.,IntroductiontoPayPalPaymentSolutions,.,PayPalis:SecureSimpleFast,PayPalHelpsBringYouNewCustomers,2,DriversofConsumerDemandforPayPal,OpportunitiesforMerchants,.,ThePayPalOpportunity,3,PayPalGrowth,PayPalhelpsyougrowyourbusiness,141Maccounts31%yoyvolumegrowth190countries70+currencies1000sofmerchantsaddPayPaleveryyear,PayPalisthesafer,easierwaytogetpaidbyonlineshoppersaroundtheworld.,.,4,UnderstandingthePaymentProcessingNetwork,IndividualsMerchantsellerofgoodsCustomerbuyerofgoods,.,5,ThePaymentNetworkProvidesProcessesandServices,.,6,AuthorizationProcess,Customerdecidestomakeanonlinepurchaseandinputscreditcardinformation,Merchantswebsitereceivescustomerinformationandsendsittoapaymentprocessingservice,Paymentprocessingserviceroutesinformationtoprocessor,Processorroutesinformationtobankthatissuedcustomerscreditcard(issuingbank),Issuingbanksendsauthorization(ordeclination)toprocessor,Processorroutestransactionresultstopaymentprocessingservice,Paymentprocessingservicesendsresultstomerchant,6,.,7,SettlementProcess,MerchantinformsthepaymentprocessingservicetosettletransactionsPaymentprocessingservicesendstransactioninformationtotheprocessorProcessorcheckstheinformationandforwardssettledtransactioninformationtotheissuingbankIssuingbanktransfersfundstotheprocessorProcessorroutesfundstotheacquiringbankAcquiringbankcreditsmerchantsbankaccountIssuingbankincludesmerchantschargeoncustomerscreditcardaccount,7,.,8,PayPalProvidesanAll-in-OneSolutionforOnlineMerchants,Customersissuingbank,Merchantsacquiringbank,Customer,Merchant,Processor,PaymentProcessingService,ProtectingthesecurityofamerchantsinformationisthetoppriorityatPayPal.,.,9,UnderstandingtheRisksofInternetFraud,Anestimated$2.8BUSDwaslosttoonlinefraudintheU.S.andCanadain2005Therateofcreditcardfraudforonlinesalesisthreetofourtimeshigherthantheoverallfraudrate,AuthenticationisachallengeHackerscanbreakintoamerchantsnetworkHackerscanalsostealcustomeridentitiesMultipleaccesspointsforbreak-ins,Vulnerabilitiesabound,leadingtolosses,.,10,CommonFraud-RelatedRisks,Usingstoleninformationtoopennewcreditcards,Issuingunauthorizedcreditsorpayments,Identitytheft,Cashtheft,Accessingapaymentnetworktocompletefraud,Accessingpaymentnetworks,Usingastolencreditcardtopurchasegoodsandservices,Producttheft,Chargebacks,Acardholderdisputesacreditcardpurchase,.,11,HowtoProtectYourBusinessAgainstFraud,TransactionLevelEnsureeachtransactionyouacceptandprocessisvalid,andbecarefulinreviewingsuspicioustransactionsbecausesomemaybevalid.,AccountLevelMakesureonlyauthorizedusershaveaccesstoyourpaymentgatewayaccount,andbealertforsuspiciousaccountaccesspatterns.,NetworkLevelEnsureyourperimeterisdefendedagainstunauthorizedaccess.,1,2,3,.,12,YourDisclosurePolicyTellsCustomersthatYouAreHonestandDependable,BusinessDescriptionExplainswhatthecompanydoes,ShippingPolicyDetailsshippingterms,shippingclassesoffered,&expecteddeliverytimeframe,PrivacyPolicyDescribeshowthecompanytreatsandprotectscustomersinformation,ReturnPolicyProvidesclearguidelinesonhowareturnishandled,ContactInformationMakesiteasyforcustomerstogetintouchwiththemerchantviadifferentcommunicationchannels,.,13,CompliancewithPCIDataSecurityStandardsMustBeFollowed,ProtectCardholderData,MaintainaVulnerabilityManagementProgram,ImplementStrongAccessControlMeasures,RegularlyMonitorandTestNetworks,MaintainanInformationSecurityPolicy,ProtectstoredcardholderdataEncrypttransmissionofcardholderdataacrossopen,publicnetworks,Useandregularlyupdateanti-virussoftwareDevelopandmaintainsecuresystemsandapplications,Restrictaccesstocardholderdatabybusinessneed-to-knowAssignauniqueIDtoeachpersonwithcomputeraccessRestrictphysicalaccesstocardholderdata,TrackandmonitorallaccesstonetworkresourcesandcardholderdataRegularlytestsecuritysystemsandprocesses,Maintainapolicythataddressesinformationsecurity,.,14,PayPalOffersthePaymentSolutionthatMeetsYourBusinessNeed,14,PayPalProducts,Scenario#1Acceptonlinecreditcardpaymentswithminimaleffort,Scenario#2Buildanall-in-onesolutionforacceptingweb,phone,faxandmailpayments,Scenario#3AcceptPayPal,keepcurrentpaymentprocessor,Scenario#4Provideasecureconnectionfromyouronlinestoretoyourmerchantaccount,.,15,SelectingtheRightProductforYourBusiness,.,16,WhatsNext?,StartAcceptingPaymentwithPayPalSignupforPayPalAccountNow!SubscribetoOurEcommerceBlog.my/SELLMORELearnmoreonFraudAlertSystem.my/FraudAlertSystem/,.,17,PayPalShoppingCartforSmall&Mid-SizedBusiness,SellingOnline?OfferyourcustomerssecurityandconveniencewithPayPal.UsingPayPaltoprocesspaymentswithinyouronlinestoreallowsyoutoacceptcredit,debitandPayPalpayments.webShapere-commerceisfullyintegratedoutoftheboxwithPayPal.SimplyselectPayPalasapaymentoptionandenteryouruserIDandpasswordtostarttakingPayPalpaymentsfromyoure-commercesite.TestDriveitToday!Logonto.my/DEMO,PayPalE-commerceStoreSolution,.,18,.,19,TheinformationcontainedinthisdocumentrepresentsthecurrentviewofNeowaveSdnBhdontheissuesdiscussedasofthedateofpublication.BecauseNeowavemustrespondtochangingmarketconditions,itshouldnotbeinterpretedtobeacommitmentonthepartofNeowave,andNeowavecannotguaranteetheaccuracyofanyinformationpresentedafterthedateofpublication.Thisoverviewisforinformationalpurposesonly.NeowaveMAKESNOWARRANTIES,EXPRESSORIMPLIED,INTHISSUMMARY.Useitatyourownrisk.Complyingwithallapplicablecopyrightlawsistheresponsibilityoftheuser.Withoutlimitingtherightsundercopyright,nopartofthisdocumentmaybereproduced,storedinorintroducedintoaretrievalsystem,ortransmittedinanyformorbyanymeans(electronic,mechanical,photoc