The document discusses the evolution of payment platforms and the need for businesses to adopt next generation, all-in-one payment solutions. It notes that early platforms focused only on connectivity, while current platforms offer APIs and regional processing. However, businesses now require built-in functionality, integrations, and analytics to optimize mobile and cross-border sales in today's global digital economy. The document advocates that businesses adopt a single, all-in-one payment platform that can handle online and mobile checkout as well as payments for platforms and marketplaces, while offering built-in products, reporting, and analytics. Adopting such a platform promises to deliver sales growth, reduced IT costs, and optimized checkout experiences.
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What an All-in-one Payment Platform Means for Commerce & Your Bottom Line
1. What an All-in-One Payment Platform
Means for Commerce & Your Bottom
Line
Ralph Dangelmaier
CEO
2. 30%
Cross-border
50%+
MobileFueled by
$7T
in 2017
The Market is Driving the Next Generation
Global B2C eCommerce:
>75% Growth by 2020
$4T+
$2.3T in 2017
Global B2B eCommerce:
>40% Growth by 2020
$6.7T+
$4.7T in 2017
Sources: Alibaba and Accenture: http://www.alizila.com/cross-border-e-commerce-to-reach-1-trillion-in-2020/
eMarketer, 2016: https://www.emarketer.com/Article/Worldwide-Retail-Ecommerce-Sales-Will-Reach-1915-Trillion-This-Year/1014369
$10.7T
in 2020
3. 1995
Gateways
CONNECTIVITY ONLY
Basic gateways for card
processing
($100 Million)
Start-up Friendly
APIs & MERCHANT ACCT
APIs that enable regional card
processing
($135 Billion)
2009
Payments as a Service
ALL-IN-ONE
Built-in functionality and
integrations to optimize mobile &
cross-border sales
($10 Trillion)
2018
Time for the Next Generation
GEN 1
GEN 2
GEN 3
4. All-in-One Payment
Platform to Deliver
Payments as a Service Online & Mobile
Checkout
Virtual & POS
Terminal
Payments for Platforms
& Marketplaces
Subscriptions
Invoices
6. Gateway Payment integrations
eCommerce Company
US
EU
Asia
Latin America
Billing/Subscription
B2B/B2C Invoicing
Alternative Payments
eWallets
Reporting
Marketplaces
Businesses are still using Gen 1 technology
BEFORE
7. Gen 3: All-in-One Payment Platform
AFTER
All-in-One Payment Platform
eCommerce Company
9. How do you optimize card payments
infrastructure like Amazon, Starbucks,
Alibaba?
10. Market
Key Trends
MANAGING MULTIPLE INTEGRATIONS IS
BECOMING MORE DIFFICULT
MOBILE WALLETS TO ACCEPT MORE SALES
ACCELERATING CROSS-BORDER PAYMENTS
CREATE A GLOBAL SOLUTION WITH
ANALYTICS WITH BI & AI TO DIG INTO THE
DATA
11. Key Trends Data
68%selling and supporting multiple
ways to accept payments
80%have had multiple gateways,
platform integrations and
inconsistent checkout flow
80%CNP Fraud losses are
projected to soar by 2020
24. Mobile continues to growMore global sales
What can we expect this year…
More B2B sales
move to digital payments
25. More businesses
operating as marketplaces
Integrated
Payments
What can we expect this year…
Fraud increases
because of mobile and global
26. Market
Key Trends
Amazon, Alibaba, Starbucks, etc are building own
payment integrations for checkout optimization
Businesses need pre-built integrations to compete
Platforms are trying to help by working with payment
facilitators with more pre-built integrations
Card Not Present (CNP) fraud continues to rise
28. • Single API with mobile wallets
– increase conversions
• Local acquiring connections
• Fraud integrated
• Subscriptions built-in
API Frictionless
subscription
checkout with
maximized
payment
conversions
+15%
29. Invoice Payments
• Manual subscriptions
• Only credit cards
• Decline issues
Frictionless invoice payments, reduced
account receivable time by 75%
Invoice Payments – Case Study
Creating a global solution
81% of merchants selling globally
53% of merchants are boarded to multiple local acquirers
Local payment types increased 35%
So we think these are some of the best practices to help boost your bottom line.
Ben to chime in here. Add data points from market trends slides.
Mobile commerce is growing rapidly—projected to hit nearly $1 trillion next year
Mobile transactions are up to 2X more likely to involve fraud.