David Bigham CREDIT CARD PROCESSING. TWO STAGES Allow use of credit cards in bookings Allow use of credit cards in app Major hurdle Need accredited network.

David Bigham

CREDIT CARDPROCESSING

TWO STAGES

Allow use of credit cards in bookings

Allow use of credit cards in app

Major hurdle

Need accredited network if cardholder not entering number (PCI DSS Compliance)

STRIPEFirst Implementation

CREATE THE BOOKING

IN THE VEHICLE

IN THE VEHICLE

IN THE VEHICLE

RECEIPT

WEBSITE

REFUNDS

STRIPE ACCOUNT

STRIPE DETAILS

OPERATOR INVOICE

IN SUMMARY

A fully integrated way to pay by credit card

Full traceability of payments. Booking number on credit card statement, in receipt, in Stripe records, and on website.

Ready for the next stage –payments using the app.

WHERE DID ITGO WRONG?

Not yet available in New Zealand

Numbers not entered on accredited network

EWAYSecond Implementation

CREATE THE BOOKING

REQUEST TO PASSENGER

PURCHASE DETAILS

WEBSITE

WHERE DID ITGO WRONG THIS TIME?

eWAY’s bank (NAB) refuses to open an account for ‘this industry’

Can use this if you already have an eWAY account or already have a merchant account.

WHERE NEXT?

Will try to open an eWAY account in New Zealand.

NZTC have an eWAY account which will be used.

Will probably go back to Stripe in Australia.

Implement payments with the app

APP PAYMENTS

Two applications

Booking with the app – details supplied in the booking

Payment for other trips

Passenger will enter a code to link to the fare payment screen in the car

App will get fare from the car

Passenger authorizes payment after possibly adding tip

Driver screen records payment

SUMMARY

Operator bookings

eWAY payments available now for anyone with an eWAY account

Stripe payments will be available when passenger can enter details.

App bookings

Payments through app coming next

Other payments (hail)

Coming later