The international Payment Network S.A.L. (IPN) is a private company founded in 1996 and is currently owned by: • Banque du Liban et d’Outre Mer • Bank Audi • Fransabank • Credit Libanais • Byblos Bank IPN is the first leading network in Lebanon for payment by means of Automated Teller Machines. The company currently processes a group of 18 banks operating in Lebanon covering 789 ATMs spread all over the country regions ensuring different banking services such as: - Withdrawals, balance inquiry, Mini-statement Print, Bill payment, Cash Deposit and Transfer from Account to Account. All transactions are offered with Currency Selection (Lebanese Pounds and US Dollars) and real account selection. - The ability to recharge mobile phone cards via the convenience of an ATM anytime: Day or night. - "Dfa3leh" technically described as P2P (Person-to-Person) payment transaction and which is a new cashless transaction technology launched in Lebanon by IPN. It allows payments between banks' account customers of different IPN shareholders and members banks via mobile or online banking.