PAYMENTS!

PayTM, PayPal & PayUMoney

PayTM .

• GETTING STARTED. • Stands for Pay Through Mobile INTRODUCTI ON • One of the Largest & Fastest growing e-Commerce Websites • Initially focussed on Mobile & DTH Recharging but now ventures into electricity. gas and telephone bills • Owned by One97 Communications ..

TECHNICAL ARCHITECTURE OF PayTM The Three levels of Architecture: INTERNET: The interface rendering a network for commerce – PLATFORM! FIREWALL: Reasonable protection that enables safe. . secure transactions across various nodes ( Buyers. where the transactions are processed that were held on WWW by the customer. Sellers etc) ORGANIZATION: The system.

When the buyer buys the product. a commission is charged which generates a portion of their revenue. Other Sources – • Advertisements • Transactions • Advance Payment Models .REVENUE MODEL OF PayTM INTRODUCTION Earns Revenue through Market Model Gives opportunities to vendors to list their products on the PayTM website.

FOUR TYPES OF MODELS TRANSACTION MODEL SUBSCRIPTION MODEL ADVERTISEMENT MODEL ADVANCE PAYMENT MODEL .

e-bay.Uber. Haldiram& Domino’s • Silver – • Budget (Zero Setup Plan) Annual Subscription of Rs 2500 COMMISSION MODEL •This based on sale to sale •Seller is charged for every sale of the product listed •Further variation of the Subscription Model .CIRCULAR SUBSCRIPTION MODEL SUBSCRIPTION MODEL From Businesses for their Business to create Business The Subscription charges are divided into 4 categories: • Big e-commerce business make huge transactions everyday • Platinum (Maximum benefits) • Avail the facility of Paytm Wallets • Gold • Eg: BookMyShow. Jabong.

. As a result. they charge the businesses for the advertisements. which could be a boosting factor to the sales. which is also a main source of revenue for the organisation.ADVERTISEMENT MODEL PayTm allows other business to advertise on their portal.

it costs about 4% of TRANSACTIONAL AMOUNT . NO TRANSACTION COST! If you transfer wallet to wallet.TRANSACTION MODEL Charging Buyers and Sellers on Transactions that they make! If you load money on the wallet. NO TRANSACTIONAL COST! If you purchase at the Merchant side. again NO COST But if transfer from wallet to Bank.

ADVANCE PAYMENT MODEL Interest on the Seller’s Money • When PayTM receives money from the buyer to be transferred to the seller. the transfer doesn’t happen immediately. • This is extremely beneficial and called the Escrow Account Process. • It is held for a period on which the interest is earned by the organisation. .

HOW SAFE IS PayTM? .

SAFETY MEASURES FOR TRANSACTIONS • Banking through the official websites of Banks. Registered User ID and Password that require an OTP • Uses 256 bit Encryption Technology to secure card information • E-gift Vouchers and Coupons can only be redeemed if Sellers are and have listed the product on PayTm .

PAYMENT PROCESS .

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