Through Hips White Label Payment Gateway, leading Acquirers, Payment Service Providers and POS Software Providers can easily evolve with the drastic, rapidly changing payments industry. worldwide. 760M$. What are White Label ATMs (WLAs)? Ans. It comes like a regular debit card but with a lot of beneficial. 💼 BitPay VISA Debit Card: Available to US residents from all 50 states. A. A cloud hangs over Macquarie Group’s white label credit card business as the bank’s freeze on new issuance of Woolworths and Myer Visa cards enters its third year. In essence, a white label debit card is a card that is branded with the logo and other identifying features of the issuing company, but is actually issued by a third-party financial. 67 Rating by CuteStat. Unlike other card issuers, our unified payments platform means we can bridge your acquiring and card issuing - helping funds flow seamlessly from one side of your business to the other, with nothing tied up in transit. Our card portfolio and services are the most deployed solutions in the market. Bill Pay. Wave Crest Holdings is one of the larger white-label debit card issuers in the world of cryptocurrency. Our consulting teams will get your program up and. [1] [2] Used in a closed-loop environment, private label debit offers secure transactions through PIN protection or tokenization. Check out the latest trends driving the embedded finance industry. Handle everything from medical/dental/vision claims to fitness club incentives to OTC products and healthy groceries, all on one payment card. Same-Day Deposits are available to merchants on integrated software platforms with a 5:00 pm PT cut-off time for payments processed on WePay. A complete and secure API solution to issue and manage card products and services. *Subject to card design & implementation. Wallester offers to move to a completely new technological level! Issuance of branded VISA cards based on the White-Label model will allow you to expand the functionality of payment instruments and simplify financial processes. This shift has led to the rise of card issuing platforms, which have become an essential component of the banking and financial management ecosystem. BaaS as it was meant to be. Optimus Cards is a fully FCA. We deliver fast-scalable white-label solutions to enable and serve financial. *Subject to card design & implementation. When you issue white label debit cards to your business, you can generate a variety of revenue streams. Some banks only allow certain ATMs to accept debit card transactions, and others limit withdrawal amounts to $100 per day. As an experienced SEO writer, I’m here to provide you. io. Get Order ID and Auth Codes. One of the primary advantages of a white-label digital bank is the cost savings it offers. With a single-integration, our card issuing platform allows you to. Striga is a global payments network starting in Europe. Accept or enable contactless cards and more. Greenlight – Debit Card For Kids. 70% faster time to market allow businesses to scale at anytime. At its heart lies a sophisticated customer relationship management (CRM) system which processes payments in real-time. They are sleek, sophisticated, and personalized — all this while providing all the functionality you would expect. Fully Branded. 36. Simple, fast, and secure: take the digital payment experience to a new level. 70) Decta Limited is an electronic money institution focused on providing a flexible payment processing platform. 3Choose the routing and processing option that best meets your program needs – authorization only or au. White-label debit cards The private-label debit card programs offer branded cards with the client company’s logo, design, and other customizations. Cardstream is a global connector of payments, offering 360 ° comprehensive solutions. Select from CorServ’s carefully pre-defined card products based on our years of experience, or work with us to create your own card products. From Wikipedia, the free encyclopedia. Credocard is the industry leader for co-branded cards, Co branded prepaid cards, white label card programs, software and payment integration platforms and turnkey payment solutions. 22: Your Processor Markup: Varies: Total: More than 0. Payment to Payout Reconciliation. Regulatory ReportingWe are happy to announce a new integration between EBANQ and Pecunpay, issuer and processor of MC and VISA cards. Your EBANQ online banking system can be online in 24-48 hours with your own logo and design theme. Use these cards for your business needs, highlighting your brand’s identity. White-label prepaid debit cards for business. Optimus Cards is a fully FCA authorised Electronic Money. Private-label debit cards are a type of payment card used to make purchases, withdraw cash, and link to bank accounts. We help you through every step, making decisions to support your goals. Each tariff plan also includes a certain number of free virtual cards: Free — up to 300 virtual cards; Premium — up to 3000 virtual cards; Platinum — up to 15,000 virtual cards;HollaEx offers various options for white-label debit cards, online e-commerce payments, and more. Experience the convenience of seamless transactions, whether shopping online, dining out, or traveling. Here are some of the benefits and considerations of white-label debit card. Building blocks for the perfect card program. General Purpose Reloadable (GPR) Travel and expense. Enable them to open an account, make fast and secure payments, get virtual or physical debit and credit cards anytime and anywhere, from the convenience of their smartphone or computer. We, in turn, will perform regular checks to ensure compliance with the Bank of Lithuania. Features include card controls and limits, digital wallet tokens, and the option to customize cards. Why a white-label prepaid debit card works so well for a range of businesses. It outlines industry practices as well as consumer and industry responsibilities and serves to protect consumers in their use of debit card services in Canada. Convenience checks. You will be able to launch a variety of rewards programs in addition to customer loyalty programs. 2 percent of all prepaid debit card payments by number, up from 38. Our open API platform allows businesses to instantly issue cards and process payments. The software, when integrated with your online. Debit Cards Spending Cards. Get access to the multi-functional Wallester Business platform absolutely free. The platform provider handles all aspects of the gift card program, including the creation, distribution, and management of digital and physical gift cards. 13, 14, 15Lincoln Savings Bank alsoNeobank for Consumers. White Label Crypto Debit Cards. Also known as a white-label credit card, it is a store-branded credit card you can use at a specific retailer. With Delasport’s Payment Gateway operators can easily localize their payment portfolio for. The ATM / ATM cum debit cards, credit cards and prepaid cards, as permitted by the issuer, can be used at. We use blind shipping, which means the products you create are unbranded and delivered in unbranded packaging. TheBanks. You can. Key Points. Experience the unmatched superiority of virtual VISA debit cards, granting you the freedom to make purchases globally without constraints. Co-Branded Card programs – Prepaid Debit Cards and Credit Cards. In an era where every aspect of our lives is interconnected through a web of digital nodes, it’s no surprise that our financial transactions are also being reimagined and streamlined. A universal payment instrument used to instantly pay for goods and services through payment terminals, online,. Your cardholders can: Spend crypto anywhere debit cards are accepted. From design to reconciliation, we’re here to support you and your cardholders every step. Boyle said that a significant number of bitcoin companies that Blade has spoken with are planning a debit card solution, and for the most part want to avoid an in-house development process. Card design confirmation in 2 days. When you choose white-label debit cards from iServeU, you choose all of the following goodies: A Full-Fledged API Solution . Delasport offers a huge variety of payment solutions including credit and debit cards, e-wallets, instant bank transfers, and mobile solutions. Debit cards issued via the Mastercard network can be used throughout 210 countries and territories. Any service and product of the Omniwire platform is available for customizations and usage by any business. The use of this Card is subject to the terms and conditions. Secondary cards. In this blog post, we’ll explore how. It was in the Late 80s that the first ATM in India was opened. per virtual card. When to create aPrepaid Card Program. Let’s take a look at some of them. The integration feature is better than all other. Virtual and physical prepaid debit cards, funded with crypto. Includes prepaid. 02. Get a card in the currency of your choice: GBP, EUR, USD, JPY and CNY. How does white label credit and debit card processing work, and what are the benefits for financial institutions. This means that recipients can choose the payment method that best suits their needs and preferences, making it more convenient for them to receive payments. Private-label prepaid debit card payments accounted for 40. com is 8 years 6 months old. EXPERT’S RATING. Go live with your. Definition of white label payment gateways. Dwolla is a white-label payment service that integrates your business with the Automated Clearing House network to send and receive ACH payments. The FinTech landscape is experiencing unprecedented growth, with a pivotal role played by the advent of white-label crypto debit cards. This is a powerful tool for building brand recognition and increasing customer loyalty. Open accounts with robust KYC and issue physical, virtual, and tokenized debit cards. The person can send finance abroad. WHITE LABEL NEOBANK PLATFORM White label digital banking software-as-a-service for banks, fintechs and large enterprises. For payment, you can use a credit/debit card, or PayPal. 36. global payments, instant and cheap. White-Label Cards. Flexible ways to earn revenue! White Label Partners are able to mark up some prices and others, you receive commission from Novae or our partners. Fully licensed and compliant for major global card schemes. PayPal Mastercard Debit Card is a co-branded card by PayPal and Mastercard International. Our White-Label App is a fully turnkey solution for companies that want to get to market faster, without relying on additional engineering resources. Card issuing platforms are software-based solutions that enable card issuers to create and manage various types of payment cards, including credit, debit, white label, and virtual cards. It is designed for domestic schemes and private payment card associations looking for chip-based security and fast time to market. White-label debit cards raising your brand awareness; Payment initiation and card acquiring for seamless online transactions; 2. Card, collateral, and user interfaces can all be white labeled with your brand’s look and feel. About us. Private label debit cards use JSON web tokens for secure transactions, ensuring that all financial information remains safe. We will also discuss alternative payment methods for white label credit cards, such as debit cards and mobile payment options. The modern CRM system is equipped with all the tools needed to process cardholder information as conveniently as possible. API and SDK for developers allow businesses to integrate our financial solutions into any existing business seamlessly. We enable comprehensive instant issuance portfolios. Issuers can launch payment offers that fit their local market needs while enjoying fast time to market and low. Launch in as little as 2-weeks with no coding needed! Our Customized program is a white-label, co-branded card program sponsored by a financial institution, member of Visa or Mastercard, issued on a PCI/DSS processing platform and administrated by an experienced program management and risk/fraud team. For cashless convenience everywhere, leverage on our Visa issuing licence to white label prepaid card that allow businesses to reap the benefits of reloadable prepaid cards. Talk to us to find out more about embedded finance or our other white-label solutions. We’ll work with you to design a program that’s tightly integrated into your business model. Issue Bank Accounts & Wallets; White-Label Debit Cards; No Financial License Required; More Info. You’ll notice the eco card is light on printed details. Maximizing Crypto Transactions with White Label Debit Cards: A Complete Guide. Sometimes called closed-loop EMV, white-label EMV technology has been used by domestic debit schemes and retailers for their private-label cards for years. TODAY. White label credit cards offer numerous benefits for customers, including the ability to earn rewards or loyalty points for making purchases from the specific retailer or business with which the card is branded. 2 Compliance. One-stop solution for your fintech project. You set the. White label debit card issuing has become increasingly popular in recent years as more and more businesses seek to offer payment services to their customers. 01 - Less ink, less waste. Send funds from a source balance to a target balance. Any service and product of the Omniwire platform is available for customizations and usage by any business. These rewards or loyalty points can then be redeemed for discounts, merchandise, or other. Accept or enable all online and in-app payments. 15. All of this allows us to provide innovative and reliable White Label Prepaid Card Programs. C2A Card - C2A Card is a white-label card issuing service with over 10 years of experience as an accredited partner of Mastercard. The Sponsor bank provides the cash facility for the White ATM. The most innovative way to start a cryptocurrency exchange platform with less development cost is to use the best white label cryptocurrency exchange software. No credit checks, no bank account and no minimum deposit needed. As a leading issuer of prepaid cards in the country, we collaborate on prepaid solutions of every type, including the following: Gift. • Get a free account and MasterCard debit card. White-label debit cards provide accessibility to a larger population. Branded Debit. Contact us to learn more about Payments / Card Issuing / Crypto / Global Banking. Individuals and companies looking for a multi-currency account to manage EUR, USD, GBP, and JPY will find Payoneer a secure and reliable option. The consumer and business applications are powered by Striga. Find out how we can customize any of these. Improve efficiency and satisfaction with an array of easy-to-use support services. White-label payment cards display your. Optimus Cards UK Ltd. White-label cards are easy to get, and, in some cases, their functionality is quite similar to regular debit cards. Collaborate with sponsor banks to create yield-bearing products that meet the requirements of your customers. Control what card features are available to your cardholders. Bank branding : This section identifies your card issuer. A white-label payment gateway is a fully developed payment gateway solution that businesses can rebrand and customize as their own. Generate interchange revenue with processing services for consumer and business cards. Yes, you can. 10¢. Our. Maybe that means it doesn’t look very “Wise”. Order one or more cards for each family member. In the dynamic world of finance, the advent of white label crypto debit cards is heralding a new era in payment methods. Brand and launch your digital wallet—no lengthy development work. Know Your Customer (KYC) Instant. We offer a scratch-built CRM platform to make the management of the card. White label core banking 2022. Payoneer. While this might seem small, it is still twice the volume of Discover cards. Age requirement: 6 to 18 years old. 8. Marqeta is the world's first modern card issuing platform. A full suite of financial features all-in-one platform. cashback), high-yield crypto accounts (white label X-Accounts) and crypto / fiat. White-label card issuer with global payment gateway and processing solutions for prepaid and debit cards. White label debit cards can prevent payment card fraud by using various security features such as virtual cards, which can be generated on-demand and canceled or replaced in case of loss or theft. You can customize any brand and corporate card. Payment to Payout Reconciliation. Regular clients of white-label payment providers include e-commerce giants, gaming platforms, and the online presence of otherwise physical stores. White-label debit cards can be customized with your company’s branding and messaging, creating a personalized experience for your customers. 0155: Card Issuer Fee: 0. Give customers one more reason to keep coming back to your business—start accepting Discover Debit cards today. White Label ATM: ATMs set up, owned, and operated by non-banks are called white label ATMs. Save time and resources by launching your startup with white label card program using an existing platform. The white label debit program of the company can help you in a faster way, and it is integrated with almost all types of cards. That meant some tough choices. 2. Bitcoin debit cards do not allow users to spend bitcoins directly. Instead, they carry the brand of the retailer that issues them, and they’re managed by a commercial finance company, bank, or embedded banking solutions provider. 8% for credit cards and 0. Our BIN sponsorship services are supported by a full-featured card issuing API platform. 2. It is a cost-effective offer that combines Thales' security expertise and card. It streamlines processes, eliminating the need for manual tasks like expense reporting and payroll management. McQueens $149. Providing white label debit & credit card solutions and Banking as a Service for financial services & institutions. No code required. Introducing PURE. Paying with debit is preferred among most consumers, and choosing to accept Discover Debit is an opportunity to grow sales and expand your payment options. 2. Virtual and physical prepaid debit cards, funded with crypto. When your brand logo is featured on the card, you can raise. customized debit card to use at for in-store purchases and/or withdraw money from ATMs. Usually, managing private label cards involves a lot of operational costs and compliance. Omniwire offers its customers a wide range of ready-made white-label solutions for businesses. As your partner, we are committed to your success. In the United States, interchange rates on credit cards remain uncapped, with fees averaging around 2% of. With Mastercard Gateway you can leverage: Bring your brand and customer relationship front and center with your own payment gateway solution, powered by Mastercard Gateway. Private label credit cards are run in collaboration with banks or third-party financial institutions. Authentication Tokenisation Spending Controls Cash Topups No Fee ATM Access Physical Card Printing Payroll Direct Deposit DDA White Label Card Design Virtual Cards Just-in. Kotak PVR Debit Card is a partnership between Indian PVR Cinemas and Kotak Mahindra Bank. When customers see your logo every time they use their debit card, it reinforces the connection they have with your. Increasing spending and volume of purchases. The Main Purpose Of White-Label Card. You. Instant issuance of personalized virtual cards for various. Expand your market offering with an on-demand, scalable solution for fast and simple payments. per standard, physical card. Our API-based card issuance system simplifies the process, from production to distribution, ensuring a seamless experience for both businesses and consumers. However, they have a lot of advantages. 2009. Florida Sigmas $119. Most of the customers have tried specifications. Card Schemes. As we begin to decode the complexity of integrating these digital wallets, we’ll explore how…Get your business ready with all white labelled Payment Gateway . Each card can hold up to $25,000 in funds. Thanks to its universal acceptance, built-in security and convenience — this is a great way to spend your money. Pervesk white label card solution provides the complete structure for debit card issuance, including payment instruments, software, and technical integration – all under the client’s brand name. 99% we offer reliability, flexibility, and scalability. Salt announced a crypto. This card comes as a great combination of good manners and advertising purposes, due to the fact that you can place your logo on such a card. Increase revenue. One such breakthrough is…Wallester’s white-label card solution comprises an entire ecosystem. Schedule a call with ProductFy's team to learn more about credit builder cards, white label debit cards, digital disbursements, white label disbursement platform and how you can launch your own white label banking products. With the advent of cryptocurrencies, a new era of financial transactions has…Introducing Blockchain Bank Visa and MasterCard’s – White Label Banking & Card Issuing Program Co mpetition among various financial institutions is at its peak; hence the trend of white-label online banking and debit card issuance has been on the rise lately as more businesses are eager to extend payment services to their valued customers. Brand Fee: 0. The PayPal debit card, for example, has the business logo on the front of it and a gray background. Posted: March 10, 2023. Talk to us to find out more about embedded finance or our other white-label solutions. 280K. Credocard is the industry leader for co-branded cards, Co branded prepaid cards, white label card programs, software and payment integration platforms and turnkey payment solutions. No lockups, minimums, or other hidden fees. *When consolidating purchase volume processed through Marqeta’s platform in 2019. 2. White-label Digital Wallet. A business or organization that wants to offer its customers the ability to make. Beneficiary-Directed Payments Payees decide where, when, and how they want to. BTW, the big secret about "Apple Pay" is that it is just the Mastercard tap and pay technology that has been around for at least the past 12 years, probably longer. Credocard co-branded cards are used in more than 30 million locations globally. Debit / Credit / Prepaid cards, Physical / Virtual Cards; Consumer / Business cards; Our Benefits Fastest time to the market / Rapid launch;. Iron-clad security, lightning speed, and sweet simplicity – Berkeley’s white. 1 Private Label cards are defined as closed loop/RAN type cards processed over VisaNet, an open loop network. Over 30 domestic schemes and local labels, representing 150 issuers, have already issued 120 million cards, mobile devices, and wearables implementing PURE white-label EMV. ). worldwide. Payments solutions backed by service power the Primax’s growth engine for clients. Thus, retailers or brands assign a third party. Your way. EU as well as non-EU entities can apply for a merchant account, but a SEPA based IBAN account is. That means that the same convenience that Apple Pay users experience can be had through a merchant’s own card program. 4 billion in 2015, corresponding to a growth rate of 8. White Label ATM Operators in India. Initial white label propositions will include co-branded and customisable crypto-friendly debit cards, customised rewards (e. Offer a payment service similar to a bank with online accounts able to send and receive USD, EUR, AUD, GBP, HKD, SAR, BHD, AED, KWD, INR as well as BTC, ETH, USDT, USDC and other major fiat and crypto currenciesWhite Label Debit Card Solutions White label debit card solutions are a game-changer in the banking and financial services industry. Dynamic spend controls Create customized solutions for your customers (e. In essence, a white label debit card is a card that is branded with the logo and other identifying features of the issuing company, but is actually issued by a third-party financial. As a result, many businesses are looking to incorporate crypto payment options into their offerings. Non-bank ATM operators are authorised under the Payment & Settlement Systems Act, 2007 by the Reserve Bank of India (RBI). Our branded debit cards and digital ecosystem are highly customizable, allowing you to incorporate your logo, colors, and design elements to create a unique and cohesive brand experience for your customers. By the end of this article, readers will have a comprehensive understanding of white label business credit. The expiration date is updated automatically; No annual fee: Enjoy the benefits of the CSX White Debit Mastercard for CHF 0 per monthWhite-label debit card issuing is a service offered by financial institutions that allows businesses to issue branded debit cards to their customers, without having to invest in the infrastructure and resources required to manage the card issuance process themselves. There are usually three parties involved in issuing co-branded cards: the business, the card issuer, and the payment network or. Secure & compliant. Customers are responsible for monitoring their total assets at each. Talk to us to find out more about embedded finance or our other white-label solutions. g. Kiple is a VISA Principle Card Issuer in Malaysia offering white label service for prepaid card issuing. White label prepaid cards can be combined with other financial technology services such as mobile wallets or banking apps, allowing companies in the fintech space to target […] WORLD TECH & SCIENCEA white label lending platform is a ready-made lending solution offered by third-party providers to financial institutions such as banks, credit unions, and other lending entities. Most debit cards are pretty basic in design. A white label payment gateway is a payment processing service that allows businesses to accept online payments from customers using various payment methods such as credit and debit cards, digital wallets, and mobile payments. HollaEx enables the implementation of on and off ramps for fiat payment products, including white-label debit cards, online e-commerce payments, and more. Have you ever thought you could pay for your morning latte with Bitcoin? Well, with the growing popularity of white-label debit cards, this could be your everyday reality. Private label credit cards are run in collaboration with banks or third-party financial institutions. ). Whether they want to make purchases using credit cards, debit cards, Apple. Cards typically show your lender’s name, but they may display a logo for a specific program instead. White label payment is a service offered by some banks and credit card companies to allow businesses to add their own logo and branding to the payment page. Platforms and marketplaces that have large user bases can benefit greatly by offering an e-wallet functionality via deposit. With solid relationships with multiple issuing banks and highly efficient systems,. Seamlessly combine the power of digital payments and the convenience of a digital. “W e care a lot about downside risk and we care a lot about high liquidity. Merchants must deposit into a single Chase bank account to be eligible. Launch white-label VISA cards of any type. Enjoy the benefits of our versatile and flexible card-issuing product. However, creating a crypto-loading platform or debit card from scratch can be daunting. White label card issuing. 16. Put your brand front and center. GO2bank™ cards issued by GO2bank, Member FDIC, pursuant. While white-label debit cards are associated with a bank account, other options don. Schedule a call with ProductFy's team to learn more about credit builder cards, white label debit cards and FinTech platforms, and how you can launch your own white label banking products. *When consolidating purchase volume processed through Marqeta’s platform in 2019. Benefits of White Label Credit Cards. Because private credit cards are managed by banks or financial institutions, they offer exactly the. If you want your cash instantly, you’ll have to pay a fee. Financial License Our BaaS partners have all the required regulatory approvals and licenses. Card products are white-label branded for you, and card numbers are tokenized. Payment Processed 2022. The white label nature of the platform means that the branding and. 02. 1. You can choose to launch your white-label cards with Visa, Mastercard, or UnionPay, set them up as prepaid or debit, and select physical or virtual options. CUSTOMER METAL DEBIT CARDS START AT $199. Real debit cards. Flexible and scalable bespoke debit cards in 60 days*. White-label card issuer with global payment gateway and processing solutions for prepaid and debit cards. Spend 150+ currencies anywhere in the world. Good (3. Definition of white label payment gateways. The value of these payments increased more rapidly. Secondary cards. BlueOcean Gaming is the stress-free key to starting your own successful online casino business, offering a complete high-quality white label online casino solution. Pecunpay can offer white-label card programs within the SEPA region. One of the most obvious benefits is the level of exposure that your company gets. Building and maintaining a payments infrastructure is extremely resource-intensive. Test Your POS System. BC1278918. The beauty of the White Label Loading Platform and Debit Cards at your service is the autonomy it offers users. Issue branded debit, credit or prepaid cards with one of many integrated issuers. Crypto debit cards are similar to ordinary debit cards, and most operate on one of the major card networks (Visa, Mastercard, etc. Both co-branded debit cards and white label debit cards offer a range of benefits, including: Enhanced Brand Awareness. Keypay Offers White Label Cryptocurrency Debit Card Keypay, for instance, is a one stop reliable name in this domain providing you with some amazing benefits like white label digital currency. In the ever-evolving sphere of digital finance, crypto debit cards are carving a significant niche. This not only enhances customer satisfaction but also helps businesses to stay competitive in the rapidly evolving payment landscape. You can make money every time a customer pays with their credit or debit card. A comprehensive solution enables individuals to “top up” the Pre-Paid and Debit Cards in different currencies and potentially. By offering special benefits, discounts, or rewards associated with the company’s products or services, white label debit cards can create a strong incentive for customers to continue doing business with the company, thereby fostering loyalty. Launch in as little as 2-weeks with no coding needed! Other Capabilities. These companies have experienced specialists developing white-label software and. White-label debit cards can be a good choice for many kinds of businesses because they offer several benefits that other branded cards cannot. Discover tips on choosing the perfect white-label crypto debit card solution. Comprehensive debit card processing. What Is a White Label Debit Card? A white label debit card is a payment card that is issued by a financial institution or a third-party provider on behalf of a bank, retailer, or. Frequently Asked Questions. whitelabeldebit. No matter your requirements now or in the future, Pismo Cards can support your company’s growth Live Stream Data Use the data better so you can cross sell to your customers in a more relevant way SaaS That Keeps You Running 24/7 Updates right to you, ensuring the platform always runs on the latest technology. They are authorized under the Payment and Settlement Systems Act, 2007, by the Reserve Bank of India. 8. Looking for an issuing bank? Look no further. Usually, managing private label cards involves a lot of operational costs and compliance. These cards. There is a limit of 30 transactions per second, which can cause problems when millions of people try to use it simultaneously. Use the returned reservation from step #1 as the reservationId param for card processing. Setting up a physical card program takes 10 to 12 weeks.