Advantages of having
integrated ePayments and
eCommerce
By Fauwaz Hussain
Nodus Technologies Inc.
GPUG® Summit 2011
November 8-11
Caesars Palace – Las Vegas, NV
Agenda
 Introduction
 Integrated Solutions
 Nodus Automated SOP and Payment
Solutions
 Nodus Advantage
 What is PCI-DSS?
 How Nodus can help achieve PCI?
GPUG Summit 2011– Las Vegas
www.gpug.com
Nodus Technologies, Inc.
Fauwaz Hussain
Channel Sales Manager
fauwaz@nodus.com
909-482-4701 x239
GPUG Summit 2011– Las Vegas
www.gpug.com
Nodus Technologies, Inc.
®
Microsoft Gold Certified ISV (Independent Software Vendor)
 Started since 2002, Nodus is the leader in ePayment &
Business Process Automation in the Microsoft Dynamics
GP Market.
 Focus on automating SOP and Payment Collections for
superior Order-to-Cash performance.
 1,000+ Customers globally
 PA-DSS Certified Credit Card payment application
seamlessly integrated with Dynamics GP for PCI
Compliant.
GPUG Summit 2011– Las Vegas
www.gpug.com
Integrated Solutions
 Applications Integrated Directly with
Financial or Accounting Systems
 Integrated Credit Card Processing
Applications, e.g. Credit Card Advantage
 Extending Integrated Solutions to Internet
– Integrated eCommerce Solutions, e.g. eStore
Solution Stack
– Integrated Online Bill Payments, e.g. ePay
Advantage
GPUG Summit 2011– Las Vegas
www.gpug.com
Benefits of Integrated
ePayment Solutions






Reduce Processing Time
Reduce Errors in Double Data Entry
Allow Automation of Recurring Transactions
Improve Reporting and Reconciliation
Simplify Administrative Tasks
Can Be Fast, Secure, Reliable and Meet
PCI compliance
– Reduction of Chargebacks; Fraudulent
Charges; Cost of Processing
GPUG Summit 2011– Las Vegas
www.gpug.com
End-Results
 Save Money, Improve Operation Efficiency!
 Cost per Payment using a Paper Check is
$2.60
– Study Done by NACHA (National Automated
Clearing House Association)
 Indirect cost per payment including dispute
resolution can be between $10 to $20
– The Institute of Management & Analysis and
Gartner Group’s Benchmark Studies
GPUG Summit 2011– Las Vegas
www.gpug.com
Benefits of Integrated
eCommerce
 Sales Order Directly Integrated, Reduce
Extra SOP Data Entry
 Real-Time Synchronization of Inventory
 Pricing and Tax Management in Sync with
Financial System
 Track Online/Offline Customer Information
 Improve Fulfillment Process
 Allow Effective Procument Automation
GPUG Summit 2011– Las Vegas
www.gpug.com
End-Results






Better Inventory Management
Better Customer Care
Improve Financial Visibility
Know What are Selling in Near Real-Time
Reduce Cost
Improve Competitive Position
GPUG Summit 2011– Las Vegas
www.gpug.com
Nodus Integrated Solutions
Focus on SOP and ePayments
• For MOTO, or Call Center Electronic Payments Collection
 Credit Card Advantage & CRM Charge
• For No-touch Enterprise e-Commerce SOP
 eStore Solution Stack
• For B2C & B2B Online Bill Pay
 ePay Advantage
•
For Sales Order Entry Anywhere, Anytime
 eSOP Advantage
• Gateway and Merchant Account Services
 Reduce Hassle and Cost Saving
GPUG Summit 2011– Las Vegas
www.gpug.com
Nodus Technologies, Inc.
Integrate and Automate e-payment and
eCommerce Business Processes
GPUG Summit 2011– Las Vegas
www.gpug.com
Nodus Advantage
 Nodus Ties ePayment from Different Sources
Together with Dynamics GP
 Allow Organizations to Automate ePayment
and eCommerce Processes Seamlessly with
Dynamics GP
 Commitment to Meet the Most Stringent PCI
Data Security Standard
 One Stop Shop for ePayment Applications
and Services to Save Time and Money
GPUG Summit 2011– Las Vegas
www.gpug.com
WHAT IS PCI DSS?
 Payment Card Industry Data Security
Standard
 Multi-faceted Security Guidelines including,
–
–
–
–
Policies & Procedures
Network Infrastructure
Application Software Design
Other Critical Protective Measures
 Mandate Organizations to Protect Sensitive
Customer Data
GPUG Summit 2011– Las Vegas
www.gpug.com
On Premise Option
 Customer Can Store Sensitive Credit Card
Information on Premise
– Company Data Security Policy
– IT Infrastructure Must be Secured
– Quarterly Vulnerability Scanning of External IP
Addresses
– All Sensitive Credit Card Data Must be Encrypted
with Split Key Control and Encryption Key
Rotation Management
– Data Access Control
– Provide Audit Trail
GPUG Summit 2011– Las Vegas
www.gpug.com
Off-Premise Option
 New Payment Industry Technology – Tokenization
 No Credit Card Number Stored at Enterprise
Application Databases
 Replace Credit Card Numbers with “Tokens” of No
Intrinsic Value
 Store Sensitive Credit Card Data in Off-site,
Centralized and Secure Data Vault
 Key Management, Key Rotation Processes
Performed Outside of Enterprise
 Reduce Merchants IT Infrastructure Cost and Scope
of PCI Compliance
GPUG Summit 2011– Las Vegas
www.gpug.com
Why Nodus Solutions?
 Nodus is the Leader of Integrated ePayment,
eCommerce Application Provider in Dynamics GP
Market
 Unmatched Domain Expertise in ePayment within
MBS Market
 Committed to Meeting Most Stringent PCI Data
Security Standards
 Offer On-Site/Off-site Choices for Sensitive Credit
Card Information Management
 The Only One-Stop Shop for Payment and Services
in Microsoft MBS Market
GPUG Summit 2011– Las Vegas
www.gpug.com
GPUG Summit 2011– Las Vegas
www.gpug.com
On-Site/Off-Site Comparison
ENCRYPTION
TOKENIZATION
• Encrypt Credit Card sensitive data
according to best practice
• Replace credit card sensitive data with
“Token”
• Multisystem – Each requires encryption
• Credit card Data storage in off-site vault
• Data stored on site, require key
management and rotation
• Token can be used as surrogate of the
original credit card number
• Higher IT infrastructure cost to protect
data security
• Encryption, Key rotation and
management occur at off-site secured
data vault (PCI compliance off-site facility)
• If compromised, still vulnerable to data
security breach
• Tokens are useless – cannot be traced to
credit card holder information unless
paired with data at off-site vault
• Higher Cost/Scope of PCI compliance
• More secure, Reduce Cost/Scope of PCI
compliance
GPUG Summit 2011– Las Vegas
www.gpug.com