E-PAYMENT Key Success Factors - CLC
E-PAYMENT Key Success Factors - CLC
E-PAYMENT Key Success Factors - CLC
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E-<strong>PAYMENT</strong><br />
<strong>Key</strong> <strong>Success</strong> <strong>Factors</strong><br />
Stefanie Hüls, Vice President CETREL S.A.<br />
08 th November 2012<br />
Co-Creating<br />
next generation solutions
Facts & Figures<br />
Market Trends<br />
E-Commerce is the fastest growing payment sector since more than 3 years with<br />
a yearly revenue growth of 35%.<br />
The competitive landscape is changing, new payment methods enter the market.<br />
Card Fraud is constantly decreasing at stationary retailers due to roll-out of EMV<br />
technology.<br />
Card Fraud is constantly increasing on “non card present” environments such as<br />
E-commerce and Mail/Phone Order.<br />
Merchant Trends<br />
Stationary retailers turn into multi channel providers.<br />
Merchants expect simple and secure solutions from one source.<br />
Merchants focus on efficiency to lower costs.
<strong>Key</strong> success factors<br />
Electronic Payments<br />
E-Payment-Security
<strong>Success</strong> Factor Electronic Payments<br />
What is the impact of the different payment solutions on your<br />
Online-Volumes<br />
Advanced<br />
payment<br />
Purchase<br />
abondoned<br />
«Often clients leave their virtual shopping bag at the<br />
check-out as their favorite payment means is not<br />
offered!»
Your customer decides how he pays!
E-Commerce payment solutions<br />
Credit Cards: Visa, MasterCard, American Express, Diners Club, JCB<br />
3 Billion cards worldwide<br />
Online Debit Cards: Maestro and V PAY<br />
550 Million cards worldwide<br />
E-Payment System: PayPal<br />
220 Millionen accounts worldwide<br />
As well as many other domestic solutions in Europe:<br />
- Online Banking: giropay, iDEAL, EPS, Postfinance Germanny, Netherlands, Austria, Switzerland<br />
- Invoice, direct debit and revolving: Billpay Germany<br />
- ...
<strong>Success</strong> Factor Electronic Payments<br />
How to can I easily implement different payment means in my<br />
Online Shop?
The solution<br />
Online-Shop + Payment Service Provider +<br />
Payment means<br />
Saferpay allows online merchants to process all current and future payment<br />
means through one single interface<br />
flexible – simple – secure!
<strong>Success</strong> Factor Electronic Payments<br />
More customers –<br />
more volumes !<br />
More payment means –<br />
more customers!
<strong>Key</strong> success factors<br />
Electronic payments means<br />
E-Payment-Security
Risk: Card Fraud<br />
Different payments have different risks<br />
Do not give any chance to the „black sheeps“!<br />
Card fraud not in your shop!
<strong>Success</strong> Factor Security<br />
How do I protect myself against<br />
card fraud?
3-D Secure<br />
assures more security<br />
Your customer identifies himself during the payment process<br />
at his card issuing bank!
Risk: Card Data Compromise<br />
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Sucess Factor Security<br />
How do I protect myself from card data compromise<br />
in my Online-Shop?
PCI Certifizierung - Global Security Standard<br />
PCI DSS Certification<br />
• PCI DSS stands for<br />
„Payment Card Industry Data Security Standard“<br />
• PCI is the internal security standard from<br />
Visa, MasterCard and American Express.<br />
• It defines all aspects for card data storage, processing<br />
or routing on merchant systems.<br />
Who must participate?<br />
• All merchants that handle, store or transmit credit card data.
PCI DSS<br />
PCI Certifizierung - Global Security Standard<br />
Choose the safe way:<br />
Do NOT store any card data!<br />
Work with a PCI certified system!<br />
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<strong>Success</strong> Factor Security<br />
Less Risk −<br />
More profit!<br />
More Security −<br />
less Risk!
<strong>Key</strong> success factors for your E-com Business<br />
Electronic Payments<br />
Propose a good choice of different payment solutions<br />
E-Payment-Security<br />
Assure security and complaince of your site by<br />
- implementing 3D Secure<br />
- choosing a PCI certified payment solution
Co-Creating<br />
next generation solutions<br />
Thank you for your attention!
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