e-commerce, ontreat.com - payment gateways

Now

Columbus Time

? Challenges ahead

Real time, location aware

2004 – Facebook

1998 – Google, Paypal

1995 – Amazon

1990 – WWW birth

1984 – Mrs. Snowball

1981 – B2B by Thomson Holidays

1971 - ARPANET

Challenges ahead A traveller see bird sitting on a tree – can

he/she google “What is that bird?”

How internet help to go dating while you are in long distance relation?

While you are in USA, how can you feed your mom in Kathmandu via internet on Mother’s Day.

What else others?

ontreat.com Solution that

Can treat & feed from remote

Book a restaurant

Buy food

Festivals, occasions (birthday, anniversary), life event (graduation) … or just do it friend.

Payment in E-Commerce

SHOP

1 2

3

34

SHOP

1 2

3

34

$

$

$$

Methods

Card MasterCard, Visa

Gateways Paypal, eSewa

COD Yamato, Sagawa

Invoice Klarna

Alternative Money

Bitcoin, Virtual Currency

Online Banking NIBL

What else?

Payment Method - NepalMethod Domestic Int.

Card ✗ ✓

Gateways ✓ ✓

COD ✓ *

Invoice ? ✗

Alternative Money

? ✓

Online Banking ✓ *

Payment Flow

Merchant

Customer

Gateway

gateway’s Bank

Merchant’s Bank

Money Service/Bank

1

2

3

4

5

6

Payment Flow

Merchant

Customer

Gateway Agent

Agent’s Bank

Merchant’s Bank

Money Service/Bank

1

2

3

4

5

6

Cost - Payment Mgt. Setup $0 -

Transactional 2% -

Monthly Rental $0 -

Overhead

ontreatMethod Domestic

Card Via gateways

Gateways ✓

COD n/a

Invoice ✓

Alternative Money Some form

Online Banking Soon

Saroj & MandiraTokyo, Japan

Use Case

Use Case Ram Paudel (from UK) used ontreat.com to give

treat his webmaster in Kathmandu, as token of thank for good website

Kishor Mahato – bought dinner Dashain gift to his friend in Kathmandu and left to his village

I get dinner and treat from time to time.

Q&A