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Processing services are primarily provided to companies in the B2B segment, e-commerce market participants and online stores. For these groups, Internet acquiring allows them to increase sales, build an efficient and secure process for accepting payments for goods and services, and gain customer loyalty.
This year 39% of all purchases on the RuNet were made with a bank card. In Russia alone, more than 10 banks provide Internet acquiring services to e-commerce market participants. True, for banks, Internet acquiring is not a core business and is not always financially interesting. Therefore, banks do not pay due attention to Internet acquiring technologies, but simply use some standard solutions.
The growth of the e-commerce market enables a large number of users to achieve turnover volumes comparable to the largest physical enterprises. In turn, the growth in turnover causes an increase in interest in the provision of Internet acquiring services to such customers on the part of banks.
In such a situation, banks used to have two ways of developing events: improving the standard solution for Internet acquiring on their side, or solving technological problems by the client himself. Improving the standard solution will be unprofitable for the bank, because building its own transaction monitoring system and constantly improving anti-fraud protection will be time-consuming and expensive. If you do not develop and improve Internet acquiring, there will be a high risk of losing large corporate clients.
To solve this contradiction, the PayOnline processing center has developed and presented to the market a solution aimed at large financial institutions providing Internet acquiring services. Specialists of the PayOnline processing center have developed an innovative product that allows, with minimal financial and time costs, to raise the bank's technological level in the field of service flexibility, transaction monitoring quality, payer support efficiency and payment security to a completely new level.
The PayOnline software product developed for banks makes it possible to deploy an additional "add-on" on top of the bank's existing software solution. It is determined by the needs of the bank and the customers to whom it provides Internet acquiring services. PayOnline can provide, depending on the needs of the bank, various processing services, ranging from flexible add-on of the risk monitoring system to connecting a multilingual support service for end payers.
The complex for banks, developed by PayOnline, has the following advantages:
1.Installation of the "add-on" on the existing software of the bank allows you to fine-tune the security system for accepting payments, focused on the individual needs of the bank and its merchants. This setting can change depending on the type of merchant's business, without creating barriers to the payment acceptance system and significantly reducing the risk of fraud.
2. It is possible to customize the payment solution for each client of the bank. The payment form on the merchant's site is made in accordance with the general design of the site. Also, for transparent implementation of the payment form, the capabilities of the i-frame technology are used.
3. The processing center can take over the support of the bank's clients. The support service of the processing center operates on the basis of an open source system for receiving and processing user requests (OTRS). With the help of open code, you can customize the system of regulations for the requests of each bank client (response time to a request, multilingual service, the possibility of additional consultation of payers by call center specialists on specific issues related to the peculiarities of the business of the bank's client companies, etc.)
The main technological advantage of the software product developed by PayOnline specialists is the ability to integrate into the most common solutions for organizing Internet acquiring, such as Way4 (OpenWay), TranzWare, TietoEnator. The “add-on” is being deployed without global technological changes, in the existing software architecture of the bank, which implements the possibilities of Internet acquiring. Integration can be performed in a limited period of time, and the flexibility of the solution settings allows you to adapt it to the needs of the bank and its customers in real time, complementing and expanding the functionality in the process.
The solutions developed by PayOnline for clients can be deployed both on the servers of the client's financial institution and on the secure servers of the PayOnline processing center. PayOnline is annually certified for compliance with the PCI DSS international security standard. In addition, the requirements of the standard apply to equipment and servers. It should be added that regardless of where the "add-on" is deployed, the client company retains full control over the system settings.
After assessing the needs of the bank and the degree of development of its internal technological and service structure, the PayOnline processing center can provide both a full range of technologies and services, and a certain set of them that a bank needs to provide full-fledged high-quality Internet acquiring services to major players in the Internet commerce market.
This year 39% of all purchases on the RuNet were made with a bank card. In Russia alone, more than 10 banks provide Internet acquiring services to e-commerce market participants. True, for banks, Internet acquiring is not a core business and is not always financially interesting. Therefore, banks do not pay due attention to Internet acquiring technologies, but simply use some standard solutions.
The growth of the e-commerce market enables a large number of users to achieve turnover volumes comparable to the largest physical enterprises. In turn, the growth in turnover causes an increase in interest in the provision of Internet acquiring services to such customers on the part of banks.
In such a situation, banks used to have two ways of developing events: improving the standard solution for Internet acquiring on their side, or solving technological problems by the client himself. Improving the standard solution will be unprofitable for the bank, because building its own transaction monitoring system and constantly improving anti-fraud protection will be time-consuming and expensive. If you do not develop and improve Internet acquiring, there will be a high risk of losing large corporate clients.
To solve this contradiction, the PayOnline processing center has developed and presented to the market a solution aimed at large financial institutions providing Internet acquiring services. Specialists of the PayOnline processing center have developed an innovative product that allows, with minimal financial and time costs, to raise the bank's technological level in the field of service flexibility, transaction monitoring quality, payer support efficiency and payment security to a completely new level.
The PayOnline software product developed for banks makes it possible to deploy an additional "add-on" on top of the bank's existing software solution. It is determined by the needs of the bank and the customers to whom it provides Internet acquiring services. PayOnline can provide, depending on the needs of the bank, various processing services, ranging from flexible add-on of the risk monitoring system to connecting a multilingual support service for end payers.
The complex for banks, developed by PayOnline, has the following advantages:
1.Installation of the "add-on" on the existing software of the bank allows you to fine-tune the security system for accepting payments, focused on the individual needs of the bank and its merchants. This setting can change depending on the type of merchant's business, without creating barriers to the payment acceptance system and significantly reducing the risk of fraud.
2. It is possible to customize the payment solution for each client of the bank. The payment form on the merchant's site is made in accordance with the general design of the site. Also, for transparent implementation of the payment form, the capabilities of the i-frame technology are used.
3. The processing center can take over the support of the bank's clients. The support service of the processing center operates on the basis of an open source system for receiving and processing user requests (OTRS). With the help of open code, you can customize the system of regulations for the requests of each bank client (response time to a request, multilingual service, the possibility of additional consultation of payers by call center specialists on specific issues related to the peculiarities of the business of the bank's client companies, etc.)
The main technological advantage of the software product developed by PayOnline specialists is the ability to integrate into the most common solutions for organizing Internet acquiring, such as Way4 (OpenWay), TranzWare, TietoEnator. The “add-on” is being deployed without global technological changes, in the existing software architecture of the bank, which implements the possibilities of Internet acquiring. Integration can be performed in a limited period of time, and the flexibility of the solution settings allows you to adapt it to the needs of the bank and its customers in real time, complementing and expanding the functionality in the process.
The solutions developed by PayOnline for clients can be deployed both on the servers of the client's financial institution and on the secure servers of the PayOnline processing center. PayOnline is annually certified for compliance with the PCI DSS international security standard. In addition, the requirements of the standard apply to equipment and servers. It should be added that regardless of where the "add-on" is deployed, the client company retains full control over the system settings.
After assessing the needs of the bank and the degree of development of its internal technological and service structure, the PayOnline processing center can provide both a full range of technologies and services, and a certain set of them that a bank needs to provide full-fledged high-quality Internet acquiring services to major players in the Internet commerce market.
