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Payments Powering Platforms TRACKER™ APRIL 2018 GODADDY TURNS TO INTEGRATED PAYMENTS TO POWER SMBS How GoDaddy is powering customers’ payments Mastercard, MegaFon collaborate on Find the top providers in our Tracker new mobile apps Scorecard – p. 6 (Feature Story) – p. 10 (News and Trends) – p. 16 powered by Table of Contents PAGE What’s Inside A look at the quickly evolving payments platforms ecosystem, including how new digital and mobile payments platforms are helping boost online sales in 03 developing economies PAGE Feature Story Greg Goldfarb, vice president of product and eCommerce for GoDaddy, on how the company works to help its SMB customers keep up with larger 06 competitors through new payment acceptance tools PAGE News and Trends Payments processing giants Discover, Mastercard and Visa announce new platform partnerships, and plenty of other recent headlines from around 10 the Payments Powering Platforms space PAGE Methodology | Top Ten Rankings Best of the bunch 14 See which companies are on top and how they got there PAGE Scorecard The results are in. 16 See this month’s top providers PAGE About 71 Information on PYMNTS.com and WePay ACKNOWLEDGMENT The Payments Powering Platforms Tracker™ is powered by WePay, and PYMNTS is grateful for the company’s support and insight. PYMNTS.com retains full editorial control over the findings presented as well as the methodology and data analysis. Payments Powering Platforms Tracker™ © 2018 PYMNTS.com All Rights Reserved April 2018 | 2 What’s Inside an digital payments be the key to unlocking basic move is designed to give the country’s online economy a utilities for remote populations? jumpstart. CMore than 110 million Africans live “under As mobile and online payments platforms continue to the grid,” according to recent reports, meaning they expand their influence, companies around the world have live directly below existing infrastructure and utilities recently looked to debut new solutions and offerings to like electricity but lack access. Now, digital payment keep up with the pace of the payments evolution. platforms are promising to bridge that gap. A look around the Payments Powering Platform This includes a recent partnership between Kenyan solar world energy company M-KOPA and payments processor Platform-powered payments are also coming to the Mastercard. The pair will use Mastercard’s Masterpass insurance industry. mobile payments platform to help East African residents afford and access solar power and other basic utilities. Insurance provider Allianz Partners recently announced it is working with payments processor Visa to create a new Africa isn’t the only region seeing improvements, payment solution, Allianz Prime, allowing customers to however. Digital payments platforms are also helping make insurance payments on their mobile devices. The to revolutionize the ways consumers worldwide pay for app will also help them earn rewards as part of Visa’s utilities and day-to-day purchases. Wirecard-run loyalty program, and includes a smart In Vietnam, for example, digital payment volume jumped spend tracker to help manage accounts and expenses. by 22 percent in 2017, according to Vietnamese online Social messaging service WhatsApp is also foraying into news source VnExpress. Its consumers spent more than mobile payments. $6 billion via digital payments platforms that year, and growth is expected to continue to climb in the coming The company recently announced it is adding payments years. In fact, total volume is projected to hit $12.3 billion to its messaging app, which is especially popular among by 2022. Indian consumers. Its person-to-person (P2P) payments feature will be based on the Indian government’s Perhaps inspired by digital payments platforms’ success Universal Payments Interface (UPI), and the app will soon in other countries, Saudi Arabia recently announced support in-store payments through QR codes. that its mada domestic payment network is partnering with Mastercard to enable online payments via the Google is also getting in on the platform payments latter’s Payment Gateway Services technology. The game. It recently announced that its Google Pay mobile wallet can be used to pay for tickets for the Payments Powering Platforms Tracker™ © 2018 PYMNTS.com All Rights Reserved April 2018 | 3 Las Vegas Monorail. In a blog post, group product feature story (p. 6), Goldfarb gives PYMNTS an inside manager for Google Pay Prakash Hariramani said the Las look into how the company is providing small businesses Vegas Monorail is already powered by NXP’s MIFARE and their customers with all the payment tools and contactless technology, enabling it to accept digital features needed to compete in the digital age. payments for tickets. Payments Powering Platforms April Updates To find more on the latest platform payments solutions We’ve profiled more than 100 players in this issue of the from around the industry, check out the Tracker’s News Tracker, including four new additions: BitPesa, Dream and Trends section (p. 10) Payments, Electronic Payments and Tipalti. Why GoDaddy is turning to payments to help boost SMBs No matter the industry, small and medium-sized businesses (SMBs) need an efficient, easy way to accept and process payments. As it turns out, those payments can often be the difference between their being able to compete with industry giants or failing to get off the ground. Development platform provider GoDaddy is looking to provide SMB owners with the payment tools to grow their companies, according to Greg Goldfarb, vice president of products and eCommerce. In an interview for this month’s Payments Powering Platforms Tracker Payments Powering Platforms Tracker™ © 2018 PYMNTS.com All Rights Reserved April 2018 | 4 What’s Inside Five Fast Facts Percentage of Chinese travelers who would spend more with overseas merchants if they 91% accepted Chinese mobile payment platforms 70 Projected number of payments made using 5 billion online platforms by 2022 $3.3 Anticipated value of remote payments trillion spend for digital and physical goods Projected CAGR of the mobile payment 39.1% platforms market by 2020 726 Predicted number of transactions made Billion through digital payment methods by 2020 Payments Powering Platforms Tracker™ © 2018 PYMNTS.com All Rights Reserved April 2018 | 5 GoDaddy Turns To Integrated Payments To Power SMBs Payments Powering Platforms Tracker™ © 2018 PYMNTS.com All Rights Reserved April 2018 | 6 FEATURE STORY “We serve a very broad range of different types of small businesses or people who are in the start of creating businesses.” GREG GOLDFARB vice president of products and eCommerce at GoDaddy Whether they’re hairdressers that are wizards with a that can display their latest styles and carpenters must razor and shears, clothing designers with a knack for create an online presence to help them stand out and new looks or carpenters with all the tools of the trade, all find work in, well, woodworking. small businesses need to get paid. To help address these challenges, development platform While SMB owners may be masters of their crafts, few providers are working to integrate one-touch payments are experts in efficiently resolving their payments pain on SMB websites, enabling companies to better points. They need websites that offer online payment compete in the digital age. In a recent interview with capabilities to stay competitive, preferably with clean and PYMNTS, Greg Goldfarb, vice president of products simple interfaces to ensure they can quickly accept and and eCommerce at domain registrar and web hosting process customers’ payments from a range of payment platform GoDaddy, explained how the firm is looking to methods. use payments-powered products and features to stand apart from other players in the space. These small businesses may all need to get paid, but they don’t all need — or want — to get paid the same way. “We serve a very broad range of different types of small businesses or people who are in the start of creating With customer expectations on the rise, SMBs also businesses,” Goldfarb said. “So, we really try to work to need much more out of their websites than before. offer the tools that can make all different kinds of small Hairdressers want to be able to book appointments at businesses successful online.” the drop of a hat, clothing designers need an online store Payments Powering Platforms Tracker™ © 2018 PYMNTS.com All Rights Reserved April 2018 | 7 Feature Story Adding payments to online stores, calendars and more GoDaddy currently serves roughly 17 million businesses around the globe, according to Goldfarb, and has customers in just about every industry. To help them grow, and help GoDaddy grow by extension, the company must provide SMBs with tools to fit their specific needs. For example, GoDaddy recently added an online appointment calendar feature to its platform, via a partnership with Square, to aid salons and other appointment-based businesses. The calendar is designed to cut down on the number of missed appointments — and associated missed revenue — by syncing with other popular calendar apps to help inform customers of their upcoming activities. “There are millions of service-based businesses [that] get Though online calendaring can help salons and other bogged down with scheduling clients,” Goldfarb said. appointment-based businesses run more efficiently, they “Missed calls, multiple emails and texts and calendar only solve part of the problem. To keep up with larger malfunctions lead to missed appointments, which directly competitors online, SMBs need eCommerce stores that impact their success.” are easy to navigate and help them grow beyond their storefronts. WE WANT TO HELP A robust online presence means it is critical for SMBs to SMALL BUSINESSES UP be able to seamlessly accept payments online. To that THEIR GAME SO THEY end, GoDaddy now enables them to integrate payments CAN OFFER THE SAME into their web interfaces, allowing customers to purchase “FLEXIBILITY OF LARGER products with a single click, Goldfarb explained.
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