3. 1. Sell a lot with good margin
2. Provide comfort for the buyer
3. Quickly get the money
4. Automate internal processes related
to the settlement of payments
What does the seller want
from payment methods?
Wrocław 2013
Confidential, property of PSP Polska.
4. Each country is different
Wrocław 2013
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Poland
Great Britain4
Germany
Study on the payment preferences in the world published by theWorldPay http://www.worldpay.com/corporate/index.php?page=campaign-2011-download&c=UK
5. Wrocław 2013
Confidential, property of PSP Polska.
Polish the most popular e-commerce
solution for bank transfers
So-called PayByLinki the following options:
•automatic
•semi-automatic
• PayByNet (KIR S.A.)
6. Wrocław 2013
Confidential, property of PSP Polska.
Common features of PayByLink
in Poland:
1. Bank transfer to the middleman
account
(Intermediary assumes account its
bank account at any bank) *
2. Confirmation of the transaction in
real time
(Only when the transfer within the
bank are in real time). Not all banks
keep an account of 7/24
3.The commission of about 2% or more (The automatic pay-by-links banks
account for most of the
commission)
4. Easier for the buyer: Auto-filling of
bank transfer
(not all Pay-By-Links feature
automatically auto-fill the bank
transfer)
* n/a KIR S.A.
7. Development of interbank
system in Poland
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Confidential, property of PSP Polska.
Sybir >>> Elixir >>> Realtime
“Immediate transfer on a
large scale this year”
www.onet.pl, 12.04.2013
8. Wrocław 2013
Confidential, property of PSP Polska.
How long does the Bank Transfer
in Poland?
The average waiting time 4 hours 25 minutes
Outgoing Bank Time of
Departure
Incoming Bank Time of Arrival waiting time*
CITI Bank 12:32 BZWBK 17:17 4,5
Multibank 12:22 BZWBK 17:07 4,5
Multibank 14:05 BZWBK 11:32 7,5
CITI Bank 14:08 BZWBK 17:21 3,0
Paribas 13:54 BZWBK 17:19 4,0
Paribas business 13:37 BZWBK 17:19 4,0
Multibank 10:25 BZWBK 17:05 6,5
CITI Bank 10:23 BZWBK 15:10 4,5
Paribas 10:33 BZWBK 15:09 4,5
Multibank 22:50 BZWBK 11:10 3,0
CITI Bank 22:50 BZWBK 11:15 3,0
Paribas 22:50 BZWBK 11:15 3,0
* Assumed working time of e-commerce from 08:00 to 18:00* Assumed working time of e-commerce from 08:00 to 18:00* Assumed working time of e-commerce from 08:00 to 18:00* Assumed working time of e-commerce from 08:00 to 18:00
9. What payment service the
seller buys?
Wrocław 2013
Confidential, property of PSP Polska.
1. Seller is informed that the buyer
has paid in real time
(Without any system seller learns about
the payment the latest the next morning -
for many e-commere a few hours in the
evening or at night is not critical)
Espago transfers indicates that the
transaction is carried out in real time.
2. Easier for the buyer: Auto-filling
bank transfer
(Customers like to automate, do not
abandon the transaction, it is a real
benefit to the seller)
Espago Transfers Transfer automates
the filling bank transfer.
3. Automatic payment reconciliation
(bank with the shop transaction).
(Exisiting systems provide information on
the bank account of the middleman)
Espago Transfers integrates and
reconciles transactions for some banks.
10. Espago Tranfers
Wrocław 2013
Confidential, property of PSP Polska.
•Espago Tranfer applet auto fills the buyer’s bank
transfer automatically for accounts in 23 Polish
banks
•We improve the processes for the seller: We give
notice of completion of the transaction in real-
time and allow integration with some banks
•Direct bank transfer to the account of the seller
11. Espago Transfers -
Economics
Wrocław 2013
Confidential, property of PSP Polska.
•The cost of a commission of 1%
•Reducing costs of the e-economy and e-commerce
•Elimination of unnecessary interme-diaries
•The benefits for the economy at the macro level
•Dissemination of non-cash transactions
in the economy
12. Wrocław 2013
Confidential, property of PSP Polska.
We offer
We provide a uniform API with a solution
consisting hereby:
•processing payment cards (VISA, MasterCard,
JCB, Amex)
•Automatic Recurring Payments
•Espago Tranfers
•PayByNet
13. How we earn?
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Confidential, property of PSP Polska.
•The commission - a percentage of each
transaction (as a provider of solutions)
•The partnership programs (cross selling
solutions)
•We are competitive
14. Thank you for your attention
and welcome to do business with us!
Sales: Tomasz Skotarek
tel. +48 790 727 273, t.skotarek@espago.com
Marketing: Agnieszka Gonczar,
tel. + 48 793 977 776, a.gonczar@espago.com
Business Development: Krzysztof Lis FCCA,
tel. +48 791 834 784, k.lis@psp-polska.pl
www.espago.com
Wrocław 2013
Confidential, property of PSP Polska.
