The document discusses the transition from traditional fragmented payment landscapes with siloed solutions to new omni-channel payment models. It outlines the traditional model with separate acquirer contracts and integrations for each payment channel and country. The new model aims to provide global, seamless, tokenized payments across channels with a single platform to accept payments wherever customers shop. It provides scenarios of how omni-channel payments can work and the challenges companies face in operations, user experience, and payments across sales channels that a unified platform could address. Adyen is presented as a company providing a single global platform to enable omni-channel payments.
4. Silos and legacy payment
solutions lead to
Lack of functionality,
Lack of flexibility
Lack of innovation,
Difficulty to assess costs
Prevents focus on:
Omni-channel customer journeys
Shopper based payments
Shopper experience
14. 1 merchant
30 countries
2 payment
channels
50 acquirer
contracts
35 front-end
integrations
20 types of
hardware
40 backend
integrations
High complexity for international
active merchants
30. What is sold Who pays (optional) How is paid When is charged
Know shopper better (value)
Faster payout journey (costs)
Better experience (convenience)
The four components of a payment transaction
31. Register
Link card to shopper
Recognize
Link basket to shopper
Checkout
Authorize
Deliver
Capture
The four steps of a shopper-based payment
33. Shopper registers online, registers card
Register card
Card is charged when
Goods are shipped.
Visit the
store
Product not
in store
Sales assistant finds product
online. Shopper enters
email and and pays in store.
1. Shopper uses link to open
app or enter his card
details
2. Shopper enters email,
registers card via zero-
auth, and receives invoice
by e-mail
Card is charged when
Goods are shipped.
Scenario 1: Endless aisle
47. Scenario 8: Cross-Channel Refund
Visit the store to return goodsShopper shops online and pays Retrieves transaction by
inserting card and refund
partially if good is missing
48. Customer present Customer not present
Card present POS Tokenized payments
Card not present Tokenized payments Ecommerce
New approach to payments
49.
50. Omni-Channel
Payments challenges
• Several sales channels and partner shops
• Data scattered over various reporting
• Multiple payments flow to reconcile
• PCI compliance management
• Inconsistent customer experience
• Split operations
(Charge back – refunds – D+2/3 settlements)
• Many suppliers across a number of countries
• Fast scaling
51. The vision
Operations
• Get rid of legacy systems
• PCI compliance
• Scaling internationally
• Unified reporting, 360 view of shopper payments data
User Experience
• Unify customer experience across channels and countries
• Cross- channel returns and customer service capabilities
• Omni-channel loyalty programs
• New payment opportunities e.g. Apple Pay
52. Adyen is a leading payments technology company
that provides companies with a single global platform
to accept payments wherever people pay.