Merchant:

YUNUS BUSANA

Period
# of Terminal

Estimated Monthly Sales Volume

On Card Trx
Average Ticket Size
Kurs 1 USD

1 moths
1 unit

Rp82,083,333 Sales per days

Rp40,416,667
Rp285,000
Rp12,000
Asumsi %

I. COST
A. Interchange Fees
1. Sales Volume - Off Us
1.1. Sales Volume - Off Us - Domestic
Visa
1.1.1. Domestic VISA Classic & Gold
1.1.2. Domestic VISA Platinum/Signature
1.1.3. Domestic VISA Infinite
Master
1.1.4. Domestic MasterCard
1.1.5. Domestic MasterCard Platinum
1.1.6. Domestic MasterCard Infinite
1.2. Sales Volume - Off Us - Intra Regional
Visa
1.1.1. Aspac VISA Classic
1.1.2. Aspac VISA Gold
1.1.3. Aspac VISA Platinum
1.1.4. Aspac VISA Signature/Infinite
Master
1.1.5. Aspac MasterCard
1.1.6. Aspac MasterCard Platinum
1.1.7
Aspac MasterCard Infinite
1.3. Sales Volume - Off Us - Inter Regional
Visa
1.2.1. International Visa Classic & Gold
1.2.2. International Visa Platinum/Signature
1.2.3. International Visa Infinite
Master
1.2.4. International Mastercard
1.2.5. International Mastercard Platinum
1.2.6. International Mastercard Infinite
2. Sales Volume - On Us
2.1. Sales Volume - On Us - Kartu Kredit Mandiri
2.1.1. On Us VISA
2.1.2. On Us MasterCard
2.1.3
On Us Platinum
2.2. Sales Volume - On Us - Kartu Debit Mandiri
3. Power Buy
3.1. Powerbuy Inst 3X
3.1.1
Powerbuy Visa
3.1.1
Powerbuy MasterCard
3.2. Powerbuy Inst 6X
3.2.1
Powerbuy Visa
3.2.1
Powerbuy MasterCard
3.3. Powerbuy Inst 12X
3.3.1
Powerbuy Visa
3.3.1
Powerbuy MasterCard
3.4. Powerbuy Inst 24X
3.4.1
Powerbuy Visa
3.4.1
Powerbuy MasterCard
4. Mandiri Private Label
5. Prepaid Card

2,736,111

100.0%
85%
80.0%
67.0%
100.0%
0.0%
0.0%
33.0%
100.0%
0.0%
0.0%
10.0%
50.0%
50.0%
50.0%
0.0%
0.0%
50.0%
100.0%
0.0%
0.0%
10.0%
50.0%
90.0%
10.0%
0.0%
50.0%
100.0%
0.0%
0.0%
15.0%
70.0%
67.0%
33.0%
0.0%
30.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%

Biaya

Volume
Rp40,416,667
Rp34,354,167
Rp27,483,333
Rp18,413,833
Rp18,413,833
Rp0
Rp0
Rp9,069,500
Rp9,069,500
Rp0
Rp0
Rp3,435,417
Rp1,717,708
Rp858,854
Rp858,854
Rp0
Rp0
Rp1,717,708
Rp1,717,708
Rp0
Rp0
Rp3,435,417
Rp1,717,708
Rp1,545,938
Rp171,771
Rp0
Rp1,717,708
Rp1,717,708
Rp0
Rp0
Rp6,062,500
Rp4,243,750
Rp2,843,313
Rp1,400,438

1.60% interchange
1.80% interchange
1.80% interchange
1.60% interchange
1.80% interchange
1.80% interchange

1.22%
1.42%
1.85%
2.02%

interchange
interchange
interchange
interchange

1.60% interchange
1.85% interchange
2.02% interchange

1.10% interchange
1.80% interchange
1.97% interchange
1.10% interchange
1.85% interchange
2.05% interchange

1.60% profit sharing

0.00% profit sharing
0.00% profit sharing
0.00%

Rp1,818,750
Rp0
Rp0
Rp0
Rp0
Rp0
Rp0.0
Rp0.0
Rp0
Rp0
Rp0
Rp0
Rp0
Rp0
Rp0
Rp0

0.00% profit sharing

0.00% profit sharing
0.00% profit sharing
0.00% profit sharing
0.00% profit sharing
0.00% profit sharing
0.00% profit sharing
0.00% profit sharing
0.00%
0.00%
Total Trx

B. Service Fees (On & Off Us)

1 VISA
1.1. Acquiring Licence Fees
1.2. Merchant Service Fees
1.2.1
On-us
1.2.2. Domestic & International
1.3. Base II Settlement Fees
1.3.1
Domestic
1.3.2. International
1.4. Acquirer ISA
1.5. International Acquiring Fee
2 MasterCard Int'l
2.1. Acquirer Assessment
2.2. Acquirer Authorization
2.3. Acquirer Call Referral
2.4. Acquirer Cross Border
2.5. IPM Acquirer

Cost
Rp807,430
Rp574,375

121
96
Rp294,621
Rp0
Rp0
Rp145,112
Rp0
Rp0
12
Rp10,478
Rp12,196
Rp0
Rp0
Rp27,483
Rp0
Rp0
12
Rp17,005
Rp3,092
Rp0
Rp18,895
Rp0
Rp0
21
Rp0
Rp45,493
Rp0
Rp0
0
Rp0
Rp0
Rp0
Rp0
Rp0
Rp0
Rp0
Rp0
Rp0
Rp0
142

0.050% Charged per quarter ba

26,511,313

0.005% Charged per quarter ba

0.065% Charged per quarter ba

4,662,063
21,849,250

Rp83,278
Rp61,166
Rp13,256
Rp0
Rp233
Rp14,202

96
24
3,435,417
3,435,417

Rp8,679
Rp24,590
Rp137
Rp69

13,905,354
13,905,354
13,905,354
13,905,354
13,905,354

Rp22,112
Rp11,124
Rp973
Rp3
Rp278
Rp9,734

$0.0075
$0.0850
0.004%
0.002%

Charged per settled tra

Charged per settled tra
Charged on the value of
Charged on the value of

0.080%
0.007%
0.000%
0.002%
0.070%

of MC SV
of MC SV
of MC SV
of MC SV
of MC SV

C. EDC & Vendor Fees

1 EDC Maintenance
1.1. Jabodetabek
1.2. Jawa
1.3. Luar Jawa
2 Depresiasi EDC
3 Slip Management
4 All Transaction Visa & Master

Rp.
33,000
37,000
45,400
70,000
30,334
0

D. Chargeback & Fraud Fees

1 Chargeback Fee
2 Fraud Fee
3 Training Fraud Fee

$0.00
0.01%
Rp5,000 /merchant/bulan

II. REVENUE
A. Merchant Discount Rate
1. MDR Off Us
2. MDR On Us
2.1. On Us Kartu Kredit Mandiri
2.2. On Us Kartu Debit Mandiri
3. Power Buy 3X

Jumlah Trx

Rp145,734
/EDC/bulan
/EDC/bulan
/EDC/bulan
/merchant/bulan
/outlet/bulan
/swipe

0
0
1
1 merchant
1 outlet

0
0
0
0
0
142

Rp0
Rp0
Rp45,400
Rp70,000
Rp30,334
Rp0
Rp4,042
Rp4,042
Rp0

Rp978,380
2.00%

Rp34,354,167

Rp687,083

2.00%
0.25%
0.00%

Rp4,243,750
Rp1,818,750
Rp0

Rp84,875
Rp4,547

4 Power Buy 6X
5 Power Buy 12X
6 Power Buy 24X
Total Powerbuy
B. Sewa Mesin
C. Pengendapan Dana
1. Giro
asumsi FTP 6,9% (O/N rate)
2. Tab Bisnis
asumsi FTP 6,9% (O/N rate)
3. Deposito
special rate FTP 0.1%
III. PROFIT = REVENUE - COST
IV. PROMO PROGRAM (Marketing Cost)
1. Cash Back
2. Sponsorship

0.00%
0.00%
0.00%
1 (# EDC)
3.10% FTP pa
2.85% FTP pa
0.00% FTP pa

0.100%
0%

V. NET PROFIT (setelah marketing cost)

Rp0
Rp0

Rp0 / TID

Rp0 / bulan
Rp85,000,000 / bulan
Rp0 / bulan

Rp0
Rp0

Rp0
Rp201,875
Rp0

Rp170,951
Rp0
Rp0
Rp0
Rp170,951

= Diisi
PILIH SALAH SATU
1.1. Jabodetabek
1.2. Jawa
1.3. Luar Jawa

Rp0
Rp0
Rp0

33,000 /EDC/bulan
37,000 /EDC/bulan
45,400 /EDC/bulan