pay easy solutions internationalv2

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Simple, Secure, Low Cost Payment Solu6ons…

PayEasy is a global provider of electronic payments solu6ons for financial ins6tu6ons, retailers and payment processors. Customers rely on PayEasy solu6ons to deliver reliable, scalable and secure payment services and to have money on the move.

PayEasy’s objec6ve is to become the leading electronic payment services company in the Middle East and North Africa, Europe, Central and South East Asia and North America.

We work with web developers, shopping cart providers and all the major banks to offer the best in internet payment processing services -‐ PayEasy means industry leading reliability, security and value

About us

‣  Global Opera6ons Centre Headquartered in Metro Manila, Philippines,

‣  Branches : Asia Pacific, North America, Europe, United Kingdom

‣  Partner Offices: Middle East , Australia, Mexico, Canada and An6gua

‣  Founded in 2009 ‣  Privately held and funded by regional investors and an interna6onal investment group

‣  Opera6ons in the Philippines, US, UK, Monaco, France, Hong Kong, Pakistan, Bahrain,

Lebanon, Israel, Cyprus, Malta and Germany

About us

What we do

merchant

acquiring bank

cardholder

acquiring bank

acquiring bank

acquiring bank

acquiring bank

payment service provider

-‐ card processing -‐ risk management + fraud protec6on -‐ acquiring referral -‐ IPSP / MSP for selected acquiring banks

What makes a payment solution successful

Electronic Transac3on Solu3ons

Easy to use, Convenient & Portable

Low Cost to Deploy

& Maintain

Leverages Exis6ng Systems & Behaviors

Robust & Dynamic Security

Credit Card Acquiring

We provide mul3currency credit card acquiring services in collabora6on with regional and interna6onal banks.

Direct Acquiring Rela6onships

‣ Merchant enters into direct contractual rela6onship with acquiring bank

‣ Mul6ple referral partnerships in the region and interna6onally

Merchant Service Provider (IPSP/MSP)

‣ Merchant enters into contractual rela6onship with PayEasy but gets dedicated merchant account from sponsoring bank

Our Solutions

Debit Card

Link-‐up various payment methods through a Payment Service Provider (only one Interface)

Additional Payment methods

Payment Service Provider E-Shop

Payment Processing

‣  Easy integration for merchants using secure web-services

‣  Payment page enables merchants to avoid PCI /DSS certification

‣  Extensive risk management and fraud protection functionality

‣  Full support for verified by VISA and MasterCard secure code

‣ Dynamic routing of transactions to local acquiring bank to optimize acceptance ratios

‣ Online refund and credit functionality

Our Solutions

Risk management and Fraud Preven6on

Less Fraud. Decreased Costs. Op6mized Revenue

Our Solutions

PayEasy Risk Management and Fraud Preven6on

Fraudster techniques becoming more advanced Techniques used in online card-‐not-‐present fraud are becoming more and more sophis6cated. Tradi6onal fraud screening tools can only determine if a credit card is legi6mate or if the user-‐entered account informa6on matches those on record. Today, fraudsters can obtain personal credit card informa6on, pose as the legi6mate card holder, and bypass standard fraud checks.

Looking at fraud from a different angle We approach fraud screening in a different way. We examine an online transac6on from various angles. Our tools are not geared towards verifying the authen6city of the credit card details used for the purchase, but rather, iden6fying if the purchaser is the legi6mate card holder. Through our analysis, we have been able to iden6fy traits and paberns that are associated with fraudulent orders. By asking the right ques6ons, we can provide e-‐commerce businesses with the necessary informa6on to detect fraudulent orders before the payment is processed.

Fraud Prevention

PayEasy Risk Management and Fraud Preven6on

We provide mul3currency credit card acquiring services in collabora6on with regional and interna6onal banks.

Key features include:

‣ Geographical IP address loca6on checking ‣ High risk IP address and e-‐mail checking

‣ Issuing bank BIN Number country matching*

‣ minFraud Network

‣ Proxy server detec6on (both open and closed) ‣ Post query analysis

Fraud Prevention

PayEasy Payment Gateway Features Within our own Gateway we have established several basic parameters that help both the Gateway Operator and the merchant reduce the risk of fraud before the transac6on is passed to our Fraud Preven6on Service Provider and then the acquirer.

These features include : ‣ Specifying the maximum number of 6mes a credit card can be used within a specified period. If this is exceeded the Payment Gateway automa6cally locks that credit card number out for the specified period. If the customer abempts to use the card number with that merchant during this lock out period the lock out period is then extended from the 6me that the last abempt was made using that card number.

‣ Specifying the maximum number of 6mes transac6ons can be sent from an IP Address within a specified period of 6me. If this is exceeded the Payment Gateway automa6cally locks all transac6ons out coming from that IP Address for the specified period. If transac6ons are abempted from that IP Address within the lock out period the lock out period is automa6cally extended from the 6me of the last abempt.

‣ Specifying the maximum number of different credit card transac6ons (numbers) that can be sent from the same email address within a specified period of 6me.

‣ Specifying the maximum number of email addresses that can be associated with a specific credit card number within a specified period of 6me.

Fraud Prevention

PayEasy Payment Gateway Features

These features include : ‣ Specifying the maximum number of valid transac6ons that can be processed for a day and/or month. The merchant is automa6cally no6fied when the limit is about to be exceeded.

‣ Specifying the maximum value of valid transac6ons that can be processed for a day and/or month. The merchant is automa6cally advised when the limit is about to be exceeded.

‣ Repor6ng all transac6ons over a specified amount.

‣ Repor6ng all transac6ons under a specified amount.

‣ Merchant has the op6on of using the Email No6fica6on Service. Here the PayEasy Payment Gateway sends an email confirma6on that a credit card transac6on has been processed for the cardholder by the merchant. If the email bounces the Email Verifica6on Service automa6cally reverses out the transac6on and the merchant is automa6cally advised.

‣ Seeng the minimum and maximum fraud score returned from our compliance plaform. With this all scores over the maximum are automa6cally rejected. All scores under the minimum are automa6cally sent to the acquirer for valida6on. Scores between the minimum and maximum are flagged and returned to the merchant for further evalua6on before being sent to the acquirer for valida6on.

Fraud Prevention


Products Overview


Reduce your Fraud by... o  Detec6ng fraudulent behavior (paberns) automa6cally, o  Incorpora6ng market specific data into the fraud decision process, including i6nerary informa6on such as departures, stopovers, arrivals and airport informa6on.

Decrease your Costs by.... o  Reducing chargebacks, safeguarding against surcharges and fines o  Reducing the number of transac6ons being queued for manual review, o  Decreasing 6me spent on processing excep6ons (chargeback no6fica6ons, etc.).

Op3mize your Revenue by... o  Accep6ng more genuine business, o  Iden6fying and protec6ng your good customers. Thus op6mizing sales conversion, while minimizing fraud risk and manual review and associated costs.

Benefits

Security and Infrastructure

‣ Compliant with payment card industry data security standard

‣ Support for verified by Visa and MasterCard secure code

‣ Secure data center facili6es

(PCI/DSS)

Repor6ng and Management

‣ Web-‐based administra6ve interface

‣ Extensive transac6on search and management func6onality

‣ Business intelligence and repor6ng dashboard ‣ Personalized user accounts ‣ Online refund and credit capability

Keeping you connected online…. We offer a range of support facili6es to online merchants – via email and/ or telephone. Technical exper6se is also available ‘in the flesh’ where required. The level of support does, of course, depend on which PayEasy Online payment solu6on you have chosen.

Support facili6es available:

•  Online Support •  Merchant support (via phone and email) •  Technical support (via phone and email)

Merchant Support

Christopher R. Bauer Global CEO / Chief Executive Officer PayEasy Solutions Inc. International

DDI: +63 (0) 2 577 4680 Cell: +63 (0) 917 892 0016

E-mail: [email protected]

James E Bergman Global COO / Chief Operational Officer PayEasy Solutions Inc. International

Tel UK (M): +44(0)7791171680 Tel UK (W): +44(0)2078732022

Email: [email protected]

General Inquiry compliance@payeasy-‐solu6ons.com

IT / Technology technology@payeasy-‐solu6ons.com

Card Services cardmanagement@payeasy-‐solu6ons.com

Merchant Services merchant@payeasy-‐solu6ons.com

Contact

http://www.payeasy-solutions.com/

pay easy solutions internationalv2

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