ZAPURSE

money on wings
ZAPURSE
Zapurse, the digital arm of Atishay Limited,
powered by Atishay Online, is a service
aggregator and Payments Solution provider.
Atishay’s presence covers rural areas with more
than 6,000 retail touch points which connects
thousands of customers with services like Money
Transfer, Indo-Nepal Money, Aadhaar Payments,
Prepaid Mobile & DTH Recharge , Bill Payments
etc. The technology used to distribute these
services to retail is unmatched. We make our
services available through our channel partners,
using a variety of dispensation modes, to suit the
budget of every Retailer.

More than 80% of the new mobile customers going the pre-paid way, Prepaid Mobile Recharge dispensing business is
surely becoming one of the most preferable retail business today. Not only recharge service, we have also introduced the
Money Transfer services like Domestic Money Transfer, Indo-Nepal Money transfer as well, which is the most sought after
service today.
Current Service Offerings

Money AePS Bill

TOP UP Indo -Nepal
Transfer & Payments
Recharge
MATM

Domestic Money Mobile & DTH Indo-Nepal

Transfer Recharge Money Transfer
Aadhaar Based Online Bill Payments
Send Money to Any Recharge all Prepaid Payments. Send Money to Nepal
Bank Account in India Mobile & DTH
via IMPS/NEFT connections Micro-ATM Cash to Cash or Cash
to Bank Account

❑ Upcoming Products –
❑ Insurance – Health & Motor
❑ Hotel Booking
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Current Service Offerings
1. Domestic Money Transfer – The increased migration of people to urban areas in search of livelihood creates the
need for easy access to banking services, especially money transfer. Zapurse in conjunction with Ratnakar Bank have
launched a money transfer service. This would enable customers to be able to transfer up to Rs 25,000 without KYC
and soon we will be launching full KYC Money transfer service and sending limit can enhance to Rs. 2,00,000 per
month with KYC. Zapurse is working with Ratnakar Bank to enhance its base of Money Transfer Agents. The retailers
who sign up for this service become Ratnakar Bank Business Correspondent Agents after RBL's approval. These
retailers would be permitted to make Electronic Fund Transfer/Money Transfers on behalf of customers enabling
them to do remittance to any bank using IFS code and Bank account number.

Benefits for Retailers –

✓ Instant Money Transfer to more than 90+ IMPS enabled Banks

✓ NEFT to more that 180+ Banks
✓ IMPS works 24X7
✓ Transfer upto 25000 with limited KYC and upto Rs 2lakhs with full KYC
✓ Earning Potential on every transactions

Retailer Earnings – Retailer will charge upto 1.5% of transaction value to customer on the Transfer amount. Similarly,
Zapurse will charge 0.3% to 0.5% on Transfer amount to its Retailers
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Current Service Offerings..

2. Prepaid Recharge – Mobile & DTH– Zapurse provide one stop solution to its Retailers to serve customers
with Prepaid Mobile Recharge and DTH recharges. Zapurse has all the prepaid recharge available like Airtel, Vodafone Idea
Ltd, Jio, BSNL and DTH recharges like Airtel, Videocon, Tata Sky, Dish TV etc.

3. Aadhaar Enabled Payment System (Aadhaar Banking) - Deposit and withdraw cash easily at the
Nearby Retail Store with just the fingerprint and Aadhaar number. Deposit under Aadhaar Payment system is
currently suspended by the UIDAI.

Features & Benefits

For Customers
✓ Withdraw cash from your Nearby Retail Store (Aadhaar ATM)
✓ Deposit cash into your bank account at your Nearby Retail Store (Aadhaar Deposit)
✓ No need to carry cards or remember the PIN

For Retailers
✓ Earn double commission by offering deposit & withdrawal service
✓ Offer complete banking experience to your customers
✓ Attract more customers
✓ Efficient use of cash-in-drawer 5
Current Service Offerings…

4. Indo-Nepal Money Transfer – Zapurse is proud to present the new Indo-Nepal Remittance service, with our
partners Prabhu Money Transfer P Limited and Ratnakar Bank Limited (RBL). Sending money to family and friends in Nepal
has never been this easy!

Benefits for Retailers –

o No additional infrastructure is required
o No registration fees charged
o Increase in customer footfall
o Commission on each transaction

A Retailer earn commission on every transaction.

Benefits to Customers –

✓ No need for a bank account: The sender can send cash directly from the nearest Oxigen BC Agent after verification of
documents.
✓ Fast transaction: The money is transferred electronically. Most transactions are completed within 48 working hours.
✓ High transaction limit: A sender can send up to 50000/- INR in one go, and can avail the service twelve times in a year.
✓ Approved by Govt: This is an authorized channel for transfer of money from India to Nepal. The process is transparent,
with no hidden costs.
✓ Minimal service charge: A service charge of only Rs. 150/- or Rs. 200/- is levied on transaction upto Rs. 30000 or more
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✓ than 30000 respectively.
Current Service Offerings….

5. Bill Payment – Zapurse has collaborated with Bharat Bill Payments System via Banking Partner and provides
payment of utility bills for over 100 billers in India at the Nearby Zapurse Retail Store
Features & Benefits-
For Customers
✓ One-stop solution for paying utility bills
✓ Pay Electricity bill, Gas bill & more
✓ Convenient & secure mode of paying bills
✓ Multiple payment options to pay bills
For Retailers
✓ Earn on every transaction
✓ Major Utility Providers. Additional Commission. All in One App.
✓ Increase in shop’s footfall & grow core business
✓ Carry out bill payment services for all the major utility providers

Upcoming Services in NextUpgrade-

Insurance
HotelBooking

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 Zapurse Distribution Model

Zapurse

Franchisee Distributor/Super
Direct Retailers
Outlet Distributor

❑ Direct Retailers – Direct Retailers are those which are directly

connected with the Company without any middle man.
❑ Distributors – Distributors are those which are directly
connected with company and they create Retailers under its
Retailers
chain.
❑ Franchisee Outlet- These are the outlets which are company 8
owned and company operated.
 Distribution Models

1. Distributor/Super Distributor – A Distributor is one who not only can do transaction at its own but also make Retailers as its
Retailer chain. Distributor will take Trading balance directly from Zapurse and distribute to its Retailers, so that they can do
the business. Distributor share its revenue with its Retailers. Distributor can create its retail chain and itself responsible for
their trading balance distribution, servicing , surcharge setting, etc.

2. Direct Retailers – Retail Outlets are directly connected with company and deal directly with the company for Trading balance,
or any other services. Retailers are not allowed to create another retailers under its code. These are small retailers having
small financial kitties.

3. FRANCHISEE OUTLET- Franchisee model is a exclusive arrangement of Zapurse , where Franchisee will run a direct
franchisee of Zapurse with all the branding of the company. This will be a special arrangement where a non-refundable one-
time sign up amount of Rs. 10000* will be charged to the Franchisee. The Franchisee will be provided by the multi-utility
service platform of Zapurse to provide the services to the end customer.
This will be a Pre-paid model. Franchisee will be entitled to use all the services by using his trading balance. Franchisee will
remit money to Zapurse as and when require and Zapurse will provide the trading balance in his Zapurse’s portal after the
successful realisation of funds in company’s account. Franchisee can use the trading balance only for those services which are
available in Zapurse portal or platform.

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Distribution Model

FRANCHISEE OUTLET-

There will be a contract between Zapurse and the Franchisee.

✓ One time Sign Up fee – Rs 10000*

✓ This will be an exclusive contract between Franchisee and Zapurse.
✓ Franchisee can create his own sub retail chain which will be attached to his distribution tree if wants to do so.
✓ Store branding(in store and Flex Board on Shop) will be done by Zapurse

✓ Franchisee is responsible for amenities like power, water, hardware, connectivity, etc.
✓ Platform will be provided by Zapurse to Franchisee to provide banking and other services to Customers.
✓ There will be a revenue sharing model for Franchisee. This will be as per agreement between Zapurse and the franchise
partner.
✓ Services that will be provided – Domestic Money Transfer, Recharge , Bill Payments, Motor Insurance, AEPS – Aadhaar
Enabled Payment System , Indo- Nepal Money transfer.
✓ All new services added in future shall be provided subject to prevailing prices and terms and conditions.
 Earning Opportunities for Distribution

Services Domestic Money Transfer Recharge Bill Payments Indo-Nepal AePS MATM
Customer Charge (CC) – 1% of Tranx
Value 80% of Revenue As per As per Tranx
Distributor 80% of CCC
Sharing Tranx Slab Slab
Commission - 70% of CC

70% of Revenue As per As per Tranx

Direct Retail 0.4 % - 0.5 % of Transaction Value 70% of CCC
Sharing Tranx Slab Slab

Customer Charge (CC) – 1% of Tranx

Value 80% of Revenue As per As per Tranx
Franchisee 80% of CCC
Sharing Tranx Slab Slab
Commission - 70% of CC

Upcoming Products –
Insurance – Motor , Life & Health & Hotel Booking
Enrolment Procedural & OperationalGuidelines
Zapurse has a paper free and hassle free enrollment process. No special expertise required to become a part business
partner of Zapurse. All you need to have a Internet and a Mobile phone or Computer, and you can become a business
partner. Sign up Amount
✓ Login to https://.zapurse.com
✓ Go to Join Us
✓ Fill a very simple and small application form
✓ Upload PAN card, GSTIN (if applicable), Address Proof of the individual / Prop./ Partnership or a Company ( documents are as per entity
type selection ).
✓ PAN card is mandatory
✓ Ensure to upload self-attested documents
✓ Submit the Application form
✓ Post Submission, Zapurse support team will take 48 working hours to do the quality checking of your uploaded details.
✓ User ID and password will be provided to all QC passed cases.
✓ In case of any rejection found in application form, retailer will get SMS and e-mail from Zapurse, where retailer can resubmit the
application after doing the corrections.
✓ All QC passed Retailers can start the business immediately by getting the trading balance from Zapurse

✓ Retailers/Distributor will be provided by company Bank account no. under which they can send money either Cash or Online transfer to
get Trading balance for their portal.
✓ After depositing money to Company’s account no., Retailers/Distributor need to send advise from its portal. Zapurse Support team will
check the advise and amount in company’s account, and then approve the advise request. After advise approval, Retailer gets the
balance in its software and can start the business immediately.

* Cash deposit charges are applicable on all cash deposits to company’s account
All Services under One Platform -ZAPURSE

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 ▪ USEFUL ZAPURSE YOUTUBE LINKS

▪ ZAPURSE MONEY TRANSFER EMITRA- https://www.youtube.com/watch?v=YYoaTajATAY

▪ Zapurse AePS & MATM - https://www.youtube.com/watch?v=f5a8zmBkFoY
▪ AePS tutorial - https://www.youtube.com/watch?v=68lgQpotAHM
▪ MATM Tutorial - https://www.youtube.com/watch?v=kFEeSsH2ubw
▪ Cash Out Settlement - https://www.youtube.com/watch?v=ehyZtjH7kok

Other related links -

For joining Zapurse -

https://zapurse.com/Home/VerifyMobileNo
www.Zapurse.com
www.atishay.com
https://www.linkedin.com/company/atishay-infotech-limited/

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 THANK YOU
Please write to us – [email protected] www. atishay.com

Or Call – 6262629831-32-33-34

Visit Us @
www. atishay.com
www.zapurse.com

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