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IBM Payments Gateway

IBM Payments Gateway

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Page 1: IBM Payments Gateway

IBM Payments Gateway

Page 2: IBM Payments Gateway

MORE PAYMENT OPTIONS MEAN MORE COMPLETED SALES.MORE COMPLETED SALES.

IBM PAYMENTS.

2

Page 3: IBM Payments Gateway

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

Page 4: IBM Payments Gateway

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

Page 5: IBM Payments Gateway

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

Page 6: IBM Payments Gateway

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

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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%

Page 7: IBM Payments Gateway

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.

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Page 8: IBM Payments Gateway

STREAMLINED RECONCILIATION AND LEAST-COST-ROUTING AND LEAST-COST-ROUTING MEANS BETTER MARGINS.

IBM PAYMENTS.

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Page 9: IBM Payments Gateway

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

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Page 10: IBM Payments Gateway

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.

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330+ TYPES

Large Payment Type VarietyGain Immediate Local Market Accessibility

95+ COUNTRIES

Page 11: IBM Payments Gateway

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%

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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

Page 12: IBM Payments Gateway

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.

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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.

Page 13: IBM Payments Gateway

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

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Page 14: IBM Payments Gateway

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

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• 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

Page 15: IBM Payments Gateway

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

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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

Page 16: IBM Payments Gateway

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

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• 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

Page 17: IBM Payments Gateway

THE COMFORT OF EXPERIENCE AND PROVEN RESULTS.AND PROVEN RESULTS.

IBM PAYMENTS.

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Page 18: IBM Payments Gateway

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

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Page 19: IBM Payments Gateway

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

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Page 20: IBM Payments Gateway

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

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Page 21: IBM Payments Gateway

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+

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Page 22: IBM Payments Gateway

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

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Page 23: IBM Payments Gateway

https://ibm.biz/BdHKF3https://ibm.biz/BdHKF3