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E financial services (payment gateway)


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This presentation is about the business model of payment gateway industry in India. It is based by assuming a virtual company.

Published in: Economy & Finance, Business

E financial services (payment gateway)

  1. 1. E-Financial Services (payment Gateway) By Valliappan P (128939) Kaushik V (128957)
  2. 2. India Swipe Pvt Ltd.
  3. 3. Introduction: Over the years, as technology has been advancing by leaps and bounds, financial transactions are also becoming increasingly faster, safer, agile & easier. One of the greatest technological breakthrough in the recent past, with regard to financial transactions, is the ability to transfer/pay money through online payment gateways.
  4. 4. HUMAN RESOURCE ALLOCATION: -------------------------------------------------------------1 CEO 1 CFO 1 Business Analyst 2 Software Engineers 2 Database Managers 2 Web Designers 1 Network Specialist 1 Office Assistant 1 Security : (No Salary) : (No Salary) : (Partner - No Salary – will be given a stake ) : (Rs.30,000 / per Month / per employee) : (Rs.30,000 / per Month / per employee) : (Rs.30,000 / per Month / per employee) : (Rs.30,000 / per Month / per employee) : Rs.10,000 : Rs.6000
  5. 5. COMPANY COST STRUCTURE: -----------------------------------------------------------------------Computer Hardware : Rs.4,00,000 Office Furniture and Interior re-arrangement : Rs.3,50,000 Site Establishment & Maintenance : Rs.3,50,000 Online Marketing & SEO costs : Rs.1,80,000 Employees : Rs.27,12,000 Office Stationery : Rs.40,000 Travel & Hospitality Expenses : Rs.6,00,000 Bank Agreement Fees : Rs.5,00,000 ---------------------------------------------------------------------------------Total Cost : Rs.51,32,000 -----------------------------------------------------------------------------------------
  6. 6. RETURN ON INVESTMENT: -----------------------------------------------------------------------Average no. of transactions per month : 1,00,000 Average amount per transaction per month : Rs.500 Target sales value/month : Rs.5 crores Average commission rate per transaction : 1% Average revenue per month : Rs.5 Lakhs Optimum break-even point : 12 months ---------------------------------------------------------------------------------Total Cost : Rs.51,32,000 -----------------------------------------------------------------------------------------
  7. 7. Objective: • The main objectives of this project is: • To offer the services of a payment gateway at reduced commission rates. • To make the payment process more seamless & easier for the buyer/payer. • To collaborate the payment gateway with potential online service providers/retailers and forming a strategic alliance with them.
  8. 8. What is a payment gateway? A payment gateway is an e-commerce application service provider that authorizes payments for e-businesses, online retailers, bricks and clicks, or traditional brick and mortar. It is the equivalent of a physical point of sale terminal located in most retail outlets. Payment gateways protect debit / credit card details by encrypting sensitive information, such as card numbers, expiry date and CVV value.
  9. 9. Issues with the current payment gateways……..??
  10. 10. India Swipe What is new that India Swipe offers? India Swipe offers the following facilities to its clients, that most of the other gateways do not offer: Lowest possible commission rates Integrated fraud detection solution Settlement within T+1 day. Wide variety of payment options including international cards. Higher purchase conversion ratio. No setup fees or maintenance fees.
  11. 11. Business Model of India Swipe:
  12. 12. Various payment options provided by India Swipe: 1)Credit Cards: Visa, Master Card, American Express & Dinners Club 2)Debit Cards: Tie up with popular 54 banks in India, all of whom are members of IBA 3)Net Banking: All major public & Private sector banks in India. Key partners: HDFC Bank, ICICI Bank, SBI, Citi Bank, Axis Bank, Bank of Baroda & Kotak Mahindra Bank
  13. 13. Payment Gateway of India Swipe:
  14. 14. Commission Rates Charged by India Swipe:
  15. 15. Commission Rates Charged by Our Competitors :
  16. 16. 4P’s of Marketing: Product Price Place Promotion
  17. 17. India Swipe’s Prospective Clients:
  18. 18. Conclusion: In India, there has been a steady growth in the popularity and usage of online shopping and ticketing portals. This indicates that people of the country are slowly starting to repose their trust in online payments & transactions. Also, since the computer literacy levels are showing an increasing trend & the access to the internet has become more affordable, one can expect tremendous growth in this business in the near future. Having addressed all the concerns that were plaguing the conventional payment gateways, one can say that India Swipe has got all the potential to create history in the online payment gateway business.
  19. 19. Thank You visit us @