Computop_magentocom_china_2013nov

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  • 1. 03.12.2013 Masterdesign PowerPoint (c) Computop 08-2013 Ralf Gladis, CEO at Computop Facts & Trends in Asian and Global Payment MagentoCom (China), Shanghai, Nov. 18th 2013 1
  • 2. 03.12.2013 Masterdesign PowerPoint (c) Computop 08-2013 Challenges of International Retailing This presentation covers
  • 3. 03.12.2013 Masterdesign PowerPoint (c) Computop 08-2013 Agenda 01 Facts about Payments in Asia & Worldwide 02 Payment Trends in Asia and Worldwide 03 Platzhalter als Beispieltext 04 Informationen zum vierten Agenda-Punkt 05 Agenda in fünfter Textzeile 06 Platzhalter 07 Textzeile 08 ... 3
  • 4. 03.12.2013 Masterdesign PowerPoint (c) Computop 08-2013 China 2nd Largest Online Market Source: Datamonitor, Online Payments Card Not Present 2012 4
  • 5. 03.12.2013 Masterdesign PowerPoint (c) Computop 08-2013 Choice of Online Payment Tools Source: Datamonitor, Online Payments Card Not Present 2012 5
  • 6. 03.12.2013 Masterdesign PowerPoint (c) Computop 08-2013 China: Dominant Alternative Payments Source: Datamonitor, Online Payments Card Not Present 2012 6
  • 7. 03.12.2013 Masterdesign PowerPoint (c) Computop 08-2013 Netherlands: Dominant Money Transfer Source: Datamonitor, Online Payments Card Not Present 2012 7
  • 8. 03.12.2013 Masterdesign PowerPoint (c) Computop 08-2013 Domestic card brands are important Source: Datamonitor, Online Payments Card Not Present 2012 8
  • 9. 03.12.2013 Masterdesign PowerPoint (c) Computop 08-2013 Payment Processing in China ○ Popular payment methods are o Online Bank Transfers o Wallets like 99bill, Alipay and Tenpay o Cards of China Union Pay (CUP) ○ Who are the players? o PSPs such as 99bill or Alipay work like acquirers o All PSPs provide at least card acquring and bank transfers o Wallets are available at Alipay (Retail), Tenpay (Gaming) and 99bill (express checkout/ high order values) 9
  • 10. 03.12.2013 Masterdesign PowerPoint (c) Computop 08-2013 Payment Processing in China ○ Good to know… o Fees are significantly lower for Chinese legal entities with RMB settlement o Values per order are often limited to 500 RMB – can be negociated o Chinese PSPs have a different coverage of banks and consumers o Fees can vary depending on their coverage of banks o To get a broad reach and low fees use Least Cost Routing o Mobile payments require special interfaces and authentiation o Alipay is a MUST but o don't just integrate the wallet but also online bank transfers o adding several PSPs at lower costs can be rewarding 10
  • 11. 03.12.2013 Masterdesign PowerPoint (c) Computop 08-2013 Choice of Best Practices for Payments ○ ○ ○ ○ ○ ○ Consumers prefer local currencies The whole checkout process needs local languages Cards limit your reach – consider local payment methods Use settlement files for automated accounting Use payment guarantees whenever available Implement fraud prevention before fraud hits you 11
  • 12. 03.12.2013 Masterdesign PowerPoint (c) Computop 08-2013 12 Global Fraud Prevention 16% of consumers globally experienced fraud during the last 3 years Once More than once China Canada India Singapore UK Brazil US Global Sweden Italy Australia France South Africa Spain Germany Russia South Korea Netherlands Japan 0.0% Source: Datamonitor, FSCI 2011 5.0% 10.0% 15.0% 20.0% 25.0% Proportion of consumers who have been a victim of fraud in the last three years, % 30.0%
  • 13. 03.12.2013 Masterdesign PowerPoint (c) Computop 08-2013 Global Fraud Prevention ○ ○ ○ ○ ○ ○ Use payment methods with payment guarantees if available Establish fraud prevention before fraud starts pouring in Check which country credit cards come from (BIN) Check which country or city the customer IP address comes from Identify each device your customers are using Limit the number of orders or turnover per card, per IP or per device with Velocity Checks 13
  • 14. 03.12.2013 Masterdesign PowerPoint (c) Computop 08-2013 Agenda als Tabelle mit hervorgehobenem Punkt optional: Untertitel als Zusatzinformation 01 Facts about Payments in Asia & Worldwide 02 Payment Trends in Asia and Worldwide 03 Logistics, Tax and Duty 04 About Computop 05 Contact 14
  • 15. 03.12.2013 Masterdesign PowerPoint (c) Computop 08-2013 Payment Trends in Asia & Worldwide ○ Mobile POS Terminals o Internet Retail In-Store (IRIS) Merchants use tablets or smartphones to order goods online. A small mPOS terminal is connected via Bluetooth in order to process card payments with chip & PIN directly with the sales agent. o Apps for Micro Merchants Small merchants like taxi drivers or plummers use apps on their smartphones in order to process card payments with a mobile POS terminal which is connected via Bluetooth. 15
  • 16. 03.12.2013 Masterdesign PowerPoint (c) Computop 08-2013 Payment Trends in Asia & Worldwide ○ Collecting Services for Global Payments o Growing demand for alternative payments globally o Normally local bank accounts are required o With collecting merchant don't need local accounts o Standardized settlement files for automated accounting o Standardized reporting available o More refund options for most payment methods 16
  • 17. 03.12.2013 Masterdesign PowerPoint (c) Computop 08-2013 Payment Trends in Asia & Worldwide ○ Slow Mobile Payment Adoption o Mobile payment growing fast only for digital goods o Cards, PayPal and Alipay dominate mobile purchase of physical goods o Mobile QR code payments in-store and online are growing o Advantages of traditional payments for mobile commerce o Cards and wallets are very popular o Only mobile frontend interfaces are required o Backend processes for those payments already in place o Add further mobile payments in line with customer requirements 17
  • 18. 03.12.2013 Masterdesign PowerPoint (c) Computop 08-2013 Agenda 01 Facts about Payments in Asia & Worldwide 02 Payment Trends in Asia and Worldwide 03 Logistics, Tax and Duty 04 About Computop 05 Contact 18
  • 19. 03.12.2013 Masterdesign PowerPoint (c) Computop 08-2013 Tax & Duty Calculation ○ Key Challenges o Accurate calculation of duty & tax for each country o Delivery duty unpaid – nasty surprise for shopper! o Maintenance of Harmonised Tariff Codes o Regulatory compliance at cross-border ○ Best Practices o One "all-inclusive", guaranteed price at the checkout for goods, shipping, tax, duty, insurance o Provide duty payment processing for your customers o Use automated calculation of duty and taxes o Provide correct customs documentation 19
  • 20. 03.12.2013 Masterdesign PowerPoint (c) Computop 08-2013 Global Logistics ○ Key Challenges o Cost effective international shipping with track and trace throughout the global delivery journey o Cross border documentation & clearance procedures o Global returns management o Delays in refunds and reverse currency conversion ○ Best Practices o Provide options for shipping methods and costs o Simplified declaration procedures at customs clearance o Tracked deliveries on integrated carrier network door to door o Returns management solutions, with in country/region returns centre & duty draw back 20
  • 21. 03.12.2013 Masterdesign PowerPoint (c) Computop 08-2013 Agenda 01 Facts about Payments in Asia & Worldwide 02 Payment Trends in Asia and Worldwide 03 Logistics, Tax and Duty 04 About Computop 05 Contact 21
  • 22. 03.12.2013 Masterdesign PowerPoint (c) Computop 08-2013 About Computop ○ ○ ○ ○ 16 years industry experience Made in Germany but offices in USA, UK, Germany, China 2500 customers 7 billion US$ annual payment volume Payment modules available for Magento ○ Great international references 22
  • 23. 03.12.2013 Masterdesign PowerPoint (c) Computop 08-2013 23 Thank you for your attention Xixi Wang Wilson Dong Ralf Gladis China Country Manager Computop Hongkong Ltd. Vice President Sales Asia Pacific Computop Shanghai CEO / Founder Headquarter Bamberg, Germany eMail xixi.wang@computop.com eMail wilson.dong@computop.com eMail ralf.gladis@computop.com Phone +852 - 2918 8295 (HK) Phone +86-21-6468 5053 Ext 108 Phone +49 951 98009-12 Mobile +852-67386229 (HK) Mobile +86-186 0178 3373 Mobile +49 172 8335 666 Mobile +86-18717731509 (CN) www.computop.com Headquarters in Bamberg, Germany: Schwarzenbergstraße 4 • 96050 Bamberg, Germany / Phone +49 951 98009-0 • Fax +49 951 98009-20