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User Guide
- Provide e-commerce owners with a free payment gateway.
- Speed up online shopping.
- Give customers an online payment option that is simple.
- Avoid having to fill the credit card's information.
Name: Carlo Mendoza
Age: 44
Description: An experienced businessman that has an e-commerce website that sells shoes.
Motivations: Reducing costs while also giving the customer the best shopping experience. He also cares about the speed of the transactions so that customers can checkout easier.
Dislikes: Long tedious processes, waiting in line, customers losing interest in buying his shoes and pineapple pizza.
- Mercado Libre: Mercado Pago is Mercado Libre's payment gateway. One of its features is being able to generate a unique QR code for a business. A customer can then pay by scanning the QR in the Mercado Libre or Mercado Pago app and entering the amount they want to pay. While it does not charge any commission, it also does not support e-commerce transactions, making it different from YaPay.
- VisaNet: This uses the same method as Mercado Libre. The differences are that the customer pays in their preferred electronic wallet application such as Interbank's Wallie. It does charge the standard POS VisaNet commission.
More than 5 million Peruvians shop online, as said in a study made by Interactive Advertising Bureau Peru.
The survey made by the YaPay team has been answered by 192 people.
- 167/192 have shopped online at least once a year.
- 84.4% answered that they would use a QR code to pay their online shopping orders if offered the chance.
- 78.9% of them found that manually typing their credit card information to pay online is tedious.
19/192 own an e-commerce business:
- 94.7% confirmed that they would use Yape as a free payment gateway
- 68.4% would agree to promote Yape to their users.
For more information: Link to survey
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As the Yape team I can collect analytics about the payments made with YaPay
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[Epic] As an online shopper, I will know how to pay my order with Yape
- I will follow the instructions shown below the QR in the webpage that I’m buying from
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As a online seller I can change my bank account associated with my Yape business profile.
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[Epic] As an online shopper, I will not have to worry not being able to pay with YaPay because my transaction is in dollars
- I will receive a warning about the exchange rate
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As an online seller I can setup my payment gateway easily.
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As an online seller, I can ensure the safety of my transactions behind a trustworthy platform(BCP).
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[Epic]As an online shopper, I can make payments faster
- don't have to carry my card around
- I have more time to keep shopping
- I can scan a QR code and pay without needing to type anything
- [Epic] As an online shopper, I know my information is secure
- I don't have to put my card information in any webpage
- I can make sure I’m paying the right amount
- I get a confirmation of the transaction from both the webpage and the application
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As the CEO, I can attract new customers by offering them a payment method that is faster and easier
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[Epic] As a businessperson, I can lower my spendings
- I can have an option that will not charge me commissions for payment processing.
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As an online shopper, I can see the detailed order from the app, not just the final amount
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As an online shopper, I can get a confirmation email from Yape.
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As an online shopper, I can get a code instead of a QR in case my camera is malfunctioning
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[Epic] As the CEO, I can attract more influential customers
- I can engage with new businesspeople to form beneficial collaborations
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As an online shopper, I can give donations to Yape
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As a businessperson, I can choose to share some of my income with Yape
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As an online shopper, I can choose from which account I can pay with and which currency.
System: Online shopping platform
User Case: UC01 Buying online with Yape
Actor: Online shopper
Preconditions: Be logged-in in the Yape app
MSS:
- Online shopper is in checkout page
- Online shopping platform shows Yape as a payment method
- Online shopper clicks on Yape
- Online shopping platform shows a QR
- Online shopper opens their Yape app to continue transaction (UC02)
- Online shopping platform shows a confirmation in the payment method and continues with the next step
END USE CASE
Extensions:
5.1 Online shopper chooses to stop the transaction in Yape App
5.1.1 Online shopping platform shows a message of “Could not complete purchase” or “Purchase cancelled”
5.1.2. Return to step 2
System: Yape App
User Case: UC02 Using the Yape app for online shopping confirmation
Actor: Online shopper
Preconditions: Online shopper paying online in a website that has Yape as a payment method
MSS:
- Online shopper opens the Yape App
- Online shopper opens the QR code scanner
- Online shopper reads the QR code shown on the online selling platform with the QR scanner in their phone
- Yape App shows a non-editable amount with the price of the item and name of the online selling platform
- Yape App asks for a confirmation of the transaction
- Online shopper confirms transaction
- Yape app returns to main screen
END USE CASE
Extensions:
5.1 Online shopper chooses to stop the transaction
5.1.1. Jump to step 7
System: Online shopping platform
User Case: UC03 Incorporate YaPay
Actor: Online seller
Preconditions: Have a Yape business account
MSS:
- Online seller wants to incorporate YaPay
- Online seller copies the YaPay script to their payment platform
- Online seller links YaPay to their Yape account
- The online shopping platform is now ready to use Yapay
- Online seller promotes Yape to their clients
END USE CASE
System: Online shopping platform
User Case: UC05 Collect information about the payments done with YaPay
Actor: Online shopper
Preconditions: Tracking code has been placed
MSS:
- Online shopper decides to pay with Yape
- Online shopper scans (UC01)
- Frontend displays confirmation message
- Backend sends report of transaction to the analytic service
- Data is collected
- Yape team process data for analytics
END USE CASE
- Payment Gateway(Pasarela de pago): A payment gateway is an e-commerce service that processes credit card payments for online and traditional brick and mortar stores.
- Encryption: The method by which plaintext or any other type of data is converted from a readable form to an encoded version that can only be decoded by another entity if they have access to a decryption key.
- QR code: QR, Quick Response, is a trademark for a type of matrix barcode that contains information about the item to which it is attached.
- Checkout: Part of the process of online shopping in which the customer enters delivery information and pays for the item.
- Shopping cart: Piece of e-commerce software on a web server that allows visitors to an Internet site to select items for eventual purchase.