Smartivi Presentation (ENG)
Transcript of Smartivi Presentation (ENG)
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17 November 2011
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2010 - 2011
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17 November 2011 3
0
20,000
40,000
60,000
80,000
100,000
120,000
Q4 2010 Q1 2011
LAUNCH
Several Baskets on
One Smartivi
IS 1 YEARS OLD
Smartivi Concierge
Q2 2011 Q3 2011 Q4 2011
18,085
Users
40 Providers &
up to 190 Merchants
16,109 Baskets
63,140
Users
43 Providers &
up to 210 Merchants
30,391 Baskets
Full Account
Statement from the
Webpage
New Webpage
99,593
Users
66 Providers &
up to 225 Merchants
35,728 Baskets
Adding Friends and
Sending Money Via
Website
Automatic Top-Up of
Smartivi Balance from any
Liberty Bank Account
Any Nickname for Free
Ability to Choose Card
Designs
New Card Designs
Account Blocking via
SMS
5% Interest Accrual
on Standard Smartivi
Account Balance
Refer a Friend and
Receive Benefits
eWallet Integration
& Money Transfers
Both Ways
>130,000
Users
>70 Providers &
up to 250 Merchants
>40,000 Baskets
N u m b e
r o f U s e r s
www.smartivi.ge
Control Panel for
Transfer Limits
Account Top-up via
Payboxes
First Generation Cards
Second Generation Cards
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SECOND GENERATIONWhat Has Changed Since November 2010?
Convenient
Unlimited baskets per one Smartivi January 2011
concierge February 2011
Monthly Newsletter June 2011
Smartivi.ge Facebook login July 2011
Customisable transfer limits July 2011
Account blocking via SMS October 2011
Account top-up and online payments via
MasterCard
September 2011
Social Networks & P2P
Referral programme and SMS July 2011
Money transfers via website July 2011
Money transfers via Facebook July 2011
Money transfers via SMS July 2011
From 1 November 2011
Ability to choose card designs
Free nickname choices for both Standard & Premium
5% interest accrual on Standard account balance
Integration with eWallet and free fund movements
Automatic top-up of Smartivi balance from any Liberty Bank account
is integrated with national payments system
Referrals – invite a friend and receive benefits
Live video support on Smartivi.ge
Coming Soon This Winter
Discounts at selected retailers and service providers
Free card for online shopping
digital wallet in US$ and Euro
P2P transfers in other currencies
Automatic top-up of account balance from any bank card
@Smartivi. ge email account
SMS
NEW
NEW
NEW
NEW
NEW
NEW
NEW
NEW
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Monthly basket fee on Standard SmartiviGEL 0.5
Monthly fee on Premium SmartiviGEL 3.00
Ways of transferring money to your friend (via Facebook, SMS, website and ATM)4
7 Maximum number of providers per one Standard Smartivi basket
Number of Smartivi providers68
Number of retailers where it is possible to pay with PAY240+
Annual interest rate accrual on Standard Smartivi account balance5.00%
Annual interest rate accrual on Premium Smartivi account balance10.00%
Number of Gift Cards in PAY system that our clients have given away4,500+
Number of Smartivi accounts130,000+
Number of baskets on SmartiviUnlimited
IN NUMBERS
Average number of providers in one Smartivi basket3.42
Share of Smartivi in bill payments from total bill payments at Liberty Bank5.72%
GEL 14.3 Average Smartivi bill payment
Average Smartivi top-up transaction sizeGEL 73.74
Number of providers in Smartivi baskets86,597
Price of Smartivi, as well as Premium Smartivi with any nickname
The amount that the Smartivi account holders pay for adding providers in their Smartivi basket
Price of a basket on a Premium Smartivi
Cash withdrawal fee on Premium Smartivi at 248 Liberty Bank ATMs
Commission that the client pays for topping up Smartivi account balance with any channel
Commission that the sender pays for P2P transactions with the PAY system cards
Movement of funds between Smartivi sub-accounts is free
Low fees (for merchants) for paying via PAY system cards/accounts at retailers (free for users)Cash withdrawal fee on Premium Smartivi at Liberty Bank’s 174 branches and mobile branches
Commission paid by P2P transfer recipient
GEL 0.00
GEL 0.00
GEL 0.00
0.00%
GEL 0.00
0.00%
0.00%
1.00%
1.00%1.00%
Number of ATMs, where it is possible to withdraw cash from Smartivi account248
Liberty Bank’s branches and mobile branches, where it is possible to top-up or withdraw cash from Smartivi account274
Number of Smartivi baskets>40,000
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Via any other Bank’s Visa and MasterCard FREE FREE
Via 274 Liberty Bank branches and mobile branches FREE FREE
Via 600+ self service terminals (Paybox) FREE FREE
Via Liberty Bank Card FREE FREE
Number of providers per one basket 7 10
Transfers between Smartivi sub-accounts FREE FREE
P2P transfer fee Sending free, receiving 1% Sending free, receiving 1%
Daily operations limit at retailers and service units GEL 10,000 GEL 20,000
P2P money transfers on any Liberty Bank card FREE FREE
Cash withdrawal daily limit at Liberty Bank ATMs GEL 1,500 GEL 3,000
OPTIMAL USAGEYou only pay utility bills for one place of residence
You rarely play gambling games on the internet
You are not planning to use Smartivi’s additional
servicesYou want interest to be accrued on your balance
You want to pay utility bills for several places of
residence
You want to play gambling games on internet
You want high interest rate to be accrued on your
balance
You want to take advantage of Smartivi’s diverseadditional services
You want to frequently withdraw cash from your
Smartivi account via ATMs
Cash withdrawal daily limit at Liberty Bank branches and service centres Unlimited Unlimited
Cash withdrawal through Liberty Bank ATMs 1% Min. GEL 0.50 FREE
Cash withdrawal through Liberty Bank branches and service centres 3% Min. GEL 0.50 3% Min. GEL 0.50
P2P transfer limit Max. GEL 500 Max. GEL 500
Annual interest rate (monthly accruals) 5% 10%
Monthly Smartivi concierge service fee GEL 0.50 FREE
Number of baskets Unlimited Unlimited
Monthly basket service fee GEL 0.50 per one basket FREE
Smartivi monthly service fee FREE GEL 3.00
STANDARD AND PREMIUM
G e n e r a l F e a t u r e s
C a s h W i t h d r a w a l
S
m a r t i v i
A c c
o u n t T o p -
u p
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FeaturesStandard
Smartivi
Premium
Smartivi
Generic Payroll Card
Monthly service fee FREE GEL 3.00 X
Direct debit for paying various providers (utility, etc)
Monthly service fee for direct debits GEL 0.50 FREE GEL 1.00+
Convenient payments to providers through baskets X
Monthly basket service fee GEL 0.50 per one basket FREE
XNumber of baskets Unlimited Unlimited X
Number of providers in one basket 7 10 X
SMS receipt X
Annual interest rate on account balance with monthly accruals 5% 10% XMoney transfers via SMS
X
Multicurrency account Coming Soon Coming Soon
Safe online shopping at international online shops Coming Soon Coming Soon X
Cash withdrawal fee via ATM 1%, min GEL 0.50 FREE From 0% to 1%
Account top-up through bank branches
Account top-up via website through any Visa or MasterCard card X
Account top-up via 600+ self service terminals (Paybox) XIntegration with digital wallet
X
STANDARD AND PREMIUM vs. GENERIC PAYROLL CARD
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Earn Money With Smartivi
The 1st account in Georgia that pays you for inviting friends
For what do we pay you? New customers referred by you
Option 1: Invite your friends via an email or Facebook. If a person clicks on your link and joins Smartivi, you are automatically marked as his referrer
Option 2: Through banners and buttons available in various sizes on www.smartivi.ge. Add our banner or button on your website and every visitor who is referred to smartivi.ge
through your banner shall be automatically marked as your referral
In order to receive credit for a referral, the customer referred by you must use one of the two options as described above
How much do we pay you?
• 1 Lari per client who has registered a basket in case the client is referred via email or personal link
• 1% of the amount topped up by the referral within 3 months after the registration takes place
Conditions of Offer:
• Anyone who has a Smartivi account is allowed to participate in the referral program. Merchant accounts are excluded from participation
• Liberty Bank reserves the right to disallow any person as an originator
• Referral payments are unlimited
• Liberty Bank‘s decisions on who is the originator of a given progeny are absolutely final and are not subject to discussion
• Liberty Bank reserves the right to discontinue or change the reward scheme, or any other aspect of the program at any time
REFER A FRIEND
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REFER A FRIEND CONT’D
Useful Tips
Use email
Invite your friends!
The fastest and easiest way to spread the word about Smartivi is email. You can refer friends to Smartivi by sending
them your referral link - you know best how to tell them about this referral program. Friends who know many people
will be your greatest asset
Use email signatures
Email signatures work very effective. They are the letterhead of your email message including typically 5 -10 lines of contact information, and are appended automatically to the end (or sometimes at the top) of each message you
send. Check your email software for this feature
The Web
Social Networks
Post the referral link on your Facebook wall, tweet it on your Twitter page or share it with people in your circles on Google Plus
Blogs, message boards and chats
There are tons of newsgroups and message boards where you can post. You can ask people what they think about Smartivi and if they are
interested in taking part in the referral scheme, but let them make the first move and show their interest
Skype, Google Talk, MSN Messenger or any other instant messaging system
Just as with email you can use these new web based communication forms to find like minded people and spread the word about Smartivi
Use a Web SiteAre you or do you personally know any webmaster? Explain how he could put a banner on his website and generate greater profit with his ID in
the link. This way both of you would gain from the high traffic of the friend's website
Don't forget the offline world!
Family and Friends
Are you enthusiastic about Smartivi? Mention the referral program to family, friends and people who surf on a regular basis
Put your URL everywhere
Put your URL on your business card or make flyers with your URL to give them away every time you need. Are there any local Internet cafes? Find
out if you can refer the shop owner. He could potentially get many indirect referrals on your behalf
GET SMARTIVI FOR FREE
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Coming
Soon
SEND & RECEIVE MONEY
SEND MONEY TRANSACTIONS (P2P)
Send Money Receive Money
FREE 1%
Recipient's Smartivi AccountSender’s Smartivi Account
MOVEMENT OF FUNDS BETWEEN SMARTIVI SUB-ACCOUNTS
FREE
Main Smartivi Account Smartivi sub-account eMoney VISA card
FREE
eMoney wallet Main Smartivi Account
FREE
UPLOAD AND WITHDRAWAL FEES TOUPLOAD AND WITHDRAWAL FEES TO
Withdraw Funds
3%, min GEL 0.5FREE 1%, min GEL 0.5
FREE 1%, min GEL 0.5 FREE
Upload Funds
The existing commercial exchange rates of Liberty Bank will be applied on transactions involving currency conversions
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2007 - 2011
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What can you do with your eMoney Wallet?
Load your eMoney wallet via Smartivi account, 274 Liberty
Bank service centres (including mobile service centres), as well as
self service terminals
Pay on Georgia’s most popular online gambling websites
(Adjarabet, Vivarobet, Maximum , etc), pay your utility bills, top-
up your mobile phone balance (in total 30+ providers) and send
and receive money to/from other users of eMoney wallet
Move your funds to the international electronic wallets such
as WebMoney and (soon) YandexMoney
Integrate your eMoney wallet with your Smartivi account for
free and move your funds between them, as well as send and
receive money to/from other Smartivi users
Withdraw cash from Liberty Bank’s 274 service centres
(including mobile service centres) and (from the integrated
Smartivi Card) 248 ATMs
Transfer money safely from eMoney wallet, using eMoney’s
escrow services
Shop online with leading merchants in the PAY system (soon)
Fast
Wherever you are eMoney gives you an opportunity toreceive comprehensive information about your eWallet and
make desired transactions instantly
Simple
eMoney wallet is easy to manage. By only using your email
and a unique password known only to you, you can processany transaction necessary via internet
Flexible
Your eMoney wallet is integrated with your Smartivi account,
which means that you can transfer money for free from youreMoney account to your Smartivi account and withdraw cash,
as well as use all the other features that Smartivi has to offer
Safe
eMoney is compliant with the highest international safety
standards. In addition you can lock your eMoney wallet via
SMS
eMoney is an electronic wallet and the first and the most popular national internet payments system in Georgia
Since 2007:
85,000+ satisfied users GEL 10,882,475 turnover on eMoney wallets
655,723 successful transactions
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Simple
Secure
Convenient payments for users using only an email address and
password
Quick merchant account activation
Financial data security of your clients
Anti-fraud checks and sophisticated risk management
Full chargeback protection available for merchants
256-Byte SSL encryption
Convenient
Accepted by the most popular Georgian online gambling websites
Integrated with WebMoney and (soon) YandexMoney
Integration with Smartivi allows loading and withdrawal of funds
at Liberty Bank's service centres (including mobile service
centres), ATMs and NOVA self service terminals
Fast
Immediate settlement between electronic wallets and for
merchants in the PAY system
Incentives,
discounts,cashbacks
New customers
and additionalrevenue
eWallet
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Advantages to Customers Advantages to Merchants
Secure, consumer oriented and user friendly multiple payment
options
Cards in the PAY system can be loaded from Liberty Bank’s servicecentres (including mobile service centres), self service terminals,
through other VISA and MasterCard cards and eMoney digital wallet
Funds can be withdrawn from Liberty Bank’s service centres(including mobile service centres) and ATMs
Payments to the merchants in the PAY system (including online) via:
Any (Georgian or international) VISA and MasterCard cards
Smartivi cards (130,000+ active users)
SMS
eMoney digital wallet (85,000+ active users)
NOVA self-service terminals
Using Gift Cards with merchants in the PAY system
PAY already combines over 250 merchants, 70 vendors, 20 onlineshops and service providers and 248 Liberty Bank ATMs
Fully integrated merchant gateway and universal local payment
system for Georgian Merchants
One contract and one interface for multiple payment channels
Access to millions of potential clients in Georgia and abroad (byaccepting VISA and MasterCard payments) and unique access toalmost 200,000 Smartivi cardholders and eMoney digital wallet users
that is only available through PAY
Support in attracting and retaining clients
High security and full protection
Competitive tariffs – 1% commission for funds received throughcards in the PAY system (including Smartivi cards)
All transactions details logged and accessible electronically, ability to
check commission charges, access to analytical reports and graphsdepicting business dynamics
Convenient website www.pay.ge and full merchant support
PAY from Liberty Bank is the first national universal payments system in Georgia
PAY offers businesses access to multiple payment options in Georgia within a single interface. As of today, 250 merchants are using PAY payments
services
INTRODUCTION TO
’
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INTRODUCTION TO CONT’D
Fast Customer payments are reflected on the merchant’s account in a short period of time and are accessible by merchants almost immediately
Universal Payments to merchants in the PAY system can be made via VISA, MasterCard, Smartivi Card, Gift Card and eMoney digital wallet.
Payments can be made with plastic cards, as well as electronically via internet, SMS, Facebook, email (soon). NOVA, OSMP and TBC Pay(soon) self service terminals
Comfortable There is no need to return a change or a fiscal cheque, avoiding customer dissatisfaction and tax risks. Easily receive detailed financialinformation about the transactions
Secure Secure movement of funds. It is impossible to lose funds or for any system errors to occur
Cheap Unlike other payment systems, while paying by Smartivi and PAY cards commission is only 1%. Competitive pricing on VISA andMasterCard merchant acquiring fees
Merchant dashboard Account management
Marketing support
Technical support
PAY Benefits
Payments System
Send money andreceive services Receive money andprovide services
Accept multiple payment methods PAY services for merchants
PROVIDERS AND MERCHANTS IN THE SYSTEM
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PROVIDERS AND MERCHANTS IN THE SYSTEM
Utility PaymentsCommunications &
InternetMobile Operators
State Services
& Tax
Internet Shopping &
Hosting
Transportation &
Logistics
Entertainment &
ContentOnline Gambling Financial Services
In total 25
providers
In total 21
providers
1 0 0 + P R O V I D E
R S
U P
T O 2 5 0
M E R
C H A N T S
In total 6
providers
In total 8
providers
In total 26
providers
In total 3
providers
In total 8
providers
In total 7
providers
In total 6
providers
შინაგან საქმეთა სამინისტრო
თბილისის საბავშვო ბაღები
PROCESS PAYMENTS WITH
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Plastic Cards
Accept all types of VISA and MasterCard cards
and any type of card in the PAY payments
system (including Smartivi cards)
Quick and easy integration
User friendly gateway, fast and painless
merchant sign-up process
High security standards
Competitive pricing from just 1%!*
Merchant dashboard & reports
Target 100,000+ Smartivi and other PAY
system card users and 85,000 eMoney
users!
eWallet Payment Processing
Target tens of thousands additional customers
who use eMoney digital wallet. Payments made
through eMoney digital wallet are convenient
for online shoppers
Only email address and password
required to make a payment
Real-time secure transactions
Ease of use increases customer retention
Access to joint marketing opportunities
Low tariffs
eCommerce Solutions
If you want to attract more customers by
offering them convenient online shopping
experience, you can now benefit by choosing
PAY to process your payments
Immediate and customisable integration
Beneficial rates and fees
Instant payment notifications
Local expertise and market knowledge
Dedicated support team
Instant access to your revenues
Pay your expenses and supplies with your Smartivi business card
Fast, Secure And Convenient Payment Gateway
Accept payments with:
More options
coming soon…[email protected]
*On cards in the PAY system
PROCESS PAYMENTS WITH
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With PAY payment gateway you, as a merchant, benefit from a wide selection of payment methods with just one simple and quick integration. Accept
international and local credit and debit cards, bank transfers, and a growing number of alternative payment options, including the eMoney digital
wallet. Start using this convenient, quick and secure payment gateway today and process payments directly on your website.
DIRECT PAYMENT PROCESSING
Competitive and flexible pricing with these unique features…
Large choice of payment options:
All types of VISA and MasterCard cards, Smartivi cards, Gift Cards andeMoney digital wallet
Fast integration:
Dedicated support team for the fast integration in PAY system
Transaction records:Receive detailed record of each transaction, access to detailed
financial reports on PAY website
Payment process:
Total to pay: GEL 100
Cardholder’s name:
Card number:
Security code:
Expiration
date:
Confirmation
month year
Payment process:
Total to pay: GEL 100
Choose your payment method
Type of international card:
Local payment options:
eWallet:
Continue
Payment process:
Payment confirmed
Order number: 00011
Description: Purse
Price: GEL 100
VAT: 18%
Total amount: GEL 118
√
PCI-DSS level security
PAY is a service of Liberty Bank’s in-house processing centre, which,is PCI-DSS compliant, which means that you don’t have to be
Merchant dashboard:
A wide selection of customisable settings, transaction monitoring,
reporting and archiving
Readily available online shop:
We are offering you a readily available online shop on cheap.ge,where you can place your products for sale and your business is
already on the internet
FOR YOUR BUSINESS
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Auction Payments
Officially accepted by eAuction.ge, our flexible solution offers auction fulfillment and secure and instant payments between buyers
and sellers, including all the variables needed to keep your customers happy and protected and help you receive positive feedback
Internet Casino & Gambling
When your customers need to pay and play, we make sure they do it as smoothly as possible! PAY is integrated with every popular
online gambling business in Georgia. Our system gives you an all-round risk management and fraud protection and we support your
growth with targeted marketing and promotions
Internet Shopping & Content
PAY already works with a large number of shop systems and solution providers, which is the easiest way of running an online
business providing you access to all payment options and risk management tools through one simple integration
Retailers & Service Providers
Offering all types of payment interfaces, PAY provides customisable payment solutions for retailers & service providers. Ourlarge network of local payment options helps you monetise customers around the world, giving them opportunity to pay via plastic
cards, SMS, internet, Facebook and self-service terminals
FOR YOUR BUSINESSPAY payment solutions power your business further. Get access to multiple options with one simple integration
As a one stop shop we provide all you need to open your business to millions of customers in Georgia and abroad, by allowing youto accept their choice of payment method
Whichever way you plug into PAY, it means faster payments, increased reach, growth and boosted revenues. Can you afford to
accept anything less when choosing your solution?
We are planning to add much more services to the already vast range of services available to you. In the near future you will be able
to place your product offers on bus stop advertisement boards, from where customers will be able directly purchase your productsvia telephone
If you need advice about choosing the solution that best fits your needs, contact our dedicated Merchant Service Team at:
FOR INTERNET SHOPS
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Choosing the internet acquiring services that is right for your business is crucial for online shops. PAY
payments system offers you access to multiple payment options with competitive tariffs
PAY payment system will help you power your business further!
PAY is a multifaceted system– a one stop shop for all your needs. Select the payments solution that is most
suited for your business and get access to millions of customers in Georgia and abroad. Whatever you choose,
just remember: integrating with PAY payments gateway means instant payments, more customers and
revenue growth for your business!
Need help in making the right choice?
Contact our dedicated service team and get their advice: [email protected]
FOR INTERNET SHOPS
Only by using our system, you will be able to receive payments from those clients who do not possess bank
cards, banking accounts or electronic accounts. We offer such clients an opportunity to make payments in
cash via any self-service terminal in Georgia
Facebook Store is one of the fastest growing online shopping segments. PAY system is Facebook useroriented. If you have a Facebook Store, we can offer you a payment solution specifically suited for this
purpose
Delivering products to customers physically is one of the biggest challenges that the online shops face,
especially in those areas where postal services are not adequately developed. We offer you Liberty Bank’s
courier services to solve this problem
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TARIFFS FOR MERCHANTS
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POS Virtual POS Online
www.Smartivi.ge
www.eMoney.ge
SMS FACEBOOK
Liberty Bank’s VISA and MasterCard cards As Agreed As Agreed As Agreed
eMoney VISA card 1% 1% As Agreed
Other VISA and MasterCard cards 2%-2.5% As Agreed As Agreed
Smartivi 1% 1% As Agreed 1% 1%
Gift Card 1% 1% 1% 1%
eMoney digital wallet As Agreed As Agreed
CashAs Agreed
SMS
TARIFFS FOR MERCHANTS
ECOMMERCE SOLUTIONS
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Facebook Store Platform
PAY already works with a large number of eCommerce solutions and strategic partners. If your
provider is not listed below, please contact us to see how we can help
eCommerce solutions – logos for your website
Electronic auction platforms
You can also open an
online store along with
your Facebook store
ECOMMERCE SOLUTIONS
Tons of features
Fast & Secure
Full integration with PAY
eCommerce Shopping Cart Software
COMPETITIVE ADVANTAGES
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Payments with VISA
Payments with MasterCard
Payment with American Express
Payments with Smartivi
Payments with Gift Card
Payments via mobile phone
Online payments
Payments via Facebook
Payments via self-service terminals
Your products on the online and Facebook shop
Sending SMS messages to your customers
Sending emails to your customers and courier
services
SMS
COMPETITIVE ADVANTAGES
COMING SOON!
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Readily Available Online Shop
Place your products in PAY’s online shop, or use our eCommerce
shopping cart software in order to create one of your own!
Offer easy incentives to clients online
Offer discounts and sales on items to your customers using multiple
online channels through PAY system. Available to only merchants inthe PAY system!
COMING SOON!
WHAT YOU NEED TO KNOW BEFORE USING AS A MERCHANT
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Full terms and conditions
Privacy policy
Return policy
Full contact details
Company legal name and registration number
Company contact information: email and phone numbers
Your website must have:1 You need Pay.ge account, you can open online
by visiting www.pay.ge2
Your website should be fully operational in
order to be able to accept payments3
Important: Mandatory Merchant Verification
Protection against a negative balance
You will be asked to provide a set of
necessary documents and in a short
questionnaire/agreement. All this
information can be found on Pay.ge
website.
With any payment, made by VISA & MasterCard there is always the risk
of a chargeback. A chargeback applies when your customer contactstheir card issuer or bank claiming that he/she did not make the
payment or receive their goods. In most cases this can be avoided by
setting up clear terms and conditions, granting fast delivery of ordered
goods or services and can be resolved directly between you and your
customer.
If your customer initiates a chargeback, the respective amount will be
taken directly from your PAY account. We need to ensure that youalways have a positive balance on your account; if your balance
becomes negative then you lose the ability to accept any further
payments through the PAY system until you have uploaded enough
funds to get back into the positive.
The typical reserve we apply is 10% over 180 days.
Transactions made by PAY cards (including Smartivi) and eMoney
wallets are not subject to chargebacks – another reason to switch to
PAY merchant services today
Fill out a request form online on www.pay.ge
Or contact us at: [email protected]
We will conduct a test purchase
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Find out more at:
www.smartivi.ge
www.emoney.gewww.pay.ge
Liberty Tower, 74 I. Chavchavadze Ave, Tbilisi 0162, Georgia
In case of any questions please contact:
Archil MelikadzeHead of Merchant Business Development Initiative
Mob.: +995 591 518008
email: [email protected]
T H A N K Y O U
Sales Team Support Team
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Appendix: Main Features
BASKET
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S Smartivi basket is one of the main
features of Smartivi, which aims to
simplify payment procedures for
Smartivi users
S You can add your desired providers
to your Smartivi basket, get theinformation instantly about your
outstanding balance and make
payments without re-inputting
your personal data
S Number of baskets on Smartivi is
unlimited
S Fee per one basket on Standard
Smartivi is GEL 0.50, whereas on
Premium Smartivi it is free
BASKET
SENDING MONEY VIA SMS
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S Smartivi gives you an opportunity to transfer money to any other Smartivi user via only SMS message!
S In order to transfer money via SMS you only need to enter the recipient's Smartivi nickname, then #,
then amount of money you would like to transfer, then again # and send it to the following number:
5000 (the number is the same no matter which Georgian mobile operator you are using)
S Sending money via SMS is free, but the recipient pays 1% of the received funds
S N ING MON Y VIA SMS
SENDING MONEY VIA FACEBOOK
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S You can transfer money to any of your Facebook friends, even if they do not have a
Smartivi account. If they already have Smartivi accounts, the funds will be loaded
automatically, but if not, they can open Smartivi accounts within the seven day
period and receive funds
S In order to transfer money via Facebook please visit the following link:
https://apps.facebook.com/smartivi-lb/ and “like” the Smartivi Facebook page
S Choose your friend from your friend’s list, then choose “Send Money” from the list of
options, or “Receive Money”, press enter and your transaction is complete
S Sending money via Facebook is free, but the recipient pays 1% of the received funds
SENDING MONEY VIA FACEBOOK CONT’D
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Choose a friend to whom you would like to make a money transfer Enter the amount you would like to transfer
Check the transfer operation Confirm the transfer
REFERRAL PROGRAMME
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S In order to join the Smartivi Referral programme, you should have a Smartivi account and a website profile.
After logging in through your Smartivi nickname and password, you can invite friends through email or web-
banner, after which you are automatically marked as his referrer
S You will receive credit for your referral after your friend registers a Smartivi account and receives a Smartivi card
S In order for your friend to become your referral, he/she should register on the Smartivi website, through the linkprovided to him/her by you
S In order to invite more friends, you can place your unique referral link on different social network pages, blogs,
message boards and chats
S You can also share your unique referral link through Skype, Google Talk, MSN and any other instant messaging
system
S How much do we pay you?
S 1 Lari per client who has registered a basket in case the client is referred via email or
personal link
S1% of the amount topped up by the referral within 3 months after the registration
takes place
REFERRAL VIA EMAIL
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S In order to invite friends to Smartivi via email, you should log into your Smartivi profile and choose
“Smartivi Refer A Friend Programme”, press email banner, indicate the email address, as well as the friend’s
name and surname
Your unique link with which your friend becomes your referral after registering
through it: https://www.smartivi.ge/index.php/register/index/17
REFERRAL VIA BANNER
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S In order to invite friends to Smartivi via web banner, you should log into your Smartivi profile and choose
“Smartivi Refer A Friend Programme”, press the banner “banner” after which you will receive an HTML
code to be placed on your website: <a href="https://www.smartivi.ge/index.php/register/index/13"target="_blank"><img src="https:// www.smartivi.ge/files/referer_imgs/3002501.gif " width="300"
height="250"/></a>
S From www.Smartivi.ge you can access six
different sizes of banners to be placed on
your website, 3 horizontal and 3 vertixcal
S Banners are also available in customisablesizes