introducing of online payment for ecommerce merchant
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Exabytes eCommerce Conference 2014 Introducing of Online Payment for eCommerce Merchant by Raj Lorenz (GHL Systems)TRANSCRIPT
the ASEAN Payment People
eCommerce Conference 2014 Raj Lorenz, Group CEO, GHL Systems Berhad
www.e-ghl.com
the ASEAN Payment People
Agenda
1. Background The company 2 types of merchant acquisition Buyer Values
2. eGHL Gateway Key Features
3. Customer Experience & Conclusion
the ASEAN Payment People
Company Background
GHL ePayments Sdn Bhd (“eGHL”) is wholly owned by GHL Systems Berhad (“GHL”), a leading payment service provider in ASEAN.
GHL is a public company listed in the Main Board of Kuala Lumpur Stock Exchange (KLSE) of Malaysia since 2007.
Providing online processing services since 2003, eGHL was established in March 2013.
Also operates in Philippines and Thailand through its subsidiaries – eGHL TH and eGHL PH
eGHL is governed under Malaysia’s Financial Services Act 2013.
www.e-ghl.com
Offers two 2 merchant acquiring models – a) G-Direct and b) Bank-Direct.
the ASEAN Payment People
2 Types of Merchant Acquiring Relationship
Payment Flow
Connectivity
Merchant
Issuing Bank
Shoppers
Acquiring Bank
Payment Facilitator Merchant
Issuing Bank
Shoppers
Acquiring Bank
Payment Processor
Bank-DirectG-Direct Mostly Larger Merchants
Mostly Smaller Merchants
GHL acts as Third Party Acquirer
GHL acts as a Processor
the ASEAN Payment People
Larger Merchants (Verticals)
Vertical SegmentKey Buyer Values:1) Hygiene Factors
Load High Availability & DRC PCI-DSS
2) Need heavy customisation
3) Expect superior product Functionality
4) Cost savings
eGHL’s Value Proposition1) We guarantee hygiene factors
2) We have the resources to customise for large Co’s – e.g. AirAsia, FireFly
3) Best in Class Functionality
4) Auto-switching for on-us rates. Direct acquirer for FPX
Typically, these are Bank-Direct customers for credit card processing and G-Direct for non-credit card processing
the ASEAN Payment People
Larger Merchants (Verticals)
Vertical Segment
Primary Focus:1) Selling Regionally & looking
for Non-Credit Card products overseas
2) 20% to 30% from mobile sales
3) Cost Saves
eGHL Value Proposition1) Connected to eNETS, Thai, etc.
We immunise merchant from FX fluctuations
2) One-click functionality for mobile payments
3) On-us regional switching
the ASEAN Payment People
Smaller Merchants (Horizontals)
Horizontal Segment Key Buyer Values:1) Quick & easy set-up
2) Affordable pricing
3) Some improvement in Product Functionality
eGHL Value Proposition1) 7 day approval promise
2) Priced below PayPal and equivalent to iPay88
3) Benefit from applicable features developed for verticals. e.g. FX module, one-click
The eGHL Advantage: Faster approval, reasonably priced , better functionality.
the ASEAN Payment People
Agenda
1. Background The company 2 types of merchant acquisition Buyer Values
2. eGHL Gateway Key Features
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• A proprietary payment system developed and operated since 2003 by GHL for processing internet payment transactions.
• PCI DSS Compliant
Introduction to the eGHL Gateway
the ASEAN Payment People
Key Features
Multi-payment channel
Real-time Reporting (mobile friendly)
User Management with audit trail
Hosted payment page (mobile friendly)
Robust Fraud Prevention system
Friendly API with re-query function
High-end Infrastructure DR, Security
the ASEAN Payment People
Multi-Payment Channel
And more…#Besides supporting Malaysia’s local payment options, eGHL also supports local payment options for other countries, including Thailand, Singapore, Australia, New Zealand, China, Middle East & North Africa Region, etc.
FX M
anag
erMerchant
Thailand
Philippines
the ASEAN Payment People
Merchant portal allows users to access consolidated reports online, at anytime from any device for:-
- Transactional reports- Settlement report- Chargeback report- Sales statistics- Refund report, etc.
Multiple users access with audit trails.
Report can be exported into .CSV file.
Mobile view friendly (uses responsive design)
Customizable at merchant level.
Real-Time Reporting
the ASEAN Payment People
With our Bank-Direct solution, the merchant can choose one of several ways to implement the payment page:
• Standard hosted payment page• Customized hosted payment page• Your own payment page*
Using eGHL Hosted Payment Page saves the merchant from incurring PCI DSS compliance costs.
*Note: 1. Parameters passing through server to server method.2. ASV Scan is required for this option to comply with PCI Data Security
Standard.
Hosted Payment Pagewww.e-ghl.com
the ASEAN Payment People
www.e-ghl.com
Hosted Payment Page - Standard
*Standard *Using iframe
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eGHL customises the hosted payment page to make the page’s look and feel similar to the Merchant’s website.
Hosted Payment Page - Customised
the ASEAN Payment People
Customer enters card details at the Merchant’s own payment page
Server to sever integration required for this option.
Quarterly ASV Scan is required to comply with PCI Data Security Standard as the Merchant is capturing card details.
Own Payment Page
the ASEAN Payment People
eGHL has built its own fraud prevention tools to help merchants identify fraudulent transactions.
eGHL also provides professional consultation in fraud & risk management to merchants.
Robust Fraud Prevention System
Incoming Online
Transactions
Frauds Frauds Frauds
Pre-Authorization• Transaction filtering• Blacklist database• Order velocity
monitoring• Customer order
history check• Transaction limit• BIN related check• Etc.
Authorization• Payer
authentication (3D Secure)
Post-Authorization• Fraud Scoring• Fraud
monitoring• Manual review• 3D result
reference
Genuine Transactions
the ASEAN Payment People
Friendly API for easy integration Major shopping carts in the country already integrated with
eGHL payment page
Payment plugins also built for open source shopping carts
Easy To Integrate
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Why eGHL
Well established company
24x7 merchant support
High scalability, stability and processing capability
3rd-party fraud scanning service + fraud monitoring service
PCI DSS 2.0 compliance
Comprehensive payment channels
www.e-ghl.com
the ASEAN Payment People
Presentation by Raj LorenzGroup CEOGHL Systems Berhad