EXHIBIT 12

FIRST DATA CORPORATION

COMPUTATION OF

RATIO OF EARNINGS TO FIXED CHARGES



|                                        |  |                                  |       |                                 |   |       |  |      |       |  |   |      
|--------------------------------------- |  | -------------------------------- | ----- | ------------------------------- | - | ----- |  | ---- | ----- |  | - | -----
|                                        |  | Three Months ended September 30, |       | Nine Months ended September 30,
|(in millions)                           |  | 2006                             |       | 2005                            |   | 2006  |  | 2005
|Earnings:                               |  |                                  |       |                                 |   |       |  |      |       |  |   |      
|Income before income taxes(1)           |  | $                                | 137.0 |                                 | $ | 364.5 |  | $    | 773.5 |  | $ | 757.6
|Interest expense                        |  |                                  | 72.4  |                                 |   | 53.7  |  |      | 191.3 |  |   | 141.7
|Other adjustments                       |  |                                  | 8.7   |                                 |   | 7.6   |  |      | 23.9  |  |   | 22.7 
|                                        |  |                                  |       |                                 |   |       |  |      |       |  |   |      
|Total earnings(a)                       |  | $                                | 218.1 |                                 | $ | 425.8 |  | $    | 988.7 |  | $ | 922.0
|                                        |  |                                  |       |                                 |   |       |  |      |       |  |   |      
|Fixed charges:                          |  |                                  |       |                                 |   |       |  |      |       |  |   |      
|Interest expense                        |  | $                                | 72.4  |                                 | $ | 53.7  |  | $    | 191.3 |  | $ | 141.7
|Other adjustments                       |  |                                  | 8.7   |                                 |   | 7.6   |  |      | 23.9  |  |   | 22.7 
|                                        |  |                                  |       |                                 |   |       |  |      |       |  |   |      
|Total fixed charges(b)                  |  | $                                | 81.1  |                                 | $ | 61.3  |  | $    | 215.2 |  | $ | 164.4
|                                        |  |                                  |       |                                 |   |       |  |      |       |  |   |      
|Ratio of earnings to fixed charges(a/b) |  |                                  | 2.7   |                                 |   | 6.9   |  |      | 4.6   |  |   | 5.6  



|(1) | Income before income taxes includes minority interest and equity earnings in affiliates, and excludes discontinued operations. Reflecting such amounts on a cash
basis would not materially impact the ratio due to the frequency of cash distributions.
|--- | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

For purposes of computing the ratio of earnings to
fixed charges, fixed charges consist of interest on debt, amortization of deferred financing costs and a portion of rentals determined to be representative of interest. Earnings consist of income before income taxes plus fixed charges.