lesfemmes payment & delivery concept (proposal)

July 2014Digital Marketing Division

Draft : Fahdly

Payment & Delivery | API & Web Services

Payment Methods

Logistics & Delivery

API & Web Services

Main Topics

Current Payment Methods

1.Manual BCA Transfer2.Manual Mandiri Transfer3.Doku (Ongoing)4.Mandiri Click Pay (Ongoing)

Feasible Payment Methods

Bill PaymentE-Money

Credit CardInstant PaymentATM

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

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

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

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

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

Cash On Delivery

Key Factors

Coverage AreaExisting 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 FeeNot define yet

Est. 25.000 – 50.000 + Delivery Fee

Standard Shipping Price+ 2% transaction fee*

Settlement Bi-Weekly To be confirmed

NoteRecommended for Jakarta Area

but expensive

Good for inventory model from single delivery origin to multiple

destination

Potential Partners for Cash On Delivery

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.

Sample Outlet : Payment Point Online Banking (PPOB)

Example of PPOB Software & Loket / Agents

Sample Outlet : Payment Point Online Banking (PPOB)

Example of PPOB Software & Loket / Agents

Sample Outlet : Payment Point Online Banking (PPOB)

Example of PPOB Software & Loket / Agents

Sample Outlet : Payment Point Online Banking (PPOB)

Example of PPOB Software & Loket / Agents

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

Payment Point Online Banking (PPOB)

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

Supported Payment

FeeWhose

burden feePlace of occurs

How to check For adoptionMobile

Payment

Credit card 2.5% + Rp. 3000Les Femmes or

BuyerWhen buyer

orderAutomated &

Real Time ? ?

Transfer Cash No fee noneTeller,

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 orBuyer

Teller, ATM, internet

banking

Automated & Real Time ? ?

ClickPay Mandiri

Rp. 5000Les Femmes or

BuyerWhen buyer

orderAutomated &

Real Time ? ?

Point No fee noneWhen buyer

orderAutomated &

Real Time ? ?

XL Tunai 1%~1.5% Les FemmesWhen buyer

orderAutomated &

Real Time ? ?

PPOB Rp 1,600Les Femmes or

Buyer+14000

lokets/agents

Real Time & Host-to-host notification

? ?

CODDelivery fee +Additional fee

BuyerWhen buyer receive the

goods

By delivery company ? ?

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.

API & Web Service

Proposed basic functions for API / Web Services

Merchant/Resellers API

•Userslogin, logout, manage account, addresses, profiles, store settings, etc•OrdersManage orders, check orders, update orders, order notifications, etc•ProductsManage products, upload products, import/export, update products, remove products, etc•GeneralMessages, comments received notification, offers, general settings, etc

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