Airpay, is to be SPOC for payments, the one-stop online (Payment Gateway, Net Banking, IMPS) + offline (Mobile POS) payment platform for omni channel businesses. Our platform currently accepts multiple payment instruments, across multiple channels.

1. Copyright Airpay Payment Services Pvt. Ltd.
1

2. Copyright Airpay Payment Services Pvt. Ltd.
Traditional E-Commerce Multi-Channel Omni-Channel
Customers shop at
brick & mortar stores
C u s t o m e r s s h o p
online through
e - c o m m e r c e
websites
Customers shop via
multiple channels:
retail stores & online
Customers engage
a n y w h e r e v i a
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.
‘‘
‘‘
- Macy’s Inc.

3. Copyright Airpay Payment Services Pvt. Ltd.
Retail is changing but transactions remain at the heart

4. Copyright Airpay Payment Services Pvt. Ltd.
airpay offers online & offline integrated payment solution
airpay facilitates, payment acceptance using any payment instrument
across multiple channels

5. Copyright Airpay Payment Services Pvt. Ltd.
Website & Mobile
Call Centre /
Sales Offices
Stores &
Distributors
COD (Cash on
Delivery)
airpay offers an online & offline integrated
payment solution across touch points

6. Copyright Airpay Payment Services Pvt. Ltd.
Customers Merchants
Internet Payment Gateway
| Net Banking | IVR | Mobile POS |
| Telcos | Other Channels
Payment channels
airpay is the conduit
between merchants & their customers
for all their transactions

7. Copyright Airpay Payment Services Pvt. Ltd.
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

8. Copyright Airpay Payment Services Pvt. Ltd.
Customers Merchants
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
55+
Payment
Instruments
Internet
Payment
Net
Banking
IVR
Mobile
POS
Other
Channels

9. 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

10. Operational Efficiency & Revenue Growth
Dynamic dashboards | Detailed platform level reporting

11. (No Emails / No additional paperwork / No Phone calls)
AUTOMATED TOOLS
Online Refunds
Chargeback settlement
Proactive risk assessment
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
Payment Innovations
Instant Discounts (Marketing Initiative)
EMI Solutions
Cash Back
Single check out
Subscription billing

12. Copyright Airpay Payment Services Pvt. Ltd.
To focus on verticals servicing
repeat customers
• FMCG Companies (Sales & Services)
• Consumer Durables
• School Fee Collection
• Society Maintenance Charges
• Hotels & Restaurants Chains
Frequent & repetitive billings, not once in few years
Repeat
Transactions
our philosophy

13. Copyright Airpay Payment Services Pvt. Ltd.
T + 2 Money in the banks (Reconciled with detailed MIS)
55+ Payment
Instruments
Reconciliation
&
Settlements
Billing
&
Collections
airpay facilitates, payment life cycle offering end to end solution
Sales
Channel
Acceptance
PCI Certified
Platform
Customers Merchants
EMI
&
Cash Back
Instant
Discount

14. Copyright Airpay Payment Services Pvt. Ltd.
airpay facilitates, forward & backward integrations for transactions
ForwardIntegration
BackwardIntegration
hotelpay
schoolpay
societypay
inovoicepay
smspay
nowpay
Existing ERP
CRM
SAP

15. Copyright Airpay Payment Services Pvt. Ltd.
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
airpay, SPOC (single point of contact) for payments

16. Copyright Airpay Payment Services Pvt. Ltd.
our business model & pricing

17. Copyright Airpay Payment Services Pvt. Ltd.
airpay
Proposition
• Integrated Online & Offline
Payment solution
• Simple pricing model
• Risk & Fraud
Management Module
(Verify your transactions)
Solution
• Single account multiple
payment solutions
• Hierarchal account
management for multi
outlet merchants
• Round Robin transaction
execution
Differentiation
• Proprietary Technology
built in-house
• Customer-centric
approach for a frictionless
experience
• Vertical focused payment
solutions

18. Copyright Airpay Payment Services Pvt. Ltd.
18
use case

19. Copyright Airpay Payment Services Pvt. Ltd.
19
Website & Mobile
Website
SDK / APP
Cash Deposits
Call Centre
IVR
InvoicePay
SMSPay
Stores
MPOS
InvoicePay
SMSPay
Home Delivery
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
• Credit Cards
• Debit Cards
• Pre Paid Cards
Payment Instruments
Touch Points

20. Copyright Airpay Payment Services Pvt. Ltd.
shopping cart - website & mobile
(responsive payment page)
T + 2 Money in the banks (Reconciled with detailed MIS)
• 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.

21. Copyright Airpay Payment Services Pvt. Ltd.
mobile devices
T + 2 Money in the banks (Reconciled with detailed MIS)
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

22. Copyright Airpay Payment Services Pvt. Ltd.
call centre & sales offices
T + 2 Money in the banks (Reconciled with detailed MIS)
• 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)

23. Copyright Airpay Payment Services Pvt. Ltd.
cash deposit
T + 2 Money in the banks (Reconciled with detailed MIS)
• 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

24. 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)

25. 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

26. Copyright Airpay Payment Services Pvt. Ltd.
SMS Link with the
payment hyperlink sent
from centre
Customer can preview
Invoice
& PAY on Mobile
Customer Details
already captured from
the registered Mobile
Number & also acts as
the confirmations to
show the data
Short Code Billings
Customer can SMS codes
TS150 to 54646

27. Copyright Airpay Payment Services Pvt. Ltd.
27
Credit Card
payment options
Debit Card
payment options
45+ Net Banking
payment options
Payment Successful
We will pass the confirmations to the merchant

28. Copyright Airpay Payment Services Pvt. Ltd.
team
our story
We met in 2010 to build India’s 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 India’s 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

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