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www.asiapay.com
© 2016 AsiaPay Limited. All Rights Reserved. ConfidentialVersion: 2016.02.v1Version: 2017.02.v1
Overview of ePayment Services & Solutions
© 2016 AsiaPay Limited. All Rights Reserved. Confidential.
Hong Kong . Australia . China . India . Indonesia . Japan . Philippines . Singapore . Taiwan . Thailand . Vietnam . United Kingdom,
www.asiapay.com
© 2016 AsiaPay Limited. All Rights Reserved. ConfidentialVersion: 2016.02.v1Version: 2017.02.v1
Hong Kong . Australia . China . India . Indonesia . Japan . Philippines . Singapore . Taiwan . Thailand . Vietnam . United Kingdom
Company Background
2
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© 2016 AsiaPay Limited. All Rights Reserved. ConfidentialVersion: 2016.02.v1Version: 2017.02.v1 3
Global ePayment Services & Technologies
Provider
World-class Provider of ePayment Services &
Technologies in Asia since 2000.
Business Streams
• Payment Service Provider (TPP / ISO / PF)
• Payment Gateway Solution Provider
• Payment Security Solution Product Vendor
• eBusiness System Development and Consultancy
Our Vision
To be the leading ELECTRONIC PAYMENT
SERVICE AND TECHNOLOGY player in Asia and
beyond.
Our Mission
To help our business partners grow their business
through online by providing innovative, secure and
cost-effective solutions that will make them
competitive in the eCommerce landscape.
Hong Kong
16
Close to 100
Visa, MasterCard, American
Express, JCB , MasterPass,
Visa Checkout and O!ePay
100
12
PCIDSS Level 1 compliant
since 2006
Head Office
Countries Covered
3-D Secure n eWallet
Vendor
No. of Banks / FIs Allied
Professional Workforce
Operative Offices in Asia
Compliance
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© 2016 AsiaPay Limited. All Rights Reserved. ConfidentialVersion: 2016.02.v1Version: 2017.02.v1 4
Product Brands and Portfolio
B2C eCommerce Payment Gateway and Service
Advanced Risk and Fraud
Management Solution / Services
Business Payment
Solution Service
International Online eShop Platform
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© 2016 AsiaPay Limited. All Rights Reserved. ConfidentialVersion: 2016.02.v1Version: 2017.02.v1 5
• Multi-currency
• Multi-lingual
• Multi-user entitlement
• Transaction handling
• Flexible settlement
• Dynamic reportings
• Access control
• Web / Mobile API
Card Capture
Payment Gateway
e.g. MIGS, CyberSource
Processors
e.g. OmniPay, Prizm
Acquiring Banks
Direct Connection
Credit & Debit Cards
Bank Account & Net Banking
Wallet / Prepaid / Others
(Cash Counter)
PayDollar PayCart / HRMS / ORMS
Merchant Website
Customers Merchants Payment Gateway Acquirer / Card Schemes
Internet
Mobile
Call Center
Retail / Kiosk
eMOTO
IVRS
VPOS / mPOS
Shopping Cart
Currency
Processing
3-D Secure
Processing
eWallet
Processing
Fraud
Control
Other Plug-in Models
Omni-Channel Payment Platform
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© 2016 AsiaPay Limited. All Rights Reserved. ConfidentialVersion: 2016.02.v1Version: 2017.02.v1 6
• Local ePayment entity and operation complying local regulatory requirements and standards in 11 countries
• PCI DSS Level 1 Certified (2006+)
• Certified 3D-secure ACS/MPI vendor
• Certified Visa Checkout/MasterPass vendor
• Certified CUP TPSP
• Visa QSP (China)
Certifications
The only International player on the list
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© 2016 AsiaPay Limited. All Rights Reserved. ConfidentialVersion: 2016.02.v1Version: 2017.02.v1 7
Comprehensive Bank / Payment Network
Country Credit /Debit Card Acquiring Bank Partners Debit Services
Hong Kong
Australia
China
India
Indonesia
Macau
Malaysia
Philippines
Singapore
Taiwan
Thailand
Vietnam
UK
Others Bangladesh Mauritius Sri Lanka
Brunei Pakistan Global
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© 2016 AsiaPay Limited. All Rights Reserved. ConfidentialVersion: 2016.02.v1Version: 2017.02.v1 8
Banking and Finance Airlines Insurance
Hotel Travel & Transportation Digital & Electronic Goods Fashion & Apparel Marketplace & Other Retail
Telecommunication
Food & Beverage Media & Entertainment Ticketing
Cosmetic & Health Product Professional Association Non-Profit OrganizationEducation
Regional Client References
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Shopping Cart and ePlatform Plug-ins
Shopping Cart Plug-ins
Hospitality
Shopping Cart and ePlatform Plug-ins
Enterprise
Global Distribution System Ticketing & Event Management
Hospitality
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© 2016 AsiaPay Limited. All Rights Reserved. ConfidentialVersion: 2016.02.v1Version: 2017.02.v1 10
• Multi-channel: Integrated processing, risk control and reportings: Online, MOTO, Call Center, Mobile Channel,
Physical Stores…etc.
• Multi-currency: USD, RMB, HKD, NTD, JPY, MOP, Baht ….etc up to 126 currencies which can be easily
extendable to others…etc.
• Multi-payment Instrument: Visa, MasterCard, American Express, JCB, Diners, PPS (HK debit), Octopus, CUP,
CUPS, AliPay, Tenpay, WeChat, extendable to other payment instruments
• Multi-acquirer integrated processing, settlement and reportings
• Multi-lingual Payment Interface: English, Traditional/Simplified Chinese, Korean, Japanese, Thai, extendable
to others
• Multi-interface Choice: Direct connect, server payment page
• Multi-mode of Payment Support: Online sales and authorized, request payment..
• Multi-settlement * Window processing across country, bank card,…etc.
• Multi-user Level: Functional and user access control
• Built-in Advanced Fraud / Risk Management capabilities including 3-D Secure
PayGate is “An Award-Winning, advanced, comprehensive, integrated, secure, easy to
deploy, flexible multi-channel payment processing platform for eCommerce, mCommerce,
MOTO, Call Center and physical merchants, that is robust, high performance and highly
scalable and expandable…”. Offered in license or hosted models.
Award-winning Payment Platform
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© 2016 AsiaPay Limited. All Rights Reserved. ConfidentialVersion: 2016.02.v1Version: 2017.02.v1 11
Why eCommerce Service?
Enhanced ROI with an integrated CENTRALIZED payment management solution:
Enhance Sales with added convenience of offering more comprehensive payment instrument, language and
currency choices to global customers local and overseas and minimize sales dropout.
Enhanced Customer Service with more payment options and easy ready access to all payment and
processing transaction information under single platform
Enjoy Productivity and Cost Savings with user-friendly operation, comprehensive integrated reporting and
download tools across channels and payment types to enhance payment and settlement reconcilement
effectiveness
Minimize Financial Loss due to overseas risky transactions with our advanced fraud detection and
management system
Enjoy Low Cost of Setup and Ownership with no IT resource on any payment addition, nor equipment
maintenance and enjoy comprehensive ePayment value-added functions / applications such as shopping
cart, event reservation, scheduled payment, retail payment and others
Enhance Company Image and Competitive Edge leveraging on latest online payment facilities
Enjoy Latest Security Protection with bundled security features and controls
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© 2016 AsiaPay Limited. All Rights Reserved. ConfidentialVersion: 2016.02.v1Version: 2017.02.v1 12
Core PayGate Modules
Payment
Management
Settlement
Management
Payment
Security
Access Control
Management
Anti-fraud
Management
• Multi-card acceptance
• Multi-channel handling
• Multi-currency
processing
• Client-side, server-side
posting
• Multi-lingual Interface
• Support range of
payment transaction
types: sales, void,
refund…etc
• Payment result
notification
• Multi-currency
settlement
• Settlement batch
control management
• eStatement advice
• Customised settlement
control
• Direct bank account
transfer support
• Advanced payment
authentication
• Embedded 3-D secure
MPI processing
• PCIDSS standard of
data masking,
• encryption
• Secure user log in
authentication
• Multi-level user access
control
• Functional entitlement
control;
• Real-time audit trail
• Negative data control
• Rule based policy
management
• High risk country
control
• Real-time transaction
scoring
• Risk alert broadcast
control
Merchant
Management
Reporting and
Download
Value-added
Functionalities
Supporting
Reference
API
Library
• Company profile
• Merchant account
controls
• Payment processing
controls
• Limit controls
• Fraud management
controls
• Transaction detail
• Payment sales
• Refund
• Chargeback
• Settlement
• User control
• PayAlert reporting
• Real-time payment
analytical tools
• Shopping cart
• Customized Payment
Page
• eMOTO
• Scheduled payment
• Transaction Analysis
• News broadcasting tool
• Online merchant
feedback form
• Online Help
• Resource
documentation library
Support processing of:
• Batch capture
• Batch reversal
• Batch refund
• Transaction status
Query
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© 2016 AsiaPay Limited. All Rights Reserved. ConfidentialVersion: 2016.02.v1Version: 2017.02.v1 13
Security Adoption
PCIDSS Level 1 Compliant since 2006
Transaction Security
• Secure 256-bit EV SSL security encryption and encrypted data store
• Transaction origination IP trace and reporting
Payment Authentication
• Real-time reject on lost / stolen cards
• Real-time Visa, MasterCard, Amex and JCB 3D authentication
• CVV / CVC validation
• Merchant maintenance on fraud-potential card and IP
Operations Control
• PayAlert : Real-time alert on fraud-potential transactions
• Excessive card use blocking: Card information masking
Access Control
• User ID and password control, and invalid retries log
• Functional entitlement control
• Access audit trail
System and Network
• Dedicated end-to-end frame-relay leased line connection
• Firewall, database and network securities
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© 2016 AsiaPay Limited. All Rights Reserved. ConfidentialVersion: 2016.02.v1Version: 2017.02.v1 14
Risk and Fraud Management Framework
Risk & Fraud
Management
PCIDSS
compliant
system &
security
management
Merchant
acquisition
control
Payment
authentication
Risky
payment
filter
Fraud
detection
and alerts
Merchant
education
Industry
market
update
Secure
transaction
processing
Payment
monitoring
control
Operation
control
Latest fraud trend, controls
and technologies update with
banks and card associations
Know-your-customer (KYC)
Merchant company, products
and website review
Data encryption, data
masking and IP track
CVV2 / CVC2 validation
3-D Secure and eWallet Vendor
Real-time payment filters on IP, card
prefix, velocity, limits, countries…etc.
Real-time payment behaviour
analysis and alert on fraudulent
potential payments
Payment transaction
monitoring and analysis
Exceptional sales, retrieval
and chargeback tracking
and analysis
Reference resources,
workshop training and
advisory support
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© 2016 AsiaPay Limited. All Rights Reserved. ConfidentialVersion: 2016.02.v1Version: 2017.02.v1
Hong Kong . Australia . China . India . Indonesia . Japan . Philippines . Singapore . Taiwan . Thailand . Vietnam . United Kingdom
Summary of
ePayment Capabilities
15
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© 2016 AsiaPay Limited. All Rights Reserved. ConfidentialVersion: 2016.02.v1Version: 2017.02.v1 16
Up to 12 international languages
• English
• Traditional Chinese
• Simplified Chinese
• Japanese
• Korean
• Thai
• Spanish
• French
• German
• Vietnamese
• Korean
• Indonesian (soon)
Multi-lingual Payment Capability
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© 2016 AsiaPay Limited. All Rights Reserved. ConfidentialVersion: 2016.02.v1Version: 2017.02.v1 17
Summary of Value-added Features Capabilities
Value-added Features
Multi-bank, Multi-payment, Multi-currency
Support up to 100 payment types / acquirers and close to
126 currencies
Multi User Level Access and Reporting
Multiple user level user access and reporting controls
Dynamic Currency Conversion (DCC)
Currency conversion with added choice of card currency
Multi-currency Processing (MCP)
Multiple Currency conversion with added choice of
customer preferred currency
Local Card & On-Us Card Filter
Currency Local and specific issuer card filter
PayBooth
Real-time direct payment to merchant account
3D Secure Filter
3D secure card payment filter
Payment Request (Link/QR)
Payment request URL n QR code generation
Anti-fraud
Real-time anti-fraud filter and alerts with customizable
rules
Payment Analyzer
Real-time payment analysis MIS and charting tool
Card eWallet
Visa Checkout and MasterCard MasterPass checkout
processing support
Customized Payment Page
Customized and hosted payment page at gateway
Mobile Payment
Responsive payment page and API for mobile devices
and apps
eMOTO
Real-time Mail Order and Telephone Order payment capture
Retail Pay (vPOS)
PC based virtual POS
mPOS Plus
Mobile payment acceptance via smart phones and tablets
Channel Capabilities
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© 2016 AsiaPay Limited. All Rights Reserved. ConfidentialVersion: 2016.02.v1Version: 2017.02.v1 18
Summary of Value-added Features Capabilities
Value-added Functionalities
SchedulePay
Multiple schedule recurring payment billing
MemberPay
Express payment check out with member authentication and
credit card tokenization
BatchPay
Batch payment submission for processing
TokenPay
Tokenized member credit card for secure processing
InstallPay
Real-time installment payment processing
PromoPay
Parameterized discount payment promotion processing
eLoyalty
On-Us bonus point redemption along payment
eVoucher
Multi-channel voucher generation, fulfillment and
reconciliation
PayCart
Integrated shopping cart management
ORMS
Integrated online registration management system (trainings,
seminars and examinations)
HRMS
Integrated hotel reservation management
pPay
Micro-payment and pre-payment processing management
Value-added Solutions
Payyo eWallet
Digital wallet solution for merchants and banks
EventPay
Payment logging for parameterized events
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© 2016 AsiaPay Limited. All Rights Reserved. ConfidentialVersion: 2016.02.v1Version: 2017.02.v1
Hong Kong . Australia . China . India . Indonesia . Japan . Philippines . Singapore . Taiwan . Thailand . Vietnam . United Kingdom
Multi-Channel
Payment Capabilities
19
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© 2016 AsiaPay Limited. All Rights Reserved. ConfidentialVersion: 2016.02.v1Version: 2017.02.v1 20
Mobile Payment Capability
Mobile-responsive Payment
Web Page (iphone/Andriod)
Mobile App (API)
Mobile mPOS
Customized EDC and Kiosk
(Android)
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© 2016 AsiaPay Limited. All Rights Reserved. ConfidentialVersion: 2016.02.v1Version: 2017.02.v1 21
Payment Link by Email
Step1: Merchant keys in PayLink details Step2 : Copy the link
Step3 : Attach to email
Step6: Payment successful / return to URL Step5: Customer keys in card details Step4 : Customer clicks on the link and
chooses payment method
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© 2016 AsiaPay Limited. All Rights Reserved. ConfidentialVersion: 2016.02.v1Version: 2017.02.v1 22
PayDollar Analyzer provide different kinds of analytics and MIS tool to help
merchants better monitor and manage their business.
Following are some of the key analytics:
• Sales performance
• Business trend
• Periodic analysis
• Geographical payment analysis
• Peak hours traffic
Payment Analytic
H: Peak Hour
L: Non-Peak Hour
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© 2016 AsiaPay Limited. All Rights Reserved. ConfidentialVersion: 2016.02.v1Version: 2017.02.v1 23
ePayAlert (Intelligent Fraud Management System)
ePayAlert is a real-time fraud and risk
and monitoring system that detects and
prevent online fraud
Benefits:
• Prevent fraud
• Increase revenue
• Protect reputation
• Save time
• Reduce costs
Comprehensive Tools on:
• Parameter format checking
• Blacklist control
• Geographical checking
• Velocity checking
• Transaction limit checking
• Historical negative record checking
• Risk scoring
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© 2016 AsiaPay Limited. All Rights Reserved. ConfidentialVersion: 2016.02.v1Version: 2017.02.v1 24
Installment Payment
Banks and merchants will be able to extend the benefits of installment payment plans to credit cardholders
who shops online.
Benefits:
• Flexible installment rates and fees
• Increase On-Us transactions
• Increase high-ticket purchases
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© 2016 AsiaPay Limited. All Rights Reserved. ConfidentialVersion: 2016.02.v1Version: 2017.02.v1
Hong Kong . Australia . China . India . Indonesia . Japan . Philippines . Singapore . Taiwan . Thailand . Vietnam . United Kingdom
Value-Added Solutions
25
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© 2016 AsiaPay Limited. All Rights Reserved. ConfidentialVersion: 2016.02.v1Version: 2017.02.v1 26
SchedulePay is a recurring payments module that enables merchants to collect payments on monthly,
quarterly or annual fees.
Benefits:
• Facilitate hassle-free recurring payments for
your customers
• Increase sales and payment capture efficiency,
saving the effort of collecting individually
• Meet customer expectation and enhance customer
service satisfaction
• Lower processing costs and payment acceptance risks
SchedulePay (Recurring Payment Solution)
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SchedulePay - Recurring Payment Solution
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© 2016 AsiaPay Limited. All Rights Reserved. ConfidentialVersion: 2016.02.v1Version: 2017.02.v1 28
MemberPay implemented on a payment page
Secure Tokenization / MemberPay
Member Tokenization enables frequent and loyal
online shoppers to make secure online payments via
tokenization without the tedious process of entering their
payment data every time they make an online purchase. It
replaces sensitive customer information with a unique random
generated values called “tokens”.
Benefits:
• Minimize lost sales due to customer frustration
• Gain higher conversion rate
• Provide convenience to customers
• Gather customer insights
• Easy to manage & secure transactions
For the 2nd Payment :
Card No and Expiry Date are
NOT required
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© 2016 AsiaPay Limited. All Rights Reserved. ConfidentialVersion: 2016.02.v1Version: 2017.02.v1 29
EventPay is an online-based event booking engine which allows customer to easily and quickly pay for
real-time event booking set by the merchant.
Benefits:
• Enhance payment experience by letting the customer to specify an event to pay for
• Enhance payment reconciliation ease across events
Select event in the
drop-down menu
EventPay
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© 2016 AsiaPay Limited. All Rights Reserved. ConfidentialVersion: 2016.02.v1Version: 2017.02.v1 30
Card Promotion Service allow merchants and banks to define their own promotional campaigns
to their customers.
Benefits
• Encourage customers to shop more online
• Customers can make online purchases
at discounted rates using their credit
cards
• Make online shopping a lot more practical
and convenient.
Features
• Customizable promotion rate
• Customizable promotion dates
• Multiple promotions support
• Multi-language support
• User-friendly and intuitive interface
• Reporting tools
PromoPay
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© 2016 AsiaPay Limited. All Rights Reserved. ConfidentialVersion: 2016.02.v1Version: 2017.02.v1 31
e-Voucher solution allow merchants to issue and
broadcast different kinds of promotion e-Voucher to
encourage customers to shop more online. Customers can
make online purchases with the e-Voucher that making
online shopping a lot more practical and convenient.
Benefits:
• Enhance sales and brand awareness
• Save costs and overheads
in printing and distribution
printed voucher
• Redemption checking in
real time error-free
For this case, the
original amount of
the transaction is
HKD 900.
A customer use an
e-Voucher to enjoy
a 20% discount for
the payment.
Enter Coupon Code
and click ‘APPLY’
Discount being applied
e-Voucher will be shown after
verification
Sample of the e-Voucher
e-Voucher
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© 2016 AsiaPay Limited. All Rights Reserved. ConfidentialVersion: 2016.02.v1Version: 2017.02.v1 32
Batch PayOut
Batch PayOut is an electronic fund transfer service that provides companies and individuals with a
payment disbursement facility for domestic electronic funds transfer in local currency.
Benefits:
• Safe and secure fund transfers between sender and beneficiaries
• Reduced overhead costs on processing and reporting
• Save time compared to using other manual payout processes
• Enjoy lesser paper works and manual approval
• Accurate transfer of funds
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© 2016 AsiaPay Limited. All Rights Reserved. ConfidentialVersion: 2016.02.v1Version: 2017.02.v1 33
PayCart
PayCart is an internet-based shopping
platform which helping new interested
merchant to join the online sales channel in
a effective way.
Benefits:
• Time to market
• Easy to set-up
• User friendly navigation along product
selection and aggregation
• Flexible delivery costing scheme setup and
total cost calculation
• Comprehensive delivery detail capture user
friendly product and purchase order
administration
• Seamless integration with payment service
• Multi-lingual and currency support
• Supported open source shopping cart
platforms
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© 2016 AsiaPay Limited. All Rights Reserved. ConfidentialVersion: 2016.02.v1Version: 2017.02.v1 34
1.
Add Event
2.
View / Update
Event
3.
Online Enrolment
Event Administrator
5.
Receive offline
enrolment request
EventAdminOnlineRegistration/AttendancePaymentGateway
System workflow of Online Registration Management System
Member
4.
Pay by Credit Card
(Authorize)
Member
6.
Offline Enrolment
7.
Confirm
Enrolments
8.
Confirm Payment
9.
Export
Event/Enrolment
to Attendance Sys
10.
Check-in / Check
out
11.
Import Attendance
Record
12.
Calculate Unit
13.
View Report
14.
Confirmation
ORMS
ORMS is a web-based event registration
and payment processing platform for
managing online registrations.
Benefits:
• Enjoy faster time to market
• Enhance signup effectiveness
• Enjoy productivity and cost savings with
automated registration and payment
processing
• Enjoy low cost of ownership and high ROI
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© 2016 AsiaPay Limited. All Rights Reserved. ConfidentialVersion: 2016.02.v1Version: 2017.02.v1 35
HRMS
HRMS is a web-based hotel reservation and payment
processing platform to accept and manage online
reservations.
Benefits:
• Hotels can accept and manage reservations and
payments online anytime, anywhere
• Provide convenient payment choices
• Enjoy time to market with minimal setup
• Enjoy productivity and cost savings
• Enhance hotel image & competitiveness
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© 2016 AsiaPay Limited. All Rights Reserved. ConfidentialVersion: 2016.02.v1Version: 2017.02.v1 36
 Award-winning One-stop Payment Management
Single platform for multi-card, multi- currency, mutli-acquirier processing and settlement controls
 Comprehensive Payment Coverage
Widest range of credit , debit payment options and acquirers, covering 50%+ banks and payment brands
 Multiple Payment Channel Capability
Support online, phone order and mail order, retail outlets, kiosk, smart phones…etc
 Comprehensive Risk and Anti-Fraud controls
PCIDSS compliant since 2006, with built-in anti-fraud and risk management system
 Robust and Certified Technology
3-D Secure n eWallet Vendor for VISA, MasterCard, American Express and JCB in Asia
 Reliable and High Availability
High service level and availability over 99.9%
 Flexible and Highly Customisable
Customizable online and mobile payment interfaces and valueadd modules
 Extendable and Expandable
Diverse value-added services such as Promotion Payment, Tokenization, Recurring Payment etc
 Proven Track Record and Solid Industry Expertise
11-year + regional experience in ePayment industries serving thousands MNCs & SMEs
 Broadest World-class Enterprise Service in 11 countries in Asia
Professional technical support and quality local merchant service across 12 operations in Asia
Competitive Advantages
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© 2016 AsiaPay Limited. All Rights Reserved. ConfidentialVersion: 2016.02.v1Version: 2017.02.v1 37
Trusted and Professional Gateway Partner
Top 11 Common Selection Criteria by Leading eCommerce Clients
Data Security PCIDSS Level 1 since 2006
Transaction Speed and Performance
Mostly from 3 sec. (subject to bank
and network)
Reliability ~ 100% accuracy
Service Availability (Uptime) / HA > 99.9%
Payment Approval Rate Could up to 85% - 90%
Fraud Mitigation and Advisory Lower to < 0.2%-0.5%
Country and Payment Method Extendibility Over 11 countries n 80 payments
Feature Expandability Over 30 VA services
CB / Account Service, and emergency support 7 x24 technical local
10. Track Record and experience 16 years in ePayment
11. Comprehensive, easy one-stop Integration As little as 1 day
Remarks: For reference only
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© 2016 AsiaPay Limited. All Rights Reserved. ConfidentialVersion: 2016.02.v1Version: 2017.02.v1 38
Competitive Advantages
Enhance Sales n Service
Potential Incremental
Revenue
Expanded payment options 3 - 10%
Minimize drop-out with optimized processing time and throughput (3-9
seconds)
x %
Enhanced uptime and minimal sales loss during gateway outage y %
Optimized approval rate 3 - 10%
Enhanced problem solving turnaround time with 7x24 support
Save Costs n Risks
Payment Cost
Saving Out of Revenue
Lower effective MDR with local acquiring and DCC/MCP 0.2 - 1%
Lower transaction fee/costs especially with AFP 0.2 - 1%
Save chargeback risks / losses with enhanced authentication
(3-D Secure) and support
0.1 - 0.5%
Minimize financial loss with integrated effective fraud-prevention tools 0.2 - 2%
Save substantial IT overheads on payment integration and migration 0.1 - 0.2%
Minimize data vulnerability security risks with PCI –compliant support
Tax savings due to local acquiring
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© 2016 AsiaPay Limited. All Rights Reserved. ConfidentialVersion: 2016.02.v1Version: 2017.02.v1 39
Comparison with Bank direct
AsiaPay Bank
Application and Deposit Relatively simple Complicated. Deposit requirement
Refund and Consolidated
Settlement
Handled by AsiaPay Handled by merchant
Integration Methods Client post, server post and hosted payment page support Limited
Integration Testing Testing account and testing support Limited
Multi-currency /
Currency Conversion
Support up to 126 currencies Limited
Multi-channel
Integrated processing across online, mobile, call centre, MOTO, retail,
etc.
Limited
Multi-lingual Up to 12 languages in Asia and global market
Multi-payment Methods
Comprehensive coverage of credit cards, local debits and other
alternative payments in Asia
Limited to credit cards only
Fraud Prevention Tools
Built-in intelligent fraud management system, 3-D Secure, CVV
authentication
Limited
Security Tools Tokenization Limited
Reports Comprehensive dynamic reportings Limited to static report
Local Support
7 x 24 emergency technical support
Experienced and professional teams for best practice advice
Limited
Customization Ease High and dynamic Limited
Expandability Expanded to new payment methods, channels, plug-ins Limited
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© 2016 AsiaPay Limited. All Rights Reserved. ConfidentialVersion: 2016.02.v1Version: 2017.02.v1 40
Comparison with other PSPs
AsiaPay Other PSPs
Experience in Asia Since 2000 Less experienced
Compliance PCIDSS Level 1 compliant since 2006 Limited
Certification Certified TPP/IPSP/PF and 3-D Secure Vendor Limited
Awards Award-winning gateway Limited
Multi-channels Online, mobile, MOTO, call centre, IVRS, retail..etc Mostly online
Payment Options One-stop comprehensive credit card, debit and cash payment in Asia Limited
Multi-lingual / Currencies Up to 12 international languages and around 126 choices of currencies Limited
Payment Solutions
BatchPay / Card Promotion Payment / Member Payment
Dynamic Currrency Conversion (DCC) / MCP / EventPay
Installment Payment / Cash Dollar Redemption / Recurring Payment
Mobile Payment (mPOS plus) / QRPay / RetailPay
Limited
Fraud and Security
Solutions
- Built-in intelligent fraud management tools and reports
- 3-D Secure, CVV authentication, tokenization
Limited. Account may be
frozen
Settlement Direct daily settlement by bank or twice per month via AsiaPay
Settlement by payment
company only
Reports and Analyser
Comprehensive real-time dynamic and user-friendly reports for online view and
download
Basic static report only
Merchant Service and
Technical Support
- 7x24 technical support
- Dedicated professional account service and best practice advice
Limited
Settlement /
Cross-border Fee
No
Extra fee for settlement
and cross-border
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© 2016 AsiaPay Limited. All Rights Reserved. ConfidentialVersion: 2016.02.v1Version: 2017.02.v1 41
“…certified PayDollar PayGate….our merchants can adopt their payment solution to talk with our infrastructure to process online
Visa, MasterCard and Diners transactions in a secure and reliable topology…”
- Citibank HK
“…We find the gateway being highly secure, reliable and function-rich. The functionalities and performance has been well
received and satisfied by our staff operating the gateway with the ease of operations and differentiated features…”
- FuBon Bank
“…decided to switch to AsiaPay to achieve cost savings and improved availability….We have not only attained significant
cost savings, but also substantially enhanced our services our customers with more payment options with enhanced
security,….appreciate their tireless efforts in meeting our needs and proactiveness in adding value to their services…”
- SaSa.com
(largest listed cosmetic and healthcare Group in HK)
“We find the gateway being highly secure and reliable. The functionalities and performance has been well received and
satisfied by our staff operating the gateway with the ease of operations and differentiated features.”
- Finance Director, Westminster Travel Limited
“The Empire Hotels and Resorts was the first among Hong Kong’s hotels to engage AsiaPay as a provider of the hotel group’s
internet payment gateway on the strength of AsiaPay’s established presence in Hong Kong and Asia and its expertise in this
specialized technology.”
-Group Director of Communications, The Empire Hotels & Resorts
Testimonial
www.asiapay.com
© 2016 AsiaPay Limited. All Rights Reserved. ConfidentialVersion: 2016.02.v1Version: 2017.02.v1 42
Market Recognition
Business Awards Payment Technology and Service Awards
SME Cloud Promotion
Campaign Best SME
Cloud Solutions Award
by HKSAR Office of
the Government Chief
information
Officer, 2015
25 Most Promising Banking &
Software Solution Providers 2016
by APAC CIO Outlook
Magazine, 2016
CNP Awards: Best
CNP Program
Outside the U.S.
- Customer Choice
by CNP Expo, 2013
Deloitte Technology Fast 500:
Asia Pacific 2010 Winner
by Deloitte, 2010
Best SME Partners Award: The
Best Online Payment Platform
by Economic Digest, 2011
The Best Payment
Product
by the 2010 China
Information
Security Conference,
2010
Hong Kong ICT Awards:
Best Collaboration
Award (Overseas Market)
Silver Award
by Hong Kong
Software Industry
Association, 2009
The most valuable cross border
e-commerce Provider 2015
Awards
by IEBE, 2016
2015 China I + Finance Industry
Top 10 Enterprises Award
by Electronic Commerce
Association, 2015
Mediazone's Most
Valuable Services
Awards in Hong
Kong
by Mediazone Ltd,
2014
Hong Kong Business
Awards: SME Award
by DHL & SCMP, 2011
Best Company of the Year for
Electronic Payment Solutions
& Innovation / Regional Award
by IAIR Group, 2016
10th International
APICTA Awards:
Best of Financial
Applications (Merit
Award)
by APICTA, 2010
e-brand awards: Best
of Online & Mobile
Payment Service
Award
by e-zone, 2016
Global Banking & Finance
Review Awards: Best Payment
Solutions Provider Pan Asia
by GBAF Publication, 2015
Prime Award for Banking &
Finance: The Best E-Payment
Platform
by Metrobox, 2011
Version: 2016.05.v1
Gold Internet Finance
Solution Provider
by iProA, 2016
Supreme Brand Awards 2016
by CAPITAL CEO,
2016
Red Herring Top 100
Global Winner
by Red Herring, 2015,
2013
Certifications
Payment Card Industry Data
Security Standard (PCIDSS)
Compliance since 2006
HSBC Living Business
Award: People Caring
(Merit Award)
by HSBC, 2010-13
Hong Kong Awards for
Environmental
Excellence
by Environmental
Campaign Committee,
2009-13
Social Responsibility Awards
Certified 3-D
Secure Vendor
Biz.IT Excellence 2016
by PCM, 2016
www.asiapay.com
© 2016 AsiaPay Limited. All Rights Reserved. ConfidentialVersion: 2016.02.v1Version: 2017.02.v1 43
Thank you
for your time

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Asiapay india pay dollar

  • 1. www.asiapay.com © 2016 AsiaPay Limited. All Rights Reserved. ConfidentialVersion: 2016.02.v1Version: 2017.02.v1 Overview of ePayment Services & Solutions © 2016 AsiaPay Limited. All Rights Reserved. Confidential. Hong Kong . Australia . China . India . Indonesia . Japan . Philippines . Singapore . Taiwan . Thailand . Vietnam . United Kingdom,
  • 2. www.asiapay.com © 2016 AsiaPay Limited. All Rights Reserved. ConfidentialVersion: 2016.02.v1Version: 2017.02.v1 Hong Kong . Australia . China . India . Indonesia . Japan . Philippines . Singapore . Taiwan . Thailand . Vietnam . United Kingdom Company Background 2
  • 3. www.asiapay.com © 2016 AsiaPay Limited. All Rights Reserved. ConfidentialVersion: 2016.02.v1Version: 2017.02.v1 3 Global ePayment Services & Technologies Provider World-class Provider of ePayment Services & Technologies in Asia since 2000. Business Streams • Payment Service Provider (TPP / ISO / PF) • Payment Gateway Solution Provider • Payment Security Solution Product Vendor • eBusiness System Development and Consultancy Our Vision To be the leading ELECTRONIC PAYMENT SERVICE AND TECHNOLOGY player in Asia and beyond. Our Mission To help our business partners grow their business through online by providing innovative, secure and cost-effective solutions that will make them competitive in the eCommerce landscape. Hong Kong 16 Close to 100 Visa, MasterCard, American Express, JCB , MasterPass, Visa Checkout and O!ePay 100 12 PCIDSS Level 1 compliant since 2006 Head Office Countries Covered 3-D Secure n eWallet Vendor No. of Banks / FIs Allied Professional Workforce Operative Offices in Asia Compliance
  • 4. www.asiapay.com © 2016 AsiaPay Limited. All Rights Reserved. ConfidentialVersion: 2016.02.v1Version: 2017.02.v1 4 Product Brands and Portfolio B2C eCommerce Payment Gateway and Service Advanced Risk and Fraud Management Solution / Services Business Payment Solution Service International Online eShop Platform
  • 5. www.asiapay.com © 2016 AsiaPay Limited. All Rights Reserved. ConfidentialVersion: 2016.02.v1Version: 2017.02.v1 5 • Multi-currency • Multi-lingual • Multi-user entitlement • Transaction handling • Flexible settlement • Dynamic reportings • Access control • Web / Mobile API Card Capture Payment Gateway e.g. MIGS, CyberSource Processors e.g. OmniPay, Prizm Acquiring Banks Direct Connection Credit & Debit Cards Bank Account & Net Banking Wallet / Prepaid / Others (Cash Counter) PayDollar PayCart / HRMS / ORMS Merchant Website Customers Merchants Payment Gateway Acquirer / Card Schemes Internet Mobile Call Center Retail / Kiosk eMOTO IVRS VPOS / mPOS Shopping Cart Currency Processing 3-D Secure Processing eWallet Processing Fraud Control Other Plug-in Models Omni-Channel Payment Platform
  • 6. www.asiapay.com © 2016 AsiaPay Limited. All Rights Reserved. ConfidentialVersion: 2016.02.v1Version: 2017.02.v1 6 • Local ePayment entity and operation complying local regulatory requirements and standards in 11 countries • PCI DSS Level 1 Certified (2006+) • Certified 3D-secure ACS/MPI vendor • Certified Visa Checkout/MasterPass vendor • Certified CUP TPSP • Visa QSP (China) Certifications The only International player on the list
  • 7. www.asiapay.com © 2016 AsiaPay Limited. All Rights Reserved. ConfidentialVersion: 2016.02.v1Version: 2017.02.v1 7 Comprehensive Bank / Payment Network Country Credit /Debit Card Acquiring Bank Partners Debit Services Hong Kong Australia China India Indonesia Macau Malaysia Philippines Singapore Taiwan Thailand Vietnam UK Others Bangladesh Mauritius Sri Lanka Brunei Pakistan Global
  • 8. www.asiapay.com © 2016 AsiaPay Limited. All Rights Reserved. ConfidentialVersion: 2016.02.v1Version: 2017.02.v1 8 Banking and Finance Airlines Insurance Hotel Travel & Transportation Digital & Electronic Goods Fashion & Apparel Marketplace & Other Retail Telecommunication Food & Beverage Media & Entertainment Ticketing Cosmetic & Health Product Professional Association Non-Profit OrganizationEducation Regional Client References
  • 9. www.asiapay.com © 2016 AsiaPay Limited. All Rights Reserved. ConfidentialVersion: 2016.02.v1Version: 2017.02.v1 9 Shopping Cart and ePlatform Plug-ins Shopping Cart Plug-ins Hospitality Shopping Cart and ePlatform Plug-ins Enterprise Global Distribution System Ticketing & Event Management Hospitality
  • 10. www.asiapay.com © 2016 AsiaPay Limited. All Rights Reserved. ConfidentialVersion: 2016.02.v1Version: 2017.02.v1 10 • Multi-channel: Integrated processing, risk control and reportings: Online, MOTO, Call Center, Mobile Channel, Physical Stores…etc. • Multi-currency: USD, RMB, HKD, NTD, JPY, MOP, Baht ….etc up to 126 currencies which can be easily extendable to others…etc. • Multi-payment Instrument: Visa, MasterCard, American Express, JCB, Diners, PPS (HK debit), Octopus, CUP, CUPS, AliPay, Tenpay, WeChat, extendable to other payment instruments • Multi-acquirer integrated processing, settlement and reportings • Multi-lingual Payment Interface: English, Traditional/Simplified Chinese, Korean, Japanese, Thai, extendable to others • Multi-interface Choice: Direct connect, server payment page • Multi-mode of Payment Support: Online sales and authorized, request payment.. • Multi-settlement * Window processing across country, bank card,…etc. • Multi-user Level: Functional and user access control • Built-in Advanced Fraud / Risk Management capabilities including 3-D Secure PayGate is “An Award-Winning, advanced, comprehensive, integrated, secure, easy to deploy, flexible multi-channel payment processing platform for eCommerce, mCommerce, MOTO, Call Center and physical merchants, that is robust, high performance and highly scalable and expandable…”. Offered in license or hosted models. Award-winning Payment Platform
  • 11. www.asiapay.com © 2016 AsiaPay Limited. All Rights Reserved. ConfidentialVersion: 2016.02.v1Version: 2017.02.v1 11 Why eCommerce Service? Enhanced ROI with an integrated CENTRALIZED payment management solution: Enhance Sales with added convenience of offering more comprehensive payment instrument, language and currency choices to global customers local and overseas and minimize sales dropout. Enhanced Customer Service with more payment options and easy ready access to all payment and processing transaction information under single platform Enjoy Productivity and Cost Savings with user-friendly operation, comprehensive integrated reporting and download tools across channels and payment types to enhance payment and settlement reconcilement effectiveness Minimize Financial Loss due to overseas risky transactions with our advanced fraud detection and management system Enjoy Low Cost of Setup and Ownership with no IT resource on any payment addition, nor equipment maintenance and enjoy comprehensive ePayment value-added functions / applications such as shopping cart, event reservation, scheduled payment, retail payment and others Enhance Company Image and Competitive Edge leveraging on latest online payment facilities Enjoy Latest Security Protection with bundled security features and controls
  • 12. www.asiapay.com © 2016 AsiaPay Limited. All Rights Reserved. ConfidentialVersion: 2016.02.v1Version: 2017.02.v1 12 Core PayGate Modules Payment Management Settlement Management Payment Security Access Control Management Anti-fraud Management • Multi-card acceptance • Multi-channel handling • Multi-currency processing • Client-side, server-side posting • Multi-lingual Interface • Support range of payment transaction types: sales, void, refund…etc • Payment result notification • Multi-currency settlement • Settlement batch control management • eStatement advice • Customised settlement control • Direct bank account transfer support • Advanced payment authentication • Embedded 3-D secure MPI processing • PCIDSS standard of data masking, • encryption • Secure user log in authentication • Multi-level user access control • Functional entitlement control; • Real-time audit trail • Negative data control • Rule based policy management • High risk country control • Real-time transaction scoring • Risk alert broadcast control Merchant Management Reporting and Download Value-added Functionalities Supporting Reference API Library • Company profile • Merchant account controls • Payment processing controls • Limit controls • Fraud management controls • Transaction detail • Payment sales • Refund • Chargeback • Settlement • User control • PayAlert reporting • Real-time payment analytical tools • Shopping cart • Customized Payment Page • eMOTO • Scheduled payment • Transaction Analysis • News broadcasting tool • Online merchant feedback form • Online Help • Resource documentation library Support processing of: • Batch capture • Batch reversal • Batch refund • Transaction status Query
  • 13. www.asiapay.com © 2016 AsiaPay Limited. All Rights Reserved. ConfidentialVersion: 2016.02.v1Version: 2017.02.v1 13 Security Adoption PCIDSS Level 1 Compliant since 2006 Transaction Security • Secure 256-bit EV SSL security encryption and encrypted data store • Transaction origination IP trace and reporting Payment Authentication • Real-time reject on lost / stolen cards • Real-time Visa, MasterCard, Amex and JCB 3D authentication • CVV / CVC validation • Merchant maintenance on fraud-potential card and IP Operations Control • PayAlert : Real-time alert on fraud-potential transactions • Excessive card use blocking: Card information masking Access Control • User ID and password control, and invalid retries log • Functional entitlement control • Access audit trail System and Network • Dedicated end-to-end frame-relay leased line connection • Firewall, database and network securities
  • 14. www.asiapay.com © 2016 AsiaPay Limited. All Rights Reserved. ConfidentialVersion: 2016.02.v1Version: 2017.02.v1 14 Risk and Fraud Management Framework Risk & Fraud Management PCIDSS compliant system & security management Merchant acquisition control Payment authentication Risky payment filter Fraud detection and alerts Merchant education Industry market update Secure transaction processing Payment monitoring control Operation control Latest fraud trend, controls and technologies update with banks and card associations Know-your-customer (KYC) Merchant company, products and website review Data encryption, data masking and IP track CVV2 / CVC2 validation 3-D Secure and eWallet Vendor Real-time payment filters on IP, card prefix, velocity, limits, countries…etc. Real-time payment behaviour analysis and alert on fraudulent potential payments Payment transaction monitoring and analysis Exceptional sales, retrieval and chargeback tracking and analysis Reference resources, workshop training and advisory support
  • 15. www.asiapay.com © 2016 AsiaPay Limited. All Rights Reserved. ConfidentialVersion: 2016.02.v1Version: 2017.02.v1 Hong Kong . Australia . China . India . Indonesia . Japan . Philippines . Singapore . Taiwan . Thailand . Vietnam . United Kingdom Summary of ePayment Capabilities 15
  • 16. www.asiapay.com © 2016 AsiaPay Limited. All Rights Reserved. ConfidentialVersion: 2016.02.v1Version: 2017.02.v1 16 Up to 12 international languages • English • Traditional Chinese • Simplified Chinese • Japanese • Korean • Thai • Spanish • French • German • Vietnamese • Korean • Indonesian (soon) Multi-lingual Payment Capability
  • 17. www.asiapay.com © 2016 AsiaPay Limited. All Rights Reserved. ConfidentialVersion: 2016.02.v1Version: 2017.02.v1 17 Summary of Value-added Features Capabilities Value-added Features Multi-bank, Multi-payment, Multi-currency Support up to 100 payment types / acquirers and close to 126 currencies Multi User Level Access and Reporting Multiple user level user access and reporting controls Dynamic Currency Conversion (DCC) Currency conversion with added choice of card currency Multi-currency Processing (MCP) Multiple Currency conversion with added choice of customer preferred currency Local Card & On-Us Card Filter Currency Local and specific issuer card filter PayBooth Real-time direct payment to merchant account 3D Secure Filter 3D secure card payment filter Payment Request (Link/QR) Payment request URL n QR code generation Anti-fraud Real-time anti-fraud filter and alerts with customizable rules Payment Analyzer Real-time payment analysis MIS and charting tool Card eWallet Visa Checkout and MasterCard MasterPass checkout processing support Customized Payment Page Customized and hosted payment page at gateway Mobile Payment Responsive payment page and API for mobile devices and apps eMOTO Real-time Mail Order and Telephone Order payment capture Retail Pay (vPOS) PC based virtual POS mPOS Plus Mobile payment acceptance via smart phones and tablets Channel Capabilities
  • 18. www.asiapay.com © 2016 AsiaPay Limited. All Rights Reserved. ConfidentialVersion: 2016.02.v1Version: 2017.02.v1 18 Summary of Value-added Features Capabilities Value-added Functionalities SchedulePay Multiple schedule recurring payment billing MemberPay Express payment check out with member authentication and credit card tokenization BatchPay Batch payment submission for processing TokenPay Tokenized member credit card for secure processing InstallPay Real-time installment payment processing PromoPay Parameterized discount payment promotion processing eLoyalty On-Us bonus point redemption along payment eVoucher Multi-channel voucher generation, fulfillment and reconciliation PayCart Integrated shopping cart management ORMS Integrated online registration management system (trainings, seminars and examinations) HRMS Integrated hotel reservation management pPay Micro-payment and pre-payment processing management Value-added Solutions Payyo eWallet Digital wallet solution for merchants and banks EventPay Payment logging for parameterized events
  • 19. www.asiapay.com © 2016 AsiaPay Limited. All Rights Reserved. ConfidentialVersion: 2016.02.v1Version: 2017.02.v1 Hong Kong . Australia . China . India . Indonesia . Japan . Philippines . Singapore . Taiwan . Thailand . Vietnam . United Kingdom Multi-Channel Payment Capabilities 19
  • 20. www.asiapay.com © 2016 AsiaPay Limited. All Rights Reserved. ConfidentialVersion: 2016.02.v1Version: 2017.02.v1 20 Mobile Payment Capability Mobile-responsive Payment Web Page (iphone/Andriod) Mobile App (API) Mobile mPOS Customized EDC and Kiosk (Android)
  • 21. www.asiapay.com © 2016 AsiaPay Limited. All Rights Reserved. ConfidentialVersion: 2016.02.v1Version: 2017.02.v1 21 Payment Link by Email Step1: Merchant keys in PayLink details Step2 : Copy the link Step3 : Attach to email Step6: Payment successful / return to URL Step5: Customer keys in card details Step4 : Customer clicks on the link and chooses payment method
  • 22. www.asiapay.com © 2016 AsiaPay Limited. All Rights Reserved. ConfidentialVersion: 2016.02.v1Version: 2017.02.v1 22 PayDollar Analyzer provide different kinds of analytics and MIS tool to help merchants better monitor and manage their business. Following are some of the key analytics: • Sales performance • Business trend • Periodic analysis • Geographical payment analysis • Peak hours traffic Payment Analytic H: Peak Hour L: Non-Peak Hour
  • 23. www.asiapay.com © 2016 AsiaPay Limited. All Rights Reserved. ConfidentialVersion: 2016.02.v1Version: 2017.02.v1 23 ePayAlert (Intelligent Fraud Management System) ePayAlert is a real-time fraud and risk and monitoring system that detects and prevent online fraud Benefits: • Prevent fraud • Increase revenue • Protect reputation • Save time • Reduce costs Comprehensive Tools on: • Parameter format checking • Blacklist control • Geographical checking • Velocity checking • Transaction limit checking • Historical negative record checking • Risk scoring
  • 24. www.asiapay.com © 2016 AsiaPay Limited. All Rights Reserved. ConfidentialVersion: 2016.02.v1Version: 2017.02.v1 24 Installment Payment Banks and merchants will be able to extend the benefits of installment payment plans to credit cardholders who shops online. Benefits: • Flexible installment rates and fees • Increase On-Us transactions • Increase high-ticket purchases
  • 25. www.asiapay.com © 2016 AsiaPay Limited. All Rights Reserved. ConfidentialVersion: 2016.02.v1Version: 2017.02.v1 Hong Kong . Australia . China . India . Indonesia . Japan . Philippines . Singapore . Taiwan . Thailand . Vietnam . United Kingdom Value-Added Solutions 25
  • 26. www.asiapay.com © 2016 AsiaPay Limited. All Rights Reserved. ConfidentialVersion: 2016.02.v1Version: 2017.02.v1 26 SchedulePay is a recurring payments module that enables merchants to collect payments on monthly, quarterly or annual fees. Benefits: • Facilitate hassle-free recurring payments for your customers • Increase sales and payment capture efficiency, saving the effort of collecting individually • Meet customer expectation and enhance customer service satisfaction • Lower processing costs and payment acceptance risks SchedulePay (Recurring Payment Solution)
  • 27. www.asiapay.com © 2016 AsiaPay Limited. All Rights Reserved. ConfidentialVersion: 2016.02.v1Version: 2017.02.v1 27 SchedulePay - Recurring Payment Solution
  • 28. www.asiapay.com © 2016 AsiaPay Limited. All Rights Reserved. ConfidentialVersion: 2016.02.v1Version: 2017.02.v1 28 MemberPay implemented on a payment page Secure Tokenization / MemberPay Member Tokenization enables frequent and loyal online shoppers to make secure online payments via tokenization without the tedious process of entering their payment data every time they make an online purchase. It replaces sensitive customer information with a unique random generated values called “tokens”. Benefits: • Minimize lost sales due to customer frustration • Gain higher conversion rate • Provide convenience to customers • Gather customer insights • Easy to manage & secure transactions For the 2nd Payment : Card No and Expiry Date are NOT required
  • 29. www.asiapay.com © 2016 AsiaPay Limited. All Rights Reserved. ConfidentialVersion: 2016.02.v1Version: 2017.02.v1 29 EventPay is an online-based event booking engine which allows customer to easily and quickly pay for real-time event booking set by the merchant. Benefits: • Enhance payment experience by letting the customer to specify an event to pay for • Enhance payment reconciliation ease across events Select event in the drop-down menu EventPay
  • 30. www.asiapay.com © 2016 AsiaPay Limited. All Rights Reserved. ConfidentialVersion: 2016.02.v1Version: 2017.02.v1 30 Card Promotion Service allow merchants and banks to define their own promotional campaigns to their customers. Benefits • Encourage customers to shop more online • Customers can make online purchases at discounted rates using their credit cards • Make online shopping a lot more practical and convenient. Features • Customizable promotion rate • Customizable promotion dates • Multiple promotions support • Multi-language support • User-friendly and intuitive interface • Reporting tools PromoPay
  • 31. www.asiapay.com © 2016 AsiaPay Limited. All Rights Reserved. ConfidentialVersion: 2016.02.v1Version: 2017.02.v1 31 e-Voucher solution allow merchants to issue and broadcast different kinds of promotion e-Voucher to encourage customers to shop more online. Customers can make online purchases with the e-Voucher that making online shopping a lot more practical and convenient. Benefits: • Enhance sales and brand awareness • Save costs and overheads in printing and distribution printed voucher • Redemption checking in real time error-free For this case, the original amount of the transaction is HKD 900. A customer use an e-Voucher to enjoy a 20% discount for the payment. Enter Coupon Code and click ‘APPLY’ Discount being applied e-Voucher will be shown after verification Sample of the e-Voucher e-Voucher
  • 32. www.asiapay.com © 2016 AsiaPay Limited. All Rights Reserved. ConfidentialVersion: 2016.02.v1Version: 2017.02.v1 32 Batch PayOut Batch PayOut is an electronic fund transfer service that provides companies and individuals with a payment disbursement facility for domestic electronic funds transfer in local currency. Benefits: • Safe and secure fund transfers between sender and beneficiaries • Reduced overhead costs on processing and reporting • Save time compared to using other manual payout processes • Enjoy lesser paper works and manual approval • Accurate transfer of funds
  • 33. www.asiapay.com © 2016 AsiaPay Limited. All Rights Reserved. ConfidentialVersion: 2016.02.v1Version: 2017.02.v1 33 PayCart PayCart is an internet-based shopping platform which helping new interested merchant to join the online sales channel in a effective way. Benefits: • Time to market • Easy to set-up • User friendly navigation along product selection and aggregation • Flexible delivery costing scheme setup and total cost calculation • Comprehensive delivery detail capture user friendly product and purchase order administration • Seamless integration with payment service • Multi-lingual and currency support • Supported open source shopping cart platforms
  • 34. www.asiapay.com © 2016 AsiaPay Limited. All Rights Reserved. ConfidentialVersion: 2016.02.v1Version: 2017.02.v1 34 1. Add Event 2. View / Update Event 3. Online Enrolment Event Administrator 5. Receive offline enrolment request EventAdminOnlineRegistration/AttendancePaymentGateway System workflow of Online Registration Management System Member 4. Pay by Credit Card (Authorize) Member 6. Offline Enrolment 7. Confirm Enrolments 8. Confirm Payment 9. Export Event/Enrolment to Attendance Sys 10. Check-in / Check out 11. Import Attendance Record 12. Calculate Unit 13. View Report 14. Confirmation ORMS ORMS is a web-based event registration and payment processing platform for managing online registrations. Benefits: • Enjoy faster time to market • Enhance signup effectiveness • Enjoy productivity and cost savings with automated registration and payment processing • Enjoy low cost of ownership and high ROI
  • 35. www.asiapay.com © 2016 AsiaPay Limited. All Rights Reserved. ConfidentialVersion: 2016.02.v1Version: 2017.02.v1 35 HRMS HRMS is a web-based hotel reservation and payment processing platform to accept and manage online reservations. Benefits: • Hotels can accept and manage reservations and payments online anytime, anywhere • Provide convenient payment choices • Enjoy time to market with minimal setup • Enjoy productivity and cost savings • Enhance hotel image & competitiveness
  • 36. www.asiapay.com © 2016 AsiaPay Limited. All Rights Reserved. ConfidentialVersion: 2016.02.v1Version: 2017.02.v1 36  Award-winning One-stop Payment Management Single platform for multi-card, multi- currency, mutli-acquirier processing and settlement controls  Comprehensive Payment Coverage Widest range of credit , debit payment options and acquirers, covering 50%+ banks and payment brands  Multiple Payment Channel Capability Support online, phone order and mail order, retail outlets, kiosk, smart phones…etc  Comprehensive Risk and Anti-Fraud controls PCIDSS compliant since 2006, with built-in anti-fraud and risk management system  Robust and Certified Technology 3-D Secure n eWallet Vendor for VISA, MasterCard, American Express and JCB in Asia  Reliable and High Availability High service level and availability over 99.9%  Flexible and Highly Customisable Customizable online and mobile payment interfaces and valueadd modules  Extendable and Expandable Diverse value-added services such as Promotion Payment, Tokenization, Recurring Payment etc  Proven Track Record and Solid Industry Expertise 11-year + regional experience in ePayment industries serving thousands MNCs & SMEs  Broadest World-class Enterprise Service in 11 countries in Asia Professional technical support and quality local merchant service across 12 operations in Asia Competitive Advantages
  • 37. www.asiapay.com © 2016 AsiaPay Limited. All Rights Reserved. ConfidentialVersion: 2016.02.v1Version: 2017.02.v1 37 Trusted and Professional Gateway Partner Top 11 Common Selection Criteria by Leading eCommerce Clients Data Security PCIDSS Level 1 since 2006 Transaction Speed and Performance Mostly from 3 sec. (subject to bank and network) Reliability ~ 100% accuracy Service Availability (Uptime) / HA > 99.9% Payment Approval Rate Could up to 85% - 90% Fraud Mitigation and Advisory Lower to < 0.2%-0.5% Country and Payment Method Extendibility Over 11 countries n 80 payments Feature Expandability Over 30 VA services CB / Account Service, and emergency support 7 x24 technical local 10. Track Record and experience 16 years in ePayment 11. Comprehensive, easy one-stop Integration As little as 1 day Remarks: For reference only
  • 38. www.asiapay.com © 2016 AsiaPay Limited. All Rights Reserved. ConfidentialVersion: 2016.02.v1Version: 2017.02.v1 38 Competitive Advantages Enhance Sales n Service Potential Incremental Revenue Expanded payment options 3 - 10% Minimize drop-out with optimized processing time and throughput (3-9 seconds) x % Enhanced uptime and minimal sales loss during gateway outage y % Optimized approval rate 3 - 10% Enhanced problem solving turnaround time with 7x24 support Save Costs n Risks Payment Cost Saving Out of Revenue Lower effective MDR with local acquiring and DCC/MCP 0.2 - 1% Lower transaction fee/costs especially with AFP 0.2 - 1% Save chargeback risks / losses with enhanced authentication (3-D Secure) and support 0.1 - 0.5% Minimize financial loss with integrated effective fraud-prevention tools 0.2 - 2% Save substantial IT overheads on payment integration and migration 0.1 - 0.2% Minimize data vulnerability security risks with PCI –compliant support Tax savings due to local acquiring
  • 39. www.asiapay.com © 2016 AsiaPay Limited. All Rights Reserved. ConfidentialVersion: 2016.02.v1Version: 2017.02.v1 39 Comparison with Bank direct AsiaPay Bank Application and Deposit Relatively simple Complicated. Deposit requirement Refund and Consolidated Settlement Handled by AsiaPay Handled by merchant Integration Methods Client post, server post and hosted payment page support Limited Integration Testing Testing account and testing support Limited Multi-currency / Currency Conversion Support up to 126 currencies Limited Multi-channel Integrated processing across online, mobile, call centre, MOTO, retail, etc. Limited Multi-lingual Up to 12 languages in Asia and global market Multi-payment Methods Comprehensive coverage of credit cards, local debits and other alternative payments in Asia Limited to credit cards only Fraud Prevention Tools Built-in intelligent fraud management system, 3-D Secure, CVV authentication Limited Security Tools Tokenization Limited Reports Comprehensive dynamic reportings Limited to static report Local Support 7 x 24 emergency technical support Experienced and professional teams for best practice advice Limited Customization Ease High and dynamic Limited Expandability Expanded to new payment methods, channels, plug-ins Limited
  • 40. www.asiapay.com © 2016 AsiaPay Limited. All Rights Reserved. ConfidentialVersion: 2016.02.v1Version: 2017.02.v1 40 Comparison with other PSPs AsiaPay Other PSPs Experience in Asia Since 2000 Less experienced Compliance PCIDSS Level 1 compliant since 2006 Limited Certification Certified TPP/IPSP/PF and 3-D Secure Vendor Limited Awards Award-winning gateway Limited Multi-channels Online, mobile, MOTO, call centre, IVRS, retail..etc Mostly online Payment Options One-stop comprehensive credit card, debit and cash payment in Asia Limited Multi-lingual / Currencies Up to 12 international languages and around 126 choices of currencies Limited Payment Solutions BatchPay / Card Promotion Payment / Member Payment Dynamic Currrency Conversion (DCC) / MCP / EventPay Installment Payment / Cash Dollar Redemption / Recurring Payment Mobile Payment (mPOS plus) / QRPay / RetailPay Limited Fraud and Security Solutions - Built-in intelligent fraud management tools and reports - 3-D Secure, CVV authentication, tokenization Limited. Account may be frozen Settlement Direct daily settlement by bank or twice per month via AsiaPay Settlement by payment company only Reports and Analyser Comprehensive real-time dynamic and user-friendly reports for online view and download Basic static report only Merchant Service and Technical Support - 7x24 technical support - Dedicated professional account service and best practice advice Limited Settlement / Cross-border Fee No Extra fee for settlement and cross-border
  • 41. www.asiapay.com © 2016 AsiaPay Limited. All Rights Reserved. ConfidentialVersion: 2016.02.v1Version: 2017.02.v1 41 “…certified PayDollar PayGate….our merchants can adopt their payment solution to talk with our infrastructure to process online Visa, MasterCard and Diners transactions in a secure and reliable topology…” - Citibank HK “…We find the gateway being highly secure, reliable and function-rich. The functionalities and performance has been well received and satisfied by our staff operating the gateway with the ease of operations and differentiated features…” - FuBon Bank “…decided to switch to AsiaPay to achieve cost savings and improved availability….We have not only attained significant cost savings, but also substantially enhanced our services our customers with more payment options with enhanced security,….appreciate their tireless efforts in meeting our needs and proactiveness in adding value to their services…” - SaSa.com (largest listed cosmetic and healthcare Group in HK) “We find the gateway being highly secure and reliable. The functionalities and performance has been well received and satisfied by our staff operating the gateway with the ease of operations and differentiated features.” - Finance Director, Westminster Travel Limited “The Empire Hotels and Resorts was the first among Hong Kong’s hotels to engage AsiaPay as a provider of the hotel group’s internet payment gateway on the strength of AsiaPay’s established presence in Hong Kong and Asia and its expertise in this specialized technology.” -Group Director of Communications, The Empire Hotels & Resorts Testimonial
  • 42. www.asiapay.com © 2016 AsiaPay Limited. All Rights Reserved. ConfidentialVersion: 2016.02.v1Version: 2017.02.v1 42 Market Recognition Business Awards Payment Technology and Service Awards SME Cloud Promotion Campaign Best SME Cloud Solutions Award by HKSAR Office of the Government Chief information Officer, 2015 25 Most Promising Banking & Software Solution Providers 2016 by APAC CIO Outlook Magazine, 2016 CNP Awards: Best CNP Program Outside the U.S. - Customer Choice by CNP Expo, 2013 Deloitte Technology Fast 500: Asia Pacific 2010 Winner by Deloitte, 2010 Best SME Partners Award: The Best Online Payment Platform by Economic Digest, 2011 The Best Payment Product by the 2010 China Information Security Conference, 2010 Hong Kong ICT Awards: Best Collaboration Award (Overseas Market) Silver Award by Hong Kong Software Industry Association, 2009 The most valuable cross border e-commerce Provider 2015 Awards by IEBE, 2016 2015 China I + Finance Industry Top 10 Enterprises Award by Electronic Commerce Association, 2015 Mediazone's Most Valuable Services Awards in Hong Kong by Mediazone Ltd, 2014 Hong Kong Business Awards: SME Award by DHL & SCMP, 2011 Best Company of the Year for Electronic Payment Solutions & Innovation / Regional Award by IAIR Group, 2016 10th International APICTA Awards: Best of Financial Applications (Merit Award) by APICTA, 2010 e-brand awards: Best of Online & Mobile Payment Service Award by e-zone, 2016 Global Banking & Finance Review Awards: Best Payment Solutions Provider Pan Asia by GBAF Publication, 2015 Prime Award for Banking & Finance: The Best E-Payment Platform by Metrobox, 2011 Version: 2016.05.v1 Gold Internet Finance Solution Provider by iProA, 2016 Supreme Brand Awards 2016 by CAPITAL CEO, 2016 Red Herring Top 100 Global Winner by Red Herring, 2015, 2013 Certifications Payment Card Industry Data Security Standard (PCIDSS) Compliance since 2006 HSBC Living Business Award: People Caring (Merit Award) by HSBC, 2010-13 Hong Kong Awards for Environmental Excellence by Environmental Campaign Committee, 2009-13 Social Responsibility Awards Certified 3-D Secure Vendor Biz.IT Excellence 2016 by PCM, 2016
  • 43. www.asiapay.com © 2016 AsiaPay Limited. All Rights Reserved. ConfidentialVersion: 2016.02.v1Version: 2017.02.v1 43 Thank you for your time