Workflow & Training Guidelines for TATA mRUPEE's Merchant Onboarding Live Project.

1. Project Workflow & Training Guidelines

2. ABOUT ‘mRUPEE’
 MMP Mobi Wallet Payment Systems Limited (MMPL) is a fully owned subsidiary of
Tata Teleservices Limited. MMPL’s flagship product is a Mobile Money Order and
Semi Closed Wallet – launched under the brand name “mRUPEE”. MMPL is
authorized by the Reserve Bank of India (RBI) to set up a semi closed wallet.
 mRUPEE - your money on your mobile, is a revolutionary new-age service that
gives you the convenience to do various transactions through your mobile phone. It
is also a safe alternative to carry cash/card. This unique service converts your
mobile phone into a mobile wallet that enables you to: Send money to your family &
friends - bank account and mRUPEE mobile wallet, Shop online & Make payments
of bills & services.

3. PROJECT OBJECTIVE
 The objective of this Project is to popularize and improve
the acceptance of mRUPEE Wallet as a mode of payment
among various merchant categories. Since mRUPEE is a
newly launched product, the ultimate aim is to gain a
foothold in the market and activate the usage of this
Product among both sellers & buyers.

4. PROJECT TASKS
&
EXPECTED OUTPUT

5. STEP 1
Identify target
businesses around
your locality as per
given categories
STEP 2
Pitch mRUPEE as an
alternative method of
accepting payment
STEP 3
Get them to Fill a KYC
Form & Collect POI &
POA Photos
STEP 4
Put a mRUPEE Sticker
at a high visibility, high
footfall location within
the outlet
STEP 5
Submit all the Form
Details, Pics, Sticker
Proofs, etc. via POI
Mapper App
If Interested,
mRUPEE
Merchant
Alliance System

6. CONDUCT SECONDARY
RESEARCH TO IDENTIFY
POTENTIAL MERCHANTS.
Step 1

7. WHO SHOULD YOU TARGET?
Merchan
ts for
Meal
Pass
Restaurants
Food
Courts
Canteens
Bakerie
s
Coffee
Shops
Ice-
cream
Parlours
Sweetmeat
Shops
Juice
Parlour
s
Target Merchants
whose Businesses fall
into the following
categories ONLY:

8. WHO SHOULD YOU TARGET?
 Merchants who accept Sodexo Meal Vouchers.
 Any decent restaurant which is visited by the corporate crowd – i.e.,
a restaurant with a menu card, seating place of 15 people,
immovable and hygienic.
 Merchants should be located near Corporate Houses/ Office Hubs.
 Merchants located in the areas surrounding IT Parks should be
actively targeted.

9. HOW TO LOCATE THESE
MERCHANTS?
1. First, identify the Major Corporate Hubs & IT Parks around the City
via Google Search. Examples :-
 Connaught Place in Delhi, Sector 125 in Noida, Cybercity in Gurgaon.
 DLF Ramapuram, Ascendas, Tidel Park, RMZ Perungudi, SP Infocity, in Chennai
2. Next, go to listing sites such as Zomato & JustDial to locate Food
Outlets (as per categories mentioned) in & around these areas.
3. Finally, to locate Merchants who accept Sodexo Vouchers – Use
Sodexo Outlet Locator available online.

10. PREPARE YOUR TARGET
LIST
 Put down the details of all identified merchants in an
excel sheet. The information you should have are:
 Name of the Business
 Complete Address
 Contact Number
 Email ID (If Any)
 Operation Timings

11. PITCH mRUPEE TO
TARGET MERCHANTS
Step 2

12. Call & Take an Appointment
First, make an introductory call to the prospective merchants based on your
secondary research:
 Hi, I’m calling from mRUPEE Wallet - A 100% subsidiary of Tata Teleservices.
May I speak to the Owner/ Manager?
 mRUPEE Mobile Wallet is similar to the process you follow for accepting Sodexo
Coupons. However, it offers much more benefits than Sodexo or other such
products in the market.
 If you would be interested in this product, I would like to come & meet you in
person to discuss this product in detail and how you can benefit from it.
 Are you available for the same sometime today/ tomorrow?

13. Pitch the Product
 Visit the merchants on the scheduled date & time.
 The expected output of this meeting is to convince the merchant to get onboard &
accept mRupee Wallet as a mode of transaction for customer payments for his/
her business.
 Begin the conversation by asking a few questions:
― Are you familiar with the concept of Meal Vouchers/ Coupons?
― Do you accept any such Vouchers here? From Sodexo, Ethernet, etc.?
― What are the common issues you face while accepting vouchers as payments
from customers, or while encashing them?
 Next, Use the information in the following slides to give the bigger picture to
the merchant & to handle any queries.

14. What are Meal Vouchers?
Meal vouchers are paper or card
based vouchers given as a benefit
to employee by the employer to
have meal at eatery.
The meal vouchers enable
purchase of food products and
non-alcoholic beverages to the
employee.
The issuers of meal vouchers
have predefined tie ups with
merchants (places where these
vouchers can be used).
Meal vouchers used to bring
transparency for the employer,
employee, merchant and
concerned regulating authority.
Meal voucher are part of an
employee’s cost to company.
According to Income Tax Rule
3(7)(iii) of 1962 vide Meal
vouchers provided by the
employer to employee enjoy
income tax benefit.

15. Existing Trends For Meal Vouchers
In 2011 India had around 10 lakh meal voucher users with a market size of Rs.2000
Crore.
Meal vouchers benefit is limited to only 0.03% of the total tax payers in India.
Meal voucher market is monopolized by select few providers.
Close to 10,000 merchants across India accept paper based meal vouchers
Paper meal vouchers support only offline transaction.
Physical nature of paper based meal vouchers limits the penetration of meal
vouchers despite giving tax benefits.

16. About ‘mRUPEE’ Wallet
 TATA Teleservices Limited has launched a Mobile Wallet Service called -
mRupee, which combines the convenience of mobile phone wallet
and meal vouchers into a single app!
 mRUPEE works as one stop solution to all mobile related payments.
 It replicates the structure of physical wallet into a single app on your
mobile and internet.

17. More about ‘mRUPEE’ Wallet
 mRUPEE semi-closed wallet ecosystem caters to most daily payments
such as:
 Ordering food – Online or Offline
 Booking cab
 Merchant payments
 Utility payments
 Ecommerce

18. Disadvantages Of Meal Vouchers/ Coupons
FOR EMPLOYER
• Coupons are only for
one time use and not
reloadable
• Difficult to manage
logistics
• Physical distribution and
redistribution of coupons
are tough to maintain
• Pilferage & reconciliation
issues easily arise
• Managing different
denomination
FOR EMPLOYEE
• Higher chances of
coupons being
misplaced
• Inconvenient to carry
thick booklets
• Unable to track expense
• Difficult to facilitate exact
change
• Acceptability limited to
offline merchants only
FOR MERCHANT
• Difficult to access more
customers
• Settlement management
issues
• Managing voucher
expiry
• High MSF
• Reluctance to accept
paper vouchers
• Reconciliation issues
• Lack of support for
unorganized sector

19. Why should Merchants Partner with
mRUPEE?
mRUPEE’s Value Proposition is to bring incremental and sustainable revenue
for the merchant.
 Increased Footfall
― Associating with mRUPEE meal vouchers will increase footfalls at the outlet,
as we list all our partners in our directory for our users.
 Higher Business
― Meal voucher holder is an assured customer as they have meal money in their
wallet, which needs to be redeemed. We bring not just traffic to your outlets,
but people with ready spending power via their meal voucher
 Customer Loyalty
― As Meal voucher is given on regular basis, a loyal set of customers will come
to your store for redemption. TCS backed platform for MIS reports. Access to
reports and hence ease of reconciliation

20. Why should Merchants Partner with
mRUPEE?
 Additional Corporate & Customer base:
― TATA’s continuously increasing corporate user-base will be extended to all the partner
merchants. It includes companies such as TCS, TVS Electronics, TATA Motors, HTC
Mobile. Plus, mRUPEE is soon to associate with Tata Docomo for offering their wallet
services to Docomo’s extensive user-base of close to 90 mn.
 Ease of use and simplicity:
― The ease of sending money with just a few clicks is a fantastically efficient way
of working.
 Lowest Service Charges:
― Service fee of only 1.5% plus service tax will be charged against a transaction. This is
very less as compared to the service charge rates of 4% to 8% charged by other
companies in the market.

21. Why should Merchants Partner with
mRUPEE?
 Redirected & Focused Customer Base, wanting to use mRUPEE Meal
Vouchers:
― Customers who have been provided Money (by their employers) in their
mRUPEE wallet (as an Online Meal Voucher) can only use this money on
food and non-alcoholic beverages, unlike Sodexo Meal Vouchers, which
can be used to buy grocery or other daily items as well.
― This means, that these customers will be forced to visit only those
merchants who accept mRUPEE Payments instead of going o any other
store.

22. Comparison Between mRUPEE & SODEXO
mRUPEE
mRUPEE charges 1.5% plus service
tax as commission
mRUPEE pays back the transaction
amount to the merchant on the next
day.
mRUPEE is Digital Money which can
be utilized completely without any
wastage or loss.
SODEXO
Sodexo charges between 6.5 % - 8%
plus service tax as commission
Sodexo pays back the transaction
amount after a month
Sodexo has paper vouchers which
sometime leads to wastage and
unused vouchers

23. Transaction Process Flow between
Customer & the Merchant
User goes to a Restaurant.
Finishes his/her food and asks for the bill.
User wishes to make the payment via mRUPEE wallet.
User opens the application and clicks on merchant payment.
User selects the name of the Restaurant in ‘Merchant Payment’ section.
User feeds in his/her mPIN, OTP and invoice details (remarks section)
User makes the payment & restaurant guy gets all the necessary information
via SMS
mRUPEE submits the MIS the next day and clears the payment on T+1 basis
in the bank account.

24. COMPLETE ONBOARDING
PROCESS FOR
INTERESTED MERCHANTS
Step 3

25. ON-BOARDING PROCESS STEPS
• Get KYC / Merchant Acquisition Form filled & signed
• Take a picture of merchant’s Proof of Identification (POI)
• Take a picture of merchant’s Proof of Address (POA)
• Take picture of a Cancelled Cheque of the merchants’ bank
• Take a picture of merchant’s Service Tax Registration Certificate
• Apply onsite sticker of mRupee on the front door or near the cash
counter of the merchants’ outlet.

26. Merchant Acquisition Form

27. Get the KYC/ Merchant Acquisition Form
Filled & Signed
 Once a merchant agrees to use mWallet for accepting
payments from customers, he/ she needs to fill in the KYC/
Merchant Acquisition Form.
 To do this, go to the POI Mapper App on your phone and
Open the form, “Merchant Acquisition Form”
 Get the relevant details from the Merchant and once all the
information is filled in, get them to sign it digitally by using
their finger tips to sign on the phone’s screen.

28. Collect Document Proofs

29. List of Document Proofs Required
1. Proof of Identification (PoI)
2. Proof of Address (PoA)
3. PAN Card/ Service Tax Registration (Will also work as the
POI/ POA)
4. Cancelled Cheque
5. Portrait/ Passport Style Photo of the Merchant

30. What & How to Collect the
Document Proofs
For Any given Outlet:
 PAN Card & Service Tax Registration/ Undertaking is must.
 Above will serve the purpose for POA & POI as well hence it is not
required to collect additional POI & POA. With this document count
will be reduced by two.
In case, these 2 are not available, get the following:
 Take clear close-up picture of the merchant’s POI & POA i.e. Voter
ID, Driver’s License.

31. List of Permissible POI/ POA documents
 Valid Passport issued by Govt. Of
India
 Driving License
 PAN Card
 NREGA Job Card
 Aadhar Card
 Voter Id
 Rent Agreement registered by
State Govt.
 Recent Telephone Bill
 Bank Account Statement
 Electricity Bill
 Aadhar Card
 Valid Passport
 Voter ID card
 Driving License
Proof of Identification (PoI) Proof of Address (PoA)

32. Cancelled Cheque
 Get the Merchant to issue a Cancelled Cheque (A blank Cheque with
‘Cancelled’ written across it - Refer Sample below)
 Take a Photo of this Cancelled Cheque
 Upload on POI Mapper along with the Merchant Acquisition Form.

33. Portrait/ Passport Style Photo of Merchant
 Get the Merchant to stand in front of you
and take head shot of him/ her.
 This Photo fill be used as a part of the KYC
Details – similar to the passport size photos
that one needs to submit while filling hard
copy forms.

34. Stickers for On-Site Branding

35. Paste mRUPEE Stickers
For On-site Branding
 Paste 1 mRUPEE Sticker on the Front Door
 Peel off a mRUPEE Sticker and Stick it on the
surface such that it faces the people standing in
front of the counter.
 Make sure that the Sticker is pasted properly (No
Edges or corners coming off)
 Take 2 Pictures of the sticker:
 A close shot of the Sticker.
 A long shot – Street View of the Outlet with the
Name Board & Front Door with Sticker clearly
visible
 Upload the same on POI Mapper.

36. CLOSE SHOT
SAMPLE:
A close-up Picture of
the Sticker pasted on
the Front Door

37. LONG SHOT
SAMPLE:
Street-view Picture of
the outlet with Name
board & Front Door
Sticker Visible

38. Data Collection - POIMAPPER
 As mentioned in before, POIMapper is a data collection Mobile App through
which the student will be expected to fill the Merchant Acquisition Form and Take
the Picture Proofs to ensure faster acquisition of data.
 In addition to filling the Form, the student is required to capture & upload a
total of 5 images for each Merchant onboarded:
1. POI/ POA
2. Cancelled Cheque
3. Portrait Style Photo of Merchant
4. Close-up photo of the Sticker pasted on Front Door
5. Street-view Photo of the Outlet with the Name Board & Front Door Sticker
clearly visible

39. What Next?
 Once you upload the Form, it reaches the Project Manager & TATA
Team.
 The TATA Team will then validate the details provided in the Form
and give their Approvals.
 Likewise, when you have gotten approvals for 10 Onboarded
Merchants you will have completed the project successfully!

40. THANK YOU
&
GOOD LUCK