Presentation for

Retail Merchant Appointment

From: OSS Payment Solution Pvt. Ltd.

Objective
To provide a convenience payment solution to all kind of merchants and their customers; using advanced secured technology based platform.

Net commerce on India has evolved over the past decade in terms of magnitude.

The market size is expected to grow by 47% and touch INR 46,520 crores by end of 2011.

Net Commerce Market Size from 2007 to 2011 (Figures in Crores. Percentages indicate share of the overall market size)
Year Online Travel Industry Dec 2007 6,250 (77%) Dec 2008 10,500 (75%) Dec 2009 14,953 (76%) Dec 2010+ 25,258 (80%) Dec 2011+ 37,890 (81%)

@source IAMAI , Net Commerce Report, March 2011.

+: Estimated Figures

Components of Net Commerce MarketDigital Downloads 2% Financial Services 8%

Other Online Services 6%

Online Travel 76%

E-Tailing 8%

@source IAMAI , Net Commerce Report, March 2011.

Growth of Net Commerce over the Years (Figures in INR Crores)

@source IAMAI , Net Commerce Report, March 2011.

The online travel market is estimated to grow by 50% to touch INR 37, 890 crores by December 2011.

@source IAMAI , Net Commerce Report, March 2011.

Component Share of Online Travel

At present, out of total Online Travel market,
Domestic air travel contributes, 63%
Followed by Railway tickets contributing, 28% International air travel, 4% Hotel bookings, 2% Bus tickets, 2%

Tour packages & Travel insurance, 1%

@source IAMAI , Net Commerce Report, March 2011.

MODE OF PAYMENT
Online shoppers use Debit cards/Internet banking as mode of payment for shopping online.

Ever Used
Most Used
61% 50% 37%

35%
24% 18% 10% 8% 4% 1%
Draft

Debit Card/Internet Banking

1% -----------------------------------------------------------------------------------------------------------------------Credit Card Place order Prepaid cash cards Demand Mobile Payment
online and pay offline later

3%

(Base: 7.5 Mn Active Internet Users who have made online purchases)
@source IAMAI , Net Commerce Report, March 2011.

eCommerce Penetration among Active Internet Users

@source IAMAI , Net Commerce Report, March 2011.

PROMISING FUTURE
The online users in India have evolved and are actively seeking to include their digital interactions into their daily activities making purchases and indulging in transactions being one of them.

OSS CARD
A prepaid Cash Card launched in 2010. Authorized by the Reserve Bank of India (RBI) A SemiClosed Payment Gateway. Multi Platforms Available
E-commerce (Internet), M-commerce (SMS/GPRS) IVR

In a country where less than 40% of families have bank accounts, cash cards like OSS Card are helpful for those families who are unbanked.

Behind the Concept

Subhash Jewria

1st Generation Entrepreneurs

Ketan
Shah

Infrastructure
200+ Motivated and Professional manpower

Head Office located in Mumbai 24X7 Customer Support

80,000+ Online Distribution & Recharge Points across India and growing

Servers located at a world class data centre in Mumbai with Unlimited Power and Connectivity backup
In House IT team with versatile skill sets

System Security Features

All Transactions secured by Geo Trust are SSL secured (Geo-Trust is a leading SSL certificate provider). All Applications and Databases are protected by Firewalls. All Servers are having the latest Anti Virus Software. Intruder Detection Systems are installed on the Servers. Pin numbers are provided to each subscriber and can be changed only by them. Card Number, Pin Number & Mobile Number validation done in real time. Limit on Transaction amount.

Payment Market in India

Year
Credit Card

User in 2008
35.0 mn

User in 2009
25.0 mn

User in 2010
18.0 mn

Remark
Continues dip

Debit Card
Cash Payments

145.0 mn
95% Txns

170.0 mn
94% Txns

218.0 mn
92% Txns

Growing
Dominate the Indian Market Huge potential. Can directly compete to Cash payments

Cash Card

No statics available. As till Jun, 2010 it was not regulated.

Payment pattern on Asia's Largest e-commerce site

www.irctc.co.in
Year Credit Card Debit Card Cash Card / Prepaid Account 2010 31% 32% 37%

Mode of Payment

Online Payments:By using internet

Mobile Payments:By using SMS

How does it work ?

Online Payment Using Merchants Internet
Retail Merchant

Customer

Customer Enter: Merchant ID Card No. Amt Pass

OSS Card Server

4.Validation & Authentication

How does it work ?

Mobile Payment Using SMS
Customer

Retail Merchant

Text Msg: Merchant ID Card No. Amt Pass

OSS Card Server

4.Validation & Authentication

Remittance & Settlements

OSS Card remits the amount to Retail Merchant on mutually agreed terms.
OSS Card transfers the money thus collected on behalf of Retail Merchant in the following ways in their Bank Account.
RTGS
NEFT Cheque

Online Transfer
OR any other method as mutually agreed

MIS & Controls

Retail Merchant can view the last 5 Transactions reports by sending a SMS to OSS Card system.

Retail Merchant can also view and download the transactions reports by using OSS merchant admin panel..
All the reconciliation shall be done by OSS Finance Department and differences, if any shall be sorted out within 72 hours.

Benefits
New convenient Payment Mode - Mobile
To become an Alternate Option for Swipe Card Machine .
To provide real time payment mechanism to Retail Merchants.

All customers get an access to payments through OSS card by using Mobile Phone (SMS). Retail Merchants will get a new set of customer base through OSS Card. Direct engagement with customers will help Retail Merchants to increase customer delight. Transaction Alerts through SMS & Email Pre Defined real time Settlement Process

Marketing
Web Space Announcement on all OSS distribution points. Announcement on all OSS service websites. Direct Marketing SMS blast to all OSS customers. Email campaign to all OSS customers. BTL Handbill / paper insert campaign in catchments area of the OSS distribution points. Poster Campaign at OSS distribution points. ATL Merchants Logo in our services related communication through various media.

How to register?
Visit to http://www.osscard.com/merchant-registration.aspx Fill up the required details

Registered you Mobile No. Enter the verification code received on your Mobile
Get registered as a OSS Merchant You will received your Merchant Code through an SMS / Email

Reach Us
Write to
support@osscard.com

Thank You