Business plan "System of Online Payments Accepting and Control"
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- Английский
- 04.12.2014
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Adaptation of this business plan is possible for similar project on the territory of Russia and countries of CIS.
The financial model in separate file is attached to this business plan, which makes it easy to build a new financial plan by entering the appropriate data.
Essence and idea of the project: creation of the payment service «EQ-Pay».
Specifics of the project: creation of unified system of acceptance and control of online payments, which integrates the different payment systems and is a mediator between Internet entrepreneurs and online buyers of goods and services.
Audience of the project: segments of B2B (Internet entrepreneurs) and B2C (final consumers, payers). The Russian-speaking population of CIS, European countries and the USA, which conducts the entrepreneurial activity in the territory of mentioned countries, were considered as B2B audience.
|
Geography of Audience |
Number of companies |
|
United States of America |
* |
|
Europe |
* |
|
CIS |
* |
|
|
|
|
TOTAL |
62,473 |
A state of the market:
- volume of global e-commerce market by results of 2013 has amounted to 1,248.4 bln USD and increased by 18% in comparison with the similar indicator of 2012;
- global turnover of e-commerce even in the current year 2014 will exceed the level of 1.5 trln USD and till 2017 it will amount to 2.4 trln USD approximately;
- according to the experts, besides the countries of Asia-Pacific region, the leaders of growth are Russia, Argentina, Mexico, Brazil, Italy and Canada;
- the Russian market of e-commerce tends to increase in 4 times till 2018: the share of online trading in the total volume of retail in Russia will increase from 3% to 12% during the next few years.
Financial indicators of the project:
|
Indicator |
Unit |
Value |
|
Necessary investment |
$ |
*** |
|
NPV |
$ |
*** |
|
IRR annual |
% |
*** |
|
Payback period |
years |
*** |
|
Discounted payback period |
years |
2.24 |
Excerpts from Research:
After the buyer’s definition of his purchase, he is addressed to the payment page of «EQ-Pay», where he chooses the convenient payment method.
Anyone of «EQ-Pay» system’s clients (the Internet entrepreneurs) has his own virtual account, where the funds from online buyers of goods and services are primary transferred.
A seller is informed about entering of payments in his favor. The client of «EQ-Pay» can take his funds in one of three ways:
- transfer to his account in a payment system;
- withdrawal to the ATM-card distributed by the «EQ-Pay» Company;
- replenishment of the VISA Virtual card issued by the «EQ-Pay» Company.
The fees for services of payments accepting amount to 2.9% of sum, which is transferred in a favor of the «EQ-Pay» system client.
Benefits of System for the Internet Entrepreneurs:
- signing of one agreement with the service for all types of payment systems;
- quick and easy integration;
- monitoring of the situation with helping of sales reports and analytics;
- there is no need to delve into the intricacies of each payment systems;
- an opportunity to reduce the number of stuff, which controls the taking of funds to the accounts;
- convenience of the system of online payments collection;
- the average market fees for services of systems of electronic payments accepting;
- an alternative in choosing of fee rate – an internet entrepreneurship can use either fixed or percentage rate, considering the most favorable variant for him depending on the average payment;
- single percentage rate of fees regardless the type of payment system, which the payments are transferred from;
- an opportunity to expend the number of available payment methods, increasing in this way the attractiveness of online store for the buyer;
- reduction of time period between making decision about the purchase and placing an order.
Benefits of System for Online Buyers of Goods and Services
- an opportunity to pay in the most convenient way;
- the site is multilingual;
- accepting of the most demanded currencies: RUR, USD, EUR, UAH;
- day-and-night accessibility of payments accepting system;
- there is no need for additional registration in the system of payments accepting – transition to it from the site of online store is automatic.
|
List of Tables, Figures and Diagrams |
3 |
|
Executive Summary |
5 |
|
1. Project Description |
6 |
|
2. Analysis of Market of Electronic Payment Systems (EPS) |
9 |
|
2.1. Global Market of E-Commerce |
9 |
|
2.2. Global Market of Electronic Payment Systems |
11 |
|
2.2.1. Market Key Players |
12 |
|
2.2.2. Market Forecasts |
13 |
|
2.2.3. Tendencies of Electronic Payments Market by Countries and Regions |
15 |
|
2.3. Project Audience |
18 |
|
3. Description of Services |
24 |
|
3.1.Basic Algorithms of the Service |
24 |
|
3.2.Main Clients’ Groups |
26 |
|
3.3.Potential of Project Services Development |
27 |
|
3.4.Requirements for the Users’ Identification |
29 |
|
3.5.Prohibited Business Categories in Accordance to the Requirements for Project Implementation |
32 |
|
3.6.Prohibited Jurisdictions |
34 |
|
3.7.Anti-Terrorism Measures and Anti-Money Laundering of Project |
35 |
|
3.8.Security and Fraud Prevention |
35 |
|
4. Project Partners |
36 |
|
5. Competitive Environment |
37 |
|
6. Project Marketing |
54 |
|
7. Project Personnel |
58 |
|
8. Financial Plan |
61 |
|
8.1. Assumptions of the Project |
61 |
|
8.2. Seasonality of the Project |
61 |
|
8.3. Sales Volume of Project Services |
62 |
|
8.4. Revenue of the Project |
64 |
|
8.5.Personnel of the Project |
65 |
|
8.6.Categories of Costs by the Project |
69 |
|
8.7.Cash Flow Statement |
70 |
|
8.8.Basic Financial Indicators of Economic Efficiency of the Project |
73 |
|
9. Sensibility Analysis of Project |
75 |
|
INFORMATION ABOUT THE «VTSConsulting» COMPANY |
81 |
TABLE
|
Table 1. Summary Table of the Main Online Payment Methods in Different Regions of the World |
17 |
|
Table 2. Number of Russian-Speaking Population of CIS |
19 |
|
Table 3. Number of Audience by Countries of the CIS |
20 |
|
Table 4. Number of Audience by the Countries |
22 |
|
Table 5. Potential Number of Companies (Project Audience), units |
23 |
|
Table 6. Restrictions on Use of Service |
35 |
|
Table 7. Project Partners |
36 |
|
Table 8. Profile of the Robokassa Service |
38 |
|
Table 9. Profile of the Z-PAYMENT Service |
40 |
|
Table 10. Profile of the DENGI ONLINE Service |
40 |
|
Table 11. Profile of the PLATRON Service |
41 |
|
Table 12. Profile of the PAY2PAY Service |
41 |
|
Table 13. Profile of the WALLET ONE Service |
42 |
|
Table 14. Profile of the PAYONLINE Service |
44 |
|
Table 15. Profile of the NEXTPAY.RU Service |
44 |
|
Table 16. Profile of the ONPAY.RU Service |
45 |
|
Table 17. Profile of the PAYANYWAY Service |
46 |
|
Table 18. Table of the ICEPAY Service |
48 |
|
Table 19. Profile of the PLATON Service |
49 |
|
Table 20. Project Marketing |
54 |
|
Table 21. Detailing of the Project Advertising Campaign |
56 |
|
Table 22. Calendar Plan of Marketing Strategy |
57 |
|
Table 21. Manning Table and Wages of Personnel |
58 |
|
Table 22. Responsibilities of Personnel |
58 |
|
Table 25. Assumption of the Project |
61 |
|
Table 26. Seasonality of the Project |
62 |
|
Table 27. Sales Volume of Project Services |
62 |
|
Table 28. Revenue of the Project |
64 |
|
Table 29. Revenue of the Project by Years |
65 |
|
Table 30. Personnel of the Project (Costs) |
65 |
|
Table 31. Costs by the Project |
69 |
|
Table 32. Cash Flow Statement |
70 |
|
Table 33. Cash Flows of the Project by Years |
72 |
|
Table 34. Basic Indicators of Project Economic Efficiency |
74 |
DIAGRAMS
|
Diagram 1. Types of Electronic Payments |
12 |
|
Diagram 2. Global Amount of Transactions via EPS |
14 |
|
Diagram 3. Global Volume of Payments |
15 |
|
Diagram 4. Turnovers of Payments via EPS, trln RUB |
17 |
|
Diagram 5. Seasonality of the Project |
61 |
FIGURES
|
Figure 1. Benefits of System for the Internet entrepreneurs |
7 |
|
Figure 2. Algorithm of Registration in the Service System |
24 |
|
Figure 3. Algorithm of Service Operation |
26 |
|
Figure 4. Algorithm of Identification |
30 |
|
Figure 5. Algorithm of Identification for Companies |
31 |