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(Click for frequent words.) 90 Apacs 74 Payment Clearing Services 74 Payment Clearing 73 payments association Apacs 67 association APACS 65 association Apacs 63 Cifas 62 CIFAS 62 IMRG 59 Bacs 58 MyCallcredit 57 Faster Payments 56 Faster Payments Service 55 British Insurers ABI 55 Advertising Bureau IAB 55 British Bankers Association 54 Interac Association 53 Callcredit 53 Energywatch 53 Barclaycard 52 British Retail Consortium 51 IFA Promotion 51 Interac 51 ATMIA 51 Identity Fraud Prevention 51 MoneyExpert 51 Payment Acceptance 51 BACS 51 energywatch 51 Europay MasterCard Visa 50 EMV chip 50 Paymark 50 CNP fraud 50 Employment Confederation REC 50 Services Organisation IPSO 50 Consumer Credit Counselling 50 BPPG 50 NHTCU 50 Citizens Advice 50 Building Societies 50 Abta 50 ABI 50 MoneyExpert.com 49 Ucas 49 DataCash 49 NACHA 49 Insolvency Service 49 Visa EMV 49 GamCare 49 Network Branded Prepaid 49 Europay MasterCard 49 Garlik 49 ReD 49 Citizens Advice Bureaux 49 British Phonographic Industry 49 Electronic Payments 49 Sabric 48 Moneris 48 UK Insolvency Helpline 48 sQuid 48 Moneynet.co.uk 48 CreditExpert.co.uk 48 Anti Phishing Working 48 Identity Fraud Survey 48 BWEA 48 Aesthetic Plastic Surgeons BAAPS 48 Payments Clearing 48 CreditExpert 48 Advertising Bureau 48 magnetic stripe cards 48 Uswitch 48 Unbiased.co.uk 48 moneyfacts.co.uk 48 Mortgage Lenders CML 48 Intermediary Mortgage Lenders 48 BSIA 48 CIPFA 48 Moneynet 47 KPMG Fraud Barometer 47 uswitch.com 47 Cosla 47 IMRG Capgemini e 47 Ukash 47 DCPCU 47 PCeU 47 Broadband Stakeholder Group 47 Javelin Strategy 47 RenewableUK 47 direct debits 47 Police Officers ACPO 47 FSCS 47 OFT 47 EFTPOS 47 MWE Consulting 47 CFDG 47 REPIC 47 BACSTEL IP 47 Moneyfacts.co.uk 47 HM Treasury 47 Pensions Regulator 47 Mortgage Intermediaries AMI 47 Pension Funds NAPF 47 UKIE 47 Socitm 47 Consulting Actuaries ACA 47 APCIMS 46 Eiger Systems 46 PayPoint 46 uSwitch 46 moneysupermarket 46 moneysupermarket.com 46 BAAPS 46 KPMG Forensic 46 Pharmaceutical Industry ABPI 46 FRSB 46 Drinkaware 46 GetSafeOnline.org 46 Paymark EFTPOS 46 VisitEngland 46 Gamcare 46 NBPCA 46 Online Publishers AOP 46 Kalyani Pillay 46 contactless payment 46 NCVO 46 Bankers Almanac 46 Scottish Retail Consortium 46 Payzone 46 HMRC 46 Moneyfacts 46 Mintel 46 MasterCard SecureCode 46 Moneysupermarket 46 moneynet.co.uk 46 DCMS 46 David Dooks 46 Mortgage Intermediaries 46 Directors IoD 46 Acpos 46 Bacs Direct Credit 46 Scamnesty campaign 46 EuroCommerce 45 uSwitch.com 45 Contactless 45 Fairinvestment.co.uk 45 Voluntary Organisations NCVO 45 Experian Payments 45 NO2ID 45 EMV 45 Identity Scheme 45 debit cards 45 ScotlandIS 45 TowerGroup 45 Fraud Control 45 Mercator Advisory Group 45 Direct Debit 45 Beatbullying 45 Creditsafe 45 eCOGRA 45 Daycare Trust 45 SIMalliance 45 Consulting Actuaries 45 Association IMLA 45 Residential Letting Agents 45 eBanking 45 Postwatch Scotland 45 MoneyFacts 45 Javelin Strategy & 45 NHS CFH 45 Dedicated Cheque 45 NACFB 45 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Federation HBF 44 Graduate Recruiters 44 Stephen Haddrill 44 Europay MasterCard Visa EMV 44 FSSC 44 cahoot 44 Credant Technologies 44 IAB 44 ACI Worldwide 44 Iata 44 Pin Debit 44 Orbiscom 44 learndirect 44 money.co.uk 44 BDO LLP 44 CitizenCard 44 Navca 44 Nilson Report 44 Employment Confederation 44 ONS 44 Taxation CIOT 44 ENISA 44 CallML 44 NICVA 44 OBeP 44 Visa payWave contactless 44 debit card 44 Farepak 44 EMV compliant cards 44 Seafish 44 CardHub.com 44 Worldpay 44 Teresa Perchard 44 Neovia Financial 44 IVAs 44 Benenden Healthcare 44 Scams Awareness Month 44 Becta 44 RateCity 44 NEOVIA 43 Tax Incentivised Savings 43 Direct Debit Limited 43 Travel Counsellors 43 Aesthetic Plastic Surgeons 43 phishing scams 43 Defaqto 43 Sepa 43 Carl Clump 43 Business FPB 43 Learndirect 43 CIPR 43 Moneysupermarket.com 43 IMRG Capgemini 43 BBA Libor 43 Caroline Hubberstey 43 Residential Letting Agents ARLA 43 Kevin Mountford 43 PayPoint.net 43 Eventia 43 IASH 43 unbiased.co.uk 43 Ingenico 43 InterSwitch 43 Rics 43 Moneybookers 43 Bankers Association CBA 43 EFTPOS transactions 43 OSCR 43 Debt Counsellors 43 National Debtline 43 Acas 43 Shuan Ghaidan 43 Broadbandchoices.co.uk 43 Wills Sandford 43 FairFX 43 watchdog Postwatch 43 Startups.co.uk 43 accountants BDO Stoy Hayward 43 Traders SMMT 43 NPSA 43 BACS Payment Schemes 43 Alcohol Concern 43 PCI DSS 43 Payforit 43 3V Transaction Services 43 charity NCH 43 WEEE 43 Finsec 43 Cashcard Retail Activity 43 IATA 43 Charities Aid 43 Credant 43 Trish Wexler 43 Lloyds TSB 43 provider Intelligent Environments 43 payWave 43 Chip Authentication 43 Interswitch 43 Icas 43 Motor Manufacturers 43 Counter Fraud 43 Cahoot 43 ProtectMyID 43 Debit 43 Acpo 43 Ibec 43 Association Iata 43 E zwich 43 EMV compliant 43 Citizens Advice bureaux 43 regulator Ofgem 43 PhonepayPlus 43 Lacors 43 UUK 43 BERR 43 NHS Counter 43 Cater Allen 43 phishing emails 43 MGM Advantage 43 Mortgage Lenders 43 Periodical Publishers Association 43 Feddis 43 eTranzact 43 Andrew Hagger 43 David Dooks BBA 43 ALTER EU 43 EMVCo 43 GSMA 42 TheCityUK 42 REaD Group 42 Elwa 42 Police Officers Acpo 42 Electronic Transaction 42 YESpay 42 Caxton FX 42 Farepak collapse 42 Eurosmart 42 Association BBPA 42 Ford Ennals 42 Usdaw 42 Freight Transport 42 eWise 42 Financial Regulator 42 Small Firms 42 Bankers Association 42 BPIF 42 SMMT 42 UNISON 42 ILCU 42 RBS Intermediary Partners 42 ECTA 42 Flexi Rate 42 ACCEL Exchange 42 Australia MFAA 42 Advisor SpendingPulse 42 RMI Petrol 42 FairFX.com 42 Opinium Research 42 POLi 42 NetSafe 42 Service CCCS 42 Establishing PaySecure 42 Uswitch.com 42 Commerce BCC 42 Licensed Multiple 42 Avivah Litan 42 Avine McNally 42 Infochoice 42 Cashplus 42 American Bankers Assn 42 cashcard 42 RNIB 42 Insurance Brokers Association 42 Direct Marketing 42 consultancy Detica 42 mi2g Intelligence Unit 42 Shane O'Riordain 42 Monitise Americas 42 Tenancy Deposit Scheme 42 BACTA 42 IMLA 42 Ofgem 42 NASUWT 42 BusinessPro 42 ACPOS 42 AHIPP 42 National Franchised Dealers 42 VisitBritain 42 Kwik Fit Fleet 42 OnePoll 42 PABP 42 FootFall 42 Cardpoint 42 BT Tradespace 42 CancerBACUP 42 Elspa 42 reloadable prepaid cards 42 Accountancy CIPFA 42 cashpoints 42 Infertility Network 42 Michael Izza 42 Crime Unit DCPCU 42 Cardholder 42 Futuresource 42 PIN 42 IRIS Accountancy Practice 42 minister Meg Hillier 42 Master Builders FMB 42 Dermot Jewell 42 Carl Clump CEO 42 INHOPE 42 DfES 42 IPSO 42 BMRA 42 ClearCommerce 42 Contactless payment 42 Endsleigh Insurance Services 42 Ernex 42 Detica NetReveal ® 42 FSA 42 Balpa 42 NRF 42 Smartcard 42 SEPA Direct Debit 42 Moneyexpert 42 PayItGreen 42 VoucherCodes.com 42 Eftpos 42 BBA 42 SWACHA 42 TNS Superpanel 42 Tony Neate 42 McAfee Labs 42 SSIA 42 Experian 42 RAJAR 42 AA Motoring Trust 42 preCharge 42 Tom Ilube 42 Fuelcard Company 42 energy regulator Ofgem 41 SEPA compliant 41 Group BPPG 41 ATM Debit 41 Payment Card 41 National Retail Federation 41 IAMAI 41 Ixaris 41 SCDEA 41 ABCE 41 ntl Telewest Business 41 MyVoucherCodes.co.uk 41 Simplyhealth 41 Mohsberg 41 EuroISPA 41 Nick Kalisperas 41 Dan Schatt 41 Moneris Solutions 41 Drink Federation FDF 41 FPB 41 Fostering BAAF 41 Accountancy Age 41 netbanking 41 OGCbuying.solutions 41 charity Brake 41 kitemark 41 Stephen Bubb 41 s1jobs 41 Management Consultancies Association 41 Mystery Shopping 41 insolvencies 41 NAPIT 41 Oyster Card 41 Health Protection Agency 41 lovemoney.com 41 PINsentry 41 Eyecare Trust 41 Visa Electron 41 storecard 41 EFAMA 41 RPSGB 41 Veda Advantage 41 Skipton Building Society 41 Smart Card 41 mydeposits.co.uk 41 TAWPI 41 PrePay Technologies 41 card issuers 41 Head Teachers NAHT 41 Mr Alambritis 41 Amyas Morse head 41 VocaLink 41 Scottish Renewables 41 Pensions Regulator TPR 41 Biscuit Cake Chocolate 41 NISCC 41 union Usdaw 41 telecoms watchdog Ofcom 41 smartcards 41 Tim Straughan 41 Anuj Shahani 41 Residential Lettings Agents 41 Syscap 41 cashless society 41 Graduate Recruiters AGR 41 smartcard 41 Kaye Stearman 41 TUC 41 Remote Gambling 41 Tickbox.net 41 European Bioplastics 41 Mark Schwanhausser 41 Computeractive 41 Peter Vicary Smith 41 Barclaycard OnePulse 41 Confused.com 41 ICSTIS 41 BAFT 41 Hertfordshire Constabulary 41 Identity Fraud 41 Callcredit Information 41 Age Concern 41 Finaccord 41 Paypoint 41 NHS Confederation 41 Petcore 41 ABCe 41 RICS 41 ATM skimming 41 credit cards 41 StreamShield Networks 41 Begbies 41 Pack Providers AHIPP 41 Tax Payers Alliance 41 Monilink 41 retailer Play.com 41 OnePulse 41 VisaVisa 41 ISME 41 Compensation Scheme FSCS 41 swiftcover.com 41 TfL 41 ATSCo 41 Txtlocal 41 China Unionpay CUP 41 NICEIC 41 BDO Stoy Hayward 41 Austrac 41 Carbon Reduction Commitment 41 OFCOM 41 BBPA 41 SafeCharge 41 Oyster travelcard 41 Organ Donation Taskforce 41 NSPCC 41 HDE retailers 41 CFEB 41 MasterCard Worldwide 41 PCI PED 41 Transact 41 Plug'n Pay 41 MULTOS 41 RBS Worldpay 41 NPIA 41 Association NFDA 41 NFRN 41 EMV Europay MasterCard 41 Principality Building 41 Childnet International 41 Dame Suzi Leather 41 Vanquis 41 BillPay 41 Neteller 41 Online Banking ePayments 41 James Brokenshire 41 China Unionpay 41 Eucomed 41 cardholders 41 NHS Lothian 41 Di Turpin 41 West Mercia Police 41 ACPO 41 ITSPA 41 Alphyra 40 Semiconductor Industry 40 RNID 40 MagTek 40 Tesco Clubcard 40 Martyn Saville 40 Orbiscom Ltd. 40 eftpos 40 Adeptra 40 EHRC 40 Eric Leenders 40 Denis Orrock 40 RoSPA 40 Electronic Equipment WEEE 40 Biometrics 40 Serverside Group 40 Scambusters 40 ISACA 40 Debit cards 40 Barry Hellberg 40 IAASB 40 Interac Direct 40 Passenger Focus 40 insolvency practitioners 40 Europay International 40 Actuarial Profession 40 Secondary Heads 40 vendor Sophos 40 APSCo 40 Colleges AoC 40 UKOM 40 Mark Tanzer 40 Telephone Preference Service 40 letsrecycle.com 40 IDTheftSecurity.com 40 card issuer 40 CIEH 40 INTERAC 40 Martin Hamblin GfK 40 CILT 40 reprocessors 40 EFTPOS terminals 40 Estate Agents NAEA 40 MasterCard SpendingPulse 40 DrugScope 40 Bitkom 40 Fish Friers 40 jml Insurance 40 Frances Tuke 40 Ilube 40 West Mercia Constabulary 40 Air Transport 40 Retail Banking 40 CARTES 40 Smartcards 40 Drivers ABD 40 RaboDirect 40 Simpay 40 ABPI 40 Certified Fraud Examiners 40 Forfas 40 Gift Aid 40 Hbos 40 Harry Senlitonga 40 EFTPOS machines 40 Debt Advice 40 Citizens Advice Bureaux CAB 40 Greeting Card Association 40 ETOA 40 smishing 40 Standards Institution BSI 40 WLGA 40 Accountis 40 InfoChoice 40 IAIM 40 tokenisation 40 SecureTrading 40 Stuart Glendinning 40 DigitalEurope 40 Energyhelpline.com 40 SmartNewHomes.com 40 EUROPEN 40 GfK NOP 40 DRDB 40 Spending Pulse 40 DBIS 40 Women Teachers NASUWT 40 £ #.#bn [005] 40 Detica 40 UKAS 40 Stuart Bernau Nationwide 40 Pensions DWP 40 PriceGrabber.co.uk 40 Simon Ripton 40 Acunetix 40 Scamnesty 40 reloadable prepaid Visa 40 IHL Consulting Group 40 debit cardholders 40 Vocalink 40 Semafone 40 SecureCode 40 Atradius 40 Celoxica Holdings 40 insurer LV = 40 Industry distributive trades 40 CRUK 40 PrintIT 40 #Red 40 APWG 40 0pc 40 Interactive Advertising 40 accountants BDO 40 Myvesta 40 anywhere Debit MasterCard 40 Personal Injury Lawyers APIL 40 GlobalPlatform 40 OnCampus Research 40 TNS Worldpanel 40 ethical consumerism 40 eDigital Research 40 AADB 40 DCSF 40 Cellular Telecommunications 40 Rightmove.co.uk 40 MasterCard 40 TrustDefender 40 Ivobank 40 Joanna Elson 40 Oftel 40 IFSRA 40 Holiday Consumer Intentions 40 Fostering Network 40 Postcomm 40 iGEA 40 Tristia Clarke 40 Oberthur Card Systems 40 Group APWG 40 Chartered Surveyors Rics 40 DataCash Group 40 Convenience Stores ACS 40 Gocompare.com 40 Irish Road Haulage 40 Hassan Mirza Gay.com 40 CIOB 40 Mr Macniven 40 mform 40 Homebuyer Show 40 Nomensa 40 iovation ReputationManager 40 Regulatory Reform BERR 40 Retinitis Pigmentosa Society 40 FRAPA 40 Cattle Veterinary 40 Biometric ID 40 NatCen 40 Retail Decisions ReD 40 CIFAS Members 40 eInvoicing 40 Susan Pisano 40 Not Present CNP 40 Carbon Reduction Commitment CRC 40 Leading Visitor Attractions 40 Pointsec Mobile Technologies 40 Jisc 40 Insolvencies 40 CORGI 40 ConstructionSkills 40 Individual Voluntary Arrangements IVAs 40 £ #.#billion [005] 40 cardholder 40 IFPI 40 Suren Thiru economist 40 Phonographic Industry IFPI 40 prepaid cards 40 NORAS 40 Biometric passports 40 Wales ICAEW 40 Point Topic 40 Tim Wolfenden 40 NFU Mutual 40 Service FOS 40 RSM Tenon 40 Secure Transactions 39 BIBA 39 MAS WM 39 IEEE Standards 39 ThreatMetrix 39 mi2g 39 CIOT 39 Accountants IFAC 39 1link 39 Betty Riess 39 Nursing RCN 39 shop.org 39 PetrolPrices.com 39 JICWEBS 39 cashless catering 39 VALid POS ® 39 Emma Holyer 39 Chartered Certified Accountants 39 website Fool.co.uk 39 ePayments 39 Thomson Intermedia 39 Operating Companies ATOC 39 NTRA Thoroughbred Facts 39 Mform 39 Road Haulage Association 39 union Unison 39 Association MMA www.mmaglobal.com 39 PPMA 39 Clubcard 39 Sachin Khandelwal 39 Alison Fennah 39 FSCP 39 ATVOD 39 GMPTE 39 Strathclyde Passenger Transport 39 Antony Savvas Computerworld 39 eWise payo 39 Emue 39 Cardholder Information Security 39 UCATT 39 Single Payment 39 BMA GPs Committee 39 Amir Orad 39 PRSAs 39 FFIEC 39 Borderlinx 39 AIRMIC 39 Britain Tidy 39 SITA 39 Birmingham Midshires 39 tenancy deposit 39 Gemalto 39 BELB 39 ITSO 39 Ofcom 39 Money Laundering Regulations 39 EICTA 39 Eurocare 39 Avivah Litan Gartner 39 WorldPay 39 CBI distributive 39 Action Programme WRAP 39 Opinium 39 Transcard 39 CAAST 39 iX Pay Secure 39 Subpostmasters 39 Ethoca 39 Freshfel 39 Ipsos MORI 39 Statistician Karen Dunnell 39 Money Transmitters 39 BankWorld 39 China UnionPay 39 National Readership Survey 39 MagnePrint 39 Association NBPCA 39 e zwich 39 VCOSS 39 dotMailer 39 Amer Sajed 39 Swinton Bikes 39 nfpSynergy 39 DETI 39 TIGA 39 Keycorp 39 S1 Postilion 39 Chartered Institute 39 DeviceFidelity 39 Andrew Goodsell 39 EMV cards 39 Quartix 39 Moneysavingexpert.com 39 Rob Burman IGN 39 Nici Audhlam Gardiner 39 Environment Agency 39 Defra 39 distributive trades 39 CCPAS 39 NHBC 39 FraudWatch International 39 ITAC 39 Privacy Rights Clearinghouse 39 Constructing Excellence 39 Tesco Telecoms 39 ACEVO 39 Webpay 39 NHS Grampian 39 Hibernian Aviva 39 Peter Vipond 39 Footfall 39 CIWM 39 Airmiles 39 ICAS 39 Fertility Society 39 NUJ 39 NETconsent 39 Cellular Telecommunications Industry 39 EMV Europay MasterCard Visa 39 Mühlbauer 39 Express Platinum Cashback 39 NHSScotland 39 exams regulator Ofqual 39 CB.Net 39 Payroll Giving 39 Travel Exhibitions 39 Superannuation Funds 39 Cambridgeshire Constabulary 39 Charlotte Linacre 39 PIN debit 39 IVCA 39 biller direct 39 Mike Ockenden 39 householders 39 TAEN 39 C.diff 39 Matia Grossi 39 DVLA 39 National Statistics ONS 39 Finextra 39 WASPA 39 FlexAccount 39 £ #bn [002] 39 CfH 39 One4all 39 Fraud Prevention 39 Nationwide Consumer Confidence 39 www.pieweb.com 39 NHSLA 39 LACORS 39 haart 39 Capita Registrars 39 website Rightmove 39 Food Standards 39 IFAC 39 branded prepaid debit 39 RIPA 39 EBPP 39 Visa debit cards 39 BASDA 39 PayPal 39 UPIC 39 UKTI 39 Tara Dunion 39 Meridea 39 Area SEPA 39 Sentenial 39 Nessa Feddis 39 Tellermate 39 Kavanagh Fennell 39 BMRB 39 Rahaxi 39 ITCRA 39 Alastair Lukies 39 Kantar Worldpanel 39 Slough Borough Council 39 Highways Agency 39 GPhC 39 PIN Pad 39 Council PCI SSC 39 Mortgageforce 39 sQuidcard 39 Wirecard 39 LITRG 39 Chase Paymentech 39 Mark Boleat 39 Jessica Antle 39 Darren Parslow 39 told letsrecycle.com 39 EEF 39 Hansard Society 39 branchless banking 39 Investment UKTI 39 ClearDebt 39 unauthorized debits 39 e GIF 39 ABI RESEARCH 39 Stephen Alambritis 39 bmj.com 39 Luup 39 Consult Hyperion