Payment System

Product Description

2015
Content

• About the Product. Basic options

• Architecture and functionality
• Interfaces
• Administration, hardware
About the Product

PAYMENT SYSTEM

universal payment instrument

• …Enabling customers to pay for goods and services at

restaurants, movies, shopping centers, to shop online, to
pay bills and to send & receive money transfers
• …Providing retailers with efficient and easy-to-integrate
tool for accepting online, offline and NFC payments
 Basic scheme

1. Buying e-money
from issuing bank
or agent PAYMENT 4. E-money
SYSTEM withdrawal

END-USER
2. E-wallet
replenishment

3. E-wallet usage

3.1. Online, offline & NFC

payments for goods and 3.2. Р2Р transfers
services
 E-wallet replenishment
2. Tools for e-wallet replenishment

Cash Cashless

Kiosks ATMs POS-terminals Visa, Mastercard E-money

Bank’s cash units Bank transfers Prepaid cards

Payments for goods and services

3.1. Payments for goods, services, gift certificates

Utilities Retail Cinemas Fuel Mobile Online stores

stores stations operators

TV Internet- Loans Gifts Gift certificates

providers repayment
P2P transfers

3.2. Transfers

E-money

Customer 1 Customer 2

Data Data
exchange exchange
PAYMENT
SYSTEM
Operator
E-money withdrawal

4. E-money withdrawal (exchange for real money)

Tools for funds withdrawal

Real money

E-money
Customer Issuer

Data Data
exchange exchange

PAYMENT
SYSTEM
Operator
Content

• About the Product. Basic options

• Architecture and functionality
• Interfaces
• Administration, hardware
Architecture

Bank Web
PrePaid Credit Card
account browser
System Application

Payment Gateway NFC

Client options
iOS,
MONEY IN THE CLOUD Android

PoS
Modules

Payment/
Loyalty E-wallet OTP … SMS/USSD
Top up
Functional options
✓ E-wallet
✓ Alternative payments
✓ Card payments
✓ P2P transfers
✓ Integration with pre-paid cards
✓ No registration required
✓ Fraud protection
✓ Low-cost transactions
✓ Instant transactions
✓ Offline payments
✓ Simple integration
✓ API (deposit, withdrawal, transfer,
receipt of payments, balance display,
transactions history, vouchers
generation)
✓ Billing system
✓ Instant transaction alerts
✓ Irrevocable payments
✓ Multi-currency (supports any number
of projects with different currencies.)
✓ Multi-lingual support (“Create a new
language” panel)
Security

❑ Secure channels with SSL certification, pre-encrypted data transfer

❑ SMS Verification based on one-time passwords (OTP):
❑ User enters his mobile number at the time of registration. Every login and
transaction has to be confirmed via temporal one-time passwords sent by
SMS.
❑ You can collect user mobile phone at the time of registration for your
services/account and use it for log on access.
❑ User can have simple log-in procedure just by entering his/her mobile
number and confirming OTP password sent by SMS!
❑ No need to remember password or login information.
❑ You can also use it as a back up solution for your customers in the case
pass-word or login is lost.
Content

• About the Product. Basic options

• Architecture and functionality
• Interfaces
• Administration, hardware
 Interfaces & gateways
User interfaces
Individual Merchant’s Administrator Manager’s Agent’s Operator’s
user’s account ’s account account account account
personal
account
API (deposit, withdrawal, Communication interface Interface for working with
transfer, receipt of payments, (import-export) for automated contactless pos-terminals
balance display, transactions banking system.
history, vouchers generation)
Integration Services payment gateway User mobile apps
with SMS- (utility payments, topping up
gateways mobile phones etc.)
Universal payment module for the connection iOS mobile app (iPhone, Android
of external systems of funds input and iPad) mobile app
withdrawal.
Client’s personal account (1/2)
1. Client’s personal account, transaction history

Transaction History (EUR)

Client’s personal account (2/2)
2. Sending money to e-wallet
Android/iOS mobile app (1/2)
Main Menu Transactions History Info Menu
Android/iOS mobile app (2/2)
Money Transfer P2P Transactions QR operations
Merchant integration
Merchant integration options
Simple Complete
API Extended Module
integration (html- integration
integration integration integration
code) (merchant gateway)

Simple integration based on XML API

(programming interface that allows you to
automate the processes of authorization,
sending payments, getting the balance of the
accounts, or a history of operations
performed)

Sample request & server

response
Content

• About the Product. Basic options

• Architecture and functionality
• Interfaces
• Administration, hardware
Administration

• Full administration of the system without any

programming knowledge.
Hardware Requirements

• For the smooth operation of the payment

system three servers are needed with the
following minimal configuration:
✓ Processor - Intel 3.0 GHz or more
✓ RAM - 2 x 8 GB DDR3 1600 MHz ECC
✓ Hard drive - 2 x 500 GB
✓ Web-server - Apache
✓ PHP, MySQL
 Our Projects
Professional team with over 12 years of experience in development of innovative fin-tech products. We were
the 1st in the global market to launch electronic money, payment systems aggregator and the system of
mobile payments from the account of the mobile operator, the 1st who introduced payment self-service
terminals in Ukrainian market, the 1st in the CIS market to launch contactless payments and many other
innovative products and solutions.
1. Rupay (www.rupay.com, Info@rupay.com ) system of electronic money - sold to the Russian holding RBC, renamed
to RBKmoney, is successfully operating in the Russian market (www.rbkmoney.com, a.morozov@rbkmoney.com )

2. Autopay (Www.autopay.com.ua) payment terminals network - Ukraine's first network of self-service terminals. The
company developed server software, terminal software, connected over 200 service providers; the network was sold to
an international company.

3. Interkassa (Www.interkassa.com, Denis@interkassa.com ) aggregator of Internet payments - the first and largest
aggregator of payment systems, the system was sold to a Ukrainian company.

4. Monexy (Www.monexy.ua, Yuriy@monexy.ua ) e-money payment system - a system of online and offline payments in
Ukraine, that obtained the first license from the National Bank of Ukraine to issue electronic money, is the leader in
electronic money systems, working in partnership with one of the most innovative banks in Ukraine.

5. e-groshi (Www.e-groshi.ua, r.dymchuk@e-groshi.ua ) coalition loyalty system is a reward system, based on

electronic money Monexy. Currently it’s establishing contract relations with the major retailers. Within the existing
contracts, over 1.2 million loyalty cards have been issued. These cards will unite all the participating merchants in one
integrated loyalty system.
Contacts

THANK YOU FOR YOUR ATTENTION

For more information,
please contact

Yuriy Chayka Inna Rumiantseva

Email: yuriyaa@gmail.com Email: inna@finovatestudio.com
Моб. +38.067.621.57.13 Mob. +38.050.567.63.56
www.m-processing.com www.finovatestudio.com

Our support offices:

UKRAINE, 01030, 44 Bohdana Khmelnitzkogo St., Kyiv
ISRAEL: Israel Bek 3, 4th floor, Tel Aviv, Israel, 90901
CHINA: Dongping Rd. No. 15, Suite 505, Shanghai 200031
CHINA: Kehua North Rd. No. 62, Suite 711 Chengdu, Sichuan 610021