ibm payment gatewayfile/ipg_for_kundentag_2015.09.15.pdf · ibm payment gateway is a smart cloud...
TRANSCRIPT
What is IBM Payment Gateway
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IBM Payment Gateway is a Smart Cloud solution designed for seamless integration into your web sites, mobile sites, smart phone apps and call center
tools to drive lower cost per transaction and higher customer satisfaction for your payment transactions
IBM Payment Gateway is a global payment gateway, wallet and payment settlement reporting and reconciliation solution
IBM’s Payment Gateway can integrate throughout the life cycle of an order.
IBM Payment Gateway
Sales Channels Order Management After Sales Services Financial Back-End
• Omni-Channel
• Payment options
• AutoPay sign-up
• Payment authorization
• One-Click payments
• Payer authentication
• Fraud screening
• Installments
• Split payments
• Payment Promotions
• Payment Discounts & Surcharges
• Bank Independence
• TCO optimization
• Intelligent Routing
• Payment Reconciliation
• Straight-Through-Processing
• Virtual Account Payments
• Fraud case managment
• Pending payments
• Assumed Approvals
• Voice Authorizations
• Order release
• Payment Capture
• Partial Shipments
• Amount deviations
• Expired authorizations
• Search & Retrieve transactions
• Full and Partial refunds
• Alternative refunds
• Forced refunds
• Chargebacks
• SOD
Typical Card Transaction
Processor
sIBM Payment Gateway
API
Merchant
Ledger
Adv.RoutingBasic Fraud Adv. Fraud
Cross-channelCommerce
Engine
Checkout
Data Feeds
Reconciliaion
Shadow A/R
SettlementOperations
Web Tool
Logistics
Partner
Treasury
A/R
Merchant’s Accounting
Fulfilment
Order Management
WalletPCI Vault
Networks Issuers
Card
Associa
tion
Netw
orks
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678
910
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Solution Characteristics
• One common interface to global payments
• A single consistent format with fully harmonized codes and values across all tools, payment methods, countries, and processors
• Option to start with a basic solution, and plug-in more advanced features in step with your business.
• Flexibility to add new countries, payment methods at the “click of a button“
• Full suite of interface modules including GUI’s, web services API, Reports and Data Feeds.
• Pre-integrated with IBM Smarter Commerce
• Customers can freely mix channels on the same order
• Web, mobile commerce, smart phone app, call center, IVR, EIPP and physical stores
• Secure Batch Processing
Easy Integration Omni-Channel Capabilities
• Leverage your existing payment assets and honor you corporate banking relations and obligations
• Free access to a long list of banks and payment processors already connected to IBM’s platform
• Free access to new banks and processors on IBM’s roadmap
• Low fixed fee for enabling any other bank or processor of your choice
Bank Independence
• PCI DSS Certified solution and service
• Automatic compliance with card association rules, National Automated Clearing House rules, data privacy rules and Web Content Accessibility Guideline
PCI Compliance and Security
Delivery Models
Payment Type Selection
• Access to more than 157 payment methods, via 277 pre-connected banks & processors, in 162 countries and 115 currencies
• Connection factory for simply adding new types
• Complete set of reconcilation support reports• User friendly portal for direct transaction interrogation
Robust Reconciliation Support tools
State of the art Graphical User Interface
Accordion-based GUI design allowing users to complete payment checkout in as few pages and steps as possible.
Convenient one-click payments for returning customers.
Step-up-security – that does not harass your good customers with intrusive security checks, and which does step-up security behind the scenes, based on customer history and customer behavior
Payment Review function enabling users to review their payment before it is processed
Homogeneous and consistent checkout experience, that blends seamlessly into our client’s web sites and mobile apps.
Dual Processor, Assumed Approval and Voice Authorizationfunctions, eliminating all exceptions that would otherwise prevent good customers from completing their payments.
Full control of payment GUI and user experience
RESTFull HATEOAS interface
Ready for web 2.0 and HTML5
PCI-DSS insulation
Full suite of transactions, for all payment methods
Internet, phone and mail order sales
A/R and billing operations
Collection of overdue payments
Refund / credit management
Search and Query historical data
Browse reports
Andriod and iOS versions
Delivered as source code for easy modification
JSON API Virtual Terminal Web Tool
Android & iOS Libraries Reports & Feeds
IBM's JSON interface facilitates easy implementation of JavaScript based payment applications for PC's, tablets, mobile phones, and a range of other devices.
A web application designed for point-of-sales, call centers, and back-office payment operations
Function libraries for easy implementation of applications, based on IBM’s JSON API
Daily reports available via e-mail or web access
Data feeds, designed to help merchants achieve straight-through- processing of payments in their financial systems
PCI Vault Switch
Wallet Basic Fraud Prevention
Access to more than 157 payment methods, via 277 pre-connected banks & processors, in 162 countries and 115 currencies
IBM Payment Gateway stores all payment information in our PCI vault where the information is encrypted, protected by strict access controls, and purged when no longer needed
The PCI vault includes a tokenization mechanism, that works in all IBM Payment Gateway interface modules, tools, feeds and reports
Clients can utilize the PCI vault to centralize and outsource the storage of all their payment information to IBM.
Address Verification Service (AVS) check
Card Verification Code (CVC) check
Card issuer and country check
3D secure cardholder authentication
Dynamic security checks
A powerful service to improve customer loyalty
Store all your customers payment details in wallets
On-the-fly registration
Customer self service
One-click payments
Auto-Pay from wallets
Card and bank account details automatically kept up-to-date
Reconciliation Engine
Settlement Reconciliation Straight-Through-Processing
Automated reconciliation of funds settlements from banks and processors combined with a managed service, which handles exceptions and ensures that our clients get proper settlement into their bank account on every transaction.
A series of daily data feeds, designed to help merchants minimize their manual workload, and achieve straight-through processing of payments in their financial systems
Automated closing and (re-)opening of accounts receivable records in a merchant’s A/R system
Automated posting of bank and processor fees in a merchant’s accounting system
Automated cash application in a merchant’s treasury system
Reconciliation issues
Lost settlements
Fee and downgrade issues
Settlement timeliness
Amount deviations
Foreign exchange issues
IBM Payment Gateway – Data Centre Characteristics
Dual-site active-active configuration
Two fully independent systems, installed in two data centers, in Broendby and Ballerup, Denmark
Global traffic management between systems (sites)
Near real-time mirroring of data
Rolling maintenance process
High availability
Instant recovery, with near zero data loss, in case of a disaster
PCI-DSS Certified
Payment processing delivered as a cloud computing service
Industry grade service levels
Client system(s)
+99.95% service availability
Sub-second response times
ITIL based services
Regulatory compliance
Redundant Processor Setup
Assumed Approval solution
Referral Solution
PCI Compliance Toolset
Why IBMPayment Gateway Simple Path to future proofing
A single point of integration to core systems, Multi-processors, currencies, languages, payment methods (current or yet to come) and interface technologies can be handled with out any changes to that integration.
Simple Path to Customer Convenience
Large footprint with extensive direct connections to processors, banks and alternative payment methods allows for fast implementation and provides customers with the payment methods that are convenient to them.
Simple path to Lower administrative costs
The IBM virtual terminal is processor and bank agnostic, one terminal can be used by the CSR or back office from any delivering/support center to see and access transactions for direct intervention in customer support situations – charges, refunds, status information, transaction status etc.
Shadow A/R system and associated settlement reporting simplifies cash/treasury management with daily deposit forecasts, deposit advisory, settlement and variance reporting. The system can be set up for STP and cash posting reducing FTE requirements in the back office.
Simple Path to lower PCI burden
All CC and PCI eligible data is routed directly from the terminal to the IBM systems and returning data is tokenized thereby reducing the scope of PCI compliance for core systems.
Country Reports
Get access to our library of more than 50 country reports.
ABSTRACT OF A COUNTRY REPORT
Size and growth of the e-commerce market
List of top-20 domestic merchants
Overview of payment methods
Market share of each payment method
Payment methods accepted by the top-20 merchants
Key characteristics of each payment method
Top acquirers & payment processors
Country specific payment checkout procedures
Practical payment checkout implementations
How is the payment checkout process typically implemented
Payment checkout forms from top-20 merchants
IBM’s recommendations
Payment Method Acceptance at Top Merchants in Germany, 2013
0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100%
Giropay
Click & Buy
COO
EFT
Financing
Sofortüberw.
Invoice
CoD
ELV
PayPal
Credit Card
Top-1000
Top-20
Payment Fees in % of Revenue, Germany 2013
0,0% 0,5% 1,0% 1,5% 2,0% 2,5% 3,0% 3,5%
Invoice - Merchant
Financing
Credit Card
PayPal
CoD
Giropay
Invoice - Factoring
Sofortüberw.
ELV
EFT
Market Share of Payment Methods in Germany 2011, 2013
0%
5%
10%
15%
20%
25%
30%
35%
Invoice Card ELV PayPal EFT Financing CoD Sofort
2013
2011
Each report contains a detailed analysis of the payment market and industry in a country
Fingertips!
Knowledge at
your