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Prepaid benefits: 4 sources of revenue for profitability<br />
#2 – Merchant fees<br />
Merchant Fee* = 3.1%<br />
Vouchers are redeemed<br />
by Accor at 96.9%<br />
of face value<br />
*Average merchant fee = revenue/issue volume<br />
Merchant fees depend on the acceptance network<br />
14<br />
Refund claim<br />
MERCHANTS<br />
Filtered acceptance network<br />
1 million affiliates of Accor Services<br />
(restaurant owners, supermarkets,etc)<br />
Use<br />
CORPORATE EMPLOYEES<br />
End Users<br />
30 million users<br />
Prepaid Services Offering<br />
(Design, Management)<br />
CORPORATE CLIENTS<br />
BtoB Market<br />
430,000 companies<br />
Distribution
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