About EBS

E-Billing Solutions Pvt. Ltd., part of Ingenico, is a leading Online payment platform
in India enabling over 6000+ merchants to process payments via Credit Cards, Debit
Cards, Net banking, Mobile Payments, Cash Cards & E-Wallets. EBS specializes in
payment processing complemented by State of Art Risk Management Solution
which mitigates risks of online frauds.

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About Ingenico
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2012 revenues of 1.206 million

4500+ employees globally

More than 20 % of our global employees
are R&D engineers & innovation

Trusted by 70% of top 30 global Retailers

Connected with more than 1 000 acquirers

32 R&D centres

All Ingenico solutions production sites are
ISO 14001 certied
Ogone Payment Services
Ogone is a leading payment service provider with global reach. More than 42,000
businesses worldwide trust Ogone to manage, secure and collect their online and
mobile payments, help prevent fraud and drive their business.

Ogone is connected through certified links with more than 200 different banks and
acquirers and so is able to provide over 80 international, local and alternative
payment methods in Europe, Asia, Latin America, the United States and the Middle
East.

Through its subsidiary Tunz.com, Ogone holds a certified European e-money
license, offering plug and play virtual wallets to their merchants without them
having to open foreign accounts and sign contracts with third-parties.

About Ogone
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Staffing
300+
Ogone Global Presence
Belgium
Brussels
Headquarters
France
Paris
Germany
Cologne
Netherlands
Mijdrecht
Switzerland
Zurich
UK
London
North America
San Francisco
India
EBS
UAE
PayFort
Austria
Vienna
Local Expertise - Global Reach
Belgium


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Payment Services











SaaS or ASP architecture no hard or software to install
Technical facilitator with value added services
PCI DSS 2.0 Level 1 Compliant
ISO 27001:2005 certified



Payment Gateway and VAS for card not-present transactions
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Payment Processing
Fraud Prevention
Collecting Services
Mobile Payments
Why EBS?
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Local
approach
Premium
product
Scalable
solutions
Dedicated relationship
managers & 24 Hrs
priority support
Highest security
standards
Global
solution
Largest
Acquirer & PM
Hub
Where We Operate
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Staffing
India: 150+
EBS Founded
Signed with Axis
Bank for Merchant
Account


EBS Started
Operations
in Mumbai &
Hyderabad.

Achieved PCI DSS, 1.1
certification
Member Service Provider
with Axis Bank.
For NB Signed with HDFC,
ICICI, Federal, J & K
EBS Milestones

Started Third Party
Acquisitions with Individual
Merchant IDs as innovative
concept in India
EBS launched version 2 with
enhanced inbuilt RMS.


EBS signed with HDFC
Bank as MSP
First Indian provider to
successfully register
MSP with 3 Banks

2006
2007
2008
2009
2005
Complied with RBI payments &
settlement Act
appointed Citi Bank as a Nodal
Bank
Signed with Air India, Future
Bazaar, Tenishq, Bookmyshow for
RMS.
EBS signed up with Done Card,
SBI, SBM, SBH for NetBanking

Ogone signed an agreement
to acquire EBS.
Moved to a new Datacenter
and renewed PCI-DSS for 4
th

consecutive year


Opens Operation in
Jaipur
Achieved ISO 27001
Signed up with Amex,
Indian Bank, Kotak Bank,
Bank of India, Beam cash
and Yes bank


Ingenico acquires
Ogone from Summit
Partners
EBS Milestones Cont.
2010
2011
2012
2013
Facts & Performance
5+ Acquiring banks for processing Visa | MasterCard | AMEX | JCB | Diner
50+ debit cards options
30+ Net-banking options
5+ Cash card options
8+ EMI options
30+ IMPS options
E-wallet - PayPal
Supporting over 6000+ merchants
Operating from 8 Locations in India
Strong network of associates to
personally cater merchants

Smart processing capabilities
Advanced analytics
User friendly adminsitrative features
Shopping carts Integration
Variety of integration possibilties
Fraud management solution
Merchant
Payment Methods
Feature Rich Payment Gateway
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Our Product Lines
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Payment
Gateway
One Payment Gateway
for all payment
methods
One technical
integration
One contract to sign for
Feature rich Payment
Gateway offering:
Fraud
Prevention
Enterprise Solution
Fully-integrated Fraud
tool
In- or out-sourcing of
manual reviews
Ability to reduce
drastically fraud rates
Proven track records
Possibility to cover all
continents with one
single partner
Ogone Collect to
benefit from main
International payment
methods via one
contract
Multiple channel
management
Local currencies and
languages

Quick checkout
Payment Page
Customisation
Multiple Language
Selection
Dynamic Switching

Featured Solution
Tokenization is the process of replacing sensitive data with unique
identification symbols that retain all the essential information about the
data without compromising its security.
Tokenisation
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What are the advantages?
Increase Success Rates earlier affected
because of long payment process.
Integrates easily with website offering a
seamless customer experience.
Reduce instances of chargebacks
Offers absolute parameter control
Eliminates PCI-DSS compliance issues
Device fingerprinting is used to secure
the token
Are customer details safe?
Tokenisation uses an Advanced Encryption Standard (AES) - 256
Encryption technology and has Encryption Key management as
per PCI DSS Security standard, also since device fingerprinting
tool is used it makes EBS-tokenisation solution safer & secure.
Smart Router
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Featured Solution
Analysis proves that EBS smart router increases the efficiency by
10-12%.

70+ algorithms for routing
Transaction monitoring at high frequencies
Human intelligence reporting
Dynamically routing to the best healthy processor
Retry framework to help the customer in completing the
payment with a different processor or option
Facility to send invoices to customers for abandoned payments
PG Name Smart Router
CitiBank HDFC Over All Success Rate
Visa MasterCard Visa MasterCard Visa MasterCard
Domestic cards Success Rate 83 74 69 65 83 78
International Cards Success
rate
0 23 47 50 54 43
Overall Success Rate 82 73 67 63 83 77
Featured Solution

Advanced Payment Page Customisation allows a custom look & feel to be
created for payment page, creating a seamless buying experience for customers.
Advanced Payment Page Customisation
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What are the features?
Brand logo, change colours, images, fonts and buttons can be
added
content display preferences & border colours can be set
Billing & shipping can be captured by the merchant
Multiple Payment pages with different settings can be created.
Payment options at merchant discretion can be offered to
customers
Plug & play
Mobile friendly
A/B Testing

What are the benefits?
EBS Advanced Payment Page Customisation offers a variety of benefits which include:
Flexibility to adapt your payment page as per your website
Create a seamless look & feel across your entire website
Maintain your brand equity
Increased user trust
Featured Product
What is Multilanguage payment page?
Most payment page across India primarily only available in English, but people across India
speak in different languages the aim of Multilanguage payment page is to bring convenience to
customers by offering them a payment page in a language they are comfortable in.

What are the features of the Multilanguage Payment Page?
The Multilanguage Payment Page will have the same look and feel as our regular has the
same look and feel of EBS PG, the only difference being that it will be available in 7
languages i.e. Hindi , Marathi, Tamil, Telugu, Kannada & Bengali.

What are the advantage?
Customers can transact conveniently in a language in which he/she is comfortable
Drop in gateway time-out rate as content is easily understood

Multi-Language Payment Page
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Featured Product
ESCROW checkout is a feature which ensures that payment to the
merchant will be done once goods are received by customer.
ESCROW
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How does the customer benefit from
ESCROW?
Customer gains more trust on
merchant as he will make the
payment only on receipt of delivery.
Improvement in quality of products
shipped by merchant as customer
can reject the product if faulty or
damaged
How does the Merchant benefit from ESCROW?
Increases customer trust on merchant as amount will be debited
from merchant only on satisfactory delivery of product
Reduced issues related to settlement time as compared to COD
Eliminates issues related to fake currency or revenue leakage as
settlement will be done directly from EBS to merchant account.
Featured Product
What is Corporate Banking Solution?
Currently corporates who want to transfer large amounts of monies to other corporates for
services rendered or products purchased cannot use our standard payment gateway as there is
cap on the payment amount which can be processed by individual banks. The corporate
banking solution has a unique a API with the respective banks which enable processing of
high/large volumes.

How will the solution work?
The solution will work in exactly the same manner in which the normal process for payment on
EBS gateway works, the only difference being that the customer will have an option to select
the Corporate Banking which will enable payments of large volumes.

What are the advantages of Corporate Banking Solution?
Large volumes can be transferred from one merchant to the other.
Services or products can be rendered/shipped immediately on confirmation of the amount.
Single pricing across multiple banks

Corporate Banking Solution
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Fraud Prevention Solution (RMS)


Stay in control and/or get additional expertise

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Merchant
controlled
parameters
Accept / block / review transactions based on criteria specified by
the merchant

Entry level and advanced solutions (Checklist Scoring)

Up to 65 criteria (black, white and grey lists, velocity checks,
GeoIP, country consistency checks )
3-D Secure Reduce chargebacks
External
expertise
A second opinion

Real-time transaction assessment by Ogone

Over 1.000+ rules, templates per industry, device
fingerprinting, share of experience, outsourced manual
review
RMS Comparison
Feature RMS LITE RMS
Advanced
Simple Blocking rules
Industry specific templates
Device Finger Printing
Complex Rules & Algorithms
Velocity Check
Review Panel
Global Negative Data
Nexus
Manual Review
Customized rules
EBS -Payment Methods
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Credit Cards

Debit Cards
Visa Electron





Debit Cards
MasterCard



NetBanking
Cash cards






e-Wallets


IMPS
Credit Cards

Debit Cards

Online Banking

e-Wallets

Pre-Paid, Gift cards

Direct Debit

Invoice

Online Consumer Credit

Purchasing Cards
International Payment Methods
International, local and alternative
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Internationl Acquirers
Over 200+ Tier 1 connections with banks and acquirers
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Thank You