TWINT - SIX as your acquirer - More than a payment solution. First name Name Zurich, September 2018 - SIX Payment Services
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TWINT – SIX as your acquirer More than a payment solution. First name Name Zurich, September 2018
Agenda TWINT – Payment solutions Added values what is it? with TWINT
Agenda TWINT – what is it?
Network
Retailers Users
Acquirers Issuers
+ 59 other
Review and Outlook (new functionalities)
2017 Q2
App launches:
UBS TWINT
Functionalities : Q4
• QRC for mPRIME
ZKB TWINT
(replaces TWINT Functionalities:
PostFinance TWINT
retailer app) • VAS at terminal
Raiffeisen TWINT
• Web-to-app switch (couponing)
Credit Suisse TWINT
2016 BCV TWINT
• App-to-app switch
(Datatrans)
TWINT Prepaid
• Alias payments
Q1
Merger
Paymit/
(User on File)
• QRC for vending
Q3
TWINT Functionalities:
Funktionalität: Functionalities:
• QRC at terminal
• Refund QRC at • VAS at terminal
terminal (loyality)
2016/2017 2018
Overview TWINT issuer and TWINT user
65 930’000 45%
Swiss banks Registered users Unaided awareness
Overview TWINT merchants
over 50’000 900’000
Acceptance points TRX/month
What TWINT can do
Online / app Unattended
points of sale
Vending Static
E-commerce M-commerce
machines QR code
Attended Value added services
points of sale
Terminals Beacon
Coupons Stamp cards Loyalty cards
Person to person
Peer-to-peer
The advantages for you with TWINT
Payment with More than a payment
Replaces cash
smartphones solution
− POS − Between private individuals − Store loyalty cards
− E-/M-commerce − Where cashless payment has − Precisely position and evaluate
− Vending machines not been possible up until now campaigns
− Stamp cards with minimal
effort
The banks' solution Needs-oriented Open
− Direct linking of the bank − TWINT knows the needs of − TWINT can continually develop
account and stored Swiss users, retailers and banks new solutions
credit card − Independent of conditions at − All users, retailers and banks
− Bank security standards the point of sale can participate
− For iOS and Android
Agenda
Payment solutionsOverview – payment
E-Commerce Terminal Beacon Vending machine
Online shop
Terminal with a display POS integration Connection with host
Prerequisites Integration with PSP or screen Acquisition of beacon
plugin
Online/offline (users) Online Online Online Offline/Online
Yes (cash back & product
Added values Yes, coupon (entry code) Yes (cash back) for POS integration) Yes (cash back)
Customer cards
No typing in payment data Use existing
Use existing terminal Offline capability infrastructure
USPs Faster check-out than with infrastructure Added value capability
traditional methods No terminal requiredWho is it for? Characteristics
E-Commerce − For all retailers with an − Integration via PSP
online shop − Integration via plugin
Payment in e-commerce with TWINT can be offered with the PSP
or a plugin. On check-out, the customer selects the "TWINT"
payment method and is then presented with a screen with the QR
code and a numeric code (in case they are unable to scan the QR
code - because, for example, they are using the smartphone). The
customer does not have to enter any payment information. Amount of Prerequisites
work/expense involved − PSP has implemented TWINT
− Integration in PSP or − Plugin available
plugin installation
Advantages
− Check-out process substantially − Strong market acceptance
simplified within a short period of time
− Lowest cancellation rate − Very high adaption rate for
compared to other payment TWINT payments
methods − Added value capability
− Customer not required to
provide payment dataProcess – E-Commerce
1 2
Trigger
Customer selects the "TWINT" payment Scan
payment
method. Customer scans QR code/types in code
Screen displays a QR code and a code. into the app.
3 ok
Payment
and Customer confirms the amount in the
confirmati app.
on Payment is confirmed on the computer
screen and in the app.Who is it for? Versions
Terminal − For all retailers − POS-integrated
with existing terminals − Independent
− Stationary and mobile terminals − Mobile
With this solution, you can pay with TWINT at existing terminals.
The technology is a QR code and also works independently of POS
systems.
Amount of Prerequisites
work/expense involved
− Integration into cash-register − Terminal able to display QR-
software may be required Code
− Sales staff training
Advantages
− Existing infrastructure − Including without POS system
is used
− Simple activation by acquirerProcess – Terminal
1 2
Trigger
Scan
payment Cashier authorises payment when The TWINT QR code is displayed on the
presented with the final amount and terminal. Customer scans the
selects EFTPOS payment method. QR code.
4
ok
3
Payment Confirmati
Customer sees the amount and confirms The sales process is completed by the
on
the amount in the app (depending on POS, and a receipt is printed. The
settings). customer receives confirmation in the app.Who is it for? Versions
Beacon − Large retailers with high − Desk model (with stand)
frequencies − Wall model (with wall sticker
− Stores with no or limited for fixed mounting)
wireless coverage − Wireless (from Q3/2017)
A beacon is an enabling device with Bluetooth technology. It − e.g. retail trade, staff restaurant
ensures that customers can also pay when there is no or only poor
wireless coverage. A beacon is integrated into the existing POS
system. The customer holds the smartphone next to the Beacon
and thereby triggers payment in the TWINT app.
Amount of Prerequisites
work/expense involved − Modern POS system
− Integration into POS software − POS integrator must implement
TWINT
− Acquisition costs - Beacon
− POS must be connected to the
− On-site Beacon installation
network (SIM card, WLAN,
− Sales staff training LAN)
Advantages
− Offline capability − Payment process at the POS
− Added value capability optimised with loyalty cards and
other added values
− No terminal requiredProcess – Beacon
1 2
Customer holds smartphone next to the Discount
Linking
beacon and thereby triggers payment in query The POS then automatically checks for
the TWINT app. This identifies and links digital coupons and loyalty cards, and
the retailer and the POS. calculates the final amount.
ok
4
3
The cashier authorises payment with the
Payment Confirmati The sales process is completed by the
"TWINT" payment method. POS, and a receipt is printed. The
on
The customer sees amount and confirms customer receives confirmation in the app.
payment in the app (depending on settings).Who is it for? Versions available
Vending machines − For all unattended POS vending − Vending payment terminal
machines − Beacon
− Perfect for the following sectors: − QR code on display screen
parking, petrol, self-service,
transportation − Static QR code
No coins required to pay at vending machines with a QR code.
Select from a variety of solutions. Whether on the integrated
payment terminal, beacon payment, as a QR code on a display or
as a static QR code on a vending machine.
Amount of Requirements
work/expense involved − Depends on integration
versions
− Integration into software
− Terminal/Beacon connection
− Sales staff training
Advantages
− Flexible choice of solution − No hardware adjustment
− Direct vending machine − Potential added value
integration
− No terminal requiredOverview of vending machine solutions
Self-service
Payment terminal Beacon QR code on display
QR code
• Display with imaging
Vending machine with
Vending machine with Vending machine with capabilities
Requirements terminal that has display
network connection network connection • Vending machine with
capabilities
network connection
Integrated into existing Direct integration into
Direct integration into
Integration terminal infrastructure No integration vending machine
vending machines
No hardware adjustment software
On-/Offline Online Offline Online Online
Potential for added
Yes Yes Yes Yes
value
• Very reliable, since it is
capable of working
• No infrastructure • Use existing
• Use existing offline
USPs required infrastructure
infrastructure • Potential for added
• No terminal required • No terminal required
value
• No terminal requiredAgenda
Added values
with TWINTOverview – added values
Loyalty cards Stamp cards Coupons
Existing loyalty programs and Retailers with TWINT payment Retailers with TWINT payment
Requirements
customer cards solution solution
Sales increase Sales increase
Aim Customer retention
Customer retention New customer acquisition
POS POS POS
Application Vending machines Vending machines Vending machines
E-commerce E-commerce E-commerce (enter code)
Immediately (at terminals starting
Available from Immediately Immediately
end fourth quarter 2018)
Target group-specific campaigns
Automatic consideration accelerates Low creation effort
USPs Easy to create, manage and
payment process Cannot be forgotten
evaluateFurther information about TWINT www.six-payment-services.com/twint-welcome
Many thanks! Seite 23 Payment Services 9/7/2018
Disclaimer These documents were drawn up by SIX Group AG, its subsidiaries, affiliates and/or branches (all together "SIX") for the exclusive use of those persons to which SIX presents them. These documents and their contents do not constitute a binding agreement, recommendation, investment advice, offer, invitation or offer to buy or sell financial information, products, solutions or services. They are provided solely for information purposes and are subject to change without notice. SIX is not obliged to update, amend or keep these documents up to date. SIX does not make any representations, or give any warranties, guarantees or assurances – either expressly or implicitly – with respect to the accuracy, completeness, adequacy, suitability or reliability of the content of these documents and neither will it do so in future. SIX and its directors, officers, employees, representatives and agents exclude all liability for losses, damages or impairments arising from or in connection with these documents. These documents are the property of SIX and may not be in any way printed, copied, reproduced, published, transmitted, disclosed or distributed without the prior express and written consent of SIX. © 2018 SIX Group AG. All rights reserved.
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