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This agenda outlines the background, recent history, and future options for ApplyTexas online payments. It discusses the evolution from batch processing to real-time online payments using vendors like Verisign and Paypal. The considerations for adopting new payment methods, including features needed, PCI compliance, and leveraging vendor contracts, are explored. The pros and cons of transitioning to new payment systems are weighed. Discussion questions focus on concerns, current payment processes, constraints, willingness to change, and factors influencing decisions.
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June 22, 2010 ApplyTexas PaymentsTim Tashjian
Agenda • Background • Recent history • Some pictures • Possible future options • Considerations DISCUSSION
Background • In the beginning there was the ‘batch’ option • Collect card number online • Send it to college/university attached to the admissions app • College/university processes the payment via their own machinery • Still in use • Of 43 institutions accepting credit cards, 25 use this option
Background • Hey, let’s do online app fee payments • Can make payment real-time • Can ensure payment made before submission of admissions app is complete • No handling of card info by colleges/universities for app fees
Background • Selected Verisign • Cost paid per transaction by colleges/universities to Verisign • Paypal acquired Verisign • Rebranded Verisign Gateway as Paypal Gateway
More recently… • From schools to the Advisory Committee • “Do we have to use Paypal?” • “Can we have other vendors, please?” • “We already have a deal with this other vendor – can we use that?” • Committee said “good idea”, let’s look at this • Now for some pretty pictures…
Current – batch What the applicant sees ApplyTexas While behind the scenes SPEEDE server EDI file w/CC nbr controls Processor/ Bank What the university/ college sees AT Admin Card Processing
Current – online What the applicant sees ApplyTexas While behind the scenes PayPal Processor/Bank controls controls What the university/ college sees AT Admin PayPal Admin
Future – online #1 What the applicant sees ApplyTexas While behind the scenes 3rd Party Processor/Bank controls controls What the university/ college sees AT Admin 3rd Party Admin
Future – online #2 What the applicant sees ApplyTexas 3rd Party While behind the scenes Processor/Bank controls controls What the university/ college sees AT Admin 3rd Party Admin
Considerations • What features do we need? • Real-time processing • Interface to/from ApplyTexassite (with a *reasonable* level of effort) • PCI compliance
Considerations • What features do we want? • Ability to leverage combined weight of Texas schools to get a good deal • Ability to use existing vendor contracts because of sole source or better deals • Eliminate batch method (okay, *I* want that)
Considerations • Pros • Likely would result in some savings • More control by colleges/universities over their payment options • Easier PCI compliance • Cons • Initial development costs by ApplyTexas team • More vendor options, therefore more effort to learn and understand those options
Discussion • What are your concerns, needs, wants? • How do you currently process payments? • What are your constraints? • Are you considering a change? • Would this affect your decision?