INSTANT ONLINE BANK PAYMENTS
Store Kongensgade 40 - 1264 Copenhagen - Denmark
Phone: +45 88 610 600 - Fax: +45 88 610 601
www.inpay.com - Email: sales@inpay.com
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“inpay is an extra payment option for webshops that
allows customers to pay using their online bank
– instantly and worldwide”
Jacob Tackmann Thomsen, Founder of inpay
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The e-commerce marketplace
With the global financial crisis it is more important than ever - More than 75% of online shoppers have access to an on-
to focus on optimising your business without increasing line bank account
cost. [Forrester Consulting]
- When an Internet retailer begins to offer multiple payment
Fortunately the explosive growth of the e-commerce indus- options, the conversion rate increases 20% [Quality Re-
try has created a number of opportunities for improvement. search Associates]
Even minor changes have an immediate effect on the bot-
- 4% of international orders turn out to be fraudulent – that is
tom line.
3.6 times the domestic rate of 1.1% [Cybersource 2009]
- Alternative payments are expected to hold a 30% market
One of the potentially most profitable areas for improvement
share of all e-commerce transactions by 2012 [Javelin
is the payment process. Orders can easily be lost if your
Strategy & Research]
customers encounter even the smallest of stumbling blocks.
- Any online credit card transaction can result in a charge-
back [VISA/MasterCard]
To the right we have listed a number of important facts
- 75% of all internet users do not like to give out their credit
relating to e-commerce payments that we believe will be of
card information online
interest to you.
[Pew Internet]
Consumers: Why Do You Choose to Shop Online?
Offer immediate access to a wide range of
84
products and services
81
Saves time and hassle
67
Offers greater savings than the high street
4
Some other reason
% of Consumers 0 10 20 30 40 50 60 70 80 90
According to a Cybersource survey from 2008 the primary reason for consumers to shop online is “immediate access”. This is why inpay is
so powerful compared to other online bank payment options - the payment is registered instantly and the goods can be shipped immediately.
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About inpay
inpay is an extra payment option for webshops that allows inpay is very easy to use for your customers:
customers to pay using their online bank.
1. At checkout the customers select inpay as the payment
inpay is different from other online bank payment options option
because it is instant like credit cards and because it has
2. The customers are redirected to inpay and asked to
global coverage.
select their online bank from a list of banks
3. The customers are presented with simple instructions
With inpay, as of now, a webshop can receive instant
on how to make the payment in their local currency to
payments from more than 75 million online bank users
an account owned by inpay in their own bank
worldwide, with support for local currencies in over 25
4. The customers then log in directly to their online bank
countries.
and make the transfer as instructed
5. The transfer is registered immediately by inpay, the
inpay will double this coverage to 150 million online bank
merchant is informed, and the customer is returned
users in 40 countries by the end of 2009.
automatically to the webshop.
Online shoppers whose bank is not yet part of the inpay
network can still use inpay, but will have to wait up to 24
hours for their payments to clear.
In countries where inpay is currently not represented the
shopper will instead be assisted in making an international
wire transfer.
Integrating inpay is straightforward and because the
transactions are bank transfers there is no risk of
chargebacks or fraud. With inpay when you get paid you
stay paid.
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Benefits
inpay is an extra payment option for webshops and is - With inpay the transaction fee is typically 30% lower
typically used in addition to credit cards. than for credit cards
- Implementation is very easy. With our fast track option
This means that adding inpay simply adds business – there we can have you up and running in less than 10 min-
is no change to your current processing – only more sales utes!
from customers unable or unwilling to pay with credit card.
- Sell high ticket price items without risking chargebacks
- Increase sales by selling worldwide and by making it
And for the orders that are rejected due to credit card fraud
easier for international customers to pay
concerns inpay is the perfect tool for saving the sale instead
- Get the order even when the credit card is rejected
of rejecting the customer.
- Reach customers who do not have a credit card
With inpay you can safely sell electronics, jewellery, tickets
and other expensive items to regions that were formerly
considered high risk such as parts of Asia and Eastern
Europe.
Credit Cards
Fraud
With inpay you stay paid when you get paid!
High risk countries
Lost sales
Rejected transactions
New sales with inpay
Grow your business with inpay
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Customer cases
About SteelSeries
SteelSeries is a leading supplier of high end computer
gaming gear with offices in Europe, United States and
Asia. SteelSeries sells to distributors as well as directly to
consumers on its website.
SteelSeries CEO and owner Jacob Wolff-Petersen:
“Being a provider of high end computer gaming equipment
makes us a target for credit card fraud as our products are
valuable and easily resold. inpay has increased our sales by
allowing us to sell to any countries in the world and has even
reduced our credit card fraud because suspicious orders
can now be paid with inpay instead.”
About EasySpeedy
EasySpeedy is one of the largest providers of unmanaged
hosting within the Linux segment, with customers from 50+
countries
Peter Lerche, COO and one of the main shareholders in
EasySpeedy:
“EasySpeedy is known as a provider of high quality
unmanaged Linux servers with a high capacity network. By
adding inpay as an extra payment option we immediately
increased our revenue. I am very impressed with the
performance of inpay’s payment solution and the very
helpful and professional attitude of the inpay staff.
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Technical details
We know that your technical team is busy. This is why ease Private brand solutions for PSPs
of integration is a top priority for us at inpay. inpay is also offered as a private brand solution for Internet
Payment Service Providers. When using inpay in this
configuration, it will be an integrated part of your payment
We offer several types of integration ranging from our fast
pages and it is not possible for the customer to see that
track integration that will have you up and running in 10
inpay is the system providing the processing.
minutes to our very powerful private brand solution.
Merchant support, scheduled payouts and customer
Fast track integration
support can either be handled by you or by inpay.
With our fast track integration you simply add your products
and price points in our integration wizard and it will
automatically generate html code that you can paste into Call centre solutions
your website and that is all you need. When customers call to place orders, a service representative
will offer inpay as a payment alternative. When a customer
selects inpay, we will send an email invoice to the customer’s
Standard shopping carts
email address. The customer can now log in to his/her online
inpay is integrated with a number of online shopping carts
bank and pay instantly for the order.
including Zen Cart, Magento, x-cart, osCommerce and
CRELoaded and more are constantly added to the list.
Multi-currency capabilities
inpay transparently handles multiple currencies. For
Custom shopping carts
instance you can charge in USD, your customer can pay in
To integrate a custom shopping cart solution you can use
Yen, and you can receive the money in Euros.
the inpay API to submit orders and to receive and reconcile
payments. We support HTTPS, name-value pairs, XML,
SOAP, WSDL as well as other common formats and provide Behind the scenes
an isolated test system for all your integration needs. inpay is powered by a scalable, geographically redundant,
UNIX enterprise architecture. Our software is based on
more than 10 years of payment processing experience in
White label solutions for large merchants
our group of companies.
If you are a large merchant you can use inpay in a white
label version where the customer will see your graphics and
layout instead of the default inpay graphics. We recommend
this for large merchants.
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Corporate information BankGroup.com BG SOLU T I O NS
Established in 2008
BankGroup provides effective electronic
payment solutions to both Internet Merchants
and traditional brick and mortar merchants
worldwide.
www.BankGroup.com
In our group of companies we currently have four
e-commerce patents pending including one patent to
protect inpay’s instant payment technology. We are PCI
certified, RS3411B audited and DS-484 compliant. We Established in 2001
NetGroup is leading Danish provider of
were awarded the EPCA (European Payments Consulting cloud-computing, managed hosting and IP-
Association) award for the “Most Innovative Payment services to public and private companies.
Processing Solution” in 2008. www.netgroup.dk
INDBLIK OG OVERBLIK
Established in 2000
BiQ delivers business-critical online
information about corporate Denmark
to banks, media, law firms and similar
institutions
NetGroup Holding www.biq.dk
Established in 1997
NetGroup Holding provides strategic, financial and back-
office management and support to all the companies in
the group.
Established in 2005
inpay provides an alternative payment
option for webshops that allows customers
Legal information to pay with their online bank – instantly and
worldwide. inpay is registered as a financial
company under the laws of Denmark and is
also registered in the United Kingdom and
USA.
www.inpay.com
inpay is registered as a financial company under the laws of
Denmark. We have developed and implemented effective
zecure
AML and CFT controls, regulations and procedures in
Established in 1997
compliance with applicable laws. Zecure is an international provider of
e-commerce fraud detection solutions and
specialised billing platforms.
We pay special attention to understanding the ownership www.zecure.com
and control structure of our customers, to obtaining
information on the purpose and intended nature of the
business relationship, and to monitoring the business of Established in 2005
MediaKey provides fully managed windows
our clients, including scrutiny of transactions to ensure DRM solutions and services to clients
consistency with the obtained information about purpose worldwide.
and intended nature of the business relationship. www.mediakey.com

www.inpay.com - Store Kongensgade 40 - 1264 Copenhagen - Denmark
Phone: +45 88 610 600 - Fax: +45 88 610 601 - Email: sales@inpay.com
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