www.securetrading.com | sales@securetrading.com | 0333 240 6000
Increase sales through an effective
payments strategy
Pres...
www.securetrading.com | sales@securetrading.com | 0333 240 6000
 High street is in decline
 Lowest sales growth in 2 yea...
www.securetrading.com | sales@securetrading.com | 0333 240 6000
 Expanding Internationally
 Reducing Abandonment
 Incre...
Expanding Internationally
www.securetrading.com | sales@securetrading.com | 0333 240 6000
 Want to expand your business into Europe?
 Cannot rely ...
www.securetrading.com | sales@securetrading.com | 0333 240 6000
 What do you need to do to succeed in these markets?
Give...
www.securetrading.com | sales@securetrading.com | 0333 240 6000
The Payment Pipe
7
Reducing Fraud
www.securetrading.com | sales@securetrading.com | 0333 240 6000
PCI Data Security Standard
9
www.securetrading.com | sales@securetrading.com | 0333 240 6000
PCI Data Security Standard
API Solutions
 Tokenisation
 ...
www.securetrading.com | sales@securetrading.com | 0333 240 6000
3-D Secure – Success or Failure?
 Some people like it:
“I...
www.securetrading.com | sales@securetrading.com | 0333 240 6000
3-D Secure Usage is increasing…
12
0%
10%
20%
30%
40%
50%
...
www.securetrading.com | sales@securetrading.com | 0333 240 6000
 Verified by Visa
fraud rates are
almost 3x better
than n...
Reducing Abandonment
&
Increasing Approval Rates
www.securetrading.com | sales@securetrading.com | 0333 240 6000
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
Europe USA Visa Mas...
www.securetrading.com | sales@securetrading.com | 0333 240 6000
Enrolment Rates
16
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
...
www.securetrading.com | sales@securetrading.com | 0333 240 6000
Enrolment Rates
17
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
...
www.securetrading.com | sales@securetrading.com | 0333 240 6000
Approval Rates
18
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
1...
www.securetrading.com | sales@securetrading.com | 0333 240 6000
What About Abandonment?
 Abandonment rate = 2.2%
 Approv...
www.securetrading.com | sales@securetrading.com | 0333 240 6000
 “text book example of how not to design an authenticatio...
Who we are...
Overview
21
www.securetrading.com | sales@securetrading.com | 0333 240 6000
About SecureTrading
 Established & Independent
 Establis...
What we do...
Overview
www.securetrading.com | sales@securetrading.com | 0333 240 6000
Constellation of Services
24
MyST Transaction
Management
S...
www.securetrading.com | sales@securetrading.com | 0333 240 6000
 Payment Processing
 Accept credit cards and debit cards...
www.securetrading.com | sales@securetrading.com | 0333 240 6000
Integration & Products
26
Banking Layer SecureTrading Merc...
www.securetrading.com | sales@securetrading.com | 0333 240 6000
Payment Processing
27
Transactions Database
Reporting Data...
www.securetrading.com | sales@securetrading.com | 0333 240 6000
 Fully redundant, dual site
configuration delivers
unmatc...
Who we do it for...
Client Brands
www.securetrading.com | sales@securetrading.com | 0333 240 6000
Retail Clients
30
Questions & Answers
Thank-You
Matt Shooman
Corporate Sales Manager
matthew.shooman@securetrading.com
+44 (0) 1248 672 070
+44 (0) 7889 002392
...
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Internet Retailing Jumpstart Presentation

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Matt Shooman's presentation at Internet Retailing's Payments & Fraud Jumpstart Event at the Manchester Art Gallery on 7th June.

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Internet Retailing Jumpstart Presentation

  1. 1. www.securetrading.com | sales@securetrading.com | 0333 240 6000 Increase sales through an effective payments strategy Presented by: Matt Shooman Date: 7th June 2011
  2. 2. www.securetrading.com | sales@securetrading.com | 0333 240 6000  High street is in decline  Lowest sales growth in 2 years  May figures down by 2.1% year on year****  Online growing  18% growth for 2010*  Grew 19% year-on-year in April, Estimated e-retail spend for the month reaching £5.2bn**  40% of SecureTrading merchants reported increased sales in the run up to Christmas*** *IMRG Industry Report 2011 ** IMRG/ Capgemini Sales Index Report: March *** 2011SecureTrading Christmas survey ****British Retail Consortium (BRC) Online Growing
  3. 3. www.securetrading.com | sales@securetrading.com | 0333 240 6000  Expanding Internationally  Reducing Abandonment  Increasing Approval rates  Reducing Fraud Ecommerce Merchant Issues
  4. 4. Expanding Internationally
  5. 5. www.securetrading.com | sales@securetrading.com | 0333 240 6000  Want to expand your business into Europe?  Cannot rely on accepting credit and debit cards to maximise sales  Lack of take-up of credit cards as a method of payment in:  Germany  Netherlands  Austria and  Belgium  4 of the largest e-commerce markets in Europe Expand into Europe
  6. 6. www.securetrading.com | sales@securetrading.com | 0333 240 6000  What do you need to do to succeed in these markets? Give your customers the ability to pay with a method they use and understand...  ELV  iDeal  Soförtuberweisung (Epayments Direct) How to succeed in Europe
  7. 7. www.securetrading.com | sales@securetrading.com | 0333 240 6000 The Payment Pipe 7
  8. 8. Reducing Fraud
  9. 9. www.securetrading.com | sales@securetrading.com | 0333 240 6000 PCI Data Security Standard 9
  10. 10. www.securetrading.com | sales@securetrading.com | 0333 240 6000 PCI Data Security Standard API Solutions  Tokenisation  Removes requirement to hold card data  Token used to generate refunds and repeat transactions  Eliminated costly compliance for the storage Hosted Solutions  Three Options  Payment Pages  Fully Customised Appearance  Payment Pages +  As above, but with your URL  iFrame  Payment details collected without host iFrame  Completely removes compliance requirement 10
  11. 11. www.securetrading.com | sales@securetrading.com | 0333 240 6000 3-D Secure – Success or Failure?  Some people like it: “I love the guarantee” “If it wasn’t for Verified by Visa I wouldn’t trade online – I need to know I’m going to get paid”  Some people hate it “It’s just friction” “Every time I see that bloody box I cringe. I don’t want to enter another password and I don’t want my customers to do so either. It just gets in the way” 11
  12. 12. www.securetrading.com | sales@securetrading.com | 0333 240 6000 3-D Secure Usage is increasing… 12 0% 10% 20% 30% 40% 50% Jan-07 M ar-07 M ay-07 Jul-07 Sep-07 N ov-07 Jan-08 M ar-08 M ay-08 Jul-08 Sep-08 N ov-08 Jan-09 M ar-09 M ay-09 Jul-09 Sep-09 N ov-09 UK VbV penetration reached 48.3% in December from 42.7% the previous month and 40.1% in the same month a year ago 88% of UK VbV volume was fully authenticated in December VbV penetration of UK ecommerce 36 months to December 2009 48.3% Source: Visa Europe
  13. 13. www.securetrading.com | sales@securetrading.com | 0333 240 6000  Verified by Visa fraud rates are almost 3x better than non-VbV fraud rates  Card not present fraud drops 19% in 2009 … and Internet Fraud is reducing 13 Ecommerce fraud-to-sales ratio, basis points, 36 months to December 2009 Unauthenticated Fully Authenticated Source: Visa Europe, UK Payments
  14. 14. Reducing Abandonment & Increasing Approval Rates
  15. 15. www.securetrading.com | sales@securetrading.com | 0333 240 6000 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% Europe USA Visa MasterCard UK France Italy Germany Spain Enrolment Rates 15 Source: SecureTrading
  16. 16. www.securetrading.com | sales@securetrading.com | 0333 240 6000 Enrolment Rates 16 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% Europe USA Visa MasterCard UK France Italy Germany Spain Source: SecureTrading
  17. 17. www.securetrading.com | sales@securetrading.com | 0333 240 6000 Enrolment Rates 17 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% Europe USA Visa MasterCard UK France Italy Germany Spain Source: SecureTrading
  18. 18. www.securetrading.com | sales@securetrading.com | 0333 240 6000 Approval Rates 18 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% Europe USA UK France Germany Spain Italy Non 3-D 3-D Source: SecureTrading
  19. 19. www.securetrading.com | sales@securetrading.com | 0333 240 6000 What About Abandonment?  Abandonment rate = 2.2%  Approval rate:  with 3-D= 93%  Without = 87%  Adjusted benefit of 3-D Secure = 3.8% improvement 19 Source: SecureTrading 3.8%
  20. 20. www.securetrading.com | sales@securetrading.com | 0333 240 6000  “text book example of how not to design an authentication protocol”  “more than 250m users of Verified by Visa alone… probably the largest … system ever deployed” 3-D Secure 20 Source: Ross Anderson / Steven J. Murdoch
  21. 21. Who we are... Overview 21
  22. 22. www.securetrading.com | sales@securetrading.com | 0333 240 6000 About SecureTrading  Established & Independent  Established in 1997  One of the longest established PSPs in Europe  UK’s leading independent PSP  Scalable & Flexible  Fully scalable  Fully hosted or client hosted payment pages  Multi-Channel Payments  Systems process in excess of 25m transactions  Secure & Reliable  100% reliable – guaranteed  PCI DSS Level 1 Accredited  3-D Secure across all acquirers  Blue chip merchant base across a variety of sectors  Growing Fast  Transactions processed grown over 30% in last 12 months  Expanding into Europe & US  Merchants growing faster than industry* 22 *Compared to IMRG E-Retail Index
  23. 23. What we do... Overview
  24. 24. www.securetrading.com | sales@securetrading.com | 0333 240 6000 Constellation of Services 24 MyST Transaction Management SecureTrading Card Check SecureTrading Payment Gateway SecureTrading Fraud Score Alternative Payment: ELV, iDeal, PayPal, Sofortüberweisung Ukash etc. Payment Processing SecureTrading Merchant Account Service PCI DSS Solutions SecureTrading Card Store
  25. 25. www.securetrading.com | sales@securetrading.com | 0333 240 6000  Payment Processing  Accept credit cards and debit cards  100% guarantee on the availability of our payment gateway  Reduced acquiring rates through Merchant Account Service  Alternative Payment Methods  European methods such as ELV, iDeal and Sofortüberweisung  PayPal & Ukash  Counter-Fraud Services  BIN range checks via Card Check  Risk assessment via Fraud Score  Identity & Age Verification  Reporting  MyST - Real-time multi-user transaction management system Constellation of Services 25
  26. 26. www.securetrading.com | sales@securetrading.com | 0333 240 6000 Integration & Products 26 Banking Layer SecureTrading Merchant Account Service Card Issuers Acquiring Banks Technical Layer SecureTrading Payment Gateway API, Xpay or SOAPMerchant Site SecureTrading Payment Pages American Express, Discover, JCB, MasterCard & Visa AIB, Bank of Scotland, BMS, B+S, Elavon, EMSCard, HMS, LloydsTSB Cardnet, PostBank, Streamline, etc. Online OnlineMOTO MOTO DCC ELV GE Money iDeal Ikano Mobile PayPal Sofortüberweisung Ukash
  27. 27. www.securetrading.com | sales@securetrading.com | 0333 240 6000 Payment Processing 27 Transactions Database Reporting Database Settlement Database The Internet Reporting and Counter- Fraud Services SecureTrading Support Real-Time Counter-Fraud Services Multi-Currency 128 bit SSL Authorisations –APACS30 Settlements – APACS 29 Payment Gateway Acquiring Banks Settlement Delivery System Debit & Credit Cards Mail Order Telephone Order PayPal & Ukash ELV, iDeal etc. Mobile Payments Recurring Payments MERCHANT MOTO Online Mobile 3-D Secure AVS & CVV2 Identity Check Age Verification Card BIN Check Fraud Score
  28. 28. www.securetrading.com | sales@securetrading.com | 0333 240 6000  Fully redundant, dual site configuration delivers unmatched availability Infrastructure 28 Payment Site 2Payment Site 1 The Internet TNSX25 ISDN X25 P a y m e n t G a t e w a y s P a y m e n t G a t e w a y s Multi-Currency MERCHANT A c q u i r i n g B a n k s A c q u i r i n g B a n k s MOTO Online Mobile TNS ISDN
  29. 29. Who we do it for... Client Brands
  30. 30. www.securetrading.com | sales@securetrading.com | 0333 240 6000 Retail Clients 30
  31. 31. Questions & Answers
  32. 32. Thank-You Matt Shooman Corporate Sales Manager matthew.shooman@securetrading.com +44 (0) 1248 672 070 +44 (0) 7889 002392 Web: www.securetrading.com Twitter: @SecureTrading

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