About usSimple, Secure, Low Cost Payment Solu6ons… PayEasy is a global provider of electronic payments solu6ons for ﬁnancial ins6tu6ons, retailers and payment processors. Customers rely on PayEasy solu6ons to deliver reliable, scalable and secure payment services and to have money on the move. PayEasy’s objec6ve is to become the leading electronic payment services company in the Middle East and North Africa, Europe, Central and South East Asia and North America. We work with web developers, shopping cart providers and all the major banks to oﬀer the best in internet payment processing services -‐ PayEasy means industry leading reliability, security and value
About us‣ Global Opera6ons Centre Headquartered in Metro Manila, Philippines, ‣ Branches : Asia Paciﬁc, North America, Europe, United Kingdom ‣ Partner Oﬃces: Middle East , Australia, Mexico, Canada and An6gua ‣ Founded in 2009 ‣ Privately held and funded by regional investors and an interna6onal investment group ‣ Opera6ons in the Philippines, US, UK, Monaco, France, Hong Kong, Pakistan, Bahrain, Lebanon, Israel, Cyprus, Malta and Germany
What we do cardholder merchant payment service provider -‐ card processing -‐ risk management + fraud protec6on -‐ acquiring referral -‐ IPSP / MSP for selected acquiring banks acquiring acquiring acquiring acquiring acquiring bank bank bank bank bank
What makes a payment solution successful Easy to use, Convenient & Portable Robust & Electronic Low Cost to Dynamic Transac3on Deploy Security Solu3ons & Maintain Leverages Exis6ng Systems & Behaviors
Our SolutionsCredit Card Acquiring We provide mul3currency credit card acquiring services in collabora6on with regional and interna6onal banks. Direct Acquiring Rela6onships ‣ Merchant enters into direct contractual rela6onship with acquiring bank ‣ Mul6ple referral partnerships in the region and interna6onally Merchant Service Provider (IPSP/MSP) ‣ Merchant enters into contractual rela6onship with PayEasy but gets dedicated merchant account from sponsoring bank
Link-‐up various payment methods through a Payment Service Provider (only one Interface) E-Shop Payment Service Provider Debit Card Additional Payment methods
Our SolutionsPayment Processing ‣ Easy integration for merchants using secure web-services ‣ Payment page enables merchants to avoid PCI /DSS certiﬁcation ‣ Extensive risk management and fraud protection functionality ‣ Full support for veriﬁed by VISA and MasterCard secure code ‣ Dynamic routing of transactions to local acquiring bank to optimize acceptance ratios ‣ Online refund and credit functionality
Our SolutionsRisk management and Fraud Preven6on Less Fraud. Decreased Costs. Op6mized Revenue
Fraud PreventionPayEasy Risk Management and Fraud Preven6onFraudster techniques becoming more advanced Techniques used in online card-‐not-‐present fraud are becoming more and more sophis6cated. Tradi6onal fraud screening tools can only determine if a credit card is legi6mate or if the user-‐entered account informa6on matches those on record. Today, fraudsters can obtain personal credit card informa6on, pose as the legi6mate card holder, and bypass standard fraud checks.Looking at fraud from a diﬀerent angle We approach fraud screening in a diﬀerent way. We examine an online transac6on from various angles. Our tools are not geared towards verifying the authen6city of the credit card details used for the purchase, but rather, iden6fying if the purchaser is the legi6mate card holder. Through our analysis, we have been able to iden6fy traits and paberns that are associated with fraudulent orders. By asking the right ques6ons, we can provide e-‐commerce businesses with the necessary informa6on to detect fraudulent orders before the payment is processed.
Fraud PreventionPayEasy Risk Management and Fraud Preven6onWe provide mul3currency credit card acquiring services in collabora6on with regional and interna6onal banks. Key features include: ‣ Geographical IP address loca6on checking ‣ High risk IP address and e-‐mail checking ‣ Issuing bank BIN Number country matching* ‣ minFraud Network ‣ Proxy server detec6on (both open and closed) ‣ Post query analysis
Fraud PreventionPayEasy Payment Gateway FeaturesWithin our own Gateway we have established several basic parameters that help both the Gateway Operator and the merchant reduce the risk of fraud before the transac6on is passed to our Fraud Preven6on Service Provider and then the acquirer. These features include : ‣ Specifying the maximum number of 6mes a credit card can be used within a speciﬁed period. If this is exceeded the Payment Gateway automa6cally locks that credit card number out for the speciﬁed period. If the customer abempts to use the card number with that merchant during this lock out period the lock out period is then extended from the 6me that the last abempt was made using that card number. ‣ Specifying the maximum number of 6mes transac6ons can be sent from an IP Address within a speciﬁed period of 6me. If this is exceeded the Payment Gateway automa6cally locks all transac6ons out coming from that IP Address for the speciﬁed period. If transac6ons are abempted from that IP Address within the lock out period the lock out period is automa6cally extended from the 6me of the last abempt. ‣ Specifying the maximum number of diﬀerent credit card transac6ons (numbers) that can be sent from the same email address within a speciﬁed period of 6me. ‣ Specifying the maximum number of email addresses that can be associated with a speciﬁc credit card number within a speciﬁed period of 6me.
Fraud PreventionPayEasy Payment Gateway FeaturesThese features include : ‣ Specifying the maximum number of valid transac6ons that can be processed for a day and/or month. The merchant is automa6cally no6ﬁed when the limit is about to be exceeded. ‣ Specifying the maximum value of valid transac6ons that can be processed for a day and/or month. The merchant is automa6cally advised when the limit is about to be exceeded. ‣ Repor6ng all transac6ons over a speciﬁed amount. ‣ Repor6ng all transac6ons under a speciﬁed amount. ‣ Merchant has the op6on of using the Email No6ﬁca6on Service. Here the PayEasy Payment Gateway sends an email conﬁrma6on that a credit card transac6on has been processed for the cardholder by the merchant. If the email bounces the Email Veriﬁca6on Service automa6cally reverses out the transac6on and the merchant is automa6cally advised. ‣ Seeng the minimum and maximum fraud score returned from our compliance plaform. With this all scores over the maximum are automa6cally rejected. All scores under the minimum are automa6cally sent to the acquirer for valida6on. Scores between the minimum and maximum are ﬂagged and returned to the merchant for further evalua6on before being sent to the acquirer for valida6on.
Products OverviewRisk management and Fraud Preven6on
BenefitsRisk management and Fraud Preven6on Reduce your Fraud by...o Detec6ng fraudulent behavior (paberns) automa6cally,o Incorpora6ng market speciﬁc data into the fraud decision process, including i6nerary informa6on such as departures, stopovers, arrivals and airport informa6on. Decrease your Costs by....o Reducing chargebacks, safeguarding against surcharges and ﬁneso Reducing the number of transac6ons being queued for manual review,o Decreasing 6me spent on processing excep6ons (chargeback no6ﬁca6ons, etc.). Op3mize your Revenue by...o Accep6ng more genuine business,o Iden6fying and protec6ng your good customers.Thus op6mizing sales conversion, while minimizing fraud risk and manual review and associated costs.
Security and Infrastructure ‣ Compliant with payment card industry data security standard (PCI/DSS) ‣ Support for veriﬁed by Visa and MasterCard secure code ‣ Secure data center facili6es
Repor6ng and Management ‣ Web-‐based administra6ve interface ‣ Extensive transac6on search and management func6onality ‣ Business intelligence and repor6ng dashboard ‣ Personalized user accounts ‣ Online refund and credit capability
Merchant SupportKeeping you connected online….We oﬀer a range of support facili6es to online merchants – via email and/ or telephone. Technical exper6se is also available ‘in the ﬂesh’ where required. The level of support does, of course, depend on which PayEasy Online payment solu6on you have chosen. Support facili6es available: • Online Support • Merchant support (via phone and email) • Technical support (via phone and email)
ContactChristopher R. BauerGlobal CEO / Chief Executive Officer http://www.payeasy-solutions.com/ PayEasy Solutions Inc. InternationalDDI: +63 (0) 2 577 4680Cell: +63 (0) 917 892 0016E-mail: firstname.lastname@example.orgJames E BergmanGlobal COO / Chief Operational OfficerPayEasy Solutions Inc. InternationalTel UK (M): +44(0)7791171680Tel UK (W): +44(0)2078732022Email: James.Bergman@me.com General Inquiry compliance@payeasy-‐solu6ons.com IT / Technology technology@payeasy-‐solu6ons.com Card Services cardmanagement@payeasy-‐solu6ons.com Merchant Services merchant@payeasy-‐solu6ons.com
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