Fiserv Gateway Overview

Fiserv Gateway

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 Fiserv Gateway
solution overview
Today’s consumers have come to expect retailers to cater to their shopping pattern preferences, enabling them to research
and securely purchase anywhere, any time and on any device. Fiserv Gateway aligns to the problem oriented capabilities a
merchant would need if they are looking to either start or grow their eCommerce business.

Integration/Shopping Cart Access & VAS Geographic Reach

› Merchant Need – Ease of › Merchant Need – Multiple › Merchant Need – Want to
integration, multiple integration transaction types and attract and serve international
options and shopping cart enhanced offering customers
support › FG – Various transactions › FG – Extensive support for
› Fiserv Gateway – Quick and supported like Sale, Void, Pre- Multicurrency and ease of
easy integration with Hosted Auth, Post-Auth, Return, Credit transaction through DCC
Payments Page and APIs, and many more
Integration also supports
various shopping carts

Payments Security & Fraud Reporting & Analytics

› Merchant Need – Facilitate › Merchant Need – Card data to › Merchant Need – Transaction
multiple payment acceptance be secured, protect my reporting, advanced analytics &
across form factors business from Fraud and anywhere access
› FG – Offers multiple schemes enhanced support › FG - From a merchant portal
(Local & International), › FG – Offers Tokenisation, 3D hosted on cloud access real
supports Web and Mobile secure and various gateway time reports with interactive
payments level security control, enhanced graphs & charts anywhere
chargeback support

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Fiserv Gateway History To Date & Future Plans

Fiserv Gateway setup Robinsons Bank

in Fiserv’s German (The Philippines)
datacentres to serve Argentina
the European market China
North America
Bank of Scotland BofAML MS Europe
BNL Positivity (Italy) RBSG (TYL)
Merchant Services SIA (formerly Hellas
launched on Fiserv SIA (formerly CEE)
(U.K.) Attica (Greece))
Gateway CITIC (Hong Kong)
BidVest (South Africa) Mexico

2001 2007 2008 2009 2013 2014 2015 2016 2017 2018 2019

Fiserv Gateway TeleCash (Germany) AIB Merchant Austria GMA Korea

developed to service begin selling Fiserv Services (Ireland) ConCardis (Germany) MEA Uruguay
US market Gateway to merchants UK Bancoop (Brazil) Hong Kong First Global Bank
as an NSP alongside ICICI (India) Malaysia (Jamaica)
various acquirers ABN AMRO/EMS (NL) Singapore Bancolombia
(Concardis, B&S, Lloyds Cardnet (U.K) SIA (formerly SEE) (Colombia)
Deutsche EVO) Australia Central America/ Banco General
Caribbean (Azul) (Panama)
ICS (U.K.)

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A Global Payment Gateway
Fiserv Gateway operates 4 regional instances with a common code base

Fiserv Gateway Global

No branching per region | One function superset | Activation of functionality on Distribution System level

App Source Code App Server Setup Database Schema Application Data

EMEA APAC LATAM (x2) North America

Primary site: Frankfurt, Germany Primary site: Mumbai, India Primary site: Hortolandia, Brazil & Primary site: Omaha, Nebraska
Secondary site: Frankfurt, Germany (8 Secondary site: Chennai, India Parque Patricios, Argentina Secondary site: Chandler, Arizona
miles apart) Secondary site: Tutoia, Brazil & Peru
Serving Businesses in India, Singapore, St., Argentina Serving Businesses in the United States
Serving Businesses in Austria, Germany, Malaysia, Hong Kong, China, Korea and
Greece, Ireland, Italy, Netherlands, Serbia, the Philippines Serving Businesses in Argentina, Brazil,
Slovakia, South Africa, U.K., U.A.E., and Colombia, Dominican Republic, Jamaica,
Australia Mexico and Uruguay

One common code base globally

Merchant and transaction data held in region

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 Fiserv Gateway: Feature rich and
meets your online payment needs

Mail and Mobile

Telephone Orders Optimised eCommerce Apps IVR

-Ways to access
Fiserv Gateway-
Interfaces

Payment
Virtual Terminal Pages APIs
Fiserv Gateway

Tokenisation Recurring Payments Invoice Payments

Features

Multicurrency Fraud Prevention DCC

Email Notifications Real-time Reporting Convenience Fee

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 Introducing
Fiserv Gateway
Using an Internet connection, Fiserv Gateway empowers merchants to accept payments via the web,
telephone, mail or in person. 100% hosted solution that takes away the IT burden

Advanced Processing Customer Experience Fraud Prevention

› Multi-merchant/multi-location › Merchant branding › Fiserv Gateway is a PCI-compliant gateway
processing capabilities › Multiple payment options › Offers Gateway Hosted Page
› Multicurrency Processing › Mobile optimised page › It also supports the tokenization and
› Dynamic Currency Conversion › Gateway switching facility encryption to transactions
› Pay by email › 1-Click checkout › Other security features include fraud and
› Online Instalments › velocity controls e.g. 3D Secure
›
Advanced reporting capabilities
› Convenience Fee Various gateway level security features
› Zero $ authentication
› InApp Payments

7
› Mobile wallets

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 Interface options to set up
Fiserv Gateway

Hosted Checkout Web Service API

› Interface for secure payment data capture › Easy, direct integration with website
› Hosted checkout allows for multiple › The API option allows third-party applications
customisable, merchant-branded payment to process transactions
pages and rapid integration into your website
› This provides a seamless customer experience
› Multi-currency and multi-language features are and offers platform independence and
also supported for foreign customers transaction security
› No need for merchant to go for PCI Certification › Merchant need to be PCI Certified

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 Fiserv hosted payment page

› Quick and easy integration with 3rd party plugins available for all major shopping carts
› Optimised for mobile devices with a responsive web design
› Secure payment page hosted by Fiserv Gateway is customisable

Benefits › Maintain consistent brand and customer experience

› Automatically receive and send email receipts and notifications of transactions

Three main ways you can integrate your website with Fiserv Gateway:
› Hosted payment page – redirect from your website to Fiserv Gateway hosted
payment page
› iFrame – control your customer experience by rendering your own payment page with
our hosted payment form embedded within in. Minimise your PCI scope by sending
sensitive payment data directly to Fiserv Gateway through the iFrame
How does
› Direct Post – control your customer experience by rendering your own payment page
it work? and minimise your PCI scope by sending sensitive payment data directly to Fiserv
Gateway

› SSL-encryption included for Fiserv hosted payment page

› Customise the hosted payment page with your own logo, fonts and colour scheme, to
match your branding and preview the page before publishing it

More Info › Customers can pay with most major card types

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 Fiserv Gateway SOAP APIs

› Simple and easy integration using established XML protocols, supported by a detailed
integration guide outlining XML schemas, and sample code to assist developers
› Secure transactions, with two factor authentication – username and password, plus
SSL encryption
› Have full control over your business processes and payment pages
Benefits › Access special functionality such as deleting tokenised card records, modifying
recurring payments and more
› Maximum flexibility with Web Services sending and receiving SOAP messages

› Your application, site or system builds a SOAP request message encoding

your transaction
› Your systems will receive SOAP response messages in real-time with
authorisation results
How does In this way, your application is able to submit payment transactions without any
user interference
it work?

› Use in combination with the Connect payment page solution for subsequent
transactions without cardholder involvement
› Technology agnostic (e.g. J2EE, Microsoft .NET, Ajax, etc.)
More Info › ‘Payment Provider API’ Interface available to easily board 3rd party PSPs

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RESTful APIs & Developer Portal
REST, or REpresentational State Transfer, is an architectural style for providing standards between computer
systems on the web.

Fiserv Gateway’s RESTful API provides a single point of entry for merchants and partners to integrate Payment and
Authentication Services across Fiserv product suites. It provides a comprehensive and easy-to-integrate RESTful API
construct and object models that are industry standard.
The new RESTful API is available for merchants to try out and consume the APIs in their websites or mobile apps

Features ready for merchants to use:

− Core requests for Sale, Completion, Void, Return, etc.
− International Cards (e.g. Visa, MC, Amex), Alipay, SOFORT ,
iDEAL, SEPA DD, PayPal, etc.
− Tokenisation & Scheduled recurring payments
− Payment URL
− Stored Credential Support

The new Developer Portal has been deployed and gateway-

related online documentation including a beta version of the
RESTful API documentation can be found here:
http://docs.firstdata.com/org/gateway

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 Fiserv Gateway card tokenisation
and Data Vault
Original
› Potentially reduce or › Improve your customers’ › Securely store your Transaction
simplify PCI DSS compliance experience as you will be customers’ sensitive
requirements as you won’t able to offer ‘1-Click’ details
need to store sensitive data payment to speed up
Benefits on your own systems the payment process
Send:
Token ID/HostedDataID
AN101D
Card Number
› Using Connect or API, your › We convert the cardholder › Any time you want to 4334 XXXX XXXX 7889
site sends Fiserv Gateway the details into tokens and process a transaction
card details, with a unique store them in our Data against a particular
token ID (e.g. customer ID) Vault. That card number stored card, you only
How does you wish to associate with and token is mapped to need to use the unique
it work? that card unique token ID you provide token ID
Subsequent
Transaction
› You will only ever see your › You can: store or update › You can assign more
nominated Token ID, the payment info when performing than one Token ID to
brand, expiry date and last a transaction, store payment a single card. This is Send:
four digits of the stored card. information from an approved useful for membership Token ID/
We do all the work of matching transaction, initiate payment scenarios where one HostedDataID
More Info up your Token ID with the token transactions using stored data, card may be used for AN101D
and card details we’ve stored store payment information multiple family members
without performing a transaction

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 Stop fraudsters, not shoppers
Fraud Prevention Tools

› 3-D Secure 1.0 (Visa, MasterCard SecureCode,

American Express Safekey, and JCB J/Secure)
integrated into the Hosted Payments Page and
supported through the API

› 3-D Secure 2.0 - 2.1 integrated into the Hosted

Payments Page and supported through the API

› Security Code (CVV) checking supported

› Minimum 128-bit encryption on communications

› Data Vault multi-pay tokens

› Real-time fraud tools which allow the merchant to

add black and white-lists, block cards, cardholder
names, IP addresses and set maximum purchase
limits

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 Virtual Terminal
& Online Portal

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 Virtual Terminal –
Simple way to accept payments from customers over the phone or mail

› Start accepting payments › Manage different levels of

immediately- there is no set up permissions, including
or technical knowledge required restricting transaction capability
› Quickly process orders where and › No costly set up required
Benefits when you want, including setting up
automatically recurring payments

› Simply login to the Virtual Terminal from your customer and process
web portal from your personal a payment quickly and securely
computer to take payment details
How does
it work?

› Premium security is seamlessly built › Access online real-time reporting,

into our Virtual Terminal processing with administration and customisation
Secure Socket Layer (SSL) protection capabilities
› Data fields can be added or removed › Support for a integrated product
More Info and set to be mandatory or optional and services catalogue of up
to 200 items

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 Virtual Terminal – MOTO payments
› Take payments faster, with prefilled
prices and shipping costs
› Reduce manual entry errors and
improve consistency with a
Benefits standardised product catalogue to
select from

› Access the › Save your product catalogue

customisation tab
› From Virtual Terminal page,
› Add items you sell into you can select items from the
the product catalogue product catalogue to pre-fill
How does › Assign pricing, shipping
the virtual terminal fields
and proceed with payment
it work? costs, descriptions
as normal

› You can add in additional set a weight option and have

options on top of your choices of 100g, 200g, etc.
product catalogue items. For You can set another option
example, one of your items of container colour and have
More Info may be Green Tea. You can choices of Silver, Blue, etc.

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 Email notifications - for merchant and
cardholders
› Improve your customers’ › Keep on top of any purchases
experience by providing them through your site by receiving
with an emailed receipt of emails every time a payment
successful or unsuccessful is made successfully
Benefits transactions

In Virtual Terminal, › Indicate which email address you

you can: want the emails to be sent from
› Select whether to send › Configure when and for what
out notification emails events you want to send out or
How does or not receive a notification via email
it work?

› You can also modify header and footer

text in the emails to your customers

More Info

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 Integrated real time reporting:
Access rich transaction data to help manage your reconciliation and administrative processes

› Access 24/7 from any internet transactions made for you

enabled device as the reporting
solution is web based
› Comprehensive search facility
across all historical data allows you
› Easy to use, with dashboards, to resolve any customer issues
Benefits graphs and charts of your quickly and effectively

Key reports include: summary of approved and/or

› Dashboard- displays
declined Auth and Sale transactions
by card type
summary of card sales
› Transactions- search for
› Active Periodic Bills—shows
information about recurring
How does transactions using a variety
transactions you have set up and
it work? of parameters
allows you to modify them.
› Transaction Summary- displays

› All reports downloadable › You can manage Data Vault

in CSV/Excel format customers through reporting facility

More Info

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 Integrated fraud prevention

› Reduce risk of fraudulent › Flexibility and control

transactions on your facility over your fraud rules
› Reduce risk of chargebacks
Benefits

In Virtual Terminal, you certain timeframes

have the option to set up
and manage:
› Country profiles which
allow cards from only
› Maximum purchase certain countries or block
amount cards from particular
How does
› Lock out times that
countries
it work? don’t allow cards to be › Blocking corporate or non
processed within corporate cards

› You can also specify cards, block if you know they have
cardholder names, domain committed fraud against you
names or IP addresses to before
More Info

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 Value Added Services

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 Payment URL

› Your customers can pay you online

using any device, at their
convenience
› Great for B2B payments – send
invoices and payment URLs to your
› Get paid sooner by offering your business customers
customers the option to pay by card
and shrinking your receivables “Net
Benefits D” days. Your customers won’t mind-
they have their 30-55 days interest
free on their credit card.

› You may opt to send the link via an › You can generate URL via the
emailed invoice, as a button Virtual terminal or API
or just URL, via SMS, embedded in a
QR code on a physical invoice or
How does emailed invoice – the possibilities
it work? are endless!

Includes: through the Web Service API.

› Ability to generate a Payment URL › A hosted payment page where the
through the Virtual Terminal, customer can make the payment
following the standard payment
process.
› A hosted result page that tells the
More Info customer if the payment was
› Ability to request a Payment URL successful or not

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 All major Shopping carts integrated –
40+ in total

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Fraud Detect
Tokenization

is available in LATAM Card Verification Value (CVV)

Velocity Checks

3D Secure 2.0

White Lists/Black Lists

Rules

Device Fingerprinting

Machine Learning

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 How Fraud Detect® works

Merchant’s
Fraud Team

Configuration
review

First Data’s
Fraud Services
Native iOS or Android Browser

“Accept” or
Fraud
“Reject”
score
recommendation
Event Augmentation Automation

› Payment › Third party › Analytics

“Review”
transactions integrations › Machine learning
recommendation
› Configured rules
Merchant’s
Fraud Team

Recomm.
Chargebacks
Review

First Data’s
Fraud Services

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 Thank You!

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