LesFemmes Payment & Delivery concept (Proposal)
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July 2014Digital Marketing Division
Draft : Fahdly
Payment & Delivery | API & Web Services
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Payment Methods
Logistics & Delivery
API & Web Services
Main Topics
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Current Payment Methods
1.Manual BCA Transfer2.Manual Mandiri Transfer3.Doku (Ongoing)4.Mandiri Click Pay (Ongoing)
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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
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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
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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
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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
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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
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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
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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.
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Sample Outlet : Payment Point Online Banking (PPOB)
Example of PPOB Software & Loket / Agents
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Sample Outlet : Payment Point Online Banking (PPOB)
Example of PPOB Software & Loket / Agents
![Page 13: LesFemmes Payment & Delivery concept (Proposal)](https://reader030.fdocuments.us/reader030/viewer/2022032506/55ccf098bb61eb57758b465b/html5/thumbnails/13.jpg)
Sample Outlet : Payment Point Online Banking (PPOB)
Example of PPOB Software & Loket / Agents
![Page 14: LesFemmes Payment & Delivery concept (Proposal)](https://reader030.fdocuments.us/reader030/viewer/2022032506/55ccf098bb61eb57758b465b/html5/thumbnails/14.jpg)
Sample Outlet : Payment Point Online Banking (PPOB)
Example of PPOB Software & Loket / Agents
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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
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Payment Point Online Banking (PPOB)
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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
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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 ? ?
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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.
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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
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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