Statewide Electronic Commerce Program

SECP 101

Office of the State ControllerFebruary 2018

Three Components of the SECP

Merchant Cards

Electronic Funds Transfer

Inter/Intra Governmental Transfers

Merchant Cards

Partnership between OSC and DST awarded contract to SunTrust Merchant Services

- Effective Date of February 1, 2015- Five year contract with two additional 1 year renewal options

Card Present and Card Not Present solutions- Point of Sale Terminals- Gateway options- Use of 3rd party gateways

Highly competitive processing rates- MasterCard, Visa, Discover, Amex processing rate of $.0185 per transaction

Point of Sale Terminals

Wired with optional pin pad Wireless for

added flexibility

POS Software System

For a complete list of available hardware and prices visit https://files.nc.gov/ncosc/documents/eCommerce/Merchant_Cards/POS%2

0Equipment_Prices%20Aug%202017.pdf

https://files.nc.gov/ncosc/documents/eCommerce/Merchant_Cards/POS%20Equipment_Prices%20Aug%202017.pdf

PayPoint Gateway

• Portal Builder -- Provides the ability to easily create a webpage by utilizing templates

• Electronic Biller Presentment / Transaction Validation --Allows the subscribing agency to update a database containing transactions (e.g., invoices) to accommodate the validation of a payment

• Multiple Payment Options -- Allows the site visitor to select one of two payment options – credit card/PINless debit or ACH bank draft

• Administrative Capabilities – PayPoint provides a robust administrative screen that allows the agency to research payments in real time, record customer service notes, run reports, make payments and issue refunds or partial refunds

Merchant Card Fees

• Pass Through Costs– Interchange rates passed from the card brands (MasterCard,

Visa, Amex, Discover)• Processing Fees

– $.0185 per transaction charged by SunTrust Merchant Services• Gateway Fees

– $.0175 per transaction for Payeezy Gateway– $.08 per transaction for PayPoint card transaction– $.10 per transaction for PayPoint ACH transaction– No startup fees

• Additional Services (optional)– TransArmor (Encryption & Tokenization)– Hosted Recurring Payments

Merchant Cards

Chart1

FY 2011

FY 2012

FY 2013

FY 2014

FY 2015

FY 2016

FY 2017

Merchant Card Transations

10366857

11323908

13459089

15863881

18434532

21504685

23130607

FY11-17

sales# of transaction

FY 2011$756,834,639FY 201110,366,857

FY 2012$814,996,484FY 201211,323,908

FY 2013$879,486,072FY 201313,459,089

FY 2014$1,211,605,132FY 201415,863,881

FY 2015$1,568,507,795FY 201518,434,532

FY 2016$1,840,090,034FY 201621,504,685

FY 2017$2,105,530,661FY 201723,130,607

FY11-17

Merchant Card Transations

FY11-16

State of NC Merchant Card Sales

sales# of transaction

FY 2011$756,834,639FY 201110,366,857

FY 2012$814,996,484FY 201211,323,908

FY 2013$879,486,072FY 201313,459,089

FY 2014$1,211,605,132FY 201415,863,881

FY 2015$1,568,507,795FY 201518,434,532

FY 2016$1,840,090,034FY 201621,504,685

Merchant Card Transations

State of NC Merchant Card Sales

Merchant Cards

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Chart1

FY 2011

FY 2012

FY 2013

FY 2014

FY 2015

FY 2016

FY 2017

State of NC Merchant Card Sales

756834639

814996484

879486072

1211605132

1568507795

1840090034.49

2105530661.01

FY11-17

sales# of transaction

FY 2011$756,834,639FY 201110,366,857

FY 2012$814,996,484FY 201211,323,908

FY 2013$879,486,072FY 201313,459,089

FY 2014$1,211,605,132FY 201415,863,881

FY 2015$1,568,507,795FY 201518,434,532

FY 2016$1,840,090,034FY 201621,504,685

FY 2017$2,105,530,661FY 201723,130,607

FY11-17

Merchant Card Transations

FY11-16

State of NC Merchant Card Sales

sales# of transaction

FY 2011$756,834,639FY 201110,366,857

FY 2012$814,996,484FY 201211,323,908

FY 2013$879,486,072FY 201313,459,089

FY 2014$1,211,605,132FY 201415,863,881

FY 2015$1,568,507,795FY 201518,434,532

FY 2016$1,840,090,034FY 201621,504,685

Merchant Card Transations

State of NC Merchant Card Sales

Electronic Funds Transfer

Partnership between OSC and DST awarded contract to Bank of America

- Effective June 24, 2013- Five year contract with two additional 1 year renewal options

Used for Inbound and Outbound transactions- Payroll- Vendor Payments- Collections- Tax Payments

Funding completed through DST or bank transfer- Bank fees paid by DST for payroll account- No need to worry about having a local branch

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Electronic Funds Transfer

Return Accounts

UPIC (Uniform Payment ID Code)

EDI (Electronic Data Interchange

Amendment 1

Signed Nov 2014

Prepaid Cards

Amendment 2

Signed Jan 2015

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Electronic Funds Transfer

11

Chart1

JanuaryJanuaryJanuaryJanuaryJanuary

FebruaryFebruaryFebruaryFebruaryFebruary

MarchMarchMarchMarchMarch

AprilAprilAprilAprilApril

MayMayMayMayMay

JuneJuneJuneJuneJune

JulyJulyJulyJulyJuly

AugustAugustAugustAugustAugust

SeptemberSeptemberSeptemberSeptemberSeptember

OctoberOctoberOctoberOctoberOctober

NovemberNovemberNovemberNovemberNovember

DecemberDecemberDecemberDecemberDecember

2013

2014

2015

2016

2017

EFT ACH Originated Items

178584

1063863

948081

1058645

1168554

1504573

1025818

1055849

727507

1656671

1800562

1823818

1585525

1763480

1389407

1555141

1086110

1174404

1169738

1215610

964525

1113872

957473

935021

936676

937324

881803

922116

949404

961706

1024003

1016338

1061369

962339

933934

920973

137694

1103871

1008041

986272

1100390

118727

969063

975159

1004045

975845

135361

1120111

1035353

927075

940178

EFT data

JanuaryFebruaryMarchAprilMayJuneJulyAugustSeptemberOctoberNovemberDecemberTotal

2013137,694118,727135,361391,782

2014178,5841,168,554727,5071,585,5251,086,110964,525936,676949,4041,061,3691,103,871969,0631,120,11111,853,313

20151,063,8631,504,5731,656,6711,763,4801,174,4041,113,872937,324961,706962,3391,008,041975,1591,035,35314,158,800

2016948,0811,025,8181,800,5621,389,4071,169,738957,473881,8031,024,003933,934986,2721,004,045927,07513,050,227

20171,058,6451,055,8491,823,8181,555,1411,215,610935,021922,1161,016,338920,9731,100,390975,845940,17813,521,941

EFT data

2013

2014

2015

2016

2017

EFT ACH Originated Items

PCI Compliance

• Contract with Coalfire signed in December 2014 to manage Compliance Validation Service– All MSA participants must be enrolled– Self-Assessment Questionnaire– Vulnerability Scanning

• No Costs for Enrollment in Coalfire

• Non-MSA Participants can enroll in Coalfire Services

For more info, visit http://www.osc.nc.gov/programs/risk_mitigation_pci.html

Or email osc.pcicompliance@osc.nc.gov

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http://www.osc.nc.gov/programs/risk_mitigation_pci.htmlmailto:osc.pcicompliance@osc.nc.gov

Additional Information

Visit OSC SECP

Webpage

• Review Merchant Card and EFT Information at www.osc.nc.gov/SECP

Contact OSC to discuss

• Schedule a meeting to discuss options and best solution

Complete Forms

• All forms completed through DocuSign

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http://www.osc.nc.gov/SECP

Contact Information

Taylor BrumbeloeCentral Compliance Managertaylor.brumbeloe@osc.nc.gov

(919) 707-0667

Courtney MichelleFinancial Specialist

courtney.michelle@osc.nc.gov(919) 707-0659

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mailto:taylor.Brumbeloe@osc.nc.govmailto:amber.young@osc.nc.gov

Statewide Electronic Commerce Program��SECP 101Three Components of the SECPMerchant CardsPoint of Sale TerminalsPayPoint GatewayMerchant Card FeesMerchant CardsMerchant CardsElectronic Funds TransferElectronic Funds TransferElectronic Funds TransferPCI ComplianceAdditional InformationContact Information