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Paizino Business Model

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Executive Summary

Paizino transforms traditional vending machines into smart, cashless payment points using Apple Pay via App Clips, eliminating hardware costs while generating recurring transaction fees.

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Revenue Streams

Implementation Revenue

Initial Setup Fee: €0-200 per location
  • App Clip customization with merchant branding
  • QR code generation and placement
  • Backend integration and testing
  • Staff training and documentation

Software Customization

Base Package: €200 per merchant (up to 5 POS)
  • Custom branding and UI themes
  • Multi-location management dashboard
  • Analytics and reporting tools
  • API integration support

Transaction Fees

Commission Structure: 0.5% per transaction
  • Added on top of standard payment processing (~1.2% + 0.50 lei)
  • Typical transaction: 10-20 lei per product
  • Average fee per transaction: 0.5-1 lei

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Settlement Process

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Bi-Weekly Merchant Settlements

1

Settlement Cycle

Twice a week automated reconciliation
2

Process

Automated reconciliation and payment processing
3

Payment Method

Direct bank transfer to merchant accounts
4

Reporting

Detailed transaction logs and tax compliance

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Digital Payment Benefits

Predictable Income

Bi-weekly income for merchants

Digital Tracking

Complete transaction visibility

Financial Planning

Improved cash flow management

Real-time Visibility

Live revenue monitoring

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Competitive Advantages

Zero Hardware Investment

No POS terminals required

No Monthly Fees

Transaction-based pricing only

Reduced Maintenance

Software-only solution

Scalability

Marginal cost near zero for additional locations
Key Advantage: Software-only solution eliminates hardware costs while providing predictable recurring revenue from transaction fees.