 Jika semua orang bergerak, kita harus dapat memasukannya di tempat lain. Untuk pembelajaran yang mempunyai maklumat dan maklumat, apabila kita dapat, kita akan mempunyai pembelajaran yang mempunyai maklumat. Mungkin anda boleh menghubungi pembelajaran yang mempunyai maklumat, dan produk yang diambil di sana, anda dapat mengagumkan klinik yang berklinik untuk membuat maklumat maklumat. Untuk membantu produk anda, saya akan membuat lebih banyak kemahiran. Dan anda ingin tahu lebih banyak tentang pembelajaran, jika kita membuat pembelajaran tersebut, dan membawar kita untuk membuat pembelajaran di sana. Jika anda tahu lebih banyak kemahiran, dan anda cuba mencuba, saya ingin tahu banyak yang membuat pembelajaran di sana. Pada kemestinya, So, as always time, for most of the 100 that already have commerce, I believe you already have paper giveaway right? So you just want to find out what others are available to you. But for those who haven't had any, I want to share with you basically how are you going to go about picking your own paper giveaway. I think first question you have to understand, who are you selling to? Assume your darker than marker is Malaysian, then obviously you have to pick some paper giveaway right? That is a well known vibration. I give you an example, if your darker marker today is US and you try to sell out paper giveaway directly connect to Maybank and US people don't know anything about Maybank, actually it will cause a drop in the commercial rate because people just don't trust giving out their cut in deals to a payment giveaway that not fit their pay. So your darker than marker actually matters. And then the currency your darker than marker actually use. So you want to support a currency right? That can translate that currency without any currency exchange happen one. So let's say for most of Malaysian payment giveaway right? By default, it's ringgit regionally. Okay, you talk about how they will pay you as well. Those are more commonly known one. Okay, and if you want something more, a number of them they do support multi currency. Okay, but you actually need to actually pay a lot more and probably do a different API integration right? Just to be able to do that. But multi currency giveaway will make sense for you if you want to actually sell to Malaysia and probably sell to OECF from a single side. And I think the easiest way when you go for it is once you pick a version giveaway you go for multi currency you only support USD. Okay, then you actually make the management much easier unless you have a risk per seik takde in mind that sell to Malaysia, sell to Australia only. Then probably MYR will be more to the next hand. And as I mentioned, I don't know why they don't move it around. I think like that. It should be okay. So it's the payment giveaway as I said, well known critical. If today you are selling overseas I think the easiest option for you is definitely pay back. You don't need any fee, any payment process to sign up in the sharing. And you can straight away support multi currency. And how soon can you get the money into your bank account? So this actually matters more and more. Why? Because as a merchant, if you own a book on earth, I believe you have a chance to sell something. Cash flow is important. You need the money coming fast to buy more goods. And you know, the more skills you do, the more critical the cash flow is for you. You want the money come back to buy stock to pay off the staff's area etc. And the limitation to come. You have to take note of this also when you are buying for payment giveaway because a lot of payment giveaway at the start they actually set a default payment one. Some are 12,000, some are 50,000, some are 20k. So see if you sell computers. So one computer normally cost a much nowadays. Maybe 1k for 1k, 2k for low end. If you have a higher end one, maybe grow 5k, 6k for inverse. So you sell 3-4 unit, then you can't transact already. So that's a limitation for those who have not applied for your account yet. Payment will actually set a capital limit for one for you. And then the settlement currency. So settlement currency will be critical. But for most of you if you're selling locally, you take break-in ratio. And most of the local payment giveaway provider they will actually settle for you. So there's no currency loss effect. But if you utilize a multi-currency giveaway they are using, most of the time, they will store it in USD and they will settle to you in break-in and you suffer a conversation loss. So most of you if you're selling high-end margin product, you probably can't ignore it. But if you're selling low-end margin product, this will eat into your profitability. So take note of that as well. And then normally for payment giveaway fees, these are the basic fee structures of you can see whether they have been charged at what time fee, do they have a recurring money fee or yearly fee, and probably the transaction fee or what you call MDR. Okay, merchant is now ready. And the other fee is a chargeback fee. Anyone can understand what is a chargeback fee? Chargeback fee? Yes, this fee. Okay, for example, you sell something, then the customer concrete, you know, I buy actually a black colour underwear, you send me a red one. And then they actually found this fee with a bag, say, you know, good, not as a chargeback. And then bag will flow a chargeback. And this chargeback fee, right, can be very costly one. So to avoid this, basically just make sure that's monies to the client. Okay, and basically if the fraud rate also cost you chargeback as well. So the people give you charge as high as 80 to 90 per chargeback. So this is something no joke, but it might happen to you, you have got to treat it as a cost of doing business. That's how actually you should get it. Remittance fee is sometimes they wire the money to account, they will charge an extra fee as well. Some from as low as during it, some to 10, 20. You've got to take note of all the fees so that you can really calculate what you're getting out of it. And talk about the basic feature that you can look at it as well. Currency tax, as I mentioned, if you are Malaysian, you apply for Malaysian gateway, the default is always Malaysian main game domain. Okay, and take note, take note, if any of you currently are not a registered company yet, meaning you haven't registered in ROC. Heaven. And then, do they allow you to apply for paper gaming? Apart from paper? So take note, today if you want to do business, a lot of time we start with a personal, right? On sale. And when you want to build online store with WooCommerce, and you want to apply for paper gaming, they don't accept individual registration. So the minimum thing you should have is a company registered with ROC. So ROC, we will talk about SOPROP, partnership, and now ROC. So you should have at least an ROC registered entity. I encourage all of you to have this one. So when you want to apply for paper gaming, you can submit a confirmation as required. As well as when you go to marketplace and start opening up account as well, even though most of them they accept individual sale now, it will ease the process of the ROC part. Okay? Malaysia, by default, we support VISA and Mastercard. Okay? We don't support JVC, which is an auditory card in the US one. And by default, they don't accept MX as well. Only these two card. Okay? So take note, other card, you can't really process or even other charge card. And online transfer, this is a critical component, right, for most of the Malaysia community. Okay? We only need to support this card type and online banking. Most of the users, right, will not have a problem of making payment to you. So, this thing is quite well-established. And of course, then comes the reporting card. So, you've got to see whether, right, the payment can be back in the face, right? For what kind of reporting, the sales volume, month-to-month comparison, year-to-year comparison, that you require, or then even customise reporting for you or not. Some of them will do that. Okay? And all of them, that entry support will convert, obviously, they have to have this API. So, without API, they are not available for payment quite anyway. So, they are extra thing, recently, one of my client, actually check with us, they want to do like a subscription. So obviously, you need a recurring payment more. So, establish one, they all have this. And email payment, basically, if you have customers, they ask for some product, then they say, you know, I don't want to check out, I don't know how to check out from the store. And you just email me, actually, I feel my God, email, charge and transact for you. So, email payment, right? No payment. And there are some, one duration payment actually has something called product page. Means, when you sign up the store, you can actually upload the product to the end, of the payment given and being control panel itself. It's a one page product, you have description. Everything is in one page. You can promote in your social media, Instagram, whatever, the link. People clear with it, it's just payment product. So, it's very, very simple. And this is, this innovative features actually is my one of our local payment. And I personally, okay? So first, I think, most of you, okay? So, how is it? The survey? It's my every check-up. So, every check-up means allowance, okay? Old school. Old school, but it works. It can still gelat. Okay. Yes, this is what's the feedback of the user and this is what we are getting for most of the opportunity. But don't forget, iB today is a brand name. They are old school, but people look at it, people trust it. And if you look at it, they power most of the e-wallet back-end top-up nowadays as well. Okay? And they are the largest third-party payment processors, currently in operation. They are the most aggressive in terms of, if you use e-wallet, they don't talk about e-wallet. Most of the back-end top-up are powered by them as well. And also, they start supporting e-wallet as a payment option. It means if you look at, I think there's no line to be cash. Most, there's no line to be cash and go. And they're going to go live, I think we'll chat pay coming next week. So, they have a brand that have basically, if you utilize them, as old school as they are, people will just pay via, I mean, the trust. Okay? Even when a lot of people call in, most like, they don't know what's that, they just automatically ask for it. Okay? So, I pay. And lately, the double-edit level, any of you you know, shop online, most of you. So, do you face payment problem? Yes. Huh? So, a lot of people problem, because I pay is down. FPS is down. Another thing I want to highlight is, because the volume that they are processing, and eventually, after this disaster, they're going to make it up. So, they don't even provide that big one I actually have one at one thing. Means, as small volume that process, they have to big up and when you have volume that time, hopefully, in the next round, you'll be able to handle it better. Okay? So, that's what I pay. Well, and I pay, every paper I talk about here, you gotta assume, they already have commerce extension, and most of them they have official one. You just need to request for them, even though they don't publish it online. So, for Mopay, anyone using Mopay? You using Mopay as well? Smart. People try it. People try it. People try it. How do you try it? The interface, right? Okay. Apart from the interface better, what else? Intervention. Intervention? Yes. Simplest, smoother as well. So, Mopay is the second-largest player's innovation. I pay and Mopay combine, right? I believe they command a market share about 17-20 percent. Okay? So, these are the two established players. So, apart from, what you mentioned, the UI is better. The reporting is a lot of customer feedback. We have additional features that you cannot ignore. One of them is called MOL Cash. Have any of you pick MOL using MOL Cash Record? Buy online, you know, I don't have credit card, I don't have debit card, I don't trust it, and I go to 7-11 or 99 Street Market, I pay cash. Any of you try using our payment method before? No. So, according to the statistic, MOL Cash is the third-largest non-card payment option after Maybank, to U, and after CIP, and transfer. Okay? And I believe this statistic is published and shared out by MOL Pay from their own transaction alone. So, this is interesting. If you do something, if you sell to a market, that is non-card user, okay, or they don't trust one, you supporting this payment, right, will actually help you increase your sale. Okay? A good example, they found out a very interesting scenario using MOL Pay. There are some large travel sites when they start supporting MOL Cash. What actually happened is, right, those people, they use the app, they go to 7-11 there, they start placing order for the travelling package. Okay? And then, in front of the counter there, after that, we generate this code, right, then they let the counter scan and they pay cash for the counter. And once you pay cash for the counter, the update, right, is almost in real-time. So, the table option get, you know, the status of the order get updated. And in front of that, they also work with VCAP, you know this, be infinite. Okay? You can actually, right, go up to enable people who actually come to your site. You can tell them we are using MOL Pay, and when you check out, right, you will get extra points, loyalty points, right, added to your infinite card as well. So, it's something you can tap on. Okay? Or MOL Pay. Then EJHL, anyone using EJHL here? No. You know EJHL? So, EJHL basically by EJHL behind. Well, they are one of the listed companies here, and I believe, right, they are the third-largest players, right, after I pay MOL Pay. Okay? So, what I can say is, they have one interesting plan. Okay? They divided their plan, right? They let you, okay, what if you have a lot of transaction volume? You already know. So what they can do is, right, they allow you to pay upfront a fee, then enjoy a very-very low rate. For example, if you know that your transaction volume is more than 100,000 a month already, they pay that 10,000 to set up first to enjoy a rate as low as 1.8%. So it's below 2%. And normally, they offer this kind of rate on, you know, marketplace players or people that process a lot of volume. So, you're going to do some cooperation. And I share with you this week, right, so that once you know you have the volume, the whole point is, right, you can actually let go and talk to most of the payment delivery provider that, hey, at this volume, I want lower rate and I'm willing to pay upfront first, and then you complete the savings, you are going to save over time. Okay? And most of them, they have such a brand payment for you. Okay? Or whether you have to know that, you got such volume. Okay? And of course, EJHL, they also have a similar payment option like M1 Cash. They let customers, right? You know, if you go to a lot of petrol stations or what, they have this E-pay terminal, it allows payment to be made via E-pay terminal extra. Then they just base order online, go to the counter, make it an E-pay, terminal payment, get updated back to your old commerce store. Okay? And then, bill, please. Anyone use it? That number. What are they known for, bill, please? What are they known for? What are they known for? Why do you use them? They easy to get started. As easy as they can. Right? You just need an email account. So easy, very neat, very clear in the face. And most of the time, right, if you want to use bill, please, their strength really lies in online bank transfer. Okay? And they are unique in a way that they are probably the only one that do top up. Okay? Then like, easy bustle, you have to put money into the account first. And every transaction, bill, dita, the cheapest bill is 1 ringgit at 50 cents. Okay? And the other thing about bill, please is, bill, please, it depends on getting the money back. But so how fast bill, please? Bill, please, isn't it? How fast? I'm stuck with my account department. You don't know? This guy don't care about cash flow. He's rich. So it's normal they don't give it. Most of the time, the transaction time is like this. Monday to Sunday. Okay? So they will remit the paper to you on Thursday or Friday. Next week. Okay? This one, P plus 1. P plus 1 means what? Transactions happen today. Tomorrow the money will be come. Eat in your pack. Automatically. Okay? So that's the midday. And if you sell high value item. Okay? You come on a last day, right? If the table give-in charge is 2%. If you sell 1000 ringgit, 1 item, how much it cost you? 20. Right? This one, 1 ringgit at 50 cents. Yes. So, 18 ringgit 50 cents. It's up to you. Okay? So, you really need to know the mechanism and actually how to cap it to it. It's critical. And there are people, a guy called Hasru, run the two cafe one. He actually develop simple plug-in that let you switch between like this for old commerce store. If you exit a certain amount, they switch to built-in. Automatically as a table option. To save the cost of transaction. Like, this is something you can do. Okay? And like the gentleman here also, I think most of you if you actually sell online, you should have at least 2 account rating. Okay? The reason is in one bank, once you got problem, you can switch on another one without impacting your bank. Okay? Always have more than one paper give-in. Now, maybe do you pay? Anyone using it? None. And what is nobody using it? Do you even know that this product exist? Okay. Maybe do you pay actually, right, a wrong speech years back, previous back. Initial target is of blockers. You know, when block was very popular that time, there was this thing called block shop, you remember. Okay? And the problem with blockers is, right, a lot of people make online bank transfer and you look at all the transaction, right, you do who make which payment because all the amount the same one. Okay? So they start developing this product. They allow additional fields to be captured, name, you know, order ID, right? So that from there you can actually match back which customer actually make the payment. Okay? Then later on, last year, hello, hello, last year, they actually we developed, you know, this way back to you, right, into a full fresh API capability. The good news for you, they do support Google Commons, it's not published, you have a request for that, the zero application fee and guess how much for transaction. Not going to be free, right? Initially it's free. Initially, yes, 50 cents. 50 cents. So, the only downside for this is let me share with you, application process might be a relatively big cumbersome. Okay? Secondly, they only accept payback to your user. Okay? So it's not payback to your user. But remember, 50 cents only, at least the lowest cost in the market. And grant them. And they already support Google Commons. You can check out their website directly. Okay? Then we have this, Sonang Pay. Anyone using? So you like, what do you like about Sonang Pay? I don't like it because not so Sonang as you know what. Sometimes the name doesn't. Okay. I think, okay, I currently, I don't have experience during Sonang Pay yet. But I know Sonang Pay both. Okay? And basically, a few things about Sonang Pay. And I have friends that actually utilising Sonang Pay for their own stock. It's very low cost to startup. Their setup fee is I think as low as $200, okay? So it's cheap. And I think by default, their transaction rate is 2.5% for credit card, 1.5% for FBX. Which is also very competitive compared to others. But I think the cool thing about Sonang Pay is that the remittance even for credit card is very fast. So, on one of my friend that actually utilising for his Google Commons stock, the payment, they pay you back twice a week. Okay? They process for you. Two kinds. Remittance a week. Of course, most of them they have a minimum amount of $100. You have to have in the bank. And secondly, Sonang Pay, if you are selling on social only today, remember just now I talked to you about the product, page feature? They are the only one that has it. Okay? So you can upload an individual product. You know? So the way you put a link, then you use a big lead, track how many people click on it. People go to the site, people make payment and set boom-tang. But of course, it's not a full-fledged shopping cart function. But it's a single model page. It's good enough for you to sell an individual item for a lot of time. Take order. It was very, very simple. Check out Sonang Pay. Pay this. I... Who put a pay this here? Yeah. None of you is good. They just won an award of me. So, basically for Pay this, they are very newcomer to the market. You can check out their website. They already had live boom commerce for running on Pay this. I talk about Malaysia one. So they are newcomer. A few things, they try to compete on support. They claim their support is from 10 a.m. to 10 p.m. every day. Okay? That's the first thing they do. Secondly, they currently offer a plan that offers zero transaction fee. You don't pay for ordering it. You use them. The transaction fee is zero. Of course, they are D&C inside. So, do check with them. Buy or more. And they say they are very, very flexible. They will be able to properly customise response and even do some customisation for your unique need. Go small one. Normally, they are hungry. Oh, 5 more minutes. Okay, let me jump. Pay pay off? Shall I skip this? I don't want your order. So, okay, don't pay pay off, what they all share. Pay pay off is the easiest for you to sign up to take my international payment. And also, the myth is right, if a user without pay pay account, they can't pay. Actually, they can. But pay pay off never tell you how much they actually can. My experience is right, if a user trying to buy something from you is more than USD 100, pay pay off will prompt them to register for an account. Okay? That's from my experience. But the real criteria, I think they collect in order to trigger this force you to actually using the register payment account, we never know. Okay? Because they are handled by different pay. Okay? So, quick things. Alright? International, remember, we know people giving in that particular country of stuff in pay pay off for all of you. For Malaysia, okay, most of you just now say one, okay, with process creation and make your account apply for two payment payment account or multi currency, right? All the same. So, okay, I don't have much time left. E-wallet, how many of you are using it? Don't be shy. This group should be more tax savvy, right? So, how's your e-wallet experience so far? Good? Bad? Useful? useless? So, I just want to share with you, currently, right, these are all the e-wallet player in the market. Oh, be the exception of this one, the Kedap here, okay, they have not published their apps online. This is the thing I have come out with. All this has gone online and they are the only licensed e-money players, right? Currently, they have published their apps in the market. Okay, and I want to share with you a lot, you probably don't know this. A lot of people confused, right, what's an e-wallet and what's considered an e-money? So, let's take a look at Starbucks app. Okay? So, is it e-wallet? Yes. Just like our wallet and store things. Is it e-money? Yes. Why? Because it's a lot top up. Okay? You pay them cash, they store a digit in your account, which can be used to trade with them. Okay? Is it open loop? Open loop means apart from Starbucks, that you use the money inside, right, to pay Tesco, to pay AOM, or even to buy from you if you're using payment to support e-wallet. The answer is no. Okay? So, they don't require a license, e-money license for an agarangation. Okay? You have to fulfill all these criteria. Oh, this is something a lot of people probably don't know. And is it linked to a card scheme? Meaning, right, this e-wallet takes its time to visa master Yes? Faith. A lot of people think it's actually e-money provided. Actually, they are not. Why? E-wallet, yes. You know, because you can tie your credit card to it or debit card to it. Is it e-money? No. You can't talk up. Okay? You can't talk up. They only tie to your card. Every time you're using a fake pay, you are actually triggering the credit card put in for authentication in real time. They don't actually store on e-money. Is it open loop? Obviously, it is. Because, right, tie to a card while you actually accept payment. They pay QR code, right? You can just use a bank to scan it and trigger the pull from the card or the authentication or the credit info. Is it linked to a card scheme? No. Okay? And then you take a look at BMM QR pay. Any active BMM QR pay user here? No. Eh? QR pay. You like it more than the difficult e-wallet Why? Okay. That's the thing also. It's also very convenient. Don't you think so? Why is it being hacked? And it's not saved by BMM. There are security extra that I've mentioned before. Payment, right? That tie directly to your card slot account. Colour account and saving account. What is being hacked? Okay? So, the risk, right? Is that? Okay? Then you have both obviously wallet, yes? Open loop, yes? Is it linked to any card scheme yet? No. But most, they are going to support China Unipay. They have announced that. So, imagine if they link up with China Unipay whoever try and make payment on every terminal that already support COP. Stand for China Unipay. So, most are adopting a different strategy. And then, big pay and pay wallet and also merchant trade money. So, these are what we call card-based e-wallet. They are licensed e-money pay as well. And what makes them different is, right, whatever they are doing, they are currently linked to a Visa Pay-Pay card or Master Pay-Pay card. Any big pay user here? I will, right? So currently, you get the contactless card. So, when they are writing on the Mastercard Network, the good thing about card-based e-wallet is they don't have to acquire new merchant. Any merchant that already accept credit card, debit card, you can utilize your e-money pay card to pay for it. Okay? But of course, I think the downside is, right, you still need a card. If not, they don't acquire merchant. They don't have QR code, right, for the merchant for you to make payment. Then, you can't just carry a phone around without your card. You still need card to actually make payment to them. So far, any question? I think it's almost time out already. Okay, let me wrap up the last slide for you. I think it's something important for all of us to know. The ICPF, right, basically is interoperatively credit transfer framework by Megadar. Okay? And what you actually intend to do is actually, right, make sure in the future bank and non-bank have shared network platform everyone can access to it, right? Then without prejudice, you know? So that non-bank and non-bank we can transfer money to each others, right? Easily. Okay? That's the whole idea. And to actually enable this, they need a system. They call it RPP. Real-time payment platform. And this RPP, right, is being developed by payback. So payback is the shared platform discrete operator. Then the first thing they already done is this one. Have you recently heard of doing now? So doing now, right, is the first implementation of the National Addressing Database. Okay? What you can do now, doing now, now if I want to transfer money to you, I need a background video. Right? But for doing now, the idea is I only need to remember your mobile or your IC or your complete registration number. Then these features will be developed when we log in to our internet banking. We're using doing now. We just key in your mobile number. And if your mobile number already tied to a certain kasa, now my money transfer is done. Okay? So doing now is going to be launched by Apple. I think this Apple, this year. Okay? You'll see more of it. All this is the first implementation of the MAD. Secondly, is an interoperable QR code. You see what the issue now is, right? Every so many world players, everyone have their own QR code. Right? Then, without the QR code, I mean, if you need to launch a different app, just scan the QR code just to make payment to them. So this interoperable, plan to solve one thing. In the future, if you use boost, you can scan maybe QR pay code and the money can be transferred to them. Okay? And of course, this will be applied to larger players. Means they are looking at, if you have more than 5% market share, or you have more than 500,000 e-wallet user, you have to apply this. Okay? By this, I end this here. Thank you. Thank you.