1

Copyright Airpay Payment Services Pvt. Ltd.

Traditional
Customers shop at
brick & mortar stores

Customers shop
online through
e-commerce websites

Multi-Channel
Customers shop via
multiple channels:
retail stores & online

Omni-Channel
Customers engage
anywhere via
integrated, seamless
experiences

Omni-channel means our stores, website and mobile devices are all working in
unison- and seamlessly behind the scenes to the benefit of the customer.
We are driving the customer online and online customers into the stores. We are
using mobile to feed both stores and online.

- Macys Inc.
Copyright Airpay Payment Services Pvt. Ltd.

E-Commerce

Retail is changing but transactions remain at the heart

Copyright Airpay Payment Services Pvt. Ltd.

airpay offers online & offline integrated payment solution

airpay facilitates, payment acceptance using any payment instrument
across multiple channels

Copyright Airpay Payment Services Pvt. Ltd.

airpay offers an online & offline integrated

payment solution across touch points

Website & Mobile

Call Centre /
Sales Offices

COD (Cash on
Delivery)

Stores &
Distributors

Copyright Airpay Payment Services Pvt. Ltd.

airpay is the conduit

between merchants & their customers
for all their transactions

Internet Payment Gateway

| Net Banking | IVR | Mobile POS |
| Telcos | Other Channels

Customers

Payment channels

Copyright Airpay Payment Services Pvt. Ltd.

Merchants

airpay offers online & offline integrated

payment solution offering multiple instruments

55+ Payment
instruments
Credit Cards (Master / Visa, Mastero,
Discover, Diners)
Debit Cards (Rupay)
45+ Net Banking Options
Cash Cards (Itz Cash, Oxigen)
IMPS
AMEX
Loyalty Cards
Mobile Wallet
Telco Billing
Cash Collection Centres

Copyright Airpay Payment Services Pvt. Ltd.

Customers

Merchants

Internet
Net
Payment Banking
Mobile
POS

55+
Payment
Instruments

IVR

Other
Channels

Credit Cards (Master / Visa) | Debit Cards (Rupay)

45+ Net Banking Options | Cash Cards (Itz Cash, Oxigen)
IIMPS | AMEX | Loyalty Cards | Wallets | Telco Billing
Cash Collection Centres
Copyright Airpay Payment Services Pvt. Ltd.

Our system gathers business intelligence & compares it to

global datasets to ensure best in class service

Proactive
Intelligence

Pre-empt
Fraud
Copyright Airpay Payment Services Pvt. Ltd.

Operational Efficiency & Revenue Growth

Dynamic dashboards | Detailed platform level reporting

SMART TRANSACTION ROUTING

Automated failover
Switching between banks
Fastest transaction routing
ONUS / OFUS card routing
MIS & Realtime Reports (web / mobile)
Dynamic dashboard
Detailed platform level reporting
Integrate your existing ERP / SAP
AUTOMATED TOOLS
Online Refunds
Chargeback settlement
Proactive risk assessment
Payment Innovations
Instant Discounts (Marketing Initiative)
EMI Solutions
Cash Back
Single check out
Subscription billing
(No Emails / No additional paperwork / No Phone calls)

our philosophy
To focus on verticals servicing
repeat customers

FMCG Companies (Sales & Services)

Consumer Durables
School Fee Collection
Society Maintenance Charges
Hotels & Restaurants Chains

Repeat
Transactions

Frequent & repetitive billings, not once in few years

Copyright Airpay Payment Services Pvt. Ltd.

airpay facilitates, payment life cycle offering end to end solution

Reconciliation
&
Settlements
Sales
Channel
Acceptance

Customers

Billing
&
Collections

PCI Certified
Platform

EMI
&
Cash Back
55+ Payment
Instruments
Instant
Discount

T + 2 Money in the banks (Reconciled with detailed MIS)

Copyright Airpay Payment Services Pvt. Ltd.

Merchants

airpay facilitates, forward & backward integrations for transactions

hotelpay

inovoicepay

Forward Integration

societypay

Backward Integration

schoolpay

smspay
nowpay

Copyright Airpay Payment Services Pvt. Ltd.

Existing ERP
CRM
SAP

airpay, SPOC (single point of contact) for payments

Save Integration Costs

~ INR 2 Lacs (per channel)
~ 10% AMC Charges (per channel)
~ License Costs
~ Headache of adding NEW channels (Planning, negotiation,
integration, testing time

Save Operations & Manpower Costs

~ 10 hours integration (per channel)
~ 2 hours daily reconciliation & Settlements
~ Multiple coordinations with finance & banks
~ Single window for all billing, reconciliation , refund, chargeback

Copyright Airpay Payment Services Pvt. Ltd.

our business model & pricing

Copyright Airpay Payment Services Pvt. Ltd.

airpay

Proposition

Solution

Differentiation

Integrated Online & Offline

Payment solution

Single account multiple

payment solutions

Proprietary Technology
built in-house

Simple pricing model

Risk & Fraud

Management Module
(Verify your transactions)

Hierarchal account
management for multi
outlet merchants

Customer-centric
approach for a frictionless
experience

Round Robin transaction

execution

Vertical focused payment

solutions

Copyright Airpay Payment Services Pvt. Ltd.

use case

18
Copyright Airpay Payment Services Pvt. Ltd.

Touch Points

Website & Mobile

Call Centre

Home Delivery

Stores

Website
SDK / APP
Cash Deposits

IVR
InvoicePay
SMSPay

MPOS
InvoicePay
SMSPay

MPOS
InvoicePay
SMSPay

Credit Cards
Debit Cards
Pre Paid Cards
Net Banking
Cash

Credit Cards
Debit Cards
Pre Paid Cards
Net Banking

Credit Cards
Debit Cards
Pre Paid Cards

Payment Instruments
Copyright Airpay Payment Services Pvt. Ltd.

Credit Cards
Debit Cards
Pre Paid Cards

19

shopping cart - website & mobile

(responsive payment page)

Payment Gateway
Credit Cards & Debit Cards can be processed
Visa/MasterCard/AMEX/Rupay/Mastero/Diners/Discovery
Net-banking
45+ banks are available for payment through internet banking
IMPS
Customer can make payment using IMPS as an option
Prepaid Cards
Oxigen / ItzCash / Etc.

T + 2 Money in the banks (Reconciled with detailed MIS)

Copyright Airpay Payment Services Pvt. Ltd.

mobile devices

Airpay has a SDK (software development kit) for all the mobile
operating systems
Android, iOS, Java, Windows, Blackberry
Acceptance Channels
Payment Gateway
Net Banking
IMPS
Pre Paid Cards

T + 2 Money in the banks (Reconciled with detailed MIS)

Copyright Airpay Payment Services Pvt. Ltd.

call centre & sales offices

IVR (Interactive Voice response)

Accept credit / debit card payments on the fly
InvoicePay & SMSPay
Call Centre executive, will be able to take the booking on
the phone & then email / SMS the invoice to the customers
Customer will have the option to make the payments
thought his (PC/Tab/Mobile)
Credit Card / Debit Card / Net Banking Payment options
(over 45+ payment option)

T + 2 Money in the banks (Reconciled with detailed MIS)

Copyright Airpay Payment Services Pvt. Ltd.

cash deposit

Consumer finds deposit locations by sending a SMS to 54646 cash <pin

code>
Pin code the pin code he is in, required field
SMS response goes out with 2 location addresses
Consumer goes to the deposit outlet and pays the money by giving the agent
the airpay transaction id
The agent updates the partner system with the airpay transaction id and
payment amount received
Airpay system is notified of this update via an API in real time the payment
status of the order as Authorized and notifies merchants of value added

T + 2 Money in the banks (Reconciled with detailed MIS)

Copyright Airpay Payment Services Pvt. Ltd.

COD - Cash on Delivery FOS - Feet on Street (Sales)

Tablet Payment Solution

FOS (Staff) will go & sell / services the products door to door,
they can now collect the payments using:
Mobile Application Payment
Tablet Browser Payment
SMS Invoice Payment
Mobile POS Collection

T + 2 Money in the banks (Reconciled with detailed MIS)

Copyright Airpay Payment Services Pvt. Ltd.

stores & distributors (m-pos -Mobile POS)

Integrate the airpay payment solution to collect payments at the doorstep:

Mobile Application Payment
Tablet Browser Payment
SMS Invoice Payment
Mobile POS Collection
Copyright Airpay Payment Services Pvt. Ltd.

Short Code Billings

Customer can SMS codes
TS150 to 54646

SMS Link with the payment

hyperlink sent from centre

Customer can preview Invoice

& PAY on Mobile

Copyright Airpay Payment Services Pvt. Ltd.

Customer Details already

captured from the registered
Mobile Number& also acts as the
confirmations to show the data

Credit Card
payment options

Debit Card
payment options

45+ Net Banking

payment options

Payment Successful
We will pass the confirmations to the merchant
Copyright Airpay Payment Services Pvt. Ltd.

27

team
our story

We met in 2010 to build Indias Largest Entertainment portal www.hungama.com. While working on the portal we
realised the difficulties & operational challenges we had to go through to integrate multiple payment instruments
across the channels. The process got more complicated once the portal went live because of the multiple partners
we had to work with.This was our eureka moment. We sensed a large untapped opportunity in the payment
space. In 2013, we embarked on our journey to build Indias first online and offline payment solution company to
offer merchants an integrated instrument and channel agnostic solution. An opportunity to simplify their payment
collection and concentrate on their core business.

what we bring to the table

Over 60 years of work experience, across diversified industries in India. Experience of working in startups,
successfully launching new companies and new business verticals in large organisations. Expertise across
Marketing, Product, Technology, Business Development, Sales and Services.

People
Kunal Jhunjhunwala

Amit Kapoor

Rohan Deshpande

Board

Utpal Sheth, CEO, RARE Enterprises

Rajesh Jhunjhunwala

Neeraj Roy, CEO, hungama.com

Copyright Airpay Payment Services Pvt. Ltd.

DISCUSSION
amit kapoor
amit@airpay.co.in
29
Copyright Airpay Payment Services Pvt. Ltd.