Introduction

Background / Organisation

Paybox Services has been present in the e-commerce market since 1999 with its Paybox Services, a must-have solution, which is a true virtual electronic payment terminal, specially designed to accept online payments.

A multi-channel solution: E-commerce / Distance selling / Local payments (physical electronic payment terminals)

 Apart from e-commerce, Paybox Services has developed a secure platform for processing electronic payments from a range of sales channels (call centres, data input centres, WAP or i-mode, interactive voice servers and complex processing on e-commerce sites).

In 2006, Paybox Services added processing of payments from physical payment terminals connected via IP (ADSL / GPRS) to our platform to its set of skills. Two packages are available: one for independent traders and the other for multi-points of sale businesses.

Paybox Services is now the first e-banking “multi-bank” operator to offer a comprehensive approach to processing payments from distance selling, providing a service linked to the whole banking landscape and non-bank card issuers. Our range of modules provides an optimal level of processing for each of the sales channels via a sole service provider.

Paybox Services is a key market player with connections to the various businesses, banks, card issuers, processing centres, institutions and integrators.

A true “multi-channel” operator, for each client Paybox Services develops and implements situation-specific solutions that meet its objectives. Our tools and services are circulated directly to merchants and also via financial institutions and integration services and EFT/POS distributors.

Guaranteeing an overview of your company’s financial activity from all sales channels

Manage performance, control costs and risks, break down and trace transactions while complying with new regulations, Paybox Services supports you, innovates and shares its experience with you.

From the beginning, Paybox Services has constantly developed the range of cards and payment methods that it accepts for processing. This means that a merchant who registers with Paybox can accept bankcards (Visa & MasterCard), as well as over fifteen other payment methods (Amex, Diners, JCB, E-CB, Cofinoga, Sofinco, Finaref, Aurore, 1Euro.com, PayPal, Carte Cadeau, split payments, Quasi Cash, Carte CUP) in a large number of currencies.

Traditionally based in France but now open to over forty European countries

Totally multi-bank on French soil, Paybox Services is developing the same positioning by offering links with a number of European acquirers. Modular and configurable, the Paybox platform enables merchants to receive domestic payments

Accreditation and certification

Paybox Services holds accreditation and certification from GIE Cartes Bancaires, Visa and MasterCard, and from non-bank issuers and acquirers for its distance selling and local payment services (Paybox Local).

Naturally, Paybox Services is PCI-DDS (Payment Card Industry Data Security Standard) certified by Visa and MasterCard. Renewed on a yearly basis, this certification guarantees the platform’s high level of security and integrity.

3D Secure, designed by the Visa and MasterCard networks under the following slogans - “Verified by Visa” and “MasterCard Secure Code” is available.

PAYBOX SERVICES

Core activities / Expertise

Proven experience:

The Paybox Services management and co-workers have over 15 years’ experience in the payment methods sector and e-banking in particular. They have a perfect grasp of the background to this activity and of the various technical solutions used, and know how to plan ahead in order to continue safeguarding the core business of their clients and partners.

Paybox Services is a member of ACSEL. This association brings together e-commerce and online services professionals. A forum for dialogue and discussion, ACSEL defines itself as a business club. Drawing its strength from its diverse and rich pool of members, its proposals for action are taken into account and have already helped to develop the internet environment in France.

Paybox Services is also a member of the CONCERT Group. Founded in 1987, CONCERT is a professional association bringing together companies that have been contributing to the success of the e-banking industry for close to 20 years. At the heart of a large number of market, technological and information trends, CONCERT strives to anticipate the behaviour of the future, influence change and implement new methods.

Paybox Services also works closely with FEVAD (E-commerce and Distance Selling Federation) and MERCATEL.

Comprehensive payment processing options

We provide solutions for the following processing scenarios:

  • Distance and local selling.
  • Online and offline
  • Authorisation, capture, cancellation and credit
  • Management of deferred payments.
  • Accepting bankcards, cards issued by non-banking institutions and other payment methods.
  • Comprehensive Back Office service.

Specific projects:

Harnessing all of our technical and human resources and developing and operating our own platform, Paybox Services will take the time to listen to your requirements for a specific payment / loyalty / paperless service. As specialists, you can rely on our knowledge, expertise and advice.

A service-based approach:

As part of our packages, we cover changes to e-banking in terms of standards and the development of security systems, and offer competent and efficient “pre-sale” and “post-sale” technical support.

A quality service:

  • Management of servers and telecommunications networks making for optimal availability.
  • Transactions acquisition for checking and authorisation requests made to banking and non-banking institutions.
  • Payment settlement (batch data capture and file transfer) to recipients.
  • Changes to communications protocols and standards.
  • Technical assistance when implementing solutions and production monitoring.
  • Compliance with quality standards and certification programmes.