Alliance Data Systems is one of the leading providers of transaction, credit and marketing services in the United States. It manages more than 100 million consumer relationships for a wide range of industries, including retail, petroleum, utility, financial services, health care, marketing, telecommunications, and hospitality industries. The company provides card services, loyalty and marketing solutions, payment processing, and business process outsourcing. Its payment services include payment processing, authorization and data capture, settlement, and prepaid services. The company also offers business process outsourcing services, such as billing, utility payment processing, application management, utility consulting, and systems integration. Alliance Data is headquartered in Dallas, and employs more than 8,000 associates at over 40 locations in North America, Europe and Asia.