TRANSFORMING THE PAYFLOW
GATEWAY
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2
AGENDA
• Review of Payflow gateway
• Preview of upcoming changes
• Merchant impact
• Partner impact
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All-in-one payment processing
Use PayPal to accept and process credit cards and PayPal payments
Payment gateways
Use PayPal’s gateway and the business’s own merchant account to process credit cards and PayPal payment methods.
Accept alternate payment methods
Add PayPal as a payment method
PayPal PAYMENT PRODUCTS
Business needs PayPal products that meet these needs PayPal PAYMENTS • STANDARD • ADVANCED • PRO PAYFLOW LINK PAYFLOW PRO EXPRESS CHECKOUT
PAYFLOW TODAY
Payflow Link
(hosted solution)
• Merchants can accept credit cards, debit cards, echecks and PayPal
• Merchants can customize their checkout page using one of three
available templates
• PayPal hosts the checkout pages, helping merchants simplify PCI
compliance at no additional cost
Payflow Pro
• Merchants can accept credit cards, debit cards, echecks and PayPal
• Merchants host their own checkout pages for complete control of the
payment experience
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OPTIONAL PAYFLOW ADD-ONS
Add levels of fraud protection
Basic Fraud Protection is available at no additional cost. Merchants can also add-on Advanced Fraud Protection to target specific threats to their business.
Set up recurring payments
The Recurring Billing Service lets businesses automatically debit a customer’s credit card or PayPal account for
subscriptions, membership dues, or installment payments.
Enable buyer authentication
PayPal supports the Verified By Visa and MasterCard SecureCode programs, providing merchants protection on qualified Visa and MasterCard transactions. Merchants can add this extra security measure to their basic or advanced fraud protection service.
PREVIEW OF PAYFLOW
CHANGES
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GATEWAY PRICING CHANGES
EFFECTIVE 10/1/12
New Published Gateway Rates:
-
The newest version of Payflow Link:
•
No set-up fees•
No monthly fees•
Only 10 cents per transaction-
Payflow Pro will be available at:
•
Reduced set-up fees•
Reduced monthly fees•
Only 10 cents pertransaction
*Note - New pricing is applicable to U.S. Market only, and is effective on new acquisitions occurring on or after 10/1/12.
BASIC FRAUD PROTECTION
NOW FREE
Effective 10/1/12, Basic Fraud Protection will be included
free of charge within Payflow Link and Pro products.
This pricing will apply to new merchant acquisitions.
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GATEWAY PRICING CHANGES
EFFECTIVE 10/1/12
PAYFLOW LINK
MOBILE-OPTIMIZED CHECKOUT
•
PayPal is developing a
mobile-optimized checkout experience
for Payflow Link.
•
Mobile optimization will go live
within the newest version of
Payflow Link on 9/25/12
.
•
Mobile-optimized checkouts
are proven to increase mobile
conversion rates, improving
merchant sales.
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PAYFLOW LINK
EMBEDDED I-FRAME NOW AVAILABLE
I-FRAME TEMPLATE AVAILABLE WITHIN NEWEST VERSION OF PAYFLOW LINK
Benefits
• Enables greater design
customization of the checkout page within a hosted
environment
• Simplifies PCI compliance for the merchant
• Provides both PayPal and Bill Me Later® as payment options, improving conversions and
WHAT IS BILL ME LATER
®?
•
Bill Me Later® is a PayPal service•
A fast, simple and secure way for consumers to make an online purchase without using a credit card.•
By simply selecting “Bill Me Later®” on the check-out screen, and if approved,consumers can make a purchase now, and receive a bill later.
•
It’s a great way to ease online purchasing hurdles and make online shopping easier than ever•
Merchants get paid right awayBill Me
Later
®gives
customers
more
payment
choices and
flexibility
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• Bill Me Later® is now available to any merchant utilizing hosted checkout templates, including the i-frame, within the Payflow gateway.
• Promotional Financing Available!
•
Marketing a single promotional financing offer to consumers•
The offer: No payments + No interest if paid in full in 6 months on purchases of $99 or more•
No credit risk for the merchant• Upstream Presentment – Coming soon in Q4
•
Message Bill Me Later® financing on the home page and product page to drive consumer awareness while shopping•
Banners will be provided and hosted by PayPal14
BILL ME LATER – GIVING CUSTOMERS
MORE PAYMENT CHOICE AND FLEXIBILITY
BILL ME LATER
®INCREASES SPENDING AND
REPEAT SALES
In a 3-month period, the Bill Me Later customer spends about 25% more than the average US population*
Merchants have experienced double-digit increases in repeat sales after implementing Bill Me Later
Build repeat sales and customer loyalty while attracting new customers
Average order value increases can grow 100-250% for higher-ticket items and 15-135% for lower-ticket items
Bill Me Later
motivates
savvy
customers to
spend more,
more often
8%
Increase 2010-20117%
IncreaseConfidential and Proprietary
*Study conducted in 2011 by comScore on 15 IR100 retailers.
**There are 113 million active PayPal accounts. Active accounts are those that have had activity in the past 12 months.
CONVERT WITH EXPRESS CHECKOUT
Process payment Confirm basket Add shipping costs Input payment data Input delivery address data Input buyer address data Input ID info Complete
Typically six or more data fields and lots of keystrokes
One or two data fields and two clicks
Standard Checkout vs. Express Checkout Flow
STANDARD CHECKOUT EXPRESS CHECKOUT Review payment Log in to PayPal Complete
PayPal has over 113 million buyers who look for the
PayPal way to pay.**
comScore found that PayPal Express Checkout
conversion was 115% higher than standard
PAYFLOW FEATURE COMPARISON
Payflow Link Payflow Pro
Optional Pro can utilize the hosted templates No 3 templates, including embedded i-frame Yes Yes Auto-Enabled Available Optional Available with hosted
templates
Pre-integrated with leading shopping carts? Yes Yes
Simplified PCI compliance? Yes Yes*
Accepts card swipe retail transactions? Yes Yes
Includes Virtual Terminal? Yes Yes
Works with many payment processors? 23 23
Multi-currency processing? Supports 22 Currencies Supports 22 Currencies
Yes Yes
International merchant support? PayPal hosted checkout?
Unlimited customization of online checkout pages?
Includes Express Checkout and Bill Me Later?
Yes
Yes
Mobile-optimized checkout? Yes
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PARTNER IMPACT
GATEWAY PRICING CHANGES
EFFECTIVE 10/1/12
New Published Gateway Rates:
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GATEWAY PRICING CHANGES
EFFECTIVE 10/1/12
New Partner Rates for Payflow Add-On Services:
BASIC FRAUD WILL BECOME PART OF OUR STANDARD GATEWAY OFFERING AND WILL NO LONGER BE CONSIDERED AN ADD-ON
PARTNER BENEFITS
Robust gateway functionality
New wholesale and referral models now available for the gateway. New rates are applicable to merchants acquired on or after 10/1/12.
Revenue share models are now available for Express Checkout and BML.
•
Deliver innovative payment methods to your merchants, improving conversion rates and increasing sales.•
Improve your organization’s bottom line in partnership with PayPal.Key Points
- New pricing models are only applicable to partners offering the newest version of Payflow Link.
- Organizations must be part of the PayPal Partner Program to be eligible for revenue share on Express Checkout and Bill Me Later®.
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WHAT YOU NEED TO DO
WHAT YOU NEED TO DO
Product
FOR THE YOU WILL NEED TO …
Make sure you are offering the latest version of Payflow Link.
Revenue Share If you haven’t already done so, join the Program so you’re eligible for revenue share on Express PayPal Partner Checkout and Bill Me Later®. You may learn more at
www.paypal.com/partnerprogram.
Contracts • Once you’ve opted-in to the new rates, PayPal will initiate a contract amendment.
• Once the contract has been finalized, you can acquire new merchants using the new pricing structure on or
Pricing Changes
• Contact your Relationship Manager or Account Manager to opt-in.
• Don’t have a Relationship Manager or Account Manager? Contact one of our Associate Account Managers at 888-729-7254 and enter PIN #507.
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THE PAYFLOW GATEWAY
TOP 5 THINGS TO REMEMBER
• Payflow is the only gateway that helps your
merchants drive incremental sales with Express
Checkout and Bill Me Later®.
• Payflow Link – No set-up fees or monthly fees, only
10 cents per transaction
• PCI compliance is available for both Link and Pro at
no additional charge.
• Mobile-optimized checkout will be available in late
September for Payflow Link, improving mobile conversion rates.
• Competitive reseller and referral rates are now
available for Payflow. Revenue share models are also being offered on Express Checkout and Bill Me
