Welcome to
MPGS
Overview presentation for Merchants
October 25, 2019
The consumer has become a savvy digital native
Technology, user experience and fraud concerns are driving their decisions
Omni channel experience Mobile Experience Safety and security
- 74% of Gen Y shoppers used a mobile - 11.3M consumers in Middle East and - 34% of Gen X shoppers changed the
app to make a purchase in the last year Africa are expected to be making way the shopped online after being a
mobile payments by 2021 victim of card fraud
- Gen Y consumers average almost 14 GSMA Accenture
online purchases each month
©2017 Mastercard. Proprietary and Confidential
Javelin - 1 million consumers switch financial
- 73% of consumers in MEA prefer to institutions each year as a result of
make payments with their mobile fraud
phone. Javelin
Mastercard
MASTERCARD PAYMENT GATEWAY SERVICES 2
And current solutions aren’t solving their pain points
Consumers want a solution that makes their lives easier and more secure
40% 46% 44%
Of consumers in the Of online shoppers Of consumers in MEA
Middle East are in Nigeria site would increase use of
concerned about the convenience as the mobile payments with
security of online main factor to make speedier checkout
shopping1 online purchases1 methods2
©2017 Mastercard. Proprietary and Confidential
1. yStats.com report, February 2017
2. Nielsen
MASTERCARD PAYMENT GATEWAY SERVICES 3
Merchants can’t afford to fall behind
But fraud risks make them wary of e-commerce, so they
don’t know how to proceed
MAJOR COMPANIES
$3.6T 45% 86% WITH CYBER
BREACHES
SINCE 20134
+41%
By 2019, ecommerce sales Of all global of companies report Yahoo ◦ EBay ◦ JP Morgan Credit card fraud
will be e-commerce payments having had a Chase ◦ Anthem ◦ Target ◦ complaints in the U.S.
worth $3.578 trillion are expected to be mobile breach, as compared to Home Depot ◦ Snapchat ◦ Citi saw the biggest
Group ◦ Adobe ◦ Twitter ◦
globally and will payments 61% in 2013 3 increase in 10 years in
UPS ◦ Staples ◦ Neiman
account for 12.8% of all by 2020 2 2015, with the number
Marcus ◦ Apple ◦ AOL ◦ Uber ◦
retail purchases 1 Wendy’s ◦ Verizon ◦ rising by 41%5.
Lynda.com ◦ Quest
©2017 Mastercard. Proprietary and Confidential
Diagnostic ◦ British Airways
1. Emarketer 2016
2. BI Intelligence Report 2016
3. April 14, 2016 PYMTS “Online Fraud Attack Rates Soar Since October”
4. http://www.informationisbeautiful.net/visualizations/worlds-biggest-data-breaches-hacks
5. July 24, 2016, PYMTS, “Why US Credit Card Fraud Complaints Are On The Rise”
MASTERCARD PAYMENT GATEWAY SERVICES 4
To Succeed at the Front Line in Digital Payments,
Merchants Need to:
> Provide multiple payment channels
> Integrate emerging technology
Merchant > Accept multiple payment brands
> Minimize fraud & reduce risk
> Safeguard sensitive data
©2017 Mastercard. Proprietary and Confidential
> Win global customers
> Meet local requirements
PAYMENT GATEWAY SERVICES 5
What is Mastercard Payment Gateway Services?
Mastercard Payment Gateway Services is a cloud-based outsourced
payment processing platform, offering merchants a set of tools to power and
accelerate their acceptance business and offer stable, robust, compliant and future-proof
processing product with a range of value added services such as fraud screening,
alternative payments processing, PCI management and
access to multiple acquirers across multiple regions through single integration and
©2017 Mastercard. Proprietary and Confidential
single reporting interface.
6
What we do
Payment PCI Fraud Alternative Payment Digital innovation
Processing Management Prevention Methods Enablement
Fast, reliable, and secure Removing sensitive Preventing fraud and Such as Such as
payment technology data from systems lowering risk MasterpassTM MPQR, DSRP
©2017 Mastercard. Proprietary and Confidential
Online Mobile POS Call Center / MOTO Kiosk
Delivering an enhanced and consistent customer experience across all sales channels
Value added services provide a competitive edge
Tokenisation Dynamic Currency Industry Leading Fraud
Aids consumer convenience and Conversion Management
converts sensitive card data into
Allows you to accept payments Identifies fraudulent transactions
secure tokens, reducing the burden
in customer’s domestic/ with precision whilst protecting
of PCI compliance
genuine customers
preferred currency
Expert Industry Research Mobile Innovations Flexible Integration
And Advice • Mobile optimized interfaces Options
Access to the latest consumer data • Mobile SDKs Remove the need for merchants to
insights from one of the largest • Apple Pay, Samsung Pay, handle and store sensitive card data
payment networks worldwide Google Pay yet preserve full control over the
cardholder payment experience
©2017 Mastercard. Proprietary and Confidential
Alternative Payment Methods Dedicated SME Solutions Dedicated Airline Solutions
• Local instant bank transfers Simplify platform offers set of Through integration with leading
• Offline bank transfers plug-and-play features allowing Passenger Service System providers
SMEs to both jumpstart or for Airlines such as Sabre and Amadeus
• Stored value online wallets significantly evolve their online MPGS can now offer seamless
• Non-stored value online wallets presence and ways of accepting payment integration through their
payments reservation and booking engine
OCTOBER 25, 2019 WELCOME TO MPGS
8
Switch- 2- Issuer Model: Authorization
Authorization
Payment Gateway
Services
CONSUMER MERCHANT BANKNET ISSUER
Settlement
Card Not Present
Card Present Draft
Capture
Tokenization File*
Alternative Payments
MPGS is directly connected to the schemes 3DS Authentication
networks . This is the standard flow for many
©2017 Mastercard. Proprietary and Confidential
projects in MEA, North America and Europe. Transaction Reporting
Draft Capture file is sent to the acquirer with the
list of transactions Fraud Management
* Airline data can be included in the Dynamic Currency
authorization request and the DCF file to be sent Conversion
by the acquirer in clearing
Domestic Schemes ACQUIRER
OCTOBER 25, 2019 WELCOME TO MPGS 8
Switch- 2- Issuer Model: Processing through Multiple Acquirers (example diagram)
Authorization
Payment Gateway
Services
CONSUMER MERCHANT BANKNET ISSUER
Settlement
DCF DCF DCF DCF
©2017 Mastercard. Proprietary and Confidential
250+ Connected
ACQUIRER A ACQUIRER B ACQUIRER C Acquirers
UK KENYA UAE Worldwide
OCTOBER 25, 2019 8
WELCOME TO MPGS
Mastercard Payment Gateway Services
Value Added Services
©2017 Mastercard. Proprietary and Confidential
11
Value Added Services: Gatekeeper Fraud Management Tool
Unique Features
Behavioral analytics Device ID
We analyze pre-purchase behaviors for a fully We also create a profile
informed assessment around each transaction. 1
around your customers
based on the device they are
2 using.
Unrivaled rules
technology Negative data-sharing
Hundreds of business and velocity rules, specific 3
to the industry, payment type and bespoke to
community
your business can be applied to over 150 data We share and source fraudulent
fields. 4 customer and payment method
information from around the world
to enhance authorization decisions
Confidence indexing 5 and alert wider business and
©2017 Mastercard. Proprietary and Confidential
By leveraging vast amounts of historical banking communities of known
transaction data within the industry to statistically fraudsters
score an account, card or transaction’s degree of
positivity or negativity
JUNE 1, 2017 12
Value Added Services: Gatekeeper Data Flow
Fraud and risk screening to fit your merchant’s business needs.
Transactions flagged for
Transaction sent for fraud review are sent either to in-
Customer places order screening pre or post auth house or outsourced teams
Customer Merchant Gatekeeper Review Queue
Accept / Reject / Refer
Payment Security Real-time screening with relevant processing model to fit business needs:
Services are applied:
Order confirmed/ • Check against good & bad lists • Validation checks
rejected with customer • 3D Secure
• Complex velocity & information checks • Verification checks
through merchant • AVS
• Transaction Profiling
• Card Security Code
©2017 Mastercard. Proprietary and Confidential
A Fraud Prevention solution must consist of multiple layers of protection as fraudsters have access to data and technology to be able to penetrate at
least one of those layers
Technologies such as machine learning and transaction profiling are key to preventing fraud and maximising sales
GATEKEEPER SERVICES | PRIVATE & CONFIDENTIAL 13
Value Added Services: Gatekeeper Interface
Risk Score
(configurable)
Additional
Validation
Services
Searchable Payment
Screening Results
Fields
©2017 Mastercard. Proprietary and Confidential
14
Value Added Services: Alternative Payment Methods
Coverage and Roadmap
Supported APMs Roadmap
Global
China Brazil
Saudi Arabia Australia
Austria
Global **
Global
Germany Switzerland Thailand
EU
Mexico
India
Global Singapore Global
Poland Russia
Global **
©2017 Mastercard. Proprietary and Confidential
Global Global Brazil Belgium
Germany
Netherlands
UK
Russia
Global NetBanking
Global Portugal India
**Samsung Pay & Google Pay with Payment Token Decryption 15
Value Added Services: Tokenization
• Secure storage for sensitive Random
cardholder data 16 digit number starting with 9
Passes mod 10 check
• Card data is encrypted and stored
on MasterCard PCI certified
platform
• Supports a variety of token 6:4 preserving
formats Masked card number
Not a valid card number (does not pass mod 10 check)
• Option for unique token or
unique card number
• Multiple token creation methods Merchant defined
supported Must not be a valid card number
Examples:
• Token vaults can be shared across
©2017 Mastercard. Proprietary and Confidential
• Customer account number
Merchant IDs • Frequent flyer number
• MPGS allows for bulk token • Existing token from another system
migration/creation/deletion
OCTOBER 25, 2019 16
Value Added Services: Service APIs
Batch API Reporting API
• Allows the merchant to automate the • The reporting API is available to merchants as well as
processing of large batches of transactions acquirers
• Merchant can monitor batch status via the API • Allows the merchant to retrieve tailored reports via the API
• Merchant can request a response file with the • Can assist the merchant to automate back-office processes
result of each transaction
• Batch can use tokenised card numbers
• Full online documentation
Boarding API
• Batches can also be submitted manually via the
Merchant Admin portal • Ability to change, update settings for all or number of
merchants using
• Batches can be also used to migrate merchants
• Allows for automated boarding from any 3rs party system
©2017 Mastercard. Proprietary and Confidential
with Card-On-File from other gateways
or for mass migration
OCTOBER 25, 2019 17
Mastercard Payment Gateway Services
Merchant Features
Flexible Integration Options
Delivering a simple and seamless checkout which prevents basket abandonment
Hosted Checkout & LightBox Multitude of Code Samples
The cardholder is redirected to the Gateway to enter card details. The payment Codes samples are available for download in
page can be bank branded, and can be presented as a lightbox over the PHP, C#, Java, Ruby, Node.js, dotNet
merchant’s web page. Simplest PCI requirement for the merchant.
Hosted session
Shopping Cart Integrations
The cardholder stays on the merchant’s website, but cardholder data does not
touch the merchant’s systems. This provides an enhanced customer experience for merchants who built their shops
and better merchant control, without increasing the merchant’s PCI with the support of the shopping cart
requirements.
Direct API Virtual terminal Ready made Software
For merchants who want to maintain for processing of Development Kit (SDK) for mobiles
full control of the cardholder manual card SDKs are available for iOS and Android
experience, and are able to meet full transactions e.g. call platforms
PCI compliance requirements. centre
Payment Interfaces: Hosted Checkout and Lightbox (WEB- mobile)
©2017 Mastercard. Proprietary and Confidential
OCTOBER 25, 2019 20
Payment Interfaces: Hosted Session - Harvey Norman (AUS)
Branding Fully controlled by the
Merchant
Merchant’s URL
©2017 Mastercard. Proprietary and Confidential
IFrame imbedded in the page to
collect the card sensitive data
OCTOBER 25, 2019 21
Mastercard Payment Gateway Services
Merchant Portal
©2017 Mastercard. Proprietary and Confidential
22
Merchant Admin Portal
Dashboard
• Provides a high level overview of all
transactions showing any peaks or
dips worth investigating
• Shows income, transactions count
and approval rate at a glance
• Can be displayed by day, week,
month or year, in the currency of
your choice
• Can be filtered to show approved ,
declined or void transactions only
• Display by value or by count
©2017 Mastercard. Proprietary and Confidential
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Merchant Admin Portal
Search
• Omnibox window to search by
customer name, payment reference
number, card number, amount
• Various filters including time range,
order status, payment method, risk
score
• Results can be downloaded in CSV
format, by selecting relevant fields
• Detailed view of each transaction is
available
• User can check the status, capture
the transaction or set up a manual
refund
©2017 Mastercard. Proprietary and Confidential
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Merchant Admin
Portal Transaction
details
©2017 Mastercard. Proprietary and Confidential
WELCOME TO MPGS 25
Board merchants quickly and easily
The merchant management portal
enables you to:
• Create New Merchant IDs and Board
Merchants
• Configure Features
SERVICES
• Enable Acquirer Links
• Report on Usage
©2017 Mastercard. Proprietary and Confidential
Merchant Boarding API enables
automation for system-to-system
integrations.
Get full access to your data and merchant configuration through
Merchant Administration Portal
• Virtual Terminal
• Transaction Searching & Reporting
• Dashboard
• Omnibox Search
• Settlement Summary & Reporting
• Transaction Management
• Batch Processing
©2017 Mastercard. Proprietary and Confidential
• User Account Administration
Get Full Visibility And Control: Merchant Setup (extract from the setup
sequence)
Purchase indicate 1 stage transaction that
requires no additional confirmation
Auth then Capture is a 2 stage transaction that
requires subsequent confirmation or
cancellation call
Would allow merchant to see full card numbers
Blocks merchant from submitting full card numbers through API
Blocks merchant from submitting full card numbers through UI, blocks
Virtual Terminal
Get Full Visibility And Control: Transaction Monitoring
Full Visibility And Control: Transaction Filtering
Key Benefits We Offer
Expand into new markets with Safety, Security, Reliability and Stability
confidence Delivers reliable and available infrastructure with 3 regional
by utilizing a gateway that reduces the complexity of data centers (US, AP,EU), in a dual site disaster recovery
entering new markets from all perspectives: product, deployment
localization features, and bank connectivity, as well Leverages integrated security controls, including encryption
as fraud and risk management. and tokenization to secure data in motion or at rest.
MPGS offers 99.95% uptime.
Single Solution Integration
Multiple ways to integrate for your merchants, Pre- Minimize fraud while protecting genuine
existing integration with Amadeus and Sabre - single customers
integration to Mastercard’s gateway to leverage: without compromising the speed or efficiency of the
• Card payment processing checkout process, through sophisticated fraud-prevention
• Alternatives and digital payments tools.
• Tokenization Stay competitive with easy access to the latest innovations,
• 3D Secure expert industry knowledge, and data-driven insights.
©2017 Mastercard. Proprietary and Confidential
• Risk screening and many more
Leverage Our Investment in Infrastructure &
Offer a superior customer journey Innovation
with a single consolidated payments Stay ahead of the curve with the innovations and value added
platform across multiple sales channels services that your customers will want
and technologies, and features that offer improved
convenience to consumers.
Trusted by thousands of leading brands in the Middle East and Africa
©2017 Mastercard. Proprietary and Confidential
Our Proposition
Control Your Payment Acceptance
Deliver the features your customers want by utilizing
Mastercard Payment Gateway Services white label solution
Merchant
You worked hard to nurture your customer relationships.
Don’t let someone else into the equation. Offer cutting
edge, digital payment and fraud management
White label payment gateway
technology without the development or maintenance
costs with the Payment Gateway Services white label Hosted Built for Leading fraud
protection & data
solution. technology
platform
white label
model security
Our products, solutions and support functions are Global Global Value
designed as a white label solution. That means even partner acquirer added
support network services
when your customers are accessing our services, the only
name they ever see is yours.
©2017 Mastercard. Proprietary and Confidential
Merchant Merchant Merchant
MASTERCARD PAYMENT GATEWAY SERVICES 34
The flexibility to grow with your business
Mastercard Payment Gateway Services offers a number of value
added services to expand your offering as you develop and grow
your business
Dynamic routing options
White Label platform for the group
Ability to choose the payment method and
Ability to brand the gateway as per group entities
acquiring bank partner of your choice
Tokenization for Single Click checkout
Omni-Channel platform
Aids consumer convenience and converts sensitive
Flexible Integration Options, Remove the need for
card data into secure tokens, reducing the burden
merchants to handle and store sensitive card data
of PCI compliance
Dynamic Currency Conversion Mobile Optimized Interface
Allows merchants to accept payments in customer’s Enjoy a consistent experience across multiple
domestic / preferred currency platforms and devices
©2017 Mastercard. Proprietary and Confidential
Mobile SDKs
Apple Pay & Samsung Pay & Google Pay
Faster speed to market
New markets and new payment methods
MASTERCARD PAYMENT GATEWAY SERVICES 35
Thank You
October 25, 2019
