TOTAL-APPS Alternative Payment Solutions Program

8/2/2019 TOTAL-APPS Alternative Payment Solutions Program

1/17


2/17

ALTERNATIVE

PAYMENT

SOLUTIONS

Payment methods that arean alternative to Credit Cards.

Debit and Charge Cards

Stored Value and Reloadable Cards

Automated Clearing House (ACH)

Direct Debit and Bank Transfers

Bill Payment and Presentment

Home Phone and Mobile Billing

Checks and Money Orders

Other Proprietary Systems


3/17


4/17


5/17

ALTERNATIVE

PAYMENT

SOLUTIONS

Credit card penetration outside the USA < 10%

Alternative payments are just as popular

as credit card payments

Not everybody has or wants to use a credit card online

Consumers want more options

They want to use their own familiar

and convenient payment method


6/17

ALTERNATIVE

PAYMENT

SOLUTIONS

Removes language and currency barriers

Increases conversion with non-US traffic

Perfect solution if a credit card is declined

Risk-free, guaranteed payment, alternative for

high chargebacks and returns

WorldWideWeb needs WorldWideSolutions


7/17

ALTERNATIVE

PAYMENT

SOLUTIONS

Gives consumers more options to pay, no credit card needed

Convenience, trust and familiarity

Payment pages are in the consumers language

Transactions are in the consumers own currency,

regardless if merchant is foreign

Includes domestic support numbers

with native language support


8/17

ALTERNATIVE

PAYMENT

SOLUTIONS

Provides merchants with additional methods

to accept payments online from consumers worldwide

Proven solutions that increase sales

Less Risk - many alternative payments have

no chargebacks and funds are guaranteed

Perfect for shipping products without

the fear of chargebacks


9/17

ALTERNATIVE

PAYMENT

SOLUTIONS

Broadens the merchants reach and

provides access to millions of new potential clients

Competitive pricing and many solutions do not require reserves

Funds are automatically convertedinto the merchants currency of choice

Includes fraud scrubbing and supports

all billing schemes, recurring, cascade, etc.

Easy to implement and use


10/17

ALTERNATIVE

PAYMENT

SOLUTIONS

The same process as with Credit Cards

Same Target Market - Web-based Merchants

Fill out Merchant App - Collect Info

Underwriting - Restricted Merchants - High/Low Risk

Rates - Similar to Credit Card Rates - Reserves - Fees - Payouts

Add button to the Existing Payment Page


11/17

ALTERNATIVE

PAYMENT

SOLUTIONS

* = Chargeback & Reserve Free

Bank Transfer Payments

* DirectPay EU

* DirectPay US

* GiroPay

* iDEAL

* YellowPay

* PagosBancarios

* EPS

* Teleingreso

Charge Card Solutions

American Express

Discover Card

JCB

Diners Club

BC Card

Pulse

UnionPay

Prepaid & HybridSolutions

* Przelewy24

* PagosBancarios

* Teleingreso

* Mail-in

Debit Solutions

EuroDebit (SEPA)

Online Check US (ACH)

Online Check US (CND)


12/17

ALTERNATIVE

PAYMENT

SOLUTIONS

Initiative to create a European Financial Infrastructure

One Zone - 32 Countries

One Currency- Euro

All Electronic Payments Considered Domestic

No difference between domestic or cross-border payments

Enables customers to make cashless euro payments to anyone located

anywhere in the area using only a single bank account and


13/17

3 Countries 32 Countries

107 million population 515 million population

Austria, Germany, and the Netherlands.

Austria, Belgium, Bulgaria, Cyprus,Czech Republic, Denmark, Estonia,Finland, France, Germany, Greece,

Hungary, Iceland, Ireland, Italy, Latvia,Liechtenstein, Lithuania, Luxembourg,

Malta, Monaco, Netherlands, Norway,Poland, Portugal, Romania, Slovakia,

Slovenia, Spain, Sweden, Switzerland,and United Kingdom.


14/17

Being phased out over the next 3 years intoDirect Debit.

SEPAmandates banks to integrate. No changes.

Can be offered at the same time as Direct Debit.

Can be offered as an additional service to EU

Debit. No changes.

Covers 3 countries: Austria, Germany and theNetherlands.

Covers 32 countries** 36 countries***

107 million population 515 million population 590 million population

Requires account number and routing number.Requires IBAN & BIC/Swift Code. Requiressignature with a mouse (included in the API).

Requires name and creation of a password.

Pull - the system pulls (debits) the funds from theconsumers bank account.

Pull - the system pulls (debits) the funds from theconsumers bank account.

Push - the client initiates the transaction on theirebanking website.

Recurring possible Recurring possible No recurring

Refunds Possible Refunds PossibleNo ChargebacksNo ReservesGuaranteed Funds

EU DEBIT DIRECTPAY EUDIRECT DEBIT (new)

** Direct Debit: Austria, Belgium, Bulgaria, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania,Luxembourg, Malta, Monaco, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland, and United Kingdom.

*** DirectPay EU: Andorra, Austria, Belgium, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Gibraltar, Greece, Hungary, Iceland, I reland, Italy, Latvia, Lithuania,Luxembourg, Macedonia, Malta, Netherlands, Norway, Poland, Portugal, Romania, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland, Tunisia, Turkey, and United Kingdom.

ALTERNATIVE

PAYMENT

SOLUTIONS


15/17

ALTERNATIVE

PAYMENT

SOLUTIONS

PB

DirectPay

The Smart Button completes the buying process in a simple and intuitive format.


16/17

ALTERNATIVE

PAYMENT

SOLUTIONS

One Button - One Click

IP-Driven

40+ Languages Supported

Multi-Currencies

Customer Support

Admin Pages, Sales Reports and Stats


17/17

ALTERNATIVE

PAYMENT

SOLUTIONS

Documents

TOTAL-APPS Alternative Payment Solutions Program