How to empower your business
with card payments?
Jana Golubeva
Ecommerce Project Development Manager
Jana.Golubeva@citadele.lv
00371 26 337305

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Key to business success –
complex process!
Increase
client base
Keep
clients loyal
Increase
value
Shareholders
Happy
Set new
profit
records
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Returning visits Repeat purchases
“Customer service” importance
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What is common
to these businesses?
Food store,
meal ordering
Digital goods,
e-books, movies,
music
Pre-paid telecom,
parking, mob. app
Transport & Event
tickets, Discount
coupons
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How 1-click payment works?
Sign in,
choose e-book
Add your
details
Confirm
payment
Enter & Save
Card data
Get your
e-book
or
1. 2. 3. 4. 5.
Confirm
Name*
Card Number
Jana
Save this Card
Mark as default
Riga
Address*
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Sport,
fitness clubs
Newspapers,
magazines
Service
providers
internet, security,
utilities
Courses,
webinars,
e-learning
Renting
apartments, transport,
equipment
What is common
to these businesses?
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How does it work?
Recurring payment
One-click payment
Client enters
card data
First data
generates
reference ID
E-shop initiates
payment, sends
transaction with
reference ID
First Data
sends ID, card
authorisation
details to eshop
Returning client
presses “1 click pay”,
initiates payment
First Data gets
transaction request
with reference ID
1. 2. 3. 4.
2.1.
First data
identifies
card, process
transaction
5.
3.
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And a few more businesses
Health and
Beauty, Vitamins
Dog food SocksContact lenses Daily usage
products
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What is common when you sell
these products and services?
Furniture Travel Construction
materials, fabrics
Heating
systems
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What does the sales
process look like?
E-shop
contacts client,
reconfirms
order
E-shop
sends
confirmation
and invoice
E-shop
checks bank
statement
Client rethinks,
makes wire
transfer or
cancels order
Client gets digital invoice
to email or SMS,
presses “pay by card’’
When money
received,
proceeds with
delivery
1.
1. 3.
2.
2. 3. 4. 5.
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And a few more businesses
Any catalogue
business
Any service
Company
Telemarketers
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Who is going to use these
payment options?
No. of smartphone
users in Baltic
countries
No. of payment
cards issued in Baltic
countries
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2,3M
1,8M
3,4M
Europeon System of Central Banks (ESCB), 2015

Importance of managing change
264 million people
in Europe are eShoppers*
73.4% of users access the
web via a mobile device*
94 million customers buy cross-border
and this figure is growing*
*eCommerce Europe: European B2C eCommerce Report 2014
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Multi-channel payment solutions
Customer
Mobile
Self
Checkout
Mobile
POS
eCommerce
Point of
Sale (POS)
Unattended
Terminal
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Thank you!
Tallinn,
Estonia
Vilnius,
Lithuania
Riga, Latvia
(Head Office)
Zurich,Switzerland
Moscow,
Russia
St. Petersburg,
Russia
Minsk, Belarus
Almaty,
Kazakhstan
Kiev, Ukraine
Jana.Golubeva@citadele.lv
+371 26 337305
Tomas.Janulevicius@citadele.lt
+370 52664611
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