Airpay - Omni Channel Payment Solutions

Copyright Airpay Payment Services Pvt. Ltd.

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Traditional E-Commerce Multi-Channel Omni-Channel

Customers shop at brick & mortar stores

C u s t o m e r s s h o p online through e - c o m m e r c e websites

Customers shop via multiple channels: retail stores & online

Customers engage a n y w h e r e v i a integrated, seamless experiences

Omni-channel means our stores, website and mobile devices are all working in unison- and seamlessly behind the scenes – to the benefit of the customer.

We are driving the customer online and online customers into the stores. We are using mobile to feed both stores and online.

‘‘ ‘‘

- Macy’s Inc.


Retail is changing but transactions remain at the heart


airpay offers online & offline integrated payment solution

airpay facilitates, payment acceptance using any payment instrument across multiple channels


Website & Mobile

Call Centre / Sales Offices

Stores & Distributors

COD (Cash on Delivery)

airpay offers an online & offline integrated payment solution across touch points


airpay offers online & offline integrated payment solution offering multiple instruments 55+ Payment

instruments

Credit Cards (Master / Visa, Mastero, Discover, Diners)

Debit Cards (Rupay) 45+ Net Banking Options

Cash Cards (Itz Cash, Oxigen) IMPS AMEX

Loyalty Cards Mobile Wallet Telco Billing

Cash Collection Centres


Our system gathers business intelligence & compares it to global datasets to ensure best in class service

Proactive Intelligence

Pre-empt Fraud

Operational Efficiency & Revenue Growth Dynamic dashboards | Detailed platform level reporting

(No Emails / No additional paperwork / No Phone calls)

AUTOMATED TOOLS Online Refunds Chargeback settlement Proactive risk assessment

SMART TRANSACTION ROUTING Automated failover Switching between banks Fastest transaction routing ONUS / OFUS card routing

MIS & Realtime Reports (web / mobile) Dynamic dashboard Detailed platform level reporting Integrate your existing ERP / SAP

Payment Innovations Instant Discounts (Marketing Initiative) EMI Solutions Cash Back Single check out Subscription billing


To focus on verticals servicing repeat customers

• FMCG Companies (Sales & Services) • Consumer Durables • School Fee Collection • Society Maintenance Charges • Hotels & Restaurants Chains

Frequent & repetitive billings, not once in few years

Repeat Transactions

our philosophy


T + 2 Money in the banks (Reconciled with detailed MIS)

55+ Payment Instruments

Reconciliation &

Settlements

Billing &

Collections

airpay facilitates, payment life cycle offering end to end solution

Sales Channel

Acceptance

PCI Certified Platform

Customers Merchants

EMI &

Cash Back

Instant Discount


airpay facilitates, forward & backward integrations for transactions

Forw

ard

Inte

grat

ion

Backw

ard

Integration

hotelpay

schoolpay

societypay

inovoicepay

smspay

nowpay

Existing ERP

CRM

SAP


Save Integration Costs ~ INR 2 Lacs (per channel)

~ 10% AMC Charges (per channel)

~ License Costs

~ Headache of adding NEW channels (Planning, negotiation, integration, testing time

Save Operations & Manpower Costs ~ 10 hours integration (per channel)

~ 2 hours daily reconciliation & Settlements

~ Multiple coordinations with finance & banks

~ Single window for all billing, reconciliation , refund, chargeback

airpay, SPOC (single point of contact) for payments


our business model & pricing


airpay

Proposition

• Integrated Online & Offline Payment solution

• Simple pricing model

• Risk & Fraud Management Module (Verify your transactions)

Solution

• Single account multiple payment solutions

• Hierarchal account management for multi outlet merchants

• Round Robin transaction execution

Differentiation

• Proprietary Technology built in-house

• Customer-centric approach for a frictionless experience

• Vertical focused payment solutions


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use case


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Website & Mobile

Website SDK / APP

Cash Deposits

Call Centre

IVR InvoicePay

SMSPay

Stores

MPOS InvoicePay

SMSPay

Home Delivery

MPOS InvoicePay

SMSPay

• Credit Cards • Debit Cards • Pre Paid Cards • Net Banking • Cash

• Credit Cards • Debit Cards • Pre Paid Cards • Net Banking

• Credit Cards • Debit Cards • Pre Paid Cards

• Credit Cards • Debit Cards • Pre Paid Cards

Payment Instruments

Touch Points


shopping cart - website & mobile (responsive payment page)


• Payment Gateway • Credit Cards & Debit Cards can be processed

Visa/MasterCard/AMEX/Rupay/Mastero/Diners/Discovery

• Net-banking • 45+ banks are available for payment through internet banking

• IMPS • Customer can make payment using IMPS as an option

• Prepaid Cards • Oxigen / ItzCash / Etc.


mobile devices


Airpay has a SDK (software development kit) for all the mobile operating systems

• Android, iOS, Java, Windows, Blackberry

Acceptance Channels

• Payment Gateway • Net Banking • IMPS • Pre Paid Cards


call centre & sales offices


• IVR (Interactive Voice response) • Accept credit / debit card payments on the fly

• InvoicePay & SMSPay • Call Centre executive, will be able to take the booking on the

phone & then email / SMS the invoice to the customers • Customer will have the option to make the payments thought his

(PC/Tab/Mobile) • Credit Card / Debit Card / Net Banking Payment options (over

45+ payment option)


cash deposit


• Consumer finds deposit locations by sending a SMS to 54646 – “cash <pin code>” • Pin code – the pin code he is in, required field

• SMS response goes out with 2 location addresses • Consumer goes to the deposit outlet and pays the money by giving the agent the

“airpay transaction id” • The agent updates the partner system with the “airpay transaction id” and

payment amount received • Airpay system is notified of this update via an API in real time the “payment status”

of the order as “Authorized” and notifies merchants of value added


COD - Cash on Delivery - FOS - Feet on Street (Sales)

• Tablet Payment Solution • FOS (Staff) will go & sell / services the products door to door, they can

now collect the payments using:

• Mobile Application Payment • Tablet Browser Payment • SMS Invoice Payment • Mobile POS Collection



stores & distributors (m-pos -Mobile POS)

• Integrate the airpay payment solution to collect payments at the doorstep:

• Mobile Application Payment

• Tablet Browser Payment

• SMS Invoice Payment

• Mobile POS Collection


SMS Link with the payment hyperlink sent

from centre

Customer can preview Invoice

& PAY on Mobile

Customer Details already captured from the registered Mobile Number & also acts as

the confirmations to show the data

Short Code Billings

Customer can SMS codes TS150 to 54646


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Credit Card payment options

Debit Card payment options

45+ Net Banking payment options

Payment Successful We will pass the confirmations to the merchant


teamour story

We met in 2010 to build India’s Largest Entertainment portal www.hungama.com. While working on the portal we realised the difficulties & operational challenges we had to go through to integrate multiple payment instruments across the channels. The process got more complicated once the portal went live because of the multiple partners we had to work with.This was our eureka moment. We sensed a large untapped opportunity in the payment space. In 2013, we embarked on our journey to build India’s first online and offline payment solution company to offer merchants an integrated instrument and channel agnostic solution. An opportunity to simplify their payment collection and concentrate on their core business.

what we bring to the table

Over 60 years of work experience, across diversified industries in India. Experience of working in startups, successfully launching new companies and new business verticals in large organisations. Expertise across Marketing, Product, Technology, Business Development, Sales and Services.

People •Kunal Jhunjhunwala •Amit Kapoor •Rohan Deshpande

Board •Utpal Sheth, CEO, RARE Enterprises •Rajesh Jhunjhunwala •Neeraj Roy, CEO, hungama.com

http://hungama.com


DISCUSSION amit kapoor [email protected]

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mailto:[email protected]

Airpay - Omni Channel Payment Solutions

Business

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