Cutting the cost of Internet Payment Processing
Rohit Patni
EVP Sales and Marketing rohit.patni@yes-pay.com
Gateway to Managed Payment Services
Extending your Sales Channels
Accept secure on-line internet payments

• Key Players & Business Drivers
• Increased security
• Improving payment efficiency
• Driving down integration and PSP charges
• YESpay Background
• EMBOSS Payment Processing Service
Gateway to Managed Payment Services
Extending your Sales Channels
Accept secure on-line internet payments

Gateway to Managed Payment Services
Card
Acquirers
Payment
Service
Provider
E-Commerce site developers eMerchants Consumers
Integrated on-line payments From store to web Minimal service cost
Extending your Sales Channels
Accept secure on-line internet payments

Gateway to Managed Payment Services
• eMerchants
– Attract and retain customers
– Increase revenues via new sales channels – 24hour shopping!
– Implement increased security - PCI-DSS, AVS, CVV and 3D Secure (Verified by Visa & SecureCode)
– Real-time transaction reports to simplify reconciliation
– Support subscription payments and eWallets (multiple payment methods)
– Reduce transaction processing costs - flat monthly fee, no individual transaction charges or annual fees
• Consumers
– Convenience of on-line shopping
– Privacy and Security – VBV & SecureCode
– Low transaction costs
Extending your Sales Channels
Accept secure on-line internet payments

• E-Commerce web/WAP site developers
– Simple and rapid payment integration
– Security utilising HTTPS, VBV / SecureCode and SSL
– No bank testing or PCI DSS approvals
•
Payment Service Provider (YESpay EMBOSS Service)
– Attract and retain web merchants
– Build trust (security, fraud avoidance)
– Offer low-cost PSP services
• Acquirers/Issuers
– Maximise brand coverage and expand transaction revenue
– Fraud avoidance (Mandate use of 3D Secure)
Gateway to Managed Payment Services
Extending your Sales Channels
Accept secure on-line internet payments

• PCI-DSS accreditation – secure storage of card details
• Verified-By-Visa & MasterCard SecureCode
– Cardholder authentication to protect the retailer from fraudulent claims
– Simple password protected identity checking service
– Removes risk of charge-backs from cardholders repudiating an online transaction
• Equivalent to Chip and PIN at a retail Point-of-Sale
Product /
Service
Gateway to Managed Payment Services
VBV/SecureCode
Authentication Server
Extending your Sales Channels
Accept secure on-line internet payments

• Click for demo
Gateway to Managed Payment Services
Extending your Sales Channels
Accept secure on-line internet payments

• Customer eWallet
– Stores card details securely
– Avoid entering card details with every online transaction
– Secure cardholder login to eWallet – transaction reporting
Gateway to Managed Payment Services
• Merchant eWallet
– Merchant is provided with a subscription account id for the wallet account
– Merchant can charge a customer using the cardholder’s subscription account.
• Advantages
– All the card details are stored on EMBOSS - no need for the merchant to be PCI DSS complaint
– Merchant website only requires the cardholder to enter card details once
– Useful for applications requiring recurring charges
Extending your Sales Channels
Accept secure on-line internet payments

Gateway to Managed Payment Services
Extending your Sales Channels
Accept secure on-line internet payments

Gateway to Managed Payment Services
Extending your Sales Channels
Accept secure on-line internet payments

Gateway to Managed Payment Services
• Re-direction model (EMBOSS pay page)
– Cardholder is redirected to the EMBOSS website for entering the card details
– All the card details are captured directly on EMBOSS for processing
• API model (Merchant generated pay page)
– Merchant website presents the card capture pages to the customer
– Card details submitted to EMBOSS for processing
• YESpay offers 2 integration methods
– YESpay Merchant Plugin installed on the Merchant’s web server
– HTTP POST method does not require any YESpay software installation on the merchant website
•
Simple to integrate and can be supported from any web application platform
• Web application only requires the EMBOSS merchant details and the password to start processing transactions
•
Reduced support as no installation of the merchant plug-in
Extending your Sales Channels
Accept secure on-line internet payments

• Free Simple to integrate e-Merchant Website Payment Plug-in Toolkit (FREE)
• No formal bank testing required (Pre-approved)
• We provide integration support (FREE)
• We provide validation testing service (FREE)
•
End to End process including testing takes 5
– 10 days
Gateway to Managed Payment Services
Extending your Sales Channels
Accept secure on-line internet payments

Gateway to Managed Payment Services
• Setup & Annual Costs
• Monthly Fees: Acquiring banks / PSPs
• Transaction Charges: %age of transaction plus fixed transaction fee
•
3D Secure authenticated transaction Y/N
• Example Costs
Generic Acquiring
Set-up Recurring Costs
£200 £25 plus ~1% of trans
Merchant Service Charges
2.5 - 3.5% per credit card transaction
£0.30 - £0.45 per debit card transaction
Source: www.electronic-payments.co.uk
Extending your Sales Channels
Accept secure on-line internet payments

• Example Costs: Annual turnover£250K average trans value £20
Gateway to Managed Payment Services
Annual PSP Charges
£4,500
£4,000
£3,500
£3,000
£2,500
£2,000
£1,500
£1,000
£500
£0
S ec ur eTr ad in g
Lt d
P ro tx
N et
B an x
PS
P
D at aC as h
S
EC
Pa y
W or ld
P ay
Y
ES pa y
SecureTrading Ltd
Protx
NetBanx PSP
DataCash
SECPay
WorldPay
YESpay
YESpay Charges:
£40 Setup fee
FIXED £49.50 per month up to 1250 trans / mth
Total Annual Cost = £634
• NO annual or maintenance fees
• NO per YESpay Transaction Fees or Percentage of Transaction Charges (other than IMA charges)
• NO Settlement Fees
• Same payment platform used for Chip and PIN payment processing Extending your Sales Channels
Accept secure on-line internet payments

• YESpay IMA Charges
– Authenticated (VBV / SecureCode)
• Credit Card
• Debit Card
~2%- 2.5%
~18p – 25p
– Unauthenticated
• Credit Card
• Debit Card
~2.4% - 2.9%
~25p – 30p
Gateway to Managed Payment Services
• Costs depend on:
– business’ average transaction value
– transaction frequency
– perceived security risk
– exposure level
– online turnover
– how long the company has been trading
Extending your Sales Channels
Accept secure on-line internet payments

Gateway to Managed Payment Services
• Operating since 2002 as Payment Service Provider (PSP)
– Headquartered in London with development & support centre in India
• EMBOSS - Multi-channel retail managed payment service
– Verified-By-Visa / MasterCard SecureCode compliant e-commerce payments
– EMV national payment services supporting EPOS, Kiosk and Mobile POS payments
– Fully acquirer pre-accredited IP-based Payment Gateway Service
– Highly secure payment services – PCI-DSS accredited by Visa and MasterCard
– Focus on Europe, USA and Asia Pac markets
• Channel sales strategy
– Payment Services Delivered through Partnership > 300 partners
– Recurring revenue streams for YESpay and its partners
• Low-cost, highperformance alternative to expensive ‘in-house’ payment solutions
Extending your Sales Channels
Accept secure on-line internet payments

Gateway to Managed Payment Services
Extending your Sales Channels
Accept secure on-line internet payments

• Turning Internet Promises into Profit
– Our solutions provide a substantial return-on-investment
– You can deploy quickly with low integration and no ongoing maintenance costs
• The Right Technology
– Built on flexible and open technology platforms for easy integration
– Support the broadest set of platforms and open standards
• A Complete Solution
– Exclusively targeting e-commerce and Chip & PIN business initiatives
– Supports proven cryptographic standards and PCI-DSS accredited
– Multi-acquirer accredited
•
Market Tested Product Technology
– Our track record in delivering secure payment solutions is second to none
– Supported by an extensive customer base
Gateway to Managed Payment Services
Extending your Sales Channels
Accept secure on-line internet payments

Gateway to Managed Payment Services
Any e-commerce strategy has to be centred on a powerful, secure and cost-effective on-line payment platform.
Enable your retail website with YESpay’s EMBOSS Internet payment service to securely authorise and settle high-volume on-line payment transactions with multiple processors and acquirers.
SEE US ON STAND E535
sales@yes-pay.com
+44(0)20 8370 6822 www.yes-pay.com
Extending your Sales Channels
Accept secure on-line internet payments