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, Sellers etc)
ORGANIZATION: The system, where the transactions are processed
that were held on WWW by the customer.

REVENUE MODEL OF PayTM INTRODUCTION

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

FOUR TYPES OF
MODELS
TRANSACTION
MODEL

SUBSCRIPTION
MODEL
ADVERTISEMENT
MODEL

ADVANCE PAYMENT
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, e-bay,Uber,

Haldiram& Dominos

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

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

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, NO TRANSACTION COST!
If you transfer wallet to wallet, again NO COST
But if transfer from wallet to Bank, it costs about 4% of
TRANSACTIONAL AMOUNT

ADVANCE PAYMENT MODEL

Interest on the Sellers Money

When PayTM receives money from the buyer to be transferred to

the seller, the transfer doesnt happen immediately.

It is held for a period on which the interest is earned by the

organisation.

This is extremely beneficial and called the Escrow Account

Process.

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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Next steps
Assignment 1

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Assignment 2

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Assignment 3

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Goals for
next
meeting

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amet, consectetur
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2.Sed do eiusmod tempor
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3.Ut enim ad minim
veniam, quis nostrud
exercitation