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Payments for platform businesses
Making Sense of Payments
Bill Clerico, CEO and Co-Founder
April 2014
Ted Ed
$0M
$2M
$4M
$6M
Q1 Q2 Q3 Q4
Yapew Gross Merchandise Volume
1234 5678 1 34 5678
JANE SMITH
valid from expires
08 / 10 08/14
1234 5678 1 34 5678
JANE SMITH
valid from expires
08 / 10 08/14
1234 5678 1 34 5678
JANE SMITH
valid from expires
08 / 10 08/14
1234 5678 1 34 5678
JANE SMITH
valid from expires
08 / 10 08/14
1234 5678 1 34 5678
JANE SMITH
valid from expires
08 / 10 08/14
1234 5678 1 34 5678
JANE SMITH
valid from expires
08 / 10 08/14
1234 5678 1 34 5678
JANE SMITH
valid from expires
08 / 10 08/14
1234 5678 1 34 5678
JANE SMITH
valid from expires
08 / 10 08/14
1234 5678 1 34 5678
JANE SMITH
valid from expires
08 / 10 08/14
1234 5678 1 34 5678
JANE SMITH
valid from expires
08 / 10 08/14
1234 5678 1 34 5678
JANE SMITH
valid from expires
08 / 10 08/14
1234 5678 1 34 5678
JANE SMITH
valid from expires
08 / 10 08/14
1234 5678 1 34 5678
JANE SMITH
valid from expires
08 / 10 08/14
34 5678 1 34 5678
NE SMITH
d from expires
10 08/14
5678 1 34 5678
MITH
expires
08/14
Merchant of Record

n. [mur-chuhnt uhv rek-erd]
ACH
ACH
ACH
ACH
Aggregating

v. [ag-ri-geyt-ing]
Acquirer

n. [uh-kwahyuh r]
1234 5678 1 34 5678
JANE SMITH
valid from expires
08 / 10 08/14
1234 5678 1 34 5678
JANE SMITH
valid from expires
08 / 10 08/14
1234 5678 1 34 5678
JANE SMITH
valid from expires
08 / 10 08/14
1234 5678 1 34 5678
JANE SMITH
valid from expires
08 / 10 08/14
1234 5678 1 34 5678
JANE SMITH
valid from expires
08 / 10 08/14
1234 5678 1 34 5678
JANE SMITH
valid from expires
08 / 10 08/14
1234 5678 1 34 5678
JANE SMITH
valid from expires
08 / 10 08/14
1234 5678 1 34 5678
JANE SMITH
valid from expires
08 / 10 08/14
1234 5678 1 34 5678
JANE SMITH
valid from expires
08 / 10 08/14
1234 5678 1 34 5678
JANE SMITH
valid from expires
08 / 10 08/14
1234 5678 1 34 5678
JANE SMITH
valid from expires
08 / 10 08/14
1234 5678 1 34 5678
JANE SMITH
valid from expires
08 / 10 08/14
1234 5678 1 34 5678
JANE SMITH
valid from expires
08 / 10 08/14
34 5678 1 34 5678
NE SMITH
d from expires
10 08/14
5678 1 34 5678
MITH
expires
08/14
ACH
ACH
ACH
ACH
"Pricing & Payment Strategies." Wepay >> Bill Clerico [COMMERCISM 2014]
Marketplace
JOHN JACKSON!
3D Printer!
!
jackson@yahoo.com!
614.564.9821!
!
1567 Rose Ave, LA
JANE SMITH

!
jane@google.com!
916.325.8964!
!
1667 March St, SF
JOHN JACKSON!
3D Printer!
!
jackson@yahoo.com!
614.564.9821!
!
1567 Rose Ave, LA
Marketplace
1234 5678 1 34 5678
JANE SMITH
valid from expires
08 / 10 08/14
JANE SMITH

!
jane@google.com!
916.325.8964!
!
1667 March St, SF
!
Marketplace
Chargeback

n. [charhrj-bak]
1234 5678 1 34 5678
JANE SMITH
valid from expires
08 / 10 08/14
JOHN JACKSON!
3D Printer!
!
jackson@yahoo.com!
614.564.9821!
!
1567 Rose Ave, LA Has Risk Exposure
JANE SMITH

!
jane@google.com!
916.325.8964!
!
1667 March St, SF
!
1099K

n. [ten-ninety-nine-KAY]
Chargeback

n. [charhrj-bak]
Reconciliation

n. [rek-uh n-sil-ee-ey-shuh n]
Disputes

n-pl. [dih-spyoots]
Regulatory
Card Network Registration
Money Transmission
Licensing
Fraud/Risk
Professional Fraud
Merchant Underwriting
Account Takeovers
Compliance
PCI
AML Policy
KYC
Operating Regulations
Operations
Uptime/Scalability
Dispute Processing
Reconciliation
Chargebacks
"Pricing & Payment Strategies." Wepay >> Bill Clerico [COMMERCISM 2014]
Dispute Engine

n. [dih-spyoot en-juh n]
!
KYC

n. [kay-why-see]
Payment Service Provider

n. [pey-muh nt sur-vis pruh-vahy-der]
Risk Engine

n. [risk en-juh n]
PCI

n. [pee-see-eye]
AML

n. [ay-em-ell]
"Pricing & Payment Strategies." Wepay >> Bill Clerico [COMMERCISM 2014]
"Pricing & Payment Strategies." Wepay >> Bill Clerico [COMMERCISM 2014]
Handles Risk

& Compliance
for Platforms
Seamless,

Flexible UI
X
X
marketplace
connect
17
@billclerico

for the glossary

of payment terms
Confidential - Do Not Distribute
Payments for platform businesses
Thank You
18
Follow me on twitter @billclerico
Download our Platform Payments 101 Paper
www.wepay.com/about

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"Pricing & Payment Strategies." Wepay >> Bill Clerico [COMMERCISM 2014]

  • 1. Payments for platform businesses Making Sense of Payments Bill Clerico, CEO and Co-Founder April 2014
  • 3. $0M $2M $4M $6M Q1 Q2 Q3 Q4 Yapew Gross Merchandise Volume
  • 4. 1234 5678 1 34 5678 JANE SMITH valid from expires 08 / 10 08/14 1234 5678 1 34 5678 JANE SMITH valid from expires 08 / 10 08/14 1234 5678 1 34 5678 JANE SMITH valid from expires 08 / 10 08/14 1234 5678 1 34 5678 JANE SMITH valid from expires 08 / 10 08/14 1234 5678 1 34 5678 JANE SMITH valid from expires 08 / 10 08/14 1234 5678 1 34 5678 JANE SMITH valid from expires 08 / 10 08/14 1234 5678 1 34 5678 JANE SMITH valid from expires 08 / 10 08/14 1234 5678 1 34 5678 JANE SMITH valid from expires 08 / 10 08/14 1234 5678 1 34 5678 JANE SMITH valid from expires 08 / 10 08/14 1234 5678 1 34 5678 JANE SMITH valid from expires 08 / 10 08/14 1234 5678 1 34 5678 JANE SMITH valid from expires 08 / 10 08/14 1234 5678 1 34 5678 JANE SMITH valid from expires 08 / 10 08/14 1234 5678 1 34 5678 JANE SMITH valid from expires 08 / 10 08/14 34 5678 1 34 5678 NE SMITH d from expires 10 08/14 5678 1 34 5678 MITH expires 08/14 Merchant of Record
 n. [mur-chuhnt uhv rek-erd] ACH ACH ACH ACH
  • 5. Aggregating
 v. [ag-ri-geyt-ing] Acquirer
 n. [uh-kwahyuh r] 1234 5678 1 34 5678 JANE SMITH valid from expires 08 / 10 08/14 1234 5678 1 34 5678 JANE SMITH valid from expires 08 / 10 08/14 1234 5678 1 34 5678 JANE SMITH valid from expires 08 / 10 08/14 1234 5678 1 34 5678 JANE SMITH valid from expires 08 / 10 08/14 1234 5678 1 34 5678 JANE SMITH valid from expires 08 / 10 08/14 1234 5678 1 34 5678 JANE SMITH valid from expires 08 / 10 08/14 1234 5678 1 34 5678 JANE SMITH valid from expires 08 / 10 08/14 1234 5678 1 34 5678 JANE SMITH valid from expires 08 / 10 08/14 1234 5678 1 34 5678 JANE SMITH valid from expires 08 / 10 08/14 1234 5678 1 34 5678 JANE SMITH valid from expires 08 / 10 08/14 1234 5678 1 34 5678 JANE SMITH valid from expires 08 / 10 08/14 1234 5678 1 34 5678 JANE SMITH valid from expires 08 / 10 08/14 1234 5678 1 34 5678 JANE SMITH valid from expires 08 / 10 08/14 34 5678 1 34 5678 NE SMITH d from expires 10 08/14 5678 1 34 5678 MITH expires 08/14 ACH ACH ACH ACH
  • 7. Marketplace JOHN JACKSON! 3D Printer! ! jackson@yahoo.com! 614.564.9821! ! 1567 Rose Ave, LA JANE SMITH
 ! jane@google.com! 916.325.8964! ! 1667 March St, SF
  • 8. JOHN JACKSON! 3D Printer! ! jackson@yahoo.com! 614.564.9821! ! 1567 Rose Ave, LA Marketplace 1234 5678 1 34 5678 JANE SMITH valid from expires 08 / 10 08/14 JANE SMITH
 ! jane@google.com! 916.325.8964! ! 1667 March St, SF !
  • 9. Marketplace Chargeback
 n. [charhrj-bak] 1234 5678 1 34 5678 JANE SMITH valid from expires 08 / 10 08/14 JOHN JACKSON! 3D Printer! ! jackson@yahoo.com! 614.564.9821! ! 1567 Rose Ave, LA Has Risk Exposure JANE SMITH
 ! jane@google.com! 916.325.8964! ! 1667 March St, SF !
  • 10. 1099K
 n. [ten-ninety-nine-KAY] Chargeback
 n. [charhrj-bak] Reconciliation
 n. [rek-uh n-sil-ee-ey-shuh n] Disputes
 n-pl. [dih-spyoots]
  • 11. Regulatory Card Network Registration Money Transmission Licensing Fraud/Risk Professional Fraud Merchant Underwriting Account Takeovers Compliance PCI AML Policy KYC Operating Regulations Operations Uptime/Scalability Dispute Processing Reconciliation Chargebacks
  • 13. Dispute Engine
 n. [dih-spyoot en-juh n] ! KYC
 n. [kay-why-see] Payment Service Provider
 n. [pey-muh nt sur-vis pruh-vahy-der] Risk Engine
 n. [risk en-juh n] PCI
 n. [pee-see-eye] AML
 n. [ay-em-ell]
  • 16. Handles Risk
 & Compliance for Platforms Seamless,
 Flexible UI X X marketplace connect
  • 18. Confidential - Do Not Distribute Payments for platform businesses Thank You 18 Follow me on twitter @billclerico Download our Platform Payments 101 Paper www.wepay.com/about