Product ManagementWhat Is ISGPAY? What is ISGPay? • Hosted payment hub providing end to end payment solution to Financial Institutions and businesses. • Built using robust technology platform • Ease of scalability in terms of handling large transaction volumes • Modular architecture of the hub allows for quick addition of new functionality and services. Transaction Flow In-Solutions Global www.insolutionsglobal.com Configurable Integration In-Solutions Global www.insolutionsglobal.com 2 1 Expiry Txn Confirmation BANK Servers 3.3 Password 5.com .OTP In-Solutions Global www.insolutionsglobal.2 Password .2 Customer ID Password Txn Confirmation WALLET Servers 5.3 4.1 Wallets Mobile Number Login ID .1 4.1 ISG Hosted 3 ISG Pay (PG) Card Number 2 3.3 CVV 3.Mobile No.4 5 5.4 Credit/Debit Card Customer 4 4. 5. ISG Servers Scenario 1 : Hosted Page 3.4 NetBanking 4. Mobile No. Merchant Server ISG Servers Scenario 2 : Merchant Hosted Page Merchant Hosted-PCI-DSS Certified Merchant 3.4 Credit/Debit Card Customer 4 4.1 3 Card Number 2 3.3 4.OTP In-Solutions Global www. 5.2 Password .com .2 Customer ID Password Txn Confirmation WALLET Servers 5.3 CVV 3.4 5 5.4 NetBanking 4.1 4.2 1 Expiry Txn Confirmation BANK Servers 3.insolutionsglobal.3 Password 5.1 Wallets Mobile Number Login ID . OTP In-Solutions Global www.Iframe 3.2 1 Expiry Txn Confirmation BANK Servers 3.3 Password 5.2 Password .4 NetBanking 4.4 5 5.com .1 4. 5.2 Customer ID Password Txn Confirmation WALLET Servers 5.1 Wallets Mobile Number Login ID . ISG Servers Scenario 3: Merchant Hosted Page .Mobile No.3 4.4 Credit/Debit Card Customer 4 4.3 CVV 3.insolutionsglobal.1 Merchant Hosted-NON PCI-DSS Certified Merchant 3 Merchant Server Card Number 2 3. com .Payment Page In-Solutions Global Pvt Ltd www.insolutionsglobal. . Features & Functionalities . Security 4. Multi Currency Settlement Acceptance l. Branding Features a. Risk Management b. Reporting features i. Retry Option c. Multi Language e. Multiple account k. Access Control Conversion(DCC) h. Mobile Check out d. SSL Encryption d. Customized Payment d. Server to Server API Page e. Mobile Checkout Payment Page c. Customized Payment g. Chargeback c. Email Based Validation c. Buy rate configuration f. Processing capabilities Page h. Recurring Billing e. Convenience 3. Merchant Request URL b. Features 1.insolutionsglobal. Dynamic Currency g. Tokenization e. Multi Bins Configuration In-Solutions Global www.com . Tokenization a. Invoice based b. QR Code Based i. Delivery Vs Payment j. Offers & Promotions payments j. InApp Payments f. Hashing Techniques a. Processing capabilities f. Surcharge to end user a. EMI Model d. Multiple language b. Banking Fetaures 2. sales environment. •Flexibility of Integration with any commerce platform. Other Features • Support Pin based Txns. •Various Merchant settlement cutoff at merchant level •Multi TID Configuration – via single integration •Separate Pay Page for EMI TID's / EMI Hosted Pay Page •Support Only Debit Card Acceptance •Support Onus Txn •Smart Router In-Solutions Global www.insolutionsglobal.com . JCB & China Union Pay. CRM and ERP.Maestro cards •Set pan masking at different levels Dash board and notice board for the merchant at regular intervals •Captcha field for security •Ability to integrate with Amex. commercial . total amount which will be debited is RS 112 from customer account as Rs 12 is the ISG charges+tax will be debited and Rs 100 will be credited to merchant account.g Rs. Financial services.10 +Rs.insolutionsglobal. 100 is the transaction amount. E.com . we will pass transaction amount credited to merchant account as per settlement cycle and deduct transaction charges as ISG earning.Surcharge Using this functionality we can add transaction charges on transaction amount and pass to bank for debiting Once debit is happened. Mainly applicable for Government. In-Solutions Global www. Feature. Insurance and utilities companies. 2 is the service tax. Education. we are charging merchant Rs. ISGPay-Surcharge In-Solutions Global www.insolutionsglobal.com . Marathi. Tamil. Kannada & Bengali. Feature-Multi-language payment page What are the features of the Multilanguage Payment Page? The Multilanguage Payment Page will have the same look and feel as our regular has the same look and feel of ISGpay.e.com . the only difference being that it will be available in 7 languages i.insolutionsglobal. What are the advantage? Customers can transact conveniently in a language in which he/she is comfortable Drop in gateway time-out rate as content is easily understood In-Solutions Global www. Telugu. Hindi . Revnue Sharing • Setting to configure buy rate layers based on Above/below txn amount • Configure buy rate validity from and to • Track history of buy rates • Reports based on different validity buy rates • Ability to configure rates on revenue sharing • Ability to configure pricing sector wise. Flat-fee. .Buy Rate Configuration • Restricted access to activate Buy rate • Setting multiple flavors of Buy rate – Percentage. Feature. .Standing Instruction Model(SI)/ Recurring Payments On successful completion of approved transaction.following actions pertaining to SI is done • SI registration form is saved in ISG database. Feature. • Generated SID is also sent along with response to Merchant Hosted response page. • SMS is sent to Card Holder on the registered mobile number informing of the successful SI registration. . Feature.Usage of SI • Fill in your card details • If the merchant is eligible for SI. then a SI registration check box appears on the card entry page. the SI registration form appears. Feature. .Usage of SI • On clicking on “Enroll”. • Cardholder has to fill CVV and proceed to payment.Usage of SI • Once submitted. Feature. the card entry page reappears with pre-populated card number and expiry date from previous form. . • Partial capture: This feature is an extension of the capture feature where the merchant can partially capture the payment. Capture/Cancel • The capture/cancel feature enables to save on the charges levied during transaction.Processing capabilities Auto-Capture • Auto-capture feature captures payments as and when the transaction has been received in the merchant account. in case if the merchant is not willing to process the order. . Feature. This feature is useful for high transacting merchants or merchants with limited human resources. Partial Refund This feature is an extension of refund capability where the merchant can do a partial refund on the payment. Multiple partial refunds can be performed for a specific payment till the total txn amount is zero. Feature.the entire amount can be refunded to the customer using console and transaction charges are levied on the merchant. Online refund API Refund Process takes 3-5 working days depends on banks to banks.Processing capabilities Refund In case the merchant is not able to process the order . Bulk mode and Single Txn Mode . These Capabilities can be done via API. .Reporting Facilities Track your online payments • ISGPay helps merchant to download the all the payments processed in the Account and even the reports for historic payment can be generated. Refine your data • Custom Reporting enables you to exclude the fields that aren’t important. • Account Statement. • Know your customers • The details of any transaction can easily be found simply by using the Email ID or the Order ID attached to the transaction.Get a complete scenario of all the Credits and Debits made on the Account with the details of the transactions. Feature. making the reports more users friendly. Reporting Facilities Easy reconciliation • ISGPay helps merchant to easily keep a track of revenue and reconcile merchant accounts with Settlement Reports. flagged and refund transactions) • Download in Excel. PDF.tid. mcc . successful. Features • Predefined reports • Custom report templates+ Email Alerts (for settlement. It breaks down the individual payments within the total amount deposited into merchant settlement account each day. Feature.bin level etc . XML and view in HTML • Different types of report including Current and History required at merchant. Know the revenue generating payment options • The tool helps merchant to generate reports of merchant transaction reports for any specific payment option. merchants must install expensive end-to-end encryption systems or outsource their payment processing to a service provider who provides a "tokenization option.Tokenisation Tokenization is the process of replacing sensitive data with unique identification symbols that retain all the essential information about the data without compromising its security. To be PCI compliant. To bolster the security of credit card and e-commerce transactions while minimizing the cost and complexity of compliance with industry standards and government regulations.256 Encryption technology and has Encryption Key management as per PCI DSS Security standard. Are customer details safe?? Tokenisation uses an Advanced Encryption Standard (AES) . . Security + Convenience Feature." The service provider handles the issuance of the token value and bears the responsibility for keeping the cardholder data locked down. • Integrates easily with website offering a seamless customer experience.Tokenisation What are the advantages? • Increase Success Rates earlier affected because of long payment process. • Reduce instances of chargebacks • Offers absolute parameter control • Eliminates PCI-DSS compliance issues .Security + Convenience Feature. Tokenisation.Payment Page . insolutionsglobal. Customers can complete the transactions via web or mobile In-Solutions Global www.com . Convenience Feature + Branding -Invoice Based Payments ISGPay Invoice Merchant creates invoice using ISGPay and sends it to customers. Flexibility of choosing payment options. Transaction Time reduces. Convenience Feature -Retry Option Retry framework to help the customer in completing the payment with different processor or option. Benefits of Retry Options Increases success ratio of around 4-6% for merchants. . Customer do not go back to merchant site for Checkout. What are the benefits? • ISGPay “Advanced Payment Page Customisation” offers a variety of benefits which include: • Flexibility to adapt your payment page as per your website • Create a seamless look & feel across your entire website • Maintain your brand equity • Increased user trust .Payment Page “Advanced Payment Page Customisation” allows a custom look & feel to be created for payment page. creating a seamless buying experience for customers. Convenience Feature + Branding . Payment Page Enhanced GUI look & feel Customization of the Payment page Can create Customized payment pages Dynamically selecting the preferred page Selection of Hashing Technology for Request & Response Ability to receive feedback in GET or POST Mobile version of Payment page Provision to capture Billing and Shipping on ISGPay page API to retrieve Payment options enabled A/B Testing . Convenience+ Branding Feature. What is Smart Router? Today between 25-30% of the transactions fail to get redirected to the desired Bank. • 70+ algorithms for routing • Transaction monitoring at high frequencies • Human intelligence reporting • Dynamically routing to the best healthy processor • Retry framework to help the customer in completing the payment with a different processor or option • Facility to send invoices to customers for abandoned payments . ISGPay Smart Router increases the efficiency by 10-12%. Intelligent Feature. NO Algorithms R7. How does Smart Router Work R1. R3 R1 to A1 SR . R5. R8. R6 SR . R9 MERCH R8 to A2 A3 ANT 3 60% A3 R9 to A3 R1~ R9 = Requests | SR = Smart Router| A1 ~ A3 Acquiring Banks .YES MERCH R5 to A2 A2 ANT A2 2 Rules 70% R6 to A3 & R7 to A1 SR . R2.YES A1 MERCH R2 to A2 A1 ANT 80% 1 R3 to A3 R4 to A3 R4. Feature -Chargeback Management Ability to Mark Chargeback Chargeback Adjustment Documents upload Alerts Payment Hold Transaction Txns Integrated Module . Feature -Risk Management Various rules for risk managements are: • Velocity Check • Email Check • Device id Check • Bin Check • City Check • Address check • Pincode check • Mobile Number Check • IP Check/Block . IOS • Seamless Integration • Better Customer Experience . Feature .InAPP Payments • Payment though Native/Hybrid App • Supports various platforms like Android. com . Integration Security ● Hashing Techniques ● Merchant Request URL Validation ● SSL Encryption ● Server to Server API ● Access Control In-Solutions Global www.insolutionsglobal. User Access Control Ability To Create user/Sub-user Assign Role Audit Trial Mapping user with role/rights . Security Feature. NET • ASP • PHP • Pearl In-Solutions Global www.com . Sample Integration kits will be available in all the major programming languages: • JSP • ASP.insolutionsglobal.NET • VB.Integration and API Merchant can select the option of the model which suits them the most or website is developed. com .insolutionsglobal. Cancel and Refund In-Solutions Global www.Integration ISGPay API Merchant can send API call for Capture. Flag.com .Payment Cycle.insolutionsglobal. Pricing In-Solutions Global www. Fund Settlement. Merchant Category. Payment Cycle Various Payment Cycles: • T+1 day • T+2 day • T+3 day • T+7 day In-Solutions Global www.insolutionsglobal.com . com .insolutionsglobal.Payment Flag ● Sale ● Preauthorization ● Capture ● Refund ● Decline ● Pending In-Solutions Global www. SBM.SBP. DCB and Dhanlaxmi bank.Vijaya.com .UBI.CSB. SBI.Kotak Bank. Karnataka bank. Indian Overseas bank. HDFC bank.Central Bank of India. SBT. SBH. Union Bank of India. City Union Bank. J&K bank.Payment Options Card Processors • VISA.PNB.Citibank. Diners Club • Amex-Amex.Deutsche Bank. Indian Bank. Rupay.YesBank. MasterCard.SBBJ.Andhra Bank .ING Vyasa Bank. Federal bank.insolutionsglobal. Saraswat Bank.United Bank of India. Bank of India. M-wallet • Mobikwik and Oxicash NEFT/RTGS Rewards Point EMI UPI In-Solutions Global www.Canara Bank. Axis bank. Corporation bank.JCB NetBanking • ICICI bank. • ISG settles money to respective merchant’s bank account on T+2 working days through ISG Nodal account In-Solutions Global www.Settlement Cycle • Customer account will be getting debited real-time and money is getting credited to internal account of respective Bank on ‘T’day.com . • Respective bank send money to ISG Nodal account on’ T’+1 Working day along with reconciliation files where ‘T ‘is the transaction day.insolutionsglobal. • ISG system does reconciliation with reconciliation file received from respective banks and generates reports. .POS . Standalone Solution Architecture . SME SOLUTION ARCHITECTURE . Security KEY MANAGEMENT KEY INJECTION PIN ENCRYPTION MESSAGE ENCRYPTION . Amex. Master.Maestro and Rupay Rewards: Payback.Master. Edenred Wallets like Paytm.Axis .CUP and Discover Debit Card:Visa.Masterpass UPI EMI with banks like HDFC.ICICI .Payment Options Credit card: Visa.Mobikwik .Diners. notifications Multi currency and DCC User Interface Ability to integrate terminal manufacturers .Switch Features Direct integration with issuers/schemes using web services and/or APIs Fraud monitoring and risk engines with user interface Ability to quickly establish host to host integration with 3rd party systems BIN based processing and routing MCC based processing and routing In built promotions and offers engines Integration with ISG recon engines/MAPS for end-to-end recon and reporting Direct integration with SMS. merchant mobile app and merchant web portal for real time delivery of alerts. Transaction Management Search Option on the basis of MID/Transaction number (Bank/PG) Reconciliation file for various payment methods Refund file generation Refund Option for merchants Bulk Refund Option Audit Trial Exception Report generation Settlement MIS Search Option on the basis of merchant Name/website Customize MIS Dispute management . The facility can be activated at identified merchants and also at the request of the merchant to disburse cash up to a maximum of Rs. 2000/card/day. Debit Cards of all Banks/Issuers are supported . Cash at POS Cash@POS is a facility using which debit card holders can withdraw cash by swiping their debit/prepaid cards (issued in India) at POS Terminals at merchant locations. THANK YOU For your Attention .