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A Guide For Navigating An E-Commerce Business Acquiring-2

This document provides an overview of navigating an e-commerce acquiring business. It discusses the fundamentals of acquiring including the roles of acquirers and processors in the payment ecosystem. It also outlines the key areas of an acquiring business strategy, including infrastructure, operations, risk management, and best practices. The document aims to guide participants on the various aspects of operating an e-commerce acquiring business.

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Darmawan Susilo
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84 views43 pages

A Guide For Navigating An E-Commerce Business Acquiring-2

This document provides an overview of navigating an e-commerce acquiring business. It discusses the fundamentals of acquiring including the roles of acquirers and processors in the payment ecosystem. It also outlines the key areas of an acquiring business strategy, including infrastructure, operations, risk management, and best practices. The document aims to guide participants on the various aspects of operating an e-commerce acquiring business.

Uploaded by

Darmawan Susilo
Copyright
© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
Available Formats
Download as PDF, TXT or read online on Scribd
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A guide for navigating an

E-Commerce Acquiring Business

Thank You
RISKA RIANY GUSANTHY - 27 OCT 2022
Participant Introductory

N ame

C ompany

P osition, year of service

E xperience in Acquiring Busines,


year of service

Agenda
•🟠 🟡

•🟢 🔵

🟠 Acquiring Business Fundamental


Role of Acquirer
Acquirer Acquirer Processor
• Signs contract with merchant • Drive Cards Acceptance volume through various
channels (i.e. E-Commerce, M-Commerce, POS, etc.)
• Responsible for merchant fraud and risk
• Manages relationships with Visa/MasterCard • Authorize and capture transactions
and issuers • Route to schemes
• Settlement and merchant support • Clear and settle
• Exception process handling
• Manage merchant files, provide merchant
accounting, ease merchants’ operational processes
for payments acceptance, support in acceptance
enhancements

🟠 Acquiring Business Fundamentals


Payment Ecosystem : The four-operating model
In closed loop payment systems – e.g. American Express, BCA Card – The issuer, acquirer, and
network are one and the same

Acquirer

Card
🟠 Acquiring Business Fundamental
Extending the payment ecosystem
Payment Facilitators (Payment Service Providers) provide enabling services to both acquirers and merchants

card
🟠 Acquiring Business Fundamentals
Transaction Flow
How electronic payment works
🟠 Acquiring Business Fundamentals
IRF and MDR

MDR = Merchant Discount Rate


(also known as MSF/Merchant
Service Fee)

IRF = Interchange

Exploring Interchange
Agenda
•🟠 🟡

•🟢 🔵

🟡 Acquirer Framework
Global Framework for Acquirers
Agenda
•🟠 🟡

•🟢 🔵

🟢 E-Commerce Acquiring Business Strategy


Five Focused Areas of an Acquiring Business
🟢 E-Commerce Acquiring Business Strategy
Strategy and Pro tability

fi
🟢 E-Commerce Acquiring Business Strategy
Sales and Marketing
Building an Acquiring Strategy Acquirer Propositions
🟢 E-Commerce Acquiring Business Strategy
E-Commerce infrastructure
Building a Digital Payments Network
Evolution of Commerce
🟢 E-Commerce
E-Commerce Acquiring
Acquiring Business
Business StrategyStrategy
PRINCIPALS NE

E-Commerce infrastructure
Authentication CNP
🟢 E-Commerce Acquiring Business Strategy
Acquirer Operations

network card schemes


🟢 E-Commerce Acquiring Business Strategy
Customer Service
Merchant Acquiring Training
🟢 E-Commerce Acquiring Business Strategy
Merchant Services
🟢 E-Commerce Acquiring Business Strategy
Merchant Portal - Typical Functions
🟢 E-Commerce Acquiring Business Strategy
Risk and Compliance
🟢 E-Commerce Acquiring Business Strategy
Balancing Risk versus Reward
🟢 E-Commerce Acquiring Business Strategy
Fraud Risk Management
Introduction Acquiring Risk Management
🟢 E-Commerce Acquiring Business Strategy
Fraud Risk Management
🟢 E-Commerce Acquiring Business Strategy
🟢 E-Commerce Acquiring Business Strategy
Agenda
•🟠 🟡

•🟢 🔵

🔵 E-Commerce Acquiring Best Practices


Acquirer Value Chain

Integration
🔵 E-Commerce Acquiring Best Practices
Acquirer Operating Structure

Integration
3D-Secure 2.0
A Day In The Life of VisaNet
Thank You

Thank You

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