VNPT EPAY
COMPANY PROFILE
CÔNG TY CP THANH TOÁN ĐIỆN TỬ VNPT
ST
VNPT EPAY
1 PAYMENT COMPANY 14th Floor, Handico building, Me Tri Ha New Urban Area, Pham Hung St., Nam Tu Liem District, Hanoi
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CONTENT
01 OVERVIEW
04 10 YEARS' ACHIEVEMENTS
02 VISION - MISSION CORE VALUES
05 PRODUCTS - SERVICES
03 BOARD OF MANAGEMENT
06 STRATEGIC PARTNERS
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ABOUT US
VNPT ELECTRONIC PAYMENT JOINT STOCK COMPANY Established in 2008 Charter capital: 120 billion VND Key shareholders: VNPT (35%), UTC (65%) Head office: 14th Floor, Handico building, Me Tri Ha new urban area, Pham Hung Str, Nam Tu Liem District, Hanoi. Hotline: 1900 6470 Website: vnptepay.com.vn
VNPT EPAY apply technology - based, merchant electronic payment solutions to help solving their toughest problems for a wide range of client spectrum. We are proud of our reputation as a solutions provider and innovator. Our corporate culture is one of dedication, respect and continuous improvement. We measure our success by our client’s success. In order to be better prepared to serve our clients, EPAY is investing in its sales force, internal processes, tools, and business system. In the context of rapily changing technology, EPAY trives to be recognized programs designed to attract and retain highly motivated merchants and vendor partners. Our extended “EPAY” family is our greatest asset.
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VISION - MISSION At EPAY, we have a clear vision for the future and understand how to manage the changes necessary to reach it.
Vision EPAY is No. 1 Electronic Payment Group in Vietnam
Mission For Government Contributing to implement the goal for the cashless society of Government
For End-User Providing payment service everywhere, everytime, with every devices
For Customer Providing the service for development of customer’s business
For Partners Becoming to a reliable partner
For Share Holders Bringing the effective investment value and maximizing the long-term beneďŹ ts for Shareholders
For Employees Provide professional and clear working environment, appropriate welfare system and self-development opportunities
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CORE VALUE
E P A
With vision comes values. These values guide everything we do - from strategic planning to day-to-day processing, to the manner in which we connect with our clients and partners. These values make us differentiation which are described by the acronym EPAY – our name:
E P A Y
for Easy integration. It's easy to install and use a payment solution from ePay. This means that people who are not online experts or programmers will feel secure using our solutions. for Professionalism. Our professional conduct is unassailable which help us market our unique services with accurate information and fair presentation for Affectionate, to those that matter most to you for Yes, always open to new possibilities
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BUSINESS ETHICS
Business Ethics: What we stand for? Within our inducstry, ISO’s acquires enjoy a remarkable degree of potential. With the potential comes the responsibility to practice business in accordance with the highest standards, to be accountable for products and services we market, and to honor our relationship in both appearance and fact.
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BOARD OF MANAGEMENT KIM JEHEE
General Director
Qualifications
Expertises
Dongkuk University (Korea) Bachelor of Business Administration Dongkuk University (Korea)
IT experience in a leading bank and credit card company in Korea CTO and new business development at KG INICIS, top payment gateway company in Korea CTO and business executive at NHN GODO, payment platform company of NHN group
Master of Business Administration
“Top expert with 25+ years of experience in payment and financial industry”
Experience Financial industry SHINHAN Bank (Korea) : IT Division SHINHAN Card (Korea) : IT Division
Payment industry
KG INICIS (Korea) : CTO NHN GODO (Korea) : Executive Director VNPT EPAY (Vietnam) : Vice CEO
Qualifications
Expertises
DanKook University (Korea) Bachelor of English Literature
Banking Business(Sales/strategy) ISP(information Strategic Planning) Global network/Biz experience (Korea, USA, Vietnam, Indonesia) Business Development Expert
Experience
Financial Industry Shinhan Bank(Korea/USA) : Biz, IT NH Bank : Global biz strategy IT industry IBM (Korea) : Managing Consultant Will be-Solution (Korea,Vietnam) : Vice CEO
Top expert both in business and technology of the field for 25 years
JANG KI HUN Deputy General Director
“Banking Business and IT Expert”
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10 YEARS'ACHIEVEMENTS
FOUNDED
EQUITY INCREASED
DEVELOPMENT
Established by major shareholders VNPT, Mobifone and some other small shareholders
VMG as a shareholder invested in VNPT EPAY, raising the total charter capital to VND 80 billion
Revenue: 2,050 billion. EBT grew by 270%. Rank first in the market share of online payment via prepaid card. Build and promulgate Corporate Culture.
AFFIRM Revenue: 3,800 billion. EBT grew by 40%. Megacard.vn ranked first in market share. Best reseller of Mobifone, Viettel & Vinaphone.
2017
2016
SUCCEED
2015
2013
2011
2008
Revenue: 6,700 billion. EBIT grew by 52%. Be granted official license for payment intermediary. Develops services for Finance and E-commerce segments.
OCCUPY
2012
DRAMATIC SHIFT
2010
LICENSE
Revenue: VND 2,100 billion. EBT grew by 40%. Rank first in the market share of Topup service. Be the best reseller of Mobifone, Viettel & Vinaphone. Launch Megacard.vn payment gateway.
2014
Be 1 of the 9 companies obtaining pilot license for intermediary payment service
Revenue: VND 1,200 billion. Be profitable for the first time. Vigorously change from providing package solutions to banks to providing online payment platforms for businesses.
SUCCEED Revenue: VND 8,080 billion. EBIT grew by 32%. The services to serve Finance and E-commerce segments make up 30% of market share. UTC Investment Company became the biggest shareholder of EPAY with the deal’s value of approximately USD 40 million.
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PRRODUCT - SERVICES PAYMENT SERVICE Megapay MegaPOS MegaV
SERVICES FOR FINACIAL INSTITUTIONS Money Collection Service Money Disbursementbursement Service Firm Banking Service Virtual Account Service Document Collection Service
SUPPORT SERVICES FOR E-COMMERCE & LOGISTICS Shipantoan Service
DIGITAL GOODS Topup Service
11 MEGAPAY SERVICE MegaPay - Online E-commerce Payment Gateway is an intermediate system to transmit, exchange and process payment transactions between consumers owning card, bank account or e-wallet and enterprises providing goods, services on the Internet. MegaPay is developed by VNPT EPAY, a payment specialist in Vietnam, MegaPay system is designed to suit Vietnam payment market with leading PG technology from Korea.
ONLINE PAYMENT PROCESS DIAGRAM
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1
ACCESING WEBSITE Customers access merchant’s website to purchase
3
CHOOSE PRODUCT
PAYMENT
Customers choose products/services to buy and add into the cart
Customers fill in the form which contain delivery location and card infomation. Then click “ Pay now ”
12 MEGAPAY SERVICE One connection for all payment methods CARD
+ International cards : Visa, MasterCard, JCB, Amex + Domestic cards of nearly 40 banks in Vietnam
MEGAV E-WALLET
ONLINE
Deployed by VNPT Epay
DEDOCATED BANK ACCOUNT
A new and unique payment method without card and real bank account
USER
USER
USER
FEATURES OF THE SERVICE
A new and unique payment method without card and real bank account. When customer request for payment using dedicated deposit account, MegaPay system will create and provide a dedicated bank account for his/her own, and merchant will be notiďŹ ed immediately when the customer deposits on the account.
USER
USER
13 MEGAPAY SERVICE AVANTAGE OF SERVICE
Highest standards of security technology and risk management are adopted.
Mobile Web & App
Multi-device support solution: PC, tablet, smartphone
Multi – OS support solution
PC Web
14 MEGAPAY SERVICE
BENEFIT OF MEGAPAY
Increase sale volume owing to simple and convenient payment method
Easy payment transaction management
No need to manage cash
Reduce transaction duration
15 MEGAPOS SERVICE MegaPOS - Card payment solution on mobile platform, that support for stores, enterprises, logistics companies,... in card payment and finance management. This solution brings the convenient payment method for end users, and makes the business of merchant better.
Benefit of Service Price for owning the device is free Expanding the payment channel for customer Improve cash flow by getting paid more quickly Easily doing the management of customer's transactions with Back Office System for merchant Doing the reconciliation flexible, fast and accurate Fee for transaction processing is very low
16 MEGAPOS SERVICE Cost effective with pricing model
Any card: IC Chip, Mag-stripe (with PIN) Any brand: Visa, JCB, MasterCard, Domestic, QR…
End-to-End PCI & EMV Compliant
Real-time Transactions & Devices Management.
THE PRODUCT CAPABILITIES Cross platform iOS, Android
Fastest deployment & Customization speed.
Real-time Report & Management
Solid, Committed and Most Affordable support service
17 MEGAV SERVICE
An account with electronic balance equivalent to real money which is built and developed by EPAY. MegaV is used in online payment for services integrated with e-wallet.
ADVANTAGE OF MEGAV Shorten the transaction time, accelerate sales revenue, diversiďŹ ed payment methods. With over 10 years of development, EPAY provides online payment service for online games, digital content and e-commerce
CUSTOMER
Buy goods
Payment through MegaV
Verify
Verify
E-COMMERCE
18 MEGAV SERVICE BENEFIT OF MEGAV Over 1 million users
The unique e-wallet customized by partner’s demand
Diversified affiliated products/services
Official license granted by State Bank of Vietnam
Diversified affiliated products/services
19 MONEY COLLECTION SERVICE
Support Partners to collect payment from Customers through chains, points of sales nationwide connected to EPAY such as Mobile World, FPT Shop, Agribank, MSB, … etc.
Collection cash & print out receipt
Collection cash & print out receipt
CONSUMER
Collection cash & print out receipt
Collection cash & print out receipt
Automatic confirmation
EPAY‘s COLLECTION POINT
Automatic confirmation
EPAY
MERCHANT
20 MONEY COLLECTION SERVICE
BeneďŹ t of service Convenient for customers + Network: More than 10.000 collection points over 63 provinces and cities + Transaction till 22:00
Support partners in managing receivables + Return results realtime and excactly
21 MONEY DISBURMEMENT SERVICE Cash disbursement at 2,500 bank counters to even districts and communes.
NOTICE OF DISBUSEMENT
(1) (2) VERIFY
PROCESS OF MONEY DISBURMEMENT
VERIFY & DISBURSEMENT
(3) VERIFY
REQUIRE DISBURSEMENT
22 FIRM BANKING SERVICE
VNPT EPAY is a pioneer in connecting APIs with partners to support for making payments or disbursing to partners' customers who have bank accounts or bank cards
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3
Send disbursement request through an API connection
Partner
Process instant interbank funds transfer operation
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Verify information Customer
23 FIRM BANKING SERVICE
BeneďŹ t of service Receive requests, process money transfers and return results automatically Supporting correct account / card information before transferring helps to reduce the transmission of incorrect information
Competitive advantage
Flexible transfer time 24/7
System of banks receiving money transfer: 43 banks in Vietnam
EPAY is the ďŹ rst unit on the market to provide money transfer solutions: Directly connect API to partner system. Transmitting results realtime
24 VIRTUAL ACCOUNT SERVICE
EPAY is a pioneer in providing VA solution to help partners manage their receivables. Each virtual account is assigned to each ContractID/CustomerID, helping Partners to optimize the management of receivables in a simple & effective manner
THE AMOUNT OF MONEY TO BE PAID (4) Notice V.A (3) Map customer (5) Deposit into Internet Banking
ATM
Bank Branch
Mobile Banking
Virtual Account
PAYMENT METHOD
(2) Create V.A (6) Credit to EPAY
(1) Reqest for mapping V.A
(7) Notice of payment via Virtual Account
25 VIRTUAL ACCOUNT SERVICE OPTIMAL HUMAN RESOURCE
MORE PRODUCT AND CHANNEL DIVERSIFICATION
Cut down human resources on payment collection
VAs can seamlessly integrate with other bank products,
Prevent work overload on payment due dates
such as intelligent receivables, trade, card, liquidity and
Reduce costs and reduce the KYC [know your client] burden
FX services with faster time to market.
REAL-TIME PAYMENT COLLECTION & AUTOMATIC PAYMENT MANAGEMENT
REAL-TIME & AUTOMATIC PAYMENT
Payment status is updated automatically on database
Payment is made in real-time
Real-time payment collection
Receive payment status notification in real-time
Real-time notification on payment collection
No need to manually insert transfer content nor
Block inexact amount of payment (optional)
customer information when making payment
Block overdue payments (optional) Search payment history SIMPLE IMPLEMENTATION PROCESS Connect to only ePay to have connections with various
VARIOUS PAYMENT CHANNELS
banks
+ Bank counters + ATMs + Internet banking + Mobile banking
BENEFIT OF VIRTUAL ACCOUNT
Or Stand-alone architecture requires very little change to bank’s existing system or capable to interface with corporate ERP. Highly configurable based on corporate specific needs.
26 DOCUMENT COLLECTION SERVICE Document Collection Service - eCollect is a service that helps ďŹ nancial institutions and banks to verify and collect customer credit records at home.
DOCUMENT
DOCUMENT
27 DOCUMENT COLLECTION SERVICE THE COLLECTIVE NETWORK has been appeared in 17 Mekong provinces. Include: Hochiminh City, Binh Duong, Long An, DongNai,.... (Continuously expanding routes as required by partners)
CLEAR PROCESS
ONLINE
WIDE NETWORK
PROCEDURES AT HOME
28 SHIPANTOAN SERVICE A website providing freight forwarding service to small and medium e-commerce enterprises and individual business households Buy goods
CUSTOMER
Receive infomation
E-COMMERCE
Reconcilation & Payment
Receive
Ship COD
SHIPPER
Tranfer information
29 SHIPANTOAN SERVICE
BENEFIT OF SHIPANTOAN
Cooperate with several logistics partners in Vietnam
Clear report management system with necessary features & utilities
Quicky meet withdrawal demand upon customer request.
Receive COD transferred swiftly upon a successful delivery
User-friendly, easy to use
Professional customer support
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TOP-UP
TOPUP SERVICE
TOP-UP SERVICES
Provide softpins (card PIN numbers), game card number or direct (airtime) topup to customer’s account based on a modern technology foundation. Easy integration and utilization
Buy soft PIN code directly
ĐẠI LÝ BẢO HIỂM
WEBSITE Send request
Submit sending soft PIN code
Verify
APP
Send request
EPAY SYSTEM
Verify
NHÀ MẠNG
31 TOPUP SERVICE
WHY
TOP-UP
The biggest online Topup provider in the market Full of prepaid cards & Telcos & game publishers in the market: Viettel, Mobifone, Vinaphone, Vietnammobile, Gmobile, Vcoin, Sohacoin, Apota, Zing, Garena, Oncash. Ensure sufficient warehouse 24/7, no transaction limits Professional stock alert system & customer support Diversified selling methods: connection via API, direct access to thanhtoan247.vn, megacard.vn, megav.vn Over 3,000 merchants nationwide
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STRATEGIC PARTNERS TELCO
BANK
FINANCE
RETAILERS
E-COMMERCE