vantiv llc worldpay
Get in touch to discuss the right solution. Annually, Worldpay processes over 40 billion transactions through more than 300 payment types across 146 countries and 126 currencies. The Company offers credit card processing, online payment and ATM solutions, fraud mitigation, and mobile wallet services. Your experience is our top priority. Note: In order to use Vantiv/WorldPay you must have a license key. When Retention Dept agt confronted about the hidden fees, he confirmed there are unidentifiable charges by them and there is no way to identify what the percentage markups are that they have assessed. What will be the biggest software development trends in 2021? Fifth 3rd (worldpay, Vantiv processor) took money out of my account. As a result of such issuance by Holding, the Company owns approximately 95.1% of the equity interests in Holding, with Fifth Third Bank owning the remaining equity interests. Vantiv also expects that Worldpay's senior unsecured notes due 2022 ("2022 Notes") will remain as part of Vantiv's post-merger capital structure. Developer Economics 20th Edition survey. New York, January 31, 2018 -- Moody's Investors Service ("Moody's") affirmed all of Vantiv, LLC's ("Vantiv") ratings, including the Ba2 corporate family rating, and the Ba2 rating on Worldpay Finance plc's senior unsecured notes due 2022 ("2022 Notes") following the completion of the acquisition of Worldpay Group plc ("Legacy Worldpay") for about $12 billion in enterprise value. Acquired by Fidelity National Information Services (FIS) in 2019, Worldpay serves hundreds of thousands of businesses spread across eight countries. The personal ethics was very unprofessional. We don’t have the kind of cash flow to have frozen funds that long. Worldpay always insisted on 3 year contracts with huge penalties for trying to close. Worst company I have ever done business with in over forty years. CINCINNATI and LONDON, Jan. 16, 2018 /PRNewswire/ -- Vantiv, Inc., a leading provider of payment processing services and related technology solutions for merchants and financial institutions in the U.S., announced today that it has completed its acquisition of Worldpay Group plc, a leader in technology-led payment solutions. Even with covid-19 and business closing, they terrify you to process less than you previous year average or they’ll sue you for damages. Then, we are trying to cancel and we cant cancel the lease agreement on the terminal which they price increased up by 1500%. Desc: Worldpay, Inc. was an American payment processing company and technology provider.In June 2019 it was acquired and merged into Fidelity National Information Services. Worldpay Company, LLC ... Vantiv (Barbados) SRL Barbados. technical. This may not seem very exciting, but it’s important to realize that when you read reviews online about Worldpay, RBS Worldpay, Vantiv etc., that you’re reading about the same company under different names. You sign a contract for rates and terms and it is subject to change. Reviews from Vantiv LLC employees about Vantiv LLC culture, salaries, benefits, work-life balance, management, job security, and more. The business ethics this business has, there is no rating low enough. Do your research. Keep in mind that this company is huge, so you should expect there will be a larger number of issues than smaller merchant service providers. WorldPay and Vantiv merged in 2018 and boast two headquarters: one in Ohio and one in the … As for the PCI compliance they never notified us when it was due (like honest companies would do), but they kept charging us 65$+$12.95 EVERY SINGLE month!! They also charge extra fees for statements, PCI surveys, and other insane fees I don’t understand – an overall lack of transparency. All 1.9 Replaced LitleXML with cnpAPI. NO ONE CAN EXPLAIN WHY!!! Hi Jeffery, you should have received an email for further questions. Envoy Services Bulgaria Limited Bulgaria. I signed up with Vantiv in 2014 before they were bought by Worldpay. This will be evidenced as Worldpay creates customer-centric innovation at scale, leveraging our combined operations, technology infrastructure and data and analytics capabilities. Don’t use this company, it may cost you your business! Worldpay (formerly Vantiv) is a huge payment processing company with an international footprint, but not the best reputation for customer service. TOTAL WASTE OF MONEY AND TIME! They simply do not care. 3.0 Re-branded entire document format due to the Vantiv-Worldpay merger; replaced many instances of the 'Vantiv' with 'Worldpay.’ All 2.0 Restructure and update document to include Visa Claims Resolution process. ADVANCING THE WAY THE WORLD PAYS, BANKS AND INVESTS. Let’s see what will be there respond on Monday. Be careful. until 10/12/2020 so no refund can be made. Customer reps are rude, and are not helpful in the slightest. Very disappointed in this company. Very poor customer service. Even Loyalty team members don’t help you. FIS : Other. They charged us $121 per month for four months we were closed for the virus. They charged me even when during the state closed during pandemic. Rather, the customer must make the first payment or deposit when they initially make their booking online. Let’s work together to reach your goals. I have talked to them many times, they never have my information and convieniently never get back to us when they say the will. Cision Distribution 888-776-0942 Worldpay Canada Corporation Canada. High fees, even charged on my closed account. The only thing they will do for you is increasing charges over and over and each month without letting you know. Take smarter payments. Between the Worldpay and Vantiv brands, there are almost 100 complaints on Ripoffreports.com, and around 200 complaints on BBB. Vantiv, Inc. (NYSE: VNTV), a leading provider of payment processing services and related technology solutions, announced today its agreement to acquire Moneris Solutions, Inc. (Moneris USA) from Moneris Solutions Corporation (Moneris) for $425 million USD, subject to certain adjustments. Avoid this company. © 2018 Worldpay, Inc. All Rights Reserved. Seven website domain names were linked to this address, according to WHOIS archive records. My other family business have same problem so guess what will they do?? Vantiv Financial Services Cincinnati, OH 29,533 followers This account is now closed. Make sure you COMPLETELY understand WP’s pricing as stated on their “pricing form” and “contract terms” as its not transparent. I am on the phone for more than 3 hours and they are connecting me from IT to customer service and vice versa. ADVANCING THE WAY THE WORLD PAYS, BANKS AND INVESTS. IQ has moved to https://www.accessmyiq.com/ Please update your bookmarks.https://www.accessmyiq.com/ Please update your bookmarks. Subsidiary State or Other Jurisdiction of Formation. Credit Card Merchant Services in Durango, CO. See BBB rating, reviews, complaints, & more. Biggest scammers ever. PLEASE DO NOT USE UNLESS YOU WANT NO ANSWERS AND MONEY TAKEN WITH OUT ANY EXPLAINATION WHY! A quite common written form of this address is 8500 Governors Hill Driv, Cincinnati, OH 45249. Bait and Switch, lacks integrity and very poor customer service. Worldpay had a massive security breach at the beginning of 2019 where their system was hacked and client processing accounts were cloned and used for fraud. Worldpay is awful, they don’t care anything about their merchants. Vantiv, LLC (Worldpay, Inc.): Loan Covenant Quality Snapshot Published Jul 31, 2019 9 pages (4220 words) — Published Jul 31, 2019 Ridiculous price increase! I have an issue with return or refund to the customer and I asked for help and after 2 hours wasting my time over the phone they did it wrong and now I have returned 2 times to the customer and nobody can solve my problem. Brazil. Terrible Customer service and horrible experience. I am forced to end service with them. They continually apologize with no comprehension of ant issues. This company is horrible… they almost doubled the rates from 2.5 to 4.5 on my last months processing saying that Visa and MasterCard went up on their rates. Finally, in January of 2018 Vantiv acquired Worldpay, choosing to keep the Worldpay name for the combined entity. Congratulations to the members of the Worldpay Corporate Security & Safety team for being the second company in the world to be certified as a SAFE workplace! Worldpay, Inc. Technology company. Read the complaints on WorldPay; they are almost all the same. Virtual Terminal Processing: Worldpay offers virtual terminal processing. Gave them all of my info barring my last deposit as it is required for you be transferred to speak to someone and even though you have every other piece of info if you don’t have that you are screwed. 0001422848-20-000097.rtf. They have not been able to do so, and have not yet refunded my money per my request. Worldpay, LLC Delaware. Vantiv in particular has a fair amount of negativity associated with the brand, which might be why they choose to operate under the Worldpay name despite Vantiv being the actual company doing the acquiring. You will be passed from one person to the next, each will say I’m sorry you were on hold, but then put you right back on hold. In 2001, Worldpay opened its U.S. headquarters in Atlanta, Georgia. the money is already out of your account. 1 merchant acquirers in the U.S. and the U.K., Vantiv, Inc. and Worldpay Group plc. Worldpay Integrated Payments +1 800.846.4472 Support (Former Mercury Payment Systems Merchants) Financial Institutions Service Numbers. This new global payments leader will have a pro forma enterprise value of $31 billion (£23 billion), processing over US$1.5 trillion (£1.1 trillion) in payment volume. The getting started document suggests that getting a Vantiv / WorldPay resource is a key part of the process. Vantiv, LLC Senior Lead FIS ... Worldpay Jan 2016 - Present 5 years 2 months. Vantiv Integrated Payments are an integrated card payment provider for retailers in the United States. › Vantiv worldpay › Vantiv payment login. I have to give it 2 stars and not one because the rate is pretty good. Like • Show 0 Likes 0. 1 merchant acquirers in the U.S. and the U.K., Vantiv, Inc. and Worldpay Group plc. 4 Comm Server Step2 Press the Purple hot key under the terminal icon (far right hot key).. Fees, customer service, user interface, etc.. there is nothing good about this company. Worldpay has been accredited by the BBB since 2010 and currently has a C- rating. In 2017, Worldpay Group was acquired by Vantiv for $10.6 billion. I didn’t even know the accounts were still open until I got the Sept 2020 statement. The combined company, named Worldpay Inc., is now set to process more than 40 billion transactions annually through more than 300 payment types across 146 countries and 126 currencies, according to a press release. This company is awful and doesn’t even deserve a 1 rating. I have spent entirely way too much time with these guys, only to be left frustrated and scammed out of my hard earned money. I can’t say that about your company. Well, everything was stolen so if you dont have that then what??? Let’s work together to reach your goals. Their fees are not transparent, no communication at all and God knows how many other businesses they took advantage of this way. Worldpay supports most of the common payment terminals from Verifone & Ingenico. Client support. All rights reserved. They even can’t keep with their own promises. I have had issues. I filed a complaint with the Better Business Bureau, and WorldPay refunded the $452.53 on July 3, but then withdrew anther $49.95 on July 9 and another $.20 on August 8. Loosing Business. What?! There is no customer service. Zero protection for your business. They say something today and tomorrow when you call, somebody else says something else. I have a small business in a bar & grill. They are crooks. Worldpay class A common … Vantiv today officially completed its acquisition of Worldpay Group plc. They continue to take out the money and no response regarding the claim! DO NOT USE THIS COMPANY!!!! We have been trying to close this account for 6 months. Executives of the new Worldpay - which today becomes the #1 Global Merchant Acquirer1 able to accept payments from geographies covering 99 percent of global GDP - will ring the Closing Bell of the New York Stock Exchange to celebrate the first day of trading as the newly combined company. Let's start a conversation. LOOK FOR LIQUIDITY DAMAGES in early termination section of contract they can be quite onerous in the thousands of dollars. He also writes with a focus on payment processing and software that helps small/medium sized businesses compete in an increasingly digital world. $500 is a lot of money. Five principles of circuit breakers. Two domain name owners found. Get in touch to discuss the right solution. Auth.vantiv.com Go URL . They made us wait two weeks for our money. I had told WorldPay we were waiting on the gift card list. Most of the negative reviews on Worldpay stem from their issues with customer service & support. Worldpay Holdings Brasil Participacoes Ltda. Contact our team . CINCINNATI and LONDON, Jan. 16, 2018 /PRNewswire/ -- Vantiv, Inc., a leading provider of payment processing services and related technology solutions for merchants and financial institutions in the U.S., announced today that it has completed its acquisition of Worldpay Group plc, a leader in technology-led payment solutions. The name of my company is Nessabel, LLC 6417 E Truman Rd, Kansas City, MO 64126 I’ve never been more frustrated. Literally lied to us by promising a bunch of bull just to find out that nothing was as he said. Worldpay is the worst of big business banking taking advantage of small companies. Worldpay has been charging us all kind of fees: monthly maintenance fee, yearly fee, statement fee, pci compliance fee, non pci validation, etc…. Not quite. Worldpay, LLC filed as a Foreign Limited Liability Company (LLC) in the State of Texas on Wednesday, June 10, 2009 and is approximately twelve years old, according to public records filed with Texas Secretary of State.A corporate filing is called a foreign filing when an existing corporate entity files in a state other than the state they originally filed in. I have been asking for months now to let me transfer to them about 1000 customers from my other credit card service and vice versa since I need to utilize two systems for my customers but they do not let me or they don’t understand how to do a vault PCI compliant transfer. features built to be consumed by our unique customer types. Worldpay provides payment processing services for hundreds of thousands of businesses and by all estimates will process well over a trillion dollars per year under the combined entity that resulted from Vantiv buying Worldpay. You will wait an hour to speak to a rep that will put you on hold and disconnect the call. Good luck getting anyone on the phone in less than an hour, and be prepared for them to be non professional and nasty! from 8 AM - 9 PM ET. None, I signed up with Vativ and they were bought by Wordlpay and forced me to keep the contract. Worldpay did not communicate with me about the breach, but did send me almost $8,000 in chargeback notices over a three-month period. I am writing to the BBB and the Arizona Attorney General. Also if you call them to complain about rates and they subsequently lower them, they will try to hook you into three additional years. I don’t want anyone in business have to suffer the service of WORLDPAY. New to Worldpay. Mobile Payment Processing: Worldpay offers mobile payment processing, ** Disclaimer – rates and fees are subject to change, please negotiate terms independently and review your contract. I just called for the last time today and again was issued a “claim ticket” – We will get this over to our legal team. That’s a class action suit waiting to happen. Terrible customer service. ... Point of sale (POS) or terminal device manufacturers integrating with Vantiv’s core systems may be interested in this type of integration. We had funds frozen for 3 weeks due to their own mistake and they even admitted it but it didn’t matter. Long time Vantiv customer. My two accounts were part of this breach. Really, anything. Two domain name owners found. No credit card transactions were process by them but they kept charging a fixed fee. Terrible and they don’t care. There are no words how I feel right now. As he was laughing told me it was maintenance fee. Worldpay Holdings Brasil Participacoes Ltda. Run away. I’m honest and a honorable person. The proposed combination of the two companies was announced on August 9, 2017. If you sign up for Worldpay, be prepared for junk fees, change of service without notice, and poor customer support. Let's start a conversation. every month they have additional charge and their explanation is that we wrote for you in the bottom of your online invoice. With industry-leading scale and an unmatched integrated technology platform, Worldpay offers clients a comprehensive suite of products and services globally, delivered through a single provider. Vantiv, LLC was founded in 1971 and is headquartered in Cincinnati, Ohio. I’m small business, the hundreds of dollars they took out of my account without any knowledge. I would never refer anyone to this company. Ridiculousness company and the worst customer service ever. Take smarter payments. CINCINNATI and LONDON, Jan. 16, 2018 /PRNewswire/ -- Vantiv, Inc., a leading provider of payment processing services and related technology solutions for merchants and financial institutions in the U.S., announced today that it has completed its acquisition of Worldpay Group plc, a leader in technology-led payment solutions. Worldpay, previously known as Vantiv, is a leading payments provider that is committed to simple payments across all point-of-sale (POS) solutions. In 2017, Worldpay Group was acquired by Vantiv for $10.6 billion. Please follow Worldpay and FIS. Save yourselves from working with them and just go to your local bank for merchant services. Worldpay has several transactions on hold. Aug 12, 2019: 15-12B: Termination of registration under Section 12(g) or suspension of duty to file … No one has a specific reason on why you have the funds collected on hold. Now WorldPay wait times over one hour. Our company canceled this service in January 2020 – they have been withdrawing their monthly fee from our business account every month since and I’ve called every month since and they say “Oh I have no idea why we are still taking the monthly fee out of your account” then they say that they will issue a “priority case ticket” of which I then get an email with the claim information and then….. Back during the RBS Worldpay days, there was a breach of security that resulted in 1.5 million accounts being exposed and drained of millions of dollars. DONT DO IT! I called 5 times after and after hours and hours over the phone, the issue is there. Recent change resulted in a Duplicate processing of an entire batch. Worst company ever, terible customer service and rude customer service reps. Worldpay Merchant Services Ratings & Reviews. Don’t use them. Card-Present Processing: Worldpay offers card present processing. Worldpay eCommerce LLC Vantiv eCommerce, LLC was founded in 2001. Essentially, Worldpay was founded in 1989 in the UK, before being acquired by the Royal Bank of Scotland in 2002 and changing their name to RBS Worldpay. How about ask me if I want to opt-in. Rates go up as you are in contract. Here are some of the licensees: Vantiv Holding, LLC, Worldpay Payments, Inc (licence Data Processing, Hosting, And Related Services). Their lineage is a little convoluted, as sometimes happens in banking. Let’s recall that in August 2017, the boards of Worldpay and Vantiv announced that they had reached agreement on the terms of … One thing to keep in mind with Worldpay is that due to their size, many merchants will actually sign-up to use them through a re-seller. The Advantage App is the Vantiv Integrated Payments partner program in your pocket. Obviously they know how to do it as we did it initially and the company that does the transfers is willing are ready to do the transfers but he needs the green light from (WorldPay, / Vantiv, / Virtual Terminal Plus). I would never recommend this processor. I hope when I go to a new company they will give me my money back, since I’m not staying thru 2019. This used to be typical of merchant service providers, but there are so many better options out there now that offer month to month pricing with no early termination fee, that we would almost never recommend signing a 3-year contract. I filed another complaint with the BBB; World pay never responded. You get unprecedented real-time account visibility including features such as:… Let's work together to … Even though the transaction receipts shows chip present in store. i also just cant get them to return a call. Worldpay does not appear to offer transparent pricing. Thanks. Login - iQ - Vantiv (2 days ago) Flexible. Vantiv expects that the acquisition will be completed on January 16, 2018, subject to certain closing conditions, including the necessary shareholder approvals of Vantiv and Worldpay. Read more. Six entities have stated this address in license documents. I DO NOT RECOMMEND THIS COMPANY! EX-99.5 Exhibit 99.5 Information related to Worldpay, Inc.’s business and operations and information related to certain material regulatory matters related to Worldpay, Inc.’s business Worldpay, Inc., formerly Vantiv, Inc., a Delaware corporation, is a holding company that conducts its operations through its majority-owned subsidiary, Worldpay Holding, LLC (“Worldpay Holding”). There are 48 companies that go by the name of Vantiv, LLC. I’ve never been charged one of these before and I asked them to show me in my contract where I authorized this deduction. I processed a transaction for $620 last month and got charged $80 to run that transaction. When Retention Dept agt confronted about the hidden fees, he confirmed there are unidentifiable charges by them and there is no way to identify what the percentage markups are that they have assessed. DO NOT USE THEM! The Company's line of business includes providing computer processing and data preparation services. And they have access to your bank account, so fees are deducted every month. Rating: Fair. My fees went up more then 3x the original amount, and recently they charged me an additional $215 for no reason. In this new acquisition, Worldpay is valued at $43 billion including debt. For existing Worldpay EFT customers +1 800.278.6888 Available 24x7x365. Contact our team . I do not recommend this processor. Charles and I look forward to delivering this value to our customers across the world.". The notices did not say anything about a security breach, did not say they were from Worldpay, and were typically received on or after the required response date noted on the notice. Since Vantiv is a redirect Payment Providers and doesn't include a virtual terminal, it's not currently possible to process the initial payment on an invoice from the Checkfront Booking Manager. The wait times are preposterous, hours of lost business time. Worldpay continued to charge for March ($155.84), April ($155.84), and May ($140.85) totaling $452.53, even though there have been no credit card sales processed through Worldpay since February 13, 2019. I have my contact papers that says no monthly fee, no annual fee. Customer service was awful. This company is terrible to work with and doesn’t communicate with its costumers at all. This company has bankrupt my little hole in the wall business. US Firm FIS bought Worldpay for $35 billion recently. Our recent experience around the Covid disaster has left us knowing that they don’t offer aid or plans to help businesses who are experiencing loss of revenue! I called several times to get reimbursed for all of the processing fees they charged for the fraudulent charges, but never got reimbursed. Once it took a week to get a faulty terminal replaced. These guys are horrible for questions or feedback, please contact: [email protected] [email protected] DA: 15 PA: 16 MOZ Rank: 31. Chapters 1, 2 and 5 1.10 Replaced Litle with Vantiv in Queue and Cycle names. This conversation started a months-long back and forth of trying to figure out exactly what they were holding from deposits and determining what I should be reimbursed. Will renew your contract without contacting you or individuals in your business then will charge you a ridiculous amount of money. Here are some of the licensees: Vantiv Holding, LLC, Worldpay Payments, Inc (licence Data Processing, Hosting, And Related Services). Due to their 3-year contract with early termination fee and non-competitive pricing, we would not … Hidden fees that were discovered that are assessed by Vantiv/Worldpay, they hide in Interchange Fees section of stmt. I just want to get my money back. Worldpay offers multiple integration methods for enterprise developers. Worldpay, LLC Delaware. If you complain, they will give you a case number and after one week or so if you call, they will tell you, it was denied. Customer service is shocking, I got hung up on twice in one day. Filing date Form Description Company Filer Filing Group View; Feb 14, 2020: SC 13G/A: An amendment to the SC 13G filing. Prior to acquisition, it was headquartered in the greater Cincinnati, Ohio area. They wouldn’t remove some of the charges because they were over 30 days old. Don’t be trapped in their sale rep’s false information. By protecting creativity, Access Worldpay builds cultural capital, becomes more sustainable and improves its products and processes. Very shady and worst customer service I’ve ever dealt with !!! I regret ever using this company. Would have given them a score of 0 if the site allowed! I can never log into my account online, always issues each time with the password. Avoid this company. I have put in about 20 hrs on the phone talking to different departments and no one can facilitate this or they say it can’t be done. you name it. When typing in this field, a list of search results will appear and be automatically updated as you type. Worldpay Integrated Payments +1 800.846.4472 Support (Former Mercury Payment Systems Merchants) Financial Institutions Service Numbers. The contract policy reads “Worldpay requires a 3-year contract commitment from new merchants, with a $295 termination fee for cancelling early.” and even though my account was started in 2016 (4 years ago) they are still charging me early termination fees. Brazil. It seems counter-intuitive, after all if you cut out the middle man you should get a better rate, right? This company is money hungry. We’re here to help. If you’re looking to spend the majority of your working day on hold and getting tossed about between people without the authority, or inclination to help you_world Pay is the company for you. Worldpay Do Brasil Processamento De Pagamentos Ltda. The combined company, named Worldpay, Inc. (NYSE: WP; LSE: WPY), creates a leading payments provider uniquely equipped to power global integrated omni-commerce, processing more than 40 billion transactions annually through more than 300 payment types across 146 countries and 126 currencies. Since these re-sellers bring a lot of accounts to Worldpay, they get better rates, which they can pass on to their customers. Since Vantiv is a redirect Payment Providers and doesn't include a virtual terminal, it's not currently possible to process the initial payment on an invoice from the Checkfront Booking Manager. Worldpay … Worldpay … The IT team have no experience and knowledge and they told me wrong information that caused big problems for me. The company's growth strategy includes expanding into high-growth markets, verticals and customer segments, including global eCommerce, Integrated Payments and B2B. Top 10 related websites. HVAC (Heating, Ventilation and Air-Conditioning), Machine Tools, Metalworking and Metallurgy, Aboriginal, First Nations & Native American. Worldpay, LLC Overview. Take the survey now. They offered no compensation for my time and inconvenience other than a worthless I’m sorry email. However, the BBB cites the sheer number of complaints against Worldpay and the company’s slow response to … Envoy Services Bulgaria Limited Bulgaria. Awful customer service. Being one of the largest payment processing companies in the world tends to lead to a lack of focus on individual concerns of business owners, something we have also seen from large processors like Elavon and Wells Fargo. JV Burr has worked in digital marketing for over 20 years with a core expertise in search engine marketing. This company is not accountable for anything even though they control everything regarding processing. Our bank reverses the charges but what a hassle for our bank and for us. Get support . There are no pros to being with Vantiv/Worldpay. ways of working. Canadian Envoy Technology Services Ltd. Canada. Read articles about the merger and purchase: Vantiv and Worldpay merged in 2017 for $10.4 billion. I have never experienced such dismal service from any company in my 37 years in business. DO NOT USE THEM! Brazil. Transaction Creates a Leading Global Payments Provider in Integrated Omni-Commerce, Differentiated by Leading Capabilities and Expertise in High-Growth Verticals, - Creates Leading Global eCommerce Payments Platform, - Takes Vantiv's Leadership and Expertise in Integrated Payments into New Markets, - Leverages Combined Technology Capabilities to Deliver Customer-Centric Innovation at Scale. They are thieves. The Wharton School. WORLDPAY are scam artists. iDate2008 (Экспозиция индустрии знакомств): 8 - 10 июня , 2016 Лос Анджелес - Обсуждаемые темы: технология, бизнес-модели и инвестиции по знакомства бизнес
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