Payment Services Businesses for Sale and Investment

What we are: A multi-national currency cross-border payment system and neo-bank with no physical branches, offering real-time global settlement in multiple currencies. It serves as a UPI aggregator and collaborates with major banks, payment partners, and card brands. They use a secured token offering and provide multiple banking apps for seamless payments. A multi-national currency cross-border payment system enables real-time currency exchange and settlement for individuals and businesses across different countries. It offers instant currency conversion, and compliance with international regulations, and empowers users in global finance and trade. Business is yet to kick-start operations. Not required to be registered under SEBI. Revenue model for our multi-national currency cross-border payments system: 1. Transaction fees: Charge a small percentage or a flat fee on each transaction conducted through the platform. 2. Merchant services: Earn fees from businesses for payment processing, POS systems, and e-commerce integrations. 3. Subscription plans: Offer premium or subscription-based plans for individual users and businesses, providing added features for a fee. 4. Interchange fees: Earn a portion of the interchange fees paid by merchants' banks for processing card transactions. 5. Currency conversion fees: Charge fees or markups on foreign exchange rates for international transactions and currency conversion. 6. Lending and credit services: Offer lending and credit products, earning interest and fees. 7. Investment and wealth management: Provide investment and wealth management services, earning fees based on assets under management and transaction fees. 8. Data monetization: Analyze transaction data and user behaviour, monetizing data by selling aggregated and anonymized information to third parties. 9. Partnerships and affiliates: Earn referral fees or commissions through partnerships with other businesses. 10. API access fees: Offer APIs for integration and charge usage-based fees or licensing fees. 11. Cross-selling financial products: Cross-sell other financial products like insurance or prepaid cards, earning commissions or fees. 12. Ad revenue: Display advertisements within the platform and earn revenue from advertisers. Neo-bank. A neobank, or digital bank, is a fintech company that operates solely online or through mobile apps, lacking physical branches. Neobanks focus on enhancing customer experiences by leveraging technology to streamline operations, lower costs, and offer a wide range of financial services. They often target specific niches or customer segments and can collaborate with traditional financial institutions. Key characteristics include: - Online-only operation. - Technological emphasis on convenience and efficiency. - Services like savings accounts, payment processing, lending, and budgeting tools. - Accessibility, user-friendly interfaces. Revenue model for our neo-bank: 1. Net interest margin (NIM): Generate revenue by lending deposits held in customer accounts, earning interest on loans. 2. Lending services: Offer personal loans, consumer credit, or small business loans and earn revenue from interest rates and associated fees. 3. Deposit fees: Charge fees for specific services like overdraft protection, wire transfers, or expedited card replacement. 4. Subscription plans: Provide premium or subscription-based plans with added features for a fee. 5. Card issuance and usage fees: Earn fees from card issuance, usage fees, and foreign exchange fees. 6. Merchant services: Offer payment processing and POS solutions to businesses and charge fees. 7. Investment services: Offer investment products and earn revenue through trading commissions and asset management fees. 8. Currency conversion fees: Charge fees or apply a markup on foreign exchange rates. 9. Partner commissions: Earn commissions for facilitating partnerships with fintech companies. 10. Cross-selling financial products: Promote and sell other financial products and earn commissions or referral fees. 11. Data monetization: Analyze customer transaction data and provide insights to businesses, generating revenue. 12. Affiliate marketing: Participate in affiliate marketing programs and earn commissions for referrals. 13. Interchange fees: Earn a portion of the interchange fees paid by merchants for processing card transactions. 14. ATM access fees: Charge fees for ATM cash withdrawals at out-of-network ATMs.

ITIO Innoved offers state of the art for payment gateway business. We have the software ready to help sales partner launch their own payment gateway business using our technology at the backend. The sales partner will refrain from investing in creating the technology from scratch and hiring top talent at annoying pay demand. Sales partner can start their own payment gateway business with white-label software. Please note: A. We are a software company offering white-label software, which does not include the acquiring facility which allows the sales partner to accept the payment methods. The sales partner needs to check with the bank/acquirer for the same. B. We do not offer permission from the related regulatory body. Consult with a lawyer for the exact regulatory requirements of this business in the country. You may require legal obligations before launching the payment gateway business. C. ITIO Innovex does not control the fund flow between you and your bank/acquirer. We only act as a software vendor. D. To use this software, You must have experience in the merchant service/payment gateway business. E. ITIO Innovex reserves the right to accept or reject the offer anytime before signing MOU.

ITIO Innoved offers state of the art for payment gateway business. We have the software ready to help sales partner launch their own payment gateway business using our technology at the backend. The sales partner will refrain from investing in creating the technology from scratch and hiring top talent at annoying pay demand. Sales partner can start their own payment gateway business with white-label software. Please note: A. We are a software company offering white-label software, which does not include the acquiring facility which allows the sales partner to accept the payment methods. The sales partner needs to check with the bank/acquirer for the same. B. We do not offer permission from the related regulatory body. Consult with a lawyer for the exact regulatory requirements of this business in the country. You may require legal obligations before launching the payment gateway business. C. ITIO Innovex does not control the fund flow between you and your bank/acquirer. We only act as a software vendor. D. To use this software, You must have experience in the merchant service/payment gateway business. E. ITIO Innovex reserves the right to accept or reject the offer anytime before signing MOU.

Five year old company specializing in offering online payment services. - We have more than 10,000 users as of now. - Users are end customers who want to pay bills and recharge. - Promoters have 17 years of international experience in the tech and banking sectors. - Company has 4 directors with 50%, 25%, 15% and 10% split. - Business has no liability. - Revenue is generated from commissions. - Company is registered in Kerala but operations are in Bangalore. - We are still in the break-even stage as we are focussing on growth at the moment. - We are witnessing over 300% growth in revenue as we are expanding our services and location.

Looking for a profitable and successful payment centre franchise? You have reached the right place. This is a payment centre business solution offered as a franchise opportunity to individuals, groups, organizations, and companies alike. VIP Payment Centre is growing to become one of the country’s most popular home-based or store-based payment centre solution provider. Barangay Banking is the main campaign of ACM Business Solution (the company behind VIP Payment Center). The company is focused on helping to educate and permanently reduce the 77% unbanked and unserved sector in the Philippines. ACM’s payment centre provides a powerful platform that can help communities to ease their access to the remittances market and bill payment. ACM’s mission is to place 42,000 VIP Payment Center branches nationwide over the next 5 years. We have seen exponential growth with nearly 1,900 branches formed since inception. Franchise partner will generate revenue through commissions on the total daily payments.

One-stop destination for all online services like mobile, DTH recharges, bill payment, bus booking, money-transfers, white-label recharge. - Our focus is to connect the rural, urban and semi-urban towns and villages in India through our portal for all financial and non-financial services. - Have an in-house built website and mobile app. - Mobile has over 5,000 downloads on Google Play Store. - Have more than 11,000 retail stores registered with us across India. - At the moment we only offer payment services but in the near future, we will launch an E-commerce portal. - Already in the process of onboarding sellers for E-commerce and require funds to speed up the process. - Company has partnered with ICICI Bank for payment processing and API transactions. - We generate revenue by charging 1-3% commission for every transaction or payment. - Promoters are highly experienced and employees are well-trained run the company operations.