Espago bank Transfers, Premiere 25.04.2013 (en)
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This document discusses payment options and services in Poland. It describes the most popular payment method of bank transfers in Poland and features of PayByLink services, including commissions of around 2%. The document also introduces Espago Transfers, a payment service that provides real-time notifications of payments, automatically fills bank transfer information, and integrates transactions for some banks with a 1% commission fee. Espago Transfers aims to improve processes for sellers and the economy by eliminating unnecessary intermediaries in transactions.
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Espago bank Transfers, Premiere 25.04.2013 (en)
- 1. Wrocaw 2013 Confidential, property of PSP Polska. Espago Bank Tranfers Premiere, 25.04.2013
- 2. Competences and Base Wrocaw 2013 Confidential, property of PSP Polska. Market Leader of Innovation 2012
- 3. 1. Sell a lot with good margin 2. Provide comfort for the buyer 3. Quickly get the money 4. Automate internal processes related to the settlement of payments What does the seller want from payment methods? Wrocaw 2013 Confidential, property of PSP Polska.
- 4. Each country is different Wrocaw 2013 Confidential, property of PSP Polska. Poland Great Britain4 Germany Study on the payment preferences in the world published by theWorldPay http://www.worldpay.com/corporate/index.php?page=campaign-2011-download&c=UK
- 5. Wrocaw 2013 Confidential, property of PSP Polska. Polish the most popular e-commerce solution for bank transfers So-called PayByLinki the following options: automatic semi-automatic PayByNet (KIR S.A.)
- 6. Wrocaw 2013 Confidential, property of PSP Polska. Common features of PayByLink in Poland: 1. Bank transfer to the middleman account (Intermediary assumes account its bank account at any bank) * 2. Confirmation of the transaction in real time (Only when the transfer within the bank are in real time). Not all banks keep an account of 7/24 3.The commission of about 2% or more (The automatic pay-by-links banks account for most of the commission) 4. Easier for the buyer: Auto-filling of bank transfer (not all Pay-By-Links feature automatically auto-fill the bank transfer) * n/a KIR S.A.
- 7. Development of interbank system in Poland Wrocaw 2013 Confidential, property of PSP Polska. Sybir >>> Elixir >>> Realtime Immediate transfer on a large scale this year www.onet.pl, 12.04.2013
- 8. Wrocaw 2013 Confidential, property of PSP Polska. How long does the Bank Transfer in Poland? The average waiting time 4 hours 25 minutes Outgoing Bank Time of Departure Incoming Bank Time of Arrival waiting time* CITI Bank 12:32 BZWBK 17:17 4,5 Multibank 12:22 BZWBK 17:07 4,5 Multibank 14:05 BZWBK 11:32 7,5 CITI Bank 14:08 BZWBK 17:21 3,0 Paribas 13:54 BZWBK 17:19 4,0 Paribas business 13:37 BZWBK 17:19 4,0 Multibank 10:25 BZWBK 17:05 6,5 CITI Bank 10:23 BZWBK 15:10 4,5 Paribas 10:33 BZWBK 15:09 4,5 Multibank 22:50 BZWBK 11:10 3,0 CITI Bank 22:50 BZWBK 11:15 3,0 Paribas 22:50 BZWBK 11:15 3,0 * Assumed working time of e-commerce from 08:00 to 18:00* Assumed working time of e-commerce from 08:00 to 18:00* Assumed working time of e-commerce from 08:00 to 18:00* Assumed working time of e-commerce from 08:00 to 18:00
- 9. What payment service the seller buys? Wrocaw 2013 Confidential, property of PSP Polska. 1. Seller is informed that the buyer has paid in real time (Without any system seller learns about the payment the latest the next morning - for many e-commere a few hours in the evening or at night is not critical) Espago transfers indicates that the transaction is carried out in real time. 2. Easier for the buyer: Auto-filling bank transfer (Customers like to automate, do not abandon the transaction, it is a real benefit to the seller) Espago Transfers Transfer automates the filling bank transfer. 3. Automatic payment reconciliation (bank with the shop transaction). (Exisiting systems provide information on the bank account of the middleman) Espago Transfers integrates and reconciles transactions for some banks.
- 10. Espago Tranfers Wrocaw 2013 Confidential, property of PSP Polska. Espago Tranfer applet auto fills the buyers bank transfer automatically for accounts in 23 Polish banks We improve the processes for the seller: We give notice of completion of the transaction in real- time and allow integration with some banks Direct bank transfer to the account of the seller
- 11. Espago Transfers - Economics Wrocaw 2013 Confidential, property of PSP Polska. The cost of a commission of 1% Reducing costs of the e-economy and e-commerce Elimination of unnecessary interme-diaries The benefits for the economy at the macro level Dissemination of non-cash transactions in the economy
- 12. Wrocaw 2013 Confidential, property of PSP Polska. We offer We provide a uniform API with a solution consisting hereby: processing payment cards (VISA, MasterCard, JCB, Amex) Automatic Recurring Payments Espago Tranfers PayByNet
- 13. How we earn? Wrocaw 2013 Confidential, property of PSP Polska. The commission - a percentage of each transaction (as a provider of solutions) The partnership programs (cross selling solutions) We are competitive
- 14. Thank you for your attention and welcome to do business with us! Sales: Tomasz Skotarek tel. +48 790 727 273, t.skotarek@espago.com Marketing: Agnieszka Gonczar, tel. + 48 793 977 776, a.gonczar@espago.com Business Development: Krzysztof Lis FCCA, tel. +48 791 834 784, k.lis@psp-polska.pl www.espago.com Wrocaw 2013 Confidential, property of PSP Polska.