1. mobile payments for everyfone
Henryk Kulakowski, Founder

2. MASSPAY is a pure software mobile
payment system that works today on any
phone with unmodified headsets and none
of the disadvantages of SMS or NFC

3. While recognized, validated needs
for cash replacement exist, only
complex, limited, and niche
solutions have been proposed
with no sustainable business
models
MASSPAY
Without involving new parties, or
infrastructure upgrades, MASSPAY turns
ANY mobile phone into a universal and
ready-to use transaction instrument,
TODAY
opportunity

4. the problem: cash is (still) king
8 out of 10 payments are cash transactions
9 out of 10 people have mobile phone
and
How to use mobile to compete with cash payments:
(1) with minimum new investment, while
(2) avoiding undue complexity, and
(3) avoiding niche mentality?

5. the solution
1. Scan the merchant
sticker or dial the
number
2. Confirm transaction
details & authorize
the payment
3. Receive confirmation
221003521
MASSPAY
Payment $3,99
to Coffee Heaven,
Market Str. SF
(221003521) from
HSBC account
($2294)
Accept by PIN:
0-options
3247
MASSPAY
Payment $3,99
to Coffee Heaven,
Market Str. SF
(221003521) is
processing. Please
wait for SMS
confirmation
MASSPAY
123456789012
Payment $3,99
to Coffee Heaven,
Market Str. SF
(221003521)
accepted.
Free cake at next
order over $5!
from any phone; dedicated app optional

6. the vision
if you know how to dial
you know how to pay

7. transaction types
payment
cash
withdrawal
cash in
money transfer
money remittance
E/M-commerce
E-ticket
E-parking
InApp paymentphone
topups

8. Smart/Hbb TV
E-commerce
Tablet
SmartphoneFeature
phone
POS
ECR
ATM
M2M
Broadcast
TV/Radio
Printed media
payee’s
access channels

9. Merchant (Payee)
Acquirer
Issuer (Bank)
Clearing &
settlements
% of fee
% of fee
MNO
business model
Consumer (Payer)

10. source of funds (payer)
Payment
cards
Bank
accounts
SVA Telco
bill
Loyalty/gift
cards

11. the team
18 industry professionals, 6 widely recognized leaders
Previously with T-Mobile, Nokia, Microsoft, Huawei
FirstData, mPay, GTECH, VISA
Team: Marketing (1), Sale (1), International development (1), Operations (4),
Finance (1), System Architects (2), Software Developers (5), Project Manager
(1), Board Assistant (1), CEO (1)

12. the market
6.8B mobile
subscriptions
30%
smartphones
with active
mobile Internet
NFC
iOS,
Android
875B cash transactions
(2009, EU+USA)
18%
payment
cards
masspay

13. ¾ of the population doesn’t use smartphones
Source: Google 2014
Source: Comscore 2014

14. e-commerce
Retail payments
Lack of single scenario
Undue complexity
Lack of universality
Immature infrastructure
Competition is extremely fragmented, requiring new handsets or
SIMs, software downloads; and limited to certain networks
P2P transfers

15. USERS MERCHANTS
o Simplicity, intuitiveness
and convenience
o Single transaction scenario
(e.g. online & offline use
cases)
o Affordability
o Bridging the digital divide
o Increased revenues – no lost
sales, promotional & loyalty
channel
o Reduced operational costs - in
cash handling
o Low investment & operational
cost, modest implementation
effort
o Security and reliability -
guaranteed payments
the benefits

16. IP protection
• Four original inventions
• Patents granted
– US, Algeria, Morocco, Ukraine, South Africa, New
Zealand, Indonesia, Madagascar, Turkey, Mexico,
Columbia, Sri Lanka, ARIPO (Africa)
• Patents pending
– over 60 countries
• Internet domains, trademarks