PayU provides payment processing services to over 80 of the top 100 ecommerce companies in India. They offer a wide range of payment options including credit cards, debit cards, net banking, EMI, international payments, and cash cards/wallets. PayU's dynamic switching technology routes transactions across multiple acquirers to maximize conversion rates, increasing success rates by 2-2.25% compared to competitors. They also provide analytics, risk management, mobile payment solutions, and work to simplify the two-factor authentication process on mobile.

2. 80+ of the top 100 ecommerce companies in
India use and recommend PayUbiz and
PayUMoney

3. All payment options
Largest collection of payment methods
to help you serve wide range of customers
Credit Cards: Visa, Mastercard, Amex, Diners
Debit Cards: Visa, MasterCard, Maestro, RuPay
Net banking: 44+ Banks
EMI for 8 Banks: All major issuers
International payments & Multi Currency Gateway
Cash cards and Wallets
PayUMoney Wallet
Standing Instructions: Visa, MasterCard
IVR

4. PayU Biz Payment Gateway
Best Conversion rates
Typically 12% higher than
competition
State of the art
Proven Technology
Patent Pending Algorithms,
Dynamic Switching, Retry
Framework, Intent to Pay
Amazing Customer
Service
(Technical, operational,
Accounts) which responds
immediately
Reduce your costs
Transactional cost,
technology development cost,
accounting cost
Higher
Sales

5. Best conversion rates in the Industry
12% higher conversion rate
Compared to competition
“The difference in conversion rates between PayU and a very
large competitor in steady state is more than 12%. PayU
Delivers” – goibibo
Customer Testimonial
Increased conversion rate means –
• More paying customers
• Better consumer experience
• More Revenue

6. DYNAMIC SWITCHING
Cutting-edge transaction routing across multiple acquirers

7. Addressing PG issues through
Dynamic Switching
• We give each of our merchant
multiple acquirers or PGs to
process their
Visa/Mastercard/Maestro i.e.
card transactions
• Dynamically choose the best
gateway for every transaction
to maximize conversion rates
• Dynamic Switching (DS)
increases success rates by
2.00-2.25%
Payment
Gateway 1
Payment
Gateway 2
Payment
Gateway 3
Dynamic
Switching

8. How are transactions switched?
• Uptime
• Response time including latency
• Fluctuations and Success Ratios
Health of
Gateway/Acquirer
• Certain bins do better on certain
gateways (e.g. onus done by data)
• International and Maestro issues
Bin-Based
Switching
• At time of retry, determine if acquirer
responsible for failure
• Preference of a transaction for a
gateway
Local Transaction
History

9. Additional things we do
• Only certain gateways process Maestro. We achieve this mapping automatically
via bin-based switching
• We also know if a user has entered junk data in CVV/Expiry and that needs to
be rejected for successfully processing Transaction.
• We also know if a Visa/Mastercard customer has forgotten entering CVV/Expiry,
in which case we ask for it again
• We identify Back Button Press and are able to offer a Retry Option to customer
in more than 60% of cases.

10. Auto Retry and Recommendation
1. Sometimes as high as 10%
Customers Retry Transaction due to
failures at first attempt
2. Almost 50% of these transactions
get successful with Retry on Second
Attempt
3. Retry Framework impacts overall
conversion by 4% positively
4. Informing customer of Indicative
Failure Reasons improves success
on next attempt
5. Though basic, but not available with
other PSPs

11. Real-time Netbanking
downtime identification
1. About 2-2.5% of Netbanking
transactions get impacted by scheduled
or unscheduled downtime
2. We determine this in real time (due to
our transaction flow of more than
500,000 txns/day)
3. You can access this information via APIs
or we can bounce the transaction back
to you reporting it as net banking down
4. You (or us) can inform the user and ask
him to choose alternative payment
option. You (or us) can also ping back
the user when payment method is
available again

12. Real-time card issuer
downtime identification
• Our transaction volume of
more than 500K txns/day
becomes our strength
• We maintain 7000+ bin
healths per minute across 5
payment gateways
• Access to this information
available via APIs

13. Transaction Process Flow -
Analytics

14. State of the art Payment Analytics
• Complete transparency
into both successful and
unsuccessful transactions
• Classification of
transaction by their intent
to pay
• Insights into the user’s
payment behavior
• See all the reports
graphically in real time

15. Get PCI DSS easily
Use PayU’s libraries and
iFrame to collect card
details on your website
With PayU, your PCI DSS
requirements reduced by
90%. Get it in about 2
weeks at 1/5th the cost!

16. Express Checkout
• A store card feature to your customers and
makes the online payment a 1-click job
• Ultra secure offering and reduces the transaction
time by manifolds

17. Completely customizable Payment
Page
Customize
colors, fonts,
sizes,
borders, logo
etc. using an
easy “Do it
yourself”
section.
You can also
add a custom
note for
specific
transactions.

18. Store card Feature
Credit/Debit Card
• Offer a Store Card solution
to your Repeat customers
for Seamless transactions.
• The customer has to enter
only the CVV and 3-D
secure password when
doing the next transaction.
• The feature is extremely
secure where the card
details are saved in an
encrypted form and can
be edited/removed
anytime by the user.

19. Easy Integration
Integration
Engineers to
resolve all your
queries.
Plug and play
kits for over 15
shopping carts
Sample codes in
PHP, JSP, .NET,
Ruby, Python
and more
Integrate within days if not hours!

20. We also think about your accounts
team
• Billings tab to tell you in detail about your
payments, settled transactions and
transactions waiting to be settled.
• We Auto-capture all your transactions. No
need to do it manually.
• Settlement in T+2. Most times for card
payments, we achieve T+1.

21. 85% fewer next-day Netbanking
recon issues with PayU

22. Verify/update APIs with all
banks
In case of no
response
from
PG/dropped
transaction,
we call
bank’s
update API
to get the
status of the
transaction
This helps in
near real-
time status
update and
merchant
does not
wait for
next-day
recon for
final status
Next-day
recon issues
reduced to 0
in case of
cards and by
about 85%
in case of
NetBanking
We have this
API with 26
Banks. For
major
Players like
SBI, AXIS
this API
results in a
success rate
improvement
by 1-1.5%.

23. Accept Payments beyond your website
• Collect payments on phone
• Offer Store Card Solution on IVR for
Repeat customers.
• On-the-Fly OTP Generation.
• Offer Retry Feature to your customers on
IVR Transactions.
• Integrate with your CRM easily
IVR Payments
Email Invoicing • Send an email to collect your payment
• No need of integration
• Create and send professional e-invoice to
your customers
• The customer receive and can pay online
in a single click

24. Best in class Risk Management
• Offer comprehensive risk management
system which works in over 16 countries
– Velocity and Value rules on all possible
parameters
– Positive and Negative databases
– Device Fingerprinting
– Neural Network
• Tie-up with the best Global Risk Processor
(sees about 10% of world’s transactions) for
your international transactions.

25. THE IMPORTANCE OF MOBILE

26. How mobile grew at PayU
• ~20% of transactions in mid-late 2013
• ~50% of transactions by end-2014
– Mobile dominates (85%) in case of movie ticket
booking etc.
• PayU grew 4x in this timeframe
• Mobile transactions volume growth ~= 2.5 *
4 = 10x!

27. 2FA on mobile: Challenges
• One Time Password (OTP)
– No uniformity: OTP lengths vary from 4-8 digits
– Hard to remember (+ friction of switching apps)
– Increased chances of a typo or misread
• Bank pages not optimized for mobile
devices
• Banks having different flows to manage 2FA

28. Android app SDK
and custom
browser to
simplify OTP
experience

29. Beautiful experience in case of
OTP

30. Every bank page precision-mapped

31. Mobile SDK advantages
• Improve customer experience and reduce
drops at OTP page
• Analytics to help you decode user behaviour
• Detailed transaction funnel including issuing
bank page load time, second factor
authentication chosen (OTP/VbV), SMS
status (received/not received) and final
approval status from the customer

32. How Can I Help?
[Pritish Das]
[Pritish.das@payu.in]
+91-98988239162
www.payu.in