how to digitalize your business · no part of this publication may be reproduced in any form except...

Copyright ©iPay88 (M) Sdn Bhd 2018 (formerly known as Mobile88.com Sdn Bhd). All rights reserved.

No part of this publication may be reproduced in any form except as permitted by the copyright owners.



How to Digitalize Your Business

Cloudy Wong, Merchant Acquiring

Information Type: Vital

Company: iPay88 Sdn. Bhd.

Information Owner: Marketing


No part of this publication may be reproduced in any form except as permitted by the copyright owners.3

About iPay88iPay88 is a leading and award-winning regional payment company in South East Asia. We provide innovative solutions to accept payments online and we strive to work with region’s most progressive businesses.

Established in 2000 in Malaysia

Malaysia’s Largest Payment Gateway

PCI DSS Compliance Level 1

Acquired by NTT Data in 2015

professional

team

members

230+supported

financial

institutions

100+e-Commerce

merchants

15K+

Our compliance:



Our AffiliationWe work together with multiple associations to ensure the growth of Malaysia's e-commerce ecosystem.



No. of Transactions (Mil) Transacted Sales Volume (Bil MYR)

12

Our Continuous Growth

0.1 0.10.5

0.9

1.5

2.8

4.8

7.0

8.3

2011 2012 2013 2014 2015 2016 2017 2018 Q1-Q32019

0.9 1.1

4.97.4

14.617.3

28.7

52.5

65.3

2011 2012 2013 2014 2015 2016 2017 2018 Q1-Q32019



Retail/Terminal Transaction Growth (eWallet)

13

2017 - Q3 2019

0

50,000

100,000

150,000

200,000

250,000

300,000



Mobile vs Desktop

15

2015 - 2018

0

2,000,000

4,000,000

6,000,000

8,000,000

10,000,000

12,000,000

14,000,000

16,000,000

Q1 2015 Q2 2015 Q3 2015 Q4 2015 Q1 2016 Q2 2016 Q3 2016 Q4 2016 Q1 2017 Q2 2017 Q3 2017 Q4 2017 Q1 2018 Q2 2018 Q3 2018 Q4 2018

Mobile Desktop



Online Banking vs Credit Card

18

2015 - 2018

0

2,000,000

4,000,000

6,000,000

8,000,000

10,000,000

12,000,000

14,000,000

16,000,000

Q1 2015 Q2 2015 Q3 2015 Q4 2015 Q1 2016 Q2 2016 Q3 2016 Q4 2016 Q1 2017 Q2 2017 Q3 2017 Q4 2017 Q1 2018 Q2 2018 Q3 2018 Q4 2018

Online Banking Credit Card



Our O2O Omni-Channel

23

Physical Retailers Banks e-Commerce Merchants



Our Payment Methods



iPay88 offers several of products to cater to your business needs and enhance your payment acquisition. All of the products can be easily integrated with your payment platform.

Our Products (Online)



Direct Link

Collect easy one-off payments for your goods and services

Features:• Suitable for multi-currency payments;

• Comprehensive reports for financial

reconciliation;

• Incorporated with Automated Fraud Screening;

• Real-time successful payment

acknowledgement by email;

• Transaction cancellation and refund;

• International Standard of Security.



Tokenisation

Substitute customer's bank card number with a digital token

Consumer TokenisationCustomer has a choice to save bank card 16 digit

number and expiry date to ensure a smoother future

payment. In the future only security vault password, CVV

and OTP will be required to complete the transaction.

Merchant TokenisationMerchant can store customers' bank card details by a

generated token. Merchant is then entitled to send the

token together with the amount to iPay88, which will be

deducted from customer's account, without entering any

additional codes



Easy Payment Plan

Convert e-shopping purchase into 0% Instalment Payment Plan

Features:• Suitable for Malaysia Ringgit only;

• Available for credit card holders at Hong Leong Bank

and Maybank for purchases over 500 MYR;

• Length of tenure - three, six, nine, twelve, twenty-four,

and thirty-six months;

• Comprehensive reports for financial reconciliation;

• Bank confirmation should take place instantly;





Recurring Payment

A scheduled payment based ontime-frame assigned

Features:• Recurring bill payment;

• Available only in Malaysian Ringgit;

• Easy to implement - no integration involved;

• Helps to save on operational costs;

• Maintains detailed transaction records;

• Real-time reporting;

• Customise your own "Subscription" button.



Email Payment

Fast, secure and easy way to bill your customer via email

Features:• Suitable for multi-currency;

• Comprehensive reports for financial

reconciliation;


• Real-time successful payment acknowledgement

by email;

• Transaction cancellation and refund;




Campaigns and Promotions

Offer incentives for your customers with attractive promo deals

Features:• Supports credit cards & e-wallets

• Broad and flexible customisation (type of

discount, period, conditions, percentage

and fixed amount);

• Easy integration into your system;

• Friendly tech support in case of queries

and problems.



Pay4Me

Let third parties pay for your customers' goods

Features:• Supports all payment methods (online

banking, bank cards and eWallet);

• Suitable for multi-currency payments;

• Easy integration into your system;

• Friendly tech support in case of queries

and problems.



iPay88 offers three services to correspond to your business model best. Choose your favourite one based on your needs, business size, goals and future prospects.

Our Products (Retail)

1. Smart Terminal 2. Payment Apps



• Improve your business cash flow within 48 hours with micro loans

• Micro loans from RM20,000 to RM150,000 to SMEs which does not require any guarantor or collateral

• Minimal Documentation Requirements:

• 12 months’ bank statement

• SSM certificate

• Up to 12 months’ repayment period at 1.5% interest per month

• No early payback penalty, just need 30 days’ notice

61

iPay88 Financing Services

• Who can apply?

• Enterprises, especially micro and SMEs

• Malaysian ownership

• 3-month to 12-month tenure

• Minimum 1-year in business



Our Loan Partners

62

Lending Interest 18% per annum 8 – 13% per annum 13 – 18% per annum 8 – 10% per annum

Loan tenure Short Term ( up to 12 months) Short and Medium ( 3 months to 3 years Short term ( 3 – 6 months) Medium and Long Term

Processing Fee Rm 50 RM 50,

1% upon approval / annum

1.5 – 2.0% Upon Approval Stamp Duty

Loan Nature Islamic Lending P2P P2P Bank

Plus Points Easy Sign Up with App, Accept Start-ups Allow Credit Line

(Drawdown), Higher Loan size

Lower interest and mid / long term

loan

Min Years in

Business to Qualify

12 Months Start Ups allowed 2 years

Type of loan SME, Business Loan SME, Business Loan SME, Business Loan

Loan Approval Within 3 days Within 3 days Within 3 days

Collateral Not Needed Not Needed Not Needed





Thank YouCloudy Wong, Merchant Acquiring, Manager

Suite 2B-20-1, 20th Floor, Block 2B, Plaza Sentral50470, Kuala Lumpur, Malaysia

T: +603 2261 4668

M: +6010 655 7626

E: [email protected]

W: www.ipay88.com

mailto:[email protected]

http://www.ipay88.com/

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