The Mobile Phone as a Credit Card POS

After the much talked-about Square service, which turns any iPhone into a point-of-sale (POS) terminal for swiping credit cards, comes Card.io, which promises to do the same without the need to attach any additional hardware. Card.io uses the phone's built-in camera plus its pattern recognition software to read the card details. Hmmm... I don't know, but this sounds to me like a solution looking for a problem.

Retrieving Email from GMail using POP3 Programmatically with C#

I'm writing some new Dragonpay code to interface with UCPB's online banking system. I need to retrieve some information via POP3 protocol. POP3 is a very simple protocol using TCP stream over port 110. In fact, I've written code 15 years ago to retrieve email and read it over the phone using text-to-speech synthesis using Dialogic software. But the challenge this time is I need to get the data from Google's GMail.

Unlike regular POP3, GMail's POP3 uses SSL encryption. My limited knowledge on encryption does not extend to SSL encryption. So I did some research. The UNIX fetchmail program can retrieve GMail POP3 email with SSL encryption. But to run code after retrieving the email would require having to program with Linux and procmail. Since I mainly write in C# .NET, that was more trouble than its worth.

I eventually found my answer at Code Project -- http://www.codeproject.com/KB/IP/Pop3MailClient.aspx. Downloaded the code and it worked like a charm.

Enabling 3D Secure

I finally got around to enabling 3D Secure support on Mozcom PayEasy Online Payment System this afternoon. The "3D" has nothing to do with 3-dimension. Rather, it stands for "Three Domain" authentication. 3D Secure is an XML-over-SSL protocol that essentially allows the card-issuing bank to prompt the cardholder for a password during online payment instead of just relying on the easily-copied/viewable 3-digit CVV.

While there are not that many 3D Secure capable cards in the Philippines yet, that seems to be the global trend. And since our PayEasy merchants deal with customers from around the world, we have no choice but to support it. I heard in Europe, it is already a requirement for online merchants to comply.

Locally, enabling 3D Secure on your credit card can range from really simple to really frustrating. I enabled 3D Secure on my Standard Chartered today also. Its really straightforward. Just go to Standard Chartered Philippines and click on the Worry-Free Online Shopping link. It will just prompt your for basic info about your card (CVV, expiry date), your birthday, then the 3D Secure password you want, and an extra phrase that you want to be displayed in the 3D Secure page so you are sure its your bank's website. Really simple.

Now for the really frustrating -- Metrobank Card. At first glance, enabling 3D Secure on Metrobank credit cards also look trivial. Just go to their site and click the link to Secure Online Shopping (SOS). It will prompt you for your credit card number. When you click next, that's where the complexity begins. It prompts you for the SOS PIN which the bank is supposed to send to you via SMS.

I've already called Metrobank Card (Tel: 8700700) four (4) times for my SOS PIN in the past 2 weeks. Up to this date, I still have not received it. Everytime I call their call center, I would get some lame excuse (ex. system maintenance) and the phone operator would give some equally lame promise that I will receive it within the day. Up to now, nada, nil, zilch. Really poor service. Metrobank Card is a tie-up between Metrobank and ANZ of Australia/New Zealand. So its supposed to be at par with global standards. But my experience so far with them has been nothing but disappointing.

Dragonpay Blog

I wanted my Turnkey Wordpress appliance to maintain 2 separate blogs under the same website. According to my tech guy, the Wordpress content management system can only maintain a blog for 1 Wordpress "page". So its not possible to have the equivalent of 2 blogs under the same installation.

Since the main purpose of my Wordpress appliance is to host the main Dragonpay website, I decided to use an external blog for the Dragonpay Official Blog. For that, I went to my trusted Blogger account. I started a second blog under my same account. It seems that a single account can have an unlimited number of blogs under it. I picked a template; customized the host/domain name to use blog.dragonpay.ph instead of the default dragonpay.blogspot.com; and I was up and blogging in a few minutes!

I just got stumped with one minor hitch. I was wondering why articles I post stay as "scheduled" even if the time has already passed. After some tinkering, I found out that all new blogs are assumed to be based on US Pacific Standard Time. Since Manila is about 16 hours ahead of Pacific Time, there was a lag in the time my scheduled posts are being published. To change the timezone, you just need to go to Settings >> Formatting.

Checks to become extinct in UK by 2018

Here's an interesting piece of news I found -- the UK Payments Council has set a date of Oct 31, 2018 to phase out checks! The Council apparently will be shutting down the inter-bank check clearing house by that date. This is the strongest move I've heard of to push for online payments.

The author brings up an interesting point of what happens to the older generation who just don't want to go online? For e-commerce players, this is good news as this will open up more interest especially with direct bank debit payment options as it doesn't have the disadvantages of credit cards, and yet, have all the advantages of being able to do realtime payments.

A Rotarian for A Day

I was invited by the Rotary Club of Makati San Antonio to their weekly meeting at Sentro 1771 in The Fort. Their new "Smiling Visionary President" (SVP), Jon Arayata of Bayantel, is introducing the PayEasy online payment system into their website to accept payments for everything from donations to their projects, to payments of their membership dues. The online donation website of this Rotary chapter is http://rcmsanantonio.payeasy.ph.

The group was a rowdy and fun bunch composed mostly of accountants and telecoms/IT executives. They were very accommodating and friendly to newcomers (ie. potential recruits) which included myself. They're a small close-knit group of less than 30 people although probably only half of the total members were present tonight.

At the latter part of the event, I bumped into an old AdMU classmate - Monique Manalo. While I saw her name in the program sheet, I assumed that it must be another person of the same name. But as it turned out, it was a familiar face from 18 years ago! Very hard to believe it has been that long since I graduated from college.

Panic at PAL

Cols is still in GenSan so I was having a quiet morning eating siopao for breakfast when I got a cellphone call from Cols. She was at the airport already (this was around 9am) and she was in a panic. Apparently, the online ticket from PAL that I bought for her required that she bring along a photocopy of the credit card I used and an ID. She said that the counter was already closing and that I need to fax the data straight to PAL GenSan where they are waiting.

I hurried scanning my credit card and ID (had to leave my siopao behind) and ran to our fax machine. When I was a few feet away from the fax machine, it suddenly dawned on me -- our PLDT number at home has NDD disabled! Yikes! I did not enable it because in the past, we've racked up bills due to the maids calling their friends and relatives on their mobile.

So I had to go next door to my aunt (thank goodness for relatives/neighbors) and borrow her fax machine. Dialed the GenSan number of PAL where it rang... and rang... and rang... without answering! I gave Cols a call again on the mobile telling her I can't get through. And as it turned out, she was able to get her brother to pull some strings at the PAL office (you know how it is in the province where "connections" get you a long way).

I have bought tickets for Cols using my card several times in the past and this is the first time that the airline actually asked her for my card details. Or maybe it was because I mostly buy her Cebu Pacific tickets and CEB is not that strict whereas PAL is stricter. I guess all the credit card fraud is taking its toll in the airline industry. From what CEB told me, they previously required the passenger to show the card upon check-in, but eventually decided to stop doing it because it was too much of a hassle and that there were many legitimate purchases of one party of a ticket for another party (ie. the foreigner boyfriend buying ticket for his Filipina girlfriend -- how stereotypical).

Alternative forms of online payment like direct bank debit is really the better way to go. PayEasy will be supporting that hopefully by 1Q 2010.

Philippine Bank Codes

If you are a PayPal merchant (or planning to be one) and are trying to figure out how to take your money out of their system, you have basically two choices: have it transferred to your local bank account, or to have it credited to your credit card. Most people would prefer the former.

To do a bank transfer, go to your PayPal merchant profile page and set up a bank account to receive payments into. You might be puzzled when you see it prompting for your 9-digit bank code. This guy made an impressive list of Philippine bank codes and I'm quoting it here for convenience:

ALLIED BANKING CORP--- 010320013
ASIA UNITED BANK --- 011020011
BANGKO SENTRAL NG PILIPINAS --- 010030015
BANCO DE ORO (& EPCIB) --- 010530667
BANK OF COMMERCE --- 010440016
BANK OF THE PHIL ISLANDS --- 010040018
CHINA BANKING CORP --- 010100013
CHINA TRUST COMML BANK --- 010690015
CITIBANK N.A. --- 010070017
DEVT BANK OF THE PHILS --- 010590018
EAST WEST BANK --- 010620014
EXPORT & INDUSTRY BANK --- 010860010
LAND BANK OF THE PHILS --- 010350025
MAYBANK OF THE PHILS --- 010220016
METROBANK --- 010269996
PHIL BANK OF COMMUNICATION ---010110016
PHIL TRUST COMPANY --- 010090039
PHIL NATIONAL BANK --- 010080010
PRUDENTIAL BANK --- 010150018
PHIL VETERANS BANK --- 010330016
SECURITY BANK & TRUST CO --- 010140015
STANDARD CHARTERED BANK --- 010050011
UNITED COCONUT PLANTERS BANK --- 010299995
UNION BANK OF THE PHILS --- 010419995
UNITED OVERSEAS BANK --- 010270189

I'm adding the following which I gathered from Citibank Online:

Rizal Commercial and Banking Corp (RCBC) --- 010280014
Hongkong & Shanghai Banking Corp (HSBC) --- 010060014
Deutsche Bank --- 010650013

I'm not really sure what the leading zero is for. But taking Deutsche Bank for example, '1065' is actually the bank code while '0013' is the branch code. For some reason, it doesn't seem important what is the exact branch code of your account as they seem to be using only one 'branch code' for funds transfer purposes bank-wide. So as long as you enter the correct bank account number along with the codes above, it will get routed correctly.

Dragonpay is a PayPal Channel Partner in the Philippines and we can integrate PayPal payments into our consolidated payment screen.

PayPal Hangups and Rumors on Apple Entering the Payment Business

E-Commerce payment giant, PayPal, went down yesterday causing several e-merchants who accept PayPal payments to howl in uproar. The outage affected credit card processing for several online merchants.

PayPal provides payment processing for 75 of the 500 largest online retailers in North America, and 205 of those Top 500 retailers accept the PayPal electronic payment method, according to the Internet Retailer Top 500 Guide. PayPal says it processed an average of $2,000 in online payments every second in the second quarter; 55% of payment volume comes from its Merchant Services unit that processes credit cards and other payment types on behalf of e-retailers.

The downtime comes on the heel of another giant payment processor, Authorize.net, woes just last month. In the case of Authorize.net, the problem was caused by a fire in its data center. Several online merchants were also inconvenienced with the outage. This highlights the importance for maintaining multiple payment gateways no matter how reliable they present themselves to be.

On a stranger twist, Apple is rumored to be contemplating entering the game of online payment processing. Their strategy seems to be similar to Amazon's -- that is, to leverage their store accounts payment into a general payment platform for others. But I kind of doubt that kind of payment system will gain any popularity outside of their own iTunes store in the same way that Amazon's payment is not really used by anyone outside of Amazon.

Bancnet, Megalink and the Point-of-Sale System

I met with Bancnet people this morning and got the answers to my question on exactly how many cardholders they have with the transfer of PNB. Prior to the transfer, both Bancnet and Megalink have roughly the same number of cardholders -- 8 million each. But with PNB transferring its 2 million customers, that will tip the scale into Bancnet's favor with it now having 10 million and Megalink being left with 6 million. Ouch!

During the same meeting, I met with the representative of GHL, which provides the point-of-sale (POS) terminals for Megalink. I learned that these guys (Bancnet, Megalink, credit card companies) do not really own the POS-es out in retails establishments. They are owned and operated by third party companies who just share in the bank commission for such electronic payments.

So if Bancnet, for example, were to charge 2% from the retail establishment, that amount will be shared among the 3rd party operator, Bancnet, and the depository bank of the retail establishment. Interesting business model. I always thought the devices and the network was owned by the banks themselves. Looks like they outsource it as well.

In a stroke of coincidence, I had a meeting with another company called Merchant Express in the afternoon. While the topic of the meeting was PayEasy, I found out that these guys also operate a POS network similar to GHL. In fact, they claim to be the bigger player (with about 14,000 POS terminals) in this market which is cornered by these two companies. And they also operate their own switch which is interconnected already to Bancnet, BPI and RCBC Bankard (but not Megalink). They also acquire merchant accounts in behalf of the card companies and provide the terminal and switching. Each POS terminal costs about P20k.

Online Payment at Twitter -- what will they think of next?

Ok, so you get a wildly popular online payment system like PayPal and you link it with equally popular social networking tool-cum-blog Twitter and you get -- (drum rolls) TwitPay. Granted that it has some novelty, but I don't quite see what's the big draw though. Why would people want to sell things over Twitter? There's not much you can say in a 160-character-or-so Twit. You would probably just end up redirecting them to your actual e-commerce site where the real transaction will eventually happen.

Trouble Brewing at Megalink?

Megalink seem to be very low key for the past several years. While Bancnet has been adding more and more services -- from online banking, to point-of-sale, etc., Megalink seem to have stagnated with providing regular ATM service to its member banks. And lately, those member banks seem to be dwindling.

Even Megalink's Internet payment system is operated by Unionbank's The Port, and not by itself. So while PayEasy claims to support Megalink for its payments, in reality, we are limited to those banks who signed up with Unionbank/The Port. And because of political reasons, not all banks joined the initiative.

In what could be the biggest defection to date, I read a news announcement today that the Philippine National Bank (PNB) has switched to Bancnet. PNB is the 4th largest bank in the Philippines based on assets. By moving to Bancnet, they have become its 50th member. PNB brings a lot to the table with its 400 ATM's nationwide. This effectively expands Bancnet ATM nodes to 3,778 according to reports. So that means PNB represents more than 10% of the total ATM's in the Bancnet network!

Bancnet ATM cardholders now number more than 7M. This includes the 2 million ATM cardholders that PNB claims it has. The numbers look strange though. A year ago, Bancnet announced they had 6M users. So if 2M was added because of PNB, why is it only 7M? Surely, Bancnet is not capable of filtering duplicates (ie. cardholders with multiple Bancnet ATM cards from different banks).

This announcement also comes at the heel of another recent defection by Robinsons Bank. Granted that that is not a very large bank, still, it does not bode well for Megalink.

Trying Out Twitter

Everybody seems to be onto Tweeter nowadays. Its like a micro-blog or micro-diary of what you are doing at a point in time. Frankly, I still don't quite see what is so great about having a service that lets you type what you are currently doing in about 140 characters. But nonetheless, all the big name tech companies seem to have a Tweeter site. So here goes.

I created a Tweeter account for our online payment gateway, Mozcom PayEasy. The site can be accessed at http://tweeter.com/MozcomPayEasy. My first Tweeter username choice was actually just plain 'PayEasy'. But it looks like somebody beat me to it. And whatever that person did seem to be not so nice because Tweeter shows a message that the account has been blocked. Probably somebody doing a financial-related scam.

Just as Google seems to like indexing blogs, it also actively indexes Tweeter contents. So for those who are interested in search engine optimization, extending one's website to Tweeter seem to help in getting found. I made a couple of initial entries onto my Tweeter account, and within the hour, I started getting Google Alerts on PayEasy's Tweeter entries.

I also created a Twitter account for Picatoo at http://tweeter.com/Picatoo.

Online Payment Market Starts to Heat-up

Google has entered the online payment business with Google Checkout, but has not had much luck unseating erstwhile leader, PayPal. Now its Facebook entering the game. They look like they are more of a niche player who want to take advantage of their large registered user base to sell stuffs to each other.

And what's up with PayPal's new new API that is getting a lot of market buzz? Initial released documents show that its somewhat similar to Amazon's system. Initially called Adaptive Payments, it allows payment to be cascaded down a chain and allows a single payment from a customer to be "split up" to pay multiple suppliers. This can be useful if, for example, a shopping cart contains items from multiple suppliers.

New E-Commerce Player

Its a Saturday morning, but I woke up early to get dressed up and ready for the launching of our new Malaysian partner, Platform2u.com's SMilDS e-commerce platform at Makati Shangrila, 9am. They were referred to me by PayEasy's Malaysian payment gateway partner, iPay88/Mobile88. So PayEasy was announced as a major partner for this endeavor along with LBC and DHL.

The Platform2U guys rented the Rizal ballroom. There were about 30 tables and a grand stage. They certainly did not scrimp on the launching. Aside from the ballroom, they rented a separate function room at the 3rd floor for the press conference. There were several VIP's including a representative from the DTI, the Malaysian Ambassador to the Philippines, and Platform2u's chairman, who is apparently a former cabinet minister and member of parliament of Malaysia.

The name of their e-commerce platform is SMilDS. Personally, I find the name to be not too marketing-friendly. As a rule, I always tell clients to choose domain names that are easy to recall and does not require much explanation or instructions on how to spell. If you have to expain it, then it must be complicated. SMilDS (pronounced "smile-ds") is actually an acronym. I wish they could have chosen an easier-to-remember name.

A sister company of SMilDS is Easy Pha-max. Its a health supplement made from wheat grass. Their local celebrity endorser is TV host (Sports Unlimited) and former tennis professional athlete, Dyan Castillejo. During lunch at the Shang Palace chinese restaurant, I was seated beside Dyan and had a good time talking with her. She's really into the wheat grass product and even gave me a sample to drink. I have to admit that I did not like the taste though. Its probably an acquired taste as she said she drinks it at least 3 times a day.

Later in the evening, we had dinner at Speaker Perez because Cols' mom and grandma are in town.

Philippine Online Payment Expands to Europe and North America

We're announcing the integration of UseMyBank to PayEasy today. UseMyBank is a Canadian based online payment company that focuses on direct bank debits. By integrating with their system, PayEasy can now accept real-time online payments from Australia, Austria, Belgium, Canada, China, Germany, Netherlands, Switzerland, and UK.

What makes their service very different from the other gateways I've met is their anti-fraud screening mechanism. When you register or use UseMyBank for the first time, their automated system will perform a call-out to your number. You then need to key-in the 4-digit PIN that you see on your screen. Its their way of validating your telephone number. With this system, they claim to have at least a 99.9999% fraud-free transaction rate. That's great news for merchants who are used to dealing with credit card fraud.

Because of the very low rate of fraud, UseMyBank is popular with high-risk merchants such as online gambling and remittances. In fact, most of the online casinos use UseMyBank's service for getting funds from their bettors. These are two niche markets that we hope to tap into.

The Annoying Pinoy Habit of Using Salutation with Firstname

I went to Cebu Pacific's website to buy a couple of round trip tickets for the folks to Boracay this June.  Their reservation site was quite slow this morning -- probably lots of users trying to make online bookings.  After a couple of unsuccessful searches due to timeouts, I finally got through all the way to the payment page.  But after entering my credit card details and clicking the continue button, it timed out again.  I didn't want to re-do the transaction for fear that it will get doubl-posted.  So I decided to call their call center trunkline.

It took quite some time to get somebody on the phone.  Had to do a bit of navigation through their IVRS first.  Waited on the line for what seemed like 10 mins, then an operator answered the call.  I explained to him what happened and he proceeded to ask me questions regarding my booking.

The operator was obviously gay from his voice.  I heard that call centers have a disproportionately large number of gay operators because they supposedly have more patience and maybe can perform better under stress.  So much for the Odd Man Theory.

But any way, I digress.  For the record, I have nothing against gay operators.  But in this particular case, he was really getting into my nerves due to a mannerism he had (and his very strong probinsiyano accent).  He kept referring to me as "Mr. Robert".  In fact, he would end almost every other sentence with "Mr. Robert".

I really don't understand why Filipinos have this penchant for using the salutation "Mr." with the first name of a person.  Nowhere else outside the Philippines have I heard people use "Mr." with the firstname.  Its just not right.  You can call me "Mr. Chiang" or just "Robert" (or even "Sir Robert" if you want to show a certain level of politeness).  But calling me "Mr. Robert" is just downright wierd.  "Mr." has to go with the lastname of a person.

Everytime I hear somebody does this "Mr. firstname", I would cringe.  I would remember always this entertainment guy (was it Chino Trinidad?) interviewing George Clooney for his latest movie, and he kept calling him "Mr. George" on the tv show.  I wonder if George Clooney found it strange as well.  I think the only acceptable salutation that can be mixed with the firstname is "Dr." -- as in "Dr. Phil".

Aside from this "Mr. firstname" thing, I have to admit that the guy was polite and that he accurately answered my inquiries.  It seems that my transaction went through after all on the payment side, but it did not generate the necessary email itenerary probably because of the timeout.

Interestingly enough, about an hour after this incident, I got a call on my mobile phone from an "(no number)".  At first, I thought maybe Cols or the folks were trying to call me from South Korea.  But a very heavily accented lady was on the line.  She sounded like she was calling from an Indian call center.  I had to ask her to repeat what she was saying a few times before I figured out that she was calling in behalf of Standard Chartered (my card issuer) to confirm that I really made an online transaction using my card!  So I guess with all the airline online fraud happening, they are very wary of these things too.

Airline Online Fraud

I had a presentation to a big local airline today. I tried to convince them to use our PayEasy online payment system for their online booking. To prepare for my presentation, I did some studies of the airline online booking industry and was surprised with some statistics.

According to data compiled for the Airline Online Fraud Survey between Dec. 1 and Jan. 16 in an online survey conducted by Mindwave Research in the U.S., and phone interviews by Vanson Bourne Ltd. in the U.K., the airline industry lost US$1.4 billion to online fraud. The study was based on responses from 99 airlines. Low-cost or budget airlines suffered the most with 1.6% of their online sales came from fraud. Business-oriented carriers had a lower 1.1% fraud rate due to higher screening.

While online booking is risky, its the way to go. According to the same study, as much as 33% of airline booking on the average are now done online. This was confirmed with my meeting with the e-commerce head of the local airline. In their case, as much as 40% of their business is already coming from online booking!

They said they tried some time ago to require the passenger to show the credit card used for booking upon check-in, but eventually relented because it was too much hassle. A lot of legitimate passengers apparently do not buy their own tickets with their own credit cards. There were several cases of foreigners buying tickets for their "girlfriends" to meet up some place. So obviously, asking these "girlfriends" to show the card used for purchase would be impossible.

I was hoping to integrate the payment system of this local airline to PayPal, of which PayEasy is a Channel Partner. But it seems that PayPal is also cautious of airlines and require that there be a corporate presence in Singapore (for Asia-based airlines). This is not necessarily a problem for our prospect since they do have a Singapore office. But the rates are still quite high as compared to what banks offer locally for credit card payments.

Here's a longer story regarding the survey:

http://www.internetretailer.com/dailyNews.asp?id=29784

TV Taping for Makisig Network

I went to Marikina City Hall first thing in the morning to settle some taxes. Then I headed off to the Timog area to meet with Roger at the Makisig Network TV station. The traffic was horrendous at Commonwealth (in front of the new UP-Ayala Techno Park) U-turn section. There was a cycling event going on at the QC Memorial Circle that took out 2 to 3 lanes that contributed to the monster traffic jam.

I arrived at the station about an hour late. Makisig Network is owned by the Herma Group and is carried by SkyCable on Channel 76. It targets mainly the male audience and most of the programs are sports-related. One of our PayEasy merchant GameHopper, produces a show there called Pinoy Gamer. Its a show focused on all sorts of video games -- from PC-based to console-based.

So in next week's episode (which is the one we're taping today), the show interviews GameHopper to talk about their business. GameHopper basically provides subscription services to its huge catalog of console games. This includes all the popular ones from Sony PlayStation 3, Nintendo Wii, XBox 360, to those played on hand-held consoles. The all-original games are delivered to the subscriber and he/she can play it as much as he/she wants. GameHopper wanted to expand their business so they are working with PayEasy to accept all sorts of online payment options.

The studio was not that big -- maybe 50 to 60 sqm. There were 3 cameras shooting us, and the floor director just gave us basic pointers in blockings: where to stand and where to look. Then the hosts took it from there. During the 5 to 10 min interview of GameHopper's operations guy, I was called in by the hosts to talk about PayEasy briefly. To watch my full interview from that episode, click here.

PayEasy is now PayPal Channel Partner

After a couple of months of working with PayPal in integrating Mozcom PayEasy to it via 3rd Party Merchant API, we finally made the official announcements today at our news site -- http://www.payeasy.ph/news_paypal.html. PayEasy is now an official PayPal Channel Partner.

In a nutshell, that means we can now officially and legitimately integrate a merchant's paypal merchant account as part of the PayEasy payment options. Through the 3rd Party Merchant API, we can just make Express Checkout calls in behalf of the original merchant. But all payments go directly to the merchant's PayPal account. PayEasy just earns incentives through the Channel Partner program.

Integrating to the API via SOAP was not so bad. I was able to recycle probably a good 80 to 90% of the original code I wrote to integrate PayEasy to the PayPal DirectPayment API (which has already been renamed to Website Payments Pro) before I switched to the Website Payments Standard model which only uses HTML. The Standard model plus the instant notification mechanism was just not very accurate. We would often get a couple of transactions which cleared in PayPal but did not properly post back to PayEasy. With the SOAP API, this problem will be permanently resolved.

So aside from the major credit cards, local ATM cards, mobile payments and direct bank debit from most of the banks in China, Malaysia, Thailand and Vietnam, Mozcom PayEasy can now provide local merchants with direct PayPal payment capability.

I posted a free press release at:

Press Release: PayPal Integration Made Easier For Philippine Online Merchants