What is MoneyBrace? MoneyBrace Review, Features

Shenzhen Lianyin Information Technology Co., Ltd. focuses on international credit card online payments, creates a new online shopping payment environment, adopts well-known overseas risk control service systems, and establishes a powerful and complete risk warning mechanism to ensure the security of merchant transactions.

Products and Services

1. International card payment

International card payment refers to a new payment method in which cardholders use international credit cards to pay. It is a payment channel specifically used to accept global international credit card payments.

2. Functional advantages

• MoneyBrace currently supports major international credit cards such as Visa/Master Card/JCB, including 3D/non-3D/delayed channel payment methods;
• Currently, it supports seven mainstream international languages, including English, French, German, Italian, Spanish, Portuguese and Japanese, for free. We can also create international credit card online payment pages in minority languages ​​according to customer needs.
• We have a strong technical team to ensure the reliability of the system; combined with PCI-DSS Level 1 security certification, NETSCREEN firewall, VeriSign EV SSL encryption certificate, MD5 digital and other technologies, we provide the industry's leading conversion rate and success rate;
• The internationally leading ReD credit card transaction anti-fraud system is used to conduct multi-faceted and multi-angle risk screening, providing merchants with a cardholder fraud risk prevention mechanism and merchant rights protection measures;
• In case of emergencies (such as disputes, chargebacks, bank investigations, etc.), MoneyBrace will help you coordinate through dedicated channels, reduce your financial and time losses, and help merchants maximize their rights and interests.

3. Product Classification

1. NPC Channel

• Fast access speed: if the information is complete, valid and available, access will be activated within one working day and transactions can be carried out on the same day of access.
• Support multiple card types: Support VISA, MasterCard, American Express, JCB, Diners Club, Nets card types, helping merchants to expand their markets to every corner of the world.
• Multi-currency transactions: Support multiple transaction currencies such as USD, EUR, GBP, JPY, CAD, and AUD.
• Safe and fast settlement: convenient and fast settlement, fast capital turnover cycle and avoidance of foreign exchange control risks.
• Unlimited payment: There is no limit on the single amount and monthly transaction volume for international credit card payments. Customers can apply for the channel based on their transaction volume.
• Security assurance system: internationally leading anti-fraud system, NETSCREEN firewall, MD5 digital signature, PCI security certification, VeriSign SSL certificate encryption, password security control, ReD risk control system, to ensure the security of every payment received through the MoneyBrace platform.

2. VIP Channel

• The perfect combination of online and offline, the transaction success rate has a great advantage;
• Review orders are handled flexibly to maximize revenue potential;
• A higher transaction success rate can improve credibility and increase orders.
• Order refunds are convenient and fast, and same-day processing can improve credibility and reduce BBE.

3. 3D Channel

3D channel: A credit card channel where the cardholder needs to go to the issuing bank for authentication (3D digital authentication or identity authentication) when paying. It requires the issuing bank, acquiring bank, card organization, cardholder, third-party risk control platform and identity verification.

• Personal password protection enhances the cardholder's confidence in online payment. When cardholders make online payments on the website of the issuing bank, in addition to entering the credit card number and expiration date, they also need to enter the personal password set when registering [3D Verification].
• Check your personal confirmation information to give you extra protection. When you register for [3D Verification], you need to set a personal confirmation information. After that, when you make online payments, you can check whether this personal confirmation information is correct to ensure that you are using the secure [3D Verification] online payment system.
• The 3D channel uses RMB as the transaction symbol. When cardholders pay on the merchant's website and do not know the exchange rate, they can go to the bank to fill in the information to find out.
• The usage is in line with Asian consumption habits and is mainly suitable for use in Asia.

4. Non-3D Channel

Non-3D channel (real-time channel): Cardholders only need to enter simple information and can pay without verification, which is in line with the consumption habits of foreign buyers.

• It integrates visa, master and jcb into one, and foreign cardholders can freely choose the payment card type.
• On the same page, fill in different card numbers to automatically block other card types, display only the JCB logo, and jump to the Japanese page.
• We adopt a powerful and complete early warning mechanism, combined with a risk control system, original functions and manual review methods to ensure the safety of every transaction.

5. JCB Channel

• Real-time online guidance during the payment process improves order conversion rate;
• Targeting Japan, Korea and surrounding markets, we provide precise and thoughtful services;
• The entire payment process is full of local flavor, which increases the audience's shopping affinity.

6. AE Channel

The American Express channel provided by Moneybrace is designed to provide overseas cardholders with more complete online payment services, increase the transaction volume of foreign trade merchants, expand exports, and accelerate the development of Sino-foreign trade.

• Real-time global outbound calls, never miss any order transaction opportunity;
• Targeting US buyers and surrounding areas, the service is more precise and thoughtful;
• It is a non-3D payment channel with a wide audience and high acceptance.

Data Center

1. Hosting and device management

2. Network Services

3. Management Services

IT Services

1. IT Service Management

• Change management;
• Service Level Management;
• Configuration management;
• Based on ITIL best practices;
• self service.

2. Business Intelligence

• Provides customer profiles and profitability analysis through a single view.
• Identify high-quality customers through customer segmentation, customer classification, and cost allocation, optimize cross-selling and up-selling opportunities, and increase the return on investment of marketing and sales activities.
• Deploy the most cost-effective service channels based on customer behavior.
• Integrated multi-angle risk assessment across product portfolios and products to enable ex ante risk control.
• Support for multi-currency analysis enhances liquidity and interest rate risk management.
• Provide comprehensive analysis of financial performance and benchmarking capabilities based on various business needs.

3. Application Development

The application development services of this enterprise solution are tailored to the customer's business needs, including application definition, design and construction, to help you meet the ever-changing business and technical challenges.

4. IT Consulting Services

In Hong Kong and Greater China, our enterprise solutions team is renowned for its excellent track record in designing, developing, implementing and maintaining IT projects for key businesses of many large-scale enterprises. Our enterprise solutions team has a large number of highly qualified experts and consultants who provide a wide range of consulting services, best practices and methodologies to help clients position information technology to meet their business development goals.

5. Software Localization

This enterprise solution localization methodology provides a flexible implementation solution, including six aspects: implementation management, dynamic content localization, business requirements localization, static content localization, and localization of pre-sales and post-sales support.

6. Testing Services

The enterprise solution testing service always ensures compliance with requirements and specifications, guarantees the correctness and completeness of delivery, controls risks by correcting errors and inconsistencies in a timely manner, and ensures that the quality of the software can meet customer satisfaction.

Value-added Services

1. Cloud backup service

2. Business recovery plan

3. Security as a Service

4. Database as a Service

Corporate Culture

• Vision: To become the best third-party credit card service platform in Shenzhen.
• Mission: To provide the best payment solutions for global businesses and consumers.