The document summarizes IBM Payments Gateway, a payment processing solution that allows merchants to accept more payment options. It discusses how evolving customer preferences are changing payments and creating challenges for merchants. IBM Payments Gateway aims to help merchants overcome issues like cart abandonment by offering over 170 payment methods across devices and channels. It also helps streamline reconciliation and reduce costs through features like automated payment routing and fraud analysis. The solution is deployed globally and used by various industries to improve sales and customer experiences.
A Complete Model of the Payment Service BusinessFrank Steeneken
This slide deck provides a complete picture of the underlying skeletal structure that holds every payment service business together while achieving its goals.
The model introduces a comprehensive framework for managing the complexity of the payment service business structure, and a reusable blueprint for visualizing how a payment service business enterprise actually does business. The model’s clearly-defined core-processes and their functions provide a powerful baseline for improving business performance.
By viewing the payment service business as a single system, fully independent of its implementation, the nature of its underlying core processes becomes clear. Then by managing and improving them as parts of a single system, substantial improvements can be made on critical success factors.
A Complete Model of the Payment Service BusinessFrank Steeneken
This slide deck provides a complete picture of the underlying skeletal structure that holds every payment service business together while achieving its goals.
The model introduces a comprehensive framework for managing the complexity of the payment service business structure, and a reusable blueprint for visualizing how a payment service business enterprise actually does business. The model’s clearly-defined core-processes and their functions provide a powerful baseline for improving business performance.
By viewing the payment service business as a single system, fully independent of its implementation, the nature of its underlying core processes becomes clear. Then by managing and improving them as parts of a single system, substantial improvements can be made on critical success factors.
How does an online payment gateway work? What important features do reliable payment gateways have? What should merchants look for in payment gateways? Learn these and other answers from our guide - https://goo.gl/PtDiqj
Start accepting payments on your website →→→ https://bit.ly/2xIN1Oj
Peter Afanasiev - Architecture of online PaymentsCiklum Ukraine
Payment Service Providers
Merchant Payment Systems
General architecture of a Payment System
Know-hows:
Payment queues with MSSQL Broker
Adapter Polymorphism
Tracing in Service Oriented World
Dynamic configuration editor with ASP.Net MVC
Wallet Factory platform is a constructor for a wide range of use cases:
- Launching digital banking for traditional banks and credit unions (white-label mobile and web apps and integration with banking core system);
- Enabling extra revenue sources for telecom operators, e.g. P2P, service catalogues, money transfers etc. (e-wallet processing and a mobile app);
- Setting up loyalty\payments system for retailers etc. (e-wallet processing and mobile app, alongside with the loyalty platform).
A Payment Gateway is an ecommerce application that authorizes payments for e-business, online retailers etc. Analogy of payment is cash counters which are located in the retail outlets. Payment gateways encrypt sensitive information such as credit card numbers to ensure that information passes securely between the customer and the merchant.
Digital Banking - Industry Trends for Customer ServiceGianluca Ferranti
Consumers’ attitude and benefits of digital banking
Importance of real-time customer interaction in digital banking
Video Banking goes Prime Time
The opportunity for video-enabled interaction to transform retail banking
apidays LIVE Singapore - Open Banking: A foundation for the new world by Bhar...apidays
apidays LIVE Singapore - Connected Commerce
Open Banking: A foundation for the new world
Bharat Bhushan, CTO - Banking and Financial Markets, EMEA, Technical Leadership Team, IBM Academy of Technology
Open Banking - Opening the door to Digital Transformation WSO2
The open data era is just beginning in Australia. While the main purpose of the Consumer Data Right is to provide consumers, better control over their data, it is also paving the way for banks and financial institutions to step into newer business models through digital transformation. This talk will detail how banks stand to benefit from an open data ecosystem with a winning strategy and the right tools to achieve it. It will discuss the following topics:
The journey from Open APIs to Open Banking - An ecosystem for digital transformation
Building an open banking strategy for long term success
Realising the digital transformation opportunities of Open Banking
A very understanding presentation about Payment Gateways .
A Payment Gateway is an E-commerce Application service provider. Service that authorises payments for E-business.
please check my slide for further study.
WSO2 Open Banking: Digital Transformation Through PSD2WSO2
If you are a financial institution in Europe, you would be in one of three places when it comes to PSD2: ready to take PSD2 by the horns, making some progress with compliance but still trying to understand the big picture, or unsure of where to start.
The good news is that it doesn’t matter where you’re at. WSO2 Open Banking offers a solution that addresses all compliance requirements. It doesn’t stop there. It can open up your business to broader revenue generation opportunities through PSD2 in the context of digital transformation.
Join Seshika Fernando, head of financial solutions at WSO2 as she explores
The role of PSD2 in redefining banking as we know it.
The core capabilities of WSO2 Open Banking including the WSO2 API Management platform that enables opening APIs in a secure and controlled manner.
How WSO2 Open Banking can support your technology infrastructure for capabilities beyond banking.
A demonstration of the solution - https://wso2.com/solutions/financial/open-banking/
Sameer is a digital strategist focusing on removing friction across Banks, NBFCs, Fintechs and Software providers. He is working with Financial Institutions for establishing their digital strategy in alignment with business strategy. The digital strategy would generate value through increase in digital footprint / revenues / cross-sell. This would also reduce costs through productivity gains, automation and process realignment. Digital initiatives as part of strategy would include loan origination, Cross sell platform, Omnichannel platform, Analytics & AI, Mobility and Fintech tie-ups.
This deck is part of his open innovation approach. This can be used by anyone.
More and more customers are seeing mobile as their banking channel of choice, proven by a growing body of papers. To cite some, Cimigo revealed that for every 10 respondents who are Vietnamese consumers, 3 are using some forms of e-payments including mobile banking application and e-Wallet. Or Backbase predicted that mobile transactions in Vietnam will increase by 300% between 2021 and 2025, driven by mobile payments. As banks build more creative features and integrate with third-party financial products, mobile banking application is no longer a tool for remote money transaction; it has become a financial lifestyle platform that offers a single hub for all banking services. In this article, we get to explore various innovative features that a bank might consider for its mobile banking application, with the goal to keep up with the Digital Banking upsurge.
How does an online payment gateway work? What important features do reliable payment gateways have? What should merchants look for in payment gateways? Learn these and other answers from our guide - https://goo.gl/PtDiqj
Start accepting payments on your website →→→ https://bit.ly/2xIN1Oj
Peter Afanasiev - Architecture of online PaymentsCiklum Ukraine
Payment Service Providers
Merchant Payment Systems
General architecture of a Payment System
Know-hows:
Payment queues with MSSQL Broker
Adapter Polymorphism
Tracing in Service Oriented World
Dynamic configuration editor with ASP.Net MVC
Wallet Factory platform is a constructor for a wide range of use cases:
- Launching digital banking for traditional banks and credit unions (white-label mobile and web apps and integration with banking core system);
- Enabling extra revenue sources for telecom operators, e.g. P2P, service catalogues, money transfers etc. (e-wallet processing and a mobile app);
- Setting up loyalty\payments system for retailers etc. (e-wallet processing and mobile app, alongside with the loyalty platform).
A Payment Gateway is an ecommerce application that authorizes payments for e-business, online retailers etc. Analogy of payment is cash counters which are located in the retail outlets. Payment gateways encrypt sensitive information such as credit card numbers to ensure that information passes securely between the customer and the merchant.
Digital Banking - Industry Trends for Customer ServiceGianluca Ferranti
Consumers’ attitude and benefits of digital banking
Importance of real-time customer interaction in digital banking
Video Banking goes Prime Time
The opportunity for video-enabled interaction to transform retail banking
apidays LIVE Singapore - Open Banking: A foundation for the new world by Bhar...apidays
apidays LIVE Singapore - Connected Commerce
Open Banking: A foundation for the new world
Bharat Bhushan, CTO - Banking and Financial Markets, EMEA, Technical Leadership Team, IBM Academy of Technology
Open Banking - Opening the door to Digital Transformation WSO2
The open data era is just beginning in Australia. While the main purpose of the Consumer Data Right is to provide consumers, better control over their data, it is also paving the way for banks and financial institutions to step into newer business models through digital transformation. This talk will detail how banks stand to benefit from an open data ecosystem with a winning strategy and the right tools to achieve it. It will discuss the following topics:
The journey from Open APIs to Open Banking - An ecosystem for digital transformation
Building an open banking strategy for long term success
Realising the digital transformation opportunities of Open Banking
A very understanding presentation about Payment Gateways .
A Payment Gateway is an E-commerce Application service provider. Service that authorises payments for E-business.
please check my slide for further study.
WSO2 Open Banking: Digital Transformation Through PSD2WSO2
If you are a financial institution in Europe, you would be in one of three places when it comes to PSD2: ready to take PSD2 by the horns, making some progress with compliance but still trying to understand the big picture, or unsure of where to start.
The good news is that it doesn’t matter where you’re at. WSO2 Open Banking offers a solution that addresses all compliance requirements. It doesn’t stop there. It can open up your business to broader revenue generation opportunities through PSD2 in the context of digital transformation.
Join Seshika Fernando, head of financial solutions at WSO2 as she explores
The role of PSD2 in redefining banking as we know it.
The core capabilities of WSO2 Open Banking including the WSO2 API Management platform that enables opening APIs in a secure and controlled manner.
How WSO2 Open Banking can support your technology infrastructure for capabilities beyond banking.
A demonstration of the solution - https://wso2.com/solutions/financial/open-banking/
Sameer is a digital strategist focusing on removing friction across Banks, NBFCs, Fintechs and Software providers. He is working with Financial Institutions for establishing their digital strategy in alignment with business strategy. The digital strategy would generate value through increase in digital footprint / revenues / cross-sell. This would also reduce costs through productivity gains, automation and process realignment. Digital initiatives as part of strategy would include loan origination, Cross sell platform, Omnichannel platform, Analytics & AI, Mobility and Fintech tie-ups.
This deck is part of his open innovation approach. This can be used by anyone.
More and more customers are seeing mobile as their banking channel of choice, proven by a growing body of papers. To cite some, Cimigo revealed that for every 10 respondents who are Vietnamese consumers, 3 are using some forms of e-payments including mobile banking application and e-Wallet. Or Backbase predicted that mobile transactions in Vietnam will increase by 300% between 2021 and 2025, driven by mobile payments. As banks build more creative features and integrate with third-party financial products, mobile banking application is no longer a tool for remote money transaction; it has become a financial lifestyle platform that offers a single hub for all banking services. In this article, we get to explore various innovative features that a bank might consider for its mobile banking application, with the goal to keep up with the Digital Banking upsurge.
PayNet provide white labelled digital banking platform to enable use case like Deposits, Lending and Payments
We have ready-to-use modules :
- Prepaid cards
- Loan Management and Origination
- Digital Account Opening
- Customer On-boarding
- Open API Platform
- Digital Wallets
- Payments and Collections
- Loyalty Module
- Corporate and Mobile Banking
Digital Onboarding Made Easy with the Inception of AI-Based AlgorithmsSignzy
Today, customer's demands are increasing continuously for better digital banking experiences as they get in other industries. There are some reasons in which banks can focus to revolutionize the onboarding experience such as Digitize processes, indeed, Allow customers to bank anytime, Collect data once and Personalize experiences. for more details, visit Signzy today!
Expanding Customer Base through an Increasingly Interconnected EconomyJeff Ng
Analysts are predicting a continual shift to online commerce, while the consumer confidence is declining amidst global trade and stock. Competition has never been tougher. A silver lining is the HKSAR and HKMA's drive to leverage technology - Open API for Banking, Virtual Banking, IoT, AI - which will create an Interconnected and shared Data economy. The session speaker will discuss (1) how these (seemingly finance) initiatives will actually impact the cross industries, what it means to the customers and to the Retail business, across the local, Greater Bay Area, mainland and global consumer markets; and (2) in today’s world of ever-expanding interconnectivity, what Enterprises can do today to get on the wagon - if not already- to develop a new business model in today’s digital economy, while preserving security.
https://live.insideretail.hk/retail-marketing-class-2/
DigiPay.guru is boosting the digital revolution by helping startups and enterprises to digitize their business with its top-notch digital payment solutions.
Digipay.guru Empowering fintech innovators.pdf
What Is Mobile App Payment Gateway Integration - consumer-sketch.pptxConsumer Sketch
Hire an expert mobile application development company to develop fast and secure mobile app payment gateway integration for your business mobile application services.
Accelerate cash flow and reduce costs with digital paymentsEmagia
Accelerate cash flow and reduce costs with digital payments
https://www.emagia.com/resources/ebooks/accelerate-cash-flow-and-reduce-costs-with-digital-payments/
07 factors to consider while choosing an ecommerce payment gatewaySnehaDas60
As we all know, ecommerce portal conversion rates fall as a result of a lack of research when choosing a payment gateway.There are plenty of advance payment channels now that internet commerce has taken over the globe. Choosing the most potent ones, on the other hand, is essential to making the most of it.
For those who have a good understanding of payment gateways, let's look at the important elements to consider when selecting one for your eCommerce site.
Read more......
10 Best Magento 2 Payment Gateways to Use in Your Store in 2023.pdfMagento India
Multiple payment integration is a crucial part of Magento's eCommerce design and development. It not only offers convenience to merchants and customers but also encourages customers to make more purchases. However, it is important to choose the right payment methods to ensure a secure and seamless checkout process for customers. We hope this blog post helps you choose the most suitable Magento 2 payment gateways for your online store.
You can always hire Magento 2 developers at Magento India if you’re new to Magento payment gateway setup and integration. Read more at: https://bit.ly/3XN1uPw
Digital Invoicing & Digital Payments | Emagia Digital Invoicing Software | Di...emagia
Digital Invoicing & Digital Payments
2021 Big Year for Digital Invoicing and Digital Payments
The movement toward working from home has exposed the inefficiencies associated with paper invoices and paper checks in the B2B space. Banks were closed. Paper invoices and checks delivered to offices sat in unopened envelopes. Thus, the pivot to digital B2B invoicing and digital payments became an immediate priority for businesses.
Digital Invoicing (aka E-invoicing and E-billing) is electronic delivery of an invoice to a customer (vs paper invoice sent via Postal Service) by email, SMS, portal, EDI and other electronics channels.
Most Digital Invoicing applications include added functionality: (a) pull in data required for invoice from ERP for automated production of invoice, (b) include Credit/Debit adjustments, (c) electronic distribution and tracking (d) reminders and dunning
Digital Payments, aka Real Time Payments (RTP), and “Frictionless Digital Payments” are electronic payments that transfer funds and remit advice
Digital Payments are made directly between buyer and seller through a direct, secure, payment gateways using credit card, direct ACH debit or credit, wire, direct transfer on an Account to Account (A2A) basis.
Digital Invoicing & Digital Payments Synergy
Digital Invoicing, Digital Payments, and a Customer Care Portal are most powerful when offered together
The combination is appealing to small and medium size B2B customers & B2C customers to deal with the invoice review & pay. Stripe claims 75% of invoices it delivers on behalf of its clients are paid same day!
A Customer EIPP Portal facilitates the end-to-end transaction: (a) enabling the payment and (b) providing access to the invoices and statement of account (c) providing digital assistant for 24x7 account enquiry
Payments can be made via a wide range of mobile devices
All Invoicing and payment data is captured
Digital Invoicing
The Imperatives of Invoicing:
a. Accuracy (99+%)
b. Delivery in prescribed method (email, SMS, portal)
c. Meet customer’s invoicing requirements: information & format
d. Many European & LatAM govts require e-invoicing
Digital Invoicing achieves high accuracy by extracting invoice data from ERP, eliminating human error, deliver invoices electronically in multiple ways
Icp Introduction To E Commerce Merchants September2009 Slide Sharemattmullen
ICP offers ecommerce merchants a solution to reduce payment acceptance costs and improve the experience of their customers. Visit www.cardpresent.net to learn more.
UiPath Test Automation using UiPath Test Suite series, part 3DianaGray10
Welcome to UiPath Test Automation using UiPath Test Suite series part 3. In this session, we will cover desktop automation along with UI automation.
Topics covered:
UI automation Introduction,
UI automation Sample
Desktop automation flow
Pradeep Chinnala, Senior Consultant Automation Developer @WonderBotz and UiPath MVP
Deepak Rai, Automation Practice Lead, Boundaryless Group and UiPath MVP
Slack (or Teams) Automation for Bonterra Impact Management (fka Social Soluti...Jeffrey Haguewood
Sidekick Solutions uses Bonterra Impact Management (fka Social Solutions Apricot) and automation solutions to integrate data for business workflows.
We believe integration and automation are essential to user experience and the promise of efficient work through technology. Automation is the critical ingredient to realizing that full vision. We develop integration products and services for Bonterra Case Management software to support the deployment of automations for a variety of use cases.
This video focuses on the notifications, alerts, and approval requests using Slack for Bonterra Impact Management. The solutions covered in this webinar can also be deployed for Microsoft Teams.
Interested in deploying notification automations for Bonterra Impact Management? Contact us at sales@sidekicksolutionsllc.com to discuss next steps.
JMeter webinar - integration with InfluxDB and GrafanaRTTS
Watch this recorded webinar about real-time monitoring of application performance. See how to integrate Apache JMeter, the open-source leader in performance testing, with InfluxDB, the open-source time-series database, and Grafana, the open-source analytics and visualization application.
In this webinar, we will review the benefits of leveraging InfluxDB and Grafana when executing load tests and demonstrate how these tools are used to visualize performance metrics.
Length: 30 minutes
Session Overview
-------------------------------------------
During this webinar, we will cover the following topics while demonstrating the integrations of JMeter, InfluxDB and Grafana:
- What out-of-the-box solutions are available for real-time monitoring JMeter tests?
- What are the benefits of integrating InfluxDB and Grafana into the load testing stack?
- Which features are provided by Grafana?
- Demonstration of InfluxDB and Grafana using a practice web application
To view the webinar recording, go to:
https://www.rttsweb.com/jmeter-integration-webinar
State of ICS and IoT Cyber Threat Landscape Report 2024 previewPrayukth K V
The IoT and OT threat landscape report has been prepared by the Threat Research Team at Sectrio using data from Sectrio, cyber threat intelligence farming facilities spread across over 85 cities around the world. In addition, Sectrio also runs AI-based advanced threat and payload engagement facilities that serve as sinks to attract and engage sophisticated threat actors, and newer malware including new variants and latent threats that are at an earlier stage of development.
The latest edition of the OT/ICS and IoT security Threat Landscape Report 2024 also covers:
State of global ICS asset and network exposure
Sectoral targets and attacks as well as the cost of ransom
Global APT activity, AI usage, actor and tactic profiles, and implications
Rise in volumes of AI-powered cyberattacks
Major cyber events in 2024
Malware and malicious payload trends
Cyberattack types and targets
Vulnerability exploit attempts on CVEs
Attacks on counties – USA
Expansion of bot farms – how, where, and why
In-depth analysis of the cyber threat landscape across North America, South America, Europe, APAC, and the Middle East
Why are attacks on smart factories rising?
Cyber risk predictions
Axis of attacks – Europe
Systemic attacks in the Middle East
Download the full report from here:
https://sectrio.com/resources/ot-threat-landscape-reports/sectrio-releases-ot-ics-and-iot-security-threat-landscape-report-2024/
Smart TV Buyer Insights Survey 2024 by 91mobiles.pdf91mobiles
91mobiles recently conducted a Smart TV Buyer Insights Survey in which we asked over 3,000 respondents about the TV they own, aspects they look at on a new TV, and their TV buying preferences.
PHP Frameworks: I want to break free (IPC Berlin 2024)Ralf Eggert
In this presentation, we examine the challenges and limitations of relying too heavily on PHP frameworks in web development. We discuss the history of PHP and its frameworks to understand how this dependence has evolved. The focus will be on providing concrete tips and strategies to reduce reliance on these frameworks, based on real-world examples and practical considerations. The goal is to equip developers with the skills and knowledge to create more flexible and future-proof web applications. We'll explore the importance of maintaining autonomy in a rapidly changing tech landscape and how to make informed decisions in PHP development.
This talk is aimed at encouraging a more independent approach to using PHP frameworks, moving towards a more flexible and future-proof approach to PHP development.
UiPath Test Automation using UiPath Test Suite series, part 4DianaGray10
Welcome to UiPath Test Automation using UiPath Test Suite series part 4. In this session, we will cover Test Manager overview along with SAP heatmap.
The UiPath Test Manager overview with SAP heatmap webinar offers a concise yet comprehensive exploration of the role of a Test Manager within SAP environments, coupled with the utilization of heatmaps for effective testing strategies.
Participants will gain insights into the responsibilities, challenges, and best practices associated with test management in SAP projects. Additionally, the webinar delves into the significance of heatmaps as a visual aid for identifying testing priorities, areas of risk, and resource allocation within SAP landscapes. Through this session, attendees can expect to enhance their understanding of test management principles while learning practical approaches to optimize testing processes in SAP environments using heatmap visualization techniques
What will you get from this session?
1. Insights into SAP testing best practices
2. Heatmap utilization for testing
3. Optimization of testing processes
4. Demo
Topics covered:
Execution from the test manager
Orchestrator execution result
Defect reporting
SAP heatmap example with demo
Speaker:
Deepak Rai, Automation Practice Lead, Boundaryless Group and UiPath MVP
The Art of the Pitch: WordPress Relationships and SalesLaura Byrne
Clients don’t know what they don’t know. What web solutions are right for them? How does WordPress come into the picture? How do you make sure you understand scope and timeline? What do you do if sometime changes?
All these questions and more will be explored as we talk about matching clients’ needs with what your agency offers without pulling teeth or pulling your hair out. Practical tips, and strategies for successful relationship building that leads to closing the deal.
2. MORE PAYMENT OPTIONS MEAN
MORE COMPLETED SALES.MORE COMPLETED SALES.
IBM PAYMENTS.
2
3. Digitally empowered customers are changing the
way commerce is done and while elusive they are
extremely valuable to merchants and billers
Evolving customer behaviors and
preferences create new consumer
payments challenges and opportunities
4/5 20% 56% 17%
customers dislike
the checkout
process because
it is inefficient or
inaccurate.1
of millennials
would shop with
a digital wallet via
mobile device,
even while
making in-store
purchases.1
of customers
abandoned their
shopping cart
due to concerns
over payments
security.3
of online shoppers
want to see a
variety of payment
options at
checkout.2
1 Cognizant, Getting personal with shoppers, The Cognizant UK Shopper Study, 2013, http://www.cognizant.com/InsightsWhitepapers/Cognizant-UK-Shopper-Study-2013.pdf
2 Milo Local Shopping, NO CART LEFT BEHIND: WHY SHOPPERS AREN’T FOLLOWING THROUGH ON ONLINE PURCHASES, 2013, http://www.columnfivemedia.com/work-items/infographic-no-cart-left-behind-why-shoppers-arent-following-through-on-
online-purchases
3 Statista, “Why do online shoppers leave without paying?” 2012, http://www.statista.com/statistics/232285/reasons-for-online-shopping-cart-abandonment/3
4. The vast majority of merchants agree that accepting a larger variety of payment
types would lead to more completed sales
56%
66%
53%
57%
Fewer barriers to
buying for customers
Reduced cart
abandonment
Expansion to new
geographies / regions
71%
5%
more
1%
more
2%514%
86%
45%
Slightly agree
41%
Significantly agree
8%
Neither agree or disagree
Advantages of More Payment Options for Consumers
51%
44%
geographies / regions
Greater sales in
existing geographies /
regions 47%
IT Decision
Maker
Business Decision
Maker
2%
more
-3%
less
Other / unknown -1%
less
1%
2%
4
514%
more think
variety leads
to more
sales
86%
2%
Slightly disagree
1%
Unknown
3%
Significantly disagree
Merchants Who Believe More Payment Options
Leads to More Completed Sales
2016 IBM Payments Merchant Study
5. Keeping up with security mandates and managing multiple payment solutions
impacts payment options and increases cost
The Average Number of Acceptance Solutions
Merchants Must Manage is 4.
45%
Slightly agree
41%
Significantly agree
86%
12%
18%
1%1%
One
5
Merchants Who Feel Maintaining Security
Compliance Prevents Them from Offering More
Payment Types
2016 IBM Payments Merchant Study
2%
Unknown
18%
Do not agree
86%
17%
26%
86%
managing 3 or
more payment
solutions
24%
Four
Two
Three
Five
Between Six and Ten
More than Ten
6. Most merchants indicate that the additional financial overhead prevents them from
adding more payment options for customers
The Average Number of Employees Managing
Reconciliation and Settlement for Merchants is 21.
71%
49%
Slightly
22%
Significantly
21%26 – 30 employees
26%16 – 20 employees
6
Merchants Who Feel Additional Financial Overhead
Prevents Them from Offering More Payment Types
2016 IBM Payments Merchant Study
71%
5%
Unknown
24%
Not Affected 14%
9%
8%
2%
16%6 – 10 employees
11 – 15 employees
21 – 25 employees
1 – 5 employees
> 30 employees
Unknown 3%
7. Eliminate Data
Exposure and
Privacy
Concerns
CISO
VP of Fraud Prevention
Director of Network Security
________________________
Reduced
Reconciliation
Complexity and
Cost
CFO
Executive Director of Payments
________________________
Deployment,
Growth and
Certification
Abstraction
CTO
VP of Payment Transactions
Director of B2B
________________________
Superior
Customer
Payment
Experiences
CMO
VP of e-Commerce
Director of Channel Sales
______________________
__
IBM Payments Gateway was designed increase opportunities for sales growth and
decrease resource and development costs.
Increase transaction rate
leverage by enabling
processing through
multiple banks while
reducing cost through
complex payments
reconciliation insight and
chargeback dispute
analysis.
Assist counter-fraud
activities with complex
multi-bank reconciliation
and dispute insights while
eliminating concerns of
data at rest, regulation
compliance and system
exposure.
ConcernsCost
Leverage the SaaS cloud
architecture to alleviate
time-to-market, scalability
and security concerns by
offloading the burden of
PCI-compliance, data
security and regulation
maintenance to IBM.
Abstraction Experiences
Offer customers frictionless
and secure payment options
across devices and channels,
reducing checkout
abandonment and
improving the entire
shopping experience with
over 170 payment methods
in over 70 countries to help
your business grow globally.
Better
payments.
Better
experiences.
7
9. A complete solution for online consumer payment acceptance
More payment options means
less cart abandonment and
increased sales.
More pre-integrated connections
means faster time to market.
Accept Connect
Stronger security and deeper
fraud analysis means more
trusted relationships.
Streamlined reconciliation and
least-cost-routing means better
margins.
ManageSecure
9
10. A truly global solution with locale-specific
currency and payment type support.
In use by manufacturers, credit
processors, retailers, consumer services
and telecoms around the world.
10
330+ TYPES
Large Payment Type VarietyGain Immediate Local Market Accessibility
95+ COUNTRIES
11. Tested and benchmarked to provide
exceptional performance when our clients
need it most.
Deployed on one of the world’s top 3
cloud platforms according to analysts
and researchers.1
BENCHMARKED
BEYOND 6,000 99.9992%
11
BEYOND 6,000
PAYMENTS PER
SECOND
1 Synergy, IBM, Amazon and Salesforce Lead in Cloud Infrastructure, 2014, https://www.srgresearch.com/articles/amazon-salesforce-and-ibm-lead-cloud-infrastructure-service-segments
99.9992%
UPTIME
Past 24 months
12. A consumer payment acceptance solution for retailers, merchants, and
billers
Pre-integrated to
hundreds of banks and
processors, IBM
automates payment
routing and secures
Payer
(Consumer)
Transaction
Acquirer
Payee
(Merchant)
Issuer
Processor
Instrument
Issuer
Network Acquirer
Processor
routing and secures
credentials across
digital channels.
12
Acceptance Technologies:
Payments Management:
Integrate through APIs to pre-integrated payment
methods, banks and processors around the globe.
A cloud-based payment management solution with one
view of payments and reconciliation across channels.
13. Acquirers/Issuers
Processors and
Third Party Providers
IBM Payments Gateway
Integration
APIs / HPP
PCI Data Vault
Tokenizer
in-app
online
in-store
Customer
Channels Merchant
web sites
mobile sites
call centers
IVR
mobile apps
agent cash ops
point of sale
order mgmt
{ JSON }
javascriptobjectnotation
Digital
Wallet
E-Cash
Virtual Terminal
/ Admin
330+ traditional and
alternative payment types
Customer Choice
IBM Payments Gateway solution capabilities overview
funds settlement
billing
logistics
credit mgmt
loyalty
ledger
AR
treasury
iOS android
Automated Payment
Reconcliation
Payment
Switch
Counter
Fraud
funds withdrawal
fulfillment
255+ pre-integrated banks
and processors
Instant Access
13
14. IBM Payments Gateway provides additional advanced integration capabilities
Multiple Web, API and App Integration Options
• APIs – Provide full control of payment GUI and user experience, a
RESTFul (JSON) HATEOAS interface. Ready for web 2.0 and HTML5
with PCI-DSS insulation and a full suite of transactions, for all
payment methods. Can be extended with full Android and iOS source
code libraries.
• Hosted Payment Page - Embeds “payment page” into merchants
{ JSON }
XML
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• Hosted Payment Page - Embeds “payment page” into merchants
commerce site to receive and store payment info (e.g. credit card #)
within a PCI compliant vault requiring no additional development.
Comprehensive Payments Insight and Control
• Technical Issues
• Entry point: 2nd Level Support Desk
• Escalation: Support Desk Manager / Duty Manager
• Business Related Issues
• Entry point: IPG Account Manager
• Escalation: IPG Operations Team Lead / PS Operations
Manager
{ JSON }javascript object notation
iOS android
15. Highly secure data vault in the cloud and tokenized communication means no
longer having to manage customer credit data and security headaches in house
PCI Data Vault with Tokenization
IBM Payments Gateway stores all payment information in a PCI
vault where the information is encrypted, protected by strict
access controls, and purged when no longer needed. The vault
includes a tokenization mechanism that works in all interface
modules, tools, feeds and reports. This enables centralization
and outsourcing the storage of all payment information to the
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and outsourcing the storage of all payment information to the
data vault.
Counter Fraud Prevention
• Address Verification Service (AVS) check
• Card Verification Code (CVC) check
• Card issuer and country check
• 3D secure cardholder authentication
• Dynamic security checks
16. IBM Payments Gateway provides complete reconciliation and insight into all
payments activity
Straight-Through Processing
Data feeds designed to lower manual workload and achieve
straight-through processing of payments.
• Automated closing and (re-)opening of accounts receivable
(A/R) records
• Automated posting of bank and processor fees
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• Automated posting of bank and processor fees
• Automated cash application and deposit forecasting
Lower Settlement Costs
Automated reconciliation of funds settlement combined with a
managed service, which handles exceptions and ensures proper
settlement on every transaction.
• Controls over lost settlements, fees and downgrades,
settlement timeliness, and foreign exchange
• Managed service to reduce operating costs
17. THE COMFORT OF EXPERIENCE
AND PROVEN RESULTS.AND PROVEN RESULTS.
IBM PAYMENTS.
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18. 600k
IBM Payments Gateway
A multi-national toy and board game company located in North
America was deploying a new online storefront solution for B2B
Better retailing
made with IBM
expected purchase transactions per year direct
to the consumer via the online channel
subsidiary companies leveraging the same
cloud-based payment system at checkout
America was deploying a new online storefront solution for B2B
and B2C sales. The company selected IBM Payments Gateway
to accept multiple credit/debit card, ACH and digital wallet
payment types along with a card-on-file solution to streamline
subsequent customer checkout experiences.
12
18
19. 35
IBM Payments Gateway
A large North American telecom provider was facing a cost-
prohibitive upgrade to its payments system to meet new
Better telecommunications
made with IBM
internal systems aggregated to provide omni-
channel support for payments
level of PCI compliance enabled via the cloud
without any capital costs and delays in time to
market
prohibitive upgrade to its payments system to meet new
regulatory requirements. They also wanted to reduce customer
friction when making payments. The cloud-based IPG provided a
PCI compliant solution and card-on-file services to meet all
mandates and increase customer satisfaction.
1
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20. 250k
IBM Payments Gateway
A European transportation agency needed an easier and simpler
way to let their residents pay for peak traffic driving and express
Better cities
made with IBM
vehicles/owners in use that have accounts
and need payments management
movements are tracked daily and
corresponding payments must be
processed when peak charges are
assessed
way to let their residents pay for peak traffic driving and express
lane surcharges which must be paid within 24 hrs of occurance.
The IPG solution expanded payment options to auto billing,
credit/debit card, IVR and SMS. The solution also simplified and
reduced fee collection costs as well.
450k
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21. 430
IBM Payments Gateway
A large European payments processor needed to develop a
strategy to compete in the digital wallet space against
Better financial services
made with IBM
million debit, credit pre-paid and commercial
cards issued in processors’ regional footprint.
banks and member cooperatives that now
have access to deliver a digital wallet solution
to their customers through the new service
strategy to compete in the digital wallet space against
competition like PayPal and Google Wallet for online, mobile and
NFC sales. The IPG solution was deployed to cardholders and
provides wallet services, payments gateway, merchant on-
boarding and hosted payment/checkout pages.
3700+
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22. IBM is dedicated to your success, in your industry
Unparalleled Industry
Expertise
Extensive Industry
Support Community
Significant Technical
Investment
• Accelerate solution design
and thorough business
process expertise
• Reduce project risk with
reusable implementation
patterns and support for
industry standards
• Extensive support, research
and domain leadership
across more than 40
industries and sectors
• IBM partners with the top
retailers, merchants and
billers in the world to invest
in innovative design,
functionality, and integration
• Dedicated resources within
Global Business Services
with an average of more
than 10 years of experience
• Services organization
closely aligned with software
products to effectively
translate technology into
business outcomes
• Over $3 billion invested in
the last 3 years in
Commerce to create a truly
smarter approach to
commerce
• Integrated products for easier
implementation and increased
speed to value
• Synchronized product
roadmaps across software
portfolio
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