In terms of the P2P model, you need to look at 2 different perspectives for every transactions or interaction:Partner – Customer: Represented by the Customer Balance

  • If the value is positive (+): the partner owes the customer 
  • If the value is negative (-): the customer owes the partner

B3 – Partner: Represented by the Partner Balance

  • If the value is positive (+): B3 owes the partner
  • If the value is negative (-): The partner owes B3

Top-up

ActionNon – P2PP2P
Top-up Online to B3B3 issues credits to the customer wallet directly. (automatic)B3 issues credits to the partner, and helps the partner to issue credits to their customer. (automatic)
Top-up Online to PartnerN/AB3 helps the partner to issue credits to the customer. (automatic)
Top-up Offline to B3B3 issues credits to the customer wallet directly. (manual)B3 issues credits to the partner and the partner issues credits to the customer.(manual)
Top-up Offline to PartnerPartner transfer points from their own wallet to the customer wallet. (manual)Partner issue credits to the customer directly. (manual)

Subscribe

Non – P2PP2P
Customers’ points will be deducted by the price of the subscription.Customers’ points will be deducted by the price of the subscription.
Partners’ points will be deducted by the cost of the subscription and added by the price of the subscriptionPartners’ points will be deducted by the cost of the subscription.

Scenario examples

Let’s use the following scenario examples to understand more on how P2P changes the current operations.

TransactionCustomer BalancePartner Balance
Start$0$300
Customer top-up $100 online via B3 Stripe$100$400
Customer purchases app for $100(Partner’s cost is $80)$0$320
Customer top-ups $150 directly to the Partner (either manual or online using partner’s payment gateway)$150$320
Customer makes a call for $1 (Partner’s cost is $0.8)$149$319.2
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