PMG CLUB

Micro-entrepreneur is the new retail

99% of businesses in the EU have fewer than ten people. Together, they account for a third of the European economy's turnover.

• 33 million micro and small businesses — low turnover, zero patience for paperwork • Traditional acquisition costs more than what such a customer brings in a year • Payment within ten seconds will be mandatory by 2025, not a competitive advantage • The winner will be the one who serves the small customer at the price of a digital product

PMG CLUB

One payment layer, not six products

Channels differ by technology, not by customer. The customer has one contract, one settlement, and one price list.

• Store — classic POS and SoftPOS on the phone, no hardware purchase • Online — payment gateway, one-click and tokenization for repeat purchases • QR and A2A — payment directly from account to account, instant settlement, lower cost • Recurring payments — subscriptions, installments, and mandates as a standalone service

AGENDA

The entire lifecycle as one process

01

Acquisition — digitally and through partners, not a sales network

02

Onboarding — identification and contract remotely, in minutes

03

Transaction — one settlement across all channels

04

Service — self-service and reliable data

05

Development — financing, payouts, and loyalty on the same relationship

PMG CLUB

Where margin is created

Minutes — time from interest to first received payment

Zero visits — onboarding and service completely remote

2+ services — number of products on one customer relationship

PMG CLUB

Payments are a ticket, not a product

Whoever serves the smallest customer cheaply and quickly will gain the rest of their business. — Miroslav Pekárek, PMG Capital

pmgclub.com