Merchant:

FRENDZ 1 CELL

Period
# of Terminal

Estimated Monthly Sales Volume

On Card Trx
Average Ticket Size
Kurs 1 USD

1 moths
1 unit

Rp41,666,667 Sales per days

Rp17,500,000
Rp100,000
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

1,388,889

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
Rp17,500,000
Rp14,875,000
Rp11,900,000
Rp7,973,000
Rp7,973,000
Rp0
Rp0
Rp3,927,000
Rp3,927,000
Rp0
Rp0
Rp1,487,500
Rp743,750
Rp371,875
Rp371,875
Rp0
Rp0
Rp743,750
Rp743,750
Rp0
Rp0
Rp1,487,500
Rp743,750
Rp669,375
Rp74,375
Rp0
Rp743,750
Rp743,750
Rp0
Rp0
Rp2,625,000
Rp1,837,500
Rp1,231,125
Rp606,375

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%

Rp787,500
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
Rp458,891
Rp248,699

149
119
Rp127,568
Rp0
Rp0
Rp62,832
Rp0
Rp0
15
Rp4,537
Rp5,281
Rp0
Rp0
Rp11,900
Rp0
Rp0
15
Rp7,363
Rp1,339
Rp0
Rp8,181
Rp0
Rp0
26
Rp0
Rp19,698
Rp0
Rp0
0
Rp0
Rp0
Rp0
Rp0
Rp0
Rp0
Rp0
Rp0
Rp0
Rp0
175

0.050% Charged per quarter ba

11,479,125

0.005% Charged per quarter ba

0.065% Charged per quarter ba

2,018,625
9,460,500

Rp62,708
Rp53,134
Rp5,740
Rp0
Rp101
Rp6,149

$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

119
30
1,487,500
1,487,500

Rp10,710
Rp30,345
Rp60
Rp30

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

6,020,875
6,020,875
6,020,875
6,020,875
6,020,875

Rp9,574
Rp4,817
Rp421
Rp1
Rp120
Rp4,215

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
175

Rp0
Rp0
Rp45,400
Rp70,000
Rp30,334
Rp0
Rp1,750
Rp1,750
Rp0

Rp538,094
2.00%

Rp14,875,000

Rp297,500

2.00%
0.25%
0.00%

Rp1,837,500
Rp787,500
Rp0

Rp36,750
Rp1,969

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

Rp79,203
Rp0
Rp0
Rp0
Rp79,203

= 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