Exabytes eCommerce Conference 2014 Introducing of Online Payment for eCommerce Merchant by Raj Lorenz (GHL Systems)

1. the ASEAN Payment People
eCommerce Conference 2014
Raj Lorenz, Group CEO, GHL Systems Berhad
www.e-ghl.com

2. the ASEAN Payment People
Agenda
1. Background
 The company
 2 types of merchant acquisition
 Buyer Values
2. eGHL Gateway
 Key Features
3. Customer Experience & Conclusion

3. the ASEAN Payment People
Company Background
 GHL ePayments Sdn Bhd (“eGHL”) is wholly owned by GHL Systems
Berhad (“GHL”), a leading payment service provider in ASEAN.
 GHL is a public company listed in the Main Board of Kuala Lumpur
Stock Exchange (KLSE) of Malaysia since 2007.
 Providing online processing services since 2003, eGHL was
established in March 2013.
 Also operates in Philippines and Thailand through its subsidiaries –
eGHL TH and eGHL PH
 eGHL is governed under Malaysia’s Financial Services Act 2013.
www.e-ghl.com
Offers two 2 merchant acquiring models – a)
G-Direct and b) Bank-Direct.

4. the ASEAN Payment People
2 Types of Merchant Acquiring Relationship
Payment Flow
Connectivity
Merchant
Issuing Bank
Shoppers
Acquiring
Bank
Payment Facilitator Merchant
Issuing Bank
Shoppers
Acquiring
Bank
Payment Processor
Bank-DirectG-Direct
Mostly Larger
Merchants
Mostly Smaller
Merchants
GHL acts as
Third Party
Acquirer
GHL acts as a
Processor

5. the ASEAN Payment People
Larger Merchants (Verticals)
Vertical Segment
Key Buyer Values:
1) Hygiene Factors
 Load
 High Availability & DRC
 PCI-DSS
2) Need heavy customisation
3) Expect superior product
Functionality
4) Cost savings
eGHL’s Value Proposition
1) We guarantee hygiene factors
2) We have the resources to
customise for large Co’s – e.g.
AirAsia, FireFly
3) Best in Class Functionality
4) Auto-switching for on-us rates.
Direct acquirer for FPX
Typically, these are Bank-Direct customers for credit card processing
and G-Direct for non-credit card processing

6. the ASEAN Payment People
Larger Merchants (Verticals)
Vertical Segment
Primary Focus:
1) Selling Regionally & looking
for Non-Credit Card products
overseas
2) 20% to 30% from mobile
sales
3) Cost Saves
eGHL Value Proposition
1) Connected to eNETS, Thai, etc.
We immunise merchant from
FX fluctuations
2) One-click functionality for
mobile payments
3) On-us regional switching

7. the ASEAN Payment People
Smaller Merchants (Horizontals)
Horizontal Segment
Key Buyer Values:
1) Quick & easy set-up
2) Affordable pricing
3) Some improvement in
Product Functionality
eGHL Value Proposition
1) 7 day approval promise
2) Priced below PayPal and
equivalent to iPay88
3) Benefit from applicable
features developed for
verticals. e.g. FX module,
one-click
The eGHL Advantage: Faster approval, reasonably priced , better functionality.

8. the ASEAN Payment People
Agenda
1. Background
 The company
 2 types of merchant acquisition
 Buyer Values
2. eGHL Gateway
 Key Features

9. the ASEAN Payment People
• A proprietary payment system
developed and operated since
2003 by GHL for processing
internet payment transactions.
• PCI DSS Compliant
Introduction to the eGHL Gateway

10. the ASEAN Payment People
Key Features
Multi-payment channel
Real-time Reporting (mobile friendly)
User Management with audit trail
Hosted payment page (mobile friendly)
Robust Fraud Prevention system
Friendly API with re-query function
High-end Infrastructure DR, Security

11. the ASEAN Payment People
Multi-Payment Channel
And more…
#Besides supporting Malaysia’s local payment options, eGHL also supports
local payment options for other countries, including Thailand, Singapore,
Australia, New Zealand, China, Middle East & North Africa Region, etc.
FXManager
Merchant
Thailand
Philippines

12. the ASEAN Payment People
 Merchant portal allows users to access
consolidated reports online, at anytime
from any device for:-
- Transactional reports
- Settlement report
- Chargeback report
- Sales statistics
- Refund report, etc.
 Multiple users access with audit trails.
 Report can be exported into .CSV file.
 Mobile view friendly (uses responsive design)
 Customizable at merchant level.
Real-Time Reporting

13. the ASEAN Payment People
 With our Bank-Direct solution, the merchant can
choose one of several ways to implement the
payment page:
• Standard hosted payment page
• Customized hosted payment page
• Your own payment page*
 Using eGHL Hosted Payment Page saves the
merchant from incurring PCI DSS compliance costs.
*Note:
1. Parameters passing through server to server method.
2. ASV Scan is required for this option to comply with PCI Data Security
Standard.
Hosted Payment Page
www.e-ghl.com

14. the ASEAN Payment People
www.e-ghl.com
Hosted Payment Page - Standard
*Standard *Using iframe

15. the ASEAN Payment People
 eGHL customises the hosted
payment page to make the
page’s look and feel similar
to the Merchant’s website.
Hosted Payment Page - Customised

16. the ASEAN Payment People
 Customer enters card
details at the Merchant’s
own payment page
 Server to sever integration
required for this option.
 Quarterly ASV Scan is
required to comply with PCI
Data Security Standard as
the Merchant is capturing
card details.
Own Payment Page

17. the ASEAN Payment People
 eGHL has built its own fraud prevention tools to help merchants identify
fraudulent transactions.
 eGHL also provides professional consultation in fraud & risk
management to merchants.
Robust Fraud Prevention System
Incoming
Online
Transactions
Frauds Frauds Frauds
Pre-Authorization
• Transaction filtering
• Blacklist database
• Order velocity
monitoring
• Customer order
history check
• Transaction limit
• BIN related check
• Etc.
Authorization
• Payer
authentication
(3D Secure)
Post-
Authorization
• Fraud Scoring
• Fraud
monitoring
• Manual review
• 3D result
reference
Genuine
Transactions

18. the ASEAN Payment People
 Friendly API for easy integration
 Major shopping carts in the country already integrated with
eGHL payment page
 Payment plugins also built for open source shopping carts
Easy To Integrate

19. the ASEAN Payment People
Why eGHL
Well established company
24x7 merchant support
High scalability, stability and processing capability
3rd-party fraud scanning service + fraud monitoring service
PCI DSS 2.0 compliance
Comprehensive payment channels
www.e-ghl.com

20. the ASEAN Payment People
Presentation by Raj Lorenz
Group CEO
GHL Systems Berhad