Pay&Go is the leading technology provider of innovative payment processing for cash and non-cash transactions through a complex network of payment acceptance points. The Pay&Go platform, is designed to allow the execution of cash and non-cash transactions through a network of kiosks, POS-enabled merchants and through a user-friendly customer-facing mobile application

1. DIGITAL PAYMENTS
The wave of the future

2. 2020 is going to be about the formulation
of “big bets” in the payments space

3. 12% growth
in global non – cash transactions
between 2016 - 2017
539 billion transactions
had taken place between vendors and customers through
non-cash mediums
30% YoY growth
is expected from emerging markets where already 32% of
global transactions are originated
90% of (surveyed) banks
claim participation in ecosystem-based business models is the
key to long-term success in the new payments’ market
Source: World Payment Report, 2019
The payments
industry is at a
juncture, facing
dynamic innovation
and continued
disruption of its
traditional value
chain and service
proposition

4. Introducing
Pay & Go is the leading technology provider of innovative
payment processing for cash and non-cash transactions
through a complex network of payment acceptance points.
The Pay&Go platform, by MegaPay Networks, is designed to
allow the execution of cash and non-cash transactions through
a network of kiosks, POS-enabled merchants and through a
user-friendly customer-facing mobile application.
Customers can use any of the touchpoints to carry out a
myriad of financial transactions including settlement of bills,
loan and premium repayments, mobile credit top-ups and
many more.

5. Onboarded vendors & service providers
Over 80+ vendors
Proving the
concept in Sri Lanka
We launched our first kiosk in Sri Lanka in
2012. Sri Lanka was an ideal test-ground for
our platform given the size, population
density and localized economic activity.
Population
22 million
GDP per capita
US$ 3,936.45
Land mass
65,610 km²
Successful
Traction in Sri Lanka
Number of active locations
1,100+ active sites
Total value of transactions
USD 112 million
Number of transactions
80 million
Number of unique customers
4.4 million

6. Pay&Go has expanded
its footprint across the
entire island

7. We are able to facilitate a variety of payments
Telco bill / mobile
reload top ups
Mobile wallet/
e-wallet top-ups
Insurance premium
payments
Utility bill
payments
Collection
deposits
Charitable
donations
Doctor
channeling
Movie ticket
purchases
Payment for
online transactions
Loan/lease
repayments
Account opening
and bank deposits
And many
more

8. Our Vision
To create a one-stop
payment ecosystem
where any and all
financial transactions
can be executed with
confidence, convenience
and with comparative
ease for the consumers.

9. Our Product Stack
Over the last 8 years, we have
curated a range of hardware and
software products which offer user
multiple touch-points and
mechanisms to carry out their
transactions with our partner vendors.
The marriage between hardware and
software in the Pay&Go system offers
value to every stakeholder within the
eco-system

10. Universal POS device
The Pay & Go Point of Sale (POS) device is a versatile
tool. The device hardware and software have been
designed to empower merchants in carrying out their
daily operations.
1K+ merchants added to the
POS Network

11. Pay&GO
POS Ecosystem
Any kind of payment
Offers a more convenient shopping experience by
supporting all payment methods
Bill Payments
Additional sources of income for merchants and
POS owners
Loyalty Program
Increases customer loyalty and repeat business and
offering valuable insights to merchants and POS owner
Inventory Management
Saves time by streamlining the operational activities
of the merchant
Support
Reduces POS maintenance cost while increasing
technical service efficiency

12. Hardware Features
Card Swipe
Able to process standard magnetic stripe
or micro-chip based cards
Near Field Communication (NFC)
Allows customers to pay using NFC
enabled cards or devices
QR Code Reader
Able to accept payments or identify
products by scanning a QR code
Barcode Reader with Camera
Capable of reading barcode labels using
rear-facing camera
Software Features
Handles any Kind of Payment
Process payments for transactions using
any of the supported payment methods
Credit Transfer and Top-ups
Transfer pre-paid credits to settle bills or
transfer credits to customers
Loyalty Program
A built-in loyalty program allows
merchants to SMS offers to their patrons
Inventory Management
Manages stock levels and reordering
directly from suppliers/vendors

13. Four simple steps to make
service providers payments
1 Merchant enters PIN to authenticate user
2
Select the service provider/vendor and
service for which credits are being transferred
3
Enter customer’s account number and value
being paid
4 Confirm and print receipt

14. Service providers and vendors who have partnered with Pay&Go

15. Merchant Loyalty Program
Our loyalty platform offers any merchant the opportunity to build, manage and reward
a database of loyal customers through curated promotions
Build the database
Merchants are able to add
a customer to their loyalty
database by tapping a single
button during the payment
process.
Manage the database
Using the Merchant Cabinet,
merchants can view the
details of the customers in
their database
Create a campaign
Next, they can create a
campaign targeting specific
demographics of their target
audience
Insights and analytics
Once run, the campaign
analytics will show the
conversion rate, repeat
customers and earnings
from the promotion

16. Merchant Loyalty Program
One-tap loyalty base creation
Merchants can add customer to their loyalty
database with a single tap during the checkout
process.
Carry out promotion campaign to patrons
Using the Merchant Cabinet, merchants can create
SMS campaigns to offer promotions and offers to
customers
Reports on promotion insights
Merchants can extract value business data from the
loyalty program including customer purchasing
patterns and frequencies

17. Pay&Go Inventory Management System
Our POS device comes with a in-built home-grown inventory management system
to serve the needs of the small/mid-sized retail merchant
Stock is received
from vendors to the
merchant store
Payment is processed
using POS device
(cash or card)
Inventory levels are updated
with outgoing stock figures
Stock is re-ordered when SKU
re-order level is reached
Each SKU is barcoded and
captured into the system
Items are scanned on
purchase and the
invoice is prepared

18. Pay&Go Inventory
Management System
Real-time stock management
Merchants can create the customer invoice on the POS by
scanning the product barcode. Upon payment confirmation, the
stock levels are updated automatically to ensure an accurate stock
count is maintained.
Automated stock re-ordering
Merchant suppliers can be linked to the platform which will allow
new stocks to be ordered when re-order levels are reached
directly using the POS device.
Insights and reports
Merchants can gain insights on stock movements and popular
products in order to optimize their reorders.

19. Terminal
Management
System
 Transaction and usage tracking
View real time updates on the transactions carried out
on each device and/or location
 Centralized pushing of updates
Manage updates to the POS devices from a central
location with minimal disturbance to the merchant
operations
 Troubleshoot and check status
Troubleshoot any issues with a device using the TMS to
resolve any issues with the device

20. Merchant
Cabinet
 Monitor invoicing information
POS owners can track all invoicing information from
their stores and monitor store performance and
transactions volumes
 Track earnings from service providers
Any bill payments or other VAS carried out through the
POS will earn the POS owner commission revenues
that can be monitored through this portal
 Manage inventory
Store owners can manage their inventory from the
portal including adding new product categories, items
and updating stock levels.
 Manage promotions for loyalty base
Store owners can create and run promotional
campaigns to their loyal customer base. These
campaigns can be created targeting specific audience
demographics and run to a schedule

21. MegaPay
Help Desk
 Customer complaint management
Recording of customer complaints and assigning them
to the responsible department for action
 SMS-based issue tracking
A unique SMS code generating to customer with
unique request ID – both for opening and closing of
request
 Email notifications and updates
Emails are dispatched to pre-defined service provider
email addresses for faster issue-resolution
 Service level tracking
We adhere to agree SLA timelines based on the nature
of the issues
 Audit trails and change tracking
Access to history checks and audit trails with
comments and actions taken

22. Customizable
Experience
The Pay&Go platform is built to support
any business specific customization
that maybe necessary for the bank
In-Device
App Store
The POS comes with an in-built
app store which allows merchants to
sign up and become agents for other
partners and offer additional services

23. Self Service Kiosk
A standalone kiosk terminal which can be placed in high
footfall locations such as hospitals, schools, malls, etc.
where consumers will be able to access the platform
services and carry out transactions.
800+
Kiosks rolled out across
the island

24. Hardware Features Applications Use Cases
Touch Screen Interface
A simple to use and intuitive user interface
with language localization options
Cash Receiver
Able to receive, validate and identify
notes that are inserted into the terminal
Receipt Printer
Print and issue receipts to customers to
confirm the transaction
Document Scanner
Capable of scanning documents and
processing special documents (ID cards
or Passports)
Bill Payment & Top-up Service
Offer users the ability to settle bills or top-up
mobile phones or other accounts through
direct payments at the kiosk
Self-Banking Service
Allowing users to carry out banking
related activities from account opening to
cash deposits via the kiosk terminals
Digital Services Kiosk
Enabling digital services such as ride
hailing, ticket purchases and doctor
channeling
Interactive Advertising Space
The kiosks can also be used to display
interactive adverts and onboard customers

25. Kiosk Interaction
1 Select the type of transaction
2
Select the appropriate service
provider (if available)
3
Enter applicable account
number
4
Confirm details and
insert money
5 Print receipt

26. Merchant Cabinet
Remote terminal management
Monitor and manage the kiosk hardware
and software from a central location
Transaction tracking
Track the status of all transactions carried
out on the kiosk
Help Desk
Centrally trigger any issues with service
providers through predefined workflows to
speed up issue resolution
Reports and Insights
Detailed insights and reports on kiosk
performance and earnings from the
device/location

27. Pay&Go Mobile App
The Pay&Go is a self-contained services app that offers a
multitude of convenient features that help users to shop
online and in the real-world with ease.
The app is available on:
30K+
Installs of the app on
Google Play

28. App Feature List
Manage multiple payment
options
Connect multiple payment
sources, including credit/debit
cards, eWallets or direct to
CASA accounts.
In-store payments
Use the app to pay for
purchases made at merchant
stores/outlets.
Bill & Mobile Top Ups
Pay utility or reload mobile
numbers from partnered
merchants from the app.
Expense tracking
Track expense patterns and
habits based on your purchase
history
Language localization
The app can be customized to
suit the local language of the
country
Loyalty Program
Inbuilt loyalty program with
partner merchants
In-app purchases
Make purchases within the
app from partners such as
doctor channeling or ticket
purchasing
Offers and promotions
Push promotions and offers
from partner merchants to app
users
Digital Loans
Short term digital credit
facilities allows users to shop
now and pay later

29. Platform
Operational
Framework

30. Monetization & Benefits
The ecosystem players stand to gain several benefits from partnering with the platform
Platform Owner Banks/Telcos Vendors/Service Providers Merchants
 Income from POS & Kiosk
sale or rental earnings
 Commission earned from
vendors for acting as
collection agents
 Interchange/merchant
discount income from card
transactions
 Subscription fees for
inventory system and other
services
 Income from kiosk
advertisers
 Savings in expansion costs
by opting for kiosk-operated
branches
 Savings gained from
improved collection & faster
bill settlement
 Greater switching cost from
bank or telco for customers
 Access to user shopping
data patterns for credit
scoring
 Improved collection and
reduction in defaulting rates
 Access to real-time data on
merchants’ stock levels
 Savings in optimizing
logistics and inventory
distribution
 Access to competitor sales
data by merchants
• Improved customer service
by accepting card payments
• Faster order processing time
for in-store shoppers
• Commission income from
acting as collection agents
for service providers
• Detailed reports on stock
movements, payment
reconciliation
• Automatic stock re-ordering
and inventory controls
ensure greater customer
loyalty

31. Implementation Models
The Pay&Go platform has been developed with modularity in mind, allowing the platform to be
launched in a mix that serves the purpose of the local partner.
SaaS Model
The Pay&Go platform can be deployed on
the cloud with the local partner only
responsible for on-ground hardware and
vendor onboarding
White Label
The platform can also be deployed on the
local platform owners’ servers and
networks with maintenance and support
provided by MegaPay SL

32. In order to successfully launch
this platform, the following
requirements need to be
fulfilled and will be the
responsibility of the selected
local partner
Responsibilities
of local partner
Hiring of competent staff members to handle customer
care, vendor and merchant onboarding, operations and
on-ground technical support and maintenance
Ensure all regulatory and legal clearances are secured
and any localisations that are required are clearly
communicated to the MegaPay team
Identify and enter into an agreement with a local banking
partner to provide POS and payment gateway clearance
services
Find and onboard payment aggregators or service
provider and facilitate the integration between the parties
to ensure seamless operations
Carry out on-ground marketing and awareness building
activities to support the wide-spread adoption of the
platform in collaboration with the platform developers

33. Are you ready
to change the
landscape
of payments?
info@megapaysl.com
For more information, contact