India payment aggregator in the e-commerce world

1. Payment
Aggregator
Too many e-commerce platform and no
uniform payment or comparison
platform
Satya Sandha Dash

2. Outline The Problem
Statistics
Solution Proposal
Satya Sandha Dash

3. The Problem
Satya Sandha Dash

4. Problem
statement
Each E-Commerce Platform has
it’s own payment Channel/Wallet.
There is no one uniform way to choose and
pay from all these
Today’s Situtation : Many Services -> Many
Platform.

5. Each user have
several digital
wallets.
How about one wallet for many
services.
Each time they have to re enter their paypal,
bank account or credit card information

6. 1
Digital Payment
India
Source : statistica

7. Top 3 Things to
do with Digital
Payment
● online shopping,
● payment of utility bills, and
● movie tickets
source:ibef
81%
Users preferring Digital
Payments over physical
solution

8. Who are our
users
People with smartphones or internet
access
Sadhu
She likes to track all the platform and pay the price
that suits her the best in one click payment

9. ➔ 50% of person-to-merchant transactions are to be under Rs.100, says the Google-BCG report
➔ Alternate digital payment instruments like digital wallets, UPI, payment banks, Bharat QR are
expected to grow fiercely
➔ and estimated to double their contribution to 30 per cent in the digital payment industry.
Some facts

10. Paypal India vs Paypal World
➔ For creating an account your PAN card no is mandatory. One need your bank account.
➔ For transferring money to your PayPal account you'll need your debit or credit card.
➔ PayPal has increased its transaction charges from 3.9% to 4.4%. So for 1000$ you will be charged 44$.
➔ One can not hold money in your PayPal account. So, when money is deposited to your PayPal
account, transfer it automatically transfer to your local linked bank account within 5–6 days.
➔ One cannot transfer the money from one PayPal to another PayPal account within India. You can only
use PayPal when you need to send and receive money from other country according to RBI Guideline

11. Solution Proposal
➔ Decentralized oracle network
➔ Smart contract
➔ API Gateway

12. Questions?