iPaymu adalah payment processor yang sangat popular di Indonesia. Penggunaan dan integrasi ke website sangatlah mudah. Sangat user friendly dan membuat ecommerce Indonesia makin kuat.

2. DID YOU KNOW…
That Indonesia is the
FASTEST GROWING
eCommerce market
in the world?
Indonesia
Online
Payment
Overview
|
2013

3. 20%
START
BUY
THROUGH
SOCIAL
MEDIA
SHOPPERS
PREFER
BUYING
PRODUCT
THROUGH
BRAND’S
FACEBOOK
PAGE
COMPARED
TO
IT’S
WEBSITE
SOURCE : MASHABLE.COM/2012/11/01FACEBOOKSALES
SOCIAL MEDIA
IS HUGE
IN INDONESIA
Indonesia
Online
Payment
Overview
|
2013

4. INDONESIA – KEY TRENDS
Increasing Middle-Class Wealth
Stable economic growth of 6%, personal spending levels
rising by 10%/year.
Mobile-First Internet Market
Intense competition between mobile companies is pushing
prices down and raising consumer awareness.
149 Million Internet Users by 2015
Internet penetration in Indonesia is projected to double within
the next 2 years.
Indonesia
Online
Payment
Overview
|
2013

5. INDONESIA – MOBILE INTERNET
DEVICES
MAIN USES
Feature Phone
86%
76%
Social Networks
Smartphone
20%
45%
Instant Messaging
7%
42%
Information Search
Tablet
Source: Yahoo & TNS Global, 2013
Source: eMarketeer, 2013
Indonesia
Online
Payment
Overview
|
2013

6. INDONESIA – KEY STATS
POPULATION
242,3 Million
INTERNET PENETRATION
2013
29%
SMARTPHONE
USER
38,5 Million
Source:
eMarketeer,
2013
INTERNET USER 2013
72,7 Million
57%
24%
URBAN INTERNET
PENETRATION
SMARTPHONE
PENETRATION
Indonesia
Online
Payment
Overview
|
2013

7. TOP 5
INDONESIA
E-COMMERCE
ISSUE
BEHAVIOUR
Trust level relatively still low towards online shopping.
The average shopper spends between Rp. 200 K – Rp. 500 K.
PAYMENT OPTIONS
Not many online payment options. Although credit card purchases are
unpopular, ironically majority of establishments strictly provide payment
via credit card. Only a handful of banks possess online payment facilities
for ecommerce.
MOBILE
Majority of ecommerce websites are not mobile ready, yet smartphones
and accessing the internet via mobile device have been increasing
exponentially.
LOGISTICS
Currently, only 3 providers are prepared to support the logistics system
needed for online shopping. This can cause shipping difficulties for the
customer.
REGULATIONS
Companies have to face mix of complex bureaucracy and lack of
regulation in this fast-growing sector.

8. INDONESIA – ECOMMERCE PAYMENT
METHOD
Source: Direktorat e-Bisnis Ditjen Aplikasi Informasi Komenkoinfo 2012
Indonesia
Online
Payment
Overview
|
2013

9. INDONESIA – DEBIT vs CREDIT
CARD
CREDIT CARD
14.7 Million
in July 2013
CREDIT CARD PENETRATION
4.5%
DEBIT
63.6 Million
in July 2013
BANKING PENETRATION
20%
“There are 4 TIMES as many Debit Cards than Credit
Cards in Indonesia!”
Source: Indonesia Credit Card Association, 2013
Source: Merdeka.com, 2013

10. INDONESIA – ONLINE PAYMENT
ISSUES
>
150 Banks in Indonesia
Indonesia is an archipelagic country.
Has more than 150 banks (International, local and regional Bank) all over
Indonesia, as well as a “popular” bank within each city.
<7 Banks Ready for e-Commerce
Less than 7 banks are ecommerce ready.
Even then, such payments can only be made between those that have an
account in the same bank. The difference between an online buyers – sellers
(merchant) banks for ecommerce causes problems.
Webstore Merchant
It is not easy to become an ecommerce merchant partner/having a merchant ID
from the bank, whether for credit card services or debit transactions. Only
webstore merchants with a reputable name is provided access, while new
webstores or start ups tend to be difficult getting a merchant ID from the Bank.

11. Indonesia’s Internet and mobile use is growing exponentially while ecommerce
players continue to increase and compete trying to grab a foothold in
Indonesia’s market.
The current issues affecting Indonesia’s online ecosystem
be handled with subtle care as more and more non-bank online payment
provider arise such as
provide ease for online payment to help support the growth of
Indonesia’s e-commerce.
Indonesia
Online
Payment
Overview
|
2013

12. “THE 1st
INDONESIA ONLINE
DEBIT E-WALLET
PROCESSOR”
Indonesia
Online
Payment
Overview
|
2013

13. IPAYMU – PRODUCTS

14. IPAYMU –
ADVANTAGES
CONNECTED WITH MORE THAN 137 BANKS.
through ATM Bersama, Prima, Plus, Link and Meps networks.
Includes both local and foreign major Banks in Indonesia.
PAYPAL OFFICIAL PARTNER
CONNECTED WITH PT POS INDONESIA
with more than 4000 outlets throughout Indonesia.

15. How can you get an
IPAYMU account?…
As easy as 1… 2… and…
done

16. Make sure you have the
correct Bank Name,
Account Name and Account
Number.
For more information, go to: https://ipaymu.com/cara-daftar/

17. DONE!... You have Your own Ipaymu Account!
After filling out the registration form, you
will get
IPAYMU’s VIRTUAL ACCOUNT
NUMBER
then you can start doing transaction
using all the services such as
Debit/e-wallet, Escrow &
Cash withdrawal.
For more information about your Account Status, go to:
https://ipaymu.com/status-akun-ipaymu/

18. As a member, with 1 IPAYMU
account, you can instantly get
benefit as a Merchant for those
who own a webstore.
Or…
with an IPAYMU Account,
ALL MEMBERS (buyers)
automatically become
MERCHANTS (sellers) as well.
Transaction Menu for IPAYMU Member.
Merchant’s Menu.
“You can be a BUYER &
a MERCHANT (seller) with
1 (one) IPAYMU account”

19. BENEFITS FOR
MERCHANT

20. shoppingcart
product subscription
online donation
easy checkout
transaction report
yourwebstore.com
EASY, OPEN SOURCE (API), PLUG & PLAY
Integrated System for Webstore

22. With
Only
1% fee/transaction

23. Accept Payment from Member NON Member IPAYMU and PayPal
MEMBER IPAYMU
NON MEMBER IPAYMU
yourwebstore.com
USER
“To activate PayPal services,
merchants must have PayPal account”

25. TRANSACTION REPORT MEMBER & NON
MEMBER

26. BENEFITS FOR USER (BUYER)
Simple & Secure Payment!
Easy & Real-Time Top Up
Fast & Easy Online Transaction

27. IPAYMU – USER TOP UP
IPAYMU E-Wallet
ATM
Internet Banking
Mobile Banking
“Easy & Real-Time Top Up from 137 Banks”
Cash Deposit
(only for CIMB Niaga)

28. ESCROW
“Secure Your Payment – Guarantee Your Online Transaction”

29. Service fee is 2% from the price of the product.
IPAYMU Escrow System send TV payment
from “A” after confirmation from “ABC”
store. Escrow Transaction is successful.
IPAYMU Escrow System
notifies payment
confirmation TV
purchased from “A”.
Online Store “ABC”
sells TV at a price of
Rp 1.000.000,-
3
“ABC”
ONLINE STORE
6
IPAYMU ESCROW
ONLINE STORE
“ABC”
1
Buyer Member “A” placed TV payment.
Payment is suspended in IPAYMU Escrow system.
In this case, the 2% Escrow fee (Rp 1.000.000,- + 2%)
is charged to “A”.
2
IPAYMU BUYER
MEMBER “A”
Buyer Member “A” agree to purchase
TV at “ABC” Online Store.
Buyer Member “A”
purchases using Escrow
service, to make sure the
item is received before
paying.
4
“ABC” Online Store make TV delivery
purchase to “A”.
5
“A” confirmed the TV has been received from “ABC”
store via email that has been provided by the IPAYMU
Escrow System.
NOTE:
IPAYMU Escrow Service
could only be used
between IPAYMU
members.

30. IPAYMU – ESCROW
SERVICES
Escrow Service is a guarantee service from IPAYMU, customer can use IPAYMU
ESCROW as an independent guarantor in every transaction conducted by the
merchant’s online store.
1. REGULAR ESCROW IPAYMU
An integrated Escrow Service with IPAYMU member account.
As a member, you will receive Escrow Service benefits.
Regular Escrow service fee is 2% from the price of the product (charged to buyers).
2. PREMIUM ESCROW IPAYMU
Premium Escrow Service that could be set up according to your needs.
Merchant can adjust the Escrow Service as needed.
Fees will become profit for the Merchant.

31. IPAYMU – PREMIUM ESCROW
PROGRAM
Payment
OpLons
Monthly
OR
Yearly
For more information about Escrow Premium, please click:
https://ipaymu.com/escrow-premium/fees.php

32. AFFILIATION PROGRAM
“Together We Can”

33. IPAYMU – WHAT IS AFFILIATION PROGRAM?
n
Affiliation or Referral Program is a program that we offer to IPAYMU
Merchants.
n
Upon becoming an IPAYMU member, merchant partners can immediately
participate in IPAYMU Affiliation/Referral Program where IPAYMU will give
referral link that could be accessed by member merchant.
n
IPAYMU Affiliation/Referral Program gives all member a chance to receive
commission by recommending others to register on the website as an
IPAYMU user.
n
Merchant member will receive commission up to Rp. 25.000,- for every
member with verified status or those who have Top Up and registered from
the Referral website.

34. IPAYMU – AFFILIATION
SIMULATION
IPAYMU Affiliation or Refferal program gives all IPAYMU members a chance to get commission
up to Rp. 25.000,- for every new member (those with Verified status or have Top Up
deposited Rp.100.000,-) who registered with IPAYMU through the referring website.
Affiliation
Member
Total Affiliation
Member
Affiliation
Commission Fee
Total Commission
Fee
1 – 10.000
10.000
Rp 10.000,-
Rp 100.000.000,-
10.001 – 30.000
19.999
Rp 15.000,-
Rp 299.985.000,-
30.001 >
20.000
Rp 25.000,-
Rp 500.000.000,-
TOTAL MEMBER
49.999 Member
GRAND TOTAL
Rp 899.985.000,-
With only 50.000 new IPAYMU member, you will have a chance to receive Rp 900.000.000,-.
Let’s promote IPAYMU through link Referral on your website and make sure they register now!

35. IPAYMU – AFFILIATION PROGRAM
n
IPAYMU member will receive
confirmation from Affiliation
Program through their Referral
web link for every member
registered.
n
Commission fee will instantly
issued to merchant member
after new member’s Top Up
deposit of Rp. 100.000,(Verified Status)

36. IPAYMU – MOBILE APPLICATION
READY
NOW READY!
Coming Soon

37. Thank You
untuk
INDONESIA!
www.ipaymu.com