India Swipe is a proposed payment gateway company with the objectives of offering services at reduced commission rates, making the payment process seamless for buyers, and collaborating with online retailers. The company plans to allocate 12 employees and expects setup costs of Rs. 51,32,000. It projects processing 1,00,000 transactions per month worth Rs. 5 crores in total, earning Rs. 5 lakhs in revenue monthly at a 1% commission rate. This would allow the company to break even within 12 months.

1. E-Financial
Services
(payment
Gateway)
By
Valliappan P (128939)
Kaushik V (128957)

2. India Swipe Pvt Ltd.
www.indiaswipe.tk

4. Introduction:
Over the years, as technology has been advancing by leaps and
bounds, financial transactions are also becoming increasingly
faster, safer, agile & easier. One of the greatest technological
breakthrough in the recent past, with regard to financial
transactions, is the ability to transfer/pay money through
online payment gateways.

5. HUMAN RESOURCE ALLOCATION:
-------------------------------------------------------------1 CEO
1 CFO
1 Business Analyst
2 Software Engineers
2 Database Managers
2 Web Designers
1 Network Specialist
1 Office Assistant
1 Security
: (No Salary)
: (No Salary)
: (Partner - No Salary – will be given a stake )
: (Rs.30,000 / per Month / per employee)
: (Rs.30,000 / per Month / per employee)
: (Rs.30,000 / per Month / per employee)
: (Rs.30,000 / per Month / per employee)
: Rs.10,000
: Rs.6000

6. COMPANY COST STRUCTURE:
-----------------------------------------------------------------------Computer Hardware
: Rs.4,00,000
Office Furniture and Interior re-arrangement
: Rs.3,50,000
Site Establishment & Maintenance
: Rs.3,50,000
Online Marketing & SEO costs
: Rs.1,80,000
Employees
: Rs.27,12,000
Office Stationery
: Rs.40,000
Travel & Hospitality Expenses
: Rs.6,00,000
Bank Agreement Fees
: Rs.5,00,000
---------------------------------------------------------------------------------Total Cost
: Rs.51,32,000
-----------------------------------------------------------------------------------------

7. RETURN ON INVESTMENT:
-----------------------------------------------------------------------Average no. of transactions per month
: 1,00,000
Average amount per transaction per month
: Rs.500
Target sales value/month
: Rs.5 crores
Average commission rate per transaction
: 1%
Average revenue per month
: Rs.5 Lakhs
Optimum break-even point
: 12 months
---------------------------------------------------------------------------------Total Cost
: Rs.51,32,000
-----------------------------------------------------------------------------------------

8. Objective:
•
The main objectives of this project is:
•
To offer the services of a payment gateway at reduced commission rates.
•
To make the payment process more seamless & easier for the
buyer/payer.
•
To collaborate the payment gateway with potential online service
providers/retailers and forming a strategic alliance with them.

9. What is a payment gateway?
A payment gateway is an e-commerce application service
provider that authorizes payments for e-businesses, online
retailers, bricks and clicks, or traditional brick and mortar. It is
the equivalent of a physical point of sale terminal located in
most retail outlets. Payment gateways protect debit / credit
card details by encrypting sensitive information, such as card
numbers, expiry date and CVV value.

10. Issues with the current payment gateways……..??

11. India Swipe
What is new that India Swipe offers?
India Swipe offers the following facilities to its clients, that most
of the other gateways do not offer:
Lowest possible commission rates
Integrated fraud detection solution
Settlement within T+1 day.
Wide variety of payment options including international cards.
Higher purchase conversion ratio.
No setup fees or maintenance fees.

13. Business Model of India Swipe:

14. Various payment options provided by India Swipe:
1)Credit Cards: Visa, Master Card, American Express & Dinners Club
2)Debit Cards: Tie up with popular 54 banks in India, all of whom are
members of IBA
3)Net Banking: All major public & Private sector banks in India.
Key partners:
HDFC Bank, ICICI Bank, SBI, Citi Bank, Axis Bank,
Bank of Baroda & Kotak Mahindra Bank

15. Payment Gateway of India Swipe:

17. Commission Rates Charged by India Swipe:

18. Commission Rates Charged by Our Competitors :

19. 4P’s of Marketing:
Product
Price
Place
Promotion

20. India Swipe’s Prospective Clients:

21. Conclusion:
In India, there has been a steady growth in the popularity and usage of online
shopping and ticketing portals. This indicates that people of the country are
slowly starting to repose their trust in online payments & transactions. Also,
since the computer literacy levels are showing an increasing trend & the
access to the internet has become more affordable, one can expect tremendous
growth in this business in the near future. Having addressed all the concerns
that were plaguing the conventional payment gateways, one can say that India
Swipe has got all the potential to create history in the online payment gateway
business.

23. Thank You
visit us @
www.indiaswipe.tk