GTM Strategies
Go-to-market strategies and business models supported by M2P Prepaid Platform for different market segments.
M2P Prepaid Platform supports multiple business models to address diverse market segments. Each model is backed by configurable product types, fee structures, and issuance workflows.
Bank-Issued Prepaid Programs
GPR Cards
Multi-purpose prepaid cards for retail banking and payroll.
Gift Cards
Closed and semi-closed gift card programs.
Travel Cards
Multi-currency forex cards for international travel.
Government Subsidy Cards
Direct Benefit Transfer (DBT) programs.
Target: Commercial banks, cooperative banks, small finance banks
Value Proposition:
- 4–8 week time-to-market vs. 6–12 months in-house
- Lower upfront investment (SaaS model)
- Regulatory compliance out-of-the-box
- Complete card lifecycle management
Corporate Expense Management
Target: Large enterprises, SMEs, startups
| Use Case | Description |
|---|---|
| Employee Expense Cards | Controlled spending with hierarchical limits |
| Travel & Entertainment | Business travel expense management |
| Petty Cash Replacement | Digital alternative to cash advances |
| Vendor Payments | Controlled vendor payment cards |
| Project-Specific Cards | Budget-controlled project expenses |
Key Features:
- Real-time expense tracking and reconciliation
- Hierarchical controls (Company → Department → Employee)
- MCC-based spend category controls
- ERP integration capability (SAP, Oracle, Tally)
Brand Closed-Loop Wallets
Target: Retail brands, e-commerce platforms, QSR chains, marketplaces
| Model | Use Cases |
|---|---|
| Brand Wallets | Store value within brand ecosystem, loyalty integration, gift balances |
| Marketplace Wallets | Multi-merchant acceptance, faster checkout, refund management |
| QSR / Retail Chains | Quick POS payments, QR code integration, loyalty points |
Regulatory Model: Closed PPI — minimal KYC, no cash withdrawal, simplified compliance.
Fintech & Neobank Programs
Target: Digital banks, payment apps, fintech startups
| Use Case | Description |
|---|---|
| Digital-First Accounts | Prepaid as checking account alternative |
| Teen & Student Accounts | Controlled spending for minors |
| Underbanked Segments | Financial inclusion programs |
| Remittance Receivers | Cross-border remittance cards |
| Gig Economy Workers | Instant payout cards |
Key Features: API-first architecture, instant virtual card issuance, mobile-first UX, real-time notifications.
Government & Social Programs
Target: Government entities, NGOs, social enterprises
| Program | Description |
|---|---|
| Direct Benefit Transfer | Subsidy disbursement (LPG, food, pensions) |
| Employment Schemes | Rural employment scheme payments |
| Scholarships | Student scholarship card distribution |
| Emergency Relief | Disaster relief fund distribution |
Key Features: Bulk issuance, low/no KYC options, wide acceptor network (POS, e-com, ATM).
Forex & Travel Cards
Target: Travel agencies, forex dealers, banks
| Use Case | Description |
|---|---|
| Multi-Currency Travel | Load up to 15 foreign currencies |
| Student Forex | Education abroad expenses |
| Business Travel | Corporate international travel cards |
| Medical Travel | Healthcare abroad |
Key Features: Multi-currency wallets, competitive FX rates, FEMA / LRS compliance, Form A2 generation, global ATM acceptance.