Payper Pitch Deck

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Redefining Payments:

Instant, Personalized and Automated


Problem
Losing Valuable Wasting Money Lack of Complex Financial
Time Customization Check
Current solutions require The fees are high, Payment gateways Analyzing and
entering personal details there is no control on are not personalized checking consumer
and transactions take 3 recurring payments on personal financial financial data is a
to 7 days to be and cash flow is hard situations and there difficult task
completed to predict is a high transaction
fail rate

Let’s see how we can make this better!


solution
An advanced payment system for commercial use
offering flexibility, security, lower costs and lower
churn rates.

Saving time, money and hassle through:


Speed and Efficiency of Transactions
Security and Fraud Prevention
Control and Customization
Real-Time Confirmation
Product
Payper is Open-Banking Payments Solution that offers Instant Bank Payments.

Instant
Personalized
Automated

Recurring payments with Efficient payments with Streamlined payment


real-time confirmation, low fees and AI-powered processes with reduced
financial situation check, and gateway customization manual effort
instant withdrawals/refunds
Features

SEAMLESS UX COLLECTION AUTOMATION


Few clicks and no information entry Easing the recurring payments

CUSTOMIZATION REDUCED FEES


Local infrastructure to decrease the
Choose payment parameters fees

INTEGRATION MADE EASY FAST TRANSFER


Integrate in multiple platforms Instant money transfers and refunds
How it works

Select payment
method
Select a ban
Select source
accoun
Authenticat
Input payment
parameter
Successful
transfer
Business Model

Small Clients Medium Clients Large Clients


49$ Monthly 99$ Monthly 299$ Monthly
Subscription
Subscription
Subscription

+
+
+

0.2$ Transaction Fee


0.15$ Transaction Fee
0.10$ Transaction Fee

+
+
+

2% Transaction Fee on 1.5% Transaction Fee 1% Transaction Fee on


Amount on Amount Amount
market

Digital Payments Worldwide TAM: $8.3T


US$9.46tn
Digital Payment market
size in 2023
Digital Payments in GCC SAM: $106.3B

US$14.78tn
Expected market

size in 2027 SOM:

$48.1B
Digital Payments in Saudi Arabia
competition

Personalized

Tarabut Gateway

Expensive Affordable
Tink

Local Banks Lean Technologies

Unmodified​
Key Metrics

Customers Churn Rate ARR ARPU


2025 - 57
2025 - 1.8% 2025 - $10,759 2025 - $16,010
2026 - 178
2026 - 10% 2026 - $42,648 2026 - $16,154
2027 - 191 2027 - 14.3% 2027 - $72,716 2027 -$ 16,422
Roadmap pAYPER
Q1: Hire core team, start product design

2024 Q2: Start development

Q4: Interview customers and gather feedback

Q1: Testing and apply to license

2025 Q4: Local launch, grow and monitor

Q1: Artificial Intelligence

2026 Q4: Offline Payments

2027 Q2: Regional OB Payments

2028 Q4: : Business Banking Platform


Team

Moustafa Ahmed Anas Jan Yusuf Dabagh Salwa Radwi


Co-Founder / CEO Co-Founder / COO Advisor Advisor
Income Statement
2024 2025 2026 2027
(Dollars in Thousands)

Revenue - $ 2,241 $ 28,161 $ 59,153


% growth - 0% 1156% 110%
Total cost of service - $ 445 $ 5,591 $ 11,744
% of revenue - 20% 20% 20%

Gross profit - $ 1,796 $ 22,570 $ 47,409


% margin - 80% 80% 80%
Total Expenses $ 109 366 $ 1,009 1,252
% of revenue - 16% 4% 2%
EBITDA $ (109) $ 1,430 $ 21,561 $ 46,157
% margin - 64% 77% 78%
% growth - 1415% 1407% 114%
Total cash flow from operations $ (100) $ 1,655 $ 22,108 $ 46,669
Cash $ (380) $ 915 $ 23,021 $ 69,690
Investment
$1.15M
For 18% Equity

Year 1 Year 2 Total

Marketing: $600 $62,850 $63,450

Salaries $80,000 $240,450 $320,450

New Technology Development: $283,300 $359,000 $642,300

Operating expenses $28,190 $62,712 $90,902

Capital Reserve: $15,000 $15,000 $30,000

Total $266,540 $545,412 $1,147,102


thank you
Contact info:
moustafa@payperksa.com
www.payperksa.com

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