3. + Online Transaction in Indonesia hits Rp 35
Trillion
Sumber : www.detikfinance.com
19 Juni 2010
"Berdasarkan data dari IDC tahun 2009, tercatat nilai perdagangan lewat
internet di Indonesia mencapai sekitar $ 3,4 miliar atau setara dengan Rp 35
triliun," kata Chairman Sharing Vision, Dimitri Mahayana kepada detikINET,
Sabtu (19/6/2010).
Namun sayangnya, potensi luar biasa besar ini belum bisa ditangkap
oleh pemain lokal. Transaksi online tersebut masih dikuasai oleh
pemain asing. Pun demikian, dirinya optimistis bahwa pemain lokal bisa
berkembang asalkan para pemilik situs e-commerce dapat menyediakan
platform transaksi secara global.
4. + Online Transaction in Indonesia hits
Rp 35 Triliun
Sumber : www.detikfinance.com
19 Juni 2010
"Metode pembayaran pada transaksi internet masih dominan dilakukan
melalui kartu kredit dan kartu debet. Berikutnya adalah dengan Paypal,
transfer bank serta cash on delivery (CoD)," paparnya.
Ditambahkan oleh pria yang akrab dipanggil Pak Dim ini, dengan mengikuti
platform transaksi yang lazim dilakukan, sebenarnya akan semakin
membuka peluang bagi e-commerce dalam negeri.
5. + Indonesians Start to Shop Online
Sumber : www.detikfinance.com
13 Desember 2010
"Pertumbuhan ritel e-commerce akan terus mengalami peningkatan.
Peningkatannya cukup tinggi, tahun ini bisa mencapai 50%," kata Direktur Retail
Service Nielsen Yongky Susilo dalam keterangan pers, Senin (13/12/2010).
Pertumbuhan toko online yang didukung oleh pertumbuhan jumlah pengguna
Internet masuk akal karena penggunanya terus mengalami peningkatan.
Berdasarkan data dari Asosiasi Penyelenggara Jasa Internet Indonesia (APJII),
jumlah pengguna Internet di Indonesia mencapai 45 juta.
Adapun, data dari Telkomsel pengguna internet tahun ini akan mencapai 57,8
juta pengguna dan menurut data internet-worldstats.com pengguna Internet di
Indonesia pada tahun lalu mencapai 14% dari total populasi penduduk Indonesia
atau setara dengan 40 juta pengguna.
Untuk mempertahankan keberlangsungan penjualan secara online, Yongky
mengatakan hal itu dapat terjadi jika sistem pembayaran online yang jujur
dan dipercaya tersedia.
6. + BI Support Bank Transaction Through Electronic
Media
Sumber : www.inilah.com
12 Agustus 2011
INILAH.COM, Jakarta - Tren masyarakat perkotaan yang makin mobile menular
pada kebiasaan untuk melakukan transaksi pembayaran secara online baik melalui
HP maupun laptop.
Dalam hal ini, Bank Indonesia (BI) memiliki kewenangan mengawasi transaksi tersebut
sebatas pada sistem pembayaran yang dilakukan. "Kita ada kewenangan dalam
pengertian sistem pembayaran. Cuma sejauh mana itu saya nggak tahu persis," ujar
Kabiro Humas BI Difi A Johansyah di Jakarta, Jumat (12/8). Dikatakan Difi, dari sisi
risiko transaksi pembayaran secara elektronik misalnya dengan internet saat ini
masih aman dilakukan. "Risiko masih oke kalau saya lihat. Paling risikonya hacker.
Sebenarnya transaksi lewat internet itu aman. Satu, siapa sih yang bisa nerobos token. Dan
itu pun di batasin nggak bisa di atas Rp100 juta. Kalau saya lihat sih masih aman,"
ucapnya. "Yang ketahuan sekarang ini kan pembobolan karena PIN-nya dikasih tahu ke
orang lain. Jadi faktor manusianya," pungkasnya. [cms]
7. + Type of Items Purchased Online
Source: Dailysocial.net Mei 2011
8. +
E-Commerce Payment Model in
Indonesia
Source: Direktorat e-Bisnis Ditjen Aplikasi Informasi Komenkoinfo 2011
9. +
Credit Card vs. Debit Card
Sumber : AKKI (Asosiasi Kartu Kredit Indonesia)
Menurut data AKKI (Asosiasi Kartu Kredit Indonesia) sejak akhir tahun 2010 hingga
Oktober 2011 jumlah kartu kredit meningkat dari 13 juta kartu ke 14,5 juta. Akhir tahun ini,
AKKI memperkirakan jumlah kartu kredit di dalam negeri mencapai 14,5 juta.
Menurut Data Perkembangan Transaksi Sistem Pembayaran yang dikeluarkan Bank
Indonesia (BI), hingga akhir Juni 2011 jumlah kartu anjungan tunai mandiri (ATM)
dan debit mencapai 58,32 juta unit, naik sekitar 12,95% dibandingkan dengan akhir
2010 yang sekitar 51,63 juta.
Kenaikan jumlah kartu ATM dan debit jauh meninggalkan pertumbuhan kartu
kredit yang hanya tumbuh 4,93% dari 13,57 juta unit pada akhir 2010 menjadi 14,24 juta
kartu pada akhir Juni 2011.
14.5 MILLION Credit Cards in circulation in 2011; a 4% Increase from 2010
-- AKKI (Asosiasi Kartu Kredit Indonesia)
58.3 MILLION Debit Cards in circulation in 2011; a 13% increase from 2010
-- Bank Indonesia
There are FOUR TIMES more Debit Cards than Credit Cards in Indonesia!
10. +
TOP 5 E-Commerce Problems/Issues
in Indonesia
Sumber : www.dailysocial.net/post/permasalahan-pada-dunia-e-commerce-di-indonesia
24 Juni 2011
1. Behaviour
2. PAYMENT OPTIONS
3. Mobile
4. Logistic
5. Regulations
14. +
Advantages of IPAYMU
Connected with more than 137 Banks
through ATM Bersama, Prima, Plus, Link and Meps networks.
Includes both local and foreign major Banks in Indonesia.
PayPal Official Partner
Connected with PT Pos Indonesia
with more than 4000 outlets throughout Indonesia.
15. +
Advantages of IPAYMU
You could be a User (buyer) & a Merchant (seller)
with only 1 (one) IPAYMU account.
EASY, OPEN SOURCE (API), PLUG & PLAY
Integrated System for Webstore
16. +
Advantages of IPAYMU for Merchant
As an IPAYMU’s Merchant you can utilize all the features as follows:
CASH
SHOPPING CART
WITHDRAWAL
PRODUCT
EASY CHECKOUT
SUBSCRIPTION
ONLINE
DONATION
17. +
How can you get an IPAYMU
account?…
As easy as 1…2…3…
18. +
Make sure all your information is
accurate when filling out the
registration form.
1
19. +
Make sure you have the correct
Bank Name, Account Holder
Name and Account Number.
Untuk keterangan lebih detil tentang cara pendaftaran, silahkan klik disini:
https://ipaymu.com/cara-daftar/
20. +
After filling out the IPAYMU’s registration form, you will get IPAYMU’s Virtual
Account Number and you can start doing transaction using all the services such
as debit/e-wallet.
2
21. +
DONE!
You have Your own Ipaymu Account!
3
For more information about your Account Status, please click:
https://ipaymu.com/status-akun-ipaymu/
22. + As a member, with 1 IPAYMU account, you can instantly get benefit as a
Merchant for those who own a webstore. Or… with an IPAYMU Account, ALL
MEMBERS (buyers) automatically become MERCHANTS (sellers) as well.
Transaction Menu for IPAYMU
Member.
MERCHANT’s Menu (IPAYMU Member)
25. +
IPAYMU DEBIT/E-WALLET
Top Up Options
E-Wallet
ATM Internet Banking Mobile Banking Cash Deposit
(only for CIMB Niaga)
“Easy & Real-Time Top Up from 137 Banks”
26. +
IPAYMU DEBIT/E-WALLET
BENEFITS FOR BUYER:
Simple & Secure Payment!
Easy & Real-Time Top Up
Fast & Easy Online Transaction
BENEFITS FOR MERCHANT:
FREE! Setup & NO Monthly Fee!
FREE! Payment Engine Processor System for Your Web Business
FREE! Escrow Engine Processor System
Accept Payment from Member or NON Member IPAYMU
Accept Payment from PayPal
Fast & Easy Online Transaction
Open API - Plug and Play!
29. + Debit Transaction for Online Store Simulation
Online store (IPAYMU Merchants) could Online stores (IPAYMU Merchant) could receive
receive real-time payment directly from payment from NON-Members customers through
the Buyer (IPAYMU Member). Buyer only ONLINE STORE Bank Transfers into Store’s IPAYMU account.
need to enter their account username and Transfers can be made by using ATM Bersama
password for transaction Network, Prima, Plus, Link & Meps (137 Banks in
Indonesia).
IPAYMU
IPAYMU MEMBER
NON-MEMBER
36. +
What is an Escrow Service?
Escrow Service is a guarantee service from iPAYMU, customer can use iPAYMU as an
independent guarantor in every transaction conducted by the merchant’s online
store.
Escrow Service avoid risk of fraud or fake transaction and gives comfort and safety
for both buyer and seller.
Upon receiving merchandise, customer will then pay for the purchased item.
IPAYMU Escrow Service could be use by all IPAYMU member.
By having an IPAYMU account, you can have Escrow Service between members.
Service fee is 2% from the price of the product.
37. + Escrow Transaction Service Simulation
IPAYMU Escrow System send TV payment from “A”
after confirmation from “ABC” store.
Escrow Transaction is successful.
Buyer Member “A” placed TV payment.
Payment is suspended in IPAYMU Escrow system.
6 In this case, the 2% Escrow fee (Rp 1.000.000,- + 2%)
IPAYMU Escrow System is charged to “A”.
notifies payment
IPAYMU ESCROW
confirmation TV 3 ONLINE STORE
purchased from “A”.
“ABC”
2
Buyer Member “A”
Online Store “ABC” purchases using Escrow
sells TV at a price of service, to make sure
“ABC” 1 IPAYMU BUYER
Rp 1.000.000,- the item is received
ONLINE STORE MEMBER “A”
before paying.
Buyer Member “A” agree to
purchase TV at “ABC” Online Store.
4
“ABC” Online Store make TV delivery
purchase to “A”.
5
“A” confirmed the TV has been received from “ABC”
NOTE:
store via email that has been provided by the IPAYMU IPAYMU Escrow Service could
Escrow System. only be used between IPAYMU
members.
38. +
IPAYMU Escrow service
1. REGULAR ESCROW IPAYMU.
An integrated Escrow Service with IPAYMU member account. As a member, you will
receive Escrow Service benefits. Regular Escrow service fee is 2% from the price of
the product.
2. PREMIUM ESCROW IPAYMU
Premium Escrow Service that could be set up according to your needs. You could set up
transaction fee using different Premium packages offered. Online store owner can adjust
the Escrow Service as needed.
39. +
Premium Escrow IPAYMU
Payment Options
Monthly
OR
Yearly
For more information about Escrow Premium, please click:
https://ipaymu.com/escrow-premium/fees.php
41. +
Money Transfer
Transferring to IPAYMU account is done online and in real-time (less than 1 minute);
Faster than conventional Bank services like RTGS and Clearing.
A few seconds after fund is received in the IPAYMU account (which contains NTP and
PIN), an SMS notification will be sent out to the account holder. Funds could be
withdrawn from account holders’ bank or ATM.
Money transfer between users could be done at anytime including National Holidays.
Maximum transfer amount is Rp. 5.000.000,- per transaction.
Transactions could be done more than once, the maximum amount transferred is in
accordance to your IPAYMU account.
Funds can be liquidated in 137 Banks across Indonesia, and can also be withdrawn
through ATM or Bank (within ATM Bersama Network and Prima) AND could also be
withdrawn from 4000 Post Offices all over Indonesia.
For more information about Money Transfer, please click:
https://ipaymu.com/cara-kirim-uang/
42. +
Money Transfer
FREE! Money transfer between 4000 Post Office in Indonesia.
IPAYMU user.
137 Bank under ATM Bersama Network,
Prima in Indonesia.
44. + 3 Levels of IPAYMU Membership:
1. UNVERIFIED
FREE Membership
2. VERIFIED
Deposit / TOP UP Rp 100.000,- through Bank (Top Up could be done at ATM, Internet
Banking and Mobile Banking).
From your initial Top Up of Rp 100.000,-
Rp 50,000 will be a one-time setup fee and the remaining Rp 50,000 is immediately available for your
purchasing needs.
3. CERTIFIED
Get CERTIFY status to INCREASE your maximum daily transaction limits.
Up to Rp 10.000.000,-/day
4. PREMIUM CERTIFIED
Maximum daily transaction limits up to Rp 30.000.000,-/day, customized landing page and
also a Negotiable Transaction Fees.
46. +
What is an IPAYMU Affiliation Program?
Affiliation or Referral Program is a program that we offer to IPAYMU Merchants.
Upon becoming an IPAYMU member, merchant partners could immediately
participate in IPAYMU Affiliation/Referral Program where IPAYMU will give referral link
that could be accessed by member merchant.
IPAYMU Affiliation/Referral Program gives all member a chance to receive
commission by recommending others to register on the website as an IPAYMU user.
Merchant member will receive commission up to Rp. 25.000,- for each and every
signed up member with verified status or those who have Top Up and registered from
the Referral website.
For more information about Affiliation Program, please click:
https://ipaymu.com/afiliasi/
47. +
IPAYMU Affiliation Program
IPAYMU member will receive
confirmation from Affiliation
Program through their Referral
web link for every member
registered.
Commission fee will instantly
issued to merchant member after
new member’s Top Up deposit of
Rp. 100.000,- (Verified Status)
48. + IPAYMU Affiliation Program Simulation
IPAYMU Affiliation or Refferal program gives all IPAYMU members a chance to get
commission up to Rp. 25.000,- for every new member (those with Verified status or have
Top Up deposited Rp.100.000,-) who registered with IPAYMU through the referring website.
Affiliation Total Affiliation Affiliation Total Commission
Member Member Commission Fee Fee
1 – 10.000 10.000 Rp 10.000,- Rp 100.000.000,-
10.001 – 30.000 19.999 Rp 15.000,- Rp 299.985.000,-
30.001 > 20.000 Rp 25.000,- Rp 500.000.000,-
TOTAL MEMBER 49.999 Member
GRAND TOTAL Rp 899.985.000,-
Only with 50.000 new IPAYMU member, you will have a chance to receive Rp 900.000.000,-!
Let’s promote IPAYMU through Referral link on your website and make sure they register now!
49. +
IPAYMU Mobile Application
NOW READY! Coming Soon
