Powerful, yet simple. Desjardins Internet Payment Solutions. Payment and Financing Solutions

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1 Powerful, yet simple Desjardins Internet Payment Solutions Payment and Financing Solutions

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3 TABLE OF CONTENTS A host of advantages for merchants 05 Powerful, yet simple 06 Desjardins internet Payment Solutions 07 Which direction will you take? 08 Redirection to the Desjardins payment page: 09 Payment page with advanced customization (template) 10 Payment page with basic customization 11 Without redirection to the Desjardins payment page: Internet selling 13 Integration in a pay station 13 Do you have an Internet catalogue and virtual shopping cart? 14 The 4 main stages of the Internet payment process 15 Transaction functions to meet your needs 16 Online administration tool at your disposal 17 Are you ready? 18 Any questions? We have the answers 19

4 More and more Canadians are making purchases on the Internet Canadians are no longer just browsing, they are buying. Total purchases made on the Internet in Canada (billions of dollars) $39.2 $28.3 $18.9 $11.1 $4.2 $5.7 $ Source: Highlights from the 2005 Survey of Electronic Commerce and Technology (SECT), based on The Daily, April 20, 2006, Statistics Canada. All statistics clearly show solid and sustained growth in online purchases Will you be among them? No fewer than 43% of Internet users made at least one online purchase in Canada, which represents several billion dollars to date. 1 Consumers who have made an online purchase in the past generally spend twice as much as traditional consumers. 2 Close to 67.5% of Canadian households have Internet access, with the number increasing daily. 3 By offering a payment function on your Web site, you allow 4,900,000 Canadians to visit your retail establishment! 4 Average increase of 12.7% 5 in sales. 1 Statistics Canada. Net Impact Ibid 3 Ergonome, Volume 4, No. 2, June Ibid 5 Strategis. Survey of Electronic Commerce and Technology (SECT), April

5 A host of advantages for merchants Lower organizational and overhead costs 6 Substantial increase in the pool of primary and secondary customers Expansion of sales territory across Canada... and worldwide Extended business hours: 24 hours per day, 7 days a week Development of customer loyalty THIS IS THE IDEAL TIME TO OPEN YOUR VIRTUAL CASH REGISTER SYSTEM Desjardins has developed powerful, easy-to-integrate Internet Payment Solutions that will let you make the leap to e-commerce. The time has come to open your virtual cash register... with Desjardins! Profitable Fast increase in sales at low cost Customers can make purchases at any time, from any location Favours impulse buying and multiple purchases Several credit cards accepted (Visa, MasterCard, American Express, Sears, JCB, Discover) Net sales deposited directly into the merchant s account, as of the next day 6 Strategis. Survey of Electronic Commerce and Technology (SECT), April 2006

6 Powerful, yet simple! Efficiency Fast and easy to integrate Flexible solutions Tailored solutions for your business - Shopping cart, call centre, reservation system, pay station, etc. Several options for customizing your payment page Robust computer systems and servers Quebec-based technical support available in English and French Versatility Full range of transactions and functions - Purchase, pre-authorization, pre-authorization completion or reversal, refund, etc. - One-time application for Visa and MasterCard acceptance. Efficient management and online administration tool: - Easy to use - Transaction referencing (no need to re-enter the card number) - A range of reports - Private and secure virtual terminal - Training over the phone in only one hour - Access controls Security Desjardins systems comply with the toughest industry security standards. 6

7 Desjardins Internet Payment Solutions Flexible solutions With or without redirection to a Desjardins secure payment page Without installation of the Desjardins API on servers From a transactional site, a virtual terminal, or even a stand-alone card reading device Desjardins: your trusted advisor Advanced solutions Fast and easy integration Full range of transactions that meet your customers needs Simplified programming with XML 1 Online administration tool module with a multitude of transactional functions Secure payment page with two customization options A list of accredited Desjardins integrators Quebec-based technical support centre Service available in both French and English Qualified and competent specialists 1 Extensible Markup Language 7

8 Which direction will you take? When Internet users click the Checkout button at the merchant s Web site, they are directed to a secure payment page where they are asked to provide credit card information. If this payment page is hosted on Desjardins servers, then it s a solution with redirection, whereas if the payment page is part of the merchant s Web site, it s referred to as without redirection, meaning that Internet users never leave the merchant s Web site. With redirection This is the option preferred by most merchants since credit card information and the customer s personal information are entered on Desjardins secure server. A matter of security Without redirection With this option, merchants are fully responsible for creating and managing their Web site, including the secure payment page where the customer s credit card information is entered. The best of both worlds Desjardins Internet Payment Solutions provide a considerable advantage: you can direct Internet users to a secure payment page that is identical to the merchant s page or that very closely resembles it, while opting for a simple and affordable solution. The user is then redirected in a relatively seamless manner, depending on the design of the payment page chosen by the merchant. There are two payment page options to choose from, each with different features. 8

9 Redirection to the Desjardins payment page: two winning approaches DESJARDINS INTERNET PAYMENT SOLUTIONS: MORE FLEXIBLE THAN EVER!

10 TWO OPTIONS FOR CUSTOMIZING THE DESJARDINS PAYMENT PAGE By customizing their secure payment page, merchants offer their customers an optimal purchasing experience thanks to a secure, smoother or totally transparent redirection, without bearing the responsability of securely entering and storing credit card information. With redirection The ideal purchasing experience PAYMENT PAGE WITH ADVANCED CUSTOMIZATION (TEMPLATE) With this option, the merchant can customize a payment page to match the overall look of the site. Advantages No API is installed on the merchant s server, for greater stability when changes are made to the merchant s server Reduces the rate of purchase abandonment Many transactions available (e.g., purchase, pre-authorization, refund, etc.) Benefits Online administration tool provided Low integration cost Very fast integration Reliability of Desjardins servers Maximum security for merchants and customers, for the best of both worlds : transparent redirection for the consumer, and no need for merchant or host to share credit card information. Example: PAYMENT PAGE home site map contact us CONFIRMATION PAGE ERROR PAGE home site map contact us home site map contact us LOCAL NURSERY 1256 des Érables St., St-Hubert, QC F4E 1P4 info: LOCAL NURSERY 1256 des Érables St., St-Hubert, QC F4E 1P4 info: LOCAL NURSERY 1256 des Érables St., St-Hubert, QC F4E 1P4 info: Cardholder Details *Denotes required field. *Name Address?? Transaction Details APPROVED-THANK YOU : CAD $20.59 Transaction Amount Reference Number : Response Code : Order Number : TRS_1248 Authorization Number : ISO Code : Transaction Time : 14:25:54 Transaction Date : 12/11/08 Transaction Details TRANSACTION NOT COMPLETED Amount : CAD $20.59 Transaction Reference Number : Response Code : Order Number : TRS_1248 Authorization Number : ISO Code : Transaction Time : 14:25:54 Transaction Date : 12/11/08 *Card Number *Expiry Date 06-07?? To complete your transaction and return to the merchant s site, click on the Confirm button Printable version Confirm Printable version Retry Cancel Total Transaction Amount CAD $20.59 Order Details Quantity Item Unit price Copyright 2007 AQUAPLANT. All rights reserved. 1 Plant $20.59 Copyright 2007 AQUAPLANT. All rights reserved. Copyright 2007 AQUAPLANT. All rights reserved. 10

11 With redirection PAYMENT PAGE WITH BASIC CUSTOMIZATION Merchants who choose this approach can customize several settings on the standard Desjardins page: Name Merchant logo Heading colours Colours and fonts Phone number Merchant Web site URL Border colours and styles Background patterns and colours Reliability of Desjardins servers Advantages Low integration cost No API is installed on the merchant s server, for greater stability when changes are made to the merchant s server Merchants benefit from Desjardins brand awareness Fast integration Benefits Reliability of Desjardins servers Most secure solution for both merchants and customers Numerous transactions available (e.g., purchase, pre-authorization, refund, etc.) Online administration tool provided Smoother purchasing experience as a result of relatively transparent redirection. Desjardins Guaranteed 100% Secure program logo, which reassures consumers during redirection. Example: PAYMENT PAGE CONFIRMATION PAGE ERROR PAGE 11

12 Without redirection to the Desjardins secure payment page 12

13 TWO PAYMENT SOLUTIONS AVAILABLE Without redirection Internet selling Merchant creates an XML query and sends it to the Desjardins payment server. Payment page created and hosted by the merchant/host Credit card information entered on the merchant s site Advantages No redirection to a site other than the merchant s Very low rate of purchase abandonment Total control over all data pertaining to the consumer Total control over the appearance of the payment page and its functions Transaction receipt displayed by the merchant Allows for better integration to the merchant s environment and databases Standard computer language: Extensible Markup Language (XML) Numerous transactions available (e.g., purchase, pre-authorization, refund, etc.) Online administration tool provided Without redirection Integration in a pay station No Web site. Card-reading equipment is installed (e.g., parking pay station). distributor, parking pay station, etc. Merchant creates an XML query and sends it to the Desjardins payment server Card read at the merchant s place of business Advantages Allows for fast and secure authorization from any equipment Standard computer language: XML Merchant has total control over credit card information Transaction receipt produced by the merchant Solution that is fast and easy to integrate Many transactions available (e.g., purchase, pre-authorization, refund, etc.) Online administration tool provided 13

14 Do you have an Internet catalogue and a virtual shopping cart? The first step consists in setting up an Internet catalogue and a virtual shopping cart. Your Web designer will know how to integrate these two elements into your current site and thus transform it into a true online store. Your Web designer must have basic knowledge of XML (Extensible Markup Language). In fact, your Web designer is also an integrator. If you do not know where to look, we can recommend a competent company in this field. You can simply go to the Desjardins Internet Payment Solutions section at to find a list of accredited Desjardins integrators; the companies listed are experts in the field and meet the highest quality criteria. 14

15 THE 4 MAIN STAGES OF THE INTERNET PAYMENT PROCESS To better understand how Desjardins Internet Payment Solutions are integrated into your Web site, let s look at a simple flow chart of the main stages involved in making an online purchase with a redirection to the Desjardins secure payment page. 1- Customers shop Customers browse through the aisles of your virtual store your Internet catalogue and place the products or services they wish to purchase in their virtual shopping cart. 2- Customers check out When customers decide to purchase your products or services, they click on Checkout, which takes them to your customized secure payment page hosted on Desjardins Web site, which will then issue a receipt. 3 and 4 - Processing the purchase request Desjardins processes the purchase request and transmits it to the financial institution that issued the credit card. Desjardins will then foward the reply to the merchant site. Order processing and receipt The merchant is informed of the purchases made by the customer, processes the order and then obtains payment by means of a funds transfer or 4 15

16 TRANSACTION FUNCTIONS TO MEET YOUR NEEDS Desjardins Internet Payment Solutions a full range of transactions to meet your needs and those of your customers. Purchase The most widely used and simplest type of transaction. Either the Internet user completes the purchase on your Web site or your staff does from the virtual terminal available online. This is the ideal solution for purchases and orders made by , phone or mail. Pre-authorization Pre-authorization is a purchase transaction that involves two stages. It can consist of a purchase that will be completed once the merchant ships out the customer s order or a reservation made on a hotel s Web site. Pre-authorizations are used to withhold the amount of the transaction without having to complete it immediately, which would require a refund to be issued in the event of a cancellation. The duration of the pre-authorization (before it is cancelled and the funds are released) varies depending on the card issuer s policy. Pre-authorization completion or reversal Pre-authorization completion is the second part of the purchase with preauthorization process. Once the completion is done, the purchase is considered to be completed. The amount is charged to the customer s credit card and the funds are transferred into the merchant s account. Pre-authorization reversal simply consists of the merchant cancelling the pre-authorization such as in cases where the customer cancels the sale or reservation. Refund The refund function applies solely to completed purchase transactions or pre-authorizations. Partial refunds are also available. 16

17 ONLINE ADMINISTRATION TOOL AT YOUR DISPOSAL This multi-user module with private and secure access consists of two sections: an administrative component that includes a range of management tools and a complete transaction component in the form of a virtual terminal that offers a multitude of essential electronic transactions for your mail and phone orders. A full range of transactions Purchase Pre-authorization Pre-authorization completion and reversal Refund Referencing is also available for certain operations, which means that the customer s credit card information does not need to be re-entered. And essential management tools Receipts Downloadable reports Access control Management of authorized activities Transaction history Etc. More Miscellaneous s Confirmation of all purchase transactions that were processed Confirmation of pre-authorization transactions Reminder of the pre-authorization status (completion deadline or expiry) Advantages for merchants! No development work is required by the merchant Integrated and user-friendly virtual terminal No concerns about data security Certain transactions can be made without having to re-enter the credit card number (e.g., pre-authorization completion) Transaction history Data export function in several formats (TXT, CSV, XML) The only requirements are a PC with a recent version of Internet Explorer or Firefox as well as Internet access Turnkey solution available in a few days Training over the phone in only one hour 17

18 Are you ready? What s the next step? Make sure that you meet all of the requirements listed below. Have a company that is legally constituted (e.g., incorporated, registered, limited partnership) Hold a merchant deposit account with a Canadian financial institution Have an Internet merchant number and account with Desjardins for accepting Visa and MasterCard Have a Web site for e-commerce transactions (with an Internet catalogue and virtual shopping cart) Meet financial security requirements Sign a special agreement for , phone or mail transactions Make sure that your host s platforms are compatible with Desjardins systems and servers Adopt and display a confidentiality policy on your Web site Adopt and display a privacy policy on your Web site 18

19 ANY QUESTIONS? WE HAVE THE ANSWERS! Q. How much time does it take to integrate Desjardins Internet Payment Solutions on a Web site? A. It usually takes 2 to 3 weeks to integrate Desjardins Internet Payment Solutions once the Internet merchant account number has been issued. However, this time period depends a great deal on the merchant s Web integrator and the latter s experience with online payment integration on a transactional site. Q. I already have a Visa and MasterCard merchant account with Desjardins Card Services (DCS). Do I need to open a new merchant account for Desjardins Internet Payment Solutions? A. Yes. DCS must issue a new Internet merchant account number so the transactions on your Web site can be separate from those processed at a pointof-sale terminal. This is due simply to the fact that Web transactions are processed differently from POS transactions. Q. How long does it take to obtain an Internet merchant account so that I can sell my goods and services through my Web site? A. Generally, it takes 5 business days to obtain an Internet merchant number after you have submitted all of the required documents. The lead times vary based on the level of complexity involved in integrating Desjardins Internet Payment Solutions into your Web site. Q. I already have a VISA merchant account with another financial institution. Do I still need to obtain an Internet merchant number from Desjardins? A. Yes. To benefit from Desjardins Internet Payment Solutions, a VISA merchant number with Desjardins Card Services (DCS) is required. Q. Do I absolutely need to provide monetary security? A. In line with standard industry practice, DCS usually asks for proof of monetary security. The minimum amount required is often a few thousand dollars. Merchants can ask their own financial institutions to provide the amount without having to use their own funds. 19

20 E-commerce is the future, and the future is now! ONE CALL IS ALL IT TAKES. Business Customer Service Montreal: Toll free: *Visa Int. / Fédération des caisses Desjardins du Québec, authorized users. *MasterCard is a registered trademark of MasterCard International Incorporated. Used under license. *TM used under license from American Express Company A (02/08)