Welcome to
AboutEstablished in 2009, PNI is a Payment Services Provider (PSP)with a proprietary suite of e-commerce and general payme...
Corporate Structure
Core Brands and Companies          PNI is the parent company.          China Payment Services (CPS) provides payment solut...
Key Company Milestones2009July        PNI Group foundedSeptember   Certified PCI DSS (Tier 1) compliant2010January     Est...
Global Coverage
Value Proposition•   Leading proprietary developed gateway technology with an advanced user interface•   Multi dimensional...
Low Risk Versus High RiskWhat – makes them High Risk?Non tangible goods, recurring billing, high ticket items, industries ...
Core Intellectual PropertyThe Gateway    99.999% Reliability - Reliability is assured with extensive multiple    redundant...
How it WorksTransaction Flow
How it WorksTraditional Model
How it WorksWhite Label Model
Gateway White Labels
Advanced Fraud Prevention SystemRisk exposure and costly fraud is greatly reduced with aleading suite of detection and pre...
Fraud Screening•   Multi stage screening process         Stages and checks run in parallel for speed and load balancing• ...
Fraud ScreeningStage 2: BlacklistComprehensive database built on our history of processing
Fraud ScreeningStage 3: Pre-Authorisation Transaction Scoring
Fraud ScreeningPost-Authorisation Stages: Refund Queue
Australian Financial Services Licence (AFSL)•   ASIC has granted PNI Financial Services Pty Ltd an Australian Financial Se...
PNI’s Focus on ChinaIn 2010 PNI started researching opportunities for providing payment solutions for China. The scale ofp...
CPS Partnered With ChinaPayChina UnionPay (CUP) is the central interbank debit card and credit card platform inChina. All ...
eCommercePayment Flow
CPS Agreement SummariesChinaPay Agreement 1 - Aggregate Solution•   Aggregate solution ideal for small-to-medium sized mer...
English           Checkout PageCustomer selectspayment methodIf they choose UnionPaythey are redirected toa hosted currenc...
Hosted Redirect            Currency Confirmation PageUSD to RMBCurrency ExampleThis page is only presentedfirst when the s...
ChinaPay            Bank Selection PageThe customer thenchooses which bankthey wish to pay via.They authorise thePayment w...
Bank Selection PageExample from JapanAirlines (JAL)
CPS Secure AdministrationThe DashboardContains SampleData Only
CPS Secure AdministrationTransactionDetailsContains SampleData Only
CPS Secure AdministrationTransactionCustomerDetailsContains SampleData Only
Revenue ModelsGateway Only Service (e.g. Payconnector)•   Basic transaction processing fee    10 – 20 cents per transactio...
Group Sales & Revenue Forecast
Thank you for your time
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PNI Introduction

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Payment Network International is a international payment processor. Please enjoy our short company presentation, should you have any question please email info@pni.com.au

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PNI Introduction

  1. 1. Welcome to
  2. 2. AboutEstablished in 2009, PNI is a Payment Services Provider (PSP)with a proprietary suite of e-commerce and general paymentprocessing solutions.Our core services include: • Virtual terminal processing (MOTO – Mail Order / Telephone Order) • Credit and debit card processing: Visa, MasterCard, UnionPay, JCB, Switch, Solo, Amex, Discover • Multiple currency processing: € £ $ ¥ • ACH/eCheck processing (US customers) • Payment gateway services (PCI DSS Certified Level 1)With connectivity to more than 80 banks and direct gateway connections intovarious card associations worldwide, PNI supports companies of all sizes toaccept payments in all major currencies.
  3. 3. Corporate Structure
  4. 4. Core Brands and Companies PNI is the parent company. China Payment Services (CPS) provides payment solutions for international online businesses selling into China, as well as payment solutions for companies within China. Velotran is a low risk merchant service entity that provide merchant services to low risk merchants in the USA, including both Point of Sale (POS) and Card Not Present (CNP) solutions. Velotran is also presently planned as the low risk service for the United Kingdom and Australia. Payconnector is a white label gateway system which can be used by merchant service companies worldwide, with their own custom design.
  5. 5. Key Company Milestones2009July PNI Group foundedSeptember Certified PCI DSS (Tier 1) compliant2010January Established eCheck Processing FacilityMay Small E-money Issuer Certificate granted by the Financial Services Authority (FSA) UKSeptember Wells Fargo Bank sponsored ISO registrationOctober Integrated directly into MasterCard’s Gateway (MiGS)2011April Global Payments AgreementAugust UnionPay/ChinaPay First and Second AgreementSeptember Planet Payments AgreementNovember Australian Financial Services Licence granted by ASIC (Australia)
  6. 6. Global Coverage
  7. 7. Value Proposition• Leading proprietary developed gateway technology with an advanced user interface• Multi dimensional services  Card not Present (CNP) Solutions  Point of Sale (POS) Solutions  Dynamic Currency Conversion (DCC) and Multi-Currency  Bespoke and white label solution flexibility• Proven experience in large scale and complex solution requirements• Unified global platform scalable across all countries and currencies• Advanced web based reporting• Multi-regional capability• Multiple integration options• Recurring payment support• VbV, SecureCode support
  8. 8. Low Risk Versus High RiskWhat – makes them High Risk?Non tangible goods, recurring billing, high ticket items, industries prone tofraud, service or legal issues. E.g. nutraceuticals, travelWhere – are they located?Certain counties have been identified as being more ‘High Risk’ than othersby the Banks and card associations. E.g. India,How – do we manage the High Risk accounts?We have strict controls on our internal fraud screening tools/systems to ensure we are monitoring thetransactions of each Merchant closely. This enables us to watch for any irregular patterns which may bepointing towards fraudulent behaviour very quickly and to shut the account down to prevent losses forus, the Merchant and the customer. We also have a 24/7 support phone line for Customers to call if theyare concerned with a transaction appearing on their credit card statement. We offer an immediate refundpolicy for the customer.Why – are we taking on businesses in the High Risk area?There are good, clean Merchants processing in this space who need an outlet to conduct their business.The margins on processing high risk merchants are far higher than for low risk.
  9. 9. Core Intellectual PropertyThe Gateway 99.999% Reliability - Reliability is assured with extensive multiple redundant topology and disaster recovery hosting solutions. PCI DSS Level One - Certified as PCI DSS Level One Compliant• Founded by American Express, Discover Financial Services, JCB International, MasterCard Worldwide, and Visa Inc.• Strict change control with emphasis on accountability and chain of command.• Independent 3rd Party performs annual reviews:  Onsite Audit: processes, security awareness  Ethical Hacking / Internal and External Penetration TestsThe proprietary PayConnector processing gateway and ourspecialised service is responsible for: • Multiple bank connectivity • Front end authorisations • Back end settlement • Customer payment support systems • Risk management & fraud control • Real time customizable reporting
  10. 10. How it WorksTransaction Flow
  11. 11. How it WorksTraditional Model
  12. 12. How it WorksWhite Label Model
  13. 13. Gateway White Labels
  14. 14. Advanced Fraud Prevention SystemRisk exposure and costly fraud is greatly reduced with aleading suite of detection and prevention tools which include: • Support for address verification (AVS) and card security codes (CVV) • Blacklisting and white-listing of cards and IP addresses • Blocked countries by location of payment request or origin of card • Blocked transactions using credit card negative databases • Checks against comprehensive known fraudsters database • Limits on the maximum number of transaction attempts • Reverse telephone number look-up matched to cardholder address • Geo-locating of transaction IP address matched to cardholder address • PC finger printing
  15. 15. Fraud Screening• Multi stage screening process  Stages and checks run in parallel for speed and load balancing• Identify key fraud indicators  Customer/Computer/IP Address/Country History  Known fraud patterns• Score based system  Transactions blocked or sent to manual review Global Configuration or per AccountStage 1: ValidationMerchant/Customer History
  16. 16. Fraud ScreeningStage 2: BlacklistComprehensive database built on our history of processing
  17. 17. Fraud ScreeningStage 3: Pre-Authorisation Transaction Scoring
  18. 18. Fraud ScreeningPost-Authorisation Stages: Refund Queue
  19. 19. Australian Financial Services Licence (AFSL)• ASIC has granted PNI Financial Services Pty Ltd an Australian Financial Services Licence as of Tuesday the 8th November• PNI Financial Services (and its authorized representatives) can now provide general advice and deal in non-cash payment products including gateway processing services, e-wallet and payment cards to Australian merchants and Australian cardholders• PNI’s business underwent rigorous assessment with ASIC and granting of the AFSL is recognition that people and processes in place are of a high calibre
  20. 20. PNI’s Focus on ChinaIn 2010 PNI started researching opportunities for providing payment solutions for China. The scale ofpayment processing related to China are enormous, especially given the rapid increase in eCommercebusiness within China. For this reason PNI is prioritising the development of payment products for China.Sample statistics and facts showing the scale and potential include:• China is already the 2nd biggest consumer of luxury goods in the world• China has over 500 million internet users (more internet users than the USA and Europe combined)• China’s eCommerce volume in 2010 was 703 billion USD, by 2015 it is expected to reach 2.8 trillion USD• The Chinese government is actively working to promote ecommerce growth and development
  21. 21. CPS Partnered With ChinaPayChina UnionPay (CUP) is the central interbank debit card and credit card platform inChina. All cards issued in China bear the UnionPay logo and China UnionPay is thelargest globally recognised payment brand based in China. ChinaPay is the third partypayments arm of CUP and hold a non-financial third party payments licence by ThePeople’s Bank of China (PBOC). They are a profitable entity, which is unique in themarketplace. • UnionPay Trust – Especially within the luxury brands market, shoppers prefer to purchase with a trusted brand. Being government owned and on all Chinese cards helps build consumer trust. • Global Experience – UnionPay has a rapidly spreading global presence and systems development, which places ChinaPay in a leading position to support global companies. CPS is helping to fill the gaps and provide a true global support system. • B2C Market Share - In terms of market share in the B2C market, ChinaPay is on an equal footing with Alipay, the largest direct competitor in the market. • Superior Support – Our experience shows that companies making a healthy profit in China provide better support. ChinaPay has made healthy profits for the last three years. • Foreign Currency Settlement – Due to the unique ownership structure of ChinaPay and the relationship with The People’s Bank of China, it is easier to facilitate cross border settlement.
  22. 22. eCommercePayment Flow
  23. 23. CPS Agreement SummariesChinaPay Agreement 1 - Aggregate Solution• Aggregate solution ideal for small-to-medium sized merchants located overseas• Merchants connect to aggregate ChinaPay MID via CPS gateway• ChinaPay settles all funds to CPS & CPS settles to merchants, less its feesChinaPay Agreement 2 – Sales Partner• Dedicated solution ideal for larger merchants located in China or looking to move into China• CPS acts as ChinaPay’s official sales partner• Merchants connects to its own dedicated ChinaPay MID• ChinaPay settles funds directly to Merchants and CPS receives percentage of Merchant transaction volumeChinaPay Agreement 3 – E-wallet• Cooperation to develop global e-wallet system targeted on Chinese cross-border business• E-wallet will allow ease of Chinese cross-border ecommerce transactions• Significant development, infrastructure and investment• Timeline and agreements to be negotiated
  24. 24. English Checkout PageCustomer selectspayment methodIf they choose UnionPaythey are redirected toa hosted currencyconversion page or bankselection page dependingon your chosen currencysetup
  25. 25. Hosted Redirect Currency Confirmation PageUSD to RMBCurrency ExampleThis page is only presentedfirst when the salecurrency is not RMB.The customer confirmsthe amount they will be deducted in RMB.
  26. 26. ChinaPay Bank Selection PageThe customer thenchooses which bankthey wish to pay via.They authorise thePayment with theirown bank and willget a paymentsuccess pagebefore beingredirected back toyour website.This is the standardonline paymentprocess in China.
  27. 27. Bank Selection PageExample from JapanAirlines (JAL)
  28. 28. CPS Secure AdministrationThe DashboardContains SampleData Only
  29. 29. CPS Secure AdministrationTransactionDetailsContains SampleData Only
  30. 30. CPS Secure AdministrationTransactionCustomerDetailsContains SampleData Only
  31. 31. Revenue ModelsGateway Only Service (e.g. Payconnector)• Basic transaction processing fee 10 – 20 cents per transaction• Fraud check fee 5 – 10 cents per transactionLow Risk Merchant Processing (e.g. Velotran)• Basic transaction processing fee 10 – 20 cents per transaction• Fraud check fee 5 – 10 cents per transaction• Merchant facility fee 0.10% - 0.60% of volumeHigh Risk Merchant Processing• Basic transaction processing fee 10 – 20 cents per transaction• Fraud check fee 5 – 10 cents per transaction• Merchant facility fee 0.60% - 5.0% of volume• Chargeback fee $20 - $30 per per chargeback• Refund fee $1.00 - $2.00 per refundThird Party Aggregate Service (e.g. CPS)• Basic transaction processing rate 0.50% - 1.8% of volume
  32. 32. Group Sales & Revenue Forecast
  33. 33. Thank you for your time

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