Pine Labs ListedUnicorn
Pine Labs: Business Model Canvas
The nine-block Business Model Canvas, filled in only where a public source states it — empty blocks mean we haven't found a citable fact yet, not that the answer is zero.
Value Propositions
Pine Labs acts as a digital funnel between the merchant and the banks, enabling merchants to consolidate multiple acquirers on to a single platform which is integrated within their billing software.
sourceCustomer Segments
9.2 Lakh merchants... using its products; examples cited include DMart, Lifestyle, Samsung, Flipkart
source164 financial institutions using its products; examples cited include SBI Payments, ICICI Bank, American Express
sourceCustomer Relationships
Channels
For every payment made via its point-of-sale (POS) devices, the business charges a transaction fee.
sourceTransaction fees of 1% to 3% based on the merchant's pricing strategy, plus setup and annual maintenance fees.
sourceKey Activities
Key Resources
Key Partnerships
Mastercard and Pine Labs partnered to expand a "pay later" instalment solution to five Southeast Asian markets in early 2021.
sourceRevenue Streams
In-store payments earn subscription fees based on the number of devices; online payments earn a fee from merchants calculated based on the value of transactions.
sourcePine Labs primarily earns processing fees based on GTV (gross transaction value) processed or distributed through its platform.
sourceCost Structure
FAQs on Pine Labs
What is Pine Labs's business model?
Pine Labs's core value proposition centers on Digital funnel between merchants and banks.
How does Pine Labs make money?
Pine Labs's cited revenue streams include Digital Infrastructure & Transaction Platform, Issuing & Acquiring Platform.