KCB ONLINE PAYMENT SOLUTIONS

INTERCONTINENTAL HOTELMARCH 30TH,2012

The only guarantee for failure is to stop trying

INTRODUCTION

KCB’s Online Payment Solution enables customers to pay online through KCB merchant websites.

Acts as a payment link between the cardholder and merchant.

Card details are forwarded in a secure manner to the Bank for processing.

It facilitates the payment to the merchant's bank account for card transactions acquired online.

HOW IT WORKS The Cardholder visits the merchant website

and selects “payment by card”

Cardholder provides card details.

Details picked by Online Payment Solution.

Details forwarded electronically to KCB for processing.

Approval is obtained Cardholder gets a notification of the card

transaction. Payment is effected to merchant account

within 3 days of transaction

Transaction FlowCustomer makes online purchase

Merchant confirms payment

KCB sends approval/ status

KCB processes credit cardContact

Customer’s bank

Approval

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ILLUSTRATION

Why KCB Gateway

Secure Easy to integrate to your website

– we can assist you integrate to any system that you need.

Simple set-up process Fraud monitoring and

managementWorld class payment gateway

powered by VISA and MasterCard Registration simplified and easily

understood

SecurityVbV – Verified by VisaMastercard Secure CodeFraud training for usersIntegrated Fraud monitoring

solutionExpert Monitoring Fraud scoring

for merchants –helps reduce the bottom-line impact of fraud

Benefits to the Cardholder

Convenience of payment - make payment from anywhere any time.

The customer does not have to carry cash for payments.

Clients are assured of availability of the required services.

Benefits to MerchantDistribution evolvesIncrease the yield from each

tourist24 hrs payment by customersConnect directly with in-bound

travelersReduced cash handling costsExpert advice on how to

manage e-commerce payments.

Payment within 3 days

Challenges

• Address FX challenges• Local & Timely settlement• Connectivity• Robust Legal framework to

address cable vandalism• Acceptability of Online

payment as a secure means of payment

Requirements

KCB merchant relationship to accept cards as a means of payment for goods and services

Signing merchant agreement KCB Card Centre to discuss on set-up of this

solutionmerchantservices@kcb.co.ke

Regular training to combat fraud

Credit Cards KCB has a wide range of Visa and MasterCard credit cards

Pre-Paid CardsKCB has a range of Visa-branded Pre-paidcards that allows customers to pre-load cash and utilize the card anywhere in the world.

Other KCB offers to Tourism Sector

KCB Internet Banking Mobile Banking

– Check balances– Funds Transfer – Get mini statements– Card Queries– Foreign currency exchange rate requests

Other KCB offers to Tourism Sector

Foreign cash exchange (Purchase/ Sale)Foreign draftsSwift transferE-StatementKCB Quick PayAsset Based Finance Facilities Mortgage Facilities Corporate FacilitiesSME Facilities

Other KCB offers to Tourism Sector

Contacts:wmichoma@kcb.co.ke

ormerchantservices@kcb.co.ke

Tel.: +254 20 3656000