3. Committee Members
To Support You
Mark Woschnak - President
Greg Riebe - Vice President
Gary Hanley - Treasurer
Graeme Speak - Secretary
Kris Borgraeve - Communications Manager
Evan Cunningham-Dunlop - Member Services
Gareth Willis - Forum Manager
Robert Nathan - Membership Manager
Michelle Nicolson - Executive Officer
6. Basic Business Model
EXTERNAL RESOURCES CORE PROCESSES PRODUCTS CHANNELS MARKETS &
PARTNERS CUSTOMERS
SUPPLY Product PRODUCT & DIRECT
Strategy R&D Management SERVICE OFFERINGS
& Accreditation SALES/LICENSING
People
Supply Marketing & Physical/e-tailing BUSIINESS
& Logistics Promotions SERVICE & SUPPORT
Online
Technologies
Intermediary Telephone
Sales &
Distribution
Facilities Social Media
R&D INDIRECT
Financials
Supplier Payments Customer Billing
App SALES
Information Licensees
After Sales Service & Customer
Support Communications CONSUMER
Collaboration
Capital Corporate & Operational Administration SERVICE & SUPPORT
Telephone
Field Maintenance
7.
8. Alternatives
Product Type Cost Review
Free (Up to 30 Members) Intuitive
$100 USD/month for 30 Members Real-Time
$300 USD/month for 50 Members Free
Asana Cloud $550 USD/month for 75 Members 75% Retention
$20 USD/month for 10 Active Projects
$50 USD/month for 40 Active Projects
$100 USD/month for 100 Active Projects Slower
Basecamp Cloud $150 USD/month for Unlimited Projects High Cost
$20 USD/month for 20 Projects
$35 USD/month for 50 Projects
$80 USD/month for Unlimited Projects High Cost
Zoho Projects Cloud + Extra Feature Costs Complexity / Resistance
Self-Hosted $499 USD + Upgrades
ActiveCollab (Cloud Trial) Unlimited Usage UI Concerns
9. Why?
“Asana feels like I'm working with a low-friction,
smart piece of paper.”
- Harrison Shoff, Airbnb
12. Tools for after Sales Support and
Communications
CRM
Email Help Desk
Customer
13.
14.
15.
16.
17.
18.
19. Payment Gateways
eGroup
Presented by: Gary Hanley
4th September 2012
Web Based Business Solutions
20. “The main reason a Business Owner takes
their Business online is to make
money. And in today’s economic climate
this can be quite tricky.”
Web Based Business Solutions
21. How a Payment Gateway Works?
Web Based Business Solutions
22. What is a Payment Gateway?
In simple terms a payment gateway is the online equivalent of a credit card
processing (EFTPOS) facility that you would find in a physical store.
To your customers the interaction of your website with the payment gateway
appears seamless, but in actual fact it is one of the most important aspects in the
security of their transaction.
When a customer creates an order on an online store, their credit card details are
sent encrypted from your website to the designated payment gateway.
Your bank will have a payment processor set up to retrieve this information from
the payment gateway and then communicate with the card company to perform
all the behind-the-scenes checks and eventually will pass an approved notification
back to the payment gateway and finally back to your website. This whole process
only takes a few seconds.
Web Based Business Solutions
23. Payment Gateway versus PayPal
Payment Gateway PayPal
Requires a merchant account Doesn’t require a merchant
account
Takes time to set up Start processing immediately
Settles funds immediately Does not settle funds daily
Set Fees Fees are a % of transaction value
PayPal is less expensive in the short term. However, in the long run, a Payment
Gateway is always the cost effective solution.
Web Based Business Solutions
24. Merchant Accounts
An Internet Merchant Account is required to accept credit card payments online.
If you can already accept Credit Cards on an Eftpos machine you have a merchant
account. This is a good place to start.
The Banks seem to prefer upgrading you to an Internet Merchant account if you
already have history.
Web Based Business Solutions
25. Merchant Accounts cont…
What you need to understand now that it is not the banks that are actually granting
this account – it is Mastercard/Visa Card et…
This is because they are the ones that are actually underwriting the transaction. i.e.
they are assuring that clients transaction is 100% safe.
Even to the extent of failure to supply. The client is entitled to a 100% refund. To this
end we have experienced banks demanding up to $800k in funds before issuing
A high risk account.
High Risk Account Low Risk Account
12 month service Physical Product always in stock
Web Based Business Solutions
26. I Have a merchant account – Now what?
Now that you have your internet Merchant account your bank may not have all
the features you require.
The banks mostly will process a single transaction and will offer no extra
functionality for say subscription or recurring payments. For this you may need to
use a Payment Gateway service like Eway.
Web Based Business Solutions
27. Advantages of Payment Gateways
This method of payment has many advantages over other methods, such as:
• Much faster (and easier) than cheques or manual credit card processing
• Much more secure than manual credit card processing
• No need for the customer to jump between your site and a third-party site
(such as PayPal) to perform a transaction
Web Based Business Solutions
28. Choosing a Payment Gateway
Technology changes everyday, your gateway needs to be PCI compliant to keep
ahead of the hackers
There are several factors to consider when choosing a payment gateway, including
price, features, integration and support.
PRICING
FEATURES
INTERGRATION & SUPPORT
Web Based Business Solutions
29. Pricing
All payment gateways will have fees associated with them, but in the long run
they are generally worthwhile as they will save you time and provide extra
security.
Make sure you compare gateways to see what will be best for you, for example
one gateway might be cheaper for small customers with only a few sales a year,
whereas another might be better for larger customers with thousands of sales
per year.
Don't assume that PayPal is going to be cheaper than other options. For a small
turnover it probably will be, but for larger turnovers it can be significantly more
expensive.
Web Based Business Solutions
30. Features
Make a decision based on the features that are important to you. Features you
might look out for include;
• reporting,
• processing refunds,
• multiple user accounts
• recurring transactions.
• Integration into some accounting packages
Web Based Business Solutions
31. Integration & Support
Most payment gateways provide an API for developers to build websites that can
interact with the gateway, but if using open source content management systems
such as Joomla,Drupal,Wordpress OsCommerce etc the hard work is done for
you. If you are using an open source solution a module may have been built for
your preferred payment gateway. If a module is not available, it can be
developed, but be prepared for additional development time.
As well as this it is vital to check that your bank is supported by the payment
gateway, otherwise you won't get paid! In general the four major banks in
Australia are usually supported, but make sure you check first.
Web Based Business Solutions