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e-Payment Challenges e-Government's Challenges Symposium 2005

12 April 2005 Inter-continental Hotel Mamoun Eregat

Sales & Marketing Manager

Afkar Information Technology Ltd. w w w . a f k a r o n l i n e . c o m

© 2005 All Rights Reserved.

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Agenda

• Introduction

• The Challenge

• Q Pay – Case Study– Architecture Overview

– Interfaces and Processors– Web Access Administration

• Recommendations

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Introduction• e-Payment is on of the main challenges of

almost all e-business initiatives including e-govermnet

• Regional e-government project has already kicked-off

• By 2005, Global eCommerce 6.7 Billion with 90% from B2B

• More than QR. 90,000,000.00 has been successfully transacted electronically be Qatar e-govermnet gateway till now (Pilot & Portal).

• e-payments should be a strategic direction

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Approximately 80% of CEMEA e-commerce transactions were not addressed by payment cards

The Challenge

Payment Card Online

21%

Payment Card Online

64%

Other7%

Other18%

Bank or Post Office Draft /

Transfer16%

Bank or Post Office Draft /

Transfer10%

Cash On Delivery

56%

Cash On Delivery

8%

Source: Face of the Web Survey – Visa International – May 2001

CEMEA figures based on: Urban Egypt, Poland, Urban Russia, Saudi Arabia, Urban South Africa

CEMEACEMEA GlobalGlobal

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The Challenge , continue

• The lack of e-payment gateways

• The dependency of using Credit Cards for the existing e-payments gateway

• Total cost of integration and transaction fees were too high

• The lack of trust & e-trust

• The lack of legal framework

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Q Pay – Case Study

• Qatar Central Bank takes the initiative to provide QPay as the web based payment solution to facilitate

transactions payments online• QPay offers robust on-line payment solution for banks,

merchants and consumers• Flexible payment methods:

– Credit Cards– Debit (ATM) Card

– Pre-paid card– My bank account(s)

• QPay is Local, regional and international

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Architecture Overview

Bank 1

Bank N

Credit CardGateway

Customer

MerchantSite

Prepaid CardGateway

Payment SwitchNAPS - GCCNet

RTGS

QPayPayment Gateway

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Interfaces and Processors

Bank Connector 1

Credit CardPaymentInterface

Prepaid CardPaymentInterface

Debit CardPaymentProcessor

BankPaymentProcessor

Credit CardGateway

Prepaid CardGateway

QCB Payment Switch(NAPS, GCC

Other Networks)

Bank 1

RTGSConnector

QpayPayment Gateway

PrepaidConnector 1

PrepaidCard Management

Interface

Card Issuer 1

Credit CardProcessor

Processor Network

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Web Access Administration

Payment GatewayWeb Access

Module

MerchantWeb Access

Module

BankWeb Access

Module

QPayPayment Gateway

Customer

BankAdministrator

P.GAdministrator

MerchantAdministrator

E-WalletWeb Access

Module

QPay Domain

Au

then

ticatio

n M

od

ule

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Recommendations

• Governments should take the initiative of e-payments not only banks or private sector

• Implement campaigns and e-literacy initiatives• Offer additional Incentives for using e-payment• Introduce new payments mechanism like mobile

payments• Build more trust in using e-paymnets • Enroll QPay ASAP locally and regionally• Keep developing the experience through

feedback

Thank You