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PayPal Inc. is the biggest online company in the world that providing a transfer and online payment services via email between Consumer to Consumer and Peer to Peer.
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By Roshan Karunarathna
A brief introduction
There Business Methods
Technologies they use
Benefits to users and buyers
Security features
Future with paypal
Contents
Background
PayPal Inc. is the biggest online company in the world that providing a transfer and online payment services via email between Consumer to Consumer and Peer to Peer.
• Established since 1998
• Debut in 1999
• Subsidiary of in 2002
• Head office in San Jose, California, USA
Ways to use PayPal
Pay Online
Shop for what you want quickly and securely
Send Money
Send money to just about anyone with an e-mail address
Get Paid
Accept online payment for items you sell
Symbiotic relationship with eBay• Increases velocity
of trade
• Enhances trust & safety
• Enables innovation• Provides the
aggregation point for small business
• Drives critical mass of buyers & sellers
• Solved counter-party problem
How it Works?
Act as a “middleman” for Customer and Merchant Service.
Account types Personal
Premier
Business
Online purchase personal account is the right choice. Payments for users own business, Premier or
Business account.
How PayPal Works
CHOOSE WHO TO PAY
• Select PayPal when checking out at online stores worldwide.
• Or use PayPal to send money to friends across town or on another continent.
1
DECIDE HOW TO PAY
• Pay directly from your PayPal balance or linked bank account.
• Or charge it to your credit card.
2
PAYMENT SENT
• Stay safer - recipient gets the money without seeing sensitive financial details like your credit card or bank account numbers.
• Keep track of all your transactions on PayPal.
3
Region
Choose your Account
New Account Information
Submit
Enter Your Credit Card
Number
Click Here to Continue
PayPal Helps Bring You New Customers
17
PayPal is:
Secure
Simple
Fast
Drivers of ConsumerDemand for PayPal PayPal Growth
► Over 201M accounts
► 190 countries
► 24 currencies
► 1000s of merchants add PayPal every year
The PayPal Value Proposition
PayPal user accounts
12M
96M201M
2001 2005 20091999
PayPal Provides an All-in-One Solution for Online Merchants
Protecting the security of a merchant’s information is the top priority at PayPal.
Customer’s issuing bank
Merchant’s acquiring bank
CustomerMerchant
Processor
Payment Processing
Service
Secure transactions
Pay with flexibility
Save time
International shopping
PayPal’s Benefit to Buyers
Why PayPal works for buyers
Free to use
Pay anyone with a credit card or bank account: “online wallet”
Fast, secure payment – 1 week → 1 minute
Stores financial information securely to maintains user privacy
Works cross-border eCommerce
P2P/remittances
Importance PP competitiveness
Cost
Convenience
Rewards/loyalty points
Security
Network
Sell with more savvy
Sell with ease
Sell with confidence
Accept debit and credit cards
Get fast access to your money
PayPal’s Benefit to Sellers
Why PayPal works for sellers Enables credit card acceptance
Faster payment = faster inventory turn
Easy to sign up
No setup, monthly or gateway fees
Competitive price with no minimum time commitment
Fraud protection
PayPal enables global tradeCan be used in 45 countries
PayPal available
PayPal available + Local Bank Acct. Withdrawal
Currencies Supported: US $, CA $, GBP £, Euro €, JP Yen ¥
Localized: US, UK, DE, FR, BE, CH, NL, AT
RevenueOnline purchases Pay Free of charge Get paid 2.4% to 3.4% + $0.30
Personal payments Use PayPal balance Free of charge Use credit card 3.4% + $0.30
Common Fraud-Related Risks
Accessing a payment network to complete fraud
Accessing payment networks
Chargebacks
A cardholder disputes a credit card purchase
Using a stolen credit card to purchase goods and services
Product theft
Using stolen information to open new credit cards
Identity theft
PhishingMass Email Phishing Email Fraudulent Website (Spoof)
Spoofed Website
Buyer & Seller Safely
Data EncryptionData Encryption
Prevention FraudPrevention Fraud
Protection for purchaseProtection for purchase
PayPal’s competitors
Go mobile with your money.Obopay is the first truly comprehensive mobile payment service in the United States.
Find it with Google. Buy it with Google Checkout.
PayPal’s Security Tools-PhishingIconix® Truemark Email Identification Iconix® Truemark Email Identification
Security KeySecurity Key
PayPal’s Security Tool for-Identity Theft
PayPal’s Security Tool for -Identity Theft
IE Color FireFox Color
Safer Web BrowsersSafer Web Browsers
Awards! More than 20!
PayPal and the Future of Money
Something will never change in future
Thank You!
