Sollution Guide from IBM Partner, Lightwell (http://www.lightwellinc.com). Simplify your payments acceptance with prebuilt, ready-to-deploy global payments solutions and services on the cloud. • Deliver a consistent, secure shopping experience across channels and devices • Accept payments on any device, anywhere in the world • Easily manage payments with a single view of settlement and accounts across channels • Leverage connections to over 170 payments types in over 70 countries • Significantly reduce risk of handling sensitive payments and customer information

1. IBM Commerce
IBM Payments Gateway
Simplify your payments acceptance with prebuilt, ready-to-deploy global payments
solutions and services on the cloud

2. IBM Payments Gateway
Highlights
• Deliver a consistent, secure shopping
experience across channels and devices
• Accept payments on any device, anywhere
in the world
• Easily manage payments with a single view
of settlement and accounts across channels
• Leverage connections to over 170 payments
types in over 70 countries
• Significantly reduce risk of handling
sensitive payments and customer
information
Accept nearly all payments methods
and reach new customers
As a global company, you understand the need
to accept any payment, through any method,
anywhere in the world. Take advantage of the
opportunity to reach consumers on connected
devices – smartphones, tablets, PC’s – with IBM
Payments Gateway. Accept payments
anywhere in your consumers’ preferred method
with a simple, scalable, deployment-ready
solution.
Consumers are increasingly using a wide range
of devices to discover, select, and pay for goods
and services. With IBM Payments Gateway you
can offer your customers a seamless, secure
way of checking out across devices. By
streamlining this process, you can reduce cart
abandonment and improve the entire shopping
experience.
Make payments easier
IBM Payments Gateway is a flexible solution
designed to give your customers an easy,
frictionless shopping experience, and give you
simplicity and visibility in payments acceptance
and management. This configurable offering
integrates seamlessly into websites, mobile
sites, smartphone apps and call center tools.
IBM Payments Gateway will help Merchants to:
• Reach customers shopping at home or on
the go
• Reduce cart abandonment rates
• Offer better shopping experiences for your
customers
• Gain visibility into payments across all
channels
Your customers will be able to:
• Pay with a wide range of methods
• Store payments credentials for easier future
purchases
• Pay with the confidence that sensitive
information is securely stored
This Software-as-a-Service (SaaS) solution from
IBM Commerce integrates with your existing
platform, and gives customers a consistent
payments experience. Embedded fraud
detection and powerful value-added services
provide you with a strong base for payments
acceptance and the capability to attain the next
level of insight with analytics.
Understand local market payments
systems – everywhere
Support your global growth with the brand and
scale of IBM. IBM Payments Gateway supports
over 170 payments methods in over 70
countries, and our knowledge of local markets
and payments needs gives you a true global
partner.
IBM has invested in attaining an in-depth
understanding of payments behaviors in key
local markets which will help guide your global
commerce program and optimize your revenue
and conversion rates. Our local market insights
program identifies:
• Payments options
• Local characteristics (installments,
descriptions and visual characteristics)
• Payments method surcharges
• Authentication codes
• Display order of payments options
• Payments method characteristics
This analysis gives you a robust, global view of
core and recommended online payments
options, and helps you understand and

3. IBM Payments Gateway
implement best practices in each of your strategic markets.

4. IBM Payments Gateway
A complete payments gateway and
settlement reconciliation solution
Features
Global reach with local expertise to
optimize conversion rates
• Fully localized payments checkout
experience in more than 70 countries
• Universally-accepted global payments
options
• 170+ supported payments types and growing
• Convenient one-click payments for returning
customers
• Gift cards
• Installments
• Pay with multiple cards
• Payments method surcharges and rewards
• Loyalty points
• Payments review
Full control over end-user experience
• Accordion-based Graphical User Interface
(GUI) design with fewest possible pages
• Checkout GUI delivered in an I-frame,
designed to blend seamlessly into your
websites, mobile sites and smartphone apps
• No disruptions, no inserted pages or pop-ups
from middlemen
• Customized payments option descriptions,
in-line advertisements, as well as customized
surcharge, reward and promotional
messages
Systematic elimination of exceptions that
prevent customers from completing
payments
• Dual processor setup
• Assumed approval
• Referral solution
• Reduced need for additional processors who
add cost, not value
• Credit hold
Data feeds designed to lower manual
workload and achieve straight-through
processing of payments
• Automated closing and (re-)opening of
accounts receivable (A/R) records
• Automated posting of bank and processor
fees
• Automated cash application and deposit
forecasting
Improved controls and lower settlement
reconciliation costs
• Bank and Payments Processor Reconciliation
• Controls over lost settlements, fees and
downgrades, settlement timeliness, and
foreign exchange
• Settlement reconciliation managed service
to reduce operating costs
Embedded fraud prevention options
• Verification of cardholder name, billing
address, security code, issuing country, bank
routing and account number
• Dynamic 3D secure cardholder
authentication
• Dynamic payments method restrictions
• Hot list and velocity checks
• Pre-integrated connectivity from leading
fraud specialist providers
• Identified maximum amount of fraud while
examining the some of the fewest possible
orders and lowering rejection of valid
transactions
• Rules-based checks
Payments processing
• Automatic handling of partial shipments,
amount deviations and expired
authorizations
• Support for referrals, returns, cancellations,
disputes, partial refunds, partial chargebacks
and reversals
• One-step and two-step, push and pull
payments
• One-time and recurring billing transactions
• Create and maintain customer accounts

5. IBM Payments Gateway
• Credit management with embedded credit
controls
Intelligent routing
• Full pre-authorization validation
• Independent authorization and settlement
routing
• Auto-recognition and auto-processing of
level 2 and level 3 card transactions, with
auto-filling of level 2 and 3 details
• Least cost routing of co-branded cards
• “On-Us” routing
• Configurable payments method restrictions
Easy Integration
• One common interface for global payments
• Single format with fully harmonized codes
and values across all tools, payments
methods, countries and processors
• Option to start with a basic solution and plug
in additional, advanced features later
• Add new countries and payments methods
with a single click
• Full suite of interface modules including
GUIs, web services Application Programming
Interface (API), Reports and Data Feeds
High Performance IT Delivery Options
• Our solution is delivered as a cloud-based
SaaS service, or as a fully-managed service
implemented in your own data centers
• High performance, maximum throughput,
and availability to minimize your checkout
abandonment or false declines
• Supports more than 6,000 payments
transactions per second
Compliance
• Payments Card Industry Data Security
Standard (PCI DSS)-certified solution and
service
• Single Euro Payments Area (SEPA)-ready
• Automatic compliance with card association
rules, National Automated Clearing House
rules, data privacy rules and Web Content
Accessibility Guidelines
Bank Independent
• Use existing payments assets and honor your
corporate banking obligations
• Immediate access to a global network of
banks and payments processors connected
to IBM’s platform
• Access to new banks and processors on
IBM’s roadmap
• Enablement of almost any other bank or
processor of your choice
Digital commerce payments -
simplified
Accept
Accept any payment anywhere with a
deployment-ready SaaS solution. IBM
Payments Gateway is highly configurable, gives
your customers a consistent shopping
experience across channels. Delight customers
with added services, such as card-on-file for
easy repeat purchasing.
Connect
Connect to over 170 payment methods in over
70 countries. IBM Payments Gateway will help
your business grow globally, with local market
analysis, worldwide support, and the globally
recognized IBM brand as your business partner.
Manage
Benefit from a single view of payments across
all channels and locations. IBM Payments
Gateway manages routing and automates
settlement, presenting your business with a
straightforward data feed and no settlement
burden.
Secure
Empower customers with the security to shop
with confidence, knowing their sensitive
information is saved in a PCI-compliant vault.
IBM Payments Gateway takes all payment
credentials, alleviating your business from
onerous, expensive compliance responsibilities.

6. IBM Payments Gateway
For more information
To learn more about how IBM Payments
Gateway services can transform your
customers’ and your own commerce
experiences, we invite you to visit:
https://ibm.biz/BdXBbk
Additionally, IBM Global Financing can help you
acquire the IT solutions that your business
needs in the most cost-effective and strategic
way possible. We’ll partner with credit-qualified
clients to customize an IT financing solution to
suit your business goals, enable effective cash
management, and improve your total cost of
ownership. IBM Global Financing is your
smartest choice to fund critical IT investments
and propel your business forward. For more
information, visit: ibm.com/financing.
ZZB03064USEN-00