1.
July 2014
Digital Marketing Division
Draft : Fahdly
Payment & Delivery | API & Web Services

2.
Payment Methods
Logistics & Delivery
API & Web Services
Main Topics

3.
Current Payment Methods
1.Manual BCA Transfer
2.Manual Mandiri Transfer
3.Doku (Ongoing)
4.Mandiri Click Pay (Ongoing)

4.
Feasible Payment Methods
Bill Payment
E-Money
Credit CardInstant Payment
ATM
Internet
Mobile
Bank Transfer/
Virtual Account
Cash On Delivery
PRIMARY PAYMENT METHODS
The recommendation for Payment is to having 7 methods that separate in 2 scopes based on priority:
1. Primary payment methods (Bank Transfer (Bank Tail / Virtual Account), Instant Payment, Credit Card, COD)
2. Secondary payment methods (E-Money, Virtual Money, Bill Payment and PPOB).
PPOB

5.
Bank Transfer
Virtual Account
• Automated Reconcile & Real Time confirmation
• Each Order ID will get a unique Bank Account for payment
• BCA Virtual Account fee Rp. 5500*
• Mandiri / ATM Bersama network Bank Virtual Account fee varies
Rp. 2500 - Rp. 5000*
• Most ideal method for conventional Bank Transfer/ATM payment
• Scalable for high volume transactions
• Recommended
Bank Tail /Unique Number
Add an increment of Rp. 1 per Order ID to identify payments
I.e. Rp. 100.000 (+ Rp 1) = Rp. 100.001
•Manual Checking
•Most labor intensive work
•Not scalable
•Low/No cost for buyer
•Potential problems with unidentified payments
•Not recommended

6.
Instant Payment
KlikPay BCA / KlikBCA
• Automated Reconcile & Real Time confirmation
• Leased line required
• BCA fee Rp. 7500*
• KlikBCA is common and popular, however BCA doesn’t allow anymore
merchant in KlikBCA*
• KlikPay BCA is the new version of KlikBCA and less popular, yet.
• Scalable for high volume transactions
Mandiri Internet Banking / ClickPay Mandiri
• Similar to KlikBCA / KlikPay BCA services from Bank Mandiri
• Leased line NOT required
• Mandiri fee Rp. 5000*
• Easier to implement
• Automated Reconcile & Real Time confirmation
• Possible for Mobile Web Payment
• Scalable for high volume transactions

7.
Credit Card
Direct CC Processing to Bank with MIGS
• Direct connection to process Credit Card to the acquiring Bank
• Leased line NOT required (over 8W)
• Fee structure composed of variable transaction fees
2.2% - 3.5% + Fixed fee (Rp. 3000*)
Excl. Setup Fee + Monthly Fee*
• Risk will be burdened by Bank
• FDS and MDR included
3rd Party Processing with FINNET
• Preferred Credit Card processing method
• Leased line NOT required and easier to implement (6W)
• 2.5% + Rp. 3000* per transaction. Possibility to charge buyers for
the Fixed Rp. 3000 fee component
• Setup Fee of Rp. 15 Million and Rp. 2 Million monthly fee
(should ask for waiver/write off)
• FDS & MDR included
• Qoo10 adopt condition

8.
Bill Payment
Payment method through Telkom Phone Bill & FINNET
• Supported by the largest Telecom company payment network
via ATM, Internet Banking, Transfer, Cash Payment to various
Telkom payment channel.
• Easy to implement
• Good pricing of 3% per transaction
• Automated & Real Time

9.
Cash On Delivery
Key
Factors
Coverage Area
Existing coverage
JABODETABEK
Adjustable coverage
+/- 32 Cities
International
Delivery No Yes
API Ready No No
Tracking System No Yes
Warehouse No No
Cash Management Yes Yes
Transaction Fee
Not define yet
Est. 25.000 – 50.000 + Delivery
Fee
Standard Shipping Price
+ 2% transaction fee*
Settlement Bi-Weekly To be confirmed
Note Recommended for Jakarta Area
but expensive
Good for inventory model from
single delivery origin to multiple
destination
Potential Partners for Cash On Delivery

10.
Payment Point Online Banking (PPOB)
PPOB is a type or payment collection & processing service that allows people
without Bank Account or ATM (Non-Bankable) to make digital payment through
PPOB Agents.

11.
Sample Outlet : Payment Point Online Banking (PPOB)
Example of PPOB Software & Loket / Agents

12.
Sample Outlet : Payment Point Online Banking (PPOB)
Example of PPOB Software & Loket / Agents

13.
Sample Outlet : Payment Point Online Banking (PPOB)
Example of PPOB Software & Loket / Agents

14.
Sample Outlet : Payment Point Online Banking (PPOB)
Example of PPOB Software & Loket / Agents

15.
Payment Point Online Banking (PPOB)
PPOB Nusantara as an example have +14000 lokets/agents
•Agents have to top-up their account to pay for Bills
•Real Time Transaction & Host-to-host notification
Possible Utilization:
•Pay for Invoice / Purchases for people without Bank Account/ATM
•Drop Off points for COD / Product payment collection*
Web
Agents

16.
Payment Point Online Banking (PPOB)

17.
Mobile Application Payment
LAZADA LOJAI DISDUS
(GROUPON)
BHINEKA Qoo10 ID
- Bank
Transfer
(BCA,
Mandiri)
- COD
- Credit Card
- Bank
Transfer
(BCA, BNI,
Mandiri)
- KlikBCA
- Credit Card
- Bank
Transfer
(Mandiri)
- KlikBCA
- Credit Card
- Bank
Transfer
- KlikBCA
- BCA KlikPay
- Mandiri
ClickPay
- Credit Card
- XL Tunai
- Bank
Transfer
(BCA)
- Credit Card
- Paypal
- Deposit
- Qaccount
NATIVE
(Android)
HYBRID TOUCH
RENDER
HYBRID HYBRID

18.
Supported Payment
Fee
Whose
burden fee
Place of
occurs
How to check For adoption
Mobile
Payment
Credit card 2.5% + Rp. 3000
Les Femmes or
Buyer
When buyer
order
Automated &
Real Time ? ?
Transfer Cash No fee none
Teller,
ATM, internet
banking
Matching sys.
& Manual ? ?
Bill Payment 3%
Les Femmes or
Buyer
Teller,
ATM, internet
banking
Automated &
Real Time ? ?
Virtual
Account
Rp. 2500 - Rp.
5000
(negotiable)
Les Femmes or
Buyer
Teller,
ATM, internet
banking
Automated &
Real Time ? ?
ClickPay
Mandiri
Rp. 5000
Les Femmes or
Buyer
When buyer
order
Automated &
Real Time ? ?
Point No fee none
When buyer
order
Automated &
Real Time ? ?
XL Tunai 1%~1.5% Les Femmes
When buyer
order
Automated &
Real Time ? ?
PPOB Rp 1,600
Les Femmes or
Buyer
+14000
lokets/agents
Real Time &
Host-to-host
notification
? ?
COD
Delivery fee +
Additional fee
Buyer
When buyer
receive the
goods
By delivery
company ? ?

19.
API & Web Service
Open Source E-Commerce Platform Plugins
To target existing online store owner/businesses using open source solutions, it is
useful for us to make an automatic import/export products from Les femmes
functions.
A simple way to cross sell in existing online store.

20.
API & Web Service
Proposed basic functions for API / Web Services
Merchant/Resellers API
•Users
login, logout, manage account, addresses, profiles, store settings, etc
•Orders
Manage orders, check orders, update orders, order notifications, etc
•Products
Manage products, upload products, import/export, update products,
remove products, etc
•General
Messages, comments received notification, offers, general settings, etc

21.
web
Les
Femmes
API Services
Mobile App
(internal)
Payment
Deliveries
High-volume Merchant Panel
Simple Merchant Mobile App
3rd Party Apps
I.e. Price compare/Onigi
Open Source Plugins
API & Web Service