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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