company introduction - tru//st payments...tru//st payments is the enterprise company poised to...
TRANSCRIPT
Company Introduction
1 About us
1.1 Who we are
1.2 Vision of success
2 How we grow from good to great together
2.1 Omnichannel solution workflow
2.2 Acquiring platform overview
2.3 Gateway platform overview
2.4 POS overview
2.5 Value add product solutions
2.6 Client Reporting – MYST
3 ST Active / Active System and Redundancy
3.1 High level architecture and redundancy
3.2 Active/Active DR configuration & Technical integration
4 Our People
4.1 Leadership
4.2 Values
5 Next steps
Agenda
Who we are
TRU//ST Payments is the enterprise company poised to support
merchants, PSPs, ISOs and PFs to seize a share of the global multi-trillion
dollar addressable payments market.
The advent of Bitcoin, Blockchain, and borderless payments within the
electronic payments world has created a virtual global gold rush. ca
// 4
H o w w e h e l p m a k e b u s i n e s s s i m p l eCloud Based, multi regional payments
platform with direct and shopping cart
interface options for online
ecommerce.
High Volume acquiring business based
in Malta with a pan European card
acquiring license. Processing both
ecomm, mobile and POS transactions
types supporting traditional and high
risk merchant portfolios with an
extensive list of PSP / PGF / ISO
partners
US gaming platform for sports and Daily
Fantasy sports. Ecommerce Gateway
solution connected to multiple US
Banks.
-Speed of merchant application decision: Allowing our merchants
and partners to focus on what they do best
- Customised PSP / Payment Facilitator / ISO / high-risk
merchant boarding, due diligence and support models:
Addressing the specific need of each partner business
- Simplified partner and merchant reporting: Enhanced partner
reporting tools to provide a single line of sight for eCommerce /
POS & integrated solution transaction reporting
- Business orientated account managers who understand your
needs: Dedicated account managers to assist targeting of
verticals and advising on key product solutions, from fraud and
chargeback management to new payment types
1. Merchant figures reflect merchants from both Gateway and Merchant Acquiring platforms, including merchants from PSP aggregator. It excludes cross-sell merchants. Data as of Dec’16
// Introduction to Trust Payments Limited
Executive Summary – Who we are
// 05
60 PAYMENT TYPES
6 OFFICES WORLDWIDE
SETTLED IN
14CURRENCIES
PAYMENT PAGES
8LANGUAGES
Executive Summary – By the numbers
Awards• ERG B2B
Innovation Payments Solutions
• MPE AwardBest New Product Payments
• MPE AwardBest PSP
• The TechiesBest E-Commerce Technology
• Best Business AwardBest New Product/Service
Processing• 60+ Million transactions annually• 6,000+ Active merchants
TRU//ST are looking to earn the right to become a payments innovation partner for new and existing clients.
We intend to collaborate on initiatives that transform the payment experience for customers in the US, EMEA and global markets.
• Superfast on-boarding
• Intelligent insights detailed transaction reporting
• Named EMEA-based account manager
• Vertical-specific payments expertise
• Global network of payments partners
Vision of success and partnership
2013 2014 2015 2016 2017
// 08
Global Footprint – 60 bank relationships worldwide
How we grow from good to great:our products
How we will transform the market
Extend our strengths
Expand our global footfall,
with US presence
Focus on key market sectors; traditional and
emerging
Enhance our solutions and
provide efficiencies
End-to-End Omnichannel Global Payments and Banking Solution
Card schemes
Issuer
Online merchant Payment gateway
Cardholder
Acquirer / Processor
A
B
C C C
D
E
A A A
A
B
A B
C
MerchantCloud-based
collectinggateway
VISAMasterCard
APMs
+ 50 otheracquirers
USinstance
Europeaninstance
Micro-service layer
Asiainstance Online
banking
// 11
Market-leading, end-to-end merchant account solutions:
• 100+ currencies supported (multi-currency)
• Speed and simplicity at its core
• Flexibility for you to process different payment methods
• Security and compliance at its foundation
• Next generation transaction monitoring
• Best-in-class services for compliance and security
• Principal membership with VISA and MasterCard for all EU and
EEA countries
Partnering with acquiring banks all over the world, enabling
global trades:
• Processing currencies & remittance currencies
• EU licensed acquiring institution
acquiring.com can offer you transaction processing in over 100 authorisation currencies and 14 settlement currencies.
Allowing you the flexibility to sell to multiple markets with one, or multiple websites.
The 14 settlement currencies include: GBP, EUR, USD, AUD, CAD, NVD, HKD, JPY, ZAR, CHF, NOK, SEK, DKK, PLN,
Acquiring Platform Overview
We are small, agile and have genuine customer concern – we make decisions quickly
Dedicated Support
Fast Onboarding
Electronic Signatures
01 02 03 04 05Complete application
Underwriting 72 hours
Contract issued via DocuSign
Ready to transact
Implementation of account 48 hours
DEDICATED ACCOUNT BOARDING MANAGER
Acquiring Platform Overview - Onboarding
Acquiring Platform Overview – Fraud & Transaction Monitoring
• Able to provide your business with real-time alerts regarding suspicious transaction
• Comprehensive monitoring by collaborating with third party solutions and combining them with
proprietary tools we have developed
• Defining Risk Profile and Risk scoring system
• Proactive Risk Management and real time alerts and monitoring
• Helps you recognise unusual or sudden changes in your customer activity
• Protects your brand and image, boosting confidence and loyalty in your business
• Avoid high-value fines for poor performance on fraud and chargebacks from Card Scheme
Compliance
• Protects you and the integrity of your payment system
• Helping to save you money, defend chargeback cases the STFS chargeback team work on your behalf to recover invalid disputed files against you.
• Reduce risk of chargeback being upheld
• Increase profits
• Improve customer retention through prevention
• Recover revenue
• Avoid excessive fees
• Comprehensive daily chargeback report available
• Provide historical fraud reports with TC40/SAFE data
TC40/SAFE reports include more than just
your chargebacks, they help you to access
your fraud prevention and risk
management. They are vital in helping you
to create more effective fraud strategies.
Acquiring Platform Overview – Chargebacks Team
// 17
PSP and Acquirer Partner Network
Results in strong merchant acquisition
TRU//ST offer their platform to merchants through a network of other referring gateway and merchant acquirer partners
Secure Trading serves as a full service gateway and merchant acquirer
Merchants Acquirers PSPs Merchants
Secure Trading provide the flexibility to support gateway services, acquiring services or both
G AT E W AY - L E D M E R C H A N T A C Q U I R E R - L E D
Hosted payment processing
• Allows you to process payments via your website using a payment screen hosted by us.
• Hosted payment pages are:
• Mobile-responsive design
• Easily integrated
• Customisable to the cards and APM’s you accept
• Seamless updates via redirects and notifications to your site for real time ordering
• Reduce the level of PCI DSS compliance to the lowest possible level you need to undergo as you do not store card details on your server
• Can be easily customised to your brand and hosted in iframe
• Cost benefit as we host your payment page
Your choice of integration - Payment Pages
• Process payments without storing credit card
details on your server
• Reduces PCI scope
• Typically merchants will need a level 4 PCI
Accreditation
• Fully customisable display
• Mobile optimized
• Payment notifications
• Customer re-directs
Payment Pages are mobile responsive
Choice Page Details Page Response Page
Completely transparent implementation
• Custom implementation options
• Completely transparent to consumer
Your choice on customization
Merchants can customise their Payment Pages by using CSS and/or JavaScript.
AbanteCart HikaShop
AlegroCart Hybris
Avactis Interspire
OpenCartCubeCart
Batavi Magento
CS-Cart nopCommerce
Drupal Commerce osCMax
Ecwid osCommerce
JigoshopAxis
OXID Shop VirtueMart
PrestaShop WordPress
Tomato Cart X-Cart
ViArt Zeuscart
Zen CartUbercart
Loaded Commerce LemonStand 24
25
Virtual terminal (moto)
• Available to some of your pre-defined user levels within MyST. Take payments on behalf of your
customer by entering details in a secure environment.
• Requires you to have a MOTO (Mail Order/Telephone Order) MID.
• Allows you to set mandatory fields for virtual terminal transactions, tailoring the form for your business needs.
• Secure payment process
• Real-time response to payment authorization
• Audit payments through transaction views identifying who placed orders
• No integration required – ready to use as soon as you’re live
26
Webservices or STAPI for the recurring accommodation transactions
Hosted Payment Pages for MOOC (Massive Open-Enrollment Online Courses)
Integration model example - LSE
Call center payments through MOTO*
27
ST Payme
• Accept payments online without the need for a website.
• Email your customers with a secure link directly from your MyST dashboard to pay a set amount and benefit from 3D Secure.
• Give your customers more freedom around when they pay.
• Re-capture abandoned carts through targeted ST PayMe emails.
Webservices payment interface
• Allows you to connect to our system directly (server-to-server) and process
payments through an XML Webservices interface.
• The Webservices payment interface:
• Gives you full control over the payment flow implementation
• Allows quick and direct payment processing as the connection is
server-to-server
• Provides direct access to the full functionality of our payment
system through XML requests
• Easily adaptable to your locality – multilingual and multi-currency
• Requires a high level of PCI-DSS compliance as you are collecting
and processing card details directly on your server
Your choice of integration - JSON
ST GATEWAY
1
SERVER SDK
Merchant Webserver
Customers browser
2
Payment card details
Token
Token/customer details
3
4JSON Authorisation Request
• We can now offer merchants a flexible API (Application Programming Interface) solution that can remove the burden of storing sensitive card details on their servers.
• By not storing sensitive card details on their server, the merchant can potentially reduce the set of stringent PCI DSS (Payment Card Industry Data Security Standard) requirements they need to adhere to.
• Reduction of PCI DSS requirements could mean a saving in both time and money for our merchants i.e. avoiding audits and extensive paperwork.
• JavaScript Library which together can be used to securely handle and submit the customer’s payment card details as part of an authorisation request.
• We have both server and client-side SDK’s written in multiple languages.
Your choice of integration - JSON• We can now offer merchants a flexible API
(Application Programming Interface) solution that can remove the burden of storing sensitive card details on their servers.
• By not storing sensitive card details on their server, the merchant can potentially reduce the set of stringent PCI DSS (Payment Card Industry Data Security Standard) requirements they need to adhere to.
• Reduction of PCI DSS requirements could mean a saving in both time and money for our merchants i.e. avoiding audits and extensive paperwork.
• JavaScript Library which together can be used to securely handle and submit the customer’s payment card details as part of an authorisation request.
• We have both server and client-side SDK’s written in multiple languages.
4WS GMerchant’sAcquiring
Bank
GCustomer’sCard Issuer
Submits Request
Receives Response
Your choice of integration – ST PayMe, email payment requests
• Merchants can request payment from their customer by email.
• Merchant specifies the recipient and amount within the ST PayMe section in MyST.
• The customer receives an email containing a link to the merchant’s payment pages.
GATEWAYFRAUD
SERVICESACQUIRING
RETAIL / MOBILE ONLINESTORE
SECURITY SERVICES
Provide ecommerce and mobile payment solutions to allow merchants and partners to drive global commerce. Linking the online world with the offline world with new cutting edge app-based POS solutions. Single global omnichannel payment solution provider TRU//ST Omni Payments and Value Add Services
E2E Payment Solution
MyST Client Reporting
• MyST gives you real-time access to your payment history for transactions.
• View, refund, repeat or cancel transactions in one place
• Set permission levels for different user types
• Apply filters according to payment method used
• Specify settlement date of card transactions
• Download and export transaction details
• Upload and manage payment pages and email templates to our secure servers
• Pay your Secure Trading invoices
• Access and view all of your transactions no matter the payment method
• View merchant account details
MyST – Client / Partner Reporting
Transaction update
• Gives you the power to change a transaction
• Lower the settlement amount before settlement
• By API or MyST request
• Suspend payment while you perform stock checks updating to pending once
availability is confirmed
• Check payments suspended for fraud by Secure Trading and update to
‘pending’ or ‘cancelled’
35
Point of Sale
TRUST POS Terminal Choices
Castles VEGA3000CCounter-top Chip&PIN Device
Connects to an EPOS terminal or network router/Wi-Fi hub by
ethernet cableCan be available with a connected
(consumer-facing) PIN Pad
Castles VEGA3000MWireless Mobile Chip&PIN Device
Connects to gateway by Wi-Fi or 3G/4G, USB or Bluetooth (via tablet/smartphone)
Comes with AC adaptor/cable and charging cradle
Castles MP200Bluetooth Mobile Chip&PIN Device
Connects to gateway via smartphone or tabletComes with USB Cable
Castles VEGA3000PCounter-top Card Reader/PIN Pad
Connects to an Vega 3000C terminal by special cable
Customer Integration Projects Only
Castles Vega 3000M v Established Terminals Today….
Ingenico iWL250 Verifone 680
Castles Vega 3000C v Established Terminals Today
Ingenico iCT250 Verifone VX 820
Castles MP200 v Established Terminals Today
Miura M020 iZettle 2Ingenico iCMP Verifone e355
Castles VEGA3000C
• Counter-top Chip & PIN Terminal• Mag-stripe, contact, contactless, APM’s• Integrated thermal receipt printer• Large colour touchscreen, ideal for optional apps & services*• Fitted PIN pad privacy shield• Connects to an EPOS terminal or network router/Wi-Fi hub by:
• Wi-Fi• Ethernet cable
• Can be available with a connected (consumer-facing) PIN Pad**• Suitable for:
• Hotel check-in-desks• Over the counter payments• Fixed points of sale
* TBC** End-user Customer integration projects only
Castles VEGA3000M
• Portable Chip & PIN Terminal• Mag-stripe, contact, contactless, APM’s• Communications: Wi-Fi, 3G/4G, Bluetooth and USB• Integrated thermal receipt printer• Fitted PIN pad privacy shield• Large colour touchscreen, ideal for optional apps & services*• Optional charging cradle• Suitable for:
• POS on the move (i.e. table service, field sales etc)• Over the counter payments (fixed and mobile)• General retail and hospitality
* TBC
Castles MP200
• Mobile Chip & PIN Terminal for On-the-go Payments• Mag-stripe, contact, contactless, APM’s• Communications: Bluetooth and USB• Large colour touchscreen• Integrates with Android and iOS smartphones and tablets via POS application
(available on Apple App Store and Google Play Store)• Designed for easy mobility and durability• Suitable for:
• POS on the move (i.e. table service, field sales etc)• Over the counter payments (fixed and mobile)• Independent business owners:
• General retail• Hospitality
Castles Device Benefits Summary
▪ State-of-the-art, Globally-installed Payment Terminals▪ Long PCI-approval status (2023)▪ Large, Bright, Colour Displays▪ Touchscreens▪ Multiple Connection Options as Standard
Standalone POS: Counter EPOS Overview
Omnipay
AEVI Pay Gateway
Existing Counter-top EPOSMerchant HQ
Receive tender amount from EPOS
Connect with gateway,Card transaction accepted/declined Tender amount manually entered
Semi-Integrated POS: Pay@POS Overview
Omnipay
AEVI Pay Gateway
Existing Counter-top EPOSMerchant HQ
Receive tender amount from EPOS
Connect with gateway,Card Transaction accepted/declined
Semi-Integrated POS: Pay@Table Overview
Omnipay
Customer service at the table
AEVI Pay Gateway
Existing Counter-top EPOSMerchant HQ
• Waiter sign-on• Lock table• Print Bill• Split Payments• Enter Tips• Unlock Table
• Receive tender amount from EPOS
• Connect with gateway• Tranx accepted/declined
Semi-Integrated POS: Smartphone POS Overview
Omnipay
AEVI Pay Gateway
Merchant Portal
Connect with gateway,Card Tranx accepted/declined
Smartphone Payment app
(for iOS & Android)
All Reporting and Product File Functions
Leapfrog to Omnichannel
// 49
Omnichannel = POS + POS Apps + eCommerce + Mobile + eCommerce/ Gateway + Social Selling
• Development of marketplace apps and the enhancement of Cloud POS
• Innovation drive as new payment initiatives emerge like non-form
factor payments
• Providing new ways to interact with customers with an end-to-end,
frictionless payments journey
• Making this available to the wider consumer market place
• Expand in non-core verticals such as transport
• Wearable tech and MPOS will be a key focus at the SME market
• Wallet-based payment solution for no-stand card scheme payment
option
• The expansion of SME payment types that require invoice payment
links to reduce the overhead on the smaller merchant to manage their
payment stack
The Global POS Terminal volume is worth $98bn by 2022 as per Gartner.
How Will ST Differentiate?
• Offer More Innovation• Add More Business Value• Offer Omni-Channel• Offer Total Solutions• Enhance Consumer Choice & Experience• Introduce Staff Productivity Solutions with Payments• Develop, Offer and Support New Ways To Pay• Partner Collaboration and Professional Services• POS: Anywhere
Offer More Innovation
• Semi-Integrated POS with EPOShttps://www.youtube.com/watch?v=hkGsO6D2Wtc
SmartPOS• https://www.youtube.com/watch?v=p3bzhUlAsNk
Android-based multi-function POS terminals are the new baseline
New Ways To Pay
Payments on COTS DevicesPIN on MobileEMV-enabled Smartphone NFC Readers
Crypto POS
Smartphone payments
POS: Not Just In Stores & Restaurants
Value-Added Product Services
56
Dynamic Currency Conversion
• Gives international consumers the option to
pay in either the local currency or their
domestic currency.
• Only available on MasterCard or Visa; with
the FX rate and mark up displayed, DCC allows
customers to make informed decisions about
their spending abroad.
• Provides you with an extra revenue source
and removes any foreign currency exchange
risk whilst being compliant with card scheme
rules and acquiring banks.
• Your customers receive a good exchange rate
and can instantly see the cost in their own
currency.
Merchant receives settlement of €100 as usual and a separate
additional FX revenue share on the transaction.
Merchant sells goods orservices for e.g. €100.
DCC-enabled merchants can accept payments In different currencies. Cardholder chooses to pay
in their home currency.
Secure Trading’s solution removes the foreign exchange risk and the merchant
receives a guaranteed commission share.
APM’S YOU CAN ACCESS AS AN STFS & STL CUSTOMER
• Remove the restrictions on your reach and open up new markets
with the ability to handle a large variety of different payment
options.
• Alternative payment methods (APM’s) allow your customers to
spend online using their preferred payment method.
• APM’s can have strong market penetration so its important to offer
these payment methods to maximise your reach and ease entry
into new markets.
• APM’s are often developed to meet the specific needs of their local
market, meeting their rules, regulations and language
requirements.
• By offering your customers their preferred payment choice, you
increase your conversions and loyalty while quickly gaining their
trust.
STFS & 3RD PARTY GATEWAY *
STL & 3rd PARTY ACQUIRER *
STFS & STL
American express ✓ ✓ ✓
mastercard ✓ ✓ ✓
visa ✓ ✓ ✓
Paypal ✓ ✓ ✓
Cashtocode ✓ ✓
Japan Credit Bureau (JCB) ✓
Diners club international ✓
Discover network ✓
Sofort ✓
Alipay ✓
My bank ✓
Ideal ✓
Przelewy 24 ✓
Eps ✓
Paysafecard ✓
Safety pay ✓
Pay u ✓
Giropay ✓
Qiwi ✓
Trustly ✓
bancontact ✓
* Offering dependent on functionality of 3rd Party
Tokenisation & recurring payments
Tokenisation can cut PCI
compliance bills by up to 50%
• Process transactions without asking for card details again
using a unique token we provide you
• Increase conversions with a quicker payment process not
requiring customers to re-enter card data
• Avoid sensitive data being stored on your server as we
securely save customer card details, reducing costs and PCI
scope
• This is saved against your user account so that going forward
customers can use the tokens instead of card data.
3D Secure
• 3D Secure is part of the authentication process for e-commerce
payments, and helps merchants to avoid fraud liability, pay lower
processing fees to your bank and transact with confidence.
• Secure Trading have partnered with CardinalCommerce to deliver EMV®
3DS. 3D Secure can either be called by the merchant hosted payment
page to complete transactions using the API, or via the Secure Trading-
hosted payment pages to connect to Cardinal Commerce.
• Online transactions in scope of SCA will flow through our EMV 3-D
Secure solution. We are actively planning how exemptions will be
supported.
• We are in close contact with industry stakeholders and regulators
regarding any influencing factors on SCA and the deadline.
ST Active / Active System and Redundancy
Active / Active solution
ST Active / Active Solution - High level architecture diagram and redundancy
20 Gateways 40 Other acquirers
Active / Active – DR configuration
• Cloud hosting
• Hosted across two regions
• Active-Active setup
• Service Orientated Architecture (SOA)
• Automated Infrastructure as Code (IaC)
• Redundancy in acquirer connections
• Data replicated across hosted regions
• Automatic region switchover
Technical integration
• Hosted integration solution
• Restful API interface
• Automated reporting interface
• Web portal with access control
levels
• Rule Manager
• Perform automated actions on auths
• BIN routing or blocking
• Transaction blocking
• Issuer country blocking and
routing
• Currency routing
• Least cost routing
Dynamic routing
Voice of Customer
Market Opportunity – Voice of customer New Verticals
// Ecommerce / Sports Betting / Crypto
“Bit4.Sale are new to card payments, and Secure Trading/acquiring.com’s proven expertise
makes them the perfect payments providers to help us take our first steps in this area,” AlekseiKriachkov, the owner of Bit4Sale said. “As a new company, we want to choose only service
providers with prominence in the Blockchain and crypto sectors, and this relationship will
ensure that. Having said that, this partnership will help us deliver the best possible experience
to our customers. The process of purchasing Bitcoin, Ethereum, Litecoin, Ripple and Bitcoin
Cash from our cryptocurrency exchange is secure and seamless. All our clients need is to
register on the exchange, verify their identity, which has been set up in a user-friendly and easy
way, and place their first order!”
Market Opportunity – Voice of customer Traditional Verticals
// Payment Tech Companies / Hotels / Education
“Secure Trading have a 100% uptime record on their payment gateway over the last 18 years, and this level of reliability is essential for our app,” Abdul Senan, CEO of Totipay said. “Additionally, they were able to offer us a very competitive pricing model for their payment solutions, so our processing fees are kept low.”
“Secure Trading’s attention to detail when it comes to customer service was a key
influence is deciding to take them on as acquirer. We have a dedicated account
manager who is always available, as well as access to a friendly and helpful UK-based
support team,” John Simms, Owner of the Weston Hotel, said. “No matter where our
guests are booking from, Secure Trading’s array of local payment methods make the
process simple and fast. They have proven to be a fantastic gateway provider up to this
point, so it only makes sense for us to develop this relationship by adding
acquiring.com to our payments system.”
“Using Secure Trading for both payment processing and as our card acquirer, we now benefit from having one point of contact for the entire payments process." Ali Dezyanian, Deputy Head of Financial Systems at LSE
PSPIndustry
Online
Social
// WE CARE ABOUT OUR CUSTOMERS
REP
OFFICE
PSP
We are client-focused, with client-first culture.
We use a mature distribution model to support all business verticals
Our Customer
• Core Approach is Direct• Outer Rim
• Support• Reps• Tools
• Long Term Approach• Outer White Rim • PR and Bus Dev• Pillar Content
• Blog• Releases• Articles
TRU//ST Confidential 2019 // 66
Next steps….. We are here to win your business
What sets us apart
68
Tailored approachOffering precision solutions following close consultation
Open partnership Accountability, clarity and
integrity are engrained within our culture
Innovative & disruptive challenging industry standards
Peace of mindan un-interrupted,
accountable experience
Constantly evolving delivering increased
efficiency and empowering self-service
People first delivers real talent as
payments experts
Industry challengers Disrupting the competitor
landscape consistently while mitigating risk
Customer first Invest further in our award winning customer service
levels – you are our priority
Increase your reach and capabilities through
strategic partnerships
Inspire through pioneering
innovation and maintaining development momentum
WHERE WE ARE
THE FUTURE FOR SECURE TRADING
We want to earn the right for your business
• Optimise your workflow with one easy integration
• Work with one expert for all of your payment needs - one payment partner
• Cut costs and development time
• Streamline efficiencies and reduce overheads for your payment process
• Streamline costs for fraud through a flexible, bespoke approach
• Increase your revenue and reach by offering your customers more local and flexible online payment options
Thank you
End-to-End Omnichannel Global Payments and Banking Solutions
P OW E R I N G PAY M E N T S . P OW E R I N G C O M M E R C E .