Circle Plus Payments offers a mobile payment application called PayAble that allows merchants to accept bitcoin, credit cards, and Apple Pay payments on their smartphones without additional hardware. The app is available in 18 countries and has the potential to empower billions of customers. PayAble aims to make transactions simple, elegant and secure for both merchants and customers by allowing payments directly from mobile wallets without sharing credit card information. The funding will be used for marketing to acquire new merchants and grow transaction volume on the platform.

1. Circle Plus Payments
PayAble™ App
Empowering the next billion to accept
mobile payments.
http://www.circlepluspayments.com

2. Are you PayAble?
CPP enabling merchants with
mobile payments option in
18 countries!

3. Circle Plus Payments Joins the
Mobile Payment Products World to
make your transaction experience
Simple, Elegant and Safe!
http://www.businessinsider.com/the-future-of-the-payments-industry-2014-slide-deck-2014-7
CPP
Concept
Stage

4. Circle Plus Payments – The Mission
“Empower merchants with a simple, secure,
and economical mobile payment service that
operates worldwide and enables individuals
and merchants to accept bitcoin and credit
cards seamlessly.”

5. Circle Plus Payments – Products
PayAble Bitcoin
• Android and iOS (iPad and
iPhone)
• Debit card sign-up
• US customers
PayAble Pay
• Credit/Debit card and Bitcoin
• Android and iOS
• 18 countries worldwide
• Bank account sign-up
Payable Wallet
• iOS
• 18 countries (credit card)
• USA (Apple Pay or credit
card)
Don’t have to do this and
become vulnerable!
Protect your card
information

6. PayAble™ App
Accepts:
 Bitcoins
 Credit/Debit Cards
 Apple Pay through wallet
Accepts 139 currencies
Accessible by a billion consumers
No external hardware
Credit card skimming eliminated
No physical credit card required
with wallet

7. Bitcoin
No charge-back issue with
Bitcoin transactions
Low transaction fee
No volatility in accepting Bitcoin
Eliminates risk and fraud through Bitcoin
Future cryptocurrencies can be added

8. PayAble™ Features
Debit card/ Bank account sign-up
Highly secure
Dashboard Graphics
Payment Analytics
Quick Books Integration
Shopping Cart Set-Up
Flexibility to Configure for any
Business
Powered by Stripe, Inc.

9. Single Item vs. Multiple Items Shopping Cart

10. Track your transactions
instantly!

11. According to Payment Eye,
mobile payments are
expected to eclipse 1.3
trillion dollars annually by
2017.
6.8 billion mobile devices
worldwide today!
Small merchants are the
future of mobile payments!
Empower them!
Reference: http://www.paymenteye.com/2014/08/12/mobile-payments-key-trends-for-2015-2/

12. Why PayAble?
Integrated single App solution
 Bitcoin, Apple Pay, Credit/Debit Card
Huge customer base potential and support
 18 countries
 closer to a billion consumers
CPP run by an exponential organization
 dematerialized hardware for accepting credit cards
Accept EMV chip and pin credit cards
 No extra dongles or external hardware
No charge back issues when accepting bitcoin

13. Why PayAble?
Secure mobile payment options
 Face-to-face transaction
 Remote payment transaction
Sustain cryptocurrency market growth along
with industry leaders.
 Block chain technology is here to stay.
Developed on the Stripe connect platform
Empower your business to accept any
sale at anytime on your smartphone!

14. Legal Compliance
Use Stripe, Inc. for compliance
Follow Bitcoin’s rules for compliance
Our own transaction rules
US counsel
Retain counsel in other countries as
needed

15. Support Model
Stripe, Inc. support for transactions and
chargebacks
Circle Plus Payments support for
transactions and applications by email
Plans to enlarge support structure as
customer base grows in modular fashion
Outsource and scale over billions of users
18 countries supported
https://stripe.com/global

16. Security
Security in transaction
communications; all encrypted
sessions
Secure database storage; all
encrypted
Clear mobile device memory on
transaction completion or timeout
Use current security patches to
maintain compliance and security

17. Company Transaction fees Additional fees Accept Bitcoin Accept Apple Pay
Square 2.75% Yes Not yet
Square keyin
transaction 3.50% 15 cents
Intuit Gopayment 2.40% 25 cents No No
intuit keyin
transaction 3.40% 25 cents
> 3000 per month 1.75% 25 cents
Paypal 2.70% Yes No
Paypal keyin 3.50% 15 cents
non-us card 1% more
Flint 2.95% same for No No
debit card payment 1.95% key in rate
World Pay 2.55% No No
keyin transactions 2.75% 25 cents
Payable Pay by 1% to 2.90% 20-30 cents YES YES
Circle Plus
Payments Notes 1 & 2
Payable App Notes:
1. Key in, scanning card, remote wallet, apple pay options have the same fees
2. Rate in various countries are different and typically lower than 2.9%, e.g. Australia 1.75%,
UK 1.9% plus 20 pence, Scandanvia 1.7% +20 cents; Bitcoin 1%

18. Company Analytics Card reader ios Android
Square Yes Required Yes Yes
Intuit Gopayment Yes Required Yes Yes
Paypal Yes Required Yes Yes
Flint Yes (limited)
No, contactless
camera scan card Yes Yes
World Pay Robust Required Yes Yes
Payable Pay (CPP) YES
NO, Scan & wallet
options YES YES

19. Company Touch ID? Wallet Feature Other Feature Support Specific comments
Square YES NO
(square cash) mobile support
100$ initial fee, wait
for couple of days to
start; buy EMV chip
reader for $29.00; US
Canada and Japan
Intuit Gopayment NO NO quickbooks integration 19.95$ monyhly fee
US Based
Paypal YES NO stylish phone support
more countries
presence than all apps
Flint NO NO special scanner US Based
7 am to 5 pm support
World Pay NO
monthly fee and lowere rates
available 24 hours toll free US based
Payable Pay (CPP) YES YES Remote Payment Option
24 hours (phone and
email support)
Present in 18
countries

20. Are You Ready for Next Generation
Payment Processing Solutions?
 What if you don’t have to give your credit card to any one for payment and worry?
 What if you don’t need to add any hardware to mobile phone to process payments?
 What if you don’t have to buy a NFC terminal and still be able to accept Apple Pay?
 What if you can review what you are paying for before you decide to pay?
 All you need is a “Smart Phone”!
Circle Plus Payments
A true Mobile to Mobile Payment Solution Company!
Who else may use my card?
What if I forget the attachment?
Do I really want to sign
for a merchant account?

21. Bitcoin Processing (Merchant)

22. Bitcoin Processing (Customer)
Circle Wallet – Customer Sends Bitcoins Payable Accepts in
Dollars - Merchant

23. Credit Card Processing Using Wallet
(Merchant)
Customer

24. Credit Card Processing using Wallet
(Customer)

25. Credit Card Processing using Wallet
(Verification)
Verification by Merchant
Verification
by
customer

26. Credit Card Processing Using Apple Pay
Merchant

27. Credit Card Processing Using Apple Pay
Customer

28. Credit Card Processing Using Apple Pay
Customer

29. Simple Credit Card Processing

30. Simple Credit Card Processing (cont’d)

31. Typical client profile now

32. Lawyers, photographer, car detailers
• Average transaction size in the last 25 days has
been 100-2000 dollars per transaction from
mobile businesses, our average merchant has
averaged roughly 2000 dollars per day in
volume and one of our merchants just did
27,000 dollars in volume in the last few weeks.

33. The Ask
•
$3 million dollars at $5,000,000 valuation

34. Use of proceeds
$500,000 a year on marketing and growth
2-5 dollar per merchant acquisition costs.
100,000 users averaging 100 dollars a day is
3,650,000,000 dollar transaction volume per year
our current margins are very low at .01% however we expect
1% margins with scale. At current margins that’s $36,500,000
revenue mostly profit besides our low marketing expenses.