OXY GEN GROUP. pay. payment solutions

Transcription

1 OXY GEN GROUP pay payment solutions

2 hello. As UK CEO, I m delighted to welcome you to Oxygen8. We ve been at the forefront of multi-channel solutions since Headquartered in Birmingham, UK, we have over 200 dedicated employees looking after our clients needs. With a further 10 international offices and operations in over 27 countries, our reach is truly global. Our clients and partners include major mobile networks, newspaper groups, radio and television stations, major high street retailers and banks. Our integrated digital solutions enable organisations to interact more effectively with their customers through the use of our multi-channel communication tools. Thank you James Harrison, UK CEO pay Simplify your payment collections and improve your operational efficiency with our PCI compliant e-commerce, mobile and IVR card payments solution. With Pay, you can significantly reduce the chances of customer data being compromised by automating the payment process and minimising human error, thus greatly improving accuracy while reducing the associated costs, leading to improved brand reputation and consumer confidence. Trusted payments and efficient reporting Accurate transaction reconciliation via unique customer identification Payments are authorised and settled in real-time Customers receive a confirmation number for reference via IVR and SMS Easy analysis of transactions through the dashboard Cloud platform offers fast and easy integration, low set up costs and a high level of stability Reduced handling costs for card payments PCI DSS compliant Some of our awards: Members of:

3 Multi-channel solutions, made simple. Shop Engage Voice Pay Name Card Number Sort Code Security Code Shop Name Card Number BANK Sort Code Security Code Mr A Smith Our solutions You Your customers Multi-channel solutions - putting you in control Features Uses We believe in providing smarter choices to make your marketing and communications as easy as possible. It s a complex landscape which is why we have focused on delivering the solutions that are in demand and actively demonstrate return on investment. Our technology solutions flex across all sectors with features and uses designed specifically to help your business or organisation. With advanced scalable functionality and real-time reporting & analytics, every campaign at every touch-point is focused for better engagement. System integration is made simple through APIs (Application Programming Interface) enabling you to connect your systems or CRM application, taking your marketing to the next level and leaving you in control of more channels with ease. Our technical and product teams ensure full compliance. Continual research and development maintains our presence at the forefront of innovation and our backstage teams are there to support you around-the-clock. Integrated payment solutions Credit card Tokenisation PCI compliant Mobile payments Comprehensive reporting Online payments Collections/ Debt recovery Automated IVR payments Fraud prevention Mobilise payment channels Global coverage

4 PCI DSS compliant IVR payments PCI DSS Cloud Is Pay PCI DSS compliant? Yes, the service provided by Oxygen8 is PCI DSS compliant and we commit to maintain compliance for the lifetime of any contract with a merchant. Oxygen8 provides either a dedicated telephone number or calls can be transferred from your current contact centre to a dedicated IVR payments service. Callers are greeted and guided through the automated service by your personalised voiceover. Payment is processed using DTMF touch tone to enter card details safely and securely in line with PCI DSS. IVR SERVER PAYMENT GATEWAY BANK What does it mean to you? In operational terms, it means that you are playing your role to make sure your customers payment card data is being kept safe throughout every transaction; and that they, and you, can have confidence that they re protected against the pain and cost of data breaches. Who needs to be compliant with PCI DSS? SMS Receipt If you are a merchant that accepts payment cards, you are required to be compliant with the PCI Data Security Standard. You can find out your exact compliance requirements from your payment brand or acquirer. Customer Authorisation and settlement Global card payment processing Our innovative card payment platform and high-availability architecture offers customers a single interface to service global card payment processing through an international network of Acquiring Banks. Consultative approach: By understanding and addressing your unique needs, we can constantly develop new and compelling offerings for you. E-commerce payments A secure and PCI compliant web service to enable customers to make card payments through your website. With Pay, you can accept payments from all major card providers, set up subscriptions and much more. You can add and view your Hosted Order Pages and view all transactions for each of your accounts. By clicking on the Hosted Order Page name you can test and edit your page. We can also assist you to set up merchant accounts to enable trading and accept multiple currencies. Key features: Ability to accept payments from anywhere in the world Ability to process multiple card types including, Visa or MasterCard Credit and Debit cards, American Express, Discovery, Diners Club and JCB Ability to process multiple worldwide currencies Security services including CVV (Cardholder Verification), AVS (Address Verification Service) checking, and 3-D Secure (VBV - Verified-by-VISA and MasterCard Secure Code) Global card payment processing PCI DSS Certified, allowing merchants who are not PCI compliant to process card transactions Allows Merchants to quickly open up new sales channels, e.g. payments from mobile phones Merchants are able to use multiple acquiring banks or change banks as their business needs evolve Integrate easily with major commerce platforms, CRM, ERP and other business systems Connections to multiple UK and European Acquiring Banks Ease of integration via XML API Exceptional service reliability, backed by 24x7 operations support Highly flexible reporting functionality Mobile web payments Take credit card payments through your mobile site, offering a seamless payment experience via mobile devices. Pay complements your existing mobile payment options (such as Payforit). Merchants can also store payment details to enable future credit card payments to take place even faster.

5 Payforit/direct operator billing Payforit is an easy way for consumers to pay online for mobile content and services with their mobile phone account. Consumers do not need a credit card or membership with any payment service provider. Oxygen8 is accredited with all major UK network operators and is a trusted partner of the Mobile Networks and Accredited Payment Intermediary (API) to provide Payforit. Merchant benefits: Increases your market size Opens up new marketing channels Easier opt-in services Enhanced single click (ESC) Automated subscription handling Enhanced conversion rates Build opt-in data for the future Flexible pricing Reduced customer care costs ESC is a gateway that determines if the website is compliant or not as the user uses the site. It does this by ensuring Payforit rules are met at all times, through analysing the content and pricing of the website pages. The client will design the host site but we will make sure that the content meets Payforit compliance and Oxygen8 s compliance process when presented to the proxy. The proxy works on a traffic light system allowing us to approve or reject pages. When a page is rejected, information from the proxy will be sent back with actions helping the client rectify the page so it meets the compliance rules. Tokenisation What it is: Through tokenisation, credit card numbers are replaced with a randomly generated series of numbers called tokens, which are of little use to hackers as they cannot be used to make fraudulent purchases. How it works: When a transaction is processed a token is automatically generated and returned to the merchant for future reference. This token is associated to the credit card number used during the transaction. For subsequent transactions, the merchant can process a new transaction by referencing the token and the Pay gateway will process the charge on the credit card associated to the token. The gateway stores the actual credit card data in a compliant environment for processing but only displays the token for anyone accessing the Pay web portal to view the transaction details. Every payment processing function previously operated by the merchant on a credit card number can now be performed using the token information such as initiating a recurring payment or issuing a refund. Safeguard your payment transactions Address and card security code verification As part of the transaction process, Pay performs checks on: 1. Address - The Address Verification System (AVS) is a system used to verify the address of a person claiming to own a credit card. 2. Card Security Code Verification (CVV2). - The card security code located on the back of credit or debit card and is typically a separate group of 3 digits to the right of the signature strip. Key features: Key benefits: Reduce fraud by requesting and checking additional transaction information Minimise brand damage that can result from rejecting legitimate transactions Reassure customers that transactions are being handled securely Managed service allows Merchants to meet industry mandated standards Available as a measure to control risk on bank card transactions Included in Standard Bank Card service at no extra cost Increasingly, Acquiring Banks are mandating CVV2 for authorisation Customer site Proxy server Approved O8 Payment server Customer site Hosted card capture solution Hosted order page Oxygen8 has extended its Pay platform to offer a Hosted Card Capture solution. The solution may also help merchants reduce their PCI DSS compliance obligations by removing card details passing through their website(s). Key features This method via a XML API connection has been designed for a merchant who wants a ready-to-use solution. Alternatively, these can be either preformatted iframe, or a customisable one that retains the look and feel of your website. Benefits: Secure collection and transmission of PCI DSS controlled data Seamless integration into existing payment pages using iframe technology Allows merchants to retain the look and feel of the website without customers feeling that they are being redirected to another site to take payment Web portal & reporting Oxygen8 provides a comprehensive real time reporting facility that helps streamline the operational management of your payment processing. A single, secure and easy-to-use interface for managing and configuring payment processing services is provided. Key features and benefits: Initiate transaction searches and receive full payment detail Obtain end-to-end visibility into your payments lifecycle Downloadable reports (available in multiple formats) Configurable user access privileges Create and manage recurring billing accounts Access your payment activity information at both transaction and corporate summary level As with all products and services the Oxygen8 Reporting Console is fully PCI DSS compliant Configure and access a virtual terminal to manually process phone/ mail order payments

6 3-D Secure Some of our clients The 3-D Secure scheme creates a virtual Cardholder Present (CP) environment during internet transactions, guaranteeing payments for the merchant and providing a safer e-commerce and m-commerce experience for the card holder, vastly improving the payments experience for all involved. MasterCard have implemented their version of 3-D Secure, called MasterCard SecureCode, while Visa have called their brand Verified-by-Visa. Both of these protocols are brand identities of the 3-D Secure Cardholder Authentication Scheme. How can Oxygen8 help? Oxygen8 has developed an efficient and resilient 3-D Secure solution, incorporating both MasterCard and Visa brand identities of 3-D verification. Key features: Supports Verified-by-Visa and MasterCard SecureCode Pre-accredited with major Acquiring Banks Ease of integration via a Merchant Plug-In (MPI) accessed through the existing Oxygen8 XML API Enables both international and domestic Maestro processing Oxygen8 is a one stop solution for all current and future card schemes participating in 3-D Secure Key benefits: Minimise online credit and debit card fraud and customer disputes Obtain relief from fraud liability - receiving chargeback protection on qualifying transactions Reassure customers that transactions are being handled securely Possibility to negotiate reduced Merchant Service Charges from Acquiring Banks for 3-D Secure transactions No reliance placed on third parties enabling direct technical support and customer service Call Connect Call Connect instantly bridges calls from a call centre to a consumer s mobile device when appropriately triggered, ensuring engagement with an individual right at the point of requirement. Call Connect can be triggered by a range of call-to-actions and is suitable for any organisation looking to improve customer contact, reduce costs and improve overall operational efficiencies. Typical uses for Voice Push include: Integration into existing call centre systems via API Editable caller ID presentation Call whisper/call screening capability Automated payment options Definable number of concurrent calls Dedicated port capacity PSTN termination to over 170 countries VoIP termination Trigger can include SMS, voice and Connect from SMS, voice or notifications into your call centre, allowing you to speak directly with your customers. This person-to-person interaction makes sensitive issues such as debt collection easier for the recipient and provides an immediate way of receiving money. Your Company Connect from notifications pay payment solutions engage multi-channel solutions voice interactive voice solutions Customer SMS Voice Call centre Payment form Thank you SMS

7 OXY GEN GROUP Smarter choices = better engagement 12th Floor, Lyndon House, Hagley Road, Birmingham, B16 8PE, United Kingdom sales@oxygen8.com