VTC Pay Presentation

VTC PAY E-WALLET AND
ONLINE PAYMENT GATEWAY
B U S I N E S S
P R O F I L E
Vietnam Multimedia Coporation (VTC)
https://pay.vtc.vn

Introduction
Achievements
Operation
Business Capacity
Security Capacity
01VTC Pay Overview
Page 4-13
02Products and Services
Page 14-28
03Cooperation and Development
Page 29-31
CONTENT
VTC Pay E-Wallet
VTC Pay Online Payment Gateway
Payment Services for Digital
Content
Cooperation Commitment
Contact
C

1.1 Introduction
1.2 Achievements
1.3 Operation Team
1.4 Business Capacity
1.5 Security Capacity
01VTC PAY
OVERVIEW
https://pay.vtc.vn

VTC Pay E-Wallet and Online Payment Gatewayhttps://pay.vtc.vn
5
Established in:
January 23rd, 2009
Mobile Applications:
VTC Pay
VTC Pay OTP
VTC POS
Head Office:
Hanoi: 23 Lac Trung St., Hai Ba
Trung Dist
Ho Chi Minh City: 128E Nguyen
Dinh Chinh St., Ward 8,
Phu Nhuan Dist
Da Nang: 158 Le Dinh Duong St.,
Hai Chau Dist
Business Scope:
Service Payment
Website:
https://pay.vtc.vn
1.1 Introduction

VTC Pay E-Wallet and Online Payment Gateway https://pay.vtc.vn
6
1.2 Achievements
2013
Splitting VTC Paygate into
VTC Pay and VTC365
Connecting to the International
Payment Gateway
Launching automatic vending
machines using VTC Pay
Account as payment method
2011
Becoming one of top
E-commerce Providers
in Vietnam
2012
Implementing the artificial
Kiosk System
2010
Launching VTC Paygate
E-Wallet - Original version
of VTC Pay & VTC365
2015
Certified the Payment Card
Industry Data Security Standard
PCI - DSS Implementing
Deploying Near Field
Communication Solutions
(NFC)
2016
Being licensed for supplying
the payment intermediates
Service by Vietnam State Bank
Award winner of the best
services and products voted
by Consumers 2015 (hold by
Vietnam Consumer Magazine
and Vietnam Government)
Deploying QR Code Payment
Solution
2010 2011 2012 2013 2015 2016

7
1.3 Operation
Technical Operation Department:
Managing and operating the data
system
Setting up, operating, managing
the network Equipment
Customer Care Department:
Customer Care
Supporting, troubleshooting
inquiries and complaints
Software Department:
Building up, developing,
managing the Core Database
System, payment connections
Creating the service software,
CMS system
Designing Department:
Designing 2D, 3D, Media, graphic
design material
VTC Pay
Developing online payment
network and Payment business
partnership
Pr and Marketing activities
Research and Development
Payment services

8
Location - Area
Data Center System (IDC)
Server system and
application technology
Number of server
200+
Constructed since: 2007
Upgraded in: 2010, 2012
Standard: Tier 3
Number of Physical server:
60+ E5-2680v3/32 GB RAM
Using Windows Clustering and SQL
Clustering to make sure service
safety, performance efficiency as well
as service data
Number of virtual server:
140+ 16 vCPU/32GB RAM
Using Cloud Computing on virtual
infrastructure to supply the
ready-to-use server, for data and
DR Site
1.4 Business Capacity
150m2
200m2
IDC Ho Chi Minh:
2nd Floor - 259 Dong Den Street –
Tan Binh District
IDC Hanoi:
2nd Floor - 65 Lac Trung Street

9
Sync/Async
Hosting System
Total capacity Backup DR Site HN-HCM
Device
150TB
EMC VNX7600 Local
Local/
Remote
Snapshot
Snapshot
Store: 120+ TB
IOPS > 100.000

10
IDC Ho Chi Minh City
2nd Floor - 259 Dong Den Street – Tan Binh District
IDC Hanoi
2nd Floor - 65 Lac Trung Street
Transmission infrastructure
VNNIC Hanoi
10GBs
1GB 1GB
1GB
1GB 1GB 1GB1GB
10GBs 10GBs 10GBs 10GBs2GBs
VNNIC Ho Chi MinhVTN Hanoi Viettel Hanoi Viettel Ho Chi MinhFPT Hanoi FPT Ho Chi Minh
Netnam Hanoi Netnam Ho Chi MinhCMC Hanoi CMC Ho Chi MinhVDC Hanoi SPT Ho Chi Minh

11
The Payment Card Industry Data Security Standard (PCI DSS) is a set of
requirements designed to ensure that ALL companies that process, store or
transmit credit card information maintain a secure environment. Essentially
any merchant that has a Merchant ID (MID)
The Payment Card Industry Security Standards Council (PCI SSC) was
launched on September 7, 2006 to manage the ongoing evolution of the
Payment Card Industry (PCI) security standards with focus on improving
payment account security throughout the transaction process. The PCI DSS
is administered and managed by the PCI SSC (www.pcisecuritystandards.
org), an independent body that was created by the major payment card
brands (Visa, MasterCard, American Express, Discover and JCB)
1.5 Security Capacity
PCI DSS CERTIFICATE OF COMPLIANCE
PCI DSS (Payment Card Industry Data Security Standard)
Since 18/06/2015, VTC Pay has been certified for PCI DSS certificate by
Trustwave Holdings, Inc.

12
Trigger the green light Stand out from the crowd
Displaying the green address bar
shows customers that you go
above and beyond the norm to
assure their security. Customers
will soon become accustomed to
looking for the green bar when
choosing which websites to
patronize. With an Extended
Validation SSL Certificate, your
site can attract these savvy
shoppers
Extended Validation (EV)
Certificates trigger a green
address bar on modern Web
browsers (such as Internet
Explorer® 7 and above), as well
as the familiar three signs of
security that today’s Internet
users expect to see: the closed
padlock, the https and an SSL
site seal from a respected
authority. Together, these four
indicators instantly show
customers that the website is
legitimate and that it has
phishing protection, making it a
safe place to transact business
Provide phishing protection
and prevent fraud online. EV
Certificates are issued only to
organizations eligible under strict
validation requirements, can be
purchased only from a select
group of Certification Authorities,
such as Network Solutions®, and
only after passing a rigorous and
thorough examination of your
business credentials. This
extended security examination
proves to customers that the site
is legitimate and they can trans-
act with confidence
Highest level of assurance for
site visitors
Highest level of assurance for
site visitors
With the ability to encrypt data at
up to 256-bits nsProtect Secure EV
SSL Certificates convert data into
virtually impenetrable code that is
safe from hackers and identity
thieves. A secured website helps
protect your client’s reputation and
guard against possible penalties
and criminal prosecution
EV SSL CERTIFICATE
EV SSL (Exented Validation SSL)
VTC Pay’s website - https://pay.vtc.vn/ - is secured by an Extend SSL
certificate provided by GlobalSign since 14/01/2016
https://pay.vtc.vn

13
ISO 27001 STANDARD OTP
ISO 27001 - 2005 Once Time Password Once Day Password
ODP
VTC Pay is certified with fully
standards of data safety in 2015
under the following criteria:
Internal information is protected.
Less than 3 of incidents relating
to data and business secret
leaks
Less than 5 of serious incidents
of data safety
Continuous operation of system.
The amount of time for server
interruption is less than 3 hours
and the number of interruption
does not excess 5 times/year
Less than 5 serious incidents
relating to system data safety
a year
The one time password used to
protect customers’ accounts after
each single transaction. There are
3 kinds of OTP: OTP SMS, OTP
App, OTP Matrix
OTP SMS
The password is used when
customers withdraw money from
e-wallet to their own banking
account.
Invalid within 3-5 minutes
OTP App
Automatically generate the OTP
and show the valid time, used to
verify the transactions. Invalid
within 30s
OTP Matrix
OTP Matrix Card is issued by VTC
to verify the transactions on VTC
Pay system
The password within 24 hours to
protect accounts after each
transaction, to be sent via SMS
and email. ODP can be used
multiple times within 24 hours
since receiving the messages
To change ODP limitation
send PAY ODP (money amount)
to 19001530
To cancel ODP
send PAY ODP HUY to 19001530
ODP security service via SMS
only support VTC pay account
using Viettel, Vinaphone,
Vietnamobile, Mobifone simcard
The fee of SMS banking service is
500vnd/sms. Including: ODP, OTP,
proactive message, card code sms

2.1 VTC Pay E-wallet
2.2 VTC Pay Online Payment Gateway
2.3 Payment services for Digital Content
02PRODUCT AND
SERVICES
https://pay.vtc.vn

15
Activated e-Wallet accounts
Monthly transaction amount
Daily transactions
400.000
30.000
6.500.000 USD
2.1 VTC Pay E-Wallet
VTC Pay E-wallet
is an electronic account created at https://pay.vtc.vn, allowing customers to store virtual money, which is equivalent
to the value of money in their bank account, and make payment online and/or offline without cash

16
ONLINE TOPUP OFFLINE TOPUP
FAST WITH DRAWAL CONVINIENT USAGE
E - W A L L E T O P E R AT I N G
F R A M E W O R K
31 domestic banks
International Card
ATM machines
Bank Counters
Bank Account Transfer money
Online Shopping
Offline Shopping
More Promotions,
High Discount

17
Verification Success!User fill
the infomation
User add the bank
account infomation
to account
System send
the verificationrequest
via SMS and Email
User activate
his accounts
by the code
E-Wallet: Customer’s phone number
Password: An 8-18 character string (concludes numbers, capital and normal characters)
Verification code: 6 character string
VTC Pay Regitration Process
1 2 3 4 5

18
VTC Pay E-wallet Topup Processs
1 2
563
7 8 9
4User
Bank/
International Card
Organization
Choose the payment method:
bank counter,
internet banking,
international card
Supplying the information
according to the option
System send verification
code via email and SMS
and request user to verify
transaction
Deduct from
user’s bank account
Add the amount of money to
the e-wallet account balance
Customer verification
(e-wallet)
Notify of successful topup
Verification success
Verify the transaction with
the code

19
VTC Pay Money Withdrawal Process
User
Bank/
International Card
Organization
1
Choose withrawal feature
and fill the information
Check whether the
information meet the
requirements or not
Check if the bank account
infomation is correct or
not
2
3
4
6
7
8
5
Create verification code
and send to customer
Verify transaction
by code
Check if the code
is Valid
Deduct the amount
of the account balance
Credit on user’s account
Dedit on VTC’s account
on Bank

20
Online Payment Service
User
Merchant
User access to merchant
system, buy products/
service
Choose payment via VTC
Pay, Fill the infomation and
choose make payment by
VTC Pay
Login VTC Pay
account
Create orders
Create verification code
and send to customer
Credit on user’s account
Dedit on VTC’s account on Bank
1 3 4 7
9
5 6 8
2
Check whether the
account information and
account balance are valid
or not
Verify the transaction
with the code
Delivery

21
Point of Sales Payment
Q R C O D E
P AY M E N T
The solution using QR code to
make payment via VTC Pay
E-wallet.
Food & Drinks Transportation Sport Learning Retail & Shopping Other Services

22
N F C
P AY M E N TThe near field connection method
which allows payment with VTC
Pay E-wallet
Food & Drinks
Transportation
Sport
Learning
Retail & Shopping
Other Services
1 TOUCH– TRANSFERRING MONEY
1 TOUCH– PAYMENT DONE

23
is a service providing technical infrastructure to connect between the
payment acceptance units and banks to assist customers to make
payments in e-commerce transactions, electronic bill payments and
other electronic payments
Supporting customer make payment quickly and easy via
31 domestic banks
3 international card
organizations
(VISA/ MasterCard/ JCB)
VTC Pay Online Payment Gateway
2.2 VTC Pay Online Payment Gateway
VTC Pay E-Wallet

24
VTC Pay Online Payment Gateway Operating Framework
Making online orders
Approve and
send transaction
Send notification
Delivery
Withdraw Cash
Transcipted
Data
Transcipted Data is transmitted directly to VTC Pay
Seller’s bank
Buyer’s bank
Buyer
Seller
Bank
1
5
4
3
2

25
Registering VTC Pay Account
within 10s
Supporting Cybersource
Tokenization Module Payment
Mutil level Sercurity for data
transmission with Token, OTP,
Secure 3D, PCI DSS Standard
Easy to integrate, compatible
with all technologies
No maintenance cost,
integration cost
Easy to withdraw money, real
time update to account balance
Guarantee to risk sharing if
chargeback rate is over 1% with
physical products and 5% with
Digital content Products
Products Advantages
To Buyer To Seller

26
Retailers at Social networks and
forums
Online digital content website
B2C website (online trading)
Payment, collection service
for telecommunications, TV,
Water/ Electricity charges
Hotel, travelling agencies
(abroad trading)
Charity organizations
(online funding)
Customers and Partners
Our Customers Our Business Partners

27
Using scratched prepaid Card as
payment method for service
In order to make payment,
customer need to fill the serial
number, card number
Using SMS connection and
telephone operator as payment
method
In order to make payment,
customers need to text messages
to a provided fixed dialing code
Vcoin Card System
Viettel Card System
Mobifone Card System
Vinaphone Card System
Vietnamobile Card System
SMS PaymentScratched prepaid Card Payment
2.3 Payment Services for Digital Content
Customer
VTC
Partners
Customers interact with partners’
service, using scratched prepaid
card to fill on the user interface of
service
VTC supplies connection gateways to verify cards with the information:
card type, card value and card status
Website
App VTC Pay Prepaid card
Payment Gateway

28
High revenue sharing rate
One connection – use all popular
cards
Compatible with muti-platform
products (Web, Wap, App)
Quick and accurate system control
with partners
Over 18.000 distribution points
located all over the country
Number of issued card 5 million
cards/month
High variety of cards from 10.000đ
to 1.000.000đ, meet customers’
requirements
Revenue sharing rate is about 90%
Easy and convenient payment
method, familiar with Vietnamese
customer behaviors
Payment support for 5 types
of most popular cards in the
market (98%): Viettel, Mobifone,
Vinaphone, Vietnamobile, Vcoin
Wide ranges of options, easy to
choose
VCOIN CARD
P R O D U C T
A D VA N TA G E S
MULTIFUNCTIONAL
PAYMENT METHOD
Our Customers Our Business Partners

3.1 Cooperation Commitment
3.2 Contact
03COPPERATION AND
DEVELOPMENT
https://pay.vtc.vn

30
Cooperation goal: Win - Win
Financial transparent
Maximum technical support
24/7 Customer Care
Lowest risk rate
3.1 Cooperation Commitment

31
Mr. Lucas Nguyen
Head of Global Business Development
Mobile: +84 983336226
Email: ducnm@vtc.vn
Skype: lucas_nguyen0728
Website: https://pay.vtc.vn
F O R M O R E I N F O R M AT I O N
P L E A S E C O N TA C T
3.2 Contact

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