PayEasy is a global provider of electronic payment solutions. It aims to become a leading provider in regions including the Middle East, North Africa, Europe, Asia, and North America. PayEasy offers secure payment processing services to financial institutions, retailers, and processors. Its solutions include credit card acquiring, payment processing, and robust risk management and fraud prevention tools.
PayEasy is a global provider of electronic payment solutions. It aims to be the leading payment services company in regions like the Middle East, Asia, and North America. PayEasy offers credit card acquiring, payment processing, and risk management and fraud prevention solutions. It has operations across multiple regions and works with banks, merchants, and payment processors to provide secure and reliable payment services.
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 payment gateway is an e-commerce application service provider that authorizes online payments for shopping carts. The payment process involves a transaction between a user and merchant. There are two types of accounts - a business account for the user and a merchant account for the owner. The payment gateway encrypts transaction details and passes them to the acquiring bank, then to the issuing bank, which approves or declines payment. The response is then sent back through the payment gateway to the merchant server and customer. Common payment gateways include PayPal, Authorize.Net, and Citrus Pay. Gateways provide security and allow credit card validation, processing, and reporting in real time. However, gateways also charge fixed monthly, percentage,
A payment gateway is a software that enables the secure transfer of transaction data between a merchant's website and an acquiring bank. It serves as an interface for processing online payments. Key characteristics of reliable payment gateways include strong data encryption, authorization request sending to verify funds and card validity, and order confirmation or cancellation processing. Payment gateways must comply with PCI DSS security standards to safely transmit sensitive cardholder information between merchants and banks for online purchase processing.
eCommerce Payment Gateways: An IntroductionAidanChard
This blog post gives an introduction to eCommerce payment gateways, including the most popular payment gateways, how a payment gateway works, and how you can use one properly.
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.
The document discusses payment gateways. It defines a payment gateway as an e-commerce service that authorizes payments for online retailers. It then describes how payment gateways work in 3 steps: (1) sensitive payment information is encrypted when submitted from the customer to the merchant's server and payment gateway; (2) the payment gateway passes the transaction details to the acquiring bank and issuing bank; (3) the banks process the transaction and send an encrypted response back to the customer via the payment gateway and merchant.
The document describes the online payment process for a merchant website. When a customer places an order, they are redirected from the merchant site to a payment gateway. The gateway then redirects the customer either to a credit/debit card payment page or to select a net banking option to provide payment details. The bank's payment module processes the transaction and sends a response back to the merchant site with a transaction reference and status code.
PayEasy is a global provider of electronic payment solutions. It aims to be the leading payment services company in regions like the Middle East, Asia, and North America. PayEasy offers credit card acquiring, payment processing, and risk management and fraud prevention solutions. It has operations across multiple regions and works with banks, merchants, and payment processors to provide secure and reliable payment services.
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 payment gateway is an e-commerce application service provider that authorizes online payments for shopping carts. The payment process involves a transaction between a user and merchant. There are two types of accounts - a business account for the user and a merchant account for the owner. The payment gateway encrypts transaction details and passes them to the acquiring bank, then to the issuing bank, which approves or declines payment. The response is then sent back through the payment gateway to the merchant server and customer. Common payment gateways include PayPal, Authorize.Net, and Citrus Pay. Gateways provide security and allow credit card validation, processing, and reporting in real time. However, gateways also charge fixed monthly, percentage,
A payment gateway is a software that enables the secure transfer of transaction data between a merchant's website and an acquiring bank. It serves as an interface for processing online payments. Key characteristics of reliable payment gateways include strong data encryption, authorization request sending to verify funds and card validity, and order confirmation or cancellation processing. Payment gateways must comply with PCI DSS security standards to safely transmit sensitive cardholder information between merchants and banks for online purchase processing.
eCommerce Payment Gateways: An IntroductionAidanChard
This blog post gives an introduction to eCommerce payment gateways, including the most popular payment gateways, how a payment gateway works, and how you can use one properly.
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.
The document discusses payment gateways. It defines a payment gateway as an e-commerce service that authorizes payments for online retailers. It then describes how payment gateways work in 3 steps: (1) sensitive payment information is encrypted when submitted from the customer to the merchant's server and payment gateway; (2) the payment gateway passes the transaction details to the acquiring bank and issuing bank; (3) the banks process the transaction and send an encrypted response back to the customer via the payment gateway and merchant.
The document describes the online payment process for a merchant website. When a customer places an order, they are redirected from the merchant site to a payment gateway. The gateway then redirects the customer either to a credit/debit card payment page or to select a net banking option to provide payment details. The bank's payment module processes the transaction and sends a response back to the merchant site with a transaction reference and status code.
Payment gateway/payment service providers and future trends in mobile payment...Danail Yotov
This document discusses payment gateways, processing of payments, and future trends in mobile payments. It provides an overview of how payment gateways facilitate transactions between merchants and banks. It describes how payments are processed, including encryption of data and authorization. It also discusses security measures like 3D Secure and PCI compliance. Finally, it outlines emerging technologies for mobile payments, including storing payment details on devices and using phones for contactless "tap and pay" transactions.
A payment gateway is an ecommerce service that processes credit card and other payments for online businesses. It works by encrypting payment information entered by customers and transferring it between payment portals like websites and banks. The gateway authorization process involves routing the transaction data through the merchant's processor, credit card association, and issuing bank to approve or deny the payment within seconds, though funds may take 1-2 days to be deposited. Payment gateways offer businesses security, simplicity, flexibility and other benefits for accepting electronic payments.
Trading Online – Getting started and how to grow your businessSecure Trading
- The document discusses getting started with online trading and growing an online business, covering topics like choosing a website, shopping cart, payment gateway, and addressing fraud and logistics concerns.
- It also discusses expanding business into Europe using alternative payment methods from countries like Germany, Netherlands, Austria and Belgium to access more customers and markets.
- SecureTrading is introduced as a payment service provider that can help with online payment processing and fraud prevention services.
This document provides an overview of payment gateways and systems. It discusses payment basics like issuers, acquirers, and processors. It describes how credit and debit transactions work through KNET in Kuwait. The document also outlines different types of payment providers for credit, debit, and processing services in Kuwait, including KNET, issuer banks, acquirer banks, and American Express. Finally, it discusses options for integrating payments and tips for choosing a payment provider.
Payment Gateway History: An interview with the InventorWayne Akey
Payment Gateways play an integral role in e-commerce and SAAS applications. Hear from Jeff Knowles-the inventor about the challenges and struggles of creating the first Payment Gateway.
India Swipe is a proposed payment gateway company with the objectives of offering services at reduced commission rates, making the payment process seamless for buyers, and collaborating with online retailers. The company plans to allocate 12 employees and expects setup costs of Rs. 51,32,000. It projects processing 1,00,000 transactions per month worth Rs. 5 crores in total, earning Rs. 5 lakhs in revenue monthly at a 1% commission rate. This would allow the company to break even within 12 months.
Payment Gateways in Kuwait - 2014 UpdateBurhan Khalid
This is my updated talk on payment gateway options available in Kuwait for 2014.
The talk was given at @sirdab_lab for the @startupq8 weekly coffee meetup.
This document discusses payment gateways and workflows in e-commerce. It defines key terms like payment gateway, workflow, triggers and events. It provides an overview of the eZ Authorize payment gateway extension for eZ Publish and demonstrates how to install and set up a payment gateway workflow using triggers and events. Examples of existing payment gateway extensions for eZ Publish are also listed.
This document outlines steps to test payment gateway functionality, including:
1. Gathering test credit card numbers and sandbox accounts for testing.
2. Understanding integration between payment gateway and application and testing parameters passed between them.
3. Checking successful retrieval of payment data by the application and error handling.
4. Verifying database entries for transactions, amounts, and errors.
5. Ensuring security measures are in place for transactions.
Find out how SecureTrading can help your business successfully trade online. We can help with all aspects of taking payments from processing transactions to counter-fraud services.
We don't just do credit and debit cards, but PayPal, Ukash and leading European methods such a ELV, Sofortuberweisung and iDeal.
- SecureTrading is a leading UK payment service provider established in 1997 that processes over 25 million transactions annually across various industries.
- They offer a range of payment processing and fraud prevention services including payment gateways, alternative payment methods, PCI compliance solutions, and reporting tools.
- SecureTrading has a fully redundant infrastructure and is PCI DSS Level 1 certified. They work with a variety of acquirers and support multiple payment types including credit cards, debit cards, and alternative payment methods.
- Several major UK companies were cited as clients that value SecureTrading's reliable service and responsive customer support.
This document provides an overview of card payment systems. It describes the simplified authorization flow when a customer makes a payment by credit or debit card, involving the merchant, acquirer/processor, payment brand, and issuer. It also discusses electronic data capture, the ISO 8583 financial transaction message format, magnetic stripe vs EMV chip cards, verification options, card not present transactions, card management systems, and the simplified settlement flow.
Understanding the Card Fraud Lifecycle : A Guide For Private Label IssuersChristopher Uriarte
With credit card fraud dramatically on the rise, particularly in the form of card-not-present (CNP) fraud across Internet and Mail Order/Telephone Order (MOTO) channels, it is important for private label issuers to understand the depth of this problem and how it affects their merchant portfolio and their ability to accept private label cards. Private label cards were often considered to be “low risk”, relative to traditional bank cards, but our current analysis has shown the contrary: fraudsters are increasingly using private label cards as the payment instrument in CNP channels and merchants are at great risk if specific strategies are not put in place to stop it.
We all know that fraud and chargebacks are harmful. But do you know how fraud and chargeback prevention works? How can you fight them effectively? Find all the answers in our complete guide to chargeback prevention - https://goo.gl/zR5L7g
Start accepting payments on your website →→→ https://bit.ly/2xIN1Oj
The document discusses chargebacks, which occur when a credit card transaction is reversed at the request of the cardholder or issuing bank. It provides information on the chargeback process and reasons for chargebacks such as fraudulent transactions or unsatisfactory purchases. The impacts on payment providers, merchants, and customers are described. Key steps in the chargeback process and what is required for merchants to reject a chargeback claim are outlined. The document also provides tips for merchants to avoid chargebacks by clarifying policies, order details, and responding promptly to issues or claims.
This document outlines Coowry's proposal to use mobile airtime as a new form of digital cash to enable micropayments. It notes that while the digital economy enables small transactions, current payment tools are not well-suited for transactions under $1. Coowry's solution would allow people to purchase digital goods and services, make donations, send gifts, and engage in peer-to-peer transfers using airtime credits. This would remove commissions and barriers to include the 70% of people without access to traditional financial tools. Examples of use cases including purchasing digital content, donations, gifts, and e-commerce purchases are described.
Many changes are being announced within the payment scheme rules, like those related to the transaction receipts and chip liability shift. Presentation will also give an insight to the MasterCard Dispute Resolution Initiative announcement as well as dispute-related hot topics and modification for AEIPS PIN transactions.
The document discusses requirements and guidelines for obtaining a prepaid payment instrument license from the Reserve Bank of India (RBI). It outlines the types of prepaid instruments that can be issued, capital requirements for different entities seeking a license, conditions for issuing prepaid payment instruments, documents required for the license application, advantages of prepaid wallets, and the period of validity for a prepaid wallet license.
PayEasy is a global provider of electronic payment solutions. It aims to be the leading payment services company in regions like the Middle East, Asia, and North America. PayEasy offers credit card acquiring, payment processing, and risk management and fraud prevention solutions. It has operations across multiple regions and works with banks, merchants, and payment processors to provide secure and reliable payment services.
Credit card processing
https://www.highriskgateways.in/credit-card-processing/
Our credit card processing facility allows you to accept payments from customers around the world, using a variety of credit card brands, including Visa, MasterCard and Cirrus Maestro. In order to support your business, we take a unique approach to credit card payments, focusing on real-time processing, cardholder security, and online fraud prevention
Payment gateway/payment service providers and future trends in mobile payment...Danail Yotov
This document discusses payment gateways, processing of payments, and future trends in mobile payments. It provides an overview of how payment gateways facilitate transactions between merchants and banks. It describes how payments are processed, including encryption of data and authorization. It also discusses security measures like 3D Secure and PCI compliance. Finally, it outlines emerging technologies for mobile payments, including storing payment details on devices and using phones for contactless "tap and pay" transactions.
A payment gateway is an ecommerce service that processes credit card and other payments for online businesses. It works by encrypting payment information entered by customers and transferring it between payment portals like websites and banks. The gateway authorization process involves routing the transaction data through the merchant's processor, credit card association, and issuing bank to approve or deny the payment within seconds, though funds may take 1-2 days to be deposited. Payment gateways offer businesses security, simplicity, flexibility and other benefits for accepting electronic payments.
Trading Online – Getting started and how to grow your businessSecure Trading
- The document discusses getting started with online trading and growing an online business, covering topics like choosing a website, shopping cart, payment gateway, and addressing fraud and logistics concerns.
- It also discusses expanding business into Europe using alternative payment methods from countries like Germany, Netherlands, Austria and Belgium to access more customers and markets.
- SecureTrading is introduced as a payment service provider that can help with online payment processing and fraud prevention services.
This document provides an overview of payment gateways and systems. It discusses payment basics like issuers, acquirers, and processors. It describes how credit and debit transactions work through KNET in Kuwait. The document also outlines different types of payment providers for credit, debit, and processing services in Kuwait, including KNET, issuer banks, acquirer banks, and American Express. Finally, it discusses options for integrating payments and tips for choosing a payment provider.
Payment Gateway History: An interview with the InventorWayne Akey
Payment Gateways play an integral role in e-commerce and SAAS applications. Hear from Jeff Knowles-the inventor about the challenges and struggles of creating the first Payment Gateway.
India Swipe is a proposed payment gateway company with the objectives of offering services at reduced commission rates, making the payment process seamless for buyers, and collaborating with online retailers. The company plans to allocate 12 employees and expects setup costs of Rs. 51,32,000. It projects processing 1,00,000 transactions per month worth Rs. 5 crores in total, earning Rs. 5 lakhs in revenue monthly at a 1% commission rate. This would allow the company to break even within 12 months.
Payment Gateways in Kuwait - 2014 UpdateBurhan Khalid
This is my updated talk on payment gateway options available in Kuwait for 2014.
The talk was given at @sirdab_lab for the @startupq8 weekly coffee meetup.
This document discusses payment gateways and workflows in e-commerce. It defines key terms like payment gateway, workflow, triggers and events. It provides an overview of the eZ Authorize payment gateway extension for eZ Publish and demonstrates how to install and set up a payment gateway workflow using triggers and events. Examples of existing payment gateway extensions for eZ Publish are also listed.
This document outlines steps to test payment gateway functionality, including:
1. Gathering test credit card numbers and sandbox accounts for testing.
2. Understanding integration between payment gateway and application and testing parameters passed between them.
3. Checking successful retrieval of payment data by the application and error handling.
4. Verifying database entries for transactions, amounts, and errors.
5. Ensuring security measures are in place for transactions.
Find out how SecureTrading can help your business successfully trade online. We can help with all aspects of taking payments from processing transactions to counter-fraud services.
We don't just do credit and debit cards, but PayPal, Ukash and leading European methods such a ELV, Sofortuberweisung and iDeal.
- SecureTrading is a leading UK payment service provider established in 1997 that processes over 25 million transactions annually across various industries.
- They offer a range of payment processing and fraud prevention services including payment gateways, alternative payment methods, PCI compliance solutions, and reporting tools.
- SecureTrading has a fully redundant infrastructure and is PCI DSS Level 1 certified. They work with a variety of acquirers and support multiple payment types including credit cards, debit cards, and alternative payment methods.
- Several major UK companies were cited as clients that value SecureTrading's reliable service and responsive customer support.
This document provides an overview of card payment systems. It describes the simplified authorization flow when a customer makes a payment by credit or debit card, involving the merchant, acquirer/processor, payment brand, and issuer. It also discusses electronic data capture, the ISO 8583 financial transaction message format, magnetic stripe vs EMV chip cards, verification options, card not present transactions, card management systems, and the simplified settlement flow.
Understanding the Card Fraud Lifecycle : A Guide For Private Label IssuersChristopher Uriarte
With credit card fraud dramatically on the rise, particularly in the form of card-not-present (CNP) fraud across Internet and Mail Order/Telephone Order (MOTO) channels, it is important for private label issuers to understand the depth of this problem and how it affects their merchant portfolio and their ability to accept private label cards. Private label cards were often considered to be “low risk”, relative to traditional bank cards, but our current analysis has shown the contrary: fraudsters are increasingly using private label cards as the payment instrument in CNP channels and merchants are at great risk if specific strategies are not put in place to stop it.
We all know that fraud and chargebacks are harmful. But do you know how fraud and chargeback prevention works? How can you fight them effectively? Find all the answers in our complete guide to chargeback prevention - https://goo.gl/zR5L7g
Start accepting payments on your website →→→ https://bit.ly/2xIN1Oj
The document discusses chargebacks, which occur when a credit card transaction is reversed at the request of the cardholder or issuing bank. It provides information on the chargeback process and reasons for chargebacks such as fraudulent transactions or unsatisfactory purchases. The impacts on payment providers, merchants, and customers are described. Key steps in the chargeback process and what is required for merchants to reject a chargeback claim are outlined. The document also provides tips for merchants to avoid chargebacks by clarifying policies, order details, and responding promptly to issues or claims.
This document outlines Coowry's proposal to use mobile airtime as a new form of digital cash to enable micropayments. It notes that while the digital economy enables small transactions, current payment tools are not well-suited for transactions under $1. Coowry's solution would allow people to purchase digital goods and services, make donations, send gifts, and engage in peer-to-peer transfers using airtime credits. This would remove commissions and barriers to include the 70% of people without access to traditional financial tools. Examples of use cases including purchasing digital content, donations, gifts, and e-commerce purchases are described.
Many changes are being announced within the payment scheme rules, like those related to the transaction receipts and chip liability shift. Presentation will also give an insight to the MasterCard Dispute Resolution Initiative announcement as well as dispute-related hot topics and modification for AEIPS PIN transactions.
The document discusses requirements and guidelines for obtaining a prepaid payment instrument license from the Reserve Bank of India (RBI). It outlines the types of prepaid instruments that can be issued, capital requirements for different entities seeking a license, conditions for issuing prepaid payment instruments, documents required for the license application, advantages of prepaid wallets, and the period of validity for a prepaid wallet license.
PayEasy is a global provider of electronic payment solutions. It aims to be the leading payment services company in regions like the Middle East, Asia, and North America. PayEasy offers credit card acquiring, payment processing, and risk management and fraud prevention solutions. It has operations across multiple regions and works with banks, merchants, and payment processors to provide secure and reliable payment services.
Credit card processing
https://www.highriskgateways.in/credit-card-processing/
Our credit card processing facility allows you to accept payments from customers around the world, using a variety of credit card brands, including Visa, MasterCard and Cirrus Maestro. In order to support your business, we take a unique approach to credit card payments, focusing on real-time processing, cardholder security, and online fraud prevention
DigiPay began its journey in the year of 2019
under the umbrella of Peerbits, a leading mobile
application development company. DigiPay has
come up with several digital financial solutions
such as Mobile Money, Agency Banking,
Automated Fuel Solution, Parking Solution, etc.
NetPay offers various online payment solutions including credit card processing, ACH, direct debit, cash payments, and mobile payments. It also facilitates payouts to affiliates, partners, and suppliers through debit cards, wire transfers, and check clearing. NetPay authenticates each transaction through its proprietary risk assessment platform to identify fraudulent transactions and reduce chargebacks.
Payment Network International is a international payment processor. Please enjoy our short company presentation, should you have any question please email info@pni.com.au
Ronghan Group provides overseas e-commerce and cross-border payment services through two main brands. GooPay is an international payment platform that supports major credit cards. OnerWay provides overseas sales fund receiving services for e-commerce companies on platforms like Amazon. Ronghan aims to be a one-stop service for small and medium enterprises conducting cross-border business through payment solutions, data services, and online marketing.
This document summarizes the services provided by North American Bancard, a payment processing company. They offer competitive credit card and electronic check processing rates and aim to save businesses money on their current processing fees. Their services include point-of-sale, online, and mobile credit card processing as well as check guarantee programs. They also offer cash advances to businesses based on expected credit card sales.
As a CBD payment processor, iPayTotal works hand in hand with CBD merchants to protect their businesses from account closures, fraud, and chargebacks. We offer award-winning fraud and chargeback protection and have strong relationships with over 40 banks who work with high-risk CBD merchant accounts both in the United States and offshore.
PayNet Mobile Banking Introduction 2017Tushar Belwal
This document provides an overview and summary of PayNet's mobile banking and digital payment services. Some key points:
- PayNet offers a full-featured digital banking platform for launching mobile banking apps and services. Their platform provides core banking features, loyalty programs, card services, and integrations.
- Their platform is highly secure, with features like role-based access controls, encryption of all data transmission and storage, input validation, and logging/alerts. It is PCI/DSS certified.
- PayNet promises high uptime of 99.95% and guarantees this through penalties. Their services are hosted on tier-3 datacenters and regularly audited for compliance.
- The platform allows
The document describes DirecPay, a payment gateway service provided by TimesofMoney that offers online payment solutions for merchants across India. It provides safe and cost effective payment options like net banking, debit cards, credit cards, and mobile payments on a secure platform. DirecPay allows merchants to securely receive payments from customers in various ways like online purchases, service payments, or bill collections. It has integrated solutions for ecommerce, interactive voice response, mobile payments, value added services like digital wallets, reporting and analytics tools.
This graphic explains what PCI compliance is, that is required for all companies that accept credit card transactions, and outlines the PCI Compliance Process.
AsiaPay provides electronic payment solutions and services to banks, merchants, and individuals across Asia. It is a leading provider in Hong Kong and the Philippines, serving over 2,000 merchants. PesoPay is AsiaPay's e-commerce solution in the Philippines that allows merchants to accept online credit card payments in pesos or dollars with benefits like increased sales and security measures to protect transactions.
Vantiv offers payment processing solutions for ecommerce businesses, including core payment processing along with value-added services. Their solutions help businesses drive revenue, manage risks, and gain insights from analytics and reporting. Vantiv provides fraud prevention tools, account updating to maximize authorization approvals, and ensures reliable payment acceptance across devices and currencies.
This document provides an overview of YESpay International Limited, a global provider of chip and PIN and e-commerce card payment services. It discusses YESpay's corporate structure and highlights, customers and merchant business drivers, PCI accredited card payment services, features, reporting portal, high availability and service level agreements, and benefits for merchants. The payment services provide outsourced, PCI compliant processing to minimize costs and complexity for merchants.
This document discusses high risk merchant accounts and the benefits they provide. It notes that high risk merchants, such as those in gambling, airlines, software, and auctions, have difficulty obtaining standard merchant accounts due to the risky nature of their business. High risk merchant accounts provide credibility, one-stop payment solutions, speedy processing, smoother operations, 24/7 customer support, and high levels of privacy and security. The document also discusses prepaid card rewards programs that allow merchants to offer incentives to customers who pay with virtual cards, as well as custom prepaid card programs and merchant account management services.
The document discusses iSignthis and its digital identity verification solutions. It includes sections on:
- Digital KYC and how iSignthis offers a digital solution compared to traditional face-to-face or paper methods.
- Their payment authentication solution which helps payment services providers satisfy strong customer authentication regulations like PSD2 through a single integration.
- Contact information for iSignthis and details on their stock exchange listing and social media profiles.
The document promotes iSignthis's identity verification products and services for online fraud prevention, payment authentication, and anti-money laundering compliance.
The document discusses secure payment integration solutions for SAP. It provides an overview of Paymetric as an award-winning payment processor and describes the challenges of accepting electronic payments within SAP systems, including limited functionality, PCI compliance, and high costs. The document outlines Paymetric's solutions that securely integrate payments into SAP, including credit card processing, accounts receivable payments, tokenization for sensitive data, and reconciliation reporting.
This document discusses OpenWay Group's digital payment platform called WAY4. It provides the following key points:
1) WAY4 is a digital payment platform that aims to help payment companies embrace challenges in the digital era by providing payment software solutions.
2) It offers digital wallet, card issuing, acquiring, switching and other payment products and services in a unified and flexible way to ensure secure customer experience.
3) OpenWay is a leading global provider of digital payment software, ranked number 1 by Gartner and Ovum, and its WAY4 platform is used by major banks and payment processors worldwide.
Ixaris is a payments technology company that has pioneered virtual prepaid cards. Their presentation discusses opportunities for using virtual prepaid cards to improve payment efficiencies. Specifically, they describe two case studies where they helped clients in the insurance and travel industries lower costs and improve controls by issuing single-use virtual cards tagged with additional data for reconciliation. They conclude that virtual prepaid cards can address many payment inefficiencies through flexibility and economics, and that markets like purchasing, supplier payments, and incentives would benefit from virtualization.
Similar to Pay Easy Solutions Internationalv2 (20)
2. About us
Simple,
Secure,
Low
Cost
Payment
Solu6ons…
PayEasy
is
a
global
provider
of
electronic
payments
solu6ons
for
financial
ins6tu6ons,
retailers
and
payment
processors.
Customers
rely
on
PayEasy
solu6ons
to
deliver
reliable,
scalable
and
secure
payment
services
and
to
have
money
on
the
move.
PayEasy’s
objec6ve
is
to
become
the
leading
electronic
payment
services
company
in
the
Middle
East
and
North
Africa,
Europe,
Central
and
South
East
Asia
and
North
America.
We
work
with
web
developers,
shopping
cart
providers
and
all
the
major
banks
to
offer
the
best
in
internet
payment
processing
services
-‐
PayEasy
means
industry
leading
reliability,
security
and
value
3. About us
‣ Global
Opera6ons
Centre
Headquartered
in
Metro
Manila,
Philippines,
‣ Branches
:
Asia
Pacific,
North
America,
Europe,
United
Kingdom
‣ Partner
Offices:
Middle
East
,
Australia,
Mexico,
Canada
and
An6gua
‣ Founded
in
2009
‣ Privately
held
and
funded
by
regional
investors
and
an
interna6onal
investment
group
‣ Opera6ons
in
the
Philippines,
US,
UK,
Monaco,
France,
Hong
Kong,
Pakistan,
Bahrain,
Lebanon,
Israel,
Cyprus,
Malta
and
Germany
4. What we do
cardholder
merchant
payment
service
provider
-‐
card
processing
-‐
risk
management
+
fraud
protec6on
-‐
acquiring
referral
-‐
IPSP
/
MSP
for
selected
acquiring
banks
acquiring
acquiring
acquiring
acquiring
acquiring
bank
bank
bank
bank
bank
5. What makes a payment solution successful
Easy
to
use,
Convenient
&
Portable
Robust
&
Electronic
Low
Cost
to
Dynamic
Transac3on
Deploy
Security
Solu3ons
&
Maintain
Leverages
Exis6ng
Systems
&
Behaviors
6. Our Solutions
Credit
Card
Acquiring
We
provide
mul3currency
credit
card
acquiring
services
in
collabora6on
with
regional
and
interna6onal
banks.
Direct
Acquiring
Rela6onships
‣ Merchant
enters
into
direct
contractual
rela6onship
with
acquiring
bank
‣ Mul6ple
referral
partnerships
in
the
region
and
interna6onally
Merchant
Service
Provider
(IPSP/MSP)
‣ Merchant
enters
into
contractual
rela6onship
with
PayEasy
but
gets
dedicated
merchant
account
from
sponsoring
bank
7. Link-‐up
various
payment
methods
through
a
Payment
Service
Provider
(only
one
Interface)
E-Shop
Payment Service Provider
Debit
Card
Additional
Payment methods
8. Our Solutions
Payment
Processing
‣ Easy integration for merchants using secure web-services
‣ Payment page enables merchants to avoid PCI /DSS certification
‣ Extensive risk management and fraud protection functionality
‣ Full support for verified by VISA and MasterCard secure code
‣ Dynamic routing of transactions to local acquiring bank to optimize acceptance
ratios
‣ Online refund and credit functionality
10. Fraud Prevention
PayEasy
Risk
Management
and
Fraud
Preven6on
Fraudster
techniques
becoming
more
advanced
Techniques
used
in
online
card-‐not-‐present
fraud
are
becoming
more
and
more
sophis6cated.
Tradi6onal
fraud
screening
tools
can
only
determine
if
a
credit
card
is
legi6mate
or
if
the
user-‐
entered
account
informa6on
matches
those
on
record.
Today,
fraudsters
can
obtain
personal
credit
card
informa6on,
pose
as
the
legi6mate
card
holder,
and
bypass
standard
fraud
checks.
Looking
at
fraud
from
a
different
angle
We
approach
fraud
screening
in
a
different
way.
We
examine
an
online
transac6on
from
various
angles.
Our
tools
are
not
geared
towards
verifying
the
authen6city
of
the
credit
card
details
used
for
the
purchase,
but
rather,
iden6fying
if
the
purchaser
is
the
legi6mate
card
holder.
Through
our
analysis,
we
have
been
able
to
iden6fy
traits
and
paberns
that
are
associated
with
fraudulent
orders.
By
asking
the
right
ques6ons,
we
can
provide
e-‐commerce
businesses
with
the
necessary
informa6on
to
detect
fraudulent
orders
before
the
payment
is
processed.
11. Fraud Prevention
PayEasy
Risk
Management
and
Fraud
Preven6on
We
provide
mul3currency
credit
card
acquiring
services
in
collabora6on
with
regional
and
interna6onal
banks.
Key
features
include:
‣ Geographical
IP
address
loca6on
checking
‣ High
risk
IP
address
and
e-‐mail
checking
‣ Issuing
bank
BIN
Number
country
matching*
‣ minFraud
Network
‣ Proxy
server
detec6on
(both
open
and
closed)
‣ Post
query
analysis
12. Fraud Prevention
PayEasy
Payment
Gateway
Features
Within
our
own
Gateway
we
have
established
several
basic
parameters
that
help
both
the
Gateway
Operator
and
the
merchant
reduce
the
risk
of
fraud
before
the
transac6on
is
passed
to
our
Fraud
Preven6on
Service
Provider
and
then
the
acquirer.
These
features
include
:
‣ Specifying
the
maximum
number
of
6mes
a
credit
card
can
be
used
within
a
specified
period.
If
this
is
exceeded
the
Payment
Gateway
automa6cally
locks
that
credit
card
number
out
for
the
specified
period.
If
the
customer
abempts
to
use
the
card
number
with
that
merchant
during
this
lock
out
period
the
lock
out
period
is
then
extended
from
the
6me
that
the
last
abempt
was
made
using
that
card
number.
‣ Specifying
the
maximum
number
of
6mes
transac6ons
can
be
sent
from
an
IP
Address
within
a
specified
period
of
6me.
If
this
is
exceeded
the
Payment
Gateway
automa6cally
locks
all
transac6ons
out
coming
from
that
IP
Address
for
the
specified
period.
If
transac6ons
are
abempted
from
that
IP
Address
within
the
lock
out
period
the
lock
out
period
is
automa6cally
extended
from
the
6me
of
the
last
abempt.
‣ Specifying
the
maximum
number
of
different
credit
card
transac6ons
(numbers)
that
can
be
sent
from
the
same
email
address
within
a
specified
period
of
6me.
‣ Specifying
the
maximum
number
of
email
addresses
that
can
be
associated
with
a
specific
credit
card
number
within
a
specified
period
of
6me.
13. Fraud Prevention
PayEasy
Payment
Gateway
Features
These
features
include
:
‣ Specifying
the
maximum
number
of
valid
transac6ons
that
can
be
processed
for
a
day
and/or
month.
The
merchant
is
automa6cally
no6fied
when
the
limit
is
about
to
be
exceeded.
‣ Specifying
the
maximum
value
of
valid
transac6ons
that
can
be
processed
for
a
day
and/or
month.
The
merchant
is
automa6cally
advised
when
the
limit
is
about
to
be
exceeded.
‣ Repor6ng
all
transac6ons
over
a
specified
amount.
‣ Repor6ng
all
transac6ons
under
a
specified
amount.
‣ Merchant
has
the
op6on
of
using
the
Email
No6fica6on
Service.
Here
the
PayEasy
Payment
Gateway
sends
an
email
confirma6on
that
a
credit
card
transac6on
has
been
processed
for
the
cardholder
by
the
merchant.
If
the
email
bounces
the
Email
Verifica6on
Service
automa6cally
reverses
out
the
transac6on
and
the
merchant
is
automa6cally
advised.
‣ Seeng
the
minimum
and
maximum
fraud
score
returned
from
our
compliance
plaform.
With
this
all
scores
over
the
maximum
are
automa6cally
rejected.
All
scores
under
the
minimum
are
automa6cally
sent
to
the
acquirer
for
valida6on.
Scores
between
the
minimum
and
maximum
are
flagged
and
returned
to
the
merchant
for
further
evalua6on
before
being
sent
to
the
acquirer
for
valida6on.
15. Benefits
Risk
management
and
Fraud
Preven6on
Reduce
your
Fraud
by...
o
Detec6ng
fraudulent
behavior
(paberns)
automa6cally,
o
Incorpora6ng
market
specific
data
into
the
fraud
decision
process,
including
i6nerary
informa6on
such
as
departures,
stopovers,
arrivals
and
airport
informa6on.
Decrease
your
Costs
by....
o
Reducing
chargebacks,
safeguarding
against
surcharges
and
fines
o
Reducing
the
number
of
transac6ons
being
queued
for
manual
review,
o
Decreasing
6me
spent
on
processing
excep6ons
(chargeback
no6fica6ons,
etc.).
Op3mize
your
Revenue
by...
o
Accep6ng
more
genuine
business,
o
Iden6fying
and
protec6ng
your
good
customers.
Thus
op6mizing
sales
conversion,
while
minimizing
fraud
risk
and
manual
review
and
associated
costs.
16. Security
and
Infrastructure
‣ Compliant
with
payment
card
industry
data
security
standard
(PCI/DSS)
‣ Support
for
verified
by
Visa
and
MasterCard
secure
code
‣ Secure
data
center
facili6es
17. Repor6ng
and
Management
‣ Web-‐based
administra6ve
interface
‣ Extensive
transac6on
search
and
management
func6onality
‣ Business
intelligence
and
repor6ng
dashboard
‣ Personalized
user
accounts
‣ Online
refund
and
credit
capability
18. Merchant Support
Keeping
you
connected
online….
We
offer
a
range
of
support
facili6es
to
online
merchants
–
via
email
and/
or
telephone.
Technical
exper6se
is
also
available
‘in
the
flesh’
where
required.
The
level
of
support
does,
of
course,
depend
on
which
PayEasy
Online
payment
solu6on
you
have
chosen.
Support
facili6es
available:
•
Online
Support
•
Merchant
support
(via
phone
and
email)
•
Technical
support
(via
phone
and
email)
19. Contact
Christopher R. Bauer
Global CEO / Chief Executive Officer
http://www.payeasy-solutions.com/
PayEasy Solutions Inc. International
DDI: +63 (0) 2 577 4680
Cell: +63 (0) 917 892 0016
E-mail: chris.ba@me.com
James E Bergman
Global COO / Chief Operational Officer
PayEasy Solutions Inc. International
Tel UK (M): +44(0)7791171680
Tel UK (W): +44(0)2078732022
Email: James.Bergman@me.com
General
Inquiry
compliance@payeasy-‐solu6ons.com
IT
/
Technology
technology@payeasy-‐solu6ons.com
Card
Services
cardmanagement@payeasy-‐solu6ons.com
Merchant
Services
merchant@payeasy-‐solu6ons.com