pm processing 03 2015(eng)

PM PROCESSINGprocessing platform for e-commerce

Part of EcommPay Group

2PM PROCESSING

About UsPaymantix – developer of modern technological solutions for following institutions:

The company has developed the processing platform with convenient and reliable payment services.

• Banks and Financial Institutions

• Fintech Startups

• Telecom Companies

• Government Institutions

• Major Online Merchants

All payment solutions are available in two versions — PaaS or In house.

Outsourcing development and exploitation of any payment services.

Integration with various third-party payment services prevent any competition with platform users.

Various advantages of deep customization to the customer needs and to his project.

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Major Facts and Figures

Facts

Founded in 2011. Part of EcommPay Group

Headquarters in Amsterdam, Netherlands Sales office in Moscow, Russia

Professional IT employees

Completed large e- and m-Commerce projects

Payment processing solutions are PCI DSS compliant

Figures

Accessibility of systems and services to achieve customer needs

Outstanding growth of business in 2013 (increase of total turnover)

Powerful and disaster resistant infrastructure with capacity more than

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Integration with Financial InstitutionsBank Cards

E-Wallets

Prepaid Vouchers

Offline Payments Operators

Mobile Commerce

Payment Aggregators

E-invoicing

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PM Processing —What is it?

PAYMENT SYSTEMS

E-wallets and e-money systems

Payment Service Providers (PSP) / payment aggregators

Acquirer banks

Payment kiosks

Mobile and SMS commerce

PSPs that are using Paymantix solutions

And many others

YOUR PAYMENT SERVICE

PM Processing

PM Fraud-Stop

ADVANCEDANTI-FRAUD

Processing platform for e-commerce

YOUR MERCHANTS

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PM Processing —Who needs it?

complex solutions to improve sphere of e-commerce services for web-merchantsthat are clients of a bank.

multifunctional payment platform for effective merchants use, that providesmanaging and monitoring of transactions.

Ready for use payment gateway integrated into many payment systems.

BANK

PSP / AGGREGATOR

LARGE MERCHANT

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PM Processing — for Bank

BANK

IPM – Visa, MasterCard, American Express,JCB, Diners Club, China UnionPay, etc

Local payment systems (Golden Crown, PRO100, etc)


Payment kiosks


PSP / Aggregators or banks, that are using Paymantix solutions

And many others

BANK’S INFRASTRUCTURE

PAYMENT SYSTEMS

ABS

Bank processing center (OpenWay, BPC, Compass Plus, etc)

PAYMANTIX’S

INFRASTRUCTURE

ADVANCEDANTI-FRAUD

(PM Fraud-Stop)

YOUR PAYMENTSERVICE

(PM Processing)YOUR MERCHANTS

Exporting financial transactions

Transactionsby bank cards

Transactions

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PM Processing — for PSP / Aggregator


Acquirer banks


Money transfer systems

Payment kiosks

Banks and service providersthat are using Paymantix solutions

And many others

PAYMANTIX’S

INFRASTRUCTURE

PAYMENT SERVICE PROVIDERS

ADVANCEDANTI-FRAUD

(PM Fraud-Stop)

YOUR PAYMENTSERVICE

(PM Processing)

YOUR MERCHANTS

ExportingData

Transactions

PSP / AGGREGATOR

CRM PSP/

AGGREGATOR

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PM Processing — for Large Merchant

PAYMANTIX’S

INFRASTRUCTURE

ADVANCEDANTI-FRAUD

(PM Fraud-Stop)

YOUR PAYMENTSERVICE

(PM Processing)

YOUR MERCHANTS

ExportingData

Transactions

CRM AND / OR

ANOTHER

BACKOFFICE

SYSTEM

LARGE MERCHANT PAYMENT SERVICE PROVIDERS


Acquirer banks


Money transfer systems

Payment kiosks

Banks and service providersthat are using Paymantix solutions

And many others

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PM Processing — Solution Architecture

Paymantix

PM Processing

Acquiring Bank Acquiring Bank Acquiring BankBillers

Payment Aggregators

BillersBillers

Client profiles Database

FraudStop

Billing

MNOes

Mobile applications

WAP и WEB

SMS/USSDScanbarcode

NFCBank Card

Bank account

Virtual Bank Card

Electronic money

Subscriber’s account

Cash In

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PM Processing —Main AdvantagesGREAT AMOUNT OF FUNCTIONS AND

POSSIBILITIES

Recurrent payments, MO/TO, multicurrency,

multilingual support, intelligent system of

payments routing, payouts, advanced

merchant interface, customized web pages for

payments, API, separate test environment and

many others.

ADVANCED SECURITY SYSTEM

FROM DIFFERENT THREATS

3-D Secure, intelligent antifraud system, PCI

DSS, effective data coding by RSA and AES

algorithms, using secure code principles,

code review, ASV scanning and threat attack

tests are held per quarter.

STABILITY AND FAILURE-

RESISTANCE

All system components are duplicated,

positioning on two data centers, 24/7

monitoring service, permanent database

backup.

QUICK START

It takes only few weeks from an idea up to

your personal payment gateway.

PROFESSIONAL SUPPORT

24/7 technical support and monitoring, that

are able to solve any operational problems.

ADDITIONAL ADVANTAGES

- Available improvements of our system to your

specifications;

- Personal account manager;

- Permanent system developing – new functions,

integrations and possibilities;

- Consultations of professionals and payment

technology experts;

- Flexible circumstances that pay attention to

details of your project.

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PM Processing — Integration CapabilitiesPROCESSOR API

universal module for integrating with any acquirer,

payment system or payment provider.

PAYMENT PAGES

subsystem of payment page customization.

INTEGRATION LIBRARIES

ready for use integration libraries that are fit to most popular programming languages.

INTEGRATION TOOLStools and components for systems integration setup.

MANAGEMENT API

program interface that provides various opportunities to

operate your payment accounts, to setup certain sites and

to organize processing in general.

PAYMENTS IFRAME

payment interface in iframe that is easy to integrate into

any website.

GATE API

host-to-host interface that allows to perform pay-in and

pay-out transactions.

INTEGRATION MODULESready for use modules for fast integration to the most popular CMS systems and e-commerce.

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PM Processing —ModulesCORE TRANSACTION PROCESSING

technological platform with high quality of production,

safety and security.

BUSINESS INTELLIGENCE

intelligent processing and correlation of payment data

that synthesize it into useful business information.

CASCADING

automatically rerouting the transaction by additional gateways if transaction received with fail response;

the transaction is rerouted over and over until it has been sent to all of the banks available for use.

MANAGEMENT GATEa gateway that provides remote management of the processing system.

PAYMENT GATE

gateway realize all transactions supported by the system.

PAYMENT TERMINAL

system that generates payment pages and payment logic

for a specific merchant.

3-D SECUREVerified by Visa, MasterCard SecureCode, JCB J/Secure, American Express SafeKey and DinersClub ProtectBuy.

FRAUD-STOP

intelligent system of fraud and threats monitoring.

ROUTING

arrangement of transactions routes on different accounts

that depends on configured rules.

ADMIN BACKOFFICEfunctional operator’s interface that gives opportunity to manage all settings while system is using.

CASHIER

complete tool for easy and comfortable creation of the Cashier

section on projects that provide users to accept payments and

conduct payments.

KEYSERVER

the system provides keys for data coding that are used in

processing.

MERCHANT BACKOFFICE

functional merchant interface that gives opportunity to view reports and statistics, to manage transaction and more.

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PM Payment Terminal —ModulePayment terminal*

Payment terminal is a web interface to perform purchase transactions.

6 main payment types:

– bank cards;

– e-wallets;

– e-invoicing;

– prepaid payment systems;

– offline payment terminals;

– mobile commerce.

* Payment terminal can be easily customized

under merchant’s needs.

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PM Cashier —ModuleCashier

Cashier is a web interface to perform pay-in and pay-out transactions.

Main functions:

– make a deposit;

– request a payout;

– view transaction history.

There are 3 types of cashier interface*:

1) 1-click interface;

2) The mobile version for display on mobile devices;

3) i-frame to embed interface into Merchant web site.

Important features:

There is a special option of cashier to save the payment details to perform quick payments. Once

the operation is done - the future payments will not need to fill in payment details again. You only

need to enter CVV code. The same function exists for e-wallets, mobile commerce, etc.

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* Cashier machine can be always customized to the Merchant web site design style.

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PM Processing —ModulesMONITORING

transaction monitoring according to the defined business

rules based on specific parameters of the transaction or

statistical data for the time period.

BILLING

transaction verification and tarrification, allows to

generate statements for each merchant or site.

ONE-CLICK PAYMENT

quick payment in 1 click with cards linked to cardholder’sprofile on merchants sites.

PAYOUTSsubsystem for making payments to users, taking into account local balances configured rules and restrictions.

CURRENCIES

multicurrency exchange using different source courses.

SANDBOX

test environment with an ability to transfer settings to a

production environment.

EXCHANGERautomatic system of funds transfer between different payment systems.

AGENTS & AFFILIATES

automation of cooperation with agents and partners.

RECURRING

subsystem of recurring fees.

MONEY TRANSFERP2P transfers by the card number.

Coming soon

E-WALLET

solution for e-money and e-wallet systems.

LOCALIZATION

multilingual support 10 + popular languages.

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Available Services WHITE LABEL

Customization of payment gateway to the customer

needs and to his project

INTEGRATION SERVICES

A team of professional engineers that helps to

integrate your customers to your payment service

DEVELOPMENT OF PAYMENT SERVICES

Realization of your ideas with a help of our well-runproduction, professional team and expertknowledge in the payment industry

CUSTOMER BACKOFFICEMerchant interface that gives opportunity to view reports and statistics, managing transactions, limits control and others

TECHNICAL SUPPORT

24/7 technical support that are monitoring the

system and are able to solve any operational

problems

CONSULTING

Expert knowledge and experience of the paymentIT-industry will help you get detailed consideration ofyour ideas and approximate plan of its realization

RISK MANAGEMENTA set of risk management services containscompliance sites check with the rules of Visa andMasterCard (compliance), monitoring and counteringfraud (fraud monitoring & prevention) and work withreclamations (chargeback management)

SANDBOX

Test environment with an ability to transfer settings to a production environment

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PM Processing —Delivery Options, Terms and PricesPaaS In house

System placement On Paymantix’s infrastructure On the Customer’s infrastructure

Technical supportby Paymantix by Customer itself

Integration and support for merchants

Consult and support of the CustomerYes, included in the price

Yes, 10% of implementation price of the project per year

Updates with new features

Updates with bug fixes Yes, included in the price

Risk management Yes, if PM Fraud-Stop is used

Source code availability No Yes

Terms of project organization 1-2 months 2-6 months

Price formationSetup fee — one timeMaintenance — monthly

Setup fee and license —simultaneously

CostRequest a quotation for your project:+7 499 653-80-08, [email protected]

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Steps of Creating Your Payment Gateway

1 SETUPInstallation and setup of

PM Processing,

interface branding.

3 CONNECTConfiguring connections to necessary

payment systems and providers.

2 CUSTOMIZEImplementation of necessary

improvements and integrations.

4 STARTLaunch to production.

Paymantix LLC+7 (499) [email protected] Derbenevskaya Embankment,Moscow, 115114, Russia

https://www.facebook.com/paymantix

www.linkedin.com/company/paymantix

Payment solutions that increase effectiveness of your business!

Part of EcommPay Group

pm processing 03 2015(eng)

Software