A complete Payment Solution.

1. 1A Product of Paygate India Private Limited
Evolving 360 degree

2. 2
Agenda
Introduction
Transaction Flow02.
Integration Types03.
Integration API04.
Integration Security05.
Settlement Flow06.
Payment Cycle
Payment Methods
07.
08.
Reporting
Merchant Panel
Pricing
Risk Management
Features/Functionalities
Advanced Features
Why SafexPay?
Payment Flags
09.
10.
11.
12.
13.
14.
15.
16.
01.

3. 3
Introduction
INCORPORATION
Paygate India Private Limited was found in 2014
TEAM
Team having experience in payments industry (PSPs and banks)
PLATFORM
Paygate owns the technology platform, resulting in easier features rollouts for Web,
Mobile and Social Media platforms
ASSURANCE
Tried & Tested white-labelled solution for Enterprise, Client, Banks & Resellers
ANALYTICS
Get a better insight into customer’s buyer journey, transaction & other reports
PCI DSS 3.1 Certified, ISO 27001:2013 Certified
CERTIFIED

4. 4
Features
High Success
Rate
Low
Transaction
Short payment
cycles
24/7 quality
phone & email
support
Liberal
cancellation &
refund policy
Integration with
the website

5. 5
Challenges
INCOMPLETE ECOSYSTEMHIGH FEES FRAGMENTED SOLUTIONS
 Initial deposits
 Currency exchange
 Onboarding time
 Payments
 Logistics
 Web Stores
 Call Centers
 No Risk Management
 Unscalable platform

6. 6
Digital Payment Services
Payment Gateway
Platform
Wallet Platform
Smart Collect
Platform
Safexpay Business
APP

7. 7
Transaction Flow
Online
Shopper Online
Merchant Website
Payment Page
SMS Email Notification
SMS Email Notification
Transaction Request
Transaction Reply
Agenda

8. 8
Payment Hosted

9. 9
Merchant Hosted Page

10. 10
Invoice Email/SMS Based Payments
First merchant will go to the portal and then create and invoice
Email/SMS link will be sent to the customer for making the payment
Customer will select the payment method
Customer will make the payment
Payment details will be updated on the merchant portal
Alert will be sent to the merchant
Step 1
Step 2
Step 3
Step 4
Step 5
Step 6

11. 11
QR Code Based Payments
Step 1
Step 2
Step 3
Step 4
Step 5
Step 6
First merchant will go to the portal and then create QR Code
Customer will scan the QR code and select the payment method
Payment details will be updated on the merchant portal
Email/SMS link will be sent to the customer for QR code format
Alert will be sent to the merchant
Customer will make the payment

12. 12
Integration
API
 Merchants can
send API
 Call for Capture
 Cancel & Refund
API call for Cancel &
Refund
Connection between
Safexpay & aquirer to
process the
transaction

13. 13
Integration & API
Safexpay Supports more than 15 + integration API & shopping cart Plug-ins.
Sample Integration kits will be available in all the major programming languages:

14. 14
Security & Certifications
Merchant URL & IP Validation for Merchant ID
Server to Server Communication API
SSL 256 BIT Encryption
ISO 27001:2013Certified
PCI DSS 3.2 Level1 Certified
Push Response for security

15. 15
Payment Cycle
Various Payment Cycles which can be configured as per merchants requirements.
T+1 day
NOTE* :- “T” refers to the day of the transaction itself
T+2 day
T+3 day
T+7 day
T+14 day

16. 16
Payment Options
1. Card Processors
(VISA, Master Card, Rupay, Maestro)
(Amex-Amex, JCB)
4. UPI
5. EMI*
6. Buy Now Pay Later
(E Pay Later, Simpl,,olapostpaid)
7. Cash Collection*
8. ENACH
9. Debit Card with PIN
10. Aadhaar Pay*
11. B2B Lending*
12.Cardless EMI*
*denotes under integration
2. Net Banking (70+Banks)
(Axis Bank, HDFC Bank, ICICI Bank, Kotak
Bank, Yes Bank etc.)
3. M-Wallet (10+Wallets)
(Mobikwik, Freecharge, Ola Money, Jio
Money, Oxigen Wallet, The Mobile Wallet,
MPESA,SBI Buddy, Amazon Pay, Paycash*,
Airtel Money, Paytm*, Button Pay Wallet*,
I Cash Card*, Idea Money Mobile Wallet*,
Zip Cash Card*, etc.)

17. 17
Settlement Cycle
Customer account will be getting debited in real-time and money gets credited
to internal account of the respective Bank on ‘T’day.
Respective bank sends the money to the Nodal account on’ T’+1 Working day
along with reconciliation files where ‘T ‘is the transaction day.
SafexPay system does reconciliation with reconciliation file received from
respective banks and generates reports of the same.
SafexPay settles the money into the respective merchant’s bank account on T+2
working days through the SafexPay Nodal account.
1.
2.
3.
4.

18. 18
Tokenization
“Tokenization is the process of replacing sensitive data with unique identification
symbols that retain all the essential information about the data without compromising
its security.”
What are the advantages?
 Increase Success Rates which were earlier affected because of long payment processes.
 Integrates easily with website offering a seamless customer experience.
 Reduce instances of chargebacks
 Offers absolute parameter control
 Eliminates PCI-DSS compliance issues
Are customer details safe?
Tokenisation uses an Advanced Encryption Standard (AES) - 256 Encryption technology and
has Encryption Key management as per PCI DSS Security standard.

19. 19
User Access Control
Ability To Create
Users/Sub-users Assign Role to Users
Audit Trial of users
Mapping users with
role/rights/accesses
IP tracking of users Secure Login
Password reset

20. 20
Chargeback Management
Ability to Mark Chargeback for transactions
Documents upload from merchant/bank console
Automated Tracking
Alerts to merchants and Aggregators
Payment Hold & Adjustment
Bulk Chargeback marking capability
Reminders

21. 21
Risk Management
Various rules for risk managements are:
We follow over 100+ rules to monitor real time frauds including the following checks to
eliminate all possible risks:
Velocity Check
Email Check
Bin Check
Address check
Pin code check
Mobile Number Check
IP Check/Block
Device Id check
Country Check
Billing & Shipping Check

22. 22
In-App Payments
Payment through Native/Hybrid App
Supports various platforms like Android & IOS
Seamless Integration for better Performance
Better Customer Experience
Better Success ratio
Personalized Experience for customers

23. 23
Other Advanced Features
 Payment Page Customization
 Multiple Currency Acceptance
 QR Code based Payments
 SMS based Payments
 Email based Payments
 Surcharge/Partial Surcharge
 Various Pricing Configuration
 Multi-accountsSettlement
 White-Label Capability
 Multiple Language Payment Page*
 Uptime/Downtime View
 Sandbox
 JS checkout Integration*
 Automated API for integration, Verification
 Smart Router for switching between gateways
 Alerts Configuration
 I-Frame Integration
 Push Response technology
 Payment Analytics
 Status Query API
 Social Media Payments*
 Spilt Payments
 Recurring Payments*
 Dynamic Currency Conversion*
*denotes under integration

24. 24
1. Simple to implement
• Fully functional demo
account.
• Comprehensive API tool
• Explanatory integration
document
2. Rich Features
• Payment API
• Tokenization
• Multiple currency
payment
• E-Invoicing
• Rich Admin Interface
3.Intuitive admin System
• Self Onboarding platform
• Reporting
• Real time transaction
dashboard
• Manage team permission
Extensible & Scalable Payments
Platform
4.Payment tools for merchant
without website
• E-Invoicing
• Quick Links
• QR Codes
5. Highly Secure
• PCI DSS level to 3.2 Level
1
• ISO certification
27001:2013
• Real time fraud detection
6.Negative Checkout
Experience
• Multi currency
• Multi languages
• Transparent pages
• Branded pages

25. 25
WHY SafexPay?
Scalable Platform
Why
Configurable Platform
Multi Currency Support
Multi Channel Offering
Capability to offer while-label
Advance Technology
International Experience
Innovation in New Functionalities
Focused on Mobile & App based Payments

26. 26
Contact Us:
Mumbai:
627-628, 6th Floor,LodhaSupremusII,
RoadNo.22, Wagle Estate,Thane, Maharashtra-400604
Gurgaon:
879, Behind Trident Hotel, Udyog Vihar - V, Gurgaon,
Haryana -122016
Email: contact@safexpay.com
Website: www.safexpay.com