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Рубрикатор :: Бизнес-планы :: Бизнес, финансы, страхование, маркетинг и реклама :: Business plan "System of Online Payments Accepting and Control" (with financial model)
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Полное описание отчёта
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
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:
Discounted payback period
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.
Подробное оглавление/содержание отчёта
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 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
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
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
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