1) The document discusses various online payment options including e-wallets, online payment gateways, bank transfers, and cash on delivery. 2) It promotes the benefits of using e-wallets like NgânLượng.vn for both businesses and individuals, highlighting convenient payment methods, safety, trust, reasonable expenses, and success of global leaders like PayPal. 3) PayPal is presented as the leading e-wallet with over 250 million accounts globally and being more popular than Visa/Mastercard in some markets due to its ubiquity and integration with many online stores.

1. ONLINE PAYMENT
ACTUAL SITUATION & POTENTIAL
Mr. Trần Việt Vĩnh
Business Excutive & PT Partner
E-Wallet & Payment Gateway NgânLượng.vn

2. CONTENT:
• The success story of PayPal.com
• Overview of The Online Payment Market
• Why should businesses/ Individuals use E-Wallet?

3. The common forms of payment in E-Commerce
Online payment
gateway
Bank: Internet/
mobile
banking, ATM
E-Wallet
Through Telco:
SMS, prepaid
cards, accounts
Delivering and
collecting
(COD)

4. Making Payment by Telco’s service
1) Text SMS
2) Prepaid Cards
3) Mobile Accounts

5. Making payment by Internet/mobile banking, ATM
1) Mobile/SMS Banking 2) Internet Banking

6. Making Payment by Intermediate Payment Gateway
Banks Businesses

7. Making Payment by Intermediate E-Wallet
Pay immediately or retain temporarily
Deposit
Buyers’
E-Wallet
Sellers’
E-Wallet
Withdraw
Buyer’s
credit
card, bank
account
Seller’s
bank account
Online, Offline Online, Offline

8. Making Payment on Delivery (COD)
Seller deliver goods and
collect money at buyer’s
place

9. CONTENT:
• Overview of Online Payment Marker
• Why should businesses/ individuals use E-Wallet
• The success story of Paypal.com

10. REASON (1):
VARIED AND SIMPLE PAYMENT METHODS: BANK AND NO-BANK
DEPOSIT/ PAYMENT SOURCE WITHDRAWAL SOURCE
Online
Internet Banking – All
banks in Vietnam Offline
International credit cards
(VISA, MasterCard, JCB
…)
Transactions of
NgânLượng.vn
Prepaid phone cards:
Vinaphone, Mobiphone…
Offline
More than 30.000 postal
transactions Online
Banks Transfer to bank’s
account
Bank’s ATMs
Transactions of
NgânLượng.vn

11. REASON (2): SAFETY
Survey: Why don’t you (customers) go shopping onine?
???
Don’t want to disclose financial information on the Internet
Want to see/ touch the product before buy it
Enjoy searching online but buy the product at the store
Don’t have bank account
Worry about the risks after hearing several frauds
Extremely high shipping costs
Information of 650,000 credit
cards may have been stolen
650,000 customers’ personal
information of J.C Penney and
100 retailers may be damaged
when the storage device was
stolen.
Sony: 75 million credit card
accounts’ data is threaten by
Play Station Hacking case.
Hackers that broke in Sony’s
PlayStation Network online
service may have stolen its
members’ credit card information.

12. REASON (3): TRUST
BUYERS ARE PROTECTED WHEN THEY BUY PRODUCTS AND MAKE ONLINE PAYMENT
Sellers
(1) Irrevocable payment.
(2) System automatically confirms after 7 days.
(3) Must lodge a complaint before the detaintion
period ends.
Receive notifications of
Shipping/ services
Receive payment
Dispute
Resolve
dispute
Receive
products?
Certify

13. Reason (4): Sellers are protected (Charge Back)
Solve
troubles
Protect the
sellersReduce risks
Verify the buyer: card,
bank account, delivery
address, valid
documents
(*) Leading technology, created by PayPal
Automatically check the
bank’s transaction
history, prevent or warn
the bank about suspects
(*)
Use tools that
automatically prevent
undesirable transactions:
nation, IP
address, buyer’s account
type
Contact the account
holder, the issuing
bank… to actively verify
and process
More than 2000 anti-
fraud experts, working
24/7 in the world
The lowest risk rate: less
than 0.17%
Be protected from
Charge back by following
the safety instruction
Fraud Compensation
Fund, nearly $200
million/ year
Some sellers in Vietnam using other
payment gateway loss money due to
charge back up to 20%

14. VÍ ĐIỆN TỬ ƯA THÍCH
NHẤT 2009 & 2010
REASON (5): REASONABLE EXPENSES
THE MOST SUITABLE SOLUTIONS FOR EVERY BUSINESS
E-Wallet
(NganLuong.vn)Comparision Other solutions
Initial cost 2M ~ 20M Free
Maintenance cost 6M ~ 24M Free
2.000 ~ 6.000 đ
1.000đ + 1%Transaction cost
+ 2% ~ 4%
Up to many months
depend on each bank
1 ~ 24 hours,Integration time
Every channel
Suitable for Big businesses All
Bank or not, both
is possibleCustomer Depend on each bank
Market Domestic Payment Domestic and more
Charge-back Self Management Low risk rate, supported

15. CONTENT:
• The success story of PayPal.com
• Overview of Online Payment Marker
• Why should businesses/ Individuals use E-Wallet?

16. The leading E-Wallet of online payment
An eBay™ company
• ~250 million accounts in 190 markets • $3 million USD of Mobile payment @
2011
• ~100 million active users  Mobile payment interface
 Mobile transfer app• ~110 billion USD each year TPV
 Digital content payment solution
• Millions of business are using it

17. Principal of operation
Money source Withdrawal
Buyers choose
forms of payment
Sellers choose forms of
withdrawal
Bank account
Credit card or
Debit Card
Credit card’s account
Bank account
Balance of PayPal E-Wallet
Balance of PayPal E-
Wallet
Shopping
Confidential and Proprietary 17

18. Leading of Web & Mobile Payment
 2010: $1.5 billion USD
 2011: $3 billion USD
 PayPal account for
>50% of the Social
Gaming payment
market in the world
Confidential and Proprietary 18

19. PayPal is more popular thanVisa/MC
Number of
PayPal
accounts
% of users
prioritize
PayPal*
Compare with
Visa Card &
Master Card
UK 20 million 35%
Australia 5 million
Precede Visa/MC
USA 80 million Equal Visa/MC
Europe 35 million
190 Markets ~250 million
31%
29%
23%
Precede Visa/MC
Equal Visa/MC

20. 200,000 subscribers
Confidential and Proprietary 20

21. Customers only buy if there is PayPal
Survey shows that: many customers decide to buy products just because
the website allows them to pay with PayPal
Businesses Buying rate because the website
has PayPal

22. The world's leading brands choose PayPal
Confidential and Proprietary 22

23. GÓI DỊCH VỤ “GIẢI PHÁP THANH TOÁN TOÀN DIỆN”
TÍCH HỢP 2 TRONG 1: CÔNG CỤ THU TIỀN TỐI ƯU CHO WEBSITE BÁN HÀNG
Vietnam’s
businesses receive
money from
~250 million buyers
worldwide
5,000+ businesses
receive payment from
millions of buyers
Confidential and Proprietary 23

24. Let’s share success!
E-Wallet
Business
User
Bank