subject: Safer Epayment - Interview With Expercash [print this page] Learn in an interview with Andr Boeder more on the topic.
Please describe your solution in three sentences?
From e-payment, on risk management to complete accounts receivable management, we support Internet retailers with their entire financial supply chain management, also for sales abroad.
With ExperCash online retailers have only one partner who takes care of all their processes online payments from AZ. Also for the PCI certification, we provide our dealers.
What are the highlights of your solution?
Our dealers appreciate the variety of payment options, we offer them a hand. In particular, the large number of country-specific payment methods. For now, if you want to gain customers in other countries, is to offer familiar payment methods for buyers an important confidence building measure.
The variety of payment methods are complemented perfectly with a very sophisticated risk management system so that it is for our dealers and economically for buyers popular, but risky for the merchant to offer payment methods. Our risk management consists of several components: address validation, credit check, scoring, fraud prevention and revocation list management.
What pricing models do you offer?
We offer different packages, adapted to the different needs of online stores at. Our packages are designed to grow with flexible with the needs of our customers.
Our starter package is eBASIC. If a retailer's customers to pay by credit card, MoneyBookers sofortberweisung.de possible, we take care of the acceptance of contracts at the best possible conditions and handle the transactions for these types of payment completely. Everything from one source. eBASIC is to have as little as 15 monthly fee. Fees are added for the establishment and for deals and discounts, the payment method varies.
How many people are concerned with the development of the solution?
Worldwide, about 300 employees in the companies operate. More than 30 of them deal constantly with the development of services.
Is there already interfaces to shop solution?
We provide interfaces to all standard shop systems, including for popular open source systems. Here is a selection of our available plugins: ePages, Magento, osCommerce, OXID xt: Commerce, plentyMarkets, xanario. Shop for other systems, contact us.
What role does the issue of security in your solution?
Security is important to us as a provider of payment services, of course, great. Therefore, we preferieren the technical connection to our system iFrame technology. This solution offers maximum data security.
In the iFrame integration of the payment solution in an online store, the security-related data in a number of so-called "inline frame" entered in the shop, but technically transferred directly to our servers. Thus, all the benefits of popup / redirect, and API integration combined: the embedding and the use of CSS, the customer must leave the online store and will remain within the usual CI. This type of integration is also preferiert due to the low implementation effort from our customers.
At the same time no security-critical payment data is processed on the computers of the online retailer, which saves an expensive own PCI certification. In order to reduce theft and abuse share with credit cards VISA and MasterCard and for more data security. For a uniform approach to implementing safety requirements, VISA and MasterCard have agreed on a common standard: the "Payment Card Industry (PCI) Data Security Standard.
The PCI card is valid for the entire industry and store calls for organizational and technical security certification for all stores, credit card information.
Non-certified companies can be held liable in case of data theft for the damage. Traders, the iframe or popup ExperCash the technology need not be expensive to get PCI certified through, but only a process with eleven questions. Thus, traders save 2,000 depending on size or more per year.
In addition, thus eliminating the extensive external and internal PCI implementation expenses, and regular compliance checks. The precondition is that all card transactions are handled exclusively through the iFrame ExperCash. About the serious consequences of failure to comply with the requirements our customers have to make an iFrame on the settlement ExperCash not worry.
Payment Service Provider
ExperCash also is certified for years by Visa or MasterCard for the 3-D Secure technology. With 3-D Secure online transactions are authenticated. This means extra protection for card verification and provides the trader in part, a payment guarantee.
Thus ensuring pay the two credit card companies use this technology for added security. The fraud risk and loss of payments by card abuse are significantly reduced. Dealers who use our services can easily provide their customers with secure payment via 3-D Secure.
If you already have an international?
Yes, we already offer our dealers for years, international and country-specific payment methods. With operations in France, Great Britain, Italy, the Netherlands and Spain, we support our customers in their expansion plans.
The range of popular and creates on the target market needs, types of payment at online stores confidence, especially for foreign customers, thus increasing sales. Online retailers benefit from our years of experience in cross-border payments. With ExperCash borders are not boundaries to expand.
What are your strengths?
Our strength is our advice. We do not see ourselves as a pure pay-off, but after our customers with our personal customer service. We make no standardized offers, but consult the online retailer, which package with which our e-payment services in the areas of risk management and credit management fits exactly to their needs. And if the online business grows and prospers our dealers, then grow with our solutions.
This consulting expertise coupled with ongoing technological developments, particularly for more and more security in the ePayment ExperCash draw from the market.
What are you working on?
We are currently working on a fraud prevention solution for retailers of all sizes. Currently, the existing solutions are often complex and uneconomical for small traders. With our new platform, which will be applicable from October 2010, we can meet the small and medium-sized to large corporations all the needs in the area of fraud prevention.
Also individual rule sets are possible. There is also a special web interface for manual review of transactions, if desired by the dealer. Save With our new platform, traders not only money but also time.
Andre Boeder of ExperCash
Epayment Service Provider
Tell us your career?
Since my youth I am independent in IT and eCommerce to the early work. Meanwhile I was at SAP AG, Walldorf. Before, I had already gained experience in Bank projects. Together with a colleague from the SAP in 2002 with the idea for a payment service provider.
Where to inform themselves about online shopping?
If time remains some time flipping through the Internet World Business and e-commerce magazine. Otherwise, I've subscribed to many newsletters special payment from the U.S. and the rest of the world. The forums and blogs I have not, unfortunately, most the time.
