Total Business Solution Today’s Digital Innovation

PAYOK MERCHANT

PROPOSAL

www.payokonline.com

COMLETE BUSINESS SOLUTION

1

SIPL was incorporated as the manifestation of a dream, a dream to create unlimited

business opportunities for all its associates. We SIPL realized the need of a platform

for other such like minded people who want to start their own business but are afraid to

take the 1st Step.

Our dedicated team worked day and night so that a product can be developed

which can cater to the needs of this specific set of people and resulted in the launch of

SIPL, the platform for every individual who wants to start their own business &

generate substantial income month by month.

SIPL is not limited to one particular industry, it offers a wide range of services so that

you can give multidimensional growth to your business. This unique platform helps you

in the smooth sailing of your business.

Single Wallet

Multiple Services

Payment Gateway

Android App

Blazing Fast

Customer Care Support

24/7 Operational Services

Unlimited Agents

Instant Activation

Advanced Platform

A Unique Platform To Start Your Own Business :-

2

UNIQUE FEATURE

gyanibaba

You can create unlimited number of agents. The server is dynamic and doesn’t

matter how many agents you register; every single agent will enjoy seamless

transactions.

There are 5 different categories for your agents. While enrolling any agent you can

assign him a category. The category can be changed anytime from the back-

office.

The unique platform allows you to set different deals for different categories of

agents.

The system is fully automated and calculate your earnings based on the deals you

set. The commission on every transaction is transferred to your limit account on

real time.

The company provides branding support not only to you but also to your registered

agents.

The system is well equipped to generate any kind of report required to manage

your day to day business operations.

We have “click to call” feature, through which the agent have to just click on the

service icon and he will get automated call in his number by the dedicated

support team.

Unlimited Agents :-

Category :-

Deals Distribution :-

Automated Commission :-

Branding support :-

Transparent Reports :-

Click To Call :-

3

AEPS & MICRO ATM

PAYOK AEPS :-

• Aadhaar Enabled Payment System

• Balance enquiry

• Cash Deposit

• Cash withdrawal

• Aadhaar fund transfer

Amount Slabs Agent Commission

`100 - `3000 0.25% of trn. amount

`3001 - `10000 Max. `7.50 of trn. amount

• Commission Incentive Target Slab

• Target 10 Lakh to 25 Lakh in a month - 0.28% of the trn. amt., Max to ` 8.5 (Exclusive GST)

• Target above 25 Lakh in a month - 0.30% of the trn. amt., Max to ` 9 (Exclusive GST)

• Micro ATM for Cash Withdrawal

• Cash withdrawal facility on all bank debit card

• No monthly rental

• Instant commission and instant limit to account settlement

• No cash withdrawal limit *(Max. trn. value is `10,000 for single trn.) per card

Amount Slab Agent Commission

`100 - `10000 0.17% of trn. amount &

or Max. of `5 (Whichever is lower)

• Commission Incentive Target Slab

• Target 10 Lakh to 25 Lakh in a month - 0.20% of the trn. amt., Max to ` 6 (Exclusive GST)

• Target above 25 Lakh in a month - 0.23% of the trn. amt., Max to ` 7 (Exclusive GST)

* The above values are subject to change based on industry standards.

PAYOK AEPS Commission :-

Micro ATM Service :-

Micro ATM Commission :-

4

RECHARGE & DTH CONECTION

One SIM All Recharge model has seen a phenomenal growth in the recent past.

offers one of the most advanced and reliable recharging system.

• Instant Recharge 24/7

• Attractive Commission

• Complete Detail Reports

• Customer Care Support

• Automated refund procedure

Now you and your agents/retailers can sell any DTH connection to customers

directly from their outlet without keeping any stock of the same. The e-wallet

which is maintained for recharging and travel services can be used for the

same.

• Sell any DTH connection

• No requirement of keeping any stock

• Delivery & Installation within 3 working days

• Installation & Connection anywhere in India

• Excellent commission on every connection

• All the different plans available

• Instant commission on every transaction

Particulars Agent Commission

Recharge Upto 5.5% of Recharge Amt

(Operator Wise)

DTH Connection Upto `900 On Every Conn.

* The above values are subject to change based on industry standards.

Recharge :-

DTH Connection :-

5

MONEY TRANSFER

DMT & Money Remittance Customer Charge :-

Amount Slabs Customer Charge

100 - 25000 1% Service Charge

Minimum `10, Maximum `250

• Net 57% of the service charge (Exclusive GST)

• Target 25 Lakh & above in a month - Net 65% of the service charge (Exclusive GST)

Amount Slabs Customer Charge

100 - 25000 1% Service Charge

Minimum `10, Maximum `250

• Net 52% of the service charge (Exclusive GST)

* The above values are subject to change based on industry standards.

Maximum Non KYC transaction limit per month `25000

Maximum Non KYC transaction limit per month `25000

DMT & Money Remittance Commission :-

DMT & MR Incentive Target Slab :-

Minimum transfer limit per transaction `100

YBL Money Remittance Customer Charge :-

YBL Money Remittance Commission :-

Minimum transfer limit per transaction `100

6

TRAVEL SERVICES

Setting up and running a successful and profitable travel business is a highly challenging

task. We offer the most beneficial and affordable way to start your career in the

exciting travel industry. Instead of starting an agency on your own, from the ground level,

you can get started immediately with a solid foundation and unlimited support.

Best deals on all the airlines compared to any other travel portal

• Special coupon fares on almost all the major sectors

• Special round-trip fares

• More than 10,000 bus routes

• Good commission on all the domestic and international hotels

• Exclusive deals with international vendors to offer the best itineraries in best

prices

• Fixed and group departures word wide with good commission

• User friendly UI to manage the panel and all your agents

• 24/7 customer support for any type of help.

• Training and marketing materials.

• All travel services at your fingertips (Flights, Hotels, Bus, Holiday Packages & more)

Particulars Agent Commission

Flights Up To 10% (Basic and YQ)

Hotels Up To 20%

Bus 5% of Gross Fare

Holiday Packages Up To `10000

* The above values are subject to change based on industry standards.

Unique Travel Services - 1 Wallet :-

7

UTILITY SERVICES & UTI PAN CARD SERVICES

Through BBPS all the registered agents under are authorised to process almost

all the bill payments from one single wallet. The Bharat Bill Payment System (BBPS)

functions as a tiered structure for operating the bill payment system in the

country.

•Simple, convenient & secure online bill payment

•Telephone, Electricity, Gas, Insurance & many more

•Easy interface & simple steps to pay all your bills

Bill Category* Agent Commission*

Electricity

Agent commission of `5 for trans. between `0 - `1000

Agent commission of `15 for trans. between `1001 - `2000

Agent commission of `25 for trans. beyond 2001

Gas

Water

Telecom Postpaid

Landline

* Agent Commission is charged over the bill amount as customer convenience fee

* Taxes as applicable

* The maximum amount of customer convenience fee is `25

Now you can apply PAN Card for any of the customer and earn profits.

• Can issue a New Pan Card or reapply for lost Pan Card

• Pan Card is delivered directly to customer’s address

• Hassle free process

• Cost per PAN Card ̀ 110

* The above values are subject to change based on industry standards.

BBPS:

PAN Card

8

RAILWAY

Commercial License for selling railway reservation E-Tickets

Book E-Tickets at your convenience

Safe & Secure booking platform

Go live in few days

Unlimited railway tickets

Get Special IRCTC Digital Signature

• IRCTC web verifies the identity of the authorized travel agent and only allows

genuine agents to book tickets.

• No one can book tickets with your login details due to required digital certificate

authentication.

• Use of digital signatures and electronic documents helps make your online

transactions more secure.

• Hassle-free transactions: The travel agents can book railway tickets without any

hassles.

Will be charging a service fee of `5 on every PNR

Dongle (Digital Signature) is compulsory and will have to get renewed every 2 years

(Fee will range between `2,000 to `2,500 approx.)

Activation of IRCTC Booking service is subject to approval from IRCTC

Particulars Agent Service Charge

AC `40

Non AC `20

* The above values are subject to change based on industry standards.

Note :-

9

M-ATM & M-POS SERVICE

It also is a Point of Sale terminal for collecting electronic payments from any Debit or

Credit card:

• An additional source of income to Merchant in the form of incentive

• Can be used to swipe debit or credit card for purchase transactions at Merchant

establishment

• This facility is available to the card holder even if he does not make a purchase

transaction at his/her account.

• A single device can connect to phones through Bluetooth & USB Cable

• Increased customization capacity. Create end to end solution for the merchant

• Best value for money for the merchant. Lowest cost of ownership as the production is in

india

Amount Charges

0 - `2,000 Free

Above `2,000 1% plus applicable GST

Amount Charges

Any amount 1.87% plus applicable GST

Note:

1. `300 Monthly rental of MPOS Device

2. Transaction amount settlement will be done on T+1 basis

* The above values are subject to change based on industry standards.

Charges on Debit Card: MDR Charges (Merchant Discount Rate)

Charges on Credit Card: MDR Charges (Merchant Discount Rate)

INCOME PROJECTION

Service Avg.

Commission No. of

Income Transaction Transaction

Money Transfer 5000 1% 5 250 x 25 = 6,250

Flight 5000 3% 1 150 x 25 = 3,750

Hotel 3000 5% 1 150 x 25 = 3,750

Bus 500 5% 2 50 x 25 = 1,250

Recharge 100 2.5% 25 60 x 25 = 1,500

Railway 500 `20 5 100 x 25 = 2,500

Bill Payment 500 `5 5 25 x 25 = 625

AEPS 2000 `5.20 10 52 x 25 = 1,300

DTH Connection 1800 `700 3 (Per Month) 2,100

* Based on average transactions & industry standards.

10

Agent Monthly Income:

Total `23,025*

www.payokonline.com | Contact us :- +91-9625-459-292

Looking Forward To A Long Term

BBuussiinneessss RReellaattiioonnsshhiipp!!!!!!

Sikpav Infotech Pvt. Ltd.

ADD. - RZ-73/10, Govindpuri,New Delhi ,110019

(E) info@payokonline.com |(W) www.payokonline.com | (C) +91-9625-459-212