Professional Documents
Culture Documents
Visa Confidential
Agenda
Cash displacement opportunity
Why mPOS and merchant adoption
mPOS partners and business models
mPOS activity across APCEMEA
Visa Confidential
Debit card
spend
81%
Credit
card
spend
Cash and
other
payment
type
usage
Visa Confidential
BILL PAY
SMALL TICKET
EVERY DAY
SPEND
LARGE TICKET
Vietnam
Philippines
Indonesia
Thailand
Malaysia
Singapore
HK
Utilities
0%
0%
0%
1%
15%
4%
2%
Insurance
1%
16%
39%
9%
62%
4%
26%
Telecom
1%
19%
6%
8%
3%
12%
1%
Health care
1%
17%
15%
4%
46%
28%
82%
Fast food
0%
1%
13%
1%
1%
3%
7%
Food Retailers
4%
11%
21%
15%
47%
34%
39%
Fuel
2%
16%
14%
22%
63%
51%
74%
Full-service restaurants
1%
23%
8%
10%
55%
36%
83%
Discounters
0%
0%
0%
4%
0%
0%
0%
Clothing
2%
27%
20%
17%
36%
36%
78%
Furniture
2%
10%
47%
59%
77%
41%
70%
Department stores
2%
17%
32%
43%
72%
44%
91%
Durable Goods
2%
14%
27%
60%
44%
47%
91%
DIY
0%
12%
52%
27%
87%
22%
65%
Travel Agents
13%
12%
12%
24%
59%
72%
93%
3%
21%
17%
33%
39%
65%
68%
1%
26%
59%
39%
47%
76%
65%
21%
47%
58%
64%
47%
26%
91%
Air Travel
TRAVEL &
ENTERTAINMENT Auto Rental
Hotels/Motels
Penetration Rates
Visa Confidential
>50%
25%<>50%
10%<>25%
<10%
Mid-tier
Small to Medium
Enterprise (SME)
Sub-Small to Medium
Enterprise (Sub-SME) or
Prosumer
Visa Confidential
90
million
127
million
Technical description
Mobile devices
(feature phones,
smartphones, tablets)
Acceptance
hardware
Visa Confidential
Mobile POS
Ezetap
Ezetap
Visa Confidential
Thumbzup
(SA)
(UK)
Ingenico iSMP
HandPoint
(FR)
(UK)
VeriFone
emerit
Payware Mobile
Entreprise (US)
(UK)
EMV only:
iZettle
Swiff
(Sweden)
(Singapore)
iVeri (SA)
(SA)
Rocket Internet
Payleven
(Hong Kong)
CNP
Swiff
SinaptIQ
(Singapore)
(Thailand)
PAX
(China)
M-swipe
Square
(India)
(US)
Appninjas
Swipe (US)
Setcom
Ezetap
Qwickpay
ManagePay
(S. Africa)
(India)
(US)
(Malaysia)
Visa Confidential
Visa Confidential
10
Device technology
Merchants
Visa Confidential
11
Enterprise merchants
adopting mPOS
Visa Confidential
12
Device technology
Merchants
Fast food
Insurance
B2B
Visa Confidential
13
Delivery
services
Key benefits
Merchant categories
Fast foods
Micro-merchants
Taxi
Visa Confidential
mPOS allows
Handyman,
immediate payment,
Plumber,
reducing settlement
Electrician,
and fraud risk
Window washers
etc.
Appeals to new
demographics
Direct sales
Key benefits
Invoicing, settlement
and related accounting
processes are more
easily resolved
14
Conventional POS
@ $200 takes
>3.5yrs to payback
when issued to
most merchants
42
36
A traditional POS at
$200 takes >3.5
years to payback
when issued to most
merchants
A mPOS priced at
$70 takes around 1.5
years to recoup,
while a low cost
option at $30 takes
as little as 6 months
30
24
$200
18
12
$70
$30
6
3
10
11
12
13
$70 mPOS
$30 mPOS
MDR @2.0%
MDR @2.0%
MDR @2.0%
(or 1.5%+rental)
(or 1.5%+rental)
(or 1.5%+rental)
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14
15
15
Distribution Models
Marketing and
Distribution
mPOS Platform
Acquiring processing
mPOS Partner
Direct model
mPOS partner
lead
Merchant onboarding
Acquirer
Distribution partner
mPOS Partner
Distribution
partner lead
Acquirer
3
Acquirer
mPOS Partner
Acquirer lead
Acquirer
Acquirer
mPOS Partner
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16
15 Markets
Implementation planning &
certification
XX32
Acquirers
Clients live
Actively engaged and planning
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17
Month1
Month2
Month3
Month4
Month5
Technical
2 Pricings
Pilot LOI: to define clear roles & responsibility
With 3rd parties
Merchants
panel selection
Marketing plan
agency brief
6 Processes
Press
releases/
conferences
Visa Confidential
Pilot launch
18
Visas Role
Enable
Modify Visa rules to support new transaction
types and transaction environments
Set standards for security and risk management
Accelerate
Prioritize key markets and focus resources
Work with partners to guide priorities, ensure
compliance, and support deployments
Lead
Unique assets to deliver integrated solutions
Selectively invest/develop for competitive
advantage
Visa Confidential
19