Selected research
Industry Growth & Trends
Global Unattended Payment Solution Industry Growth and Trends Forecast to 2032
Market perspective
The global Unattended Payment Solution market was valued at US$ million in 2026 and is projected to reach US$ million by 2032, implying a CAGR of xx% over 2026-2032.
The North America market for Unattended Payment Solution is projected to increase from US$ million in 2026 to US$ million by 2032, corresponding to a CAGR of % over 2026-2032.
The Europe market for Unattended Payment Solution is projected to increase from US$ million in 2026 to US$ million by 2032, registering a CAGR of % over 2026-2032.
Read the full market overview
The Asia Pacific market for Unattended Payment Solution is projected to increase from US$ million in 2026 to US$ million by 2032, at a CAGR of % over 2026-2032.
Leading global manufacturers of Unattended Payment Solution include Nayax, UCP Inc, Payroc, NMI, Ingenico, Verifone, PAX Technology, OTI and MONEXgroup, among others. In 2025, the top three vendors together accounted for approximately % of global revenue.
Report Scope
This report provides a structured, data-driven view of the global Unattended Payment Solution market, combining harmonized quantitative metrics with targeted qualitative insight to support business and growth strategy, market positioning, and capital allocation.
The Unattended Payment Solution market size, estimates, and forecasts are presented in terms of sales volume (k units) and revenue (US$ million), with 2025 as the base year and historical and forecast data for 2021-2032. The report segments the global Unattended Payment Solution market by Type, Application, region/country, and company, provides regional market sizes at the segment level, profiles the competitive landscape and key players and their market ranks, and reviews technology trends and new product developments relevant to Unattended Payment Solution.
Key Companies & Market Share Insights
This section analyzes the strategies and performance of leading manufacturers in the global Unattended Payment Solution market, including portfolio focus, innovation and product development, mergers and acquisitions, collaborations, and geographic expansion used to sustain or enhance competitive positions. It also summarizes recent corporate developments and key financial indicators and provides global revenue, price, and sales volume data by manufacturer for 2020-2025, enabling benchmarking of scale, pricing, and market share and supporting assessment of market concentration through indicators such as CR5 and CR10.
Unattended Payment Solution Market by Company
Nayax
UCP Inc
Payroc
NMI
Ingenico
Verifone
PAX Technology
OTI
MONEXgroup
ID TECH
myPOS
Aevi
WizarPOS
Payter
Moneris
Windcave
Logos Payments
TNS UnattendedPayments
Suresite
Castles Technology
Attenda
Paygasus
SPECTRA Technologies
Network International
Unattended Payment Solution Segment by Type
QR Code Payment
Biometric Payment
NFA/RFID Contactless Payment
IoT Automatic Payment
Others
Unattended Payment Solution Segment by Application
Retail
Hospitality
Transportation
Healthcare
Entertainment
Others
Unattended Payment Solution Segment by Region
North America
United States
Canada
Mexico
Europe
Germany
France
U.K.
Italy
Russia
Spain
Netherlands
Switzerland
Sweden
Poland
Asia-Pacific
China
Japan
South Korea
India
Australia
Taiwan
Southeast Asia
South America
Brazil
Argentina
Chile
Middle East & Africa
Egypt
South Africa
Israel
Türkiye
GCC Countries
Key Drivers & Barriers
High-impact rendering factors and drivers have been studied in this report to aid the readers to understand the general development. Moreover, the report includes restraints and challenges that may act as stumbling blocks on the way of the players. This will assist the users to be attentive and make informed decisions related to business. Specialists have also laid their focus on the upcoming business prospects.
Reasons to Buy This Report
1. This report will help the readers to understand the competition within the industries and strategies for the competitive environment to enhance the potential profit. The report also focuses on the competitive landscape of the global Unattended Payment Solution market, and introduces in detail the market share, industry ranking, competitor ecosystem, market performance, new product development, operation situation, expansion, and acquisition. etc. of the main players, which helps the readers to identify the main competitors and deeply understand the competition pattern of the market.
2. This report will help stakeholders to understand the global industry status and trends of Unattended Payment Solution and provides them with information on key market drivers, restraints, challenges, and opportunities.
3. This report will help stakeholders to understand competitors better and gain more insights to strengthen their position in their businesses. The competitive landscape section includes the market share and rank (in volume and value), competitor ecosystem, new product development, expansion, and acquisition.
4. This report stays updated with novel technology integration, features, and the latest developments in the market.
5. This report helps stakeholders to gain insights into which regions to target globally.
6. This report helps stakeholders to gain insights into the end-user perception concerning the adoption of Unattended Payment Solution.
7. This report helps stakeholders to identify some of the key players in the market and understand their valuable contribution.
Chapter Outline
Chapter 1: Introduces the study scope of this report, executive summary of market segments by type, market size segments for North America, Europe, Asia Pacific, South America, Middle East & Africa.
Chapter 2: Introduces the market dynamics, latest developments of the market, the driving factors and restrictive factors of the market, the challenges and risks faced by manufacturers in the industry, and the analysis of relevant policies in the industry.
Chapter 3: Detailed analysis of Unattended Payment Solution manufacturers competitive landscape, price, sales, revenue, market share and ranking, latest development plan, merger, and acquisition information, etc.
Chapter 4: Sales, revenue of Unattended Payment Solution in regional level. It provides a quantitative analysis of the market size and development potential of each region and introduces the future development prospects, and market space in the world.
Chapter 5: Introduces market segments by application, market size segment for North America, Europe, Asia Pacific, South America, Middle East & Africa.
Chapter 6: Provides profiles of key players, introducing the basic situation of the main companies in the market in detail, including product sales, revenue, price, gross margin, product introduction, recent development, etc.
Chapter 7, 8, 9, 10 and 11: North America, Europe, Asia Pacific, South America, Middle East & Africa, sales and revenue by country.
Chapter 12: Analysis of industrial chain, key raw materials, manufacturing cost, and market dynamics.
Chapter 13: Concluding Insights of the report.
More report detail
Tables and figures
Scope & coverage.
Types
- QR Code Payment
- Biometric Payment
- NFA/RFID Contactless Payment
- IoT Automatic Payment
- Others
Applications
- Retail
- Hospitality
- Transportation
- Healthcare
- Entertainment
- Others
Companies covered
- Nayax
- UCP Inc
- Payroc
- NMI
- Ingenico
- Verifone
- PAX Technology
- OTI
- MONEXgroup
- ID TECH
- myPOS
- Aevi
- WizarPOS
- Payter
- Moneris
- Windcave
- Logos Payments
- TNS UnattendedPayments
- Suresite
- Castles Technology
- Attenda
- Paygasus
- SPECTRA Technologies
- Network International
Inside the report.
1 Market Overview
- 1.1 Product Definition
- 1.2 Global Market Growth Prospects
- 1.2.1 Global Unattended Payment Solution Market Size Estimates and Forecasts (2021-2032)
- 1.2.2 Global Unattended Payment Solution Sales Estimates and Forecasts (2021-2032)
- 1.3 Unattended Payment Solution Market by Type
- 1.3.1 QR Code Payment
- 1.3.2 Biometric Payment
- 1.3.3 NFA/RFID Contactless Payment
- 1.3.4 IoT Automatic Payment
- 1.3.5 Others
- 1.4 Global Unattended Payment Solution Market Size by Type
- 1.4.1 Global Unattended Payment Solution Market Size Overview by Type (2021-2032)
- 1.4.2 Global Unattended Payment Solution Historic Market Size Review by Type (2021-2026)
- 1.4.3 Global Unattended Payment Solution Forecasted Market Size by Type (2027-2032)
- 1.5 Key Regions Market Size by Type
- 1.5.1 North America Unattended Payment Solution Sales Breakdown by Type (2021-2026)
- 1.5.2 Europe Unattended Payment Solution Sales Breakdown by Type (2021-2026)
- 1.5.3 Asia-Pacific Unattended Payment Solution Sales Breakdown by Type (2021-2026)
- 1.5.4 South America Unattended Payment Solution Sales Breakdown by Type (2021-2026)
- 1.5.5 Middle East and Africa Unattended Payment Solution Sales Breakdown by Type (2021-2026)
2 Global Market Dynamics
- 2.1 Unattended Payment Solution Industry Trends
- 2.2 Unattended Payment Solution Industry Drivers
- 2.3 Unattended Payment Solution Industry Opportunities and Challenges
- 2.4 Unattended Payment Solution Industry Restraints
3 Market Competitive Landscape by Company
- 3.1 Global Top Players by Unattended Payment Solution Revenue (2021-2026)
- 3.2 Global Top Players by Unattended Payment Solution Sales (2021-2026)
- 3.3 Global Top Players by Unattended Payment Solution Price (2021-2026)
- 3.4 Global Unattended Payment Solution Industry Company Ranking, 2024 VS 2025 VS 2026
- 3.5 Global Unattended Payment Solution Major Company Production Sites & Headquarters
- 3.6 Global Unattended Payment Solution Company, Product Type & Application
- 3.7 Global Unattended Payment Solution Company Establishment Date
- 3.8 Market Competitive Analysis
- 3.8.1 Global Unattended Payment Solution Market CR5 and HHI
- 3.8.2 Global Top 5 and 10 Unattended Payment Solution Players Market Share by Revenue in 2025
- 3.8.3 2025 Unattended Payment Solution Tier 1, Tier 2, and Tier 3
4 Unattended Payment Solution Regional Status and Outlook
- 4.1 Global Unattended Payment Solution Market Size and CAGR by Region: 2021 VS 2025 VS 2032
- 4.2 Global Unattended Payment Solution Historic Market Size by Region
- 4.2.1 Global Unattended Payment Solution Sales in Volume by Region (2021-2026)
- 4.2.2 Global Unattended Payment Solution Sales in Value by Region (2021-2026)
- 4.2.3 Global Unattended Payment Solution Sales (Volume & Value), Price and Gross Margin (2021-2026)
- 4.3 Global Unattended Payment Solution Forecasted Market Size by Region
- 4.3.1 Global Unattended Payment Solution Sales in Volume by Region (2027-2032)
- 4.3.2 Global Unattended Payment Solution Sales in Value by Region (2027-2032)
- 4.3.3 Global Unattended Payment Solution Sales (Volume & Value), Price and Gross Margin (2027-2032)
5 Unattended Payment Solution by Application
- 5.1 Unattended Payment Solution Market by Application
- 5.1.1 Retail
- 5.1.2 Hospitality
- 5.1.3 Transportation
- 5.1.4 Healthcare
- 5.1.5 Entertainment
- 5.1.6 Others
- 5.2 Global Unattended Payment Solution Market Size by Application
- 5.2.1 Global Unattended Payment Solution Market Size Overview by Application (2021-2032)
- 5.2.2 Global Unattended Payment Solution Historic Market Size Review by Application (2021-2026)
- 5.2.3 Global Unattended Payment Solution Forecasted Market Size by Application (2027-2032)
- 5.3 Key Regions Market Size by Application
- 5.3.1 North America Unattended Payment Solution Sales Breakdown by Application (2021-2026)
- 5.3.2 Europe Unattended Payment Solution Sales Breakdown by Application (2021-2026)
- 5.3.3 Asia-Pacific Unattended Payment Solution Sales Breakdown by Application (2021-2026)
- 5.3.4 South America Unattended Payment Solution Sales Breakdown by Application (2021-2026)
- 5.3.5 Middle East and Africa Unattended Payment Solution Sales Breakdown by Application (2021-2026)
6 Company Profiles
- 6.1 Nayax
- 6.1.1 Nayax Company Information
- 6.1.2 Nayax Business Overview
- 6.1.3 Nayax Unattended Payment Solution Sales, Revenue and Gross Margin (2021-2026)
- 6.1.4 Nayax Unattended Payment Solution Product Portfolio
- 6.1.5 Nayax Recent Developments
- 6.2 UCP Inc
- 6.2.1 UCP Inc Company Information
- 6.2.2 UCP Inc Business Overview
- 6.2.3 UCP Inc Unattended Payment Solution Sales, Revenue and Gross Margin (2021-2026)
- 6.2.4 UCP Inc Unattended Payment Solution Product Portfolio
- 6.2.5 UCP Inc Recent Developments
- 6.3 Payroc
- 6.3.1 Payroc Company Information
- 6.3.2 Payroc Business Overview
- 6.3.3 Payroc Unattended Payment Solution Sales, Revenue and Gross Margin (2021-2026)
- 6.3.4 Payroc Unattended Payment Solution Product Portfolio
- 6.3.5 Payroc Recent Developments
- 6.4 NMI
- 6.4.1 NMI Company Information
- 6.4.2 NMI Business Overview
- 6.4.3 NMI Unattended Payment Solution Sales, Revenue and Gross Margin (2021-2026)
- 6.4.4 NMI Unattended Payment Solution Product Portfolio
- 6.4.5 NMI Recent Developments
- 6.5 Ingenico
- 6.5.1 Ingenico Company Information
- 6.5.2 Ingenico Business Overview
- 6.5.3 Ingenico Unattended Payment Solution Sales, Revenue and Gross Margin (2021-2026)
- 6.5.4 Ingenico Unattended Payment Solution Product Portfolio
- 6.5.5 Ingenico Recent Developments
- 6.6 Verifone
- 6.6.1 Verifone Company Information
- 6.6.2 Verifone Business Overview
- 6.6.3 Verifone Unattended Payment Solution Sales, Revenue and Gross Margin (2021-2026)
- 6.6.4 Verifone Unattended Payment Solution Product Portfolio
- 6.6.5 Verifone Recent Developments
- 6.7 PAX Technology
- 6.7.1 PAX Technology Company Information
- 6.7.2 PAX Technology Business Overview
- 6.7.3 PAX Technology Unattended Payment Solution Sales, Revenue and Gross Margin (2021-2026)
- 6.7.4 PAX Technology Unattended Payment Solution Product Portfolio
- 6.7.5 PAX Technology Recent Developments
- 6.8 OTI
- 6.8.1 OTI Company Information
- 6.8.2 OTI Business Overview
- 6.8.3 OTI Unattended Payment Solution Sales, Revenue and Gross Margin (2021-2026)
- 6.8.4 OTI Unattended Payment Solution Product Portfolio
- 6.8.5 OTI Recent Developments
- 6.9 MONEXgroup
- 6.9.1 MONEXgroup Company Information
- 6.9.2 MONEXgroup Business Overview
- 6.9.3 MONEXgroup Unattended Payment Solution Sales, Revenue and Gross Margin (2021-2026)
- 6.9.4 MONEXgroup Unattended Payment Solution Product Portfolio
- 6.9.5 MONEXgroup Recent Developments
- 6.10 ID TECH
- 6.10.1 ID TECH Company Information
- 6.10.2 ID TECH Business Overview
- 6.10.3 ID TECH Unattended Payment Solution Sales, Revenue and Gross Margin (2021-2026)
- 6.10.4 ID TECH Unattended Payment Solution Product Portfolio
- 6.10.5 ID TECH Recent Developments
- 6.11 myPOS
- 6.11.1 myPOS Company Information
- 6.11.2 myPOS Business Overview
- 6.11.3 myPOS Unattended Payment Solution Sales, Revenue and Gross Margin (2021-2026)
- 6.11.4 myPOS Unattended Payment Solution Product Portfolio
- 6.11.5 myPOS Recent Developments
- 6.12 Aevi
- 6.12.1 Aevi Company Information
- 6.12.2 Aevi Business Overview
- 6.12.3 Aevi Unattended Payment Solution Sales, Revenue and Gross Margin (2021-2026)
- 6.12.4 Aevi Unattended Payment Solution Product Portfolio
- 6.12.5 Aevi Recent Developments
- 6.13 WizarPOS
- 6.13.1 WizarPOS Company Information
- 6.13.2 WizarPOS Business Overview
- 6.13.3 WizarPOS Unattended Payment Solution Sales, Revenue and Gross Margin (2021-2026)
- 6.13.4 WizarPOS Unattended Payment Solution Product Portfolio
- 6.13.5 WizarPOS Recent Developments
- 6.14 Payter
- 6.14.1 Payter Company Information
- 6.14.2 Payter Business Overview
- 6.14.3 Payter Unattended Payment Solution Sales, Revenue and Gross Margin (2021-2026)
- 6.14.4 Payter Unattended Payment Solution Product Portfolio
- 6.14.5 Payter Recent Developments
- 6.15 Moneris
- 6.15.1 Moneris Company Information
- 6.15.2 Moneris Business Overview
- 6.15.3 Moneris Unattended Payment Solution Sales, Revenue and Gross Margin (2021-2026)
- 6.15.4 Moneris Unattended Payment Solution Product Portfolio
- 6.15.5 Moneris Recent Developments
- 6.16 Windcave
- 6.16.1 Windcave Company Information
- 6.16.2 Windcave Business Overview
- 6.16.3 Windcave Unattended Payment Solution Sales, Revenue and Gross Margin (2021-2026)
- 6.16.4 Windcave Unattended Payment Solution Product Portfolio
- 6.16.5 Windcave Recent Developments
- 6.17 Logos Payments
- 6.17.1 Logos Payments Company Information
- 6.17.2 Logos Payments Business Overview
- 6.17.3 Logos Payments Unattended Payment Solution Sales, Revenue and Gross Margin (2021-2026)
- 6.17.4 Logos Payments Unattended Payment Solution Product Portfolio
- 6.17.5 Logos Payments Recent Developments
- 6.18 TNS UnattendedPayments
- 6.18.1 TNS UnattendedPayments Company Information
- 6.18.2 TNS UnattendedPayments Business Overview
- 6.18.3 TNS UnattendedPayments Unattended Payment Solution Sales, Revenue and Gross Margin (2021-2026)
- 6.18.4 TNS UnattendedPayments Unattended Payment Solution Product Portfolio
- 6.18.5 TNS UnattendedPayments Recent Developments
- 6.19 Suresite
- 6.19.1 Suresite Company Information
- 6.19.2 Suresite Business Overview
- 6.19.3 Suresite Unattended Payment Solution Sales, Revenue and Gross Margin (2021-2026)
- 6.19.4 Suresite Unattended Payment Solution Product Portfolio
- 6.19.5 Suresite Recent Developments
- 6.20 Castles Technology
- 6.20.1 Castles Technology Company Information
- 6.20.2 Castles Technology Business Overview
- 6.20.3 Castles Technology Unattended Payment Solution Sales, Revenue and Gross Margin (2021-2026)
- 6.20.4 Castles Technology Unattended Payment Solution Product Portfolio
- 6.20.5 Castles Technology Recent Developments
- 6.21 Attenda
- 6.21.1 Attenda Company Information
- 6.21.2 Attenda Business Overview
- 6.21.3 Attenda Unattended Payment Solution Sales, Revenue and Gross Margin (2021-2026)
- 6.21.4 Attenda Unattended Payment Solution Product Portfolio
- 6.21.5 Attenda Recent Developments
- 6.22 Paygasus
- 6.22.1 Paygasus Company Information
- 6.22.2 Paygasus Business Overview
- 6.22.3 Paygasus Unattended Payment Solution Sales, Revenue and Gross Margin (2021-2026)
- 6.22.4 Paygasus Unattended Payment Solution Product Portfolio
- 6.22.5 Paygasus Recent Developments
- 6.23 SPECTRA Technologies
- 6.23.1 SPECTRA Technologies Company Information
- 6.23.2 SPECTRA Technologies Business Overview
- 6.23.3 SPECTRA Technologies Unattended Payment Solution Sales, Revenue and Gross Margin (2021-2026)
- 6.23.4 SPECTRA Technologies Unattended Payment Solution Product Portfolio
- 6.23.5 SPECTRA Technologies Recent Developments
- 6.24 Network International
- 6.24.1 Network International Company Information
- 6.24.2 Network International Business Overview
- 6.24.3 Network International Unattended Payment Solution Sales, Revenue and Gross Margin (2021-2026)
- 6.24.4 Network International Unattended Payment Solution Product Portfolio
- 6.24.5 Network International Recent Developments
7 North America by Country
- 7.1 North America Unattended Payment Solution Sales by Country
- 7.1.1 North America Unattended Payment Solution Sales Growth Rate (CAGR) by Country: 2021 VS 2025 VS 2032
- 7.1.2 North America Unattended Payment Solution Sales by Country (2021-2026)
- 7.1.3 North America Unattended Payment Solution Sales Forecast by Country (2027-2032)
- 7.2 North America Unattended Payment Solution Market Size by Country
- 7.2.1 North America Unattended Payment Solution Market Size Growth Rate (CAGR) by Country: 2021 VS 2025 VS 2032
- 7.2.2 North America Unattended Payment Solution Market Size by Country (2021-2026)
- 7.2.3 North America Unattended Payment Solution Market Size Forecast by Country (2027-2032)
8 Europe by Country
- 8.1 Europe Unattended Payment Solution Sales by Country
- 8.1.1 Europe Unattended Payment Solution Sales Growth Rate (CAGR) by Country: 2021 VS 2025 VS 2032
- 8.1.2 Europe Unattended Payment Solution Sales by Country (2021-2026)
- 8.1.3 Europe Unattended Payment Solution Sales Forecast by Country (2027-2032)
- 8.2 Europe Unattended Payment Solution Market Size by Country
- 8.2.1 Europe Unattended Payment Solution Market Size Growth Rate (CAGR) by Country: 2021 VS 2025 VS 2032
- 8.2.2 Europe Unattended Payment Solution Market Size by Country (2021-2026)
- 8.2.3 Europe Unattended Payment Solution Market Size Forecast by Country (2027-2032)
9 Asia-Pacific by Country
- 9.1 Asia-Pacific Unattended Payment Solution Sales by Country
- 9.1.1 Asia-Pacific Unattended Payment Solution Sales Growth Rate (CAGR) by Country: 2021 VS 2025 VS 2032
- 9.1.2 Asia-Pacific Unattended Payment Solution Sales by Country (2021-2026)
- 9.1.3 Asia-Pacific Unattended Payment Solution Sales Forecast by Country (2027-2032)
- 9.2 Asia-Pacific Unattended Payment Solution Market Size by Country
- 9.2.1 Asia-Pacific Unattended Payment Solution Market Size Growth Rate (CAGR) by Country: 2021 VS 2025 VS 2032
- 9.2.2 Asia-Pacific Unattended Payment Solution Market Size by Country (2021-2026)
- 9.2.3 Asia-Pacific Unattended Payment Solution Market Size Forecast by Country (2027-2032)
10 South America by Country
- 10.1 South America Unattended Payment Solution Sales by Country
- 10.1.1 South America Unattended Payment Solution Sales Growth Rate (CAGR) by Country: 2021 VS 2025 VS 2032
- 10.1.2 South America Unattended Payment Solution Sales by Country (2021-2026)
- 10.1.3 South America Unattended Payment Solution Sales Forecast by Country (2027-2032)
- 10.2 South America Unattended Payment Solution Market Size by Country
- 10.2.1 South America Unattended Payment Solution Market Size Growth Rate (CAGR) by Country: 2021 VS 2025 VS 2032
- 10.2.2 South America Unattended Payment Solution Market Size by Country (2021-2026)
- 10.2.3 South America Unattended Payment Solution Market Size Forecast by Country (2027-2032)
11 Middle East and Africa by Country
- 11.1 Middle East and Africa Unattended Payment Solution Sales by Country
- 11.1.1 Middle East and Africa Unattended Payment Solution Sales Growth Rate (CAGR) by Country: 2021 VS 2025 VS 2032
- 11.1.2 Middle East and Africa Unattended Payment Solution Sales by Country (2021-2026)
- 11.1.3 Middle East and Africa Unattended Payment Solution Sales Forecast by Country (2027-2032)
- 11.2 Middle East and Africa Unattended Payment Solution Market Size by Country
- 11.2.1 Middle East and Africa Unattended Payment Solution Market Size Growth Rate (CAGR) by Country: 2021 VS 2025 VS 2032
- 11.2.2 Middle East and Africa Unattended Payment Solution Market Size by Country (2021-2026)
- 11.2.3 Middle East and Africa Unattended Payment Solution Market Size Forecast by Country (2027-2032)
12 Value Chain and Sales Channels Analysis
- 12.1 Unattended Payment Solution Value Chain Analysis
- 12.1.1 Unattended Payment Solution Key Raw Materials
- 12.1.2 Key Raw Materials Price
- 12.1.3 Raw Materials Key Suppliers
- 12.1.4 Manufacturing Cost Structure
- 12.1.5 Unattended Payment Solution Production Mode & Process
- 12.2 Unattended Payment Solution Sales Channels Analysis
- 12.2.1 Direct Comparison with Distribution Share
- 12.2.2 Unattended Payment Solution Distributors
- 12.2.3 Unattended Payment Solution Customers
13 Concluding Insights
14 Appendix
- 14.1 Reasons for Doing This Study
- 14.2 Research Methodology
- 14.3 Research Process
- 14.4 Authors List of This Report
- 14.5 Data Source
- 14.5.1 Secondary Sources
- 14.5.2 Primary Sources
- 14.6 Disclaimer
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