View
2.555
Download
0
Category
Tags:
Preview:
DESCRIPTION
Citation preview
Hong Kong . Thailand . Singapore . Philippines . China
Who we areAsiaPay provides one of the most comprehensive, secure, cost-effective payment solutions and services to banks, merchants and individuals.
First in Asia• First leading electronic payment service provider and gateway
solutions provider in Asia
• Currently serving 11 leading banks in HK / Asia
• Serving over 2,000 leading merchants in HK / Asia
• Market leader in HongKong, now expanding to the rest of Asia.
First in the Philippines• The premier payment and eCommerce solutions provider affiliated with the leading bank & Philippine credit card acquirer: BDO
• PesoPay – the first eCommerce payment service to Merchants
• eBigay – the first to enable the non-profit organizations to receive online donations
• First to partner with four largest international credit cards: Visa, MasterCard, American Express, and JCB.
Expansion Map - 2007 Expansion Map - 2007
PesoPay and BDO direct merchantsPesoPay and BDO direct merchants
Asian Bank and Merchant Reference (80% market share in HK)
Asian Bank and Merchant Reference (80% market share in HK)
Financials
eBusinesses
What PesoPay can do for you
Increase AffordabilityPesoPay can make your products simulate the way Filipinos love to pay.
• eCommerce is eTingi.
• Filipinos appreciate minimal amount of payment in buying products.
• PesoPay enables your customers to avail of your products by allowing them to pay a minimal amount using their credit cards.
• eCommerce is eGives.
• Filipinos like to pay through recurring payments.
• PesoPay enables you to create recurring payment products for your customers.
• eCommerce is eHulugan.
• Filipinos have the concept of advanced prepayment.
• PesoPay enables your customers to do advanced prepayment for your products.
Expand Availability
• Filipinos are not just in the Philippines, there are 15M Filipinos who are working and living in 190 countries.
• PesoPay enables you to reach this exploding global Filipino market with great purchasing power who use their credit cards from anywhere in the world.
How PesoPay works
The Recipe for eCommerce
Before you have eCommerce, your company must have these things:
• Merchandise – Products / services to sell online
• Website – a website that is shopping cart enabled
• Reputable company – solid business with proven track record
How a typical eCommerce transaction worksHow a typical eCommerce transaction works
Step 1: Select an item and add to cart
How a typical eCommerce transaction worksHow a typical eCommerce transaction works
Step 2: Once shopping cart is filled, confirm check out purchase
Flow: PesoPay eCommerce Flow: PesoPay eCommerce
Send to bank for processing
Return payment result via- return URLs, - returned data feed, and - result email notification
Choices of:- Sales and/or- Authorisation only
Step 3: Payment page appears
Step 4: Enter credit card no., expiry date, card verification no. (CVN)
PayGate – What happens to your online transaction PayGate – What happens to your online transaction
• Multi-lingual• Multi-currency• Multi-payment instrument• Multi-channel• Multi-interface• Multi-user
Internetwith SSL
Acquring Bank
FrameRelay
Bank InterfaceProgram
Firewall
WebServer
DatabaseServer
ApplicationServer Load
Balancer
Internetwith SSL
Merchant'sOnline Shop
SMS toMobilePhone
WirelessPOS
PDA withmCert
Notebook withWireless device
Telco
PayGate
5. Transaction is approved/disapproved by the bank and credit
card company
1. Customer shops online
2. Transaction is encrypted with 128-bit
SSL secured
3. Transaction can be made thru various
channels
4. Transaction is received by AsiaPay server protected with
firewall
Overview of PesoPay Merchant Account: Managing your eCommerce payment facility
• Shows a transactional summary overview
• Provides a search criteria to generate transactional reports
• Enables you to create new payment products via SchedulePay
• Enables you to manage transactions (Void, Refund, Chargeback)
• Enables you to control security settings of your payment facility
• Allows you to manage user access and control over the Merchant account
Merchant Admin – Report & Processing ToolsMerchant Admin – Report & Processing Tools
Consolidated Sales View
Access tofunction groups
Real-time News
Shows a transactional summary overview
Merchant Admin – Report & Processing ToolsMerchant Admin – Report & Processing Tools
Support real-time:• Void sales• Capture (price down)• Refund Request• Settlement Request• History Download (CSV)• Auto-capture• Auto-settlement
Provides a search criteria to generate transactional reports
Merchant Admin Tools & Security Measures (PayAlert) Merchant Admin Tools & Security Measures (PayAlert)
Real-time Alert Lookup
IP/Country Trace
3D AuthenticationStatus
CVV2/CVC2 Flag
Valueadd Processing Capabilities Valueadd Processing Capabilities
eMOTO
SchedulePay
PayLink (demand payment)
Backend Administration Menu Backend Administration Menu Backend Administration and Controls Backend Administration and Controls
Merchant Profile Control Maintenance
System Maintenance Control
User Access Control
Negative Card / IP filters
Audit Trail
Range of Sales, Chargeback, transaction,
settlement reportings and controls
(optional) SMS notification and alert capability
Web MOTO
User reference materials, forms
and contact
Range of Sales, Chargeback, transaction,
settlement reportings and controls
Web MOTO
When your PesoPay Merchant account is approved and your website access is shared, your eBusiness and website can be instantly activated by AsiaPay.
1. Done! Activation and Testing Service
Your website is already live and ready to accept online credit card transactions when we turn over your PesoPay merchant account.
2. Shop! Shopping Page Integrated in Your Website
Your customers can instantly shop for your products and services.
3. Sign Up! Customer Profile Registration Page Done
You can collect customer's profile information readily.
4. Check Out! Check Out Page is Already Connected to PesoPay Online Payment Gateway
Your customers can checkout and immediately pay via credit card.
5. Sales! Login and Monitor Sales Transactions in Real Time!
Your PesoPay account will already be live and reflect in real time the transactions received.
PesoPay Express ActivationPesoPay Express Activation
Top transaction benefits for PesoPay merchants
• Manage Void transactions
• Void – you can void sales if transaction is not yet settled to the Bank
• Manage Refund transactions
• Refund – you can refund sales if transaction has been settled to the Bank
• Manage Chargeback transactions
• Chargeback – if there is a dispute with the transaction which has been settled to the Bank
• Set transaction limits
• Manage customer behavior
• Thwart fraud behavior
Top security benefits for PesoPay merchants
Transaction Security
• 128-bit SSL transaction encryption
• Transaction origination IP trace and reporting
Payment Authentication
• Real-time reject on lost/stolen cards and insufficient funds
• 3D authentication – another layer of security which validates if the user has entered the correct 6-digit PIN of credit card
• CVV/CVC validation – validates if the user has entered the correct last 3 digits at the back of of the credit card
Operations Control / Control Validation
• PayAlert – fraud pattern analysis and real-time alert on fraud-potential transactions
• Excessive card use blocking
• Card from high-risk country blocking
Access Control
• User ID and password control, and invalid retries log
• Access audit trail
System and Network Security• Dedicated end-to-end frame-relay leased line connection• Firewall, database and network securities
eCommerce before PesoPay
• Expensive investment. Philippine merchants had to develop an eCommerce payment and security facilities from scratch.
• Large hold deposit. The acquiring bank required at least Php 500,000 deposit to safeguard business risk of signing up a new online merchant.
• 4.5 % MDR. 4.5 % Merchant Discount Rate (MDR) has been the prevalent rate of the Bank for eCommerce.
eCommerce now with PesoPay
• No investment. Philippine merchants can enjoy PesoPay eCommerce account with full control of transaction management and security.
• No hold deposit. Total deposit is now waived because PesoPay system is present, charging is pay as you go.
• Same MDR plus small fee. Still 4.5% MDR plus PesoPay service fee.
Why AsiaPay
• Dedicated – we are an ePayment service and solution, and web solution provider in HK with a “committed product roadmap”
• Strong and professional – we have the payment processing and security expertise for feature-rich and user-friendly solutions and services
• Innovative and cost-effective payment and web solutions
• Quality and experienced merchant account and eCommerce service and support over 5 years
• Reliable, secure, and high performance platform with latest processing and security technologies
• Strong and professional payment partners
• Strong alliance with leading card companies, industry related technology companies
6th IT Excellence Award - Silver
6th IT Excellence Award - Silver
What Regional Clients say
“…our merchants can adopt their payment solution to talk with our infrastructure to process online Visa, MasterCard and Diners transactions in a secure and reliable topology…”
………………..Citibank HK, a leading international bank
“…We find the gateway being highly secure, reliable, and function-rich. The functionalities and performance has been well received and satisfied by our staff operating the gateway with the ease of operations and differentiated features…”
………………FuBon Bank, a leading Asian bank
“…decided to switch to AsiaPay to achieve cost savings and improved availability….We have not only attained significant cost savings, but also substantially enhanced our services our customers with more payment options with enhanced security,….appreciate their tireless efforts in meeting our needs and proactiveness in adding value to their services…”
………………SaSa.com, a leading cosmetic retailer
Hong Kong . Thailand . Singapore . Philippines . China
Contact for Further QuestionsAndrian Lee
General Manager,Philippines & Emerging Markets
Tel: (632) 8870088, 8872288Email:
andrian.lee@asiapay.com
Peso PesoPay or Dollar PesoPay. Settle your choice!Peso PesoPay or Dollar PesoPay. Settle your choice!
When you avail of the PesoPay eCommerce Service, your company has the option to choose Peso settlement, US Dollar settlement or both.
You can choose to avail USD as the primary settlement choice, no need to apply for Peso settlement first.
No need to open Peso or Dollar account with the Bank, we will issue PHP or USD denominated checks for your proceeds per your settlement choice.
Recommended