What Do Merchants Need To Be Successful Online? Understanding All of The Working Parts Involved In Successfully Accepting Payments Online
Domain Registrar Web/App Developer Web Hos ng Shopping Cart Accep ng Payments The Common Merchant Struggle: Piecing Together All of The Working Parts To Get Their Ecommerce Store Up and Running
To do this, he knows he will need to:
This is Joe the Merchant Register a Domain for He wants to sell blue widgets online his ecommerce website and even a er all of that, there is
s ll one missing piece Joe needs….
Find a good Web Developer Accep ng Payments
Decide on a Hos ng Company
Select a Shopping Cart provider Great Ques on Joe. What Do Merchants Need to Accept Payments?
Merchant Account Payment Gateway Account Payment Processor • A merchant account, also known as a MID • If a merchant wants to get paid, they need a (short for Merchant ID), is a type of bank A merchant account and payment payment gateway account. gateway account both connect to account that enables merchants to accept and • A payment gateway account connects to the the processor & both accounts are process payments through debit & credit card processor & securely transfers informa on transac ons and connects the merchant with essen al in order for merchants to accept payments. between the merchant’s website and their the processor. merchant account.
• Merchants can obtain a merchant account • A payment gateway is what authorizes credit
through a Merchant Service Provider. card payments and is the equivalent of a • Merchant accounts are a necessity for many physical point-of-sale terminal located in most businesses, and are essen al for merchants retail outlets. with ecommerce businesses.
Let’s Walk Through the Steps with Joe Now that Joe knows what he needs, he is only a few steps away from accep ng payments on his ecommerce store
Now Accep ng Payments!
Joe’s Merchant Account Joe’s Payment Gateway Account
• Joe applies for a merchant account through one + • Joe needs a payment gateway account so he = of the many Merchant Service Providers. can connect his MID to his website. • The Merchant Service Provider has a list of • Joe opens a gateway account with NoblePay requirements given to them by its acquiring bank (see slide 5 for defini on). • Joe’s applica on sa sfies all the requirements and he is granted a MID!
How Does Credit Card Processing Work? Understanding All of The Working Parts Involved In Processing A Credit Card Transac on
Cardholder Merchant Payment Gateway Payment Processor Issuing Bank Credit Card Network Acquiring Bank
Key Players in Processing a Credit Card Transac on
Cardholder Merchant Issuing Bank Credit Card A cardholder is someone A merchant is someone who (Cardholder Bank) Network who has obtained a credit wants to accept credit and debit or debit card from a card card payments from their The issuing bank issues credit The credit card network issuing bank. They are the customers (cardholders) for the cards to consumers. They are helps to connect the one who begins the credit goods or services they sell. They responsible for paying the issuing and acquiring or debit card transac on by must obtain a merchant acquiring bank for the banks by rou ng the using their card to make a account and set up a payment Suzi’s Bank purchases their cardholders appropriate transac on payment to a merchant for gateway account before they make. informa on between the their goods or services. can start accep ng payments two banks. and get paid. This is Suzi Look it’s Joe!
Payment Gateway Payment Processor Acquiring Bank The payment processor works to actually process the A payment gateway authorizes (Merchant Bank) credit card payments and is what credit card transac on from start to finish. It does The acquiring bank is also referred to as securely transfers payment this by connec ng the merchant account with the NoblePay Gateway so it can receive the transac on the merchant bank because they create informa on between the details and it also connects the NoblePay Gateway to and maintain merchant accounts that merchant’s website and their Joe’s Payment Joe’s Processor the Credit Card Network for authoriza on from the allow a merchant’s business to accept Gateway Account merchant account. issuing bank. Joe’s Bank credit and debit cards.
Credit Card Transac on Flow
2. Suzi’s Transac on Details are Sent to NoblePay The NoblePay Payment Gateway references Joe’s MID and using a secure connec on to the paym ent processor, routes the transac on details on to th em. 1. Suzi the Cardholder Purchases a Blue Widget Joe’s Payment Processor Suzi has been searching for the perfect blue widget and a er finding Joe’s Blue Widget’s ecommerce site she decides to buy one. So she enters in her payment info and submits the transac on.
Joe’s Payment Gateway Account Joe’s Merchant Account w
3. Joe’s Payment Processor Receives the Transac on Details A er Joe’s payment processor receives them, they send the request on to the Credit Card Network who iden fies the issuing bank for the payment card and sends the request on to them.
Step 3 Step 3
Step 4 Step 4 Joe’s Payment Processor Issuing Bank (Suzi’s Bank)
Credit Card Network
4. Suzi’s Issuing Bank Approves or Declines Transac on A er the issuing bank checks Suzi’s account, they either approve or decline the transac on and then the results back to the Credit Card Network who sends it back to Joe’s payment processor.
5. Joe’s Payment Processor Relays the Results back to NoblePay A er Joe’s Payment Processor receives the results, they relay them back to the NoblePay Gateway where NoblePay stores the results and then sends them back to the website where Suzi & Joe see the approval or decline.
Joe’s Payment Processor Joe’s Payment Gateway Account
7. Joe Gets Paid The issuing bank (Suzi’s bank) releases the funds to the acquiring bank (Joe’s bank). 6. Suzi’s Transac on was Approved! A er the se lement period Joe’s bank Now that Suzi’s transac on has been approved, releases to funds to his account where he Joe can now send out the blue widget to Suzi. can access the money.
Suzi’s Bank Joe’s Bank
What Does The NoblePay Pla orm Offer? Understanding The Payment Gateway Capabili es and How They Can Benefit Your Business
Processing Environments Core Features Security & Fraud Detec on Back Office Tools Third-Party Integra ons
Merchant Payment Processing Environments Our Omni-Channel Pla orm Supports All Types of Merchant Payment Processing Environments Such As Retail, Ecommerce, Mobile, MOTO, Restaurant & Apple Pay
Virtual Terminal SwIPe iProcess™ Mobile API Gateway APIs Batch Processing
Enables merchants to Enables merchants using Enables merchants to Provides developers with a Take advantage of our Facilitates processing large process transac ons by card readers to accept accept mobile payments toolkit that makes adding flexible Integra on Library quan es of payments submi ng Credit Card card-present transac ons through a secure card readers to a payment that enables you to support efficiently by mul - and Electronic Check by installing a lightweight applica on for Apple & applica on seamless and eCommerce, Mobile and threading simultaneous payments online. Windows based point-of- Android devices. straigh orward. Retail payment processing transac on requests. sale so ware applica on. environments for your customers. Payment Gateway Core Features
Mul -Tiered Hierarchy Customer Support Op ons Virtual Terminal Structure Choose to Either Use Our In-House Swipe Credit & Key-In Cards, Support Team or Support Your Own and Checks From Your Browser Organize Your Customers, Partners and Sub-Affiliates Customers
Currencies Accepted Repor ng Capabili es Manage Mul -MIDs USD, CAD, Many Interna onal Search Transac ons & Track Board Mul ple MIDs to a Single Gateway Currencies Based Upon Processor Commissions Account to Consolidate Repor ng, Manage Integra on Branches, Organize Products, Etc.
Advanced Transac on Rou ng Card Types Accepted Recurring Billing Interface (ATRI) Visa, MasterCard, Discover, Setup Payment Plans & Subscrip ons American Express, Diners Club, JCB without Having to Collect Payment Allows a Merchant with Mul ple MIDs on a Single Gateway Account to Automa cally Informa on again Determine Which MIDs to Route Transac ons to Based on Advanced Load Balancing Direc ves Security and Fraud Detec on
Detect Transac on Fraud Reduces Your Burden to be PCI Encrypt and Protect Sensi ve Cardholder
Compliant Data and Informa on iSpy Fraud™ Detects fraud by using a rule-set based Cer fyPCI™ Customer Vault management interface that screens suspicious Helps merchant maintain PCI Compliance through Protects sensi ve customer informa on by exchanging it with a transac ons. a do-it-yourself web-based assessment tool. payment token and storing the encrypted data in a secure environment.
Payer Authen ca on Protects merchants and consumers from Payer Authen ca on unauthorized transac ons by valida ng cardholder Protects merchants and consumers from unauthorized transac ons by valida ng cardholder iden ty. iden ty.
Three-Step Redirect API™ Reduces a merchant’s PCI footprint by elimina ng transmission of sensi ve payment informa on.
Merchant Defender™ Eliminates clear text payment informa on from a merchant’s environment by u lizing a suite of tools including encrypted devices. Back Office Tools
Enhanced Billing Capabili es Streamline Account Integra on Business Management Tools for Your and Transac on Process Flow Complex Business Needs Electronic Invoicing
Allows merchants to send invoices via email by SyncPay (QuickBooks® SyncPay) Mul MIDs dynamically crea ng a PDF with line by line detail. Allows a merchant to process transac ons and Manage Mul ple MIDs under a single gateway reconcile payments by installing a plug-in that account and enable your merchants to run real- me Recurring Billing communicates with QuickBooks. consolidated repor ng. Allows merchants to charge customers regularly by establishing custom billing schedules. ATRI (Advanced Transac on Rou ng Interface)™ Mul -Tiered Hierarchies Routes transac ons to mul ple merchant accounts Setup, organize and mange an infinite number of “p by configuring advanced load-balancing direc ves. arent-child” rela onships using NoblePay’s scalable and flexible mul - ered hierarchical pla orm. Sign up and manage sub-affiliates to resell your gateway
and organize and structure sales teams, departments, stores and even products.
Back Office Tools
Stay on Top of Your Inventory B2B, B2G and Extended Transac on Data Merchant Migra on Tools and Interchange Management Product Manager Gateway Emulator
Product Manager provides an easy to use Product Level III Processing Enable merchants to migrate from other industry Management solu on to help you manage Provides merchants with op mal interchange rates gateways to your own branded gateway. product SKUs and quickly recall products when by passing enhanced data to sa sfy certain industry crea ng new Virtual Terminal transac ons. classifica ons. Shopping Carts
Allows a merchant to u lize third party shopping carts without addi onal programming.
QuickClick Allows merchants to quickly and easily link a website to the payment gateway by u lizing a na ve payment gateway shopping cart solu on.
Third-Party Integra ons
NoblePay Has a Broad Set of Rela onships With Third-Party Shopping Carts and Payment Processing Networks
Third-Party Shopping Cart Integra ons Processor & Payment Network Integra ons
§ Enables consumers to make purchases online via an interface § More than 125 types of processors and payment networks include: between the merchant and back-end processing systems – Credit Card Processors (i.e., First Data, TSYS, Global § NoblePay ffers a proprietary shopping cart as well as integra ons Payments) with over 150 various shopping cart providers – Electronic Check Processors (i.e., GETI, Checkgateway) § NoblePay integrates a number of shopping carts internally, – Secure Authen ca on Providers (i.e. Cardinal though any shopping cart provider can externally integrate itself Commerce, FAC) § NoblePay's end merchants can process transac ons via mul ple processors via a single gateway account
NoblePay Behind The Scenes A Look Into The NoblePay Payment Gateway Tech Specs and The Guys Who Make It Happen
Technology Overview Data Centers & Security
Technology Overview
NoblePay is powered by the NMI Pla orm Which Has Over 12 Years In The Payments Industry
Modular Build Designed for Flexibility Strict Security Standards
• Modular architecture allows Partners to preferen ally choose any • All data centers are SAS_70 / SSAE 16 Compliant desired combina on of products and services with ease • All processing environments are Level 1 PCI Compliant • Scalability of pla orm enables NMI to add on any number of services, • Corporate offices and data centers u lize user access controls to restrict Partners, merchants and transac ons with li le incremental expense facility access • Third party audits regularly conducted to supplement proprietary security management controls
Long Track Record of Stability Well Posi oned for Future Growth • So ware and network architecture designed with scalability in mind to • Pla orm designed to allow for addi onal servers to be simply “plugged accommodate growing volume in” for more processing power or increased data storage • Primary and secondary datacenters on independent networks and • Infrastructure currently able to handle much more processing and data power grids storage than it does at this me • Processing Up me (November 2009 – October 2014) of 99.997% • Technology pla orm is key enabler of NMI’s future development and • Average Transac ons per Second (“TPS”) between 10mm and 11mm growth • Peak produc on processing has exceeded 225mm TPS and gateway has been stress tested above • 300mm TPS Data Centers and Security
NMI’s Technology Infrastructure Is Scalable and They Maintain The Necessary Redundancies
Data Center Geo-Redundancy Network and Data Security Security Monitoring
Geo-redundant Primary and secondary Payment Gateway recently upgraded to External 3rd party security network and fully support the latest PCI security security monitoring Standard - PCI DSS 3.0