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Payments for platform businesses
Making Sense of PaymentsBill Clerico, CEO and Co-Founder April 2014
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Ted Ed
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$0M
$2M
$4M
$6M
Q1 Q2 Q3 Q4
Yapew Gross Merchandise Volume
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1234 5678 1 34 5678JANE SMITHvalid from expires08 / 10 08/14
1234 5678 1 34 5678JANE SMITHvalid from expires08 / 10 08/14
1234 5678 1 34 5678JANE SMITHvalid from expires08 / 10 08/14
1234 5678 1 34 5678JANE SMITHvalid from expires08 / 10 08/14
1234 5678 1 34 5678JANE SMITHvalid from expires08 / 10 08/14
1234 5678 1 34 5678JANE SMITHvalid from expires08 / 10 08/14
1234 5678 1 34 5678JANE SMITHvalid from expires08 / 10 08/14
1234 5678 1 34 5678JANE SMITHvalid from expires08 / 10 08/14
1234 5678 1 34 5678JANE SMITHvalid from expires08 / 10 08/14
1234 5678 1 34 5678JANE SMITHvalid from expires08 / 10 08/14
1234 5678 1 34 5678JANE SMITHvalid from expires08 / 10 08/14
1234 5678 1 34 5678JANE SMITHvalid from expires08 / 10 08/14
1234 5678 1 34 5678JANE SMITHvalid from expires08 / 10 08/14
1234 5678 1 34 5678ANE SMITHalid from expires
08 / 10 08/14
1234 5678 1 34 5678ANE SMITH
expires08/14
Merchant of Recordn. [mur-chuhnt uhv rek-erd]
ACH
ACH
ACH
ACH
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Aggregatingv. [ag-ri-geyt-ing]
Acquirern. [uh-kwahyuh r]
1234 5678 1 34 5678JANE SMITHvalid from expires08 / 10 08/14
1234 5678 1 34 5678JANE SMITHvalid from expires08 / 10 08/14
1234 5678 1 34 5678JANE SMITHvalid from expires08 / 10 08/14
1234 5678 1 34 5678JANE SMITHvalid from expires08 / 10 08/14
1234 5678 1 34 5678JANE SMITHvalid from expires08 / 10 08/14
1234 5678 1 34 5678JANE SMITHvalid from expires08 / 10 08/14
1234 5678 1 34 5678JANE SMITHvalid from expires08 / 10 08/14
1234 5678 1 34 5678JANE SMITHvalid from expires08 / 10 08/14
1234 5678 1 34 5678JANE SMITHvalid from expires08 / 10 08/14
1234 5678 1 34 5678JANE SMITHvalid from expires08 / 10 08/14
1234 5678 1 34 5678JANE SMITHvalid from expires08 / 10 08/14
1234 5678 1 34 5678JANE SMITHvalid from expires08 / 10 08/14
1234 5678 1 34 5678JANE SMITHvalid from expires08 / 10 08/14
1234 5678 1 34 5678ANE SMITHalid from expires
08 / 10 08/14
1234 5678 1 34 5678ANE SMITH
expires08/14
ACH
ACH
ACH
ACH
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MarketplaceJOHN JACKSON!3D [email protected]!614.564.9821!!1567 Rose Ave, LA
JANE SMITH
916.325.8964!!
1667 March St, SF
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JOHN JACKSON!3D [email protected]!614.564.9821!!1567 Rose Ave, LA
Marketplace
1234 5678 1 34 5678JANE SMITHvalid from expires08 / 10 08/14
JANE SMITH
916.325.8964!!
1667 March St, SF
!
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Marketplace
Chargebackn. [charhrj-bak]
1234 5678 1 34 5678JANE SMITHvalid from expires08 / 10 08/14
JOHN JACKSON!3D [email protected]!614.564.9821!!1567 Rose Ave, LA Has Risk Exposure
JANE SMITH
916.325.8964!!
1667 March St, SF
!
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1099Kn. [ten-ninety-nine-KAY]
Chargebackn. [charhrj-bak]
Reconciliationn. [rek-uh n-sil-ee-ey-shuh n]
Disputesn-pl. [dih-spyoots]
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Regulatory Card Network Registration Money Transmission Licensing
Fraud/Risk Professional Fraud Merchant Underwriting Account Takeovers
Compliance PCI AML Policy KYC Operating Regulations
Operations Uptime/Scalability Dispute Processing Reconciliation Chargebacks
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Dispute Enginen. [dih-spyoot en-juh n]
!
KYCn. [kay-why-see]
Payment Service Providern. [pey-muh nt sur-vis pruh-vahy-der]
Risk Engine n. [risk en-juh n]
PCIn. [pee-see-eye]
AMLn. [ay-em-ell]
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Handles Risk& Compliance for Platforms
Seamless,Flexible UI
X
X
marketplace
connect
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�17
@billclericofor the glossary
of payment terms
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Confidential - Do Not Distribute
Payments for platform businesses
Thank You
�18
Follow me on twitter @billclerico
Download our Platform Payments 101 Paper
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