1. Five Notable eCommerce Trends
Alex Burgin
Sales Director

2. Confidentiality Notice
Forward-Looking Statements
By accepting this presentation and the information herein, you
acknowledge that the information furnished to you is
confidential, (the “Information”) and that your use of the information
is limited to your business dealings with Authorize.Net, or its affiliated
companies. You agree to keep the Information confidential and not to
use the Information for any purpose other than in your business
dealings with Authorize.Net. The Information may only be
disseminated within your organization on a need-to-know basis to
enable your participation in business dealings with Authorize.Net.
Please be advised that the Information may constitute material
nonpublic information under U.S. federal securities laws and that
purchasing or selling securities of Visa Inc., the parent company of
Authorize.Net, while being aware of material nonpublic information
would constitute a violation of applicable U.S. federal securities laws.
Today’s presentations may contain, in addition to historical
information, forward-looking statements within the meaning of
Section 27A of the Securities Act of 1933, as amended, and Section
21E of the Securities Exchange Act of 1934, as amended.
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These forward-looking statements are based on our current
assumptions, expectations and projections about future events
which reflect the best judgment of management and involve a
number of risks and uncertainties that could cause actual results to
differ materially from those suggested by our comments today. You
should review and consider the information contained in Visa’s
filings with the SEC regarding these risks and uncertainties.
Authorize.Net and Visa Inc., disclaim any obligation to publicly
update or revise any forward-looking statements or information
provided during today’s presentation.

3. Who Are We?
Since 1996, Authorize.Net has been a leading payment gateway for merchants, resellers
and developers throughout the United States, powering online payments for over 380k
small businesses.
Today, we are pleased to be offering our services in Europe, providing multi-currency
credit and debit card transaction processing for small and medium-sized businesses.
In addition:
• We offer advanced fraud screening, recurring billing and payment tokenisation.
• We provide a FREE Virtual Terminal for mail order/telephone order transactions.
• We are known for our platform stability, uptime and shopping cart compatibility.
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4. Question:
Hands up if you have made purchases using more
than one channel, e.g. mobile, retail or web.
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5. 1. Expectation Drives Omni-Channel
eCommerce no longer means ‘web
commerce’. There are many more
potential customer touch points.
Mobile
Web
mPOS
Kiosk
We are moving into the OmniChannel world with consumers
buying across channels and
geographic markets.
Five Notable eCommerce Trends | 23.04.2013
TV
IVR
Call Center
POS
Visa Confidential

6. 1. Expectation Drives Omni-Channel
Supporting Omni-Channels and
enabling interaction when the
consumer decides they want to
engage, is a business imperative for
the future.
Mobile
Web
mPOS
Kiosk
TV
IVR
Call Center
POS
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7. Question:
Where is your data?
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8. 2. PCI DSS Compliance – Maintaining Trust
Securing sensitive data generated
via multiple channels is complex.
Data needs to be secured across
the full order lifecycle: payment
acceptance, fraud
management, fulfilment, custome
r service, reconciliation and
transaction record storage.
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Mobile
Web
mPOS
Kiosk
TV
IVR
Call Center
POS

9. 2. PCI DSS Compliance – Maintaining Trust
Success in the Omni-Channel
world means convergence at the
back end and divergence at the
front.
Retailers who can achieve this will
have both efficient payment data
security operations and the most
appealing customer experience.
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Mobile
Web
mPOS
Kiosk
TV
IVR
Call Center
POS

10. Questions:
Would anyone here be comfortable driving a car
without insurance?
How many people in this theatre have an
advanced fraud solution?
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11. 3. eCommerce Fraud – A Different Priority
One of the biggest challenges for
merchants is optimising profit, not
eliminating fraud.
51% of fraud managers state their
biggest challenge is turning away
legitimate purchases due to fraud
concerns.*
* CyberSource 2013 UK eCommerce Fraud Report
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12. 3. eCommerce Fraud – A Different Priority
Merchants should focus on
optimising acceptance by
identifying good customers, sooner.
Introducing advanced fraud tools
can improve automated front line
screening, minimising the manual
review processes.
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13. Question:
How many of you have shipped a package outside
of your home country in the past three months?
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14. 4. Globalisation
Merchants should view international
markets as a key channel for longterm growth.
Domestic infrastructures are often
adequate for businesses with
modest international business (e.g.
English is the language of business.)
Shipping companies including FedEx
and DHL are helping to solve the
international shipping problem for
small merchants.
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15. 4. Globalisation
Merchants interested in expanding
their business internationally
should validate that their providers
support cross-border and crosscurrency transactions.
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16. Question:
How many of you intend on adding a digital
wallet to your shopping cart page?
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17. 5. Digital Wallets - The Next Evolution in Payments
Digital wallets will combine OmniChannel into a seamless one-click
interface.
Merchant adoption will be driven by
higher conversion rates, access to
high-quality consumer data and
security. Consumer adoption will be
driven by convenience and a broader
move to digital technologies.
Wallets will have capabilities beyond
payments, for example real-time
incentives sent via text message.
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18. 5. Digital Wallets - The Next Evolution in Payments
Numerous wallets will compete for
limited space on merchants’
shopping cart page. Merchants will
have to decide how many and what
options to make available to their
customers.
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19. Thank you
Telephone: 0203 564 4843
Email: uksales@authorize.net
Online: www.authorize.net/uk
In Person: Stand E3020
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