Eliminate Payment Fraud for Card not Present and Phone Orders

Conversational Payments

Customer’s calling in orders for products and services are still significant for a lot of businesses. People just like to talk to the business, be it a restaurant or trade like a plumber, get their advice, hear about any specials and then place the order. For many businesses this means accepting a credit card from the customer and this exposes the business to fraud and the customer to wayward employees. In this blog we address how Conversational payments can eliminate payment fraud for any remote or phone orders. We have partnered with AIB Merchant services to roll this out to customers, but we can work with any eCommerce service.

‘Customers of AIB Merchant Service market leading payment service, now have access to conversational payments and engagements, thanks to Payemoji’s Conversational AI service.’  

‍Mícheál Ó Gruagáin, Head of AIB eCommerce

How do Phone and Remote payments work today?

Here are the typical steps a business takes when taking a phone order

1. Customer Calls to place an Order over the phone.

2. Merchant takes the Customer Credit Card, and manually enters PoS.

3. Merchant triggers order to back office (e.g., kitchen in case of restaurant) to fulfill the order.  

What are the challenges with Phone & Remote payments?

While taking phone orders is critical for many businesses, it does expose the business and the customer to fraud risks.  

• No 3D Secure Authorisation by Bank / Payment provider.

• All fraudulent charges (e.g. fake, stolen cards) will be borne by merchant i.e. no chargeback.

• Increased Employee Fraud risk, employees have access to Credit Cards  

• Time consuming and subject to mistakes e.g., taking wrong CC details.

Eliminate Fraud with Conversational Payments

Payemoji and AIB Merchant services have combined to eliminate payment fraud for this type of phone and remote transactions.  

1. Customer Calls to place an Order over the phone.

2. Merchant triggers a conversational payment initiated by the Point of Sale (PoS) or a webform. Customer receives a payment request through their preferred communication (e.g., WhatsApp, email, SMS etc.).  

3. Customer pays (e.g., Apple Pay, Google Pay) and triggers 3D secure from Merchant’s bank.

4. PoS or employee fulfill order to back end, only for 3D secure authorised payments.

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Conversational Payments Benefits

There are many benefits to both the customer and to the merchant of conversational payments

• 3D Secure Authorisation eliminates fraud risk for merchant from Fake or Stolen cards i.e., Merchant is not liable for any fraudulent card charges and can claim back from bank.

• Merchant is protected in case of fraudulent charges.  

• Employees no longer have access to Customer Credit Cards. Customer’s credit card details are protected. Also, many customers’ uncomfortable sharing card details over the phone.  

• Streamline order taking and avoid mistakes e.g., entering wrong Credit card.

• Merchant can follow up with Customer e.g., Feedback, Specials etc.

• Merchant can integrate existing eCommerce stores (e.g., Shopify, Square etc.), allowing customers to shop through their favorite WhatsApp messaging app and checkout.

Pizza Hut Dublin Case Study example

Payemoji is delighted to offer Conversational Payments to Pizza Hut Dublin locations (Tallaght, Sandyford and Glenageary).

‘‘At our Pizza Hut locations we always look to provide the best customer service. For customers, that place orders over the phone, Payemoji in partnership with AIB Merchant Services provide us a secure digital payments service for our customers over WhatsApp, SMS, & email. The service setup and implementation were seamless and the Payemoji team did an outstanding job.’

Greg Bivol, Pizza Hut Tallaght, Sandyford, Glenageary

Executive Summary

Protect your Business and Customers with Conversational Payments and Engagements.

• No App to Download

• Trusted, Verified sender.

• Conversational Payments

• Import eCommerce Catalogues.

• 98% Open rates, 60% Click Through

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Sounds Interesting – Get in touch now.

We would love to chat with you about how your business could benefit from OMNI channel messaging and WhatsApp business platform with 4X conversion. Get in touch with us at sales@payemoji.com and we will schedule a call.

So go ahead and join the conversation by taking advantage of the 23 hours that consumers spend per week on their Messaging Apps and use that to grow your Business.

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