+

Indonesia Online Payment Processor

PT Inti Prima Mandiri Utama

+

OVERVIEW

+ Online Transaction in Indonesia hits Rp 35

Trillion Sumber : www.detikfinance.com

19 Juni 2010

"Berdasarkan data dari IDC tahun 2009, tercatat nilai perdagangan lewat

internet di Indonesia mencapai sekitar $ 3,4 miliar atau setara dengan Rp 35

triliun," kata Chairman Sharing Vision, Dimitri Mahayana kepada detikINET,

Sabtu (19/6/2010).

Namun sayangnya, potensi luar biasa besar ini belum bisa ditangkap

oleh pemain lokal. Transaksi online tersebut masih dikuasai oleh

pemain asing. Pun demikian, dirinya optimistis bahwa pemain lokal bisa

berkembang asalkan para pemilik situs e-commerce dapat menyediakan

platform transaksi secara global.

+ Online Transaction in Indonesia hits

Rp 35 Triliun Sumber : www.detikfinance.com

19 Juni 2010

"Metode pembayaran pada transaksi internet masih dominan dilakukan

melalui kartu kredit dan kartu debet. Berikutnya adalah dengan Paypal,

transfer bank serta cash on delivery (CoD)," paparnya.

Ditambahkan oleh pria yang akrab dipanggil Pak Dim ini, dengan mengikuti

platform transaksi yang lazim dilakukan, sebenarnya akan semakin

membuka peluang bagi e-commerce dalam negeri.

+ Indonesians Start to Shop Online Sumber : www.detikfinance.com

13 Desember 2010

"Pertumbuhan ritel e-commerce akan terus mengalami peningkatan.

Peningkatannya cukup tinggi, tahun ini bisa mencapai 50%," kata Direktur Retail

Service Nielsen Yongky Susilo dalam keterangan pers, Senin (13/12/2010).

Pertumbuhan toko online yang didukung oleh pertumbuhan jumlah pengguna

Internet masuk akal karena penggunanya terus mengalami peningkatan.

Berdasarkan data dari Asosiasi Penyelenggara Jasa Internet Indonesia (APJII),

jumlah pengguna Internet di Indonesia mencapai 45 juta.

Adapun, data dari Telkomsel pengguna internet tahun ini akan mencapai 57,8

juta pengguna dan menurut data internet-worldstats.com pengguna Internet di

Indonesia pada tahun lalu mencapai 14% dari total populasi penduduk Indonesia

atau setara dengan 40 juta pengguna.

Untuk mempertahankan keberlangsungan penjualan secara online, Yongky

mengatakan hal itu dapat terjadi jika sistem pembayaran online yang jujur

dan dipercaya tersedia.

+ BI Support Bank Transaction Through Electronic

Media Sumber : www.inilah.com

12 Agustus 2011

INILAH.COM, Jakarta - Tren masyarakat perkotaan yang makin mobile menular

pada kebiasaan untuk melakukan transaksi pembayaran secara online baik melalui

HP maupun laptop.

Dalam hal ini, Bank Indonesia (BI) memiliki kewenangan mengawasi transaksi tersebut

sebatas pada sistem pembayaran yang dilakukan. "Kita ada kewenangan dalam

pengertian sistem pembayaran. Cuma sejauh mana itu saya nggak tahu persis," ujar

Kabiro Humas BI Difi A Johansyah di Jakarta, Jumat (12/8).Dikatakan Difi, dari sisi

risiko transaksi pembayaran secara elektronik misalnya dengan internet saat ini

masih aman dilakukan. "Risiko masih oke kalau saya lihat. Paling risikonya hacker.

Sebenarnya transaksi lewat internet itu aman. Satu, siapa sih yang bisa nerobos token. Dan

itu pun di batasin nggak bisa di atas Rp100 juta. Kalau saya lihat sih masih aman,"

ucapnya."Yang ketahuan sekarang ini kan pembobolan karena PIN-nya dikasih tahu ke

orang lain. Jadi faktor manusianya," pungkasnya. [cms]

+ Type of Items Purchased Online

Source: Dailysocial.net Mei 2011

+ E-Commerce Payment Model in

Indonesia

Source: Direktorat e-Bisnis Ditjen Aplikasi Informasi Komenkoinfo 2011

+

Menurut data AKKI (Asosiasi Kartu Kredit Indonesia) sejak akhir tahun 2010 hingga

Oktober 2011 jumlah kartu kredit meningkat dari 13 juta kartu ke 14,5 juta. Akhir tahun ini,

AKKI memperkirakan jumlah kartu kredit di dalam negeri mencapai 14,5 juta.

Menurut Data Perkembangan Transaksi Sistem Pembayaran yang dikeluarkan Bank

Indonesia (BI), hingga akhir Juni 2011 jumlah kartu anjungan tunai mandiri (ATM)

dan debit mencapai 58,32 juta unit, naik sekitar 12,95% dibandingkan dengan akhir

2010 yang sekitar 51,63 juta.

Kenaikan jumlah kartu ATM dan debit jauh meninggalkan pertumbuhan kartu

kredit yang hanya tumbuh 4,93% dari 13,57 juta unit pada akhir 2010 menjadi 14,24 juta

kartu pada akhir Juni 2011.

Credit Card vs. Debit Card Sumber : AKKI (Asosiasi Kartu Kredit Indonesia)

14.5 MILLION Credit Cards in circulation in 2011; a 4% Increase from 2010 -- AKKI (Asosiasi Kartu Kredit Indonesia)

58.3 MILLION Debit Cards in circulation in 2011; a 13% increase from 2010 -- Bank Indonesia

There are FOUR TIMES more Debit Cards than Credit Cards in Indonesia!

+ TOP 5 E-Commerce Problems/Issues

in Indonesia Sumber : www.dailysocial.net/post/permasalahan-pada-dunia-e-commerce-di-indonesia

24 Juni 2011

1. Behaviour

2. PAYMENT OPTIONS

3. Mobile

4. Logistic

5. Regulations

+

Indonesia Online Payment Processor

+

www.ipaymu.com

+ IPAYMU Product Service

+ Advantages of IPAYMU

Connected with more than 137 Banks through ATM Bersama, Prima, Plus, Link and Meps networks.

Includes both local and foreign major Banks in Indonesia.

Connected with PT Pos Indonesia

with more than 4000 outlets throughout Indonesia.

PayPal Official Partner

+ Advantages of IPAYMU

You could be a User (buyer) & a Merchant (seller)

with only 1 (one) IPAYMU account.

EASY, OPEN SOURCE (API), PLUG & PLAY

Integrated System for Webstore

+ Advantages of IPAYMU for Merchant

ONLINE

DONATION

PRODUCT

SUBSCRIPTION

SHOPPING CART

EASY CHECKOUT

CASH

WITHDRAWAL

As an IPAYMU’s Merchant you can utilize all the features as follows:

+

How can you get an IPAYMU

account?…

As easy as 1…2…3…

+

1

Make sure all your information is accurate when filling out the registration form.

+

Untuk keterangan lebih detil tentang cara pendaftaran, silahkan klik disini:

https://ipaymu.com/cara-daftar/

Make sure you have the correct Bank Name, Account Holder Name and Account Number.

+

2

After filling out the IPAYMU’s registration form, you will get IPAYMU’s Virtual

Account Number and you can start doing transaction using all the services such

as debit/e-wallet.

+

For more information about your Account Status, please click:

https://ipaymu.com/status-akun-ipaymu/

3

DONE!

You have Your own Ipaymu Account!

+ As a member, with 1 IPAYMU account, you can instantly get benefit as a

Merchant for those who own a webstore. Or… with an IPAYMU Account, ALL

MEMBERS (buyers) automatically become MERCHANTS (sellers) as well.

Transaction Menu for IPAYMU

Member.

MERCHANT’s Menu (IPAYMU Member)

+

DEBIT/E-WALLET

+ IPAYMU DEBIT/E-WALLET

Online Integrated

24-Hours Transaction

Easy & Real-Time Top Up

Easy & Real-Time Cash Withdrawal

137 Banks E-Wallet

+ IPAYMU DEBIT/E-WALLET Top Up Options

“Easy & Real-Time Top Up from 137 Banks”

E-Wallet

Internet Banking Mobile Banking ATM Cash Deposit (only for CIMB Niaga)

+

BENEFITS FOR BUYER:

Simple & Secure Payment!

Easy & Real-Time Top Up

Fast & Easy Online Transaction

IPAYMU DEBIT/E-WALLET

BENEFITS FOR MERCHANT:

FREE! Setup & NO Monthly Fee!

FREE! Payment Engine Processor System for Your Web Business

FREE! Escrow Engine Processor System

Accept Payment from Member or NON Member IPAYMU

Accept Payment from PayPal

Fast & Easy Online Transaction

Open API - Plug and Play!

+ Debit Transaction for ONLINE STORE…Before

+ Debit Transaction for ONLINE STORE…Now!

1% fee/transaction

With Only

+ Debit Transaction for Online Store Simulation

ONLINE STORE

IPAYMU MEMBER IPAYMU

NON-MEMBER

Online stores (IPAYMU Merchant) could receive

payment from NON-Members customers through

Bank Transfers into Store’s IPAYMU account.

Transfers can be made by using ATM Bersama

Network, Prima, Plus, Link & Meps (137 Banks in

Indonesia).

Online store (IPAYMU Merchants) could

receive real-time payment directly from

the Buyer (IPAYMU Member). Buyer only

need to enter their account username and

password for transaction

+

Accept Payment from

+ Debit Transaction for Market Place (User to User) Simulation

NO transaction fee!

+ What We Have in IPAYMU Transaction Report Dashboard

TRANSACTION Report IPAYMU – IPAYMU MEMBER

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TRANSACTION Report NON MEMBER IPAYMU – IPAYMU MEMBER

What We Have in IPAYMU Transaction Report Dashboard

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TRANSACTION Report PAYPAL

What We Have in IPAYMU Transaction Report Dashboard

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ESCROW

+ What is an Escrow Service?

Escrow Service is a guarantee service from iPAYMU, customer can use iPAYMU as an independent guarantor in every transaction conducted by the merchant’s online

store.

Escrow Service avoid risk of fraud or fake transaction and gives comfort and safety for both buyer and seller.

Upon receiving merchandise, customer will then pay for the purchased item.

IPAYMU Escrow Service could be use by all IPAYMU member.

By having an IPAYMU account, you can have Escrow Service between members.

Service fee is 2% from the price of the product.

+ Escrow Transaction Service Simulation

“ABC”

ONLINE STORE

IPAYMU BUYER MEMBER “A”

IPAYMU ESCROW

ONLINE STORE “ABC”

Online Store “ABC”

sells TV at a price of

Rp 1.000.000,-

“ABC” Online Store make TV delivery

purchase to “A”.

Buyer Member “A” placed TV payment.

Payment is suspended in IPAYMU Escrow system.

In this case, the 2% Escrow fee (Rp 1.000.000,- + 2%) is charged to “A”.

1

2

3

IPAYMU Escrow System

notifies payment

confirmation TV purchased from “A”.

4

Buyer Member “A” agree to

purchase TV at “ABC” Online Store.

“A” confirmed the TV has been received from “ABC”

store via email that has been provided by the IPAYMU

Escrow System.

5

Buyer Member “A”

purchases using Escrow

service, to make sure

the item is received

before paying.

6

IPAYMU Escrow System send TV payment from “A” after confirmation from “ABC” store.

Escrow Transaction is successful.

NOTE:

IPAYMU Escrow Service could

only be used between IPAYMU

members.

+ IPAYMU Escrow service

1. REGULAR ESCROW IPAYMU.

An integrated Escrow Service with IPAYMU member account. As a member, you will

receive Escrow Service benefits. Regular Escrow service fee is 2% from the price of

the product.

2. PREMIUM ESCROW IPAYMU

Premium Escrow Service that could be set up according to your needs. You could set up

transaction fee using different Premium packages offered. Online store owner can adjust

the Escrow Service as needed.

+ Premium Escrow IPAYMU

For more information about Escrow Premium, please click:

https://ipaymu.com/escrow-premium/fees.php

Payment Options

Monthly

Yearly OR

+

MONEY TRANSFER

+ Money Transfer

For more information about Money Transfer, please click:

https://ipaymu.com/cara-kirim-uang/

Transferring to IPAYMU account is done online and in real-time (less than 1 minute);

Faster than conventional Bank services like RTGS and Clearing.

A few seconds after fund is received in the IPAYMU account (which contains NTP and

PIN), an SMS notification will be sent out to the account holder. Funds could be

withdrawn from account holders’ bank or ATM.

Money transfer between users could be done at anytime including National Holidays.

Maximum transfer amount is Rp. 5.000.000,- per transaction.

Transactions could be done more than once, the maximum amount transferred is in

accordance to your IPAYMU account.

Funds can be liquidated in 137 Banks across Indonesia, and can also be withdrawn

through ATM or Bank (within ATM Bersama Network and Prima) AND could also be

withdrawn from 4000 Post Offices all over Indonesia.

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4000 Post Office in Indonesia.

137 Bank under ATM Bersama Network,

Prima in Indonesia.

FREE! Money transfer between

IPAYMU user.

Money Transfer

+

IPAYMU

LEVEL STATUS

+ 3 Levels of IPAYMU Membership:

1. UNVERIFIED

FREE Membership

2. VERIFIED

Deposit / TOP UP Rp 100.000,- through Bank (Top Up could be done at ATM, Internet Banking and Mobile Banking).

From your initial Top Up of Rp 100.000,-

Rp 50,000 will be a one-time setup fee and the remaining Rp 50,000 is immediately available for your purchasing needs.

3. CERTIFIED

Get CERTIFY status to INCREASE your maximum daily transaction limits.

Up to Rp 10.000.000,-/day

4. PREMIUM CERTIFIED

Maximum daily transaction limits up to Rp 30.000.000,-/day, customized landing page and also a Negotiable Transaction Fees.

+

IPAYMU

AFFILIATION PROGRAM

+ What is an IPAYMU Affiliation Program?

For more information about Affiliation Program, please click:

https://ipaymu.com/afiliasi/

Affiliation or Referral Program is a program that we offer to IPAYMU Merchants.

Upon becoming an IPAYMU member, merchant partners could immediately participate in IPAYMU Affiliation/Referral Program where IPAYMU will give referral link that could be accessed by member merchant.

IPAYMU Affiliation/Referral Program gives all member a chance to receive commission by recommending others to register on the website as an IPAYMU user.

Merchant member will receive commission up to Rp. 25.000,- for each and every signed up member with verified status or those who have Top Up and registered from the Referral website.

+ IPAYMU Affiliation Program

IPAYMU member will receive confirmation from Affiliation Program through their Referral web link for every member registered.

Commission fee will instantly issued to merchant member after new member’s Top Up deposit of Rp. 100.000,- (Verified Status)

+ IPAYMU Affiliation Program Simulation

Affiliation

Member

Total Affiliation

Member

Affiliation

Commission Fee

Total Commission

Fee

1 – 10.000 10.000 Rp 10.000,- Rp 100.000.000,-

10.001 – 30.000 19.999 Rp 15.000,- Rp 299.985.000,-

30.001 > 20.000

Rp 25.000,- Rp 500.000.000,-

TOTAL MEMBER 49.999 Member

GRAND TOTAL Rp 899.985.000,-

IPAYMU Affiliation or Refferal program gives all IPAYMU members a chance to get commission up to Rp. 25.000,- for every new member (those with Verified status or have Top Up deposited Rp.100.000,-) who registered with IPAYMU through the referring website.

Only with 50.000 new IPAYMU member, you will have a chance to receive Rp 900.000.000,-!

Let’s promote IPAYMU through Referral link on your website and make sure they register now!

+ IPAYMU Mobile Application

NOW READY! Coming Soon

+

+

untuk

INDONESIA!

Thank You

www.ipaymu.com