支付平台Paypal在线支付流程分析

nullIntroduction to PayPal Payment SolutionsIntroduction to PayPal Payment SolutionsPayPal Helps Bring You New CustomersPayPal is: Secure Simple FastPayPal Helps Bring You New Customers*Drivers of Consumer Demand for PayPalOpportunities for MerchantsThe PayPal OpportunityThe PayPal Opportunity* PayPal GrowthPayPal helps you grow your business 141M accounts 31% yoy volume growth 190 countries 70+ currencies 1000s of merchants add PayPal every yearPayPal is the safer, easier way to get paid by online shoppers around the world.Understanding the Payment Processing NetworkUnderstanding the Payment Processing Network*The Payment Network Provides Processes and ServicesThe Payment Network Provides Processes and Services*Authorization Process Authorization Process Customer decides to make an online purchase and inputs credit card informationMerchant’s website receives customer information and sends it to a payment processing servicePayment processing service routes information to processorProcessor routes information to bank that issued customer’s credit card (issuing bank)Issuing bank sends authorization (or declination) to processorProcessor routes transaction results to payment processing servicePayment processing service sends results to merchant*Settlement ProcessSettlement Process*Merchant informs the payment processing service to settle transactions Payment processing service sends transaction information to the processor Processor checks the information and forwards settled transaction information to the issuing bank Issuing bank transfers funds to the processor Processor routes funds to the acquiring bank Acquiring bank credits merchant’s bank account Issuing bank includes merchant’s charge on customer’s credit card account7PayPal Provides an All-in-One Solution for Online MerchantsPayPal Provides an All-in-One Solution for Online Merchants*Customer’s issuing bankMerchant’s acquiring bankCustomerMerchantProcessorPayment Processing ServiceProtecting the security of a merchant’s information is the top priority at PayPal. .Understanding the Risks of Internet FraudUnderstanding the Risks of Internet Fraud* An estimated $2.8B USD was lost to online fraud in the U.S. and Canada in 2005 The rate of credit card fraud for online sales is three to four times higher than the overall fraud rate Authentication is a challenge Hackers can break into a merchant’s network Hackers can also steal customer identities Multiple access points for break-ins Vulnerabilities abound… …leading to lossesCommon Fraud-Related RisksCommon Fraud-Related Risks*Using stolen information to open new credit cardsIssuing unauthorized credits or payments Identity theft Cash theft Accessing a payment network to complete fraudAccessing payment networks Using a stolen credit card to purchase goods and servicesProduct theftChargebacks A cardholder disputes a credit card purchaseHow to Protect Your Business Against FraudHow to Protect Your Business Against Fraud*Transaction Level Ensure each transaction you accept and process is valid, and be careful in reviewing suspicious transactions because some may be valid.Account Level Make sure only authorized users have access to your payment gateway account, and be alert for suspicious account access patterns.Network Level Ensure your perimeter is defended against unauthorized access.123Your Disclosure Policy Tells Customers that You Are Honest and DependableYour Disclosure Policy Tells Customers that You Are Honest and Dependable*Business Description – Explains what the company doesShipping Policy – Details shipping terms, shipping classes offered, & expected delivery timeframePrivacy Policy – Describes how the company treats and protects customers’ informationReturn Policy – Provides clear guidelines on how a return is handledContact Information – Makes it easy for customers to get in touch with the merchant via different communication channelsCompliance with PCI Data Security Standards Must Be FollowedCompliance with PCI Data Security Standards Must Be Followed*Protect Cardholder Data Maintain a Vulnerability Management Program Implement Strong Access Control Measures Regularly Monitor and Test Networks Maintain an Information Security Policy Protect stored cardholder data Encrypt transmission of cardholder data across open, public networks Use and regularly update anti-virus software Develop and maintain secure systems and applications Restrict access to cardholder data by business need-to-know Assign a unique ID to each person with computer access Restrict physical access to cardholder data Track and monitor all access to network resources and cardholder data Regularly test security systems and processes Maintain a policy that addresses information securityPayPal Offers the Payment Solution that Meets Your Business NeedPayPal Offers the Payment Solution that Meets Your Business Need*PayPal ProductsScenario #1 Accept online credit card payments with minimal effortScenario #2 Build an all-in-one solution for accepting web, phone, fax and mail paymentsScenario #3 Accept PayPal, keep current payment processorScenario #4 Provide a secure connection from your online store to your merchant accountSelecting the Right Product for Your BusinessSelecting the Right Product for Your Business*What’s Next ?What’s Next ?Start Accepting Payment with PayPal Sign up for PayPal Account Now! Subscribe to Our Ecommerce Blog http://www.neowave.com.my/SELLMORE Learn more on Fraud Alert System http://www.neowave.com.my/FraudAlertSystem/ PayPal Shopping Cart for Small & Mid-Sized BusinessPayPal Shopping Cart for Small & Mid-Sized BusinessSelling Online? Offer your customers security and convenience with PayPal. Using PayPal to process payments within your online store allows you to accept credit, debit and PayPal payments. webShaper e-commerce is fully integrated out of the box with PayPal. Simply select PayPal as a payment option and enter your user ID and password to start taking PayPal payments from your e-commerce site. Test Drive it Today! Logon to http://www.neowave.com.my/DEMO PayPal E-commerce Store Solution nullnullThe information contained in this document represents the current view of Neowave Sdn Bhd on the issues discussed as of the date of publication. 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