airpay - omni channel payment solutions
TRANSCRIPT
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Copyright Airpay Payment Services Pvt. Ltd.
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Copyright Airpay Payment Services Pvt. Ltd.
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.
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Copyright Airpay Payment Services Pvt. Ltd.
Retail is changing but transactions remain at the heart
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Copyright Airpay Payment Services Pvt. Ltd.
airpay offers online & offline integrated payment solution
airpay facilitates, payment acceptance using any payment instrument across multiple channels
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Copyright Airpay Payment Services Pvt. Ltd.
Website & Mobile
Call Centre / Sales Offices
Stores & Distributors
COD (Cash on Delivery)
airpay offers an online & offline integrated payment solution across touch points
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Copyright Airpay Payment Services Pvt. Ltd.
Customers Merchants
Internet Payment Gateway | Net Banking | IVR | Mobile POS |
| Telcos | Other Channels
Payment channels
airpay is the conduit between merchants & their customers
for all their transactions
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Copyright Airpay Payment Services Pvt. Ltd.
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
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Copyright Airpay Payment Services Pvt. Ltd.
Customers Merchants
Credit Cards (Master / Visa) | Debit Cards (Rupay) 45+ Net Banking Options | Cash Cards (Itz Cash, Oxigen) IIMPS | AMEX | Loyalty Cards | Wallets | Telco Billing
Cash Collection Centres
55+ Payment
Instruments
Internet Payment
Net Banking IVR
Mobile POS
Other Channels
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Our system gathers business intelligence & compares it to global datasets to ensure best in class service
Proactive Intelligence
Pre-empt Fraud
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Operational Efficiency & Revenue Growth Dynamic dashboards | Detailed platform level reporting
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(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
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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
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Copyright Airpay Payment Services Pvt. Ltd.
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
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Copyright Airpay Payment Services Pvt. Ltd.
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
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Copyright Airpay Payment Services Pvt. Ltd.
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
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Copyright Airpay Payment Services Pvt. Ltd.
our business model & pricing
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Copyright Airpay Payment Services Pvt. Ltd.
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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Copyright Airpay Payment Services Pvt. Ltd.
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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
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Copyright Airpay Payment Services Pvt. Ltd.
shopping cart - website & mobile (responsive payment page)
T + 2 Money in the banks (Reconciled with detailed MIS)
• 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.
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Copyright Airpay Payment Services Pvt. Ltd.
mobile devices
T + 2 Money in the banks (Reconciled with detailed MIS)
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
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Copyright Airpay Payment Services Pvt. Ltd.
call centre & sales offices
T + 2 Money in the banks (Reconciled with detailed MIS)
• 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)
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Copyright Airpay Payment Services Pvt. Ltd.
cash deposit
T + 2 Money in the banks (Reconciled with detailed MIS)
• 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
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Copyright Airpay Payment Services Pvt. Ltd.
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
T + 2 Money in the banks (Reconciled with detailed MIS)
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Copyright Airpay Payment Services Pvt. Ltd.
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
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Copyright Airpay Payment Services Pvt. Ltd.
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
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Copyright Airpay Payment Services Pvt. Ltd.
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