Presentation

for

Retail Merchant
From:
 Objective
To provide a convenience
payment solution to all kind of
merchants and their customers;
using advanced secured
technology based platform.
Net commerce on India has evolved over the past decade in
termsThe
of magnitude.
market size is expected to grow by 47% and
touch INR 46,520 crores by end of 2011.

Net Commerce Market Size from 2007 to 2011

(Figures in Crores. Percentages indicate share of the
overall market size)
Dec Dec
Year Dec 2007 Dec 2008  Dec 2009 2010+ 2011+
Online Travel 6,250 10,500 14,953 25,258 37,890
Industry (77%) (75%) (76%) (80%) (81%)

@source IAMAI , Net Commerce Report,

March 2011.
+: Estimated Figures
 Components of Net Commerce Market-
Digital Downloads
2%
Financial
Services
8%

Other
Online

Services
Online Travel 76% 6%
E-
Tailing
8%

@source IAMAI , Net Commerce Report,

March 2011.
Growth of Net Commerce over the Years (Figures
in INR Crores)

@source IAMAI , Net Commerce Report,

March 2011.
 The online travel market is estimated to
grow by 50% to touch
INR 37, 890 crores by December 2011.

@source IAMAI , Net Commerce Report,

March 2011.
Component Share of Online Travel

At present, out of total Online Travel market,

Domestic air travel contributes, 63%

v

Followed by Railway tickets contributing, 28%

v

International air travel, 4%

v

Hotel bookings, 2%
v

Bus tickets, 2%
v

Tour packages & Travel insurance, 1%

v

@source IAMAI , Net Commerce Report,

March 2011.
 MODE OF PAYMENT
Online shoppers use Debit cards/Internet banking as mode of
payment for shopping online.

Ever Used
Most Used
61%
50
37% %
35%
24%
18%
10%
8% 4%1% 3% 1%
------------------------------------------------------------------------------------------
Debit Credit Card Place order Prepaid cash cards Demand Mobile Payment
------------------------------
Card/Intern online and Draft
et pay offline
Banking later

(Base: 7.5 Mn Active Internet Users who have made online purchases)

@source IAMAI , Net Commerce Report,

March 2011.
 eCommerce Penetration
among
Active Internet Users

@source IAMAI , Net Commerce Report,

 PROMISING FUTURE
The online users in India have evolved
and are actively seeking to include their
digital interactions into their daily
activities – making purchases and
indulging in transactions being one of
them.
 OSS CARD
• A prepaid Cash Card launched in 2010.

• Authorized by the Reserve Bank of India (RBI)

• A Semi–Closed Payment Gateway.

• Multi Platforms Available

● E-commerce (Internet),
● M-commerce (SMS/GPRS)
● IVR

• In a country where less than 40% of families have bank accounts, cash cards like
OSS Card are helpful for those families who are unbanked.
 Behind the
Concept
Subhash 1

Ketan
Ø Infrastructur
200+ Motivated and Professional manpower

Ø e
Head Office located in Mumbai

Ø 24X7 Customer Support

Ø 80,000+ Online Distribution & Recharge Points across India and growing

Ø Servers located at a world class data centre in Mumbai with Unlimited Power and
Connectivity backup

Ø In House IT team with versatile skill sets

 System Security
Features
Ø All Transactions secured by Geo Trust are SSL secured (Geo-Trust is a leading
SSL certificate provider).
Ø All Applications and Databases are protected by Firewalls.
Ø All Servers are having the latest Anti Virus Software.
Ø Intruder Detection Systems are installed on the Servers.
Ø Pin numbers are provided to each subscriber and can be changed only by
them.
Ø Card Number, Pin Number & Mobile Number validation done in real time.
Ø Limit on Transaction amount.
 Payment Market in
User in
India
User in User in
Year Remark
2008 2009 2010

Credit Card 35.0 mn 25.0 mn 18.0 mn Continues dip

Debit Card 145.0 mn 170.0 mn 218.0 mn Growing

Cash Dominate the

95% Txns 94% Txns 92% Txns
Payments Indian Market

No statics available. Huge potential.

Cash Card As till Jun, 2010 it was not Can directly compete
regulated. to Cash payments
Payment pattern on Asia's Largest e-commerce
site www.irctc.co.in

Year 2010

Credit Card 31%

Debit Card 32%

Cash Card / Prepaid Account 37%

M
O
n
o
bi
nl Mode of Payment
e

P
a
y
m
e
n
t
s
:
-
 How does it
work
Online Payment Using ? Internet
Merchant’s

r
fo

2.
Retail

M PC os
it
Merch

er L sc
ic is

w
w
rv r V

ch o a r
ant

w
e

an gin d.
se me

t
to

b y To m
s

us
Cu

in
co
1.

g
Customer
Enter:
Custo
Merchant
mer
ID Card
No.
Amt Pass

n
io
at
6. on

rm
S fir
C

n
fi
M m

ed tio
on
S a

ss a
C

Pa rm
5.

OSS Card
fo
ti

Server
In
on

3.

4.Validation &
Authentication
 How does it
work ?
Mobile Payment Using SMS

r
fo
Custo

2. ay M
it
mer

ic is

Cu e b
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rv r V

st nt ile
e

m
se me

om
o

er si
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o
st

6. irm
nf

m ng
U
S a
Cu

M t

ak
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1.

e
Text Msg:

n
Retail Merchan
Merch t ID
ant Card No.
Amt
Pass
5.

S
SM to

x x o . OS

x)
S Me

xx N to

xx
Co rc

xx
nf ha

OSS
SM
ir n t

Card
3.
m

Server
at

(9
io
n

4.Validation &
Authentication
 Remittance &
Settlements
• OSS Card remits the amount to Retail Merchant on mutually
agreed terms.
• OSS Card transfers the money thus collected on behalf of
Retail Merchant in the following ways in their Bank Account.
Ø RTGS
Ø NEFT
Ø Cheque
Ø Online Transfer
Ø OR any other method as mutually agreed
 MIS & Controls
• Retail Merchant can view the last 5 Transactions reports by
sending a SMS to OSS Card system.
• Retail Merchant can also view and download the transactions
reports by using OSS merchant admin panel..
• All the reconciliation shall be done by OSS Finance
Department and differences, if any shall be sorted out within
72 hours.
 Benefits
v New convenient Payment Mode - Mobile
● To become an Alternate Option for Swipe Card Machine .
● To provide real time payment mechanism to Retail Merchants.
v All customers get an access to payments through OSS card by using
Mobile Phone (SMS).
v Retail Merchants will get a new set of customer base through OSS
Card.
v Direct engagement with customers will help Retail Merchants to
increase customer delight.
v Transaction Alerts through SMS & Email
v Pre Defined real time Settlement Process
 Marketing
Web Space
v Announcement on all OSS distribution points.
v Announcement on all OSS service websites.
Direct Marketing
v SMS blast to all OSS customers.
v Email campaign to all OSS customers.
BTL
v Handbill / paper insert campaign in catchments area
of the OSS distribution points.
v Poster Campaign at OSS distribution points.
ATL
v Merchant’s Logo in our services related
communication through various media.
 How to register?
v Visit to
http://www.osscard.com/merchant-registration.aspx
v Fill up the required details
v Registered you Mobile No.
v Enter the verification code received on your Mobile
v Get registered as a OSS Merchant
v You will received your Merchant Code through an SMS /
Email
 Reach
Us
üWrite to
support@osscard.com
Thank
You