1.
IBM Payments Gateway
a new opportunity to extend retail payment

2.
THE LAST MILE IN CONNECTED
CUSTOMER SHOPPING
EXPERIENCES.
IBM PAYMENTS.
2

3.
DISRUPTOR: But digitally empowered customers are most concerned about credit fraud
when paying online
of customers
abandoned their
shopping cart due
to concerns over
payments
security.2
of online shoppers
want to see a
variety of payment
options at
checkout.1
1 Milo Local Shopping, NO CART LEFT BEHIND: WHY SHOPPERS AREN’T FOLLOWING THROUGH ON ONLINE PURCHASES, 2013, http://www.columnfivemedia.com/work-items/infographic-no-cart-left-behind-why-shoppers-arent-following-through-on-online-purchases
2 Statista, “Why do online shoppers leave without paying?” 2012, http://www.statista.com/statistics/232285/reasons-for-online-shopping-cart-abandonment/3
of consumers are
afraid of having
their credit card
data stolen and
abused – higher
than those
concerned about
national security
and war.4

4.
DISRUPTOR: However, most consumers still trust
banks to secure their data more than social and
tech organizations
5%
2%
5%
84%
Most
Trusted
Payment
Solution
4%
Consumer’s Bank
Payment Service Providers
Other Suppliers
Tech Companies (Google, Apple)
Social Media (Facebook, Twitter)
Other Banks
1 ING International Survey 2015, http://www.slideshare.net/ING/ing-mobile-banking-2015-report

5.
DEPENDABILITY AND
SCALABILITY
WHEN YOUR
CUSTOMERS NEED
TO BE AT THEIR BEST.
IBM PAYMENTS.
5

6.
A complete solution for digital commerce payments
over 170 different payment methods
with a deployment-ready solution
Highly Configurable
Consistent Omni-Channel Shopping Experience
Customer-focused Services for Easy Repeat
Purchases
to over 220 banks and processors in
over 70 countries
Grow Globally Quickly and Easily
Local Market Analysis & Worldwide Support
IBM Brand Recognition as a Business Partner
customer data to allow them to shop
with confidence
PCI-Compliant Data Vault
Manage All Payment Credentials
Absorbs Regulation Compliance Burden
from a single view of payments
across all channels and locations
Manage Payment Routing
Automates Settlement Reconciliation
Straightforward Data Feed
6

7.
Retail payments acceptance solution for merchants, processors
and acquiring banks
7
Payer
(Consumer)
Transaction
Acquirer
Payee
(Merchant)
Issuer
Processor
Instrument
Issuer
Acceptance Technologies:
Payments Management:
Integrate through APIs to pre-integrated payment
methods, banks and processors around the globe.
A cloud-based payment management solution with one
view of payments and reconciliation across channels.
Network Acquirer
Processor

8.
A truly global solution with locale-specific
currency and payment type support.
8
In use by manufacturers, credit processors,
retailers and telecoms around the world.

9.
MANAGE: IBM Payments Gateway provides complete reconciliation and insight into all
payments activity
9
Straight-Through Processing
Data feeds designed to lower manual workload and achieve
straight-through processing of payments.
• Automated closing and (re-)opening of accounts receivable
(A/R) records
• Automated posting of bank and processor fees
• Automated cash application and deposit forecasting
Lower Settlement Costs
Automated reconciliation of funds settlement combined with a
managed service, which handles exceptions and ensures proper
settlement on every transaction.
• Controls over lost settlements, fees and downgrades,
settlement timeliness, and foreign exchange
• Managed service to reduce operating costs

10.
SECURE: Highly secure data vault in the cloud and tokenized communication means no
longer having to manage customer credit data and security headaches in house
10
PCI Data Vault with Tokenization
IBM Payments Gateway stores all payment information in a PCI
vault where the information is encrypted, protected by strict
access controls, and purged when no longer needed. The vault
includes a tokenization mechanism that works in all interface
modules, tools, feeds and reports. This enables centralization and
outsourcing the storage of all payment information to the data
vault.
Embedded Fraud Prevention
• Address Verification Service (AVS) check
• Card Verification Code (CVC) check
• Card issuer and country check
• 3D secure cardholder authentication
• Dynamic security checks

11.
Increase transaction rate
leverage by enabling
processing through
multiple banks while
reducing cost through
complex payments
reconciliation insight and
chargeback dispute
analysis.
Assist counter-fraud
activities with complex
multi-bank reconciliation
and dispute insights while
eliminating concerns of
data at rest, regulation
compliance and system
exposure.
Leverage the SaaS cloud
architecture to alleviate
time-to-market, scalability
and security concerns by
offloading the burden of
PCI-compliance, data
security and regulation
maintenance to IBM.
Offer customers frictionless
and secure payment options
across devices and channels,
reducing checkout
abandonment and improving
the entire shopping
experience with over 170
payment methods in over 70
countries to help your
business grow globally.
IBM Payments Gateway generates deep engagement opportunities for banks with their
merchant customers.
11

12.
FAST CLOUD DELIVERY. EASY
INTEGRATION. REDUCED RISK.
IBM PAYMENTS.
12

13.
Tested and benchmarked to provide exceptional
performance when our clients need it most.
13
Deployed on cloud systems by IBM, one of
the world’s top 3 cloud providers according
to analysts and researchers. 1
1 Synergy, IBM, Amazon and Salesforce Lead in Cloud Infrastructure, 2014, https://www.srgresearch.com/articles/amazon-salesforce-and-ibm-lead-cloud-infrastructure-service-segments

14.
IBM Payments Gateway is easy to integrate, easy to use and easy to manage
14
Multiple Web, API and App Integration Options
• JSON API – Provides full control of payment GUI and user experience,
a RESTFull HATEOAS interface. Ready for web 2.0 and HTML5 with PCI-
DSS insulation and a full suite of transactions, for all payment
methods. Can be extended with full Andoid and iOS source code
libraries.
• Hosted Payment Page - Embeds “payment page” into merchants
website to receive and store payment info (e.g. credit card #) within a
PCI compliant vault requiring no additional development.
Comprehensive Payments Insight and Control
• Technical Issues
• Entry point: 2nd Level Support Desk
• Escalation: Support Desk Manager / Duty Manager
• Business Related Issues
• Entry point: IPG Account Manager
• Escalation: IPG Operations Team Lead / PS Operations
Manager
{ JSON }javascript object notation
iOS android

15.
IBM provides reseller account management, Level 1, 2 and 3 technical and business
support as part of the managed service
15
Account Management and Trouble Ticketing
• Account Manager – a IPG account manager will be assigned to handle
the IPG business related communication; such as inquiries, change
coordination, and on-boarding coordination. The account manager will
also provide the monthly business review report.
• Level 2 Technical Support - a 24/7 support desk available to all
resellers. They handle all technical questions and all severity 1 and 2
incidents.
• Level 3 Technical Support - a team of specialists in IT operations and
development. They are part of the advanced problem diagnostics and
resolving team.
Comprehensive Support Structure
• Technical Issues
• Entry point: 2nd Level Support Desk
• Escalation: Support Desk Manager / Duty Manager
• Business Related Issues
• Entry point: IPG Account Manager
• Escalation: IPG Operations Team Lead / PS Operations
Manager

16.
THE COMFORT OF EXPERIENCE
AND PROVEN RESULTS.
IBM PAYMENTS.
16

17.
million debit, credit pre-paid and commercial
cards issued in processors’ regional footprint.
banks and member cooperatives that now have
access to deliver a digital wallet solution to
their customers through the new service
430
IBM Payments Gateway
17
A large European payments processor needed to develop a
strategy to compete in the digital wallet space against
competition like PayPal and Google Wallet for online, mobile
and NFC sales. The IPG solution was deployed to cardholders
and provides wallet services, payments gateway, merchant on-
boarding and hosted payment/checkout pages.
Better financial services
made with IBM
3700+

18.
vehicles/owners in use that have accounts and
need payments management
movements are tracked daily and
corresponding payments must be processed
when peak charges are assessed
250k
IBM Payments Gateway
18
A European transportation agency needed an easier and
simpler way to let their residents pay for peak traffic driving and
express lane surcharges which must be paid within 24 hrs of
occurance. The IPG solution expanded payment options to auto
billing, credit/debit card, IVR and SMS. The solution also
simplified and reduced fee collection costs as well.
Better cities
made with IBM
450k

19.
expected purchase transactions per year direct
to the consumer via the online channel
subsidiary companies leveraging the same
cloud-based payment system at checkout
600k
IBM Payments Gateway
19
A multi-national toy and board game company located in North
America was deploying a new online storefront solution for B2B
and B2C sales. The company selected IBM Payments Gateway to
accept multiple credit/debit card, ACH and digital wallet
payment types along with a card-on-file solution to streamline
subsequent customer checkout experiences.
Better retailing
made with IBM
12

20.
IBM is dedicated to your success, in your industry
Unparalleled Industry Expertise
• Accelerate solution design
and thorough business
process expertise
• Reduce project risk with
reusable implementation
patterns and support for
industry standards
• The #1 Banking Industry
provider as ranked by the
FinTech 100
Extensive Industry Support
Community
• IBM partners with the top
banks in the world to invest in
innovative design,
functionality, and integration
• Dedicated resources within
Global Business Services with
an average of more than 10
years of experience
• Services organization closely
aligned with software
products to effectively
translate technology into
business outcomes
Significant Technical Investment
• Over $3 billion invested in the
last 3 years to create a truly
smarter approach to commerce
• Integrated products for easier
implementation and increased
speed to value
• Synchronized product
roadmaps across software
portfolio