Catapult 2019 - Northeast Acquirers Association | Educating the electronic payment ... ·...

Catapult 2019

16 January 2019

PLATFORM PAYMENT MODELSABOUT AMARYLLIS PARTNERS APPENDIXMODULES

“Amaryllis powers Financial Institutions, Acquirers and 3rd Party Payment Companies with a purpose built ‘Software as a Platform’ to

service the full lifecycle needs of any Seller community”

MARKETPLACES

ACQUIRERS

FINANCIAL INSTITUTIONS

PAYMENT FACILITATORS

ISVs & VARs

ISOs & GATEWAYS

Amaryllis makes it easy for 3rd party Complex Payment Models

to rapidly launch and quickly scale their

businesses.

The Most Complete Payment Solution for Complex Payment Models (CPM)

• Software as a Platform

• Solution built from the ground up

• Open API architecture

• Supports numerous complex models serving the needs of the omni-channel economy:

▪ Acquirers/Financial Institutions▪ Payment Facilitators▪ Marketplaces▪ ISOs▪ ISVs/VARs▪ Numerous Others

We allow our customers to do business as they see fit, not force them into a “one size fits all” tool.

ConfigurableModular design allows you to quickly

integrate, configure, and scale efficiently.

Seamless IntegrationAPI-driven solution can integrate to

existing technology systems.

White Label SolutionControl YOUR solution and merchant experience. Your merchants belong to

you and want to feel unique.

Not just a Fintech solution…

Our team is uniquely positioned to be your trusted advisor on “what good looks like” in supporting 3rd party CPMs since we

have experience from multiple sides of the table.

PLATFORM PAYMENT MODELSABOUT AMARYLLIS

No other provider in the space can make this statement!

PARTNERS APPENDIXMODULES

Not just a Fintech solution…

Our Executive and Senior leadership teams have held senior positions with: Acquirers, Card Brands, Consulting Firms, ISOs

and Payment Facilitators in multiple verticals.

No other provider in the space can make this statement!

PARTNERS APPENDIXMODULES

Emerging Solutions Disrupting Traditional Players

Processors/

Acquirers

Card Associations

$ € £

Impact on legacy acquirer business• Reduced revenues• Intense price pressure• No ability to provide Value Added services• Disconnected from marketplace customer

Multiple

Sellers

$ € £

PARTNERS APPENDIX

MoR on behalf of 3rd Parties

$ € £Multiple

Buyers

MODULES

Positive momentum on legacy acquirer business: • Increased revenues• Increased margins• Optimized CPM risk & compliance insight• Stickiness with marketplace customer• Positioned as a significant player in the market

Multiple

Sellers

$ € £

Multiple Buyers

$ € £

Payment Associations

$ € £

Processors/

Acquirers

Data Layer•Merchant Onboarding•Transaction Processing•Splits & Fees•Payouts Management•Buyer Wallet•Compliance & Risk Engine•Monitoring & Reporting

Amaryllis Platform – Acquirer Driven

Positive momentum for CPMs: • Optimized Operational Platform• Increased Pricing flexibility• Improved Acquirer Buy Rate using standard platform• Stickiness with marketplace customer

Multiple

Sellers

$ € £

Multiple Buyers

$ € £

Payment Associations

$ € £

Processors/

Acquirers

CPM Custom Solution +

Amaryllis

Modules •Merchant Onboarding•Transaction Processing•Splits & Fees•Payouts Management•Buyer Wallet•Compliance & Risk Engine•Monitoring & Reporting

Amaryllis Platform – CPM Driven

MERCHANT

ONBOARDING

TRANSACTION

PROCESSINGRECONCILIATION PAYOUTS

RISK &

COMPLIANCEBILLING

Progressive Underwriting

Real Time Account Provisioning

Multiple Accounts Hierarchies

Differential Profiles

Alternative Payment Methods

Acquirer & Gateway Agnostic

Aggregation & Multiple MID

Multiple Splits per sub/account

Unlimited Fees % and Fix

Recurring Billing &Decline recycle

Account-Based Agreements

Activity Monitoring

Configurable Alerts

Seller/Buyer Pairing Fraud Scoring

Unlimited Rights & Roles Definition

End to End Transaction Lifecycle Visibility

Automated Matching

Multi Currency Matching

Multiple Data MatchingMulti Currency

Customizable Payout Plans

Differential Plans by Account

Payout Rules by Split Type

Rolling Reserve & Escrow

Modular Solution to Serve Complex Payment Models

PLATFORM PAYMENT MODELS

Since we are a SaaS Payment Platform, we make your business model the priority,while maximizing your current technology investments

ABOUT AMARYLLIS PARTNERS APPENDIXMODULES

Reporting & Analytics supports all 6 modulesREPORTING

& ANALYTICS

• Stripe Connect

• Global PFac (FD)

• Scoop (Elavon)

• MarketPay (Adyen)

• Infinicept

• NMI

• ProPay

• Pivotal Payments

• WePay (Chase)

Of all the so-called ‘players’ in

the space we are the only

solution:

• Built from the ground up to

specifically address the needs

of 3rd party payment models.

• That is modular to maximize

client existing investments.

• With former executive

experience at 3rd party

payment model organizations.

• GlobalOnePay (nuvei)

• PayVida

• Limonetik

• Payrix (Benchmark)

• Finix

• Vantiv/Litle (Worldpay)

• Paypal

• Acapture (Payvision)

How Unique is our Solution?

GO-TO-MARKET

Target Banks, Acquirers, CPMs and related FinTech

Financial Institutions &

Acquirers

PSP / PF / Marketplaces

ISO / Gateways

ISV / VARs

Consulting Firms

Amaryllis ranks 10 out of 104 in the December 2018 PYMNTS.com

“Payments Powering Platforms” rankings.

Amaryllis Named Top B2B Payments Platform by

PYMNTS.com

About Payments Powering Platforms Tracker™The PYMNTS.com Payments Powering Platforms Tracker™ evaluates payment

providers across five primary criteria: merchant onboarding, payment processing, enablement and value added, risk management and compliance,

and settlement/payouts. The Top 10 rankings are the highest scoring companies.

PLATFORM PAYMENT MODELS

Whether you need a complete, end-to-end payments platform,

or single functionality, our modular design allows you to

implement only what YOU needand how YOU want it.

ABOUT AMARYLLIS PARTNERS APPENDIXMODULES

? QUESTIONS ?

APPENDIX

Merchant OnboardingProgressive onboarding with minimal data, supporting fast growth

while controlling risk and compliance. Basic sub-merchant (Seller) data collected initially, additional information needed as risk profiles dictate.

Best in class CPMs control their Seller’s experience.

• Seller Risk Profiles

• Alert Notifications

• Sub-Merchant (Seller) Onboarding

• AML/KYC Checks

PARTNERS APPENDIX

Our open architecture and full suite of APIs allow CPMs to govern all merchant boarding decisioning.

MODULES

AML/KYC Checks

• Complete underwriting solution.

• Sub-merchants checked against OFAC and mandatory AML/KYC checks.

• Define AML/KYC process and requirements.

Risk Profiles

• Define multiple sub-merchant risk profiles based on risk and compliance requirements.

• Risk profiles include limitations on transaction activity and payout plans.

• Rolling Reserve & Escrow

Sub-Merchant Onboarding

• Create multiple sub-merchant verticals or hierarchies.

• Quickly board sub-merchants.

• Via APIs.

• Collect personal, business, & banking information.

Alert Notifications

• All sub-merchant boarding activity can be tracked.

• Platform defines events, notification process, and reporting requirements.

• Ability to create unique alerts.

PLATFORM PAYMENT MODELSABOUT AMARYLLIS PARTNERS APPENDIX

Progressive onboarding with minimal data, supporting fast growth while controlling risk and compliance. Basic sub-merchant (Seller) data collected initially, additional information needed as risk profiles dictate.

Merchant Onboarding

MODULES

Progressive onboarding with minimal data, supporting fast growth while controlling risk and compliance. Basic sub-merchant (Seller) data collected initially, additional information needed as risk profiles dictate.

Merchant Onboarding

MODULES

Transaction ProcessingAccept any payment method including full support for global alternative payments methods. Currency pricing and conversion enables global e-commerce. Full support for any CPM (Aggregation, Payment Facilitator,

ISO, Marketplace and other models).

The freedom of choice when selecting your processing relationships!

• Alternative Payment Methods

• Acquirer & Gateway Agnostic (smart routing)

• Multiple Processing Models

• Multi-Currency

Ultimate flexibility to choose the optimal processing relationships and lower transaction costs.

MODULES

Alternative Payment Methods

• Full support for global alternative payments methods.

• Single API integration

Multiple Processing Models

• Full support for all CPMs.

• Unique identifier for all Sellers

Acquirer and Gateway Agnostic

• Optimize authorizations with Smart Routing

• Intelligent transaction routing via a single point of integration

Multi-Currency

• Currency pricing and conversion

• Dynamic Currency Conversion (DCC) for global e-commerce.

Accept any payment method including full support for global alternative payments methods. Currency pricing and conversion enables global e-commerce. Full support for any CPM (Aggregation, Payment Facilitator,

Transaction Processing

MODULES

Transaction Processing

Recurring Billing

Multi-Currency

Smart Routing

Accept any payment method including full support for global alternative payments methods. Currency pricing and conversion enables global e-commerce. Full support for any CPM (Aggregation, Payment Facilitator,

MODULES

Billing Comprehensive billing engine supports the creation and

management of multiple billing agreements, enable unlimited splits, and fees configurable at the Seller level. Fees can be calculated as a

percent, fixed amount, or a combination of both.

CPMs typically manage multiple unique business models.

• Extensive Seller Account Management Tools

• Multiple Billing & Invoicing Options

• Numerous Split & Fee Configurations

Create unlimited billing agreements or tailor a specific agreement for each of your business verticals.

MODULES

Splits & Fees

• Create and support unlimited splits and fees types per account

• Configure multiple hierarchy and sub-merchant accounts

• Fees can be calculated as a percent, fixed amount, or a combination of both.

Billing & Invoicing

• Management tools for multiple recurring payments

• Sophisticated decline recycle logic reduces declines

Seller Account Management

• Create, modify, and change each account, including financial information, service plan levels, clearing plans, billing plans, and payouts

MODULES

Multiple Processing

Models

MultipleFees

MODULES

A CPM’s Risk & Compliance is critical!

• Unlimited Rights & Roles Definition

• Fraud Detection & Screening

• Proprietary Alerts & Notifications

• Lower CPM Risk Profile

• Equates to Lower Fees

• Optimal Risk Score

Risk & Compliance Internal and external Risk and Compliance stakeholders need insight

to qualify and quantify Buyer and Seller risk. All stakeholders can have complete access into our system at any time.

Instill confidence across all of your potential Risk & Compliance stakeholders.

MODULES

Fraud Detection & Screening

• Fraud detection engine identifies, manages, and prevents suspicious fraudulent activity

• Rules-based scoring includes an unlimited combination of rules.

• Account ratios provide constant monitoring.

Proprietary Alerts & Notifications

• Configurable alerts based on multiple parameters

• Triggered by transactional and account activities

• Alert notification via email, SMS, and API

Unlimited Rights & Roles Definition

• Allow access to Sellers, Acquirers & Card Associations

• Complete internal controls on user rights and access

Lower CPM Risk Profile

• Risk equates to cost for Acquirers

• A CPM with a lower risk score can negotiate lower fees

Risk & Compliance Internal and external Risk and Compliance stakeholders need insight

to qualify and quantify Buyer and Seller risk. All stakeholders can have complete access into our system at any time.

MODULES

Risk & Compliance

Fraud Detection

& Screening

Rights& Roles

Risk Scoring Engine

Internal and external Risk and Compliance stakeholders need insight to qualify and quantify Buyer and Seller risk. All stakeholders can

have complete access into our system at any time.

MODULES

ReconciliationProvide an automated day-to-day reconciliation with support for

an unlimited number of processors and banking partners.

CPMs need to reduce the time spent on reconciliation.

• Automated Transaction Matching

• Interchange Optimization

• End-to-End Transaction Lifecycle

• Exception Processing Management

Reduce the heavy lifting of your reconciliation team with automation!

MODULES

End-to-End Transaction Lifecycle

• Full transaction visibility from Acquirer to Seller to payout

• Reconciliation for sales, fees and Seller payouts

Automated Transaction Matching

• All transactions are matched based on Seller or Acquirer

• Multi-currency and data matching capabilities

Interchange Optimization

• Reconcile daily interchange by Seller

• Automate Seller billing adjustments

Exception Processing management

• Automated day-to-day reconciliation and monitoring for any exceptions or mismatches

ReconciliationProvide an automated day-to-day reconciliation with support for

an unlimited number of processors and banking partners.

MODULES

Reconciliation

Exception Processing

management

Automated Transaction

Matching

Interchange Optimization

Provide an automated day-to-day reconciliation with support for an unlimited number of processors and banking partners.

MODULES

Ultimate payout flexibilities are a MUST.

• Unlimited Seller Payout Options

• Payment Frequency

• Split Payouts

• Escrow Capabilities

PayoutsManage, approve, and perform payouts in a controlled and

role-based process. Payouts can be configured for automatic processing or manual approvals.

The market is full of limited payout options.

Amaryllis enables CPMs with unlimited payout options!

MODULES

Unlimited Seller Payout Options

• Create and define Seller payouts

• Multiple Seller account DDA funding options supported

• Payout approvals automated or manual

Payment Frequency

• Define payout dates and funding amounts

• Create payout instructions for internal and 3rd party solutions

Escrow Capabilities

• Customized reserve management capabilities based on business needs

• Payouts held in escrow or disbursed on a rolling basis

Split Payouts

• Support for multiparty split payments

• Payouts for dollar amount or percentage or a combination of both

PayoutsManage, approve, and perform payouts in a controlled and

role-based process. Payouts can be configured for automatic processing or manual approvals.

MODULES

Payouts

Payout Control

MultipleFees

Payouts by Sub-Account

Manage, approve, and perform payouts in a controlled and role-based process. Payouts can be configured for automatic

processing or manual approvals.

MODULES

Reporting & Analytics

If a CPM can’t see it, they can’t manage it.

• Real-time Dashboards

• Easy Access to all Data Points

• Unlimited Report Configurations

• Card Association Required Reports

Control all data points and create the reports specific to your business needs.

MODULES

Management dashboard provides end-to-end reporting and analysis with easy access to all payment-related data. Aggregated

and Seller reporting for all transaction data.

Real-time Dashboards

• Transactions by Acquirers

• Payout funding for all verticals

• Reconciliation status

• Payment by country

Access to All Data Points

• Complete access to all transaction data: sales, fees and Seller payout

• Use predefined reports or create reports

Report Configurations

• Full suite of standard reports

• Configure tailored reports based on your business needs

• Access all data via APIs and load in 3rd party systems

Card Association Reports

• Support for all required Card Association reports

• Define report requirements and set email deliver definitions

MODULES

Detailed Transaction Reporting

Access to All Data Points

Report Configurations

MODULES

Catapult 2019 - Northeast Acquirers Association | Educating the electronic payment ... ·...

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