Transcript YESpay International

Gateway to Managed Payment Services
YESpay E-Commerce Payment Service
Vision and Strategy
Cutting the cost of Internet Payment Processing
Rohit Patni
EVP Sales and Marketing
[email protected]
Extending your Sales Channels
Accept secure on-line internet payments
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Presentation Plan
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Key Players & Business Drivers
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Increased security
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Improving payment efficiency
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Driving down integration and PSP charges
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YESpay Background
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EMBOSS Payment Processing Service
Gateway to Managed Payment Services
Extending your Sales Channels
Accept secure on-line internet payments
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Key Players – Payment Process Value Chain
Card
Acquirers
Payment
Service
Provider
Integrated on-line payments
E-Commerce
site developers
From store to web
Gateway to Managed Payment Services
eMerchants
Consumers
Minimal service cost
Extending your Sales Channels
Accept secure on-line internet payments
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Key Players Business Drivers
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Gateway to Managed Payment Services
eMerchants
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Attract and retain customers
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Increase revenues via new sales channels – 24hour shopping!
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Implement increased security - PCI-DSS, AVS, CVV and 3D Secure (Verified by Visa & SecureCode)
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Real-time transaction reports to simplify reconciliation
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Support subscription payments and eWallets (multiple payment methods)
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Reduce transaction processing costs - flat monthly fee, no individual transaction charges or annual fees
Consumers
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Convenience of on-line shopping
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Privacy and Security – VBV & SecureCode
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Low transaction costs
Extending your Sales Channels
Accept secure on-line internet payments
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Key Players Business Drivers
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Gateway to Managed Payment Services
E-Commerce web/WAP site developers
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Simple and rapid payment integration
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Security utilising HTTPS, VBV / SecureCode and SSL
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No bank testing or PCI DSS approvals
Payment Service Provider (YESpay EMBOSS Service)
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Attract and retain web merchants
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Build trust (security, fraud avoidance)
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Offer low-cost PSP services
Acquirers/Issuers
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Maximise brand coverage and expand transaction revenue
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Fraud avoidance (Mandate use of 3D Secure)
Extending your Sales Channels
Accept secure on-line internet payments
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Increased security with PCI-DSS & 3D Secure
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PCI-DSS accreditation – secure storage of card details
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Verified-By-Visa & MasterCard SecureCode
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Cardholder authentication to protect the retailer from fraudulent claims
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Simple password protected identity checking service
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Removes risk of charge-backs from cardholders repudiating an online transaction
Gateway to Managed Payment Services
Equivalent to Chip and PIN at a retail Point-of-Sale
Product /
Service
VBV/SecureCode
Authentication Server
Extending your Sales Channels
Accept secure on-line internet payments
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How it Works
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Gateway to Managed Payment Services
Click for demo
Extending your Sales Channels
Accept secure on-line internet payments
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Improving payment efficiency – eWallets
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Gateway to Managed Payment Services
Customer eWallet
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Stores card details securely
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Avoid entering card details with every online transaction
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Secure cardholder login to eWallet – transaction reporting
Merchant eWallet
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Merchant is provided with a subscription account id for the wallet account
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Merchant can charge a customer using the cardholder’s subscription account.
Advantages
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All the card details are stored on EMBOSS - no need for the merchant to be PCI DSS complaint
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Merchant website only requires the cardholder to enter card details once
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Useful for applications requiring recurring charges
Extending your Sales Channels
Accept secure on-line internet payments
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Sample E-Wallet Registration Page
Gateway to Managed Payment Services
Extending your Sales Channels
Accept secure on-line internet payments
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Gateway to Managed Payment Services
Driving down the cost of
Online Payment Processing
Extending your Sales Channels
Accept secure on-line internet payments
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Cutting the cost of Integration
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Gateway to Managed Payment Services
Re-direction model (EMBOSS pay page)
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Cardholder is redirected to the EMBOSS website for entering the card details
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All the card details are captured directly on EMBOSS for processing
API model (Merchant generated pay page)
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Merchant website presents the card capture pages to the customer
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Card details submitted to EMBOSS for processing
YESpay offers 2 integration methods
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YESpay Merchant Plug-in installed on the Merchant’s web server
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HTTP POST method does not require any YESpay software installation on the merchant website
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Simple to integrate and can be supported from any web application platform
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Web application only requires the EMBOSS merchant details and the password to start processing transactions
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Reduced support as no installation of the merchant plug-in
Extending your Sales Channels
Accept secure on-line internet payments
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Offer to Website Developers
Gateway to Managed Payment Services
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Free Simple to integrate e-Merchant Website Payment Plug-in Toolkit (FREE)
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No formal bank testing required (Pre-approved)
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We provide integration support (FREE)
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We provide validation testing service (FREE)
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End to End process including testing takes 5 – 10 days
Extending your Sales Channels
Accept secure on-line internet payments
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Traditional PSP Processing Fees
Gateway to Managed Payment Services
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Setup & Annual Costs
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Monthly Fees: Acquiring banks / PSPs
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Transaction Charges: %age of transaction plus fixed transaction fee
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3D Secure authenticated transaction Y/N
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Example Costs
Generic Acquiring
Set-up
Recurring Costs
Merchant Service Charges
£200
£25
2.5 - 3.5% per credit card transaction
plus ~1% of trans
£0.30 - £0.45 per debit card transaction
Source: www.electronic-payments.co.uk
Extending your Sales Channels
Accept secure on-line internet payments
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YESpay Payment Processing Fees
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Gateway to Managed Payment Services
Example Costs: Annual turnover£250K average trans value £20
Annual PSP Charges
£4,500
£4,000
£3,500
£3,000
£2,500
£2,000
£1,500
£1,000
£500
£0
SecureTrading Ltd
Protx
£40 Setup fee
NetBanx PSP
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YESpay Charges:
SECPay
WorldPay
YESpay
FIXED £49.50 per month
up to 1250 trans / mth
Total Annual Cost = £634
~4p / trans
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NO annual or maintenance fees
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NO per YESpay Transaction Fees or Percentage of Transaction Charges (other than IMA charges)
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NO Settlement Fees
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Same payment platform used for Chip and PIN payment processing
Extending your Sales Channels
Accept secure on-line internet payments
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Internet Merchant Accounts (IMA)
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Gateway to Managed Payment Services
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YESpay IMA Charges
– Authenticated (VBV / SecureCode)
Costs depend on:
– business’ average transaction value
• Credit Card
~2%- 2.5%
– transaction frequency
• Debit Card
~18p – 25p
– perceived security risk
– Unauthenticated
– exposure level
• Credit Card
~2.4% - 2.9%
– online turnover
• Debit Card
~25p – 30p
– how long the company has been trading
Extending your Sales Channels
Accept secure on-line internet payments
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YESpay Background
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Operating since 2002 as Payment Service Provider (PSP)
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Gateway to Managed Payment Services
Headquartered in London with development & support centre in India
EMBOSS - Multi-channel retail managed payment service
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Verified-By-Visa / MasterCard SecureCode compliant e-commerce payments
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EMV national payment services supporting EPOS, Kiosk and Mobile POS payments
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Fully acquirer pre-accredited IP-based Payment Gateway Service
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Highly secure payment services – PCI-DSS accredited by Visa and MasterCard
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Focus on Europe, USA and Asia Pac markets
Channel sales strategy
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Payment Services Delivered through Partnership > 300 partners
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Recurring revenue streams for YESpay and its partners
Low-cost, high-performance alternative to expensive ‘in-house’ payment solutions
Extending your Sales Channels
Accept secure on-line internet payments
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Customer References
Gateway to Managed Payment Services
dolcis
Extending your Sales Channels
Accept secure on-line internet payments
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EMBOSS Payment Processing Service
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Gateway to Managed Payment Services
Turning Internet Promises into Profit
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Our solutions provide a substantial return-on-investment
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You can deploy quickly with low integration and no ongoing maintenance costs
The Right Technology
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Built on flexible and open technology platforms for easy integration
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Support the broadest set of platforms and open standards
A Complete Solution
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Exclusively targeting e-commerce and Chip & PIN business initiatives
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Supports proven cryptographic standards and PCI-DSS accredited
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Multi-acquirer accredited
Market Tested Product Technology
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Our track record in delivering secure payment solutions is second to none
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Supported by an extensive customer base
Extending your Sales Channels
Accept secure on-line internet payments
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Gateway to Managed Payment Services
Any e-commerce strategy has to be centred on a
powerful, secure and cost-effective on-line payment platform.
Enable your retail website with YESpay’s EMBOSS Internet payment service to securely authorise and
settle high-volume on-line payment transactions with multiple processors and acquirers.
SEE US ON STAND E535
Questions?
[email protected]
+44(0)20 8370 6822
www.yes-pay.com
Extending your Sales Channels
Accept secure on-line internet payments
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