Commercial companies include retailers, oil companies, airlines, travel and entertainment agencies, hotels, and telephone companies. Less than 1,000 commercial companies offer credit card programs to retailers. Commercial companies frequently use commercial vendors to accomplish authorization services.
Oil companies are beginning to use retail companies (e.g., Sears, J. C. Penney) networks to deliver credit and authorization services.
Telephone companies are increasingly promoting the use of credit cards to make long distance calls. Authorization is accomplished through commercial credit card vendors.
Commercial companies conduct a major portion of credit card authorization and processing services directly with their own retailers. Such services are considered “in-house” and are not included in the information services expenditure forecast in this study.