3G Direct Pay Limited provides an end-to-end online payments platform that allows providers to receive payments and customers to make payments for travel services across multiple currencies. It uses real-time payment technology and monitoring to process transactions and prevent fraud. The company's network includes over 26 airlines, 180 hotels, and 320 travel agents and tour operators.

3. Why 3G Direct Pay Limited ?
• Fills the gap between the providers and the consumers since 2006
• End-to-end online payments platform
• Pay online to any travel provider
• Be paid online by any of your customers
• All modes of payments and all currencies (USD, KES, EUR, GBP, TZS and more..)
| 3G DIRECT PAY LIMITED | MAR 2014 |20/03/14

4. How we do it?
| 3G DIRECT PAY LIMITED | MAR 2014 |
The Platform / Technology
• Real time payments platform
• Online and offline transactions
Customer Care
• To the provider
• To the consumer!
Fraud Prevention
• Real-time monitoring and screening
• Highly skilled team
20/03/14

5. How we do it?
Express B2B payments platform
• Any provider can pay online to other providers
• Real-time payment confirmation
• Easy to pay and easy to be paid
| 3G DIRECT PAY LIMITED | MAR 2014 |20/03/14

6. How we do it?
• mSwipe
• Mobile payment app
• Charge the customer anywhere and anytime
| 3G DIRECT PAY LIMITED | MAR 2014 |20/03/14

7. | 3G DIRECT PAY LIMITED | MAR 2014 |
Our Network 26 Airlines, more than 180 hotels, more than 320 agents & tour operators
20/03/14

8. FRAUD PREVENTION
MAR/2014
3G DIRECT PAY LIMITED

9. Worldwide Fraud Trends
source: http://www.theukcardsassociation.org.uk
20/03/14 | 3G DIRECT PAY LIMITED | MAR 2014 |

10. Worldwide Fraud Trends
source: http://www.theukcardsassociation.org.uk
20/03/14 | 3G DIRECT PAY LIMITED | MAR 2014 |

11. Worldwide Fraud Trends
source: http://www.theukcardsassociation.org.uk
20/03/14 | 3G DIRECT PAY LIMITED | MAR 2014 |

12. Where is the Risk?
Classic Fraud >> RISK LEVEL: low to med to the merchant
Stolen credit card
Identity theft
Merchant Fraud >> RISK LEVEL: high to the PSP (bank)
Fake agent
Professional fraudster
Friendly Fraud >> RISK LEVEL: low to the merchant
General dispute
20/03/14 | 3G DIRECT PAY LIMITED | MAR 2014 |

13. Online Fraud – How Does It Works?
Classic Fraud – Individuals
General Characteristics
Individual fraudster, One-time campaign, access to stolen cards list (low quality), no ‘fine’ details
The Service
Flight/s, One way, City hotel, One night, short term booking
Passenger
The fraudster, family member, friend
20/03/14 | 3G DIRECT PAY LIMITED | MAR 2014 |

14. Online Fraud – How Does It Works?
Classic Fraud – Mass operation
General Characteristics
Individual/group, professional fraudster/s, massive stolen cards list (low quality), acting as an agent, no close relationship with the
passengers, massive payment attempts, very low conversion rate
The Service
Flight, one way and return
Passenger
Not the fraudster, no idea that the service paid using stolen card
20/03/14 | 3G DIRECT PAY LIMITED | MAR 2014 |

15. Online Fraud – How Does It Works?
Classic Fraud – Professionals and Identity Theft
General Characteristics
Groups only – organization, stole cards list – high quality, access to the card holder details
The Service
Flights, accommodation
Passenger
The passenger is also a professional fraudster
20/03/14 | 3G DIRECT PAY LIMITED | MAR 2014 |

16. Online Fraud – How Does It Works?
Merchant Fraud
General Characteristics
‘well organized scam..’, mitigating the KYC procedures, designed websites, long term operations
The service
Detailed service, package, accommodation
Passenger
Fake but well designed identity
20/03/14 | 3G DIRECT PAY LIMITED | MAR 2014 |

17. The Concept
More intelligence and less barriers/check-points
Know your customer
Sophisticated monitoring surveillance system
Highly trained fraud prevention specialists
20/03/14 | 3G DIRECT PAY LIMITED | MAR 2014 |

18. Fraud Prevention - Technology
State of the art monitoring and control system
Real-time processes
Detect patterns
Detect threats
Block transactions
Isolate, tag and monitor
Specialized in the East African online market
All modes of payments
Credit/debit/pre-paid , mobile money, bank transfers and more
20/03/14 | 3G DIRECT PAY LIMITED | MAR 2014 |

19. Fraud Prevention – Instant Alerts
Real-time alerts
High risk patterns – known and new patterns
Combination of alerts and transaction/users block
20/03/14 | 3G DIRECT PAY LIMITED | MAR 2014 |

20. Fraud Prevention – Scoring
Mathematical module
Standard scale – multiple profiles
20/03/14 | 3G DIRECT PAY LIMITED | MAR 2014 |

21. Fraud Prevention – Screening
The Golden Rule
KNOW YOUR CUSTOMER
20/03/14 | 3G DIRECT PAY LIMITED | MAR 2014 |

22. Fraud Prevention – Procedures
Basic Check-List
Do I know this customer?
Service details
Customer details
Who is/are the PAX?
20/03/14 | 3G DIRECT PAY LIMITED | MAR 2014 |

23. Fraud Prevention – Procedures
Check-in
Ask the customer to present the credit card
20/03/14 | 3G DIRECT PAY LIMITED | MAR 2014 |

24. 20/03/14 | 3G DIRECT PAY LIMITED | MAR 2014 |