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IBM Payments Gateway
MORE PAYMENT OPTIONS MEAN MORE COMPLETED SALES.MORE COMPLETED SALES.
IBM PAYMENTS.
2
Digitally empowered customers are changing the way commerce is done and while elusive they are extremely valuable to merchants and billers
Evolving customer behaviors and preferences create new consumer payments challenges and opportunities
4/5 20% 56% 17%
customers dislike
the checkout
process because
it is inefficient or
inaccurate.1
of millennials
would shop with
a digital wallet via
mobile device,
even while
making in-store
purchases.1
of customers
abandoned their
shopping cart
due to concerns
over payments
security.3
of online shoppers
want to see a
variety of payment
options at
checkout.2
1 Cognizant, Getting personal with shoppers, The Cognizant UK Shopper Study, 2013, http://www.cognizant.com/InsightsWhitepapers/Cognizant-UK-Shopper-Study-2013.pdf
2 Milo Local Shopping, NO CART LEFT BEHIND: WHY SHOPPERS AREN’T FOLLOWING THROUGH ON ONLINE PURCHASES, 2013, http://www.columnfivemedia.com/work-items/infographic-no-cart-left-behind-why-shoppers-arent-following-through-on-
online-purchases
3 Statista, “Why do online shoppers leave without paying?” 2012, http://www.statista.com/statistics/232285/reasons-for-online-shopping-cart-abandonment/3
The vast majority of merchants agree that accepting a larger variety of payment types would lead to more completed sales
56%
66%
53%
57%
Fewer barriers to buying for customers
Reduced cart abandonment
Expansion to new geographies / regions
71%
5%
more
1%
more
2%514%86%
45%
Slightly agree
41%
Significantly agree
8%
Neither agree or disagree
Advantages of More Payment Options for Consumers
51%
44%
geographies / regions
Greater sales in existing geographies /
regions 47%
IT Decision Maker
Business Decision Maker
2%
more
-3%
less
Other / unknown -1%
less
1%
2%
4
514%more think
variety leads to more sales
86%2%
Slightly disagree
1%
Unknown
3%
Significantly disagree
Merchants Who Believe More Payment Options
Leads to More Completed Sales
2016 IBM Payments Merchant Study
Keeping up with security mandates and managing multiple payment solutions impacts payment options and increases cost
The Average Number of Acceptance Solutions
Merchants Must Manage is 4.
45%
Slightly agree
41%
Significantly agree
86%12%
18%
1%1%
One
5
Merchants Who Feel Maintaining Security
Compliance Prevents Them from Offering More
Payment Types
2016 IBM Payments Merchant Study
2%
Unknown
18%
Do not agree
86%
17%
26%86%
managing 3 or
more payment
solutions
24%
Four
Two
Three
Five
Between Six and Ten
More than Ten
Most merchants indicate that the additional financial overhead prevents them from adding more payment options for customers
The Average Number of Employees Managing
Reconciliation and Settlement for Merchants is 21.
71%49%
Slightly
22%
Significantly
21%26 – 30 employees
26%16 – 20 employees
6
Merchants Who Feel Additional Financial Overhead
Prevents Them from Offering More Payment Types
2016 IBM Payments Merchant Study
71%
5%
Unknown
24%
Not Affected 14%
9%
8%
2%
16%6 – 10 employees
11 – 15 employees
21 – 25 employees
1 – 5 employees
> 30 employees
Unknown 3%
Eliminate Data Exposure and Privacy Concerns
CISOVP of Fraud PreventionDirector of Network Security________________________
Reduced Reconciliation Complexity and Cost
CFOExecutive Director of Payments
________________________
Deployment, Growth and Certification Abstraction
CTOVP of Payment TransactionsDirector of B2B________________________
Superior Customer Payment Experiences
CMOVP of e-CommerceDirector of Channel Sales________________________
IBM Payments Gateway was designed increase opportunities for sales growth and
decrease resource and development costs.
Increase transaction rate leverage by enabling
processing through multiple banks while
reducing cost through complex payments
reconciliation insight and chargeback dispute
analysis.
Assist counter-fraud
activities with complex
multi-bank reconciliation
and dispute insights while
eliminating concerns of
data at rest, regulation
compliance and system
exposure.
ConcernsCostLeverage the SaaS cloud
architecture to alleviate
time-to-market, scalability
and security concerns by
offloading the burden of
PCI-compliance, data
security and regulation
maintenance to IBM.
Abstraction ExperiencesOffer customers frictionless
and secure payment options across devices and channels,
reducing checkout abandonment and
improving the entire shopping experience with
over 170 payment methods in over 70 countries to help
your business grow globally.
Betterpayments.
Better experiences.
7
STREAMLINED RECONCILIATION AND LEAST-COST-ROUTING AND LEAST-COST-ROUTING MEANS BETTER MARGINS.
IBM PAYMENTS.
8
A complete solution for online consumer payment acceptance
More payment options means less cart abandonment and
increased sales.
More pre-integrated connections means faster time to market.
Accept Connect
Stronger security and deeper fraud analysis means more
trusted relationships.
Streamlined reconciliation and least-cost-routing means better
margins.
ManageSecure
9
A truly global solution with locale-specific
currency and payment type support.In use by manufacturers, credit processors, retailers, consumer services and telecoms around the world.
10
330+ TYPES
Large Payment Type VarietyGain Immediate Local Market Accessibility
95+ COUNTRIES
Tested and benchmarked to provide
exceptional performance when our clients
need it most.
Deployed on one of the world’s top 3 cloud platforms according to analysts and researchers. 1
BENCHMARKED
BEYOND 6,000 99.9992%
11
BEYOND 6,000
PAYMENTS PER
SECOND
1 Synergy, IBM, Amazon and Salesforce Lead in Cloud Infrastructure, 2014, https://www.srgresearch.com/articles/amazon-salesforce-and-ibm-lead-cloud-infrastructure-service-segments
99.9992%
UPTIME
Past 24 months
A consumer payment acceptance solution for retailers, merchants, and
billers
Pre-integrated to
hundreds of banks and
processors, IBM
automates payment
routing and secures
Payer
(Consumer)
Transaction
Acquirer
Payee
(Merchant)
Issuer
Processor
Instrument
Issuer
Network Acquirer
Processor
routing and secures
credentials across
digital channels.
12
Acceptance Technologies:
Payments Management:
Integrate through APIs to pre-integrated payment
methods, banks and processors around the globe.
A cloud-based payment management solution with one
view of payments and reconciliation across channels.
Acquirers/IssuersProcessors and
Third Party Providers
IBM Payments Gateway
Integration
APIs / HPP
PCI Data Vault
Tokenizer
in-app
online
in-store
Customer
Channels Merchant
web sites
mobile sites
call centers
IVR
mobile apps
agent cash ops
point of sale
order mgmt
{ JSON }javascript object notation
Digital
Wallet
E-Cash
Virtual Terminal
/ Admin
330+ traditional and
alternative payment types
Customer Choice
IBM Payments Gateway solution capabilities overview
funds settlement
billing
logistics
credit mgmt
loyalty
ledger
AR
treasury
iOS android
Automated Payment
Reconcliation
Payment
Switch
Counter
Fraud
funds withdrawal
fulfillment
255+ pre-integrated banks
and processors
Instant Access
13
IBM Payments Gateway provides additional advanced integration capabilities
Multiple Web, API and App Integration Options
• APIs – Provide full control of payment GUI and user experience, a
RESTFul (JSON) HATEOAS interface. Ready for web 2.0 and HTML5
with PCI-DSS insulation and a full suite of transactions, for all
payment methods. Can be extended with full Android and iOS source
code libraries.
• Hosted Payment Page - Embeds “payment page” into merchants { JSON }XML
14
• Hosted Payment Page - Embeds “payment page” into merchants
commerce site to receive and store payment info (e.g. credit card #)
within a PCI compliant vault requiring no additional development.
Comprehensive Payments Insight and Control
• Technical Issues
• Entry point: 2nd Level Support Desk
• Escalation: Support Desk Manager / Duty Manager
• Business Related Issues
• Entry point: IPG Account Manager
• Escalation: IPG Operations Team Lead / PS Operations
Manager
{ JSON }javascript object notation
iOS android
Highly secure data vault in the cloud and tokenized communication means no
longer having to manage customer credit data and security headaches in house
PCI Data Vault with Tokenization
IBM Payments Gateway stores all payment information in a PCI
vault where the information is encrypted, protected by strict
access controls, and purged when no longer needed. The vault
includes a tokenization mechanism that works in all interface
modules, tools, feeds and reports. This enables centralization
and outsourcing the storage of all payment information to the
15
and outsourcing the storage of all payment information to the
data vault.
Counter Fraud Prevention
• Address Verification Service (AVS) check
• Card Verification Code (CVC) check
• Card issuer and country check
• 3D secure cardholder authentication
• Dynamic security checks
IBM Payments Gateway provides complete reconciliation and insight into all
payments activity
Straight-Through Processing
Data feeds designed to lower manual workload and achieve
straight-through processing of payments.
• Automated closing and (re-)opening of accounts receivable
(A/R) records
• Automated posting of bank and processor fees
16
• Automated posting of bank and processor fees
• Automated cash application and deposit forecasting
Lower Settlement Costs
Automated reconciliation of funds settlement combined with a
managed service, which handles exceptions and ensures proper
settlement on every transaction.
• Controls over lost settlements, fees and downgrades,
settlement timeliness, and foreign exchange
• Managed service to reduce operating costs
THE COMFORT OF EXPERIENCE AND PROVEN RESULTS.AND PROVEN RESULTS.
IBM PAYMENTS.
17
600k
IBM Payments Gateway
A multi-national toy and board game company located in North
America was deploying a new online storefront solution for B2B
Better retailing
made with IBM
expected purchase transactions per year direct to the consumer via the online channel
subsidiary companies leveraging the same cloud-based payment system at checkout
America was deploying a new online storefront solution for B2B
and B2C sales. The company selected IBM Payments Gateway
to accept multiple credit/debit card, ACH and digital wallet
payment types along with a card-on-file solution to streamline
subsequent customer checkout experiences.
12
18
35
IBM Payments Gateway
A large North American telecom provider was facing a cost-
prohibitive upgrade to its payments system to meet new
Better telecommunications
made with IBM
internal systems aggregated to provide omni-channel support for payments
level of PCI compliance enabled via the cloud without any capital costs and delays in time to
market
prohibitive upgrade to its payments system to meet new
regulatory requirements. They also wanted to reduce customer
friction when making payments. The cloud-based IPG provided a
PCI compliant solution and card-on-file services to meet all
mandates and increase customer satisfaction.
1
19
250k
IBM Payments Gateway
A European transportation agency needed an easier and simpler
way to let their residents pay for peak traffic driving and express
Better cities
made with IBM
vehicles/owners in use that have accounts and need payments management
movements are tracked daily and corresponding payments must be processed when peak charges are
assessed
way to let their residents pay for peak traffic driving and express
lane surcharges which must be paid within 24 hrs of occurance.
The IPG solution expanded payment options to auto billing,
credit/debit card, IVR and SMS. The solution also simplified and
reduced fee collection costs as well.
450k
20
430
IBM Payments Gateway
A large European payments processor needed to develop a
strategy to compete in the digital wallet space against
Better financial services
made with IBM
million debit, credit pre-paid and commercial cards issued in processors’ regional footprint.
banks and member cooperatives that now have access to deliver a digital wallet solution
to their customers through the new service
strategy to compete in the digital wallet space against
competition like PayPal and Google Wallet for online, mobile and
NFC sales. The IPG solution was deployed to cardholders and
provides wallet services, payments gateway, merchant on-
boarding and hosted payment/checkout pages.
3700+
21
IBM is dedicated to your success, in your industry
Unparalleled Industry
ExpertiseExtensive Industry
Support Community
Significant Technical
Investment
• Accelerate solution design
and thorough business
process expertise
• Reduce project risk with
reusable implementation
patterns and support for
industry standards
• Extensive support, research
and domain leadership
across more than 40
industries and sectors
• IBM partners with the top retailers, merchants and billers in the world to invest
in innovative design,
functionality, and integration
• Dedicated resources within
Global Business Services
with an average of more
than 10 years of experience
• Services organization
closely aligned with software
products to effectively
translate technology into
business outcomes
• Over $3 billion invested in the last 3 years in Commerce to create a truly
smarter approach to
commerce
• Integrated products for easier
implementation and increased
speed to value
• Synchronized product
roadmaps across software
portfolio
22
https://ibm.biz/BdHKF3https://ibm.biz/BdHKF3
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