How to secure online payments 6th of October 2009 Pierre Willaert – Country Manager Ogone Belgium
Online payments – more than an online payment method <ul><li>What is online payments?  It’s multidisciplinary! </li></ul><...
Ogone – What? Who? Figures? <ul><li>A seamless technical gateway between shoppers, merchants and providers of payment meth...
What is online payments?  It’s multidisciplinary! Finance ICT eCommerce Entities Shops Labels Internet Telephone e-Mail Pa...
Why different payment methods? In Belgium? In Europe?
Importance of correct and effective payment flow integration Importance of online payments:  - enables you to  start  your...
Consumer confidence and online payments <ul><li>Payment security is considered as a key factor in sales conversion </li></...
Payment pages in look & feel of the order process
<ul><li>Online fraud </li></ul><ul><li>outsource the risk ! </li></ul><ul><li>SECURITY </li></ul><ul><li>Identity theft </...
Financial reconciliation and transaction management Transaction management <ul><li>Query tool </li></ul><ul><li>Various se...
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Ogone presentation @ Feweb seminar

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  • All transactions can be viewed or been handled for settlement, refunds or cancellation For administration purpossed financial reports can be built. This can be done manual or via autmatically
  • Ogone presentation @ Feweb seminar

    1. 1. How to secure online payments 6th of October 2009 Pierre Willaert – Country Manager Ogone Belgium
    2. 2. Online payments – more than an online payment method <ul><li>What is online payments? It’s multidisciplinary! </li></ul><ul><li>Why different payment methods? In Belgium? In Europe? </li></ul><ul><li>Importance of correct and effective payment flow integration </li></ul><ul><li>What, who, why Ogone? </li></ul><ul><li>Consumer confidence and online payments </li></ul><ul><li>Risk evaluation and Fraud Management </li></ul><ul><li>Financial reconciliation and transaction management </li></ul>
    3. 3. Ogone – What? Who? Figures? <ul><li>A seamless technical gateway between shoppers, merchants and providers of payment methods in the card-not-present environment </li></ul><ul><li>Based on a SaaS or ASP architecture. Merchants have no hard- or software to install </li></ul><ul><li>Created in 1996 by financial specialists – private owned, fully independent </li></ul><ul><li>Easy to integrate SaaS solutions: create a free test account in 5’ </li></ul><ul><li>Offices in BE (HQ), The Netherlands, France, Germany, Austria and Switzerland </li></ul><ul><li>20.000+ merchants use the Ogone payment platform in more than 30 countries </li></ul><ul><li>Technical party, not collecting your money on Ogone’s bank account </li></ul><ul><li>150+ technical connections to banks and acquirers: gives you ‘freedom of choice’ </li></ul><ul><li>45+ active payment methods: think global, act local </li></ul><ul><li>Fully PCI/DSS Compliant payment platform: Payment Card Industry Data Security Standard (Visa, MasterCard, American Express, JCB, Diners) </li></ul><ul><li>+ 20 Cobranding / white labelling partners like Rabobank, BCC, PostFinance, … </li></ul><ul><li>Fraud Prevention: and fraud scoring tools </li></ul>
    4. 4. What is online payments? It’s multidisciplinary! Finance ICT eCommerce Entities Shops Labels Internet Telephone e-Mail Payment Methods Business Rules Security Implementation Online Payments Black Box Being able to, accept your customers’ payments in realtime , 24 hours a day, 7 days a week, in distance and in a secure and safe way.
    5. 5. Why different payment methods? In Belgium? In Europe?
    6. 6. Importance of correct and effective payment flow integration Importance of online payments: - enables you to start your logistic process to inform your customer and deliver the goods - enables you to anticipate to potential order refusals and to clarify the order and payment process to your customer <ul><li>Use payment method information and conclude the sale by email </li></ul><ul><li>(include a pay button in your order confirmation email) </li></ul>Freedom of time of order Make a new choice <ul><li>Show an order confirmation to your customer </li></ul>No payment confirmation!! <ul><li>Pick up your customer when he clicked on ‘cancel my payment’ </li></ul><ul><li>Display a page with e.g. a 0800 number to finalize the payment </li></ul><ul><li>Show a webpage with alternative payment methods </li></ul>Keep the session alive Telephone order and payment In some situations the payment confirmation cannot – immediately – be displayed After a succesful payment – show a payment confirmation and deliver goods Increase conversion! Implement correct processes in your online payments
    7. 7. Consumer confidence and online payments <ul><li>Payment security is considered as a key factor in sales conversion </li></ul><ul><li>Build trust and lift conversion by merchandising payment security, and this not only at the checkout (see www.newpharma.be for example) </li></ul><ul><li>Use your Payment Service Provider, like Ogone, as a trustmark, recognized by your customers on every e-commerce website </li></ul><ul><li>Payment pages in look & feel of the order process </li></ul>Information and recognition is crucial for consumer confidence!!! <ul><li>Calculate and display the final price (with taxes, delivery costs, reductions, …) early in the checkout </li></ul>
    8. 8. Payment pages in look & feel of the order process
    9. 9. <ul><li>Online fraud </li></ul><ul><li>outsource the risk ! </li></ul><ul><li>SECURITY </li></ul><ul><li>Identity theft </li></ul><ul><li>avoid the risk ! </li></ul><ul><li>reduce the negative effect of the risk ! </li></ul><ul><li>FRAUD PROTECTION </li></ul>Risk evaluation and Fraud Management Safe and secure online payments are important for everyone (including yourself and your customer)
    10. 10. Financial reconciliation and transaction management Transaction management <ul><li>Query tool </li></ul><ul><li>Various selection filters </li></ul><ul><li>Push or Pull mechanism </li></ul><ul><li>Various output data </li></ul><ul><li>Various formats </li></ul><ul><li>Free access </li></ul>Financial Reports
    11. 11. Questions?

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