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 if cardholder not entering number (PCI DSS Compliance)

STRIPE First Implementation

CREATE THE BOOKING

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 IT GO WRONG? Not yet available in New Zealand Numbers not entered on accredited network

EWAY Second Implementation

CREATE THE BOOKING

REQUEST TO PASSENGER

PURCHASE DETAILS

WEBSITE

WHERE DID IT GO 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