At the end of 2012, PayPal had forged agreements with 23 individual retailers such as The Home Depot Inc. for mobile POS acceptance at up to 18,000 locations. An agreement with Discover Financial Services holds the potential for PayPal to become a payment option at some 7 million U.S. merchant locations. PayPal recently struck a deal to be integrated into three of NCR Corp.'s mobile applications for hospitality merchants and convenience stores, and in April it bought Iron Pearl, a startup with roots in social media that specializes in customer acquisition and engagement. PayWithMyBank (formerly Secure Vault Payments)