At Cartes 2013 in Paris, VeriFone's Alan Moss presented on the topic of Multichannel payments and how payments are becoming more complex. But VeriFone Point can help simplify payment complexity. See how in this Slidshare presentation.

1. MULTI-CHANNEL PAYMENTS –
UNLOCKING THE POTENTIAL
Alan Moss

2. MORE GOOD NEWS FROM MARIO...
€ 1.900 Bln
37,2 Bln (+9%)
8,8 M
Use of the Main Payment Instruments in the EU (2000-2011)
Number of Transactions
per Year in Billions
40
Credit transfers
35
Direct debits
30
Card payments
Cheques
25
20
15
10
5
0
2000
2001
2002
2003
2004
2005
Source: ECB Blue Book, Sept 2012
2
2006
2007
2008
2009
2010
2011

3. C A R D PAY M E N T S P E R C O U N T R Y
94% of all EU transactions from 12 countries
10,000
9,000
8,000
450
9,434
Transactions in Millions
401
7,625
350
329
7,000
6,000
5,000
400
390
Value/Terminal K€
311
307
300
258
250
234
201
4,000
200
177
150
3,000
2,721
2,324
2,173
113
1,746
2,000
1,227
69
1,000
2,019
90
1,736
1,092
1,049
100
74
996
942
50
0
0
Source: ECB Blue Book, Sept 2012
3
EU Avg

4. C H A N G I N G PAY M E N T S M I X – U K E X A M P L E
Card Not Present playing an increasing role
9,000
CNP
8,327
Face-to-Face
8,000
7,430
Transactions in Millions
7,024
7,000
6,560
6,166
6,000
5,000
4,000
3,000
2,000
1,000
0
729
2007
792
878
2008
2009
Source: Payments Cards & Mobile/UK Payment Statistics
4
995
2010
1,108
2011

5. C H A N G I N G PAY M E N T S M I X – U K E X A M P L E
Card Not Present playing an increasing role
Telephone
Order
22%
Internet
76%
Mail Order
2%
CNP Transactions
Source: Payments Cards & Mobile/UK Payment Statistics
5

6. CHANGING POINT OF INTERACTION
Dramatic changes converging to transform consumer behavior
Online
Multichannel
Stationary
Mobile
Plastic
Omnichannel
In The Cloud
NFC, Mobile, QR, GPS
6
The Universal Merchant
Offline

7. T O D AY ’ S C O N S U M E R I S C O N N E C T E D
Consumers know
Consumers what
What they want
Better selection
Who has it
Better service
What is costs
Better pricing
7

8. R E TA I L E R S A L S O H AV E N E E D S
Make me faster and more nimble and make changes simple
Solve all my payments problems, not just one component
Give me a long term payments road-map to prevent frequent
unplanned changes
Secure my cardholder data, take store systems and integration out
of scope
A partner who can bring together a comprehensive multi-faceted
solution
Let me focus on the consumer and my business to innovate the
store experience
Drive footfall, increase spend or reduce cost
8

9. I N T R O D U C I N G PAY M E N T S A S A S E R V I C E
Everything required for secure and reliable payment acceptance
Point’s Payment-as-a-Service Platform
Any processor/acquirer
Loyalty
TransporT
Consumer
Vouchers
Invoices
Key Facts
Direct
debit
Coupons




Terminal/
VAS
Restaurants
mCommerce
Point’s secure
proprietary
network
(secured
transmissions)
Any Service Provider
(loyalty, coupons, pre-paid,
vouchers, etc.)
Point’s gateway
(bank/acquirer-neutral/
PCI-certified)
Hotels
Proprietary secure network
PCI DSS certified
Multi-channel capabilities
Open platform (acquirer
and third party neutral)
9
 200 million transactions per month
 Connected to 50 acquirers
 Expanding to new markets in
Europe as well as outside Europe
Some 3rd party providers
hosted by Point
Credit/debit
cards
Shops
Secure gateway
eCommerce/
online payments
Point Software & Industry applications
Payment Methods

10. MANAGED SERVICE INFRASTRUCTURE
Point-of-Sale Solutions
Reporting and Management
Card Payment
Fixed*
Portable*
Mobile
* Standalone or Integrated with POS
Internet/CNP Solutions
Gateway
Enter Card:
Internet
Mail Order/
Telephone Order
Recurring
Payments/
Subscriptions
Value Added
Services
10

11. C O M P E L L I N G VA L U E P R O P O S I T I O N
Simple monthly fee pricing structure
No capital expenditure
No accreditation fees
Easy to integrate
Easy to implement
11

12. COMBINING MOBILITY AND MEDIA
Web Portal
Authorisation
Settlement
PAYware
Merchant
Store and
Forward
PAYware
Merchant
Managed
Service
RBS
Worldpay
5,500+ EMV contactless payment systems for card acceptance
12

13. HARNESSING THE SMART DEVICE
Enterprise
Micro
Merchant
13

14. IN-STORE MOBILITY
GlobalBay mobile POS applications
Increase revenue with access to near real-time
inventory, pricing and on-the-spot credit card
transaction
mPOS
iPad Retailing
Eliminate line abandonment and convert sales
by expediting checkout
Encourage repeat customers by improving
the customer experience with personalized
one-on-one attention
Clienteling
Create new sales opportunities outside of the store
Inventory Mgmt.
Empower workers with up to date information from anywhere
14

15. MANAGING NFC INFRASTRUCTURE
Mobile Commerce Apps
NFC Issuance
Payments
Coupons/
Promotions
Tickets
TSM
NFC Acceptance
Prepaid/
Loyalty
VeriFone Estate
Management
App & Terminal Mgmt.
OTA
Provisioning
PAYMEDIA Network
Services
Transaction Mgmt.
& Routing
MNO
Wallet App
NFC App Manager
Open API
Secure Element
Flexible NFC App Software
Common Interface Standards
15

16. BENEFITING THE MERCHANT
Make you more nimble to support a faster pace of innovation
Future-proof your payment system
Eliminate the complexity of payment system changes
Secure cardholder data and take your store systems out-of-scope
Improve the in-store shopping experience
Enable you to concentrate on your customers
Solving the total payments problem so you can focus on your business
16

17. COMPLEXITY
17

18. C O M P L E X I T Y I S A N O P P O R T U N I T Y AWA I T I N G …
SIMPLIFICATION
18

19. MULTI-CHANNEL PAYMENTS –
UNLOCKING THE POTENTIAL
Alan Moss