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Vision and Strategy. YESpay E-Commerce Payment Service Cutting the cost of Internet Payment Processing Rohit Patni EVP Sales and Marketing Presentation Plan. Key Players & Business Drivers Increased security Improving payment efficiency

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vision and strategy

Vision and Strategy

YESpay E-Commerce Payment Service

Cutting the cost of Internet Payment Processing

Rohit Patni

EVP Sales and Marketing

presentation plan
Presentation Plan
  • Key Players & Business Drivers
  • Increased security
  • Improving payment efficiency
  • Driving down integration and PSP charges
  • YESpay Background
  • EMBOSS Payment Processing Service
key players payment process value chain
Key Players – Payment Process Value Chain

Payment Service Provider

E-Commerce site developers

Card Acquirers



Integrated on-line payments

From store to web

Minimal service cost

key players business drivers
Key Players Business Drivers
  • eMerchants
    • Attract and retain customers
    • Increase revenues via new sales channels – 24hour shopping!
    • Implement increased security - PCI-DSS, AVS, CVV and 3D Secure (Verified by Visa & SecureCode)
    • Real-time transaction reports to simplify reconciliation
    • Support subscription payments and eWallets (multiple payment methods)
    • Reduce transaction processing costs - flat monthly fee, no individual transaction charges or annual fees
  • Consumers
    • Convenience of on-line shopping
    • Privacy and Security – VBV & SecureCode
    • Low transaction costs
key players business drivers1
Key Players Business Drivers
  • E-Commerce web/WAP site developers
    • Simple and rapid payment integration
    • Security utilising HTTPS, VBV / SecureCode and SSL
    • No bank testing or PCI DSS approvals
  • Payment Service Provider (YESpay EMBOSS Service)
    • Attract and retain web merchants
    • Build trust (security, fraud avoidance)
    • Offer low-cost PSP services
  • Acquirers/Issuers
    • Maximise brand coverage and expand transaction revenue
    • Fraud avoidance (Mandate use of 3D Secure)
increased security with pci dss 3d secure

Product / Service

VBV/SecureCode Authentication Server

Increased security with PCI-DSS & 3D Secure
  • PCI-DSS accreditation – secure storage of card details
  • Verified-By-Visa & MasterCard SecureCode
    • Cardholder authentication to protect the retailer from fraudulent claims
    • Simple password protected identity checking service
    • Removes risk of charge-backs from cardholders repudiating an online transaction
  • Equivalent to Chip and PIN at a retail Point-of-Sale
how it works
How it Works
  • Click for demo
improving payment efficiency ewallets
Improving payment efficiency – eWallets
  • Customer eWallet
    • Stores card details securely
    • Avoid entering card details with every online transaction
    • Secure cardholder login to eWallet – transaction reporting
  • Merchant eWallet
    • Merchant is provided with a subscription account id for the wallet account
    • Merchant can charge a customer using the cardholder’s subscription account.
  • Advantages
    • All the card details are stored on EMBOSS - no need for the merchant to be PCI DSS complaint
    • Merchant website only requires the cardholder to enter card details once
    • Useful for applications requiring recurring charges
cutting the cost of integration
Cutting the cost of Integration
  • Re-direction model (EMBOSS pay page)
    • Cardholder is redirected to the EMBOSS website for entering the card details
    • All the card details are captured directly on EMBOSS for processing
  • API model (Merchant generated pay page)
    • Merchant website presents the card capture pages to the customer
    • Card details submitted to EMBOSS for processing
  • YESpay offers 2 integration methods
    • YESpay Merchant Plug-in installed on the Merchant’s web server
    • HTTP POST method does not require any YESpay software installation on the merchant website
      • Simple to integrate and can be supported from any web application platform
      • Web application only requires the EMBOSS merchant details and the password to start processing transactions
      • Reduced support as no installation of the merchant plug-in
offer to website developers
Offer to Website Developers
  • Free Simple to integrate e-Merchant Website Payment Plug-in Toolkit (FREE)
  • No formal bank testing required (Pre-approved)
  • We provide integration support (FREE)
  • We provide validation testing service (FREE)
  • End to End process including testing takes 5 – 10 days
traditional psp processing fees
Traditional PSP Processing Fees
  • Setup & Annual Costs
  • Monthly Fees: Acquiring banks / PSPs
  • Transaction Charges: %age of transaction plus fixed transaction fee
  • 3D Secure authenticated transaction Y/N
  • Example Costs  

Set-up Recurring Costs Merchant Service Charges

Generic Acquiring £200 £25 2.5 - 3.5% per credit card transaction plus ~1% of trans £0.30 - £0.45 per debit card transaction


yespay payment processing fees
YESpay Payment Processing Fees
  • Example Costs: Annual turnover£250K average trans value £20

YESpay Charges:

£40 Setup fee

FIXED £49.50 per month

up to 1250 trans / mth

Total Annual Cost = £634

~4p / trans

  • NO annual or maintenance fees
  • NO per YESpay Transaction Fees or Percentage of Transaction Charges (other than IMA charges)
  • NO Settlement Fees
  • Same payment platform used for Chip and PIN payment processing
internet merchant accounts ima
YESpay IMA Charges

Authenticated (VBV / SecureCode)

Credit Card ~2%- 2.5%

Debit Card ~18p – 25p


Credit Card ~2.4% - 2.9%

Debit Card ~25p – 30p

Costs depend on:

business’ average transaction value

transaction frequency

perceived security risk

exposure level

online turnover

how long the company has been trading

Internet Merchant Accounts (IMA)
yespay background
YESpay Background
  • Operating since 2002 as Payment Service Provider (PSP)
    • Headquartered in London with development & support centre in India
  • EMBOSS - Multi-channel retail managed payment service
    • Verified-By-Visa / MasterCard SecureCode compliant e-commerce payments
    • EMV national payment services supporting EPOS, Kiosk and Mobile POS payments
    • Fully acquirer pre-accredited IP-based Payment Gateway Service
    • Highly secure payment services – PCI-DSS accredited by Visa and MasterCard
    • Focus on Europe, USA and Asia Pac markets
  • Channel sales strategy
    • Payment Services Delivered through Partnership > 300 partners
    • Recurring revenue streams for YESpay and its partners
  • Low-cost, high-performance alternative to expensive ‘in-house’ payment solutions
emboss payment processing service
EMBOSS Payment Processing Service
  • Turning Internet Promises into Profit
    • Our solutions provide a substantial return-on-investment
    • You can deploy quickly with low integration and no ongoing maintenance costs
  • The Right Technology
    • Built on flexible and open technology platforms for easy integration
    • Support the broadest set of platforms and open standards
  • A Complete Solution
    • Exclusively targeting e-commerce and Chip & PIN business initiatives
    • Supports proven cryptographic standards and PCI-DSS accredited
    • Multi-acquirer accredited
  • Market Tested Product Technology
    • Our track record in delivering secure payment solutions is second to none
    • Supported by an extensive customer base
Any e-commerce strategy has to be centred on a

powerful, secure and cost-effective on-line payment platform.

Enable your retail website with YESpay’s EMBOSS Internet payment service to securely authorise and settle high-volume on-line payment transactions with multiple processors and acquirers.



+44(0)20 8370 6822