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DISRUPTOR: But digitally empowered customers are most concerned about credit fraud when paying online
of customers abandoned their shopping cart due to concerns over payments security.2
of online shoppers want to see a variety of payment options at checkout.1
1 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-purchases2 Statista, “Why do online shoppers leave without paying?” 2012, http://www.statista.com/statistics/232285/reasons-for-online-shopping-cart-abandonment/3
of consumers are afraid of having their credit card data stolen and abused – higher than those concerned about national security and war.4
DISRUPTOR: However, most consumers still trust banks to secure their data more than social and tech organizations
5%
2%
5%
84%
MostTrusted
Payment Solution
4%
Consumer’s Bank
Payment Service Providers
Other Suppliers
Tech Companies (Google, Apple)
Social Media (Facebook, Twitter)
Other Banks
1 ING International Survey 2015, http://www.slideshare.net/ING/ing-mobile-banking-2015-report
A complete solution for digital commerce payments
over 170 different payment methods with a deployment-ready solution
Highly ConfigurableConsistent Omni-Channel Shopping Experience
Customer-focused Services for Easy Repeat Purchases
to over 220 banks and processors in over 70 countries
Grow Globally Quickly and EasilyLocal Market Analysis & Worldwide SupportIBM Brand Recognition as a Business Partner
customer data to allow them to shop with confidence
PCI-Compliant Data VaultManage All Payment Credentials
Absorbs Regulation Compliance Burden
from a single view of payments across all channels and locations
Manage Payment RoutingAutomates Settlement Reconciliation
Straightforward Data Feed
6
Retail payments acceptance solution for merchants, processors and acquiring banks
7
Payer(Consumer)
TransactionAcquirer
Payee(Merchant)
IssuerProcessor
InstrumentIssuer
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.
Network AcquirerProcessor
A truly global solution with locale-specific currency and payment type support.
8
In use by manufacturers, credit processors, retailers and telecoms around the world.
MANAGE: IBM Payments Gateway provides complete reconciliation and insight into all payments activity
9
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• 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
SECURE: Highly secure data vault in the cloud and tokenized communication means no longer having to manage customer credit data and security headaches in house
10
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 data vault.
Embedded Fraud Prevention
• Address Verification Service (AVS) check• Card Verification Code (CVC) check• Card issuer and country check• 3D secure cardholder authentication• Dynamic security checks
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.
Leverage 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.
Offer 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.
IBM Payments Gateway generates deep engagement opportunities for banks with their
merchant customers.
11
Tested and benchmarked to provide exceptional performance when our clients need it most.
13
Deployed on cloud systems by IBM, one of the world’s top 3 cloud providers according to analysts and researchers. 1
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
IBM Payments Gateway is easy to integrate, easy to use and easy to manage
14
Multiple Web, API and App Integration Options
• JSON API – Provides full control of payment GUI and user experience, a RESTFull 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 Andoid and iOS source code libraries.
• Hosted Payment Page - Embeds “payment page” into merchants website 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
IBM provides reseller account management, Level 1, 2 and 3 technical and business support as part of the managed service
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Account Management and Trouble Ticketing
• Account Manager – a IPG account manager will be assigned to handle the IPG business related communication; such as inquiries, change coordination, and on-boarding coordination. The account manager will also provide the monthly business review report.
• Level 2 Technical Support - a 24/7 support desk available to all resellers. They handle all technical questions and all severity 1 and 2 incidents.
• Level 3 Technical Support - a team of specialists in IT operations and development. They are part of the advanced problem diagnostics and resolving team.
Comprehensive Support Structure
• 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
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
430
IBM Payments Gateway
17
A large European payments processor needed to develop a 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.
Better financial services
made with IBM
3700+
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
250k
IBM Payments Gateway
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A European transportation agency needed an easier and simpler 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.
Better cities
made with IBM
450k
expected purchase transactions per year direct to the consumer via the online channel
subsidiary companies leveraging the same cloud-based payment system at checkout
600k
IBM Payments Gateway
19
A multi-national toy and board game company located in North 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.
Better retailing
made with IBM
12
IBM is dedicated to your success, in your industry
Unparalleled Industry Expertise
• Accelerate solution design and thorough business process expertise
• Reduce project risk with reusable implementation patterns and support for industry standards
• The #1 Banking Industry provider as ranked by the FinTech 100
Extensive Industry Support
Community
• IBM partners with the top banks 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
Significant Technical Investment
• Over $3 billion invested in the last 3 years to create a truly smarter approach to commerce
• Integrated products for easier implementation and increased speed to value
• Synchronized product roadmaps across software portfolio