Easypaisa Mobile Account

Product Presentation
Omar Moeen Malik
Our Promise: October 15th 2009
February 25th 2010
Introduction
l What is an easypaisa Mobile Account?
l

l After the successful launch of Over-The-Counter services like Bill Pay

and Money Transfer, easypaisa is introducing Mobile Accounts where
Telenor subscribers will be able to use Bill Pay, Money Transfer and
a whole host of new services from their own mobile phones
l

l Easypaisa Mobile Accounts are virtual Bank Accounts opened for

Telenor subscribers to access from their mobile phones at any time
l

l Users only have to go to a Merchant to ‘Deposit Cash’ or ‘Withdraw

Cash’ from their easypaisa Mobile Account. All other services can be
accessed on the user’s mobile phone at any time
l

l This service is available for only Telenor subscribers

l

l Registration is only available only at Telenor SSCs, Telenor Franchises

and Tameer Bank Branches for now
Why Mobile Accounts?
Why Mobile Accounts?
l What is an easypaisa Mobile Account?
l

l After the successful launch of Over-The-Counter services like Bill Pay

and Money Transfer, easypaisa is introducing Mobile Accounts where
Telenor subscribers will be able to use Bill Pay, Money Transfer and
a whole host of new services from their own mobile phones
l

l Easypaisa Mobile Accounts are virtual Bank Accounts opened for

Telenor subscribers to access from their mobile phones at any time
l

l Users only have to go to a Merchant to ‘Deposit Cash’ or ‘Withdraw

Cash’ from their easypaisa Mobile Account. All other services can be
accessed on the user’s mobile phone at any time
l

l This service is available for only Telenor subscribers

l

l Registration is only available only at Telenor SSCs, Telenor Franchises

and Tameer Bank Branches for now
Target Market
l Any person with a Telenor SIM who wants to have instant access
to a Bank Account from his mobile phone
l
l Any person with a Telenor SIM who wants to have the freedom to
send/receive money to other people or pay utility bills from
his mobile phone at any time
l
l Any person with a Telenor SIM who wants to be part of the
largest Bank with thousands of branches in Pakistan and the
facility to withdraw cash or deposit cash from these branches
(Merchants) at any time
 Existing Mobile Banking Services easypaisa Mobile Accounts

Competition?
For: Limited to Customers of Particular Banks only Any Telenor Subscriber. No existing Bank Account
necessary

Services Offered: - Prepaid Cards for all Mobile Operators - UBP

Fund Transfers to the same Bank customers only - Money Transfer to any person with a CNIC
Utility Bill Payments Money Transfer to other easypaisa mobile account

Credit Card Payments Mini Stmt / Balance Enquiry

Mini Stmt / Balance Enquiry - E-load purchase / Persona Bill Payments *

- Fund Transfers to any Bank in Pakistan *
- ATM Cards *
- Other Payments *

Handsets: GPRS Mobile Phones only All Mobile Phones

Bank Branches: Limited to Branches in a few cities (largest bank has 5500+ easypaisa shops in 500+ cities
1100 branches in 100 cities)

GSM Charges: SMS and GPRS Charges apply No GSM Charges apply

Security: SMS is a Highly insecure channel. GPRS is a secure USSD is a highly secure channel
channel but very expensive for the customers

* Coming soon
easypaisa Mobile Accounts USPs
l Any Telenor subscriber can open an account
l Not limited to any particular Bank Account Holders
l Instant Access to your Mobile Banking Account at any
place, any where, any time!
l Pay Utility Bills, Other Payments, Send Money to other
easypaisa Accounts or to any person with a valid
CNIC
l Cash Deposit into account or Cash Withdrawal from any
account can be done at over 5500+ Merchants across 500
cities
l No Waiting in Queues / No Travel Time
l Open on Holidays / Late Working Hours
l Secure Encrypted Transactions based on GSM standards
l Official Approval by the State Bank of Pakistan
l 24/7 online customer support
5000+ easypaisa Merchants
easypaisa Account – Product Details
1. A Customer has to come to an Telenor Franchise/SSC or
Tameer Branch to open an easypaisa Mobile Account
2. Account Opening Request takes 10 minutes to enter into
the system
3. Subscriber will be called back in 3 hours after Nadra
CNIC verification. Account will be activated and
Subscriber will be asked to select a PIN
1.

l Transactional Limits Rs.10,000/day, Rs.20,000/month,

Rs.1,20,000/year
l These limits do not apply on Transfer In
l Maximum Balance of Rs. 60,000 in the account at any time
l SBP requirements dictate the account limits that need to
be in place. For higher limits, the Customer needs to
open a bank account with Tameer Bank first.
1.
l Account Opening Fee = Rs. 50 + tax (non-refundable)
1.
easypaisa Account Number and PIN
l For transactional security purposes and to minimize
errors, the system will generate an easypaisa
Mobile Account number at the time of account
opening:
034576543218
l

l Example:
l
l 0345765432 8
1
lCustomer ’s existing System Generated
Telenor Mobile Phone
l Check-Digit between 0-9
Number
l After account creation, the customer would be asked
to create a secret 5 digit numeric PIN code for
his easypaisa Mobile Account. Similar to an ATM PIN
code, this secret PIN code will be used to
authorize all transactions from the easypaisa
Mobile Account.
Current easypaisa Account Services
l Cash Deposit:
l Subscribers can visit any of the 5500+ easypaisa shops to
deposit cash into his easypaisa Mobile Account. Account
transactional limits apply.
l Fee + FED is deducted from subscriber account, merchant need
not to collect fee from customer
l Cash Withdrawal:
l Subscribers can visit any of the 5500+ easypaisa shops to
withdraw cash from his easypaisa Mobile Account. Account
transactional limits apply.
l Fee + FED is deducted from subscriber account, merchant need
not to collect fee from customer
l Utility Bill Payment:
l Subscribers can pay any partner Utility Bill from his
easypaisa Mobile Account using his phone at any where, at
any time. Account transactional limits apply.
l Funds Transfer:
l Subscribers can move funds from his easypaisa Mobile Account
to any other easypaisa Mobile Account, or any person with a
valid CNIC number, using his phone at any where, at any
time. Account transactional limits apply.
l
More easypaisa Account Services
l Account Balance:
l Subscribers can look up the Account Balance of his easypaisa
Mobile Account
l Mini Statement:
l Subscriber can look up the last 5 transactions from his
easypaisa Mobile Account
l PIN Management:
l Subscribers can setup or change his secret 5 digit PIN to his
easypaisa Mobile Account
l Favorites:
l Subscribers can setup favorite Utility Bills, or favorite
Easypaisa Mobile Accounts to avoid having to enter them again
and again.
l Transfer In / Out:
l Subscribers can log transfer funds from their Tameer Bank
account directly into their easypaisa Mobile Account or vice
versa, from their easypaisa Mobile Account to their Tameer
Bank account at any time
l Account transaction limits do not apply for Transfer
In
easypaisa Secure Online Web Login
l
l Subscribers can log into the secure, online web portal through the
Internet to perform all easypaisa Mobile Account transactions
from the web
l
l http://www.easypaisa.com.pk/account
l
l Additional Services on the online web portal:
l Complete Account Statement and History of all Transactions
l Schedule recurring payments
l
l Web login idle time out for subscriber is 30 minutes
l

easypaisa Mobile Accounts



Any Person! Any Place! Any Time!
easypaisa Mobile Account

Supporting Slides

Screen Shots for different Transactions

Money Transfer to a Receiver's CNIC

1.Pay Utility Bill 1.To easypaisa no

2.Send Money 2.
3.Favorites 3.To Other Users
*786# 4.My Account
5.Bank Transfers
Money Transfer to a Receiver's CNIC

Receiver Mobile
Number 03458501830
Money Transfer to a Receiver's CNIC

Receiver CNIC
4210117984345
Money Transfer to a Receiver's CNIC

Amount 500
Money Transfer to a Receiver's CNIC

Enter Trx 83702

Passcode
Money Transfer to a Receiver's CNIC

Now sending Rs.

500 to CNIC
4210117984345. 12312
Enter PIN to
confirm.
Money Transfer to a Receiver's CNIC

Sender receives Receiver receives

a SMS from 3737 a SMS from 3737

Trx ID 371892. You have 03458554311 has sent you

sent Rs. 500 to CNIC Rs. 500. You can
4210117984345.The fee withdraw/collect this
for this transaction is Rs. cash from any easypaisa
20. Your new easypaisa authorized retailer by
account balance is Rs. giving your CNIC, Trx ID
1,567.00 and transaction passcode.
Funds Transfer to another
easypaisa Account

1.Pay Utility Bill 1.To easypaisa no

*786# 2.Send Money 2.
3.Favorites 3.To Other Users
4.My Account
5.Bank Transfers
Funds Transfer to another
easypaisa Account

Enter
easypaisa no 034585018301
Funds Transfer to another
easypaisa Account

Enter Amount 500

Funds Transfer to another
easypaisa Account

Now paying Rs.

500 to
034585018301. 12312
Enter PIN to
confirm
Funds Transfer to another
easypaisa Account
Sender receives Receiver receives
a SMS from 3737 a SMS from 3737

Trx ID 254345. You have Trx ID 254345. You have

sent Rs 500 to Received Rs 500 from
03458501830. The fee for 03458554311 and your
this transaction is Rs. 10. new easypaisa account
New easypaisa account balance is Rs. 9,000.00
balance is Rs. 1,567.50
Cash Deposit

1. Pay Utility Bill

2.Pay easypaisa no 1.Deposit
*787# 3. Money Transfer
4. Cash Service
2.
3.Withdrawal
5. Payment Request
6. Favorites
7. My Account
8. Bank Transfer

1.
Cash Deposit

Enter
easypaisa no 034585018301
Cash Deposit

Enter Amount 1000

Cash Deposit

Enter User ID 1212

Cash Deposit

Now depositing
Rs. 1000 to
034585018301. 89654
To Confirm
Enter PIN
Cash Deposit
Subscriber receives
5-digit OTP in an SMS from
3737

78749

Please enter 78749 one

time password on
merchant’s cell
Cash Deposit
Retailer receives Customer receives
a SMS from 3737 a SMS from 3737

Trx ID 4561345. You have Trx ID 4561345. You have

successfully deposited successfully deposited Rs.
Rs. 1000 to easypaisa 1000 and your new
account no. easypaisa balance is
034585018301. Your new 6,800. The fee for this
easypaisa account transaction is Rs. 10.
balance is Rs. 56,000
Cash Withdrawal

1. Pay Utility Bill

1.Deposit
*787# 2.Pay easypaisa no
3. Money Transfer 2.
4. Cash Service 3.Withdrawal
5. Payment Request
6. Favorites
7. My Account
8. Bank Transfer

1.
Cash Withdrawal

Enter
easypaisa no
034585018301
Cash Withdrawal

Enter Amount 1000

Cash Withdrawal

Now withdrawing
Rs 1000 from 1212
034585018301.
To confirm Enter
User Id
Cash Withdrawal

Enter Pin 21435

Cash Withdrawal

Retailer ABC would

like to withdraw
1000 from your
account 1
1. Accept
2. Reject
Cash Withdrawal

Enter Pin 12345

Cash Withdrawal
Retailer receives Customer receives
a SMS from 3737 a SMS from 3737

Trx ID 123456. You have Trx ID 123456. You have

successfully withdrawn successfully withdrawn
Rs. 1000 from easypaisa Rs. 1000 and your new
no. 034585018301. Your easypaisa account
new easypaisa account balance is 1,000. The fee
balance is Rs. 33,500 for this transaction is Rs.
20.
Utility Bills Payment

1.Pay Utility Bill 1.Electricity

2.Send Money 2.
*786# 3.Favorites
4.My Account
3.Telephone
4.
5.Bank Transfers
5.Gas
6.
Utility Bills Payment

1.GEPCO
2.HESCO
Enter Consumer ID 4358092348098
3.KESC
4.LESCO
5.MEPCO
6.
Utility Bills Payment

Dear Customer!
Amount payable for
4358092348098 is
Rs. 1500 due by 20-
12345
12-09. To confirm
Enter Pin
Utility Bills Payment
Subscriber receives
a SMS from 3737

Trx ID 343850. Rs 1500

paid by 4358092348098
to GEPCO at 11:45:15 on
15-12-2009. Fee charged
is Rs. 17.4. New
easypaisa balance is Rs.
5,455
Balance Inquiry

1.Pay Utility Bill 1.Balance Inquiry

2.Send Money 2.Mini Statement
*786# 3.Favorites
4.My Account
3.Send A/C Info
4.Manage Pin
5.Bank Transfers 5.Web Login
Balance Inquiry

Current Balance 1500

Enter Pin 43435
Available Balance 1500
Mini Statement

1.Pay Utility Bill 1.Balance Inquiry

2.Send Money 2.Mini Statement
*786# 3.Favorites
4.My Account
3.Send A/C Info
4.Manage Pin
5.Bank Transfers 5.Web Login
Mini Statement

17Dec MTS –Rs 120

15Dec TOU –Rs 150
13Dec MTS –Rs 500
Enter Pin 43435 11Dec CWD –Rs 100
05Dec CDP +Rs 250
Excl. of Fee and Taxes
Change Pin

1.Pay Utility Bill

2.Send Money
*786# 3.Favorites
4.My Account
5.Bank Transfers
Change Pin

1.Balance Inquiry 1.Change Pin

2.Mini Statement
2.
3.Send A/C Info
4.Manage Pin 3.Create Pin
5.Web Login
Change PIN

Enter OLD Pin 12345

Change Pin

Enter New Pin 43435

Change Pin

You have
Confirm New 43435 Successfully
Pin changed your
Pin
Create Pin

1.Pay Utility Bill

2.Send Money
*786# 3.Favorites
4.My Account
5.Bank Transfers
Create Pin

1.Balance Inquiry 1.Change Pin

2.Mini Statement
2.
3.Send A/C Info
4.Manage Pin 3.Create Pin
5.Web Login
Create Pin

You have
Enter New Pin 43435 Successfully
created your
Pin
Transfer In

1.Pay Utility Bill 1.From Tameer

2.Send Money
2.
*786# 3.Favorites
4.My Account 3.To Tameer
5.Bank Transfers
Transfer In

Enter Amount 1000

Transfer In

Now Receiving Rs
1000 from your 43545
Tameer Bank
Account. To
Confirm Enter Pin
Transfer In
Subscriber receives
a SMS from 3737

Trx ID 343850. You have

transferred in Rs 1000
from A/C <Tameer A/c
#>. The fee is Rs. 0. New
easypaisa account
balance is Rs. 1500.
Transfer Out

1.Pay Utility Bill 1.From Tameer

2.Send Money
2.
*786# 3.Favorites
4.My Account 3.To Tameer
5.Bank Transfers
Transfer Out

Enter Short SHIORTNAME

Name
Transfer Out

Enter Amount 1000

Transfer Out

Now sending Rs
1000 to 43545
SHORTNAME.
To Confirm Enter
Pin
Transfer In
Subscriber receives
a SMS from 3737

TrxID 343850. You have

transferred Rs. 1000 to
A/C <Tameer A/c #>. The
fee is Rs. 0. New
easypaisa account
balance is Rs. 500.
Web login
l Subscriber logs into
the easypaisa
website ()
l 6-Digit Web Screen Number

l
l
l Subscriber enters
mobile phone
number
l
l
l The number expires after 60 seconds
l A six-digit web screen
number is displayed
Web login

1.Pay Utility Bill 1.Balance Inquiry

2.Send Money 2.Mini Statement
*786# 3.Favorites
4.My Account
3.Send A/C Info
4.Manage Pin
5.Bank Transfers 5.Web Login
Web login

Enter Web 883422

Screen No.
Web login

Your are
successfully
Enter Pin 84834 logged into the
Web
Web login
l Successful login screen
appears
l
l
l Menu items are placed
on the left frame
Add Favorites

1.Pay Utility Bill

2.Send Money
3.Favorites
*786# 4.My Account
5.Bank Transfers
Add Favorites

1.Pay Favorite 1.Utility Company

2. 2.
3.Add Favorite 3.easypaisa No.
4.
5.Delete Favorite
Add Favorites

Enter
easypaisa No. 034585018301
Add Favorites

Enter Favorite
Name AYYAZ
Add Favorites

Now adding
You have
AYYAZ to your
32764 successfully
favorite list. To
added AYYAZ to
confirm enter
your favorite list
PIN
Pay Favorites

1.Pay Utility Bill 1.Pay Favorite

2.Send Money 2.
3.Favorites 3.Add Favorite
*786# 4.My Account 4.
5.Bank Transfers 5.Delete Favorite
Pay Favorites

Enter Favorite
Name AYYAZ
Pay Favorites

Enter Amount 1000

Pay Favorites

Now paying Rs.

1000 to AYYAZ.
45345
To confirm enter
PIN
Pay Favorite
Sender receives Receiver receives
a SMS from 3737 a SMS from 3737

Trx ID 123456. You have Trx ID 123456. You have

sent Rs. 1000 to AYYAZ. successfully received Rs.
The fee for this 1000 from 034585057390.
transaction is Rs. 23.2. Your new easypaisa
Your new easypaisa account balance is Rs.
account balance is Rs. 15,000
3,500
Delete Favorite

1.Pay Utility Bill 1.Pay Favorite

2.Send Money 2.
3.Favorites 3.Add Favorite
*786# 4.My Account 4.
5.Bank Transfers 5.Delete Favorite
Delete Favorites

Enter Favorites
Name ALL
Delete Favorites

1.MyBill
2.AYYAZ
3.Account2
2
Delete Favorites

Now deleting You have

AYYAZ from successfully
your favorite 32408 deleted AYYAZ
list. To confirm from your
enter PIN favorites list
Fund Transfer to easypaisa Account
- Internet
l Go to menu
l Payments  Make A
Payment  Cellink
 Enter recipient’s easypaisa account number



Enter Amount
l Enter receiver easypaisa
account number, amountEnter Reference
and hit Next



Hit Next to continue
Hit Ok to Confirm Transaction
l Successful message screen
appears
Successful Message Screen
Fund Transfer to CNIC
l Go to menu
l Payments  Make A
Payment  Money
Transfer Enter recipient’s easypaisa CNIC


 Enter Amount

l Enter receiver CNIC number,

Amount, secret Pass-Enter 5-digit Secret Pass-code
code and hit Next
 Hit Next to continue
Hit Ok to continue


l Successful message screen Successful message screen

appears
 Account Statement
l Click on Statement Enquiry
l Select To and From Date
l Select Filters to view specific transaction and click OK

NDAMO Account Number

Add Beneficiary - Cellink
l Select Add/Update  Beneficiary List  Cellink
l Enter beneficiary name
l Enter beneficiary easypaisa account number
l Click on save
Add Beneficiary – Utility Bill
l Select Add/Update  Beneficiary List  Utility bill
l Enter a short name, to be referred later
l Enter consumer Id
l Select Utility Type (Electricity, Gas, Telephone)
l Select utility company (KESC, MEPCO etc)
l Press Save
l
l
Add Beneficiary –Transfer Out
l Select Add/Update  Beneficiary List  Transfer Out
l
l A list of already added transfer out account is displayed
l
l Click on Add to add new (Click on already added transfer out short name to edit)
l
l Select Bank as Tameer
l
l Select Account Type (Current, Savings)
l
l Enter Account Number
l
l Enter easy to remember Short Name
l
l Press Next to continue
Schedule Payments
l Add a Beneficiary Using Add/Update  Benificairy List
l
l Now go to Payments  Schedule Payments
l
l Click on Add
l
l Select the beneficiary from the list displayed
l
l Select frequency (daily/monthly/yearly/once)
l
l Enter start date and end date
l
l Enter Amount and click ok
Add/Update Transfer In
l Select Add/Update  Transfer In Account
l Select Bank as Tameer
l Select Account Type (Current, Savings)
l Enter Account Number
l Enter easy to remember Short Name
l Press Next to continue
l Now call helpline and register a request to authorize your Tameer bank
account details
l Subscriber will receive a call from Tameer Bank and after verification,
subscriber can transfer funds from/to Tameer bank account
l