THE ONLINE ARENAIn the UK, more than 50% booked holidays online

In Spain, more than 60% of e-com is related to travel

In Italy, more than 48% of e-com is related to travel

In the USA, online travel market generating $150,000,000,000 (yearly)

Africa, fast growing market: Deloitte: Africa GDP to top $3.7 trillion by 2019

THE ONLINE ARENAOnline reviews

THE ONLINE ARENASocial media

THE ONLINE ARENAThe hotel website

ONLINE PAYMENTS“…any transaction where the credit card and it’s owner are not present…”

FORMS OF PAYMENTHow to pay online? Credit card

Debit card

Pre-paid card

PayPal

Apple Pay

Google Wallet

Mobile Money

Bitcoin

ONLINE PAYMENTS – ALL TERMSCredit card schemes Visa, MasterCard, American Express

Owners of the network

Credit Card Payment card issued to users as a system of payment. It allows the cardholder to pay for goods and

services based on the holder’s promise to pay for them

ONLINE PAYMENTS – ALL TERMSIssuer Card association (scheme) member issuing branded payments card

Pay on behalf of the card holder

Card holderThe person who owns the card

Acquirer Process credit card payments for the merchant

Acquires credit card payments from the card issuing bank within the scheme network

Merchant accountAccount that allows business to accept credit card payments

ONLINE PAYMENTS – ALL TERMSGateway E-com application service provider

Authorize online credit card payments

Payments Service Provider (PSP) Online services to accept online payments

All in one solution

CREDIT CARD – HOW IT WORKS?

CREDIT CARD – BASIC SECURITY Card Security Code CVV / CVC

For online payment only

3D Secure Verified by Visa / MasterCard secured

Online security protocol providing an additional security level to credit card transactions

Change liability (from aquirer to issuer)

Good or bad ?

CREDIT CARD – BASIC SECURITY EMV Europay / MasterCard / Visa

Chip and pin based cards

Case study – Target USA

PCI DSS Payment Cards Industry

Data Security Standards

CARD PRESENT TRANSACTIONCard physically present

Low risk

Low fees

Fast settlement

Simple technology

CARD NOT PRESENT TRANSACTIONCard holder is not physically present with the card

Mail / phone / fax / Internet

High risk

High fees

Slow settlement…

Online technology

SETTING YOUR ONLINE PAYMENTSDo It Yourself?

Outsource?

DIY Merchant account/s, technology, gateway, compliance, fraud prevention, customer care

PSP All in one, single solution

FRAUD AND RISK PROTECT YOURSELF

ONLINE PAYMENTS, WHERE IS THE RISK?Classic fraud Stolen card, Identity theft, email

Service consumed

LOW to MED RISK

Friendly fraud Dispute issues..

Service consumed

LOW RISK

MEET THE BAD GUY’S… FRAUDSTERSINDIVIDULAS – CLASSIC FRAUD

General characteristics Works alone, one-time campaign, low quality stolen card, low quality of personal details

The services ‘Simple booking’, flight, city hotel, short term, one way, “hit and run”

Passenger / Guest The fraudster, close friend / family

MEET THE BAD GUY’S… FRAUDSTERSGROUPS / PROFFESIONAL – CLASSIC FRAUD

General characteristics Well planned campaign, high quality stolen cards (massive list), multiple attempts, acting as an

agent, email campaigns

The service Flights, city hotels, high value packages (commission)

Passenger / Guest Not the fraudster, no passenger / guest

CHARGE-BACKReturn funds to the consumer the consumer protection program

Why to submit a charge-back? Service quality / Service not provided / Merchant not following cancellation policy / Fraud / Friendly fraud

The process Card holder and the issuing banks

Scheme policy

Aquirer and merchant

How to avoid charge-back? Fraud prevention

Service Level Agreement – all levels and refunds

HOW TO PROTECT YOURSELF?Our golden rule:

KNOW YOUR CUSTOMER

TRANSACTION AUTHENTICATIONBasic check-list Do I know the customer?

Service details

Customer details

Passenger/guest

Any known fraudulent pattern?

FRAUD PREVENTION - TECHNOLOGYAlerts Patterns, black-lists

Attempts Multiple cards

Score Fraud and safety parameters

CHECK IN – THE LAST CHANCEAt the check in Ask the customer to present the card

Ask the customer to present their ID

Most effective check point….

CASE STUDIESMultiple Cards

CASE STUDIES

CASE STUDIES

CASE STUDIES

CASE STUDIES

CASE STUDIES

CASE STUDIES

CASE STUDIES

CHECK OUR BLOG FOR MORE EXAMPLES:

www.3GDirectpay.com/blog

NEWS AND UPDATESPumzikaPumzika

Why 3G Direct Pay Limited ?

• Fills the gap between the travel providers and the consumers since 2006

• End-to-end online payments platform • The end-customer can pay online to any travel provider

• The travel provider can be paid online by any of your customers

•All modes of payments and all currencies (USD, KES, EUR, GBP, TZS, ZMW, ZAR and more..)

| Online Payments | 2014 |

OUR SOLUTION

NEWS AND UPDATES

www.3gdirectpay.com/easysettlement

NEWS AND UPDATES

Pay to your suppliers:

NEWS AND UPDATES

Pay and be paid within our network