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1. Atos is absolutely leader of payment systems in France, with 50% of the total market. Major merchants such as SNCF are using the service. SIPS is a hosted service which enables merchants to set up the shop without worrying too much about security and the technicality of online payments. As a matter of fact most merchants never pay any attention to the online payment system, the just go to the bank and use the one is provided either by the hosted platform where they host their shop or the one provided by their banker.