Presentasi iPaymu - Indonesia Payment Processor

DID YOU KNOW… That Indonesia is the

FASTEST GROWING eCommerce market

in the world? Indonesia Online Payment Overview | 2013

Indonesia Online Payment Overview | 2013

SOCIAL MEDIA IS HUGE

IN INDONESIA

SOURCE : MASHABLE.COM/2012/11/01FACEBOOK-SALES

20% SHOPPERS PREFER BUYING

PRODUCT THROUGH BRAND’S FACEBOOK PAGE COMPARED TO

IT’S WEBSITE

START BUY THROUGH SOCIAL MEDIA


Increasing Middle-Class Wealth Stable economic growth of 6%, personal spending levels rising by 10%/year.

Intense competition between mobile companies is pushing prices down and raising consumer awareness.

Internet penetration in Indonesia is projected to double within the next 2 years.

Mobile-First Internet Market

149 Million Internet Users by 2015

INDONESIA – KEY TRENDS


INDONESIA – MOBILE INTERNET

Source: eMarketeer, 2013

DEVICES MAIN USES

Feature Phone

Smartphone

Tablet

86%

20%

7%

76%

45%

42%

Social Networks

Instant Messaging

Information Search

Source: Yahoo & TNS Global, 2013


POPULATION INTERNET USER 2013

INTERNET PENETRATION 2013

URBAN INTERNET PENETRATION

SMARTPHONE USER

SMARTPHONE PENETRATION

242,3 Million 72,7 Million

29% 57%

38,5 Million 24%

Source: eMarketeer, 2013

INDONESIA – KEY STATS

BEHAVIOUR Trust level relatively still low towards online shopping. The average shopper spends between Rp. 200 K – Rp. 500 K. PAYMENT OPTIONS Not many online payment options. Although credit card purchases are unpopular, ironically majority of establishments strictly provide payment via credit card. Only a handful of banks possess online payment facilities for ecommerce. MOBILE Majority of ecommerce websites are not mobile ready, yet smartphones and accessing the internet via mobile device have been increasing exponentially. LOGISTICS Currently, only 3 providers are prepared to support the logistics system needed for online shopping. This can cause shipping difficulties for the customer. REGULATIONS Companies have to face mix of complex bureaucracy and lack of regulation in this fast-growing sector.

TOP 5 INDONESIA E-COMMERCE ISSUE


INDONESIA – ECOMMERCE PAYMENT METHOD

Source: Direktorat e-Bisnis Ditjen Aplikasi Informasi Komenkoinfo 2012

CREDIT CARD DEBIT

14.7 Million in July 2013

Source: Indonesia Credit Card Association, 2013

63.6 Million in July 2013

Source: Merdeka.com, 2013

“There are 4 TIMES as many Debit Cards than Credit Cards in Indonesia!”

CREDIT CARD PENETRATION BANKING PENETRATION

4.5% 20%

INDONESIA – DEBIT vs CREDIT CARD

> 150 Banks in Indonesia Indonesia is an archipelagic country. Has more than 150 banks (International, local and regional Bank) all over Indonesia, as well as a “popular” bank within each city.

<7 Banks Ready for e-Commerce Less than 7 banks are ecommerce ready. Even then, such payments can only be made between those that have an account in the same bank. The difference between an online buyers – sellers (merchant) banks for ecommerce causes problems.

Webstore Merchant It is not easy to become an ecommerce merchant partner/having a merchant ID from the bank, whether for credit card services or debit transactions. Only webstore merchants with a reputable name is provided access, while new webstores or start ups tend to be difficult getting a merchant ID from the Bank.

INDONESIA – ONLINE PAYMENT ISSUES


Indonesia’s Internet and mobile use is growing exponentially while ecommerce players continue to increase and compete trying to grab a foothold in

Indonesia’s market.

The current issues affecting Indonesia’s online ecosystem be handled with subtle care as more and more non-bank online payment

provider arise such as

provide ease for online payment to help support the growth of Indonesia’s e-commerce.


“THE 1st INDONESIA ONLINE DEBIT E-WALLET PROCESSOR”

IPAYMU – PRODUCTS

CONNECTED WITH MORE THAN 137 BANKS. through ATM Bersama, Prima, Plus, Link and Meps networks. Includes both local and foreign major Banks in Indonesia.

CONNECTED WITH PT POS INDONESIA with more than 4000 outlets throughout Indonesia.

PAYPAL OFFICIAL PARTNER

IPAYMU – ADVANTAGES

How can you get an IPAYMU account?… As easy as 1… 2… and… done

For more information, go to: https://ipaymu.com/cara-daftar/

Make sure you have the correct Bank Name, Account Name and Account Number.

After filling out the registration form, you will get

IPAYMU’s VIRTUAL ACCOUNT NUMBER

then you can start doing transaction using all the services such as

Debit/e-wallet, Escrow & Cash withdrawal.

DONE!... You have Your own Ipaymu Account!

For more information about your Account Status, go to: https://ipaymu.com/status-akun-ipaymu/

As a member, with 1 IPAYMU account, you can instantly get

benefit as a Merchant for those who own a webstore.

Or…

with an IPAYMU Account, ALL MEMBERS (buyers)

automatically become MERCHANTS (sellers) as well.

Transaction Menu for IPAYMU Member.

Merchant’s Menu.

“You can be a BUYER & a MERCHANT (seller) with

1 (one) IPAYMU account”

BENEFITS FOR MERCHANT

EASY, OPEN SOURCE (API), PLUG & PLAY Integrated System for Webstore

yourwebstore.com

shoppingcart

online donationproduct subscription

transaction reporteasy checkout

1% fee/transaction

With Only

yourwebstore.com

NON MEMBER IPAYMUMEMBER IPAYMU

USER

“To activate PayPal services, merchants must have PayPal account”

Accept Payment from Member - NON Member IPAYMU and PayPal

TRANSACTION REPORT MEMBER & NON MEMBER

BENEFITS FOR USER (BUYER) Simple & Secure Payment!

Easy & Real-Time Top Up

Fast & Easy Online Transaction

“Easy & Real-Time Top Up from 137 Banks”

IPAYMU E-Wallet

Internet Banking Mobile Banking ATM Cash Deposit (only for CIMB Niaga)

IPAYMU – USER TOP UP

ESCROW “Secure Your Payment – Guarantee Your Online Transaction”

“ABC” ONLINE STORE

IPAYMU BUYER MEMBER “A”

IPAYMU ESCROW ONLINE STORE

“ABC”

Online Store “ABC” sells TV at a price of

Rp 1.000.000,-

“ABC” Online Store make TV delivery purchase to “A”.

Buyer Member “A” placed TV payment. Payment is suspended in IPAYMU Escrow system. In this case, the 2% Escrow fee (Rp 1.000.000,- + 2%) is charged to “A”.

1

2

3IPAYMU Escrow System

notifies payment confirmation TV

purchased from “A”.

4

Buyer Member “A” agree to purchase TV at “ABC” Online Store.

“A” confirmed the TV has been received from “ABC” store via email that has been provided by the IPAYMU

Escrow System.

5

Buyer Member “A” purchases using Escrow service, to make sure the item is received before paying.

6

IPAYMU Escrow System send TV payment from “A” after confirmation from “ABC” store. Escrow Transaction is successful.

NOTE: IPAYMU Escrow Service could only be used between IPAYMU members.

Service fee is 2% from the price of the product.

1. REGULAR ESCROW IPAYMU An integrated Escrow Service with IPAYMU member account. As a member, you will receive Escrow Service benefits. Regular Escrow service fee is 2% from the price of the product (charged to buyers).

2. PREMIUM ESCROW IPAYMU Premium Escrow Service that could be set up according to your needs. Merchant can adjust the Escrow Service as needed. Fees will become profit for the Merchant.

IPAYMU – ESCROW SERVICES

Escrow Service is a guarantee service from IPAYMU, customer can use IPAYMU ESCROW as an independent guarantor in every transaction conducted by the merchant’s online store.

For more information about Escrow Premium, please click: https://ipaymu.com/escrow-premium/fees.php

IPAYMU – PREMIUM ESCROW PROGRAM

Payment OpLons

Monthly

Yearly OR

AFFILIATION PROGRAM “Together We Can”

n  Affiliation or Referral Program is a program that we offer to IPAYMU Merchants.

n  Upon becoming an IPAYMU member, merchant partners can immediately participate in IPAYMU Affiliation/Referral Program where IPAYMU will give referral link that could be accessed by member merchant.

n  IPAYMU Affiliation/Referral Program gives all member a chance to receive commission by recommending others to register on the website as an IPAYMU user.

n  Merchant member will receive commission up to Rp. 25.000,- for every member with verified status or those who have Top Up and registered from the Referral website.

IPAYMU – WHAT IS AFFILIATION PROGRAM?

Affiliation Member

Total Affiliation Member

Affiliation Commission Fee

Total Commission Fee

1 – 10.000 10.000 Rp 10.000,- Rp 100.000.000,-

10.001 – 30.000 19.999 Rp 15.000,- Rp 299.985.000,-

30.001 > 20.000

Rp 25.000,- Rp 500.000.000,-

TOTAL MEMBER 49.999 Member

GRAND TOTAL Rp 899.985.000,-

IPAYMU Affiliation or Refferal program gives all IPAYMU members a chance to get commission up to Rp. 25.000,- for every new member (those with Verified status or have Top Up deposited Rp.100.000,-) who registered with IPAYMU through the referring website.

With only 50.000 new IPAYMU member, you will have a chance to receive Rp 900.000.000,-.

Let’s promote IPAYMU through link Referral on your website and make sure they register now!

IPAYMU – AFFILIATION SIMULATION

n  IPAYMU member will receive confirmation from Affiliation Program through their Referral web link for every member registered.

n  Commission fee will instantly issued to merchant member after new member’s Top Up deposit of Rp. 100.000,- (Verified Status)

IPAYMU – AFFILIATION PROGRAM

NOW READY! Coming Soon

IPAYMU – MOBILE APPLICATION READY

untuk INDONESIA!

Thank You

www.ipaymu.com

Presentasi iPaymu - Indonesia Payment Processor

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