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
2
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. Indonesia...... 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
3
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
4
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, Alipay (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
5
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 (Indomaret, Alfamart) 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
6
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 (LAWSON, FamilyMart, MINI Acquiring, Settlement STOP, Daily Yamazaki, 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, Naver 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
7
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
8
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 – Convenience Store VND Processing, Acceptance Only
Payoo wallet VND Processing, Acceptance Only
9
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
10
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, PayTM, India UPI, Doku Wallet, OVO, LinkAja, dPayment, PayEasy, LINE Pay, PayPay, Atone, Payco, KakaoPay, Samsung Pay, Naver Pay, 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
11
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
12