espago bank transfers, premiere 25.04.2013 (en)
DESCRIPTION
TRANSCRIPT
Wrocław 2013 Confidential, property of PSP Polska.
Espago Bank Tranfers Premiere, 25.04.2013
Competences and Base
Wrocław 2013 Confidential, property of PSP Polska.
“Market Leader of Innovation 2012”
1. Sell a lot with good margin
2. Provide comfort for the buyer
3. Quickly get the money
4. Automate internal processes related to the settlement of payments
What does the seller want from payment methods?
Wrocław 2013 Confidential, property of PSP Polska.
Each country is different
Wrocław 2013 Confidential, property of PSP Polska.
Poland
Great Britain4
GermanyStudy on the payment preferences in the world published by the WorldPay http://www.worldpay.com/corporate/index.php?page=campaign-2011-download&c=UK
Wrocław 2013 Confidential, property of PSP Polska.
Polish the most popular e-commerce solution for bank transfers
So-called PayByLinki the following options:
•automatic
•semi-automatic
• PayByNet (KIR S.A.)
Wrocław 2013 Confidential, property of PSP Polska.
Common features of PayByLink in Poland:
1. Bank transfer to the middleman account
(Intermediary assumes account its bank account at any bank) *
2. Confirmation of the transaction in real time
(Only when the transfer within the bank are in real time). Not all banks keep an account of 7/24
3.The commission of about 2% or more (The automatic pay-by-links banks account for most of the commission)
4. Easier for the buyer: Auto-filling of bank transfer
(not all Pay-By-Links feature automatically auto-fill the bank transfer)
* n/a KIR S.A.
Development of interbank system in Poland
Wrocław 2013 Confidential, property of PSP Polska.
Sybir >>> Elixir >>> Realtime
“Immediate transfer on a large scale this year”
www.onet.pl, 12.04.2013
Wrocław 2013 Confidential, property of PSP Polska.
How long does the Bank Transferin Poland?
The average waiting time 4 hours 25 minutes
Outgoing Bank Time of Departure
Incoming Bank Time of Arrival waiting time*
CITI Bank 12:32 BZWBK 17:17 4,5
Multibank 12:22 BZWBK 17:07 4,5
Multibank 14:05 BZWBK 11:32 7,5
CITI Bank 14:08 BZWBK 17:21 3,0
Paribas 13:54 BZWBK 17:19 4,0
Paribas business 13:37 BZWBK 17:19 4,0
Multibank 10:25 BZWBK 17:05 6,5
CITI Bank 10:23 BZWBK 15:10 4,5
Paribas 10:33 BZWBK 15:09 4,5
Multibank 22:50 BZWBK 11:10 3,0
CITI Bank 22:50 BZWBK 11:15 3,0
Paribas 22:50 BZWBK 11:15 3,0* Assumed working time of e-commerce from 08:00 to 18:00* Assumed working time of e-commerce from 08:00 to 18:00* Assumed working time of e-commerce from 08:00 to 18:00* Assumed working time of e-commerce from 08:00 to 18:00
What payment service the seller buys?
Wrocław 2013 Confidential, property of PSP Polska.
1. Seller is informed that the buyer has paid in real time
(Without any system seller learns about the payment the latest the next morning - for many e-commere a few hours in the evening or at night is not critical) Espago transfers indicates that the transaction is carried out in real time.
2. Easier for the buyer: Auto-filling bank transfer
(Customers like to automate, do not abandon the transaction, it is a real benefit to the seller)Espago Transfers Transfer automates the filling bank transfer.
3. Automatic payment reconciliation (bank with the shop transaction).
(Exisiting systems provide information on the bank account of the middleman)Espago Transfers integrates and reconciles transactions for some banks.
Espago Tranfers
Wrocław 2013 Confidential, property of PSP Polska.
•Espago Tranfer applet auto fills the buyer’s bank transfer automatically for accounts in 23 Polish banks
•We improve the processes for the seller: We give notice of completion of the transaction in real-time and allow integration with some banks
•Direct bank transfer to the account of the seller
Espago Transfers - Economics
Wrocław 2013 Confidential, property of PSP Polska.
•The cost of a commission of 1%
•Reducing costs of the e-economy and e-commerce
•Elimination of unnecessary interme-diaries
•The benefits for the economy at the macro level
•Dissemination of non-cash transactions in the economy
Wrocław 2013 Confidential, property of PSP Polska.
We offer
We provide a uniform API with a solution consisting hereby:
•processing payment cards (VISA, MasterCard, JCB, Amex)
•Automatic Recurring Payments
•Espago Tranfers
•PayByNet
How we earn?
Wrocław 2013 Confidential, property of PSP Polska.
•The commission - a percentage of each transaction (as a provider of solutions)
•The partnership programs (cross selling solutions)
•We are competitive
Thank you for your attentionand welcome to do business with us!
Sales: Tomasz Skotarektel. +48 790 727 273, [email protected]
Marketing: Agnieszka Gonczar, tel. + 48 793 977 776, [email protected]
Business Development: Krzysztof Lis FCCA, tel. +48 791 834 784, [email protected]
www.espago.com
Wrocław 2013 Confidential, property of PSP Polska.