Especificação para TI de site próprio desenvolvido por Renato Figueiredo

1. NPP Webstorehttp://www.portalrecargafacil.com.br

2. Main Concept
Call to Action Consumer
Create
consumer
account
Consumer
acess WEB
eCash
Consumer load
R$ using
Boleto or
Credit/Debit
card
Consumer buy recharges and
receive incentives

3. Our Webstore

4. Portal RecargaFácilproposal
◦Goal–Webstorefor pre-paidservices DirectSales
Mobile Recharges
ContentGiftCards
Domain http://www.portalrecargafacil.com.br IndirectSales
Top-upfor merchants(companiesorindividual)
Menu optionathttp://www.nowprepay.com.br

5. Direct Sales

6. Portal RecargaFácilDirect Sales Products
Category1 -Recharges
Eachproducthasits ownoptionsfor valuestorecharge
Eachproducthasa default option(via radio button)
For eachproductwewillcharge a ConvenienceFeeofR$2,00 (messagenexttopricelabel)
Only1 rechargeper session(customercan´tbuytwitethesamerecharge, evenfor diferente brands, buthecanmakea 2nd order)
Category2 –Gifts=> TBD
Therewillberelatedproductsatproductpage(considerthesamecategoryin this1st phase)

7. Portal RecargaFácilSite Cart and Checkout
CartPage
No crosssellproductsand´addmore´option
EmptyCartoption(Esvaziar)
Checkoutpagemust behttps(ssl) andwithfields:
Name
Surname
CPF (maskedandchecked)
CEP (zipcode) –withauto-completeandmasked
Country (no option, just´Brasil´label)
Address(Endereço)
Number(Número)
Complement(Complemento)
Neighborhood(Bairro)
City (Cidade)
Province(Estado) –dropdownoptions
Mobile Number(Celular) –masked(XX) XXXXXXXXX
Email(checked)
Password(securityrulesmust beapplied)
Optiontoreceiveemail(free) orSMS (R$ 0,20) whenrechargeisdone

8. Portal RecargaFácilSite Payment Options integration
Boleto (ours)
System must integrateto
Bank conciliation(daily)
E-cash(providestherechargetocustomerandsendtheemailand/orSMS)
DebitandCredit–suppliedbyMoip* (http://www.moip.com.br)
Allintegrationdocumentscanbefoundathttps://drive.google.com/a/vendteksystems.com/folderview?id=0B9sKQ9hC0QA7Z28wRURZdW5Fdlk&usp=sharing

9. Portal RecargaFácilSite Homepage
TBD (vídeo, showcases, cms, testimonials, contact, etc)

10. Portal RecargaFácilSite CMS / Social Media
Blog
Structure
1 -Blog Homepage withallcategories-willbeNotícias (News) andProdutos)
2 -For eachCategoryshow allposts
3 -Post Page
Allthese3 pageswillhaverightsidebar(for itens like´search´, social media, banners, productsoffer, recente topics, etc)
Social Media
Include optiontoFacebook, Google+, TwitterandLinkedin

11. Portal RecargaFácilHeader and Footer options (Menus)
Header (top menu itens) –clickinglogo sendtohomepage
Recarga Fácil (sendtohomepage) dropdownwith:
Loja de recargas (rechargeshop) –showcasewithall4 products
Loja de gifts–showcasewithallgifts
Notícias e Produtos (Blog)
Sobre Nós (About)
Mapa do Site (sitemap)
Contato
Gifts(link toLoja de gifts)
MyAccount
Editar (directstoRegisterfor unloggedorMyAccountfor loggedusers)*
Carrinho (Cart)
Pedidos (Orders)
Sair (Logout)
Contact
Searchbox
Footer
Legal contentlinks, NPP andpartnersinfo, Social Media links
* Registerprocess: pleaseseeslide 7

12. Indirect Sales

13. Nowprepay.com Indirect Sales Products
Will use samemodelofhttp://www.irecarga.com.br
Site willbehttp://www.nowprepay.com.br(as a menu optionto´Revendedor´)

14. Nowprepay.comIndirect Sales Products
Categorypagewillhave
Registration
1st phase–username/password
2nd phase–allcheckoutdata including
Comercial Telephone
Pessoa Física option(thenopens CPF)
Pessoa Jurídica option(thenopens CNPJ)
Addcash (prepaidvalueswithno conveniencefee) –similar processofDirectSales
Informationaboutcomissiontoreseller(3%)
Link toMyAccount
MyBalance (´Meu Extrato´) –pleasefindcomissiondynamics in nextslide
Sellhere(´Revenda Aqui´)
´Checkout´must considercustomer´sname, surname, mobile #, emailandCPF
E-cashintegrationtoprovidetherechargetocustomerandsendtheemail

15. Nowprepay.comIndirect Sales –My Balance
Payfeetoresellers(merchants) andindividuals(3%):
Example: Ifa merchantbuyR$500 creditsfor sella R$20 rechargehiscreditsare discountedby:
R$20 (-) 3% = R$ 19,40
Sohisbalance nowis
R$500 (-) R$ 19,40 = R$ 480,60
Balance must besimilar toBank StatementswithPeriodoptiontoreseller

16. Nowprepay.comSite Payment Options integration
Boleto (ours)
System must integrateto
Bank conciliation(daily)
Debit(no credit) –suppliedbyMoip* (http://www.moip.com.br)
Allintegrationdocumentscanbefoundathttps://drive.google.com/a/vendteksystems.com/folderview?id=0B9sKQ9hC0QA7Z28wRURZdW5Fdlk&usp=sharing
IndirectSales integration(iRecargamodel) withIOS andAndroidappwithregistration
Appwillhaveregistration

17. Examples can be found athttp://www.portalrecargafacil.com.brTecnical information: Wordpress v3.9.1 –PHPDatabase = MySQLCredentialshttp://www.portalrecargafacil.com.br/wp-adminuser = vendtekpw = vendtek

18. Backup

19. Competitors OverviewOnline Mobile Recharges

20. Onepayhttps://ssl.onepay.com.br
ValuesfromR$5 toR$100 withcreditordebitmethods

21. RecarregueFácilhttp://www.recarreguefacil.net.br/novo/faq
ValuesfromR$13 toR$100 withcreditcards

22. RVhttps://www.rv24horas.com.br
ValuesfromR$5 toR$50 withcreditordebitmethods
via PagSeguro

23. iRecarga(Top-up model with Boleto) http://www.irecarga.com.br/pagamento_vendas_recarga.aspx
Debitonline

24. iRecarga
Android and IOS apps –doesn´t offer registration in app

25. Competitors Strategy Overview
◦Manyofthemcharge `taxa de efetivação ou conveniência´(realizationorconveniencetax) for everyrechargepaidbycredit/debit(no boleto)
◦Some ofthemofferanextra moneylenderinsurance(offeredbyQBE)
◦ValuescanvaryfromR$0,99 (RV) toR$2,00 (Onepay)
◦iRecargahasaninterestingapproach toindividualsandresselers
top-uppre-paidmodelwithautomaticrecharge
no conveniencetaxbutcomission(3%) for customer
allpaymentoptions(includedboleto)
minimumrechargeisR$100 -allowrevenuefromfloat(no cash flowissue)
OnlyBoleto andDebitonline (“no freelunch”)

26. Gateways cost study

27. Gateway costs –Bcash(Buscapé)

28. Gateway costs –Pagseguro(UOL) Term of payment = D+14

29. Gateway costs -AkatusDébitoOnline only for BB, Itaúand BradescocustomersTransparent option for credit cards (don´t redirect to gateway) Obs–Em1/8 as taxassubiram3pp a operaçõesde recarganãoserãomaisaceitas

30. Gateway costs -MoipTransparent option for credit cards (don´t redirect to gateway)

31. Gateway costs - Moip
https://drive.google.com/a/vendteksystems.com/fol
derview?id=0B9sKQ9hC0QA7Z28wRURZdW5Fdlk&
usp=sharing

32. Gateway costs -PagtelCredit –3.5% with in D+32 (prepayment under negotiation) Debit online under negotiation (1.8% for D+2) Gateway costs –CieloMobileCredit –4.5% in D+30 ou6.99% parceladoaté6XDebit –3.19% in D+1Alugueldo Reader = R$11,90/mês1o anoe R$ 22,90 apósTarifasnãoincluemriscode fraude

33. Portal RecargaFácilproposal
◦Goal–´Marketplace´for pre-paidservices
DirectSales
Mobile Recharges
ContentGiftCards
IndirectSales (use NPP portal)
Top-upfor merchants(companiesorindividual)

34. Portal RecargaFácil–Business ModelDirect Sales
Charge ´ConvenienceFee´tocover credit/debit/boleto costsoperations:
AvgTicket = R$15,00
CreditCardsfee(negotiatingprepaymentwithPagtel*)
6.91% + R$0,69 in D+2 payments(suppliedbyMoip)
Debitonline fee(negotiatingwithbanksandPagtel)
2.70% + R$0,69 in D+1 payments(suppliedbyMoip)
Conveniencefee(example) = R$2,00=> (or13% ofAvgTicket)
For R$15 avgticket thistaxcancover costsfor
Boleto (own) -R$1,35
credit-12%
debit–7.3%
* Current32 days

35. Portal RecargaFácil–Business ModelDirect Sales
Ouroption:
Boleto andDebit/Credit* (Akatus/Pagtel/Banks)
LimitMaximumrechargetoR$50
Monitor AvgTicket andcustomerbehavior
Negotiatevolume optionstoraiselimitstillR$100
Obs-CompetitorsOverview Summary–RechargeValuesOptions
Onepay–5-100 (credit/debit)
Recarregue Fácil –13-100 (credit)
RV –5-50 (credit/debitvia PagSeguro)
* Credit card deficit from the fee we gonna charge would be R$1,59 ((R$50 x 6,4%)+R$0,39 –R$2)
and our net margin (around 6%) R$3,00 so we are always positive in bottom line credit card operations.

36. Portal RecargaFácil–Business ModelIndirect Sales
Payfeetoresellers(merchants) andindividuals(3%):
Example: Ifa merchantbuyR$500 creditsfor sella R$20 rechargehiscreditsare discountedby:
R$20 (-) 3% = R$ 19,40
Sohisbalance nowis
R$500 (-) R$ 19,40 = R$ 480,60

37. Portal RecargaFácil–Business ModelIndirect Sales
Financial dynamics example:
Min Ticket = R$100,00
Debitonline fee(negotiatingwithbanksandPagtel–around1.80%)
2.89% + R$0,39 in D+1 payment(suppliedbyAkatus)
Comissiontocustomer= 3%
Ourrevenuefee= 7%
Thisfeecancover costsfor
Boleto (own) –R$ 7,00 vsR$1,35
Debit–7% vs3.28%

38. Portal RecargaFácil-Marketing
◦SMS -cross sell with our card transactions and mobile phones
◦SMS to logged customers (with site credentials)
◦Video infographics to ´coach´
Customers and Merchants –Direct Sales
Mobile Recharges
Companies –Indirect Sales
Comissionedmobile recharges

39. Portal RecargaFácil-Marketing
◦SEO adjustments(structureduse ofmainskeywords)
◦Blog
◦Adwords
◦Online Media, Social Networks, banners

40. Marketing –Competitors Keywords

41. Marketing –Competitors Keywords

42. Next Steps
◦ApproveMarketplace model(François/Carol)
Concept
Financials(gateway cost)
Comissions(IndirectSales) –3%
2 sites for directandindirectsales(later wecanintroducegiftsfromBNH)
◦Negotiationfor CreditandDebitoptions(Amauri/Renato)
◦Rulesfor pre-paidbalance -Indirectsales(Amauri)
◦Trademarkregistrationfor Recarga Fácil orsimilar (Renato)
◦Site buildingwith(TI, Legal andMarketing)
Boleto integrationtoE-Cash(rechargeonly)
OrdersintegrationtoE-Cash
Credit/Debitgateway integrationfor pre-paymentsbalance
IndirectSales integration(iRecargamodel) withIOS andAndroidappwithregistration
◦TestsandRollout