In P2P, you need to look at 2 different perspectives for every transactions or interaction
1 is between 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
1 is between 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
Action | Non-P2P | P2P |
Topup online to B3 | B3 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) |
Topup online to Partner | NA | B3 helps the partner to issue credits to the customer (automatic) |
Topup offline to B3 | B3 issues credits to the customer wallet directly (manual) | B3 issues credits to the partner and the partner issues credits to the customer (manual) |
Topup offline to Partner | Partner transfer points from their own wallet to the customer wallet (manual) | Partner issue credits to the customer directly (manual) |
Subscribe
Non-P2P
- 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 subscription
P2P
Customers’ points will be deducted by the price of the subscription
Partners’ 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. With P2P,
Transactions | Customer Balance | Partner Balance |
Start | $0 | $300 |
Customer top-ups $100 online which pays B3 via 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 |