Vladko Yordanov Alternate forms of payment (afp) via uatp rails
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UATP is an airline-owned global corporate travel payment network that processes over $13 billion annually. It allows corporations to pay for airline tickets using UATP cards, which saves airlines credit card fees. The document discusses how UATP works, the benefits for corporations, airlines, and UATP, and provides an overview of the UATP network and its participants.
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Vladko Yordanov Alternate forms of payment (afp) via uatp rails
- 2. What is UATP? Airline-ownedglobal corporate travel payment network Platform to track manage and grow corporate sales −Annual UATP volume exceeded USD 13 billion in 2013 −Doubled in the last 8 years Lowers airline distribution costs by eliminating or reducing credit card fees −UATP saves the airline industry in excess of USD 200 million in credit card costs per annum
- 3. The First Card in the World Was… 1.UATP 2.Diners Club 3.American Express 4.Visa 5.MasterCard 1005 12345 678901 3612 345678 0009 3782 456789 01001 4901 1234 5678 0000 5912 3456 7890 1234
- 4. Airlines who issue their own UATP account & have the direct relationship with the corporate subscriber Entities who accept UATP as a valid form of payment through distribution channels Corporations who use UATP as their preferred method of payment for airline tickets The organization provides the infrastructure & support to permit the program to operate & grow Issuers Merchants/ Acquirers Cardholders UATP Participants in the UATP Network
- 7. UATP Compared to Other CardsOther Card BrandsUATP Structure Airlines are Issuers Visa is brand, banks are Issuers Lodged & corporate Walking & personal 3-digit accounting code Different number for each market Virtually non existent Additional acceptance costs Covering all markets & channels Market by market basis Flat global rate Vary from market to market Global Mostly local Fraud Agreement Commission Acquiring Merchant Number Account type
- 8. Why Airlines Issue UATP Growth –more corporate business Revenue–an incremental revenue stream Savings–lower credit card fees
- 9. New Revenue Stream Corporate clients can buy travel not only from the issuing airline, but also from more than 250 other global airlines An airline Issuer of UATP earns commission revenue on every ticket sale made on a competing airline using its card The average of current UATP Issuers is 55% “On Us” vs. 45% OAL sales
- 10. Cost of Corporate Cards Airlines pay on average 2-3% commission on corporate credit cards Accepting UATP as a Merchant costs 1.75% (IATA ICH) Issuing an own UATP card costs the airline 0% on tickets bought with its own UATP card (“On-Us” Sales)
- 11. Why Corporates Choose UATP Better travel data Better customer experience Savings Data tools 11
- 12. Web-based, hosted by UATP Easy-to-use intuitive interface Multi-currency Statements available in multiple languages System evolves with UATP 12 UATP Card Management Platform
- 13. Full Suite of Standard Reports –file exports Over 65K custom report combinations possible! “Account Info Module” includes credit limit inquiry 13 UATP Cardholder Client Portal
- 14. Borica–UATP Cooperation In 2012 BoricaBankserviceand UATP signed a cooperative agreement ̶Initial goal was the creation of a Service Center in support of UATP Issuer airlines ̶Now in its third year of operation, the Service Center is expanding its role in support of new UATP Issuers ̶A call center to support corporate client cardholders is also in consideration Next steps in this cooperative effort include software development resources to support the development of next generations of UATP applications
- 15. Alternate Forms of Payment (AFP) via UATP Rails
- 16. Agenda Background Benefits UATP Role UATP -AFP integration Process Flow Reports Conclusion
- 17. Background First AFP processing launched in 2007 16 carriers currently utilizing UATP AFP processing AmericanAir Berlin AeromexicoBritish Airways DeltaEtihad IberiaTAM SouthwestUnited VirginJetBlue Air CanadaAirTran LufthansaUS Airways 70+ national markets and currencies enabled 4 new AFP airline implementations in progress
- 19. Benefits For Airlines: ̶Simplifies integration allowing use of existing UATP connectivity and acceptance methods ̶UATP provides reports to assist with daily reconciliation of AFP payments ̶UATP processing minimizes Merchant modifications ̶No UATP processing cost to Merchant For AFPs ̶Helps them sign up Merchant airlines quicker and easier For UATP ̶Leverages UATP network infrastructure and processing capacity to lower costs for UATP Issuers
- 20. UATP Role Contracts signed directly between AFP and airline Merchant ̶UATP not involved with commercial negotiations/terms Settlement outside of UATP schemes (ICH or USS) and directly between AFP and airline Merchant UATP supports implementation
- 21. UATP -AFP Integration Existing airline Merchant connectivity to UATP authorization and acquiring services remain unchanged New development limited to an API between airline website and AFP for initial customer authentication AFP transactions are bundled together with normal UATP transactions in Merchant capture files to UATP ̶Are processed and appear on standard reports Each AFP is assigned a unique UATP IIN ̶Single-use UATP number generated by AFP Reconciliation of AFP transactions by Merchants may require additional reports, which are produced and offered as option to airline Merchants 21
- 22. UATP –AFP Process 22 Consumer AFP UATP PSS UATP Acq. UATP Auth. Airline Air.com 1 6 5 7 8 9 10 2 3 4
- 23. Optional Reports Summary.csvfile contains the sum of each of the supporting detail files Transactions.csvfile contains all of the sales and refunds submitted to ATCAN on that day Debits.csvfile is a subset of the Transactionsfile containing only sales Credits.csvis a subset of the Transactionsfile containing only the refunds PendingTransaction.csvfile contains unprocessed AFP transactions Exceptions.csvfile is a subset of the PendingTransactionsfile containing transactions which failed to process with AFP PreviouslyPendingTransactions.csvfile contains any transactions from a previous days which have now processed ChargebacksAndReversals.csvfile contains AFP transactions that are being charged back 23
- 24. Summary Report Description Transaction Gross AFP Fees Transaction Net Transaction Count Debits 19745.37 - 380.49 19364.88 51 Credits -892.3 20.44 -871.86 7 Total ATCAN Transactions18853.07 - 360.05 18493.02 58 Chargebacks -1609.7 14.51 -1595.19 7 Previously Pending -838.5 16.1 -822.4 5 Total transfer to Merchant 16404.87 - 329.4416075.43 0 Pending Transactions-918.57 27 Non-settled Reversals 0 0 0 0 24
- 25. Chargebacks Report 25 Merchant Code Issuer Code Processing Date Transaction ID Invoice ID PayPal Reference ID PayPal Reference ID Type Transaction Event Code 279 112 6/10/2013 3AW6902620910090G 99929200000000 2CZ96697VW827249E TXN T1107 279 112 6/10/2013 3CK7903887970902V 99923600000000 607290442W989011K TXN T1107 279 112 6/10/2013 9C6991068J9277126 99923600000000 7W798148JN8360493 TXN T1201 279 112 6/10/2013 268208078W010094E 99923700000000 8EY499748G162171N TXN T1106 279 112 6/10/2013 67F20199BE6004809 99923600000000 9C6991068J9277126 TXN T0106 279 112 6/10/2013 7F0688024G044991T 99929200000000 8T384919Y2039430V TXN T0106 279 112 6/10/2013 8T384919Y2039430V 99929200000000 8D617876QN249239K TXN T1201 Chargeback Description Transaction Initiation Date Transaction Completion Date Transaction Debit or Credit Gross Transaction Amount Gross Transaction Currency Payment Refund initiated by merchant Jun 11 2013 8:46AM Jun 11 2013 8:46AM DR 474.8 USD Payment Refund initiated by merchant Jun 10 2013 11:10AM Jun 10 2013 11:10AM DR 308.8 USD Chargeback Jun 10 2013 11:09AM Jun 10 2013 11:09AM DR 20.3 USD Account-to-Account Payment Jun 10 2013 9:50AM Jun 10 2013 9:50AM DR 731.8 USD Chargeback Processing Fee Jun 10 2013 11:09AM Jun 10 2013 11:09AM DR 10 USD Chargeback Processing Fee Jun 10 2013 1:17PM Jun 10 2013 1:17PM DR 10 USD Chargeback Jun 10 2013 1:17PM Jun 10 2013 1:17PM DR 54 USD Fee DR/CR Fee Amount Fee Currency Merchant ID Payer ID File Date Custom Field CR 8.75 USD AK3VTD8LP9QDY QQELGPTRBDVWL Jun 11 2013 12:00AM 052W684DSERKG5437EA7A144….. CR 5.76 USD AK3VTD8LP9QDY UHCE86T3FB2QJ Jun 11 2013 12:00AM W68ER3DS9FCF94AF58941D48….. 0 AK3VTD8LP9QDY 6LZQ43ZQN3KBU Jun 11 2013 12:00AM E292338A7964437EA7A1448B5….. 0 AK3VTD8LP9QDY NJLNHACM6UQQU Jun 11 2013 12:00AM FA7B7649FCF94AF58941D483E….. 0 AK3VTD8LP9QDY Jun 11 2013 12:00AM E292338A7964437EA7A1448B5….. 0 AK3VTD8LP9QDY Jun 11 2013 12:00AM A5523DFA3D39467D9F36DFFD4….. 0 AK3VTD8LP9QDY 6LZQ43ZQN3KBU Jun 11 2013 12:00AM A5523DFA3D39467D9F36DFFD4…..
- 26. Conclusion Complete AFP implementations currently in progress Weekend AFP processing Explore new AFP partnerships based on airline requests