Bill Me Later


Published on

Bill Me Later is a real-time credit engine offered at thousands of merchants and is now a part of the PayPal family. This session covers how the Adaptive Payments API is being used to extend the Bill Me Later offering to support PayPal—enabling broader acceptance of both.

  • Be the first to comment

No Downloads
Total views
On SlideShare
From Embeds
Number of Embeds
Embeds 0
No embeds

No notes for slide

Bill Me Later

  1. 1. BILL ME LATER Troy Saxton-Getty, Gill Haus, Pamela Rice, Brent Ryan
  2. 2. AGENDA <ul><li>Team Introductions </li></ul><ul><li>What is Bill Me Later/How Does it Work? </li></ul><ul><li>Payment Challenge and Solution: Single Payment Interface </li></ul>
  3. 3. TEAM INTRODUCTIONS <ul><li>Troy Saxton-Getty </li></ul><ul><ul><li>Troy Saxton-Getty brings over 25 years of engineering, management, execution and leadership experience to Bill Me Later as the head of Engineering. </li></ul></ul><ul><ul><li>Troy has served in various business and technology roles from CEO, GM, COO, CTO and CIO in both public and private companies, has an extensive background in raising early and mid stage capital, public, and private mergers and acquisitions, currently serves on several boards, founded five successful startups, including implementation of the first online system inside the US Postal Service. </li></ul></ul><ul><ul><li>Troy currently serves as a top ranked speaker to YPO and Vistage International on technology and information security and soon to release a new book titled “What your IT people don’t want you to know as CEO.” </li></ul></ul><ul><li>Gill Haus </li></ul><ul><ul><li>Gill Haus is the Director of Systems Engineering at Bill Me Later managing the development and support of the real-time credit authorization engine and the service platform. </li></ul></ul><ul><ul><li>Gill has been with Bill Me Later for nearly 6 years and has a background architecting and managing high transaction environments. </li></ul></ul>
  4. 4. TEAM INTRODUCTIONS (cont.) <ul><li>Pamela Rice </li></ul><ul><ul><li>Pamela Rice is the Manager of Bill Me Later Authorization Engineering managing the development of the real-time credit authorization engine. </li></ul></ul><ul><ul><li>Pamela has been with Bill Me Later for 5 years and has a background developing complex decision systems. </li></ul></ul><ul><li>Brent Ryan </li></ul><ul><ul><li>Brent Ryan is the Pay Capture development lead at Bill Me Later and is responsible for the support of real-time credit authorizations and services. </li></ul></ul><ul><ul><li>Brent has been with Bill Me Later for nearly 2 years and has extensive background in integrating enterprise systems. </li></ul></ul>
  5. 5. WHAT IS BILL ME LATER? <ul><li>A convenient and secure way to pay on the web or over the phone </li></ul><ul><li>Lets users pay without using a credit card </li></ul><ul><li>At checkout, buyers enter their birthday and the last four digits of their social security number, accept the terms and the purchase is complete. It’s that easy! </li></ul><ul><li>No codes to find or account numbers to remember </li></ul>
  6. 6. HOW IS BILL ME LATER USED? Step 1 : Select Bill Me Later Step 2 : Customers only enter DOB and last four of SSN <ul><li>A simple process using only top of mind customer information </li></ul><ul><li>Response in 3 seconds </li></ul>
  7. 7. HOW DOES BILL ME LATER WORK? <ul><li>Bill Me Later offers multiple payment paths </li></ul><ul><ul><li>Direct authorizations </li></ul></ul><ul><ul><li>Pay Capture web services </li></ul></ul><ul><li>Payments aren’t the only services supported </li></ul><ul><ul><li>Settlement </li></ul></ul><ul><ul><li>Pre-approval </li></ul></ul><ul><ul><li>Heartbeats </li></ul></ul><ul><ul><li>Applications </li></ul></ul>
  8. 8. HOW DOES BILL ME LATER WORK? <ul><li>Direct authorizations </li></ul><ul><ul><li>Merchants connect to Bill Me Later via a processor (in rare occasions bypassing the processor) that connects directly to the Bill Me Later back end systems </li></ul></ul><ul><li>Pay Capture web services </li></ul><ul><ul><li>Merchants code to the Bill Me Later Pay Capture web services in a multi-part transaction </li></ul></ul><ul><ul><li>Merchants can leverage our hosted pages, minimizing the integration effort </li></ul></ul>
  9. 9. PAYMENTS AND OUR CHALLENGE <ul><li>What is our challenge? </li></ul><ul><li>Pay Capture Merchants Want PayPal, Too!! </li></ul>
  10. 10. MERCHANTS WANT PayPal, TOO <ul><li>Support one code base </li></ul><ul><ul><li>Instead of having merchants support two code bases (PayPal and Bill Me Later), they can support one </li></ul></ul><ul><li>Legacy support </li></ul><ul><ul><li>Existing Bill Me Later merchants can convert to the new API on their own timeline with our Enterprise Service Bus </li></ul></ul>
  11. 11. UNDERSTANDING PAY CAPTURE <ul><li>Leverages Akamai cloud technology </li></ul><ul><li>Supports hosted’payment pages for minimized integration effort </li></ul><ul><li>Supports real-time and batch settlement </li></ul><ul><li>Provides web services payment interface to Bill Me Later authorizations </li></ul>Merchant Pay Capture Bill Me Later
  12. 12. THE CHALLENGE <ul><li>Support multiple payment options via one API </li></ul><ul><li>Minimize integration and upgrade requirements </li></ul><ul><li>Zero impact to existing merchants </li></ul>Merchant Pay Capture Bill Me Later PayPal Single Payment Interface
  13. 13. WHAT’S THE SOLUTION? <ul><li>Single Payment Interface (SPI) Leveraging Developer APIs </li></ul>
  14. 14. SINGLE PAYMENT INTERFACE <ul><li>One API </li></ul><ul><ul><li>Easier for merchants, reducing time to market </li></ul></ul><ul><ul><li>Leverages existing APIs within Bill Me Later to authorize real-time credit </li></ul></ul><ul><ul><li>Leverages the adaptive payments APIs to make payments using PayPal </li></ul></ul><ul><li>Similarity </li></ul><ul><ul><li>Single payment interface mimics the Adaptive Payments API </li></ul></ul><ul><li>How will we do this? </li></ul><ul><ul><li>Build a wrapper around Adaptive Payments API </li></ul></ul><ul><ul><li>Use the Enterprise Service Bus </li></ul></ul><ul><ul><ul><li>XSL transforms </li></ul></ul></ul><ul><ul><ul><li>Routing </li></ul></ul></ul><ul><ul><ul><li>Authentication </li></ul></ul></ul>
  15. 15. SINGLE PAYMENT INTERFACE FACADE <ul><li>Merchant makes service call to SPI </li></ul><ul><li>Single payment interface determines where to route service call </li></ul>Merchant SPI PayPal Bill Me Later
  16. 16. EXAMPLE PAY REQUEST TO SPI FROM MERCHANT <ul><ul><li><soapenv:Envelope xmlns:soapenv=&quot;; xmlns:spi=&quot;;> </li></ul></ul><ul><ul><li><soapenv:Header/> </li></ul></ul><ul><ul><li><soapenv:Body> </li></ul></ul><ul><ul><li><spi:PayRequest> </li></ul></ul><ul><ul><li><paymentService>PayPal</paymentService> </li></ul></ul><ul><ul><li>… more fields here … </li></ul></ul><ul><ul><li></soapenv:Body> </li></ul></ul><ul><ul><li></soapenv:Envelope> </li></ul></ul>Merchant SPI SOAP
  17. 17. EXAMPLE PAY REQUEST TO PayPal FROM SPI <ul><ul><li><soapenv:Envelope xmlns:soapenv=&quot;; xmlns:ap=&quot;;> </li></ul></ul><ul><ul><li><soapenv:Header/> </li></ul></ul><ul><ul><li><soapenv:Body> </li></ul></ul><ul><ul><li><ap:PayRequest> </li></ul></ul><ul><ul><li>… more fields here … </li></ul></ul><ul><ul><li></soapenv:Body> </li></ul></ul><ul><ul><li></soapenv:Envelope> </li></ul></ul>SPI PayPal SOAP The <paymentService> was removed by an SPI transform
  20. 20. SIMPLE PAYMENT INTERFACE <ul><li>Demo </li></ul><ul><li>… early stages </li></ul>
  21. 21. CONCLUDING THOUGHTS <ul><li>Bill Me Later is a convenient and secure way to pay on the web or over the phone. </li></ul><ul><li>Becoming part of the PayPal family has created new opportunities for both parties. </li></ul><ul><li>The developer APIs enable the quick development of a Single Payment Interface for existing and new Bill Me Later merchants. </li></ul>
  22. 22. MORE INFORMATION <ul><li>Find out more about Bill Me Later </li></ul><ul><ul><li>Visit or </li></ul></ul>
  23. 23. LEARN AND SHARE <ul><li> </li></ul><ul><li>Twitter: @paypalx </li></ul><ul><li> </li></ul><ul><li>Innovate 09 hashtag: #ppxi09 </li></ul>LEARN AND SHARE Twitter: @paypalx Innovate 09 hashtag: #ppxi09 Proprietary