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  • First I want to thank you all for taking the time to be here. We have
  • How does PayPal provide you the opportunity to grow?
    By the amount of consumer demand we deliver through 141M consumer accounts and 31% YOY growth.
    By our global footprint, and the 1000’s of merchants that need developers to help them build PayPal-based e-commerce solutions.
  • 1. Ensure each transaction you accept and process is valid, and be careful in reviewing suspicious transactions because some may be valid
    Authenticate buyers when possible
    Screen orders for fraud patterns
    Review suspicious transactions
    2. Make sure only authorized users have access to your payment gateway account, and be alert for suspicious account access patterns
    Lock down administrative access
    Monitor account level activity for suspicious patterns
    3. Lock down network access
    Update all patches on servers and operating systems
    Monitor firewall activity
  • Business Description – explains what the company does, including what products and services it provides; usually displayed in a prominent place such as the “About Us” section
    Privacy Policy – Describes how the company treats and protects customers’ information; usually linked from the homepage so it is easy to find
    Shipping Policy – Details shipping terms, shipping classes offered, & expected delivery timeframe, APO/FPO/international options, and how to track a purchase
    Return Policy – Provides clear guidelines on how a return is handled (i.e., exchanges or credits), the allowable timeframe, how to pack the returned item, where to ship returned the item, and restocking fees (if applicable)
    Contact Information – Makes it easy for customers to get in touch with the merchant via different communication channels; provide a phone number, email address and mail address
  • PayPal offers a wide range of products for many different merchant needs.
    Identify features the client needs
    Understand technology involved
    Integrate Paypal
    SAM’S COMMENTS
    Sam’s Comments
    Slide 11: Total nit, but we’re showing shopping cart icons above some products that really don’t apply to traditional ecommerce and aren’t really very related to shopping cart-type transactions. Can we show an invoice over Email Payments, for example? And maybe a phone above VT?
    Slide 12: Seems like an abrupt transition to the Scenario slides. Feels like we should have on slide that tees that up over the overviews we’ll give on Slide 11. I could just talk to it, but it might flow better with a transition slide.
    Remove last s from standard
    Mayumi’s comments
    As a transition perhaps we can include why it’s important to select the right product.
    Mollie’s comments
    Slide 12 – can we add some animation, highlight/pull out the products that we have a scenario for, then display the scenarios under each product that we are going to discuss in detail?

Transcript

  • 1. Introduction to PayPal Payment Solutions
  • 2. PayPal Helps Bring You New Customers Drivers of Consumer Demand for PayPal PayPal is: Secure Simple Fast Opportunities for Merchants 14% 51% 141M Increase in sales for Percentage of small to mid-sized consumers who would Number of PayPal businesses that added have abandoned their accounts worldwide PayPal Express purchase if PayPal Checkout* payments were not available** ***Source:PayPal study of of small to mid-sized Source: PayPal survey small- and mediumbusinesses, November sized businesses, 2006 2007 2
  • 3. The PayPal Opportunity PayPal is the safer, easier way to get paid by online shoppers around the world. PayPal Growth ► 141M accounts ► 31% yoy volume growth ► 190 countries ► 70+ currencies PayPal helps you grow your business ► 1000s of merchants add PayPal every year 3
  • 4. Understanding the Payment Processing Network Individuals ► Merchant – seller of goods ► Customer – buyer of goods Institutions ► Customer’s Issuing Bank – provides customer’s credit card information and verification ► Merchant’s Acquiring Bank – provides internet merchant account ► Processor – authorizes credit card transactions and settles funds for merchants PayPal Shopping Cart Software 4
  • 5. The Payment Network Provides Processes and Services Processes ► Authorization – the process of verifying a customer’s credit card ► Settlement – the process of collecting funds from the customer’s account Services ► Payment Processing Service – connects merchants, customers, and banks through secure online transactions. ► Gateway – the secure pipe between the banks and the processor PayPal Shopping Cart Software 5
  • 6. Authorization Process Payment Processing Service 3 2 7 6 Merchant 4 8 Customer 1 5 Customer’s issuing bank Processor 1. Customer decides to make an online purchase and inputs credit card information 2. 3. 4. 5. 6. 7. 8. Merchant’s website receives customer information and sends it to a payment processing service Payment processing service routes information to processor Processor routes information to bank that issued customer’s credit card (issuing bank) Issuing bank sends authorization (or declination) to processor Processor routes transaction results to payment processing service Payment processing service sends results to merchant Merchant decides to accept or reject purchase PayPal Shopping Cart Software 6
  • 7. Settlement Process Payment Processing Service 2 1 4 3 Merchant 7 Customer’s issuing bank 5 Processor 6 Merchant’s acquiring bank Customer 1. Merchant informs the payment processing service to settle transactions 2. Payment processing service sends transaction information to the processor 3. Processor checks the information and forwards settled transaction information to the issuing bank 4. Issuing bank transfers funds to the processor 5. Processor routes funds to the acquiring bank 6. Acquiring bank credits merchant’s bank account 7. Issuing bank includes merchant’s charge on customer’s credit card account PayPal Shopping Cart Software 7
  • 8. PayPal Provides an All-in-One Solution for Online Merchants Payment Processing Service Customer’s issuing bank Merchant Processor Customer Merchant’s acquiring bank Protecting the security of a merchant’s information is the top priority at PayPal. . PayPal Shopping Cart Software 8
  • 9. Understanding the Risks of Internet Fraud Vulnerabilities abound… ► Authentication is a challenge ► Hackers can break into a merchant’s network ► Hackers can also steal customer identities ► Multiple access points for break-ins PayPal Shopping Cart Software …leading to losses ► An estimated $2.8B USD was lost to online fraud in the U.S. and Canada in 2005 ► The rate of credit card fraud for online sales is three to four times higher than the overall fraud rate 9
  • 10. Common Fraud-Related Risks Product theft Using a stolen credit card to purchase goods and services Accessing payment networks Accessing a payment network to complete fraud PayPal Shopping Cart Software Chargebacks A cardholder disputes a credit card purchase Identity theft Using stolen information to open new credit cards Cash theft Issuing unauthorized credits or payments 10
  • 11. How to Protect Your Business Against Fraud 1 Transaction Level Ensure each transaction you accept and process is valid, and be careful in reviewing suspicious transactions because some may be valid. 2 Account Level Make sure only authorized users have access to your payment gateway account, and be alert for suspicious account access patterns. 3 Network Level Ensure your perimeter is defended against unauthorized access. PayPal Shopping Cart Software 11
  • 12. Your Disclosure Policy Tells Customers that You Are Honest and Dependable 1 Business Description – Explains what the company does 2 Privacy Policy – Describes how the company treats and protects customers’ information 3 Shipping Policy – Details shipping terms, shipping classes offered, & expected delivery timeframe 4 Return Policy – Provides clear guidelines on how a return is handled 5 Contact Information – Makes it easy for customers to get in touch with the merchant via different communication channels PayPal Shopping Cart Software 12
  • 13. Compliance with PCI Data Security Standards Must Be Followed Control Objective Requirement Build and Maintain a Secure Network 1. Install and maintain a firewall configuration to protect cardholder data 2. Do not use vendor-supplied defaults for system passwords and other security parameters Protect Cardholder Data 3. Protect stored cardholder data 4. Encrypt transmission of cardholder data across open, public networks Maintain a Vulnerability Management Program 5. Use and regularly update anti-virus software 6. Develop and maintain secure systems and applications Implement Strong Access Control Measures 7. Restrict access to cardholder data by business need-toknow 8. Assign a unique ID to each person with computer access 9. Restrict physical access to cardholder data 10. Track and monitor all access to network resources and cardholder data 11. Regularly test security systems and processes Regularly Monitor and Test Networks Maintain an Information Security Policy PayPal Shopping Cart Software 12. Maintain a policy that addresses information security 13
  • 14. PayPal Offers the Payment Solution that Meets Your Business Need PayPal Products Website Payments Standard Website Payments Pro** Express Checkout** Payflow Gateway Scenario #1 Scenario #2 Scenario #3 Scenario #4 Accept online credit card payments with minimal effort Build an all-in-one solution for accepting web, phone, fax and mail payments Accept PayPal, keep current payment processor Provide a secure connection from your online store to your merchant account PayPal Shopping Cart Software 14
  • 15. Selecting the Right Product for Your Business Product Scenario Internet merchant account needed? Website Payments Standard Website Payments Pro Accept online credit card payments with minimal effort Build an all-inone solution for accepting web, phone, fax and mail payments Accept PayPal, keep current merchant account Establish a secure connection between online store and merchant account, and keep merchant account X   X Where customers PayPal checkout Virtual Terminal included? X Business credit approval needed? X PayPal Shopping Cart Software PayPal or merchant’s website   Express Checkout PayPal Payflow Gateway PayPal or merchant’s website X  X X 15
  • 16. What’s Next ? • Start Accepting Payment with PayPal Sign up for PayPal Account Now! • Subscribe to Our Ecommerce Blog http://www.neowave.com.my/SELLMORE • Learn more on Fraud Alert System http://www.neowave.com.my/FraudAlertSyst PayPal Shopping Cart Software
  • 17. PayPal Shopping Cart for Small & Mid-Sized Business PayPal E-commerce Store Solution Selling Online? Offer your customers security and convenience with PayPal. Using PayPal to process payments within your online store allows you to accept credit, debit and PayPal payments. webShaper e-commerce is fully integrated out of the box with PayPal. Simply select PayPal as a payment option and enter your user ID and password to start taking PayPal payments from your ecommerce site. Test Drive it Today! Logon to http:// www.neowave.com.my/DEMO PayPal Shopping Cart Software
  • 18. PayPal Shopping Cart Software
  • 19. The information contained in this document represents the current view of Neowave Sdn Bhd on the issues discussed as of the date of publication. Because Neowave must respond to changing market conditions, it should not be interpreted to be a commitment on the part of Neowave, and Neowave cannot guarantee the accuracy of any information presented after the date of publication. This overview is for informational purposes only. Neowave MAKES NO WARRANTIES, EXPRESS OR IMPLIED, IN THIS SUMMARY. Use it at your own risk. Complying with all applicable copyright laws is the responsibility of the user. Without limiting the rights under copyright, no part of this document may be reproduced, stored in or introduced into a retrieval system, or transmitted in any form or by any means (electronic, mechanical, photocopying, recording, or otherwise), or for any purpose, without the express written permission of Neowave Sdn Bhd. Neowave may have patents, patent applications, trademarks, copyrights, or other intellectual property rights covering subject matter in this document. Except as expressly provided in any written license agreement from Neowave, the furnishing of this document does not give you any license to these patents, trademarks, copyrights, or other intellectual property. Neowave and webShaper are either registered trademarks or trademarks of Neowave Sdn Bhd in Malaysia and/or other countries. The names of actual companies and products mentioned herein may be the trademarks of their respective owners. PayPal Shopping Cart Software