MARKET RESEARCH
PROBLEMS
Primary
Secondary
 With 67%, Security is most important
for customers followed by
convenience at 29%. (Sample size:
117)
 Wallet is most preferred payment
mode followed by UPI and
Credit/Debit Card
 With 37% Annual Operation Cost &
ROI at 31% are most important for
merchants. (Sample size: 45)
 Associated cost and customer
service key consideration in POS
Merchants
Acquiring
Issuance
 Demand of integrated
business solutions
 Limited options for shopping credit
 Unavailability of offline cashless payment alternatives
 Need of application- based
payment solutions for better
mobility
 Lots of Payment Failure
SEGMENTATION & TARGETING
Customers
 No direct connect between parties incase of online
payment failure
 Unavailability of secure alternatives to make payments
without sharing mobile number
ACQUISITION STRATEGY
Salaried employees, 20-55 years, Smart phone user (shifting towards NFC
enabled phones), seeking E2E digital contactless payment & higher data security
 By eliminating current pain points & through acquiring Merchants
ACQUIRING
ISSUANCE
 Cross-integration of Bajaj pay across merchant apps
 Merchant reward points based on transaction volume
Merchants
Consumer durables (rural/urban), digital product, lifestyle retail, EMI card –
retail spend, Bajaj auto-dealers as well as small scale retail stores
Targeting
 Partner with delivery agents & E-commerce
companies to use Bajaj Pay as SPOS for last mile
payment solutions
 Free POS device to merchants and their suppliers
Existing Merchant’s
Total Franchise
50.45 MM
Geographic Reach
3,100+
COST
Active Distribution
1.14 lakhs
 Equip them with Bajaj Pay App & POS as there complete POS solution
New Merchant’s
 Tap into new Merchants with Bajaj Pay Linked POS for B2B/B2C digital
payments analytics & financing based complete solution
 Bajaj pay to act like Software based POS for small retailers
 Cros-selling of Bajaj Pay across
existing products
 Redeemable points for each
transaction
 Enhanced payment app with
features addressing the major pain
points
REVENUES

Marketing & Promotional Expenses- 105Cr

On App Advertisement - 102.125 Cr

Software , Cloud & Data Centre - 30.95Cr

Listing fees – 3 Cr

Merchants Training Expense - 2.01 Cr

Commission on cross selling – 33.75 Cr

POS Device Expenses - 27.36 Cr

Subscription to POS services – 12.3 Cr

Commissions on payment Tx – 7 Cr
TOTAL COST – 165.32 Cr
TOTAL REVENUE – 110.18 Cr
USP
Bajaj Pay is a one stop payment solution offering POS financing,
anonymous payments & offline cashless transactions.
Unique Features of Bajaj Pay
ECASH: Offline NFC
based payment method
Credit wallet: Pre
approved Credit available
based on Past
Transaction & CIBIL Score
1Tap: Tap & Done feature
for buying products at
merchants on loan with
pre approved amount.
Secure-ID: Blockchain
based data storage for
privacy in transactions.
Bajaj Live: All Bajaj
Products are pre
approved based on credit
score & past history.
Customized UI: Highly
targeted UI based on
Customer Usage
ADD ONS
ACQUIRING
ISSUANCE
 SmarK- One stop business solution- from accepting
payments smart analytics to forecasting, automatic
reconciliation & marketing Capabilities
 Ex_T- Track all your expenses
through with option of BNPL
 Loyalty Benefits for every
penny spent through app
 Inventory & Employee Management ,TDS Collection,
Invoicing & Cross Currency Settlement
 AePS (Aadhar enabled Payment Solution) for merchant
in tier 3 cities
 Cross Integration of POS analytics with toggle On Bajaj
pay app
 SecurT- Make secure payments
without sharing details or
mobile number
 Faster Tx Failure Resolution
BAJAJ POS/GATEWAY
 Subscription based model : Gold
Diamond, Platinum
 Cross QR code Integration
 Offline transaction
 Video tutorials for Merchants
 Cross Integration With Bajaj
Finserv
POS INTERFACE