Product Guide Products & Services Overview NTT DATA Hong Kong

V5.0

Mar 2021

General Notice

All rights reserved. NTT DATA Hong Kong Limited (“NDHK”) furnishes this document and the software described in this document under the applicable agreement between the reader of this document (“You”) and NDHK (“Agreement”). You may use this document and/or software only in accordance with the terms of the Agreement. Except as expressly set forth in the Agreement, the information contained in this document is subject to change without notice and therefore should not be interpreted in any way as a guarantee or warranty by NDHK. NDHK assumes no responsibility or liability for any errors that may appear in this document. The copyrighted software that accompanies this document is licensed to You for use only in strict accordance with the Agreement. You should read the Agreement carefully before using the software. Except as permitted by the Agreement, you may not reproduce any part of this document, store this document in a retrieval system, or transmit this document, in any form or by any means, electronic, mechanical, recording, or otherwise, without the prior written consent of NDHK. Trademarks

The names of NTT DATA Hong Kong Limited’s products and services are trademarks of NTT DATA Hong Kong Limited. Copyright

© 2021 NTT DATA Hong Kong Limited

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Contents

1. Card Services ...... 4

1.1. Card Services Supported: Processing, Acceptance, Acquiring, Settlement Services ...... 4 1.1.1. International ...... 4 1.1.2. Local ...... 4

2. Alternative Payment Methods ...... 5

2.1. International ...... 5

2.2. China ...... 5

2.3. India ...... 6

2.4. ...... 6

2.5. Japan ...... 6

2.6. South Korea ...... 7

2.7. LATAM...... 7

2.8. Malaysia ...... 8

2.9. Philippines ...... 8

2.10. Taiwan ...... 8

2.11. Thailand ...... 9

2.12. Vietnam ...... 9

3. Products & Solutions ...... 10

3.1. Payment Acceptance & Processing ...... 10 3.1.1. Card Payment Processing ...... 10 3.1.2. Alternative Payments Processing ...... 11 3.1.3. Add-On Features ...... 11

3.2. Payment Operations & Management ...... 11

3.3. Integration Methods ...... 12

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CHAPTER 1. Card Services

1.1. Card Services Supported: Processing, Acceptance, Acquiring, Settlement Services

Services are supported by gateways from international schemes. Merchants can also choose to work with local partners supporting similar gateways. Local acquirer requirements and business models may vary. Some of the international gateways include MiGS, MPGS, CyberSource etc. Today, NTT DATA Hong Kong supports over 150 transaction currencies and up to 25 settlement currencies.

1.1.1. International

Card Brands Supported

Visa

Mastercard

Amex

JCB

Diners

UnionPay

1.1.2. Local

Card Brand Markets

Vietnamese Domestic Debit Cards Vietnam

Elo Brazil

Hipercard Brazil

Local Card India

All Local Cards South Korea

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CHAPTER 2. Alternative Payment Methods

The engagement model is broadly categorized into two types of services: • Processing, Acceptance only • Processing, Acceptance, Acquiring & Settlement Include note>> For selected alternate payment methods offered regionally, multiple country support is subject to local partners and local market conditions, please contact NDHK Sales for more information based on your specific business expansion needs. Local regulation and integration requirements for alternate payment methods may change after document is in print, please also contact NDHK Sales for more information so that the team can address your specific business needs.

2.1. International

Payment Method Transaction Currencies Engagement Model

PayPal AUD, BRL, CAD, CZK, DKK, EUR, HKD, HUF, INR, Processing, Acceptance Only ILS, JPY, MYR, MXN, TWD, NZD, NOK, PHP, PLN, GBP, RUB, SGD, SEK, CHF, THB, USD

2.2. China

Payment Method Transaction Currencies Engagement Model

Processing, Acceptance, (QR, Redirect, In-App) CNY, HKD, JPY, USD, EUR, THB, GBP, SGD, AUD Acquiring, Settlement

HKD, CNY, USD, JPY, EUR, GBP, KRW, THB, TWD, Processing, Acceptance, UnionPay (QR, Wallet 云闪付) PHP, VND, KHR, SGD, AUD, MOP, MYR, CAD, NZD, Acquiring, Settlement AED, RUB

HKD, CNY, USD, JPY, EUR, GBP, KRW, THB, TWD, Processing, Acceptance, UnionPay UCSP PHP, VND, KHR, SGD, AUD, MOP, MYR, CAD, NZD, Acquiring, Settlement AED, RUB

WeChat Pay (QR, In-App, Mini Processing, Acceptance, CNY, HKD, JPY, USD, EUR, THB, AUD Program, Official Account) Acquiring, Settlement

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Product Guide: NTT DATA Hong Kong

[Document Title] Alternative Payment Methods [Document Title] 2.3. India

Payment Method Transaction Currencies Engagement Model

Internet Banking INR Processing, Acceptance Only

India UPI INR Processing, Acceptance Only

PayTM INR Processing, Acceptance Only

2.4. Indonesia

Payment Method Transaction Currencies Engagement Model

Processing, Acceptance, Bank Transfer / Virtual Account IDR Settlement, Acquiring

Processing, Acceptance, Doku Wallet IDR Settlement, Acquiring

Processing, Acceptance, Internet Banking IDR Settlement, Acquiring

Processing, Acceptance, OVO wallet IDR Settlement, Acquiring

Processing, Acceptance, LinkAja wallet IDR Settlement, Acquiring

Over-the-counter – Convenience Processing, Acceptance, IDR store (, ) Settlement, Acquiring

2.5. Japan

Payment Method Transaction Currencies Engagement Model

Atone JPY Processing, Acceptance, Acquiring, Settlement dPayment JPY Processing, Acceptance Only

LINE Pay JPY Processing, Acceptance, Acquiring, Settlement

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Product Guide: NTT DATA Hong Kong

[Document Title] Alternative Payment Methods [Document Title] Payment Method Transaction Currencies Engagement Model

Over-the-counter – Convenience JPY Processing, Acceptance, store (, FamilyMart, MINI Acquiring, Settlement STOP, , Seico Mart)

PayEasy JPY Processing, Acceptance Only

PayPay JPY Processing, Acceptance Only

2.6. South Korea

Payment Method Transaction Currencies Engagement Model

KakaoPay KRW Processing, Acceptance Only

Payco KRW Processing, Acceptance Only

Samsung Pay KRW Processing, Acceptance Only

Processing, Acceptance, Pay KRW Acquiring, Settlement

2.7. LATAM

Payment Method Transaction Currencies Engagement Model

Bank transfer (Interbank Electronic MXN, USD Processing, Acceptance, Payment System (SPEI)) Acquiring, Settlement

Internet banking (Transferência BRL, EUR, USD Processing, Acceptance, Bancária – TEF) Acquiring, Settlement

Over-the-counter (Boleto Bancário) BRL, EUR, USD Processing, Acceptance, Acquiring, Settlement

Over-the-counter – Convenience MXN, USD Processing, Acceptance, store (OXXO) Acquiring, Settlement

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Product Guide: NTT DATA Hong Kong

[Document Title] Alternative Payment Methods [Document Title] 2.8. Malaysia

Payment Method Transaction Currencies Engagement Model

Boost Wallet MYR Processing, Acceptance Only

GrabPay MYR Processing, Acceptance Only

Internet Banking (FPX – B2C, B2B) MYR Processing, Acceptance Only

Touch 'n Go MYR Processing, Acceptance Only

2.9. Philippines

Payment Method Transaction Currencies Engagement Model

PHP Processing, Acceptance, Bank transfer Acquiring, Settlement

PHP Processing, Acceptance, Dragonpay credits Acquiring, Settlement

PHP Processing, Acceptance, Globe GCash Acquiring, Settlement

PHP Processing, Acceptance, Internet banking Acquiring, Settlement

PHP Processing, Acceptance, Over-the-counter Acquiring, Settlement

Processing, Acceptance, Cash Installment PHP Acquiring, Settlement

2.10. Taiwan

Payment Method Transaction Currencies Engagement Model

Bank Transfer TWD Processing, Acceptance Only

Convenience Store (7-11, Family Mart, TWD Processing, Acceptance Only OK, Hi-Life)

LINE Pay TWD Processing, Acceptance Only

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Product Guide: NTT DATA Hong Kong

[Document Title] Alternative Payment Methods [Document Title] Payment Method Transaction Currencies Engagement Model

Web ATM TWD Processing, Acceptance Only

Apple Pay* TWD Processing, Acceptance Only

Google Pay* TWD Processing, Acceptance Only

* Note: subject to selected card payment gateway processor and selected local acquirers.

2.11. Thailand

Payment Method Transaction Currencies Engagement Model

LINE Pay THB Processing, Acceptance Only

Net Banking THB Processing, Acceptance Only

Processing, Acceptance, PromptPay THB Acquiring, Settlement

Tesco Lotus THB Processing, Acceptance Only

Processing, Acceptance, True Money THB Acquiring, Settlement

Note: Roadmap ongoing to explore feasibility of the engagement model for selected payment methods to include non-THB currencies later in the year.

2.12. Vietnam

Payment Method Transaction Currencies Engagement Model

Installment VND Processing, Acceptance Only

Local ATM cards VND Processing, Acceptance Only

Over-the-counter – VND Processing, Acceptance Only

Payoo wallet VND Processing, Acceptance Only

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CHAPTER 3. Products & Solutions

3.1. Payment Acceptance & Processing

3.1.1. Card Payment Processing

Features

Auth-Capture, Purchase models

Authorize, Capture, Purchase, Void, Refund, Card Verification, Requery API

Dispute Management

Collection Payment Link

Hosted Page in Multi-Languages (English, Traditional Chinese, Simplified Chinese, Japanese, Korean, Thai)

Payout Payment Link API (Virtual Card Number)

Card Tokenization

Card Installment Payment

Card Recurring Payment

3D Secure

Fraud Management

Dynamic Descriptor (CyberSource only)

Batch Purchase Processing

Smart Routing

MOTO

Level III Data Processing

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Product Guide: NTT DATA Hong Kong

[Document Title] Products & Solutions [Document Title] 3.1.2. Alternative Payments Processing

Payment Methods

Wallet Payment Paypal, Alipay, Unionpay, WeChat Pay, , India UPI, Doku Wallet, OVO, LinkAja, dPayment, PayEasy, LINE Pay, PayPay, Atone, Payco, KakaoPay, , , Boost Wallet, GrabPay, Touch 'n Go, Dragonpay credits, Globe Gcash, PromptPay, True Money, Payoo wallet

Net Banking Payment

Bank Transfer Payment

Convenience Store (CVS) Indomaret, Alfamart, LAWSON, Family Mart, MINI Stop, Daily Payment Yamazaki, Seico Mart, OXXO, 7-11, OK, Hi-Life

Carrier Billing

QR Payments

Installment

3.1.3. Add-On Features

Features

Transaction Receipt via email notification to merchant and/or customer

Callback Retry

Error Code Normalization

OAuth 2.0 Authentication

3.2. Payment Operations & Management

Features

Consolidated Settlement Reporting

Custom Settlement (e.g. varied frequencies, locations etc.)

Post-Transaction Handling

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Product Guide: NTT DATA Hong Kong

[Document Title] Products & Solutions [Document Title] Features

Merchant Portal (for merchant administration)

Dispute Management Handling

Fraud Management (including Account Protection, Chargeback Guarantee, Rules-Based Management, Machine Learning) | in partnership with Riskified

Virtual Card Plug-In | in partnership with Conferma Pay

Commission & Payout Management | In partnership with TACS (Travel Agency Commission Settlement)

E-Commerce Platform Plug-Ins | e.g. Shopify, Magento II, Presto,

GDS Plug-Ins for Travel & Hospitality | eg. Amadeus - Hotel

3.3. Integration Methods

Methods

NTT Hosted Page

NTT Hosted Fields

Client-to-Server Form Post

Mobile SDK

Server-to-Server API

NTT Payment Link

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