SafexPay unique product offerings are advanced Integration API for best success ratios, Dynamic Currency Conversion (DCC), Push Response Technology, Dynamic Switching, Retry options, Advanced Analytics, Recurring Payments, Multiple Currency Options, Omni-Channel Offering, E-Wallet M-commerce etc. SafexPay aims to build digital payments businesses and platforms- Encompassing payment gateways, payment aggregation (through a PSP setup), mobile wallets , White-Label Solutions as well as to provide value added services in the payments domain to consumers, merchants, banks and financial institutions across the globe

1. A Product of PaygateIndia Private Limited
Evolving 360 degree
Digital Payments

2. 2
Agenda
1. Introduction
2. Transaction Flow
3. Integration Types
4. Integration API
5. Integration Security
6. Settlement Flow
7. Payment Cycle
8. Payment Methods
9. Payment Flags
10. Reporting
11. Merchant Panel
12. Pricing
13. Risk Management
14. Features/Functionalities
15. Advanced Features
16. Why SafexPay

3. 3
Introduction

4. 4
Features

5. 5
Challenges

6. 6
Our Digital Payment Services
Payment Gateway Platform
Wallet Platform
UPI Application

7. 7
Transaction Flow

8. 8
Integration Type
and API

9. 9
Safexpay Payment Hosted

10. 10
Merchant Hosted Page

11. 11
Merchant Hosted Page-Iframe

12. 12
Invoice Email/ SMS Based Payments

13. 13
QR Code Based Payments

14. 14
Offline Payment Methods
NEFT-RTGS

15. 15
NEFT – RTGS Mode For Collection
Bank will open a Pool a/c of Merchant for inward NEFT/RTGS collections for Merchant.
Merchant Bank Account No : ABCXXXXXXXXX | IFSC Code :BANK0530786
Example :
Customer generates his unique registration No. from Merchant website with
registration No. 1234567891
So the Merchant Account No :: ABC1234567891
Further, Bank will be doing SERVER to SERVER integration with Merchant website to
update the Transaction Database server of Merchant.
ABC
Static
XXXXXXXXXX
(Variable-Unique
Registration No.)**
ABCXXXXXXXXXX
Account No.

16. 16
NEFT – RTGS Mode Of Collection-
Process Flow
1. Customer will go to Merchant website and select “ Online payment”
2. After selecting Online Payment, Customer will fill the details online and submit them.
3. After submitting details, the registration/application number will be generated.
4. Once registration/application number is generated, the student will be shown following payment
modes.
• Online Payment Gateway (Credit / Debit / Net Banking)
• NEFT / RTGS
• Cash Deposit at Bank Branch
5. On selecting NEFT- RTGS, Customer will take print out of application/challan form and will login to the
internet banking site of the bank in which he has an account. He can also visit the branch and submit the
instruction for NEFT / RTGS.
6. Bank will do a NEFT-RTGS to Bank’s Pool account of Merchant.
7. Bank will push payment received details along with registration details to Merchant server via API.

17. 17
Cash Collection

18. 18
Cash collection-Process Flow
1. Customer will go to Merchant website and select “ Online payment”
2. After selecting Online Payment, Customer will fill the details online and submit them.
3. After submitting details, the registration /application number will be generated.
4. On selecting Cash Collection, customer will take a print out of the application form and will go to
the nearest bank branch.
5. customer will deposit the cash to Bank branch and Bank will transfer amount to Bank’s Pool account
of Merchant.
6. Bank will push the payment received details along with registration number to Merchant server via
API.

19. 19
Server to Server Integration
 This feature will help merchants to increase response rate during transaction or updating of
transaction details on almost real-time basis.
 Bank will post response to merchant server along with browser response for all transactions in
real time for Payment Gateway transactions & offline depending on frequency agreed by
merchant for NEFT / RTGS / Cash Collection.
 Bank will post transaction amount, date of transactions, status, Transaction ref. Number and
name of customer as response parameters.
 Merchant will send an acknowledgement for server to server response. Incase server to server
response is not received by the bank after three consecutive response from merchant side, then
the Bank will send an email to the merchant for such transactions where the acknowledgement is
not received as per agreed frequency.
 Merchant will take action on email received from Bank & will either refund transactions or
accept the transaction.

20. 20
MIS
 Server to Server Integration: Updation of Merchant server instantaneously as well as
at fixed intervals.
 Bank will provide MIS of collections in a comprehensive manner to Merchant in the
required format.
 MIS will include complete details such as Name of Customer, Registration Number,
Amount, Date of payment, etc.
 Bank will provide Real time access panel to Merchant where in the officials will be
able to download the transaction reports.

21. 21
Key Benefits for Offline Solution
 Comprehensive Solutions for all Payment modes
 Payment updating of all modes to Merchant server on almost real-time
 Automated Reconciliation using API
 Single Console with all transactions details
 In-house team which provides immediate support
 In-house Risk monitoring support
 Customized & Comprehensive MIS
 Wide network of branches

22. 22
Integration
API
 Merchants can send API
 Call for Capture
 Cancel & Refund.

23. 23
Integration & API
Safexpay Supports more than 10 plus integration API & shopping cart Plug-ins
Sample Integration kits will be available in all the major programming languages:
 JAVA
 ASP.NET
 VB.NET
 PHP
 Open-cart
 Woo-Commerce
 WHCMS
 Kartrocket
 Android and IOS SDK
 Magento

24. 24
Security & Certifications
 Merchant URL & IP Validation for merchant id
 SSL 256 BIT Encryption
 Server to Server Communication API
 PCI DSS 3.1 Certified
 ISO 27001:2013Certified
 Push Response for security

25. 25
Payment Cycle
Various Payment Cycles which can be configured as per merchants
requirements
 T+1 day
 T+2 day
 T+3 day
 T+7 day
 T+14 Day
NOTE* T here refers to the day of the transaction itself.

26. 26
Payment Options-India
 Card Processors
 VISA, MasterCard
 Amex-Amex,JCB
 NetBanking (40+banks)
 M-wallet (10+ Wallets)
 Mobikwik, Freecharge, Olamoney, Jio Money, Payzapp, Pocket ,The
Mobile Wallet,Mpesa, SBI Buddy*,Paycash* and Oxicash
 UPI
 COIN (UPI Based Payment App)
 EMI*
 NEFT/RTGS/DD
 NACH*
 Cash Collection*
 Debit Card with PIN*
*denotes under integration

27. 27
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.

28. 28
Tokenisation
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 detailssafe?
Tokenisation uses an Advanced Encryption Standard (AES) - 256 Encryption
technology and has Encryption Key management as per PCI DSS Security
standard.

29. 29
User Access Control
 Ability ToCreate 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

30. 30
Chargeback Management
 Ability to Mark Chargeback for transactions
 Documents upload from merchant/bank console
 Alerts to merchants and Aggregators
 Payment Hold & Adjustment
 Automated Tracking
 Reminders
 Bulk Chargeback marking capability

31. 31
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

32. 32
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

33. 33
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*

34. 34
Extensible & Scalable Payments Platform

35. 35
WHY SafexPay?

36. 36
Contact us:
PAYGATE INDIA PRIVATE LIMITED
Mumbai Office:
627/628,Lodha Supremous iI
Wagle estate ,Thane West
Gurgaon Office:
879, Behind Trident Hotel,
Udyog Vihar- V, Gurgaon, India
Phone: 022-25940258/57/56
Email: contact@safexpay.com
Web: www.safexpay.com