marketplace portal recarga fácil
DESCRIPTION
Especificação para TI de site próprio desenvolvido por Renato FigueiredoTRANSCRIPT
NPP Webstorehttp://www.portalrecargafacil.com.br
Main Concept
Call to Action Consumer
Create
consumer
account
Consumer
acess WEB
eCash
Consumer load
R$ using
Boleto or
Credit/Debit
card
Consumer buy recharges and
receive incentives
Our Webstore
Portal Recarga Fácil proposal
◦ Goal – Webstore for pre-paid services
Direct Sales
Mobile Recharges
Content Gift Cards
Domain http://www.portalrecargafacil.com.br
Indirect Sales
Top-up for merchants (companies or individual)
Menu option at http://www.nowprepay.com.br
Direct Sales
Portal Recarga FácilDirect Sales Products
Category 1 - Recharges
Each product has its own options for values to recharge
Each product has a default option (via radio button)
For each product we will charge a Convenience Fee of R$2,00
(message next to price label)
Only 1 recharge per session (customer can´t buy twite the same
recharge, even for diferente brands, but he can make a 2nd order)
Category 2 – Gifts => TBD
There will be related products at product page (consider the same category
in this 1st phase)
Portal Recarga FácilSite Cart and Checkout
Cart Page
No cross sell products and ´add more´ option
Empty Cart option (Esvaziar)
Checkout page must be https (ssl) and with fields:
Name
Surname
CPF (masked and checked)
CEP (zipcode) –with auto-complete and masked
Country (no option, just ´Brasil´ label)
Address (Endereço)
Number (Número)
Complement (Complemento)
Neighborhood (Bairro)
City (Cidade)
Province (Estado) – drop down options
Mobile Number (Celular) – masked (XX) XXXXXXXXX
Email (checked)
Password (security rules must be applied)
Option to receive email (free) or SMS (R$ 0,20) when recharge is done
Portal Recarga FácilSite Payment Options integration
Boleto (ours)
System must integrate to
Bank conciliation (daily)
E-cash (provides the recharge to customer and send the email and/or SMS)
Debit and Credit – supplied by Moip* (http://www.moip.com.br)
All integration documents can be found athttps://drive.google.com/a/vendteksystems.com/folderview?id=0B9sKQ9hC0QA7
Z28wRURZdW5Fdlk&usp=sharing
Portal Recarga FácilSite Homepage
TBD (vídeo, showcases, cms, testimonials, contact, etc)
Portal Recarga FácilSite CMS / Social Media
Blog
Structure
1 - Blog Homepage with all categories - will be Notícias (News) and
Produtos)
2 - For each Category show all posts
3 - Post Page
All these 3 pages will have right sidebar (for itens like ´search´, social
media, banners, products offer, recente topics, etc)
Social Media
Include option to Facebook, Google+, Twitter and Linkedin
Portal Recarga FácilHeader and Footer options (Menus)
Header (top menu itens) – clicking logo send to homepage Recarga Fácil (send to homepage) drop down with:
Loja de recargas (recharge shop) – showcase with all 4 products
Loja de gifts – showcase with all gifts
Notícias e Produtos (Blog)
Sobre Nós (About)
Mapa do Site (sitemap)
Contato
Gifts (link to Loja de gifts)
My Account
Editar (directs to Register for unlogged or MyAccount for logged users)*
Carrinho (Cart)
Pedidos (Orders)
Sair (Logout)
Contact
Search box
Footer
Legal content links, NPP and partners info, Social Media links
* Register process: please see slide 7
Indirect Sales
Nowprepay.com Indirect Sales Products
Will use same model of http://www.irecarga.com.br
Site will be http://www.nowprepay.com.br (as a menu option to ´Revendedor´)
Nowprepay.comIndirect Sales Products
Category page will have
Registration
1st phase – username/password
2nd phase – all checkout data including
Comercial Telephone
Pessoa Física option (then opens CPF)
Pessoa Jurídica option (then opens CNPJ)
Add cash (prepaid values with no convenience fee) – similar process of
Direct Sales
Information about comission to reseller (3%)
Link to My Account
My Balance (´Meu Extrato´) – please find comission dynamics in next slide
Sell here (´Revenda Aqui´)
´Checkout´ must consider customer´s name, surname, mobile #,
email and CPF
E-cash integration to provide the recharge to customer and
send the email
Nowprepay.comIndirect Sales – My Balance
Pay fee to resellers (merchants) and individuals (3%):
Example: If a merchant buy R$500 credits for sell a R$20 recharge his
credits are discounted by:
R$20 (-) 3% = R$ 19,40
So his balance now is
R$500 (-) R$ 19,40 = R$ 480,60
Balance must be similar to Bank Statements with Period option to reseller
Nowprepay.comSite Payment Options integration
Boleto (ours)
System must integrate to
Bank conciliation (daily)
Debit (no credit) – supplied by Moip* (http://www.moip.com.br)
All integration documents can be found athttps://drive.google.com/a/vendteksystems.com/folderview?id=0B9sKQ9hC0QA
7Z28wRURZdW5Fdlk&usp=sharing
Indirect Sales integration (iRecarga model) with IOS and Android app with
registration
App will have registration
Examples can be found at
http://www.portalrecargafacil.com.br
Tecnical information:
Wordpress v3.9.1 – PHP
Database = MySQL
Credentials
http://www.portalrecargafacil.com.br/wp-admin
user = vendtek
pw = vendtek
Backup
Competitors OverviewOnline Mobile Recharges
Onepayhttps://ssl.onepay.com.br
Values from R$5 to R$100 with credit or debit methods
Recarregue Fácilhttp://www.recarreguefacil.net.br/novo/faq
Values from R$13 to R$100 with credit cards
RVhttps://www.rv24horas.com.br
Values from R$5 to R$50 with credit or debit methods
via PagSeguro
iRecarga (Top-up model with Boleto)http://www.irecarga.com.br/pagamento_vendas_recarga.aspx
Debit online
iRecarga
Android and IOS apps – doesn´t offer registration in app
Competitors Strategy Overview
◦ Many of them charge `taxa de efetivação ou conveniência´ (realization or
convenience tax) for every recharge paid by credit/debit (no boleto)
◦ Some of them offer an extra moneylender insurance (offered by QBE)
◦ Values can vary from R$0,99 (RV) to R$2,00 (Onepay)
◦ iRecarga has an interesting approach to individuals and resselers
top-up pre-paid model with automatic recharge
no convenience tax but comission (3%) for customer
all payment options (included boleto)
minimum recharge is R$100 - allow revenue from float (no cash flow issue)
Only Boleto and Debit online (“no free lunch”)
Gateways cost study
Gateway costs – Bcash (Buscapé)
Gateway costs – Pagseguro (UOL)
Term of payment = D+14
Gateway costs - Akatus
Débito Online only for BB, Itaú and Bradesco customers
Transparent option for credit cards (don´t redirect to gateway)
Obs – Em 1/8 as taxas subiram 3pp a operações de recarga não serão
mais aceitas
Gateway costs - Moip
Transparent option for credit cards (don´t redirect to gateway)
Gateway costs - Moip
https://drive.google.com/a/vendteksystems.com/fol
derview?id=0B9sKQ9hC0QA7Z28wRURZdW5Fdlk&
usp=sharing
Gateway costs - Pagtel
Credit – 3.5% with in D+32 (prepayment under negotiation)
Debit online under negotiation (1.8% for D+2)
Gateway costs – Cielo Mobile
Credit – 4.5% in D+30 ou 6.99% parcelado até 6X
Debit – 3.19% in D+1
Aluguel do Reader = R$11,90/mês 1o ano e R$ 22,90 após
Tarifas não incluem risco de fraude
Portal Recarga Fácil proposal
◦ Goal – ´Marketplace´ for pre-paid services
Direct Sales
Mobile Recharges
Content Gift Cards
Indirect Sales (use NPP portal)
Top-up for merchants (companies or individual)
Portal Recarga Fácil – Business ModelDirect Sales
Charge ´Convenience Fee´ to cover credit/debit/boleto costs operations:
Avg Ticket = R$15,00
Credit Cards fee (negotiating prepayment with Pagtel*)
6.91% + R$0,69 in D+2 payments (supplied by Moip)
Debit online fee (negotiating with banks and Pagtel)
2.70% + R$0,69 in D+1 payments (supplied by Moip)
Convenience fee (example) = R$2,00 => (or 13% of Avg Ticket)
For R$15 avg ticket this tax can cover costs for
Boleto (own) - R$1,35
credit - 12%
debit – 7.3%
* Current 32 days
Portal Recarga Fácil – Business ModelDirect Sales
Our option:
Boleto and Debit/Credit* (Akatus/Pagtel/Banks)
Limit Maximum recharge to R$50
Monitor Avg Ticket and customer behavior
Negotiate volume options to raise limits till R$100
Obs - Competitors Overview Summary – Recharge Values Options
Onepay – 5-100 (credit/debit)
Recarregue Fácil – 13-100 (credit)
RV – 5-50 (credit/debit via PagSeguro)
* Credit card deficit from the fee we gonna charge would be R$1,59 ((R$50 x 6,4%)+R$0,39 – R$2)
and our net margin (around 6%) R$3,00 so we are always positive in bottom line credit card operations.
Portal Recarga Fácil – Business ModelIndirect Sales
Pay fee to resellers (merchants) and individuals (3%):
Example: If a merchant buy R$500 credits for sell a R$20 recharge his
credits are discounted by:
R$20 (-) 3% = R$ 19,40
So his balance now is
R$500 (-) R$ 19,40 = R$ 480,60
Portal Recarga Fácil – Business ModelIndirect Sales
Financial dynamics example:
Min Ticket = R$100,00
Debit online fee (negotiating with banks and Pagtel – around 1.80%)
2.89% + R$0,39 in D+1 payment (supplied by Akatus)
Comission to customer = 3%
Our revenue fee = 7%
This fee can cover costs for
Boleto (own) – R$ 7,00 vs R$1,35
Debit – 7% vs 3.28%
Portal Recarga Fácil - Marketing
◦ SMS - cross sell with our card transactions and mobile phones
◦ SMS to logged customers (with site credentials)
◦ Video infographics to ´coach´
Customers and Merchants – Direct Sales
Mobile Recharges
Companies – Indirect Sales
Comissioned mobile recharges
Portal Recarga Fácil - Marketing
◦ SEO adjustments (structured use of mains keywords)
◦ Blog
◦ Adwords
◦ Online Media, Social Networks, banners
Marketing – Competitors Keywords
Marketing – Competitors Keywords
Next Steps
◦ Approve Marketplace model (François/Carol)
Concept
Financials (gateway cost)
Comissions (Indirect Sales) – 3%
2 sites for direct and indirect sales (later we can introduce gifts from BNH)
◦ Negotiation for Credit and Debit options (Amauri/Renato)
◦ Rules for pre-paid balance - Indirect sales (Amauri)
◦ Trademark registration for Recarga Fácil or similar (Renato)
◦ Site building with (TI, Legal and Marketing)
Boleto integration to E-Cash (recharge only)
Orders integration to E-Cash
Credit/Debit gateway integration for pre-payments balance
Indirect Sales integration (iRecarga model) with IOS and Android app with registration
◦ Tests and Rollout