The pleasure and pain of online payments 19.11.2013

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Presentation "The pleasure and pain of online payments" at Arcada University of Applied Sciences 19th November 2013.

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The pleasure and pain of online payments 19.11.2013

  1. 1. The pleasure and pain of online payments Jussi Hanki Marketing Manager +358 40 142 9766 jussi@paytrail.com @JussiHanki Paytrail Innova 2 Lutakonaukio | 40100 Jyväskylä | Finland | +358 207 181 824 | info@paytrail.com | www.paytrail.com
  2. 2. Content ‣ About us ‣ Online Payments today and tomorrow ‣ Paytrail Payment Service ‣ Payment Process ‣ Paytrail account ‣ Merchant’s Panel ‣ Pricing Paytrail Innova 2 Lutakonaukio | 40100 Jyväskylä | Finland | +358 207 181 824 | info@paytrail.com | www.paytrail.com
  3. 3. About us ‣ Founded 2007 (Suomen Verkkomaksut) ‣ Turnover 2012: 3,4 M€ ‣ Employees: 38 ‣ 3900+ customers from 10 countries ‣ Transactions over 350 000 pc. / month ‣ Licensed payment institution Paytrail Innova 2 Lutakonaukio | 40100 Jyväskylä | Finland | +358 207 181 824 | info@paytrail.com | www.paytrail.com
  4. 4. Online Payments today ‣ No significant changes in the past 15 years ‣ Payment is a separate part in purchase process ‣ Lot of different payment methods ‣ Payment is complex for consumer ‣ Payment process varies by payment method ‣ Market share of payment types in Finland? Paytrail Innova 2 Lutakonaukio | 40100 Jyväskylä | Finland | +358 207 181 824 | info@paytrail.com | www.paytrail.com
  5. 5. Price group 10-20€ Credit Card 5 % Invoice and Installment 3 % Online Banking 92 % Paytrail Innova 2 Lutakonaukio | 40100 Jyväskylä | Finland | +358 207 181 824 | info@paytrail.com | www.paytrail.com
  6. 6. Price group 500-1000€ Credit Card 19 % Invoice and Installment 13 % Online banking 68 % Paytrail Innova 2 Lutakonaukio | 40100 Jyväskylä | Finland | +358 207 181 824 | info@paytrail.com | www.paytrail.com
  7. 7. Advantages and Disadvantages ‣ Advantages: ‣ Consumers are used to current practices. ‣ Safety ‣ Disadvantages: ‣ Online shops are smooth as silk, payments are not ‣ Multi-step payment process - Show stopper? ‣ Does not meet today's standards - mobile, social, identity online Paytrail Innova 2 Lutakonaukio | 40100 Jyväskylä | Finland | +358 207 181 824 | info@paytrail.com | www.paytrail.com
  8. 8. Future ‣ Payment will be seamless part of shopping experience ‣ Disappearing boundaries between on- and offline stores ‣ From mobile browsing to mobile shopping ‣ The role of social media is changing Paytrail Innova 2 Lutakonaukio | 40100 Jyväskylä | Finland | +358 207 181 824 | info@paytrail.com | www.paytrail.com
  9. 9. Advantages ‣ New business models ‣ Multi channel services ‣ Even more targeted marketing ‣ Paying on- and offline will be the same Paytrail Innova 2 Lutakonaukio | 40100 Jyväskylä | Finland | +358 207 181 824 | info@paytrail.com | www.paytrail.com
  10. 10. Payment service ‣ More sales, less hassle ‣ All payment methods, one contract ‣ ‣ ‣ ‣ Online banking buttons to all Finnish banks Card payments Paytrail Account Invoice ‣ Daily settlements to your bank account Paytrail Innova 2 Lutakonaukio | 40100 Jyväskylä | Finland | +358 207 181 824 | info@paytrail.com | www.paytrail.com
  11. 11. Paytrail is your solution to all online transactions ‣ For example: ‣ Online merchants ‣ Service providers ‣ Rental service providers ‣ Participation fees ‣ Fundraising ‣ Ticket sales Paytrail Innova 2 Lutakonaukio | 40100 Jyväskylä | Finland | +358 207 181 824 | info@paytrail.com | www.paytrail.com
  12. 12. Payment process 1. The customer selects items from e.g. online shop 2. The customer is directed to the Paytrail service to choose the payment method 3. The consumer confirms the payment 4. The consumer is immediately redirected to the online shop. Items can be shipped to the customer Paytrail Innova 2 Lutakonaukio | 40100 Jyväskylä | Finland | +358 207 181 824 | info@paytrail.com | www.paytrail.com
  13. 13. Paytrail account ‣ No more: ‣ Registering to web shops ‣ Entering your delivery address ‣ Selecting a payment method ‣ Entering your card number ‣ Authenticating and authorizing Paytrail Innova 2 Lutakonaukio | 40100 Jyväskylä | Finland | +358 207 181 824 | info@paytrail.com | www.paytrail.com
  14. 14. Paytrail account demo Paytrail Innova 2 Lutakonaukio | 40100 Jyväskylä | Finland | +358 207 181 824 | info@paytrail.com | www.paytrail.com
  15. 15. Merchant’s Panel ‣ Efficient tools for payment tracking ‣ Precise information on all received payments and settled funds ‣ Clear reports on sales developments ‣ You can transfer all payment transaction data directly to your accounting system Paytrail Innova 2 Lutakonaukio | 40100 Jyväskylä | Finland | +358 207 181 824 | info@paytrail.com | www.paytrail.com
  16. 16. We believe in providing exceptional customer service ‣ Our trained experts are here to help you with all your online payment needs: ‣ Businesses Mon - Fri 8 am - 4 pm ‣ Consumers Mon - Fri 8 am - 7 pm ‣ Technical Mon - Fri 8 am - 4 pm Paytrail Innova 2 Lutakonaukio | 40100 Jyväskylä | Finland | +358 207 181 824 | info@paytrail.com | www.paytrail.com
  17. 17. Pricing ‣ Monthly fee: 59 € / month ‣ Transaction fees: ‣ Online banking buttons 0,35 € / pc. (Nordea 0,50 € / pc.) ‣ Visa, MasterCard 0,35 € / transaction + 2% comission ‣ Paytrail Account 0,35 € / transaction + 2% comission Paytrail Innova 2 Lutakonaukio | 40100 Jyväskylä | Finland | +358 207 181 824 | info@paytrail.com | www.paytrail.com
  18. 18. Thank you! Jussi Hanki Marketing Manager +358 40 142 9766 jussi@paytrail.com @JussiHanki Paytrail Innova 2 Lutakonaukio | 40100 Jyväskylä | Finland | +358 207 181 824 | info@paytrail.com | www.paytrail.com

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