VIRTUAL CREDIT CARD ( VCC )

VCC stands for Virtual Credit Card that serves to PayPal verified and does not have a physical form. VCC main purpose is to protect the major credit card so when doing transactions online, the credit card owner does not provide the actual credit card information. Attracting and receiving money from paypal to Indonesian local bank we need to conduct verification account of paypal via credit card. Before continuing VCC, firstly we have to know what is PayPal ?.

Paypal is a payment instrument that interact using online networks, with high security guarantees. PayPal users can transact and buy goods on the website which has worked with PayPal and can send money kesesama paypal users around the world. besides paypal also present to support and supports a variety of conventional transactions such as checks and money orders can take some time. PayPal can also be likened to a bank account online.

Why do we need to verifying ?

If you paypal status is unverified, it means that you have been limited in delivering of $100. So, you can not receive the money to your account. As well as we buy or delivery the product more than $100 you will not be able to do it.

whether to be verified the paypal acoount ?

yes, we have to verify the paypal account. Paypal said : “verification is the way to prove the member identity, and it increase the security of our payment network for everyone.” 

The advantages of using VCC :

·         does not have many requirements and should be surveyed in advance, unlike making a credit card at the bank.

·         The verifying process doesn’t take long time.

·         It is safe doesn’t require personal identity.

·         The making costs is cheap categorized.

·         Your paypal status is verified forever, until there is no new policy from PayPal.

·         VCC is legal and doesn’t break the rule of PayPal.

How to buy and input process in VCC ?

Generally the step of making VCC is similar according to the provider.

·         Visit the provider website of VCC

·         Commonly you must fulfill the registration form at first.

·         The provider will sent the confirmation to your email, and than you check your email to know the next requirement. Usually it is about the payment info of making VCC and you have to pay it before continuing the next step.

·         Doing transfer of amount money, and confirm the transfer via email or sms.

·         The provider will verify your transfer and send the VCC data and input instruction to your email.

·         Input its data into your VCC provider and waiting for some days (4-5 days) until releasing 4 digits of code (expuse number) from PayPal.

·         And input again the 4 digits that provider send to you, and finally your status is verified.

How much is the VCC?

The price of the VCC is varies based on the provider. It is about Rp100,000 and more. Usually the provider pricing the VCC proper to the its safe guarantee.

ALL ABOUT ONLINE SHOP

1.  Buka Lapak

                www.bukalapak.com is familiar online shop in Indonesia. It is caused by bukalapak always advertise and promote that make us curious and surprised. Bukalapak is mobile commerce because it gives the mobile access easily every where. Buka Lapak is one of Business to Costumer type of e-commerce (B2C). it meets the seller with the buyer who wanna satisfy their wants or needs.

 The online business model of Buka Lapak is Transaction Broker and Service Provider. When we want to buy product in Buka Lapak it means that we don’t buy the products in Buka Lapak but we buy products in the seller who pay outlet in Buka Lapak. However, from the transaction between buyer and seller in Buka Lapak handled by Buka lapak also.

The seller have to obey to the Buka Lapak terms such as transaction terms, product terms, and procedural of buying terms. That is why Buka Lapak is grouped in Service Provider.

Buka Lapak source of revenues are transaction fee and affiliate. Based on the transaction Buka Lapak will get the fee as a broker. Buka Lapak also get the affiliation from communication provider because it will spend our data or quota when we access it.

Buka Lapak cooperate with some bank for transferring payment, such as BCA Bank, Mandiri Bank, BNI Bank, and BRI Bank.

In delivering product to consumer, Buka Lapak uses some delivery service like JNE Express, TIKI, RPX, POS Indonesia, and SiCepat Express.

For increasing and introducing the consumer to Buka Lapak, the company uses TV media. As we know Buka Lapak has strange advertisement on TV. The watcher will be amused and surprised by its adv. Buka Lapak also advertise its product on some webpage and some social media like facebook, Instagram, Twitter and BBM and in main homepage such as UC Browser.

2. Go Jek

                Go Jek is the pioneer of online shuttle online service in Indonesia. In the beginning it has a problem because the government (transportation ministry) think that it take the rights of independent shuttle service. But finally it is free and the government doesn’t give some punishment to tge Go Jek. It is mobile commerce because we can easily access it from the mobile. As tome goes on Go Jek core business is not only in shuttle online service but also in instant courier, Go Food, and Go mart. All of them are the feature of Go Jek. Instant courier may carry and bring your stuff. You can also order food in some cooperated restaurant and Go Jek will pickit up for you. When you’re lazy for shopping you can ask go jek to do the shopping.

                Go Jek is one of Business to Consumer type of E-Commerce (B2C). it meets the buyer and the seller of shuttle service.

                The e-commerce model of Go Jek is service provider. It provide the us who wanna be shuttle service seller with its own term. So the shuttle service seller is not free to move, it depends on the term. But the payment term is handled by the consumer and the seller. When we use Go Jek service, we pay the service to the seller currently.

                This service online shop has unique, it doesn’t get the revenue from its self and the fee from the transaction. The seller who has outlet in Go Jek will get  full money of the transaction and the seller will get bonus of its target, why? Because Go Jek source of revenue is from the affiliation from communication provider. More transaction from the seller and consumer it will increase the affiliation fee of Go Jek.

                In advertisement Go Jek uses TV media such as TV One, Metro TV etc. Go Jek also uses another media, like BBM, IG, and Twitter.

                Go Jek use direct payment to the involved driver, so it might not need cooperated bank for payment wit its consumer. It may need cooperated bank to do the transaction like bonus and salary between corporation and drive of Go Jek and other employee.

3. Forum Jual Beli  (FJB) in Facebook.

                FJB is an old online shop that utilize the Facebook. Actually facebook is a social media, but the user utilize it by making the group of online shop. The product is varies, new product of electronic, house hold, and ex-product but the core business is ex-product. Usually the product is grouped by its category.

                This type of e-commerce is consumer to consumer (C2C). it meets the consumer who wanna satisfy their wants with consumer who wanna sell their ex-product .

                The core business of facebook is social media, so Forum Jual Beli (FJB) can be called as market creator. Because face book its self doesn’t provide the online shop but the user of facebook creat the online shop by making the online shop group. This content is enthused by the consumer who wanna look for the ex-product and active user of facebook.

                There is no transaction fee, sales revenue or other revenue. But facebook has revenue from advertisement of its core (social media).

                The payment of FJB Facebook is according to both ( buyer and seller ). Commonly when the distance is far or out of region it will be transferred via bank. And when the distance is close and still in region between buyer and seller it allow for cash on delivery. So facebook is only the media to promote the product ( adv media). N

4. Vespa Store

                For scooter fans vespa store provide us for every product of clothing, helmet, vehicle accessories, and vespa. Is addressed on www.vespacrazy.com.  This e-commerce type is business to consumer. The seller make the website to make the scooter fans easy when seeking the scooter product.

                The model of e-commerce is community provider because it provide the scooter fans or scooter community of its community product. So the product category or type is not varies but it is about the scooter or vespa only.

                The source of revenue of this online shop is sales revenue. The seller offer and sale their product by its website. The term of payment and other procedure is determined by the owner or seller.

                Vespa Crazy Ltd is headquartered in WestYorkshire, UK. So in doing international trade it uses shipping service for deliveringthe product.Vespa Crazy Ltd can ship goods worldwide via TNT Post, TNT Express, and FedEx Royal Mail. If we need items in a hurry it can feel free but it will influence the shipping price.

                The payment also require the international banking, they are Pay Pal, Cirrus, Visa, and Discover.

                Its adv doesn’t involve other media, but only via its web page and whistling blow between 

community.

5. Play Store

                Play Store is online store for every application, books, and games provided by Google. This is the most famous online store for the android user (mobile ecommerce). We are often to download the application here. This transaction is virtual. Although commonly the product is free, but If we wanna get the product of play store it means that we have to spend our internet data. Sometimes we have to pay the product. This is business to consumer type (B2C) because it meets the seller and the buyer (smartphone user).

                The e-commerce model is service provide because if we wanna sell our product we have to have the outlet in google play store first and We have to follow and obey with the google’s term.

                The source of revenue is affiliation. Google as a provider of play store will receive the revenue from the communication provider from the internet data expenditure. That is why commonly of play store product is free. The seller will get the revenue of advertisement, that is why if we download free application in play store and operate it we will meet so many advertisement. In-purchase product usually there is no advertisement.

6. Youtube

Youtebe is the most famous as a video provider. We can watch, download, and upload free. we only open www.youtube.com  we can enjoy the youtube content. But if we wanna upload the video we must heve the youtube account. Its model is consumer to consumer (C2C). because we are the watcher and sometime we can be the uploader. This is easy to access by mobile phone or PC.

This models are service provider because youtube determine the product only for video and we are as a uploader must follow the term of youtube.

Its source of revenue is advertisement and subscription. When we open the video in the beginning we will find the advertisement. And more user who subscripe the video it will impact in the revenue.

Most of Play store product are free and invisible product. But for purchase app, play store require some payment method with add credit or debit card, enable cellular billing, and redeem.

Play store uses online advertisement, when we visit the web usually we will find some adv in the beginning or in the end. And some online applications are as a play store adv media.

7. Lazada

                Lazada is one of the familiar online shop, and it is known as the most online shop that is always release the adv on internet and on TV. Lazada addressed on www.lazada.co.id, and it is one of mobile ecommerce because we can access it via mobile. We just download the lazada application in play store.

                Lazada type is business to costumer e-commerce (B2C). because it match the seller and the buyer. The product that offered is varies, lazada has categorized the product into some class. And all of the product are new product.

                e-commerce mode of lazada is service provider because it provide the outlet with its term and privacy. So as a seller we have to obey its term.

                Lazada its self get some revenue  from affiliation. For increasing the visitor and sales, lazada also provide affiliation program for society with the term is 10% for each promo in your web or app.

                Lazada cooperate with some bank BCA, Mandiri, CIMB Niaga, and allow us to transfer via other bank. Lazada also has payment mehode with credit card, Cash on delivery only in big city subsidiary, Hello Pay, and Virtual Account.

                Lazada has expedition partner such as JNE, TIKI, RPX, Pandu Logistic,First Logistic, and NEX Express.

8. Toko Pedia

• ·         Its e-commerce type is Business to Consumer (B2C) and Business to business (B2B)
• ·         Toko Pedia models of e-commerce is content provider.
• ·         The revenue is from advertising and affiliate.
• ·         For the expedition Toko Pedia has some partner such as Wahana, Tiki, JNE, Kantor Pos, Cash on Delivery.
• ·         To support the payment it cooperate with some bank like BCA, Visa, Mastercard, BRI, Mandiri.

9. Blibli

• ·         The website is www.blibli.com
• ·         The e-commerce models is content provider
• ·         The e-commerce type is business to consumer and C2C (consumer to Consumer)
• ·         Its revenue is from sales and advertising.
• ·         To deliver the item Blibli has partner expedition with JNE, NCS, RPX.
• ·         Blibli cooperate with some bank for the payment BCA, BNI, Mandiri, Paninbank, BRI,Visa, Mastercard (transfer or credit)

10. OLX

• ·         The website is www.olx.co.id
• ·         The e-commerce type is consumer to consumer (C2C) and Business to Consumer (B2C).
• ·         The e-commerce models is content provider and market creator.
• ·         The revenue is from adv and affiliate.
• ·         the expedition partner is depend on the agreement.
• ·         Bank cooperations aredepend on the buyer and seller.

11. Zalora

• ·         The website is www.zalora.co.id
• ·         The e-commerce type is consumer to consumer (C2C) and Business to Consumer (B2C).
• ·         The e-commerce models is content provider.
• ·         The revenue is from adv and affiliate and sales.
• ·         the expedition partners are ZDEX Pandu Logistics, RPX, Cash on Delivery, JNE, First Logistic.
• ·         Bank cooperations are Mastercard, Visa, BCA, BRI, Mandiri, BNI.

12. Tiket.com

• ·         The website is www.tiket.com
• ·         The e-commerce type is Business to Consumer (B2C).
• ·         The e-commerce models is Transaction broker and e-tailer
• ·         The revenue is from adv, sales and affiliate with some retailer store.
• ·         the expedition partner is unknown because it is only the ticket and we will receive the struck for exchanging in official institution such as Train Station, airport, and bus station.
• ·         Bank cooperations are BCA, CimbNiaga, PermataBank, ANZ, BNI, Mandiri, Visa, Mastercard. sometime we can pay cash when bu in the retailer store.

13. Matahari Mall

• ·         The website is www.mataharimall.com
• ·         The e-commerce type is Business to Consumer (B2C).
• ·         The e-commerce models is service  provider.
• ·         The revenue is from sales.
• ·         the expedition partners are JNE and exactly Cash on Delivery.
• ·         Bank cooperations are Mastercard, Visa, BCA,and  BRI.

14. Traveloka

• ·         The website is www.traveloka.com
• ·         The e-commerce type is Business to Consumer (B2C).
• ·         The e-commerce models is transaction broker and e-tailer.
• ·         The revenue is from affiliate and transaction fee.
• ·         the expedition partner is nothing
• ·         Bank cooperations are Mandiri, BCA, BNI, and BRI.

15. Rumah

• ·         The website is www.rumah.com
• ·         The e-commerce type is Business to Consumer (B2C).
• ·         The e-commerce models is service  provider and transaction broker.
• ·         The revenue is from sales.
• ·         the payment method is in place payment.
• ·         Bank cooperations are Permata Bank, Panin, BII and BNI.

16. Rumah123

• ·         The website is www.rumah123.com
• ·         The e-commerce type is Business to Consumer (B2C).
• ·         The e-commerce models is transaction broker and e-tailer.
• ·         The revenue is from affiliate and transaction fee.
• ·         the expedition partner is nothing
• ·         Bank cooperations are ICB Bank.

17. Click Bank

• ·         The website is www.clickbank.com
• ·         The e-commerce type is consumer to Consumer (C2C).
• ·         The e-commerce models is transaction broker.
• ·         The revenue is from affiliate.
• ·         the expedition partner is nothing
• ·         Bank cooperations are checkI.

18. Carmudi

• ·         The website is www.carmudi.co.id
• ·         The e-commerce type is Business to Consumer (B2C) and consumer to consumer (C2C).
• ·         The e-commerce models are content provider and service provider.
• ·         The revenue is from affiliate.
• ·         the payment method is direct method.
• ·         Bank cooperations are Mandiri, Bank Mega and BRI.

19. Jualo

• ·         The website is www.jualo.com 
• ·         The e-commerce type is Consumer  to Consumer (C2C).
• ·         The e-commerce models is content provider and market creator.
• ·         The revenue is from affiliate.
• ·         the expedition partner is JNE, TIKI, and Cash On Delivery.
• ·         Bank cooperations are BRI.

20. Grivy

• ·         The website is www.grivy.com
• ·         The e-commerce type is Business to Consumer (B2C).
• ·         The e-commerce models is transaction broker and e-tailer.
• ·         The revenue is from affiliate and transaction fee.
• ·         the expedition partner is nothing
• ·         Bank cooperations are Mandiri, BCA, BNI,CIMB Niaga, BII, and BRI.

21. Dinomaket

• ·         The website is www.dinomarket.com
• ·         The e-commerce type is Business to Consumer (B2C).
• ·         The e-commerce models is transaction broker and service provider.
• ·         The revenue is from sales.
• ·         the expedition partner are JNE, and Cash on Delivery.
• ·         Bank cooperations are Mandiri, BCA, visa, master card and BRI.

22. Blanja

• ·         The website is www.blanja.com
• ·         The e-commerce type is Business to Consumer (B2C) and consumer to consumer (C2C).
• ·         The e-commerce models is transaction broker and service provider.
• ·         The revenue is from affiliate and sales.
• ·         the expedition partner are First Logistics, J&T Express, JNE, Cash on Delivery.
• ·         Bank cooperations are Mandiri, BCA, master card, Cirrus and BRI.

23. Berrybenka

• ·         The website is www.berrybenka.com
• ·         The e-commerce type is Business to Consumer (B2C).
• ·         The e-commerce models is transaction broker and service provider.
• ·         The revenue is from sales.
• ·         the expedition partner are First Logistics, J&T Express, JNE, Cash on Delivery.
• ·         Bank cooperations are Mandiri, BCA, master card, Cirrus and BRI.

24. Lamudi

• ·         The website is www.lamudi.co.id
• ·         The e-commerce type is Business to Consumer (B2C )and consumer to consumer (C2C).
• ·         The e-commerce models is transaction broker.
• ·         The revenue is from sales and affiliate
• ·         the payment of lamudi is on the place payment.
• ·         Bank cooperations are BTN Bank.

25. bobobobo

• ·         The website is www.bobobobo.com
• ·         The e-commerce type is Business to Consumer (B2C).
• ·         The e-commerce models is transaction broker, e-tailer and service provider.
• ·         The revenue is from sales.
• ·         the expedition partner are TIKI, RPX, JNE, Cash on Delivery.
• ·         Bank cooperations are Mandiri, BCA, master card, Cirrus and BRI.

26. Bilna

• ·         The website is www.bilna.com
• ·         The e-commerce type is Business to Consumer (B2C).
• ·         The e-commerce models is transaction broker and service provider.
• ·         The revenue is from sales.
• ·         the expedition partner are First Logistic, SAP, JNE, Cash on Delivery.
• ·         Bank cooperations are Mandiri, BCA, master card and Visa.

27. Ratuken

• ·         The website is www.ratuken.co.id
• ·         The e-commerce type is Business to Consumer (B2C).
• ·         The e-commerce models is transaction broker and service provider.
• ·         The revenue is from sales.
• ·         the expedition partner are JNE, RPX, ARAKA, Cash on Delivery.
• ·         Bank cooperations are Mandiri, BCA, master card and Visa

28. Qoo10

• ·         The website is www.qoo10.co.id
• ·         The e-commerce type is Business to Consumer (B2C).
• ·         The e-commerce models is transaction broker and service provider.
• ·         The revenue is from sales.
• ·         the expedition partner are JNE,TIKI,and  Cash on Delivery.
• ·         Bank cooperations are Mandiri, BCA, master card, Cirrus, and BNI.

29. Ebay

• ·         The website is www.ebay.com
• ·         The e-commerce type is Business to Consumer (B2C) and consumer to consumer (C2C).
• ·         The e-commerce models is content provider.
• ·         The revenue is from salesand affiliation.
• ·         the expedition partner are Cargo.
• ·         Bank cooperations are paypall.

30. Shopee

• ·         The website is www.shopee.com
• ·         The e-commerce type is Business to Consumer (B2C).
• ·         The e-commerce models is transaction broker and service provider.
• ·         The revenue is from affiliation.
• ·         the expedition partne is JNE.
• ·         Bank cooperations are Mandiri, BCA,BRI and BNI.