PROPOSAL ON

Online Payment Solutions

THROUGH

PROPOSED BY
Wintel Limited
House # 25, Road # 47,
Suite # D5, (5th Floor), Gulshan-02, Dhaka-1212.
Bangladesh
Email: info@wintelbd.com
Web: www.wintelbd.com
March 04, 2021

To
Managing Director
Alesha Holdings Limited
Banani, Dhaka

Subject : A comprehensive solution for Online Payments.

Dear Sir,
This is our pleasure and privilege to offer the most exclusive and advanced online payment
solutions for your highly esteemed organization. We would like to propose you a solution to
process your inward customer payments from a single platform. Our offer will give you
flexibility, reliability and cost saving altogether in an unmatched way. The unique features and
supporting services of carefully designed Payment Solutions offer will surely give a comeptitive
edge to your organisation in terms of communications and operational efficiency.

The enclosed proposal shows what we can do to help you along the way. The business proposal
includes details of how you can be best benefitted, and how our service will be delivered to you.

Some of the key benefits from our service are following;

 Competitive rates
 No annual fees, monthly minimums, or hidden fees
 Dedicated account manager
 User friendly merchant portal
 24/7 customer support
 Easy and transparent accounting system
 Integration support
 E-Commerce website development support and availability of downloadable reports
on successful, failed or total payment for finance reconciliation.
The very service comes to you through easy integration with e-commerce platforms adding no
deployment costs with it; on top of that, our service hotline is always available to support you
for any needs.

We assure you of our best services. For any further details please feel free to contact me.

With Regards

Md Nazmul Hasan Nayon

Key Account Manager, B2B Operations
Wintel Limited
Enclosure:
Corporate Offerings from Wintel Limited

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This document will discuss the following service:

Wincommerz (Product of Wintel Limited) Online

Payment Gateway

To provide online payment services to E-commerce Merchants. With this service, merchants
will be able to offer comprehensive payment options to their customers and directly help to
capture more business.

Wincommerz Online Payment Gateway, one of the leading payment gateways in

Bangladesh, combines technology and simplicity to build a secure payment experience for
your business. It is one of the first companies granted the license from Bangladesh Bank,
ready to accelerate your business with diverse payment modes.

Wincommerz (Product of Wintel Limited) is the online payment gateway, which started its
journey in 2012, collects payment from consumers or businesses invoiced by the e-
merchants. Wincommerz is a universal e-Payment Gateway using which e-merchants can
acquire card and mobile wallet transactions in Bangladesh to receive payments on the
internet via their online stores. By developing a secured online payment gateway in
Bangladesh, Wincommerz intends to bridge the gap by acquiring the payment terminal and
making it available to the merchant websites at an affordable cost.

● We are the partner of one of the pioneer Payment Service Operator (PSO) licensees
in Bangladesh
● Wintel Ltd. has been appraised at level 3 of the CMMI
● Institute’s Capability Maturity Model Integration!
● Accepts wide range of credit cards, debit cards, MFS payments & direct online debit
● ISO 9001:2008 Certified Company

We shall be incorporating new services and innovative ideas in addition to the services
discussed here. We believe we are starting a new chapter of business relationship and
reaching that to a new height by blending the technology to serve our customer better.

Who is Wintel?

WINTEL is clearly the leading mobile value added service provider in the country, operating
with all mobile operators in the country.

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WINTEL controls lion shares of VAS market in Bangladesh. Innovative ideas blended by
stunning intelligence and cutting edge technologies acquired from all around the globe
made us far ahead of any competition.

For content delivery our short-codes are 2777™ and 2700™. These are the most popular
short-codes in the country.

Besides Bangladesh market, WINTEL is delivering contents & services to Pakistan, Nepal,
Egypt, Malaysia, Mid-East and Canadian market.

And in the segment of Fintech business operation We are working as frontline business
partner to ensure the sales operation of Wintel Limited.

With an outstanding portfolio of best-of-breed professionals and concrete financial

strength, WINTEL is and will be in an unbeatable height.

But we would like to present ourselves as “we are still growing!”

SCOPE OF SERVICES

WINTEL and Wincommerz will be considering the following services for your esteemed
organization:

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PROPOSED SOLUTION

Merchant Panel
You can visit our merchant panel, where you can view all the transaction status in real-time
and monitor the payment stages, view analytics, process refunds and chargebacks, etc.

Dashboard Analytical Report

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Sales History Refund History

Login Panel Merchant Transaction Summary

FUNCTION FLOW

Available Payment Instruments

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Page 7 of 11
COMMISSION CHART

Category Corporate

Signup Fee BDT 5000*

Integration Charge (If applicable) BDT 5000

Monthly/Yearly Maintenance Fee Nil

Local/International Cards 2.40%

(Visa/Master/Nexus)

American Express 3.40%

Mobile Wallet 2.00%

We Have Plugins for All Major Platforms

Our Valued Clients

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 Our Partners

TERMS & CONDITIONS BY Wintel Limited

1. Payment Settlement Process

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 Collection Period Cut Off Time Payment Settlement Time

Wednesday 10:00:00 AM Sunday Tuesday within

to Sunday 09:59:59 AM 09:59:59 AM banking hour

Sunday 10:00:00 AM Wednesday Thursday within

to Wednesday 09:59:59 AM 09:59:59 AM banking hour

● Wincommerz will perform bank settlement twice a week with the merchant.

● All transactions during a collection period will be summed up and settled in the
merchant designated currentaccount by respective payment settlement time.

● Wincommerz will deduct the respective commission % before bank settlement.

● The cut off time will remain the same on public holidays, bank holidays or closure;
however, if PaymentSettlement Time becomes a public holiday, bank holiday or
closure, payment will be settled on the next available working day.

● If a settlement amount is lower than BDT 10,000; we prefer to deposit it on the next
settlement cycle.

2. Documents Required for Payment Gateway

1. Wincommerz prescribed Application Format to be filled and signed by authorized person

2. Wincommerz Terms & Conditions Acceptance Form

3. Trade License Copy

4. TIN / VAT certificate

5. Copy of National Id

3. Refund Policy

● If a customer or a merchant files a dispute or demands refund, the money will be

refunded depending on the authenticity and verification of the credit documents and
legitimacy of claims.
● The signup fee paid by the merchant is non-refundable after being onboarded.

4. Fraud Policy

Wincommerz can detect suspected fraud transactions within after made the transaction.
Merchant will be notified to ask his/her customer to provide additional documents for the
verification process. If the cardholder is unable to provide sufficient documents, then
Wincommerz reverses the payment to the cardholder.

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If any transaction seems to be suspicious by Wincommerz Limited, 50% of the amount will
be settled before the delivery and the rest will be settled after the product has been
delivered to the customer.

In case of international transactions, the following settlement percentage will be followed to

avoid any possibility of fraud activity -

● First month: 75% of the amount will be held by Wincommerz Limited and 25% will be
settled with the merchant.
● Second month:50% of the amount will be held by Wincommerz Limited and 50% will
be settled with the merchant.
● Third month: 25% of the amount will be held by Wincommerz Limited and 75% will
be settled with the merchant.
● Fourth month and onward: 100% of the amount will be settled with the merchant.

5. Compliance

● No live/production ID will be generated without any live website/app.

● Wincommerz footer banner with payment channels must be added at the website
footer.

● Card activation for international transactions takes 7-10 working days after full
website live, means- no dummy product on website; proper and updated terms and
conditions- refund policy- privacy policy- about us and contact us page;

A tick box with hyperlink of Terms & Conditions, Refund Policy and Privacy Policy
must be there at the Checkout page (to be clicked by customer).

6. Disclaimer

The merchant will reserve all the content related responsibilities and copyright issues. It is
the sole responsibility of you to ensure that any information entered in the relevant fields
are correct, accurate and valid.

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