“E”

This single word has changed our World !!!

Payment Utility E-Governance Online shopping

Your Biggest FEAR while Transacting ONLINE !

Transaction is COMPLETE.

Transaction is INCOMPLETE.

Transaction is SECURED.

How the Transaction is COMPLETED ??

How the Transaction is INCOMPLETE ??

Insufficient Balance.

Wrong Bank details.

Your A/C is debited but Order not confirmed, REDIRECTION Unsuccessful due to Poor Internet Connectivity or that ONE ENTITY involved.

How the Transaction is SECURED ??

Make sure that ONE ENTITY has the following Logo’s.

You are using a HTTPS (S for Secured) Protocol and 128 Bit SSL standard for Data Encryption.

That ONE ENTITY finally

Major Payment Gateway’s in INDIA

Payment Gateway Interface

Payment Gateway It facilitates the transfer of information b/w a point of payment and the front end processor or bank.

Advantages• Secured.• Real time validation and

processing.• Faster refunds in case of failure

of transaction.• Access to reports to the

merchant.

Disadvantages• Fixed Fee/ month.• Percentage fee / transaction.• Fixed Fee/ transaction.• Privilages of allowing credit card

purchases is 1-5% or more.

Some Interesting STATS …

• Indians will spend Rs 1.2 Lakh crore worth of Digital money by the end of 2014, a study by IAMAI & NPCI. • A growth of 40% from 2013.

HIGH GROWTH SECTOR

Challenges in INDIA

Success Rate:- only 65%Application process:- Too CumbersomeDEMO Setup:- Unavailability of Demo service 8 step payment flow:- Multiple re-directs usually 8 server hops. After sales service:- Very POORMobile Gateway:- NOT OPTIMIZED mobile transition.Security Certificate:- VERY EXPENSIVE security certificates from

VERISIGN(Net Authentication Agency)

Comparison b/w Payment Gateway’sPAYZIPPY

Setup Fee (Rs) 0

Debit Card 0.75% for value < Rs. 2000

1% for value > Rs. 2000

Netbanking 3.5% for Value between Rs. 0-5 lakhs.

Credit Card 3.5% for value between Rs. 0-5 lakhs.

American Express 3.50%

International Credit Card

1.5% over and above domestic credit card pricing

AMC (Rs) 0

PayU India

Setup Fee (Rs) 6000

Debit Card 0.75% for value < Rs.2000

1% for value > Rs.2000

Netbanking 4.90%

Credit Card 4.90%

American Express 4.90%

EMI 4.90%

Cash Card 4.90%

Release on Delivery (COD) 2.90%

AMC (Rs) 2400

Comparison b/w Payment Gateway’s cont’d …

CCAVENUE

Setup Fee (Rs) 0

Debit Card 1.25%

Netbanking 4%

Credit Card 3.50%

American Express / JCB 5%

Cash Card 5%

CC Avenue Phone Pay 0.5% + Above TDR

AUSC/AMC (Rs) 1200 (from 2nd year)

EBS

Setup Fee (Rs) 12000

Debit Card 3%

Netbanking 4%

Credit Card 4%

American Express/JCB/Diners 5%

EMI NA

MMC (Rs) 600

Enhanced Gateway Services !!

• PAYZIPPY by FLIPKART

• PayUMoney by PayU (Prepaid Wallet Service)With enhanced features such as Email Invoicing , Free webstore, Free Webfronts, Tracking Settlements, Ease of Integration etc…

Further Discounts for Buyers

Future of India…

• RuPay, India's own payment gateway , 7th Payment Gateway in the World launched on 7th May’14.

Set up by the National Payments Corporation of India.RuPay will also facilitate ATM withdrawals, payments at merchant

outlets and online purchases.Benefits:- Lower Transaction Costs, Highly Customized & Data

Protection.

About Me • Technology Analyst @ Technoingg (http://technoingg.wordpress.com/)

• Certified Oracle DBA Level 2 (OCP).

• Certified RedHat System Admin in Linux Level 2 (RHCE).

• Certified by IBM in Big Data Analytics and HADOOP.

• Certified by EXIN in ITIL Foundation.

• Certified Ethical Hacker(CEH) from EC-Council in V.7

• Certified by Udemy in Social Media Marketing, Google Analytics and SEO.

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