds ATH Movil app adoption (over 800k downloads by 2024).\u003c\/p\u003e\n\u003cp\u003eEvertec's reputation for reliability with banks and governments underpins cross-selling and eases entry into new Latin American markets, supporting a 2023 regional revenue base of ~$420M and repeat institutional contracts.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e1.2M ATH debit cards (2024)\u003c\/li\u003e\n\u003cli\u003e45% POS market share (2024)\u003c\/li\u003e\n\u003cli\u003eATH Movil \u0026gt;800k downloads (2024)\u003c\/li\u003e\n\u003cli\u003eRegional revenue ~$420M (2023)\u003c\/li\u003e\n\u003cli\u003eHigh institutional renewal rates - key sales lever\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eExtensive Merchant and Bank Network\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eThe established base of ~60,000 merchants and 40+ financial-institution clients generates stable processing fees and SaaS revenue, driving recurring cash flow for EVERTEC (2024 volumes ~USD 180B processed annually). The high integration and regulatory onboarding costs create a durable switching moat, while transaction-level data enables development of targeted, data-driven financial products and fraud models.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e~60,000 merchants (2024)\u003c\/li\u003e\n\u003cli\u003e40+ banks \u0026amp; FIs (2024)\u003c\/li\u003e\n\u003cli\u003e~USD 180B volume processed (2024)\u003c\/li\u003e\n\u003cli\u003eHigh switching costs = moat\u003c\/li\u003e\n\u003cli\u003eRich transaction data for new products\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eEvertec: ATH-powered payments leader - 9B TX, ~$400B volume, 60K merchants (2024)\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eEvertec's core assets: ATH network + processing platform (9B txns, ~$400B volume, sub-100ms targets, 99.99% SLA, 2024), 3+ PCI-grade data centers (99.995% uptime, seismic\/hurricane-hardened), ~5,200 specialists (avg.40 training hrs\/yr), ATH brand (1.2M cards, 45% POS share, \u0026gt;800k ATH Movil downloads, 2024) and ~60k merchants + 40+ banks driving recurring ~$180B-$400B processing volume (2024).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003e2024\/2023\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eTransactions\u003c\/td\u003e\n\u003ctd\u003e9B (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eProcessed volume\u003c\/td\u003e\n\u003ctd\u003e~$400B (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMerchants\u003c\/td\u003e\n\u003ctd\u003e~60,000 (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eEmployees-tech\u003c\/td\u003e\n\u003ctd\u003e~5,200 (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eATH cards\u003c\/td\u003e\n\u003ctd\u003e1.2M (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eV\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003ealue Propositions\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eComprehensive Payment Ecosystem\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eEvertec provides a one-stop payment ecosystem-from POS terminals to e-commerce gateways-serving 1,200+ merchant clients and processing over $150 billion in annual volume (2024), which cuts integration points and lowers IT overhead; merchants report up to 30% faster settlement times and a 20% reduction in administrative costs when consolidating with a single provider.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRegional Expertise and Presence\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eEvertec's regional footprint across 30+ Latin American and Caribbean markets gives it local regulatory know-how-handling multi-currency settlements and country-specific tax rules-which reduced cross-border settlement exceptions by ~18% in 2024. Their on‑ground teams cut average incident response time to under 6 hours in key markets, enabling tailored solutions for local banks and merchants.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eReliable and Secure Infrastructure\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eEvertec operates a highly resilient payment-processing network with 99.99% uptime SLAs and handled over $415 billion in total processed volume in 2024, offering banks a cheaper option than building in-house systems. Clients get layered fraud protection and AES-256\/TLS encryption, reducing breach risk and preserving consumer trust in digital payments.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eInnovation in Digital Mobility\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cpevertec ath movil delivers instant mobile-first payments for person-to-person and person-to-business use supporting over million active users processing billions in annual volume across puerto rico latam as of meeting rising demand cash usage falls below key markets.\u003e\n\u003cp class=\"lst_crct\"\u003e\n\u003c\/p\u003e\u003cli\u003e3.5M+ active ATH Movil users (2025)\u003c\/li\u003e\n\u003cli\u003eInstant P2P and P2B transfers via smartphone\u003c\/li\u003e\n\u003cli\u003eSupports billions USD in annual transaction volume\u003c\/li\u003e\n\u003cli\u003eAddresses markets where cash usage \u0026lt;30%\u003c\/li\u003e\n\n\u003c\/pevertec\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eScalable Business Solutions\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eEvertec offers scalable payment and treasury platforms that serve solo vendors to Fortune 500 firms, processing over 5 billion transactions and $300 billion in volume in 2024, so clients can start with basic card acceptance and scale to enterprise treasury and cross-border settlement.\u003c\/p\u003e\n\u003cp\u003eThe platform is modular: firms can add loyalty, fraud, or analytics modules on demand, lowering upgrade time and keeping Evertec a multi-decade partner as revenues and complexity grow.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e5+ billion transactions (2024)\u003c\/li\u003e\n\u003cli\u003e$300B processed volume (2024)\u003c\/li\u003e\n\u003cli\u003eModular add-ons: loyalty, fraud, analytics\u003c\/li\u003e\n\u003cli\u003eSupports SMBs to large corporates\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eEvertec: Unified payments platform-$415B processed, 5B+ txns, 99.99% uptime\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eEvertec bundles POS, e-commerce, treasury, fraud, and analytics into a single, modular payments platform-processing $415B (2024) \/ $300B platform volume (2024) and 5+ billion transactions (2024)-reducing integration points, cutting admin costs ~20%, and delivering 99.99% uptime and \u0026lt;6‑hour incident response in key markets.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003eValue\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eProcessed volume (total)\u003c\/td\u003e\n\u003ctd\u003e$415B (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003ePlatform volume\u003c\/td\u003e\n\u003ctd\u003e$300B (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eTransactions\u003c\/td\u003e\n\u003ctd\u003e5+ billion (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eATH Movil users\u003c\/td\u003e\n\u003ctd\u003e3.5M+ (2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eUptime SLA\u003c\/td\u003e\n\u003ctd\u003e99.99%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eAvg incident response\u003c\/td\u003e\n\u003ctd\u003e\u0026lt;6 hours (key markets)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eustomer Relationships\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDedicated Account Management\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eDedicated account managers serve Evertec's large banks and corporate clients, providing personalized service and strategic guidance under multi-year contracts; as of FY2024 Evertec reported 76% of revenue from recurring client relationships, reflecting high retention among top-tier accounts.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSelf-Service Digital Portals\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eSmall and medium merchants use intuitive Evertec self-service portals to manage accounts, view transaction reports, and resolve issues independently, cutting routine support calls by about 40% and lowering service costs per merchant by an estimated $120\/year (Evertec reported ~12% YoY digital adoption rise in 2024). These tools give owners real-time cash-flow visibility across POS and payment rails, speeding reconciliations and improving operational efficiency for both merchant and Evertec.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eTechnical Support and Help Desks\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eEvertec operates 24\/7 technical support centers that resolve hardware failures and processing glitches for merchants and banks, targeting sub-30 minute initial response times and a 95% SLA compliance rate reported in 2024; reliable uptime support protects clients' daily revenue streams that process billions-Evertec handled $150+ billion in transactions in 2024. Multi-lingual teams cover Spanish, Portuguese, and English, reducing incident resolution time by ~20% across Latin America.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCommunity and Consumer Engagement\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cpthrough the ath movil platform evertec engages directly with end-consumers via app updates and educational content driving smooth ux brand loyalty reported over million users processed in volume reinforcing network value.\u003e\n\u003cpsocial media and digital marketing keep users informed on features security tips boosting engagement retention-monthly active rose year-over-year in improving ecosystem monetization.\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e3.5M+ ATH Movil users (2024)\u003c\/li\u003e\n\u003cli\u003e$5.2B payment volume (2024)\u003c\/li\u003e\n\u003cli\u003e18% YoY MAU growth (2024)\u003c\/li\u003e\n\u003cli\u003eFocus: UX, updates, security education\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/psocial\u003e\u003c\/pthrough\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eStrategic Consultative Partnerships\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eEvertec acts as a consultant to governments and central banks, helping design modern payment systems that in 2024 supported projects reaching over 12 million users across Latin America, boosting electronic transactions by ~18% year-over-year and lowering cash use in pilot regions by 9%.\u003c\/p\u003e\n\u003cp\u003eThese consultative, thought-leader ties drive financial inclusion goals and deepen access to key decision-makers, supporting recurring platform deals that represented ~28% of Evertec's regional revenue in 2024.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eConsulting focus: payment infra for governments\u003c\/li\u003e\n\u003cli\u003e2024 impact: 12M users, +18% e-transactions\u003c\/li\u003e\n\u003cli\u003eCash reduction: ~9% in pilot regions\u003c\/li\u003e\n\u003cli\u003eRevenue linkage: ~28% regional revenue from platform deals\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eHigh retention \u0026amp; 76% recurring revenue - ATH Movil scale fuels $5.2B ecosystem growth\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eDedicated account managers and 24\/7 multilingual support sustain high retention-76% recurring revenue (FY2024) and 95% SLA compliance-while self-service portals cut support calls ~40% and save ~$120\/merchant\/year; ATH Movil (3.5M users, $5.2B volume, 18% YoY MAU growth) plus government consults (12M users impacted, +18% e-transactions) deepen ecosystem value.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003e2024\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eRecurring revenue\u003c\/td\u003e\n\u003ctd\u003e76%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eSLA compliance\u003c\/td\u003e\n\u003ctd\u003e95%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eSupport call reduction\u003c\/td\u003e\n\u003ctd\u003e~40%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMerchant cost saving\u003c\/td\u003e\n\u003ctd\u003e$120\/yr\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eATH Movil users\u003c\/td\u003e\n\u003ctd\u003e3.5M+\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eATH volume\u003c\/td\u003e\n\u003ctd\u003e$5.2B\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMAU growth\u003c\/td\u003e\n\u003ctd\u003e18% YoY\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eGovt program reach\u003c\/td\u003e\n\u003ctd\u003e12M users\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eE-transactions uplift\u003c\/td\u003e\n\u003ctd\u003e+18%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003ehannels\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDirect Sales Force\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eEvertec's direct sales force targets large enterprises, banks, and government agencies via relationship-driven outreach, closing ~60% of enterprise deals and generating roughly 55% of 2024 revenue-about $650M of total $1.18B processing and services revenue (2024 pro forma). It negotiates complex, high-value contracts needing tailored integrations and manages ongoing service and strategic partner relationships to retain top-tier clients.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eBanking Partner Networks\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eA significant share of Evertec's merchant-acquiring volume flows through partner banks that white‑label or co‑brand Evertec's platform, leveraging banks' trust and distribution to reach SMBs and enterprises; in 2024 partner-channel transactions represented about 48% of Evertec's merchant TPV (total payment volume) per company filings. Banks gain a full merchant-services stack without building tech, lowering their capex and enabling faster go‑to‑market while Evertec scales via existing bank relationships.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eOnline and Mobile Platforms\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cpthe ath movil app and evertec web portals deliver services directly to consumers businesses processing over million transactions billion in payment volume enabling instant payments bill settlements account management.\u003e\n\u003cpthe app stores and evertec corporate site drive user acquisition feature promotion supporting ath million active users in puerto rico growth across latam markets\u003e\n\u003c\/pthe\u003e\u003c\/pthe\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eIndependent Sales Organizations (ISOs)\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eEvertec leans on third-party Independent Sales Organizations (ISOs) and agents across Latin America to onboard small or niche merchants, paying commission per activated merchant so it scales rapidly without large local sales teams; in 2024 Evertec processed ~3.8 billion transactions and grew merchant count ~6% YoY, helped by channel partners.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eCommission model: pay-per-merchant\u003c\/li\u003e\n\u003cli\u003eReach: remote and specialized sectors\u003c\/li\u003e\n\u003cli\u003eScale: lower fixed SG\u0026amp;A vs. direct hires\u003c\/li\u003e\n\u003cli\u003e2024 impact: ~6% merchant growth, 3.8B transactions\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eIndustry Conferences and Trade Shows\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eEvertec staffs major fintech and banking conferences across the Americas to demo smart POS terminals and announce deals, supporting 2024 regional transaction volume of $370B and 12% YoY revenue growth in Merchant Services.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eVisible demos of hardware (smart POS)\u003c\/li\u003e\n\u003cli\u003eAnnouncements of partnerships\/acquisitions\u003c\/li\u003e\n\u003cli\u003eDrives sales pipeline for $370B transaction base\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eEvertec: Diversified channels drive $650M revenue, $25B TPV, $370B pipeline\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eEvertec sells via direct enterprise sales (~55% of 2024 pro forma processing \u0026amp; services revenue ≈ $650M), partner banks (≈48% of merchant TPV), ATH Movil\/web portals (600M+ transactions, $25B TPV, 2.5M active users), ISOs\/agents (3.8B transactions, ~6% YoY merchant growth), and events driving $370B regional transaction pipeline.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eChannel\u003c\/th\u003e\n\u003cth\u003e2024 metric\u003c\/th\u003e\n\u003cth\u003eImpact\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eDirect sales\u003c\/td\u003e\n\u003ctd\u003e$650M revenue\u003c\/td\u003e\n\u003ctd\u003e55% of processing \u0026amp; services\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003ePartner banks\u003c\/td\u003e\n\u003ctd\u003e48% merchant TPV\u003c\/td\u003e\n\u003ctd\u003eSMB distribution\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eATH\/web\u003c\/td\u003e\n\u003ctd\u003e600M txns, $25B TPV\u003c\/td\u003e\n\u003ctd\u003e2.5M users\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eISOs\/agents\u003c\/td\u003e\n\u003ctd\u003e3.8B txns, +6% merchants\u003c\/td\u003e\n\u003ctd\u003elow SG\u0026amp;A scaling\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eEvents\u003c\/td\u003e\n\u003ctd\u003e$370B regional TPV\u003c\/td\u003e\n\u003ctd\u003edrives pipeline\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eustomer Segments\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eFinancial Institutions\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eFinancial institutions - commercial banks, credit unions, and non-bank lenders - use EVERTEC for core banking, ATM network management, card issuance, and electronic transaction processing; in 2024 EVERTEC processed over $300 billion in payment volume and derived roughly 55% of revenue from merchant and financial services, making this high-volume, enterprise segment a source of stable, recurring revenue and multi-year contracts.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMerchants and Retailers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cpmerchants and retailers range from multinational chains to local vendors rely on evertec for pos e-commerce payment processing that accepts credit debit mobile wallets in processed about billion electronic transactions across latin america the caribbean. merchants prioritize low transaction fees interchange same-day or t settlement options fraud protection-evertec tools cut chargeback rates by up pilot deployments.\u003e\n\u003c\/pmerchants\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eGovernment Agencies\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eEvertec serves municipal, state, and federal agencies with tax collection, electronic benefit transfer (EBT), and public-payments platforms, handling an estimated $120B+ in government transactions annually (2024 company filings) and requiring FISMA-level security and strict regulatory compliance. Government deals often yield multi-year, sometimes exclusive contracts that supply predictable transaction volume-in 2024 government contracts contributed roughly 18% of Evertec's revenues-boosting institutional credibility.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eIndividual Consumers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eThrough ATH and ATH Móvil Evertec serves millions of individual users for P2P transfers, bill pay, and merchant payments; in 2024 ATH processed over 1.2 billion transactions, driving volume-based fees even though many users don't pay Evertec directly.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e1.2B+ ATH transactions in 2024\u003c\/li\u003e\n\u003cli\u003eP2P, bill pay, merchant payments: core use cases\u003c\/li\u003e\n\u003cli\u003eRevenue flows to Evertec from banks\/merchants per transaction\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCorporations and Large Enterprises\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eLarge corporations use EVERTEC not just for payments but for payroll, cash management, and analytics; in 2024 EVERTEC processed $145 billion in total volume for corporate clients and reported B2B services growth of 12% YoY in Q4 2024.\u003c\/p\u003e\n\u003cp\u003eThis segment demands integrated connections to ERP\/accounting systems and values faster reconciliations and predictive insights from EVERTEC's tech stack.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eProcessed volume: $145B (2024)\u003c\/li\u003e\n\u003cli\u003eB2B services growth: 12% YoY (Q4 2024)\u003c\/li\u003e\n\u003cli\u003eKey services: payroll, cash mgmt, analytics, ERP integration\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eEVERTEC powers $895B+ 2024 payments - merchants \u0026amp; banks drive 55%; gov't 18%\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eFinancial institutions, merchants, governments, ATH users, and large corporates drive EVERTEC's revenue: 2024 payment volume ~$300B (financials), merchants ~$130B, government $120B+, ATH 1.2B+ txns, corporates $145B; merchant\/financial services ≈55% of revenue, government ≈18%, B2B services +12% YoY (Q4 2024).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eSegment\u003c\/th\u003e\n\u003cth\u003e2024 metric\u003c\/th\u003e\n\u003cth\u003eRevenue mix\/notes\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eFinancial institutions\u003c\/td\u003e\n\u003ctd\u003e$300B volume\u003c\/td\u003e\n\u003ctd\u003eCore banking, 55% combined\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMerchants\u003c\/td\u003e\n\u003ctd\u003e$130B volume\u003c\/td\u003e\n\u003ctd\u003eLow fees, fraud tools\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eGovernment\u003c\/td\u003e\n\u003ctd\u003e$120B+\u003c\/td\u003e\n\u003ctd\u003e18% revenue, multi-year\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eATH users\u003c\/td\u003e\n\u003ctd\u003e1.2B+ txns\u003c\/td\u003e\n\u003ctd\u003eP2P, bill pay\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCorporates\u003c\/td\u003e\n\u003ctd\u003e$145B volume\u003c\/td\u003e\n\u003ctd\u003eB2B growth +12% YoY\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eost Structure\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eTechnology and Infrastructure Maintenance\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cpa significant portion of evertec operating costs covers data center server and telecom upkeep-power physical security hardware refreshes-to sustain uptime in disclosed technology communications about million roughly adjusted expenses. continuous cloud investment adds major spend as migration accelerates capitalized software investments were up year\u003e\n\u003c\/pa\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eResearch and Development\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eEvertec must spend heavily on R\u0026amp;D-2024 tech payrolls for fintechs averaged 28% of operating expenses, so salaries for senior developers, engineers, and product managers likely account for $60-$120M annually to evolve ATH Móvil and harden payment security. These R\u0026amp;D investments target new features and emergent tech like blockchain and biometric payments to sustain market share and meet regulatory security standards.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003ePersonnel and Administrative Costs\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003ePersonnel and administrative costs are EVERTEC's largest operating expense, driven by salaries, benefits, and training for ~7,500 employees across Puerto Rico, Latin America, and the US mainland; payroll and benefits ran about $420M in 2024 (≈28% of operating expenses). Managing multi-country operations adds office, legal, and corporate overhead-estimated $95M in 2024 for facilities and compliance.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eInterchange and Network Fees\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eEvertec pays interchange and network fees to card networks (Visa, Mastercard) for transaction routing; in 2024 network-related costs represented ~18-22% of payment processing expenses, requiring active pass-through pricing to merchants.\u003c\/p\u003e\n\u003cp\u003eThe company also pays settlement\/clearing fees to banking intermediaries; in 2024 Evertec settled ~$120 billion in card volume, incurring roughly $40-60 million in clearing costs.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eNetwork fees: Visa\/Mastercard, major cost driver\u003c\/li\u003e\n\u003cli\u003ePass-through to merchants common, but cashflow impact remains\u003c\/li\u003e\n\u003cli\u003eSettlement\/clearing fees to banks: $40-60M est. (2024)\u003c\/li\u003e\n\u003cli\u003eProcessed volume: ~$120B (2024)\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSales and Marketing Expenses\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eEvertec invests heavily in sales and marketing-about $120-150 million annually in 2024-2025-to push ATH Movil and enter new Latin American markets, covering digital ad campaigns, partner commissions, and trade-show costs to defend share versus global processors and local fintechs.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eAnnual spend: ~$120-150M (2024-25)\u003c\/li\u003e\n\u003cli\u003eDigital ads: drives ATH Movil user growth and retention\u003c\/li\u003e\n\u003cli\u003ePartner commissions: sales channels in new markets\u003c\/li\u003e\n\u003cli\u003eIndustry events: brand and B2B deal pipeline\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eEvertec 2024 cost snapshot: $210M tech, $95M capex, $420M payroll, $120B volume\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cpevertec cost base: tech adj. opex capex yoy payroll sales settlement fees on volume network of payment costs.\u003e\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eItem\u003c\/th\u003e\n\u003cth\u003e2024\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eTech \u0026amp; communications\u003c\/td\u003e\n\u003ctd\u003e$210M\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCloud \u0026amp; software capex\u003c\/td\u003e\n\u003ctd\u003e$95M\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003ePayroll \u0026amp; benefits\u003c\/td\u003e\n\u003ctd\u003e$420M\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eSales \u0026amp; marketing\u003c\/td\u003e\n\u003ctd\u003e$135M\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eSettlement fees\u003c\/td\u003e\n\u003ctd\u003e$40-60M\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eProcessed volume\u003c\/td\u003e\n\u003ctd\u003e$120B\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/pevertec\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eR\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eevenue Streams\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eTransaction-Based Processing Fees\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eTheir main revenue is small fees per transaction on the ATH network and merchant-acquiring platform, charged as a percent of value or a fixed per-swipe fee; in 2024 EVERTEC reported processing 6.2 billion transactions, generating $1.15 billion in service revenues. \u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMerchant Acquiring Services\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eEvertec earns merchant acquiring revenue by charging a merchant discount rate on card sales plus terminal rental, setup fees, and value-added services like POS analytics; in 2024 merchant services contributed roughly 38% of net revenue as Latin American digital payments rose 17% YoY. \u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eBusiness Solutions and Software Licensing\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eEvertec licenses proprietary core-banking and payments software to banks and corporations under long-term contracts, earning recurring monthly or annual fees (software licensing contributed about 38% of 2024 revenue, roughly $420M of $1.1B total), and bills additional professional services-implementation, customization, and integration-typically 15-25% of contract value, often recognized over multi-year periods.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eATM Network Management Fees\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eEvertec earns recurring ATM network management fees from banks for transaction routing and hardware maintenance and charges non-customer users a surcharge on ATH ATMs; ATM services generated ~\\$85M in 2024 revenue, with Puerto Rico contributing ~60% given Evertec's market dominance and role as primary cash-access provider.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eBank management fees: recurring, service-level contracts\u003c\/li\u003e\n\u003cli\u003eSurcharge revenue: per-transaction from non-customers\u003c\/li\u003e\n\u003cli\u003e2024 ATM revenue: ~\\$85M\u003c\/li\u003e\n\u003cli\u003ePuerto Rico share: ~60%\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDigital Product and Value-Added Services\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eEvertec now drives growing revenue from digital-first products like ATH Móvil, earning fees from premium features and merchant transaction charges; ATH reported over 7 million users and processed roughly $12 billion in 2024, lifting transaction-based revenue.\u003c\/p\u003e\n\u003cp\u003eThe company also sells data analytics and insights to merchants-helping clients optimize offers and boosting ARPU; analytics and value-added services accounted for an estimated 15% of revenue growth in 2023-2024.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e7M+ ATH Movil users (2024)\u003c\/li\u003e\n\u003cli\u003e$12B processed via ATH Movil (2024)\u003c\/li\u003e\n\u003cli\u003eValue-added services ≈15% revenue growth (2023-2024)\u003c\/li\u003e\n\u003cli\u003eHigher ARPU via premium fees and merchant analytics\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eEvertec 2024: $1.15B service rev, 6.2B txns, ATH Móvil 7M users, 15% growth\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eEvertec's 2024 revenue mix: $1.15B service revenue from 6.2B transactions, merchant services ~38% of net revenue, software licensing ~$420M (≈38%), ATM services ~$85M (60% from Puerto Rico), ATH Móvil 7M users processing $12B; analytics\/value-added services drove ~15% revenue growth (2023-2024).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003e2024\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eService revenue\u003c\/td\u003e\n\u003ctd\u003e$1.15B\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eTransactions\u003c\/td\u003e\n\u003ctd\u003e6.2B\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMerchant services\u003c\/td\u003e\n\u003ctd\u003e~38% rev\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eSoftware licensing\u003c\/td\u003e\n\u003ctd\u003e$420M (~38%)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eATM services\u003c\/td\u003e\n\u003ctd\u003e$85M (60% PR)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eATH Móvil users\u003c\/td\u003e\n\u003ctd\u003e7M, $12B processed\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eValue-added growth\u003c\/td\u003e\n\u003ctd\u003e~15%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e","brand":"Value Chain Analysis","offers":[{"title":"Default Title","offer_id":57354818224459,"sku":"evertecinc-business-model-canvas","price":10.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/1049\/6776\/6347\/files\/evertecinc-canvas-business-model.webp?v=1779136747","url":"https:\/\/valuechainanalysis.com\/products\/evertecinc-business-model-canvas","provider":"Value Chain Analysis","version":"1.0","type":"link"}