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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”
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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.
PLATFORM PAYMENT MODELSABOUT AMARYLLIS PARTNERS APPENDIXMODULES
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The Most Complete Payment Solution for Complex Payment Models (CPM)
PLATFORM PAYMENT MODELSABOUT AMARYLLIS PARTNERS APPENDIXMODULES
• 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
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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.
PLATFORM PAYMENT MODELSABOUT AMARYLLIS PARTNERS APPENDIXMODULES
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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
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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.
PLATFORM PAYMENT MODELSABOUT AMARYLLIS
No other provider in the space can make this statement!
PARTNERS APPENDIXMODULES
7
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
$ € £
$ € £
PLATFORM PAYMENT MODELSABOUT AMARYLLIS
CPMs
PARTNERS APPENDIX
MoR on behalf of 3rd Parties
$ € £Multiple
Buyers
MODULES
8
PLATFORM PAYMENT MODELSABOUT AMARYLLIS PARTNERS APPENDIXMODULES
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
CPMs
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
9
PLATFORM PAYMENT MODELSABOUT AMARYLLIS PARTNERS APPENDIXMODULES
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
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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
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PLATFORM PAYMENT MODELSABOUT AMARYLLIS PARTNERS APPENDIXMODULES
• 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?
12
PLATFORM PAYMENT MODELSABOUT AMARYLLIS PARTNERS APPENDIXMODULES
GO-TO-MARKET
Target Banks, Acquirers, CPMs and related FinTech
Financial Institutions &
Acquirers
PSP / PF / Marketplaces
ISO / Gateways
ISV / VARs
Consulting Firms
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PLATFORM PAYMENT MODELSABOUT AMARYLLIS PARTNERS APPENDIXMODULES
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.
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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
15
? QUESTIONS ?
PLATFORM PAYMENT MODELSABOUT AMARYLLIS PARTNERS APPENDIXMODULES
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APPENDIX
PLATFORM PAYMENT MODELSABOUT AMARYLLIS PARTNERS APPENDIXMODULES
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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.
PLATFORM PAYMENT MODELSABOUT AMARYLLIS
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
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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
19
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
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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
PLATFORM PAYMENT MODELSABOUT AMARYLLIS PARTNERS APPENDIX
Ultimate flexibility to choose the optimal processing relationships and lower transaction costs.
MODULES
21
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.
PLATFORM PAYMENT MODELSABOUT AMARYLLIS PARTNERS APPENDIX
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,
ISO, Marketplace and other models).
Transaction Processing
MODULES
22
PLATFORM PAYMENT MODELSABOUT AMARYLLIS PARTNERS APPENDIX
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,
ISO, Marketplace and other models).
MODULES
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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
PLATFORM PAYMENT MODELSABOUT AMARYLLIS PARTNERS APPENDIX
Create unlimited billing agreements or tailor a specific agreement for each of your business verticals.
MODULES
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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
PLATFORM PAYMENT MODELSABOUT AMARYLLIS PARTNERS APPENDIX
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.
MODULES
25
PLATFORM PAYMENT MODELSABOUT AMARYLLIS PARTNERS APPENDIX
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.
Multiple Processing
Models
MultipleFees
MODULES
26
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.
PLATFORM PAYMENT MODELSABOUT AMARYLLIS PARTNERS APPENDIX
Instill confidence across all of your potential Risk & Compliance stakeholders.
MODULES
27
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
PLATFORM PAYMENT MODELSABOUT AMARYLLIS PARTNERS APPENDIX
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
28
PLATFORM PAYMENT MODELSABOUT AMARYLLIS PARTNERS APPENDIX
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
29
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
PLATFORM PAYMENT MODELSABOUT AMARYLLIS PARTNERS APPENDIX
Reduce the heavy lifting of your reconciliation team with automation!
MODULES
30
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
PLATFORM PAYMENT MODELSABOUT AMARYLLIS PARTNERS APPENDIX
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
31
PLATFORM PAYMENT MODELSABOUT AMARYLLIS PARTNERS APPENDIX
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
32
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.
PLATFORM PAYMENT MODELSABOUT AMARYLLIS PARTNERS APPENDIX
The market is full of limited payout options.
Amaryllis enables CPMs with unlimited payout options!
MODULES
33
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
PLATFORM PAYMENT MODELSABOUT AMARYLLIS PARTNERS APPENDIX
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
34
PLATFORM PAYMENT MODELSABOUT AMARYLLIS PARTNERS APPENDIX
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
35
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
PLATFORM PAYMENT MODELSABOUT AMARYLLIS PARTNERS APPENDIX
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.
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Real-time Dashboards
• Transactions by Acquirers
• Payout funding for all verticals
• Reconciliation status
• Payment by country
PLATFORM PAYMENT MODELSABOUT AMARYLLIS PARTNERS APPENDIX
Reporting & Analytics
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
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.
37
PLATFORM PAYMENT MODELSABOUT AMARYLLIS PARTNERS APPENDIX
Reporting & Analytics
Detailed Transaction Reporting
Access to All Data Points
Report Configurations
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.