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e-Payment Challenges e-Government's Challenges Symposium 2005
12 April 2005 Inter-continental Hotel Mamoun Eregat
Sales & Marketing Manager
Afkar Information Technology Ltd. w w w . a f k a r o n l i n e . c o m
© 2005 All Rights Reserved.
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Agenda
• Introduction
• The Challenge
• Q Pay – Case Study– Architecture Overview
– Interfaces and Processors– Web Access Administration
• Recommendations
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Introduction• e-Payment is on of the main challenges of
almost all e-business initiatives including e-govermnet
• Regional e-government project has already kicked-off
• By 2005, Global eCommerce 6.7 Billion with 90% from B2B
• More than QR. 90,000,000.00 has been successfully transacted electronically be Qatar e-govermnet gateway till now (Pilot & Portal).
• e-payments should be a strategic direction
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Approximately 80% of CEMEA e-commerce transactions were not addressed by payment cards
The Challenge
Payment Card Online
21%
Payment Card Online
64%
Other7%
Other18%
Bank or Post Office Draft /
Transfer16%
Bank or Post Office Draft /
Transfer10%
Cash On Delivery
56%
Cash On Delivery
8%
Source: Face of the Web Survey – Visa International – May 2001
CEMEA figures based on: Urban Egypt, Poland, Urban Russia, Saudi Arabia, Urban South Africa
CEMEACEMEA GlobalGlobal
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The Challenge , continue
• The lack of e-payment gateways
• The dependency of using Credit Cards for the existing e-payments gateway
• Total cost of integration and transaction fees were too high
• The lack of trust & e-trust
• The lack of legal framework
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Q Pay – Case Study
• Qatar Central Bank takes the initiative to provide QPay as the web based payment solution to facilitate
transactions payments online• QPay offers robust on-line payment solution for banks,
merchants and consumers• Flexible payment methods:
– Credit Cards– Debit (ATM) Card
– Pre-paid card– My bank account(s)
• QPay is Local, regional and international
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Architecture Overview
Bank 1
Bank N
Credit CardGateway
Customer
MerchantSite
Prepaid CardGateway
Payment SwitchNAPS - GCCNet
RTGS
QPayPayment Gateway
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Interfaces and Processors
Bank Connector 1
Credit CardPaymentInterface
Prepaid CardPaymentInterface
Debit CardPaymentProcessor
BankPaymentProcessor
Credit CardGateway
Prepaid CardGateway
QCB Payment Switch(NAPS, GCC
Other Networks)
Bank 1
RTGSConnector
QpayPayment Gateway
PrepaidConnector 1
PrepaidCard Management
Interface
Card Issuer 1
Credit CardProcessor
Processor Network
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Web Access Administration
Payment GatewayWeb Access
Module
MerchantWeb Access
Module
BankWeb Access
Module
QPayPayment Gateway
Customer
BankAdministrator
P.GAdministrator
MerchantAdministrator
E-WalletWeb Access
Module
QPay Domain
Au
then
ticatio
n M
od
ule
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Recommendations
• Governments should take the initiative of e-payments not only banks or private sector
• Implement campaigns and e-literacy initiatives• Offer additional Incentives for using e-payment• Introduce new payments mechanism like mobile
payments• Build more trust in using e-paymnets • Enroll QPay ASAP locally and regionally• Keep developing the experience through
feedback
Thank You