TWINT SIX as your acquirer

Transcription

1 TWINT SIX as your acquirer More than a payment solution. First name Name Zurich, September 2018

2 Agenda TWINT what is it? Payment solutions Added values with TWINT

3 Agenda TWINT what is it?

4 Network Retailers Users Acquirers Issuers + 59 other

5 Review and Outlook (new functionalities) 2017 Q Merger Paymit/ TWINT App launches: UBS TWINT ZKB TWINT PostFinance TWINT Raiffeisen TWINT Credit Suisse TWINT BCV TWINT TWINT Prepaid Functionalities: QRC at terminal Q1 Funktionalität: Refund QRC at terminal Functionalities : QRC for mprime (replaces TWINT retailer app) Web-to-app switch App-to-app switch (Datatrans) Alias payments (User on File) QRC for vending Q3 Functionalities: VAS at terminal (loyality) Q4 Functionalities: VAS at terminal (couponing) 2016/

6 Overview TWINT issuer and TWINT user 65 Swiss banks Registered users 45% Unaided awareness

7 Overview TWINT merchants over Acceptance points TRX/month

8 What TWINT can do Online / app Unattended points of sale E-commerce M-commerce Vending machines Static QR code Attended points of sale Value added services Terminals Beacon Coupons Stamp cards Loyalty cards Person to person Peer-to-peer

9 The advantages for you with TWINT Payment with smartphones POS E-/M-commerce Vending machines Replaces cash Between private individuals Where cashless payment has not been possible up until now More than a payment solution Store loyalty cards Precisely position and evaluate campaigns Stamp cards with minimal effort The banks' solution Needs-oriented Open Direct linking of the bank account and stored Swiss credit card Bank security standards TWINT knows the needs of users, retailers and banks Independent of conditions at the point of sale TWINT can continually develop new solutions All users, retailers and banks can participate For ios and Android

10 Agenda Payment solutions

11 Overview payment E-Commerce Terminal Beacon Vending machine Prerequisites Online shop Integration with PSP or plugin Terminal with a display screen POS integration Acquisition of beacon Connection with host Online/offline (users) Online Online Online Offline/Online Added values Yes, coupon (entry code) Yes (cash back) Yes (cash back & product for POS integration) Customer cards Yes (cash back) USPs No typing in payment data Faster check-out than with traditional methods Use existing terminal infrastructure Offline capability Added value capability Use existing infrastructure No terminal required

12 E-Commerce Who is it for? For all retailers with an online shop Characteristics Integration via PSP Integration via plugin Payment in e-commerce with TWINT can be offered with the PSP or a plugin. On check-out, the customer selects the "TWINT" payment method and is then presented with a screen with the QR code and a numeric code (in case they are unable to scan the QR code - because, for example, they are using the smartphone). The customer does not have to enter any payment information. Amount of work/expense involved Integration in PSP or plugin installation Prerequisites PSP has implemented TWINT Plugin available Check-out process substantially simplified Lowest cancellation rate compared to other payment methods Customer not required to provide payment data Advantages Strong market acceptance within a short period of time Very high adaption rate for TWINT payments Added value capability

13 Process E-Commerce 1 Trigger payment Customer selects the "TWINT" payment method. Screen displays a QR code and a code. 2 Scan Customer scans QR code/types in code into the app. 3 ok Payment and confirmati on Customer confirms the amount in the app. Payment is confirmed on the computer screen and in the app.

14 Terminal With this solution, you can pay with TWINT at existing terminals. The technology is a QR code and also works independently of POS systems. Who is it for? For all retailers with existing terminals Stationary and mobile terminals Versions POS-integrated Independent Mobile Amount of work/expense involved Integration into cash-register software may be required Sales staff training Prerequisites Terminal able to display QR- Code Existing infrastructure is used Simple activation by acquirer Advantages Including without POS system

15 Process Terminal 1 Trigger payment Cashier authorises payment when presented with the final amount and selects EFTPOS payment method. 2 Scan The TWINT QR code is displayed on the terminal. Customer scans the QR code. 3 ok 4 Payment Customer sees the amount and confirms the amount in the app (depending on settings). Confirmati on The sales process is completed by the POS, and a receipt is printed. The customer receives confirmation in the app.

16 Beacon A beacon is an enabling device with Bluetooth technology. It ensures that customers can also pay when there is no or only poor wireless coverage. A beacon is integrated into the existing POS system. The customer holds the smartphone next to the Beacon and thereby triggers payment in the TWINT app. Who is it for? Large retailers with high frequencies Stores with no or limited wireless coverage e.g. retail trade, staff restaurant Amount of work/expense involved Integration into POS software Acquisition costs - Beacon On-site Beacon installation Sales staff training Versions Desk model (with stand) Wall model (with wall sticker for fixed mounting) Wireless (from Q3/2017) Prerequisites Modern POS system POS integrator must implement TWINT POS must be connected to the network (SIM card, WLAN, LAN) Offline capability Added value capability No terminal required Advantages Payment process at the POS optimised with loyalty cards and other added values

17 Process Beacon 1 Linking Customer holds smartphone next to the beacon and thereby triggers payment in the TWINT app. This identifies and links the retailer and the POS. 2 Discount query The POS then automatically checks for digital coupons and loyalty cards, and calculates the final amount. 3 Payment ok The cashier authorises payment with the "TWINT" payment method. The customer sees amount and confirms payment in the app (depending on settings). 4 Confirmati on The sales process is completed by the POS, and a receipt is printed. The customer receives confirmation in the app.

18 Vending machines No coins required to pay at vending machines with a QR code. Select from a variety of solutions. Whether on the integrated payment terminal, beacon payment, as a QR code on a display or as a static QR code on a vending machine. Who is it for? For all unattended POS vending machines Perfect for the following sectors: parking, petrol, self-service, transportation Amount of work/expense involved Integration into software Terminal/Beacon connection Sales staff training Versions available Vending payment terminal Beacon QR code on display screen Static QR code Requirements Depends on integration versions Flexible choice of solution Direct vending machine integration No terminal required Advantages No hardware adjustment Potential added value

19 Overview of vending machine solutions Payment terminal Beacon Self-service QR code QR code on display Requirements Vending machine with terminal that has display capabilities Vending machine with network connection Vending machine with network connection Display with imaging capabilities Vending machine with network connection Integration Integrated into existing terminal infrastructure No hardware adjustment Direct integration into vending machines No integration Direct integration into vending machine software On-/Offline Online Offline Online Online Potential for added value Yes Yes Yes Yes USPs Use existing infrastructure Very reliable, since it is capable of working offline Potential for added value No terminal required No infrastructure required No terminal required Use existing infrastructure No terminal required

20 Agenda Added values with TWINT

21 Overview added values Loyalty cards Stamp cards Coupons Requirements Existing loyalty programs and customer cards Retailers with TWINT payment solution Retailers with TWINT payment solution Aim Customer retention Sales increase Customer retention Sales increase New customer acquisition POS POS POS Application Vending machines Vending machines Vending machines E-commerce E-commerce E-commerce (enter code) Available from Immediately Immediately Immediately (at terminals starting end fourth quarter 2018) USPs Automatic consideration accelerates payment process Low creation effort Cannot be forgotten Target group-specific campaigns Easy to create, manage and evaluate

22 Further information about TWINT

23 Many thanks! Seite 23 Payment Services 9/7/2018

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