# PayWise — Meeting Notes Synthesis

**Source transcripts** (`Brands/PayWise/01_knowledge_base/research-and-notes/`):
1. Island Finance Changes — Ian Alleyne (PayWise) & Pablo Esparza Jimenez (Coordenadas)
2. Merchandising Rollout — Ian Alleyne & Pablo Esparza Jimenez
3. Strategy Meeting: Pharmacy Outreach & Storefront Agents — Aug 10, Ian Alleyne & Pablo Esparza Jimenez (~76 min)

Organized by theme below. Owner tags: **[Coordenadas]** = Pablo/team to execute, **[PayWise]** = Ian/Simone/PayWise side, **[Joint/Undecided]** = needs a decision before it's actionable.

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## 1. Island Finance (loan payments) rollout

**Context:** Island Finance was added as a payable in the app/website (Financial Services > Island Finance). Card payments for loans go through a different processor than utilities (no card-saving yet; card-saving for loans coming in ~3 months with a new provider). Customer bill number must be 8 digits.

**Agreements**
- Add the Island Finance logo to the pay-bills landing page (approved, to be added after everything else is signed off).
- Marketing angle: position against the competitor's slow payouts *without* naming them directly. Caption direction: "Get real-time payments with PayWise."
  - Real breakdown to use in the ad/explainer: card payments hold 2 days for bank clearing; cash-at-agent and wallet-to-wallet are instant. Competitor reportedly takes 7–10 days.
  - The public post stays vague/teasing; full explanation happens when a prospect calls in.

**Tasks**
- **[Coordenadas]** Record a full walkthrough/demo video of the Island Finance payment flow (Pablo started this during the call).
- **[Coordenadas]** Finalize the "real-time payments" post copy/caption — coordinate with Phil.
- **[PayWise]** Ian to loop in Phil to refine and approve the final caption.

**Ideas (not yet decided)**
- Billboard advertising on the highway (~US$20–24k/year). Ian floated going directly to a property owner for ~$5–7k instead of a full agency buy — no decision made.

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## 2. Merchandising & agent onboarding program

**Context:** Onboarding flow has two people: a "closer" who signs the merchant up and gets a fast yes, and a second person who handles actual data entry/onboarding. Coordenadas' job is the collateral and materials both roles carry.

**Agreements**
- Deliverables owned by Coordenadas:
  - **PayWise agent package** — merch, signage, printed posts, brand kit (web + logos), plus a new **PayWise badge** design.
  - Social/promo posts merchants can download and post themselves (already partly live in the Marketing Hub, same pattern as the bill-logo downloads).
  - Short lead-capture **form** (not the full onboarding form) so the closer can get a fast "yes" in the field.
  - A tablet-ready "portfolio" for the second (onboarding) person: photos of the merchant's storefront with signage mocked up digitally (no need to print), plus a few pages showing the other merch/stickers available.
  - A physical **welcome/care package** (Pablo will design), sent **after** the merchant has signed the agreement and made the $2,000 deposit — meant to feel premium, not "run of the mill," to match PayWise's shift toward a more sophisticated agent base.
- Documents/KYC is handled through a simple upload-only web portal (no validation at upload) — frontend nearly done at the time of this call, backend being wired up.
- Co-branded/joint marketing with an individual agent gets billed as "presented through PayWise" (keep it feeling like one brand), with pricing negotiated case by case — Pablo proposes, Ian confirms.
- Damaged/discolored signage replacement: Coordenadas (Pablo) can handle redesign/reprint since he holds the files — needs one clarification: does the request route through Pablo directly or through the onboarding person first.
- Marketing cadence for individual agents: general/location-based marketing initially; once volume is established, run recurring blasts every 2–3 months, monitored against transaction volume per agent.
- Timing pattern for bill-payment marketing pushes: last week of the current month + first week of the next (paycheck-driven bill-pay timing).

**Tasks**
- **[Coordenadas]** Design the PayWise agent package (merch/signage/posts/badge/brand kit).
- **[Coordenadas]** Build the short lead-capture form for the field agent (separate from the full onboarding form).
- **[Coordenadas]** Build the tablet portfolio: storefront-mockup generator + merch showcase pages.
- **[Coordenadas]** Design the physical welcome/care package (reference: the "purple box" unboxing example Pablo shared).
- **[Coordenadas]** Set up a CRM sales pipeline for agent acquisition — likely two stages/pipelines: (1) first-contact/closer tracking leads to "yes," (2) onboarding. Pablo to design and confirm with Ian.
- **[Coordenadas]** Reach out to the gig-economy delivery business owner (Ian to supply her email) to propose a case study: interview + write-up to show other prospects "how this business grows with PayWise."
- **[PayWise]** Ian to give Pablo the delivery-company owner's email/contact.
- **[Joint]** Decide whether social posts about a new agent go out from PayWise's own account, get sent to the merchant to post, or become a co-branded collab post — options were surfaced, no final rule set (case-by-case per merchant's Instagram situation).

**Ideas / exploratory**
- New business vertical: a delivery/rideshare startup (~15–17 drivers) where PayWise wallets are mandatory for all drivers to receive payouts and pay a 35% commission back through the wallet. Ian wants to actively court this account and consider waiving the bulk bill-payment fee in appreciation for the volume she brings.
  - Related idea: partner with a few gas stations (East-West corridor) to accept PayWise wallet payments directly, so drivers/wallet holders have somewhere to spend balances without cashing out — flagged as "something we have to work on," no owner/timeline yet.
- Break the "need to transfer wallet balance to a bank account" habit by giving people more places to actually *spend* from the wallet (ties to the gas-station idea above).

**Goal**
- PayWise's stated target: **400 new agents by end of year** — described by Ian as "a tall order."

---

## 3. Pharmacy outreach campaign (Aug 10 strategy meeting)

**Agreements**
- Outreach email template (pharmacy version) is reusable — swap "pharmacy" for any other vertical/business type.
- Lead sources:
  - A list of **292 local pharmacies** (Simone compiling; some entries missing emails).
  - **TOP** (association for retired persons, 50+) — lists ~700 partner businesses (incl. pharmacies) that already offer member discounts, so they're pre-warmed to caring about attracting more customers.
- Email deliverability rule: **never bulk-send from the main paywise.com domain to unverified/never-subscribed addresses** — blacklist risk. Manual small batches from a personal inbox are fine for testing (Ian already sent ~6). For real volume, use the email platform's subdomain (e.g. `send.paywise.com`) as the sender.
- Simone follows up with phone calls after each email batch goes out.
- Landing page for agents: light contact form only (name, email, phone) to capture the lead fast; the full onboarding form/data entry stays with Simone, not on this page.

**Tasks**
- **[Coordenadas]** Build the agent-focused landing page (bill-payments angle) to link from outreach emails — Pablo committed to a first version "tomorrow," to be refined afterward.
- **[Coordenadas]** Give Simone platform access to the email tool so she can see send/click/bounce metrics.
- **[Coordenadas]** Finish the remaining email signatures (Simone Jack's is done; others pending).
- **[Coordenadas]** Once Ian sends the current agent list, tag those contacts as "agents" in the email platform audience (currently only tagged personal/business).
- **[PayWise]** Ian/Simone to keep building the pharmacy list and pull the TOP business list (phone + email).
- **[PayWise]** Ian to send Pablo the current agent list for newsletter tagging.
- **[PayWise]** Pablo to reach out personally to a pharmacy contact he knows, and send the outreach PowerPoint.

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## 4. Agent/user newsletter

**Agreement**
- Recurring newsletter, one feature at a time, short (2–3 min read), cadence weekly or bi-weekly — kept deliberately light so it's fully read in one sitting rather than saved "for later."

**Task**
- **[PayWise]** Send Pablo the list of current agents to tag for the newsletter audience (blocking item — see §3).

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## 5. App improvements (sourced from Ian's user calls)

**Agreements / requests to build**
- Bring the **one-time payment link** into the app (currently only the permanent link is in-app; the one-time link only exists on the website — inconsistent, should be fixed).
- Add the **agent list link to email footers** (payment-confirmation emails) so users can always find the latest agent list.
- Add **tutorial videos** inside the app.
- Add a **downloadable PDF** of the agent list (in addition to in-app viewing).
- Rework the home page:
  - Short-term simple fix suggested by Pablo: 3 columns, smaller icons (bill-pay button currently barely visible despite driving 1–2 extra signups/week since being added).
  - Longer-term: user-personalizable home page — pick favorite service icons, capped at **2 rows × 4 columns (max 6–8 icons; landed on 6)**. Pablo to prototype first, then review options with developers before committing (counts as new functionality).
- "Ask AI" help icon: tap-to-chat FAQ bot using prepared/quick-reply-style answers, similar to the quick-replies feature already live in support (Ian already has ~20 canned replies there).

**Tasks**
- **[PayWise]** Send Pablo a screenshot of the current app home page (Pablo can't access the PayWise app directly — not downloadable in Colombia).
- **[Coordenadas]** Prototype the personalizable home page (icon grid) for Ian's review before developer handoff.
- **[Joint]** Scope and prioritize the "Ask AI" FAQ bot — idea only, no build commitment yet.

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## 6. Website home page — carousel

**Agreement**
- After Island Finance materials are finalized, rebuild the website home page with a rotating carousel, **max 4 slides**:
  1. Individuals — pay bills.
  2. Agents — "3x more traffic" message + agent map/coverage + join-network CTA (cash or card payments).
  3. Merchants — online payments + cash payments + settlement within 3 business days.
  4. Featured topic slot — rotates by campaign (e.g. Island Finance "this season").
- Keep the existing contact form (name, email, phone) on this page — the old site's version generated ~10,000 contacts over 3–4 years, so don't drop it.

**Task**
- **[Coordenadas]** Build the 4-slide carousel once Island Finance work wraps.

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## 7. Web registration form (KYC sandbox)

**Agreements**
- New web-based signup form (full KYC: documents, ID, selfie — supports phone photo upload) targets people who fail to complete signup via the app, or who prefer desktop, especially companies (find mobile entry tedious).
- Target: live by **end of week** (as of the Aug 10 meeting).
- After a user submits contact info, consider offering a "Register now?" follow-up step, or send them the onboarding link directly, rather than requiring a second visit.

**Tasks**
- **[PayWise]** Finish backend wiring for the registration form; get it live and linked from the website.
- **[Coordenadas]** Once live, link it from the website and reference it in support responses for users who report app signup issues.

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## 8. Signage

**Status:** Signage has arrived; rollout scheduled over the following two weeks, plus additional visibility efforts.

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## 9. Halo Place (client site — adjacent project, not PayWise-branded)

**Delivered**
- Tutorial set + demo video (customer journey + admin/order-processing journey).
- CRM (Canvas) integration: purchases, form messages, and chat messages auto-create a contact with full name, email, phone, adult/child count, check-in/out dates, order ID, and amount. Logins sent to the client.
- Airbnb/booking.com calendar sync scoped (simple URL exchange) — pending execution.

**Open tasks — [Coordenadas]**
- Finish and test automated check-in/checkout reminder notifications (3 days before, day before, etc.) — date field was stored as text, fixed to proper date format Sunday night; still needs a live test.
- Fix checkout UI: customer-entered text renders too close to field labels (Ian saw this in Chrome) — check other browsers to confirm it's not global.
- Show clear US$ / TT$ currency prefixes on checkout totals (foreign cardholders need to know what currency is hitting their card) — likely requires editing plugin files directly; document every change so it can be handed to the plugin's official developer (risk: plugin updates could overwrite local edits).
- Change "Browse [Bros] Store" wording to "Browse Website."
- Remove the cash-on-delivery option (currently left on for testing only) once the client confirms whether she wants cash, or card/wallet only.
- Ask the client directly: cash or card/wallet at checkout?
- Photo retouching pass: greener grass (currently yellowish), remove electrical lines/poles from two scenic shots, remove the galvanized roofing element, remove a stray item on the car-park floor, remove paper on the porch floor, remove the prominent soap bottle in the appliance shot, fix a duplicated photo (foot), check the gallery for broken image links.
- Meet with Diego to report photo-editing progress.

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## Open decisions log (nothing scheduled until PayWise/Coordenadas pick one)

| Decision needed | Raised by | Notes |
|---|---|---|
| Billboard ad spend (~$20–24k/yr agency vs. ~$5–7k direct-to-owner) | Ian | No budget commitment made |
| "Ask AI" FAQ chatbot — build or shelve | Pablo | Ian reacted positively, not scoped |
| Gas-station wallet acceptance partnership | Ian | Tied to the delivery-company account, no timeline |
| Who signage-replacement requests route through (Pablo directly vs. onboarding rep first) | Pablo | Needs a simple process answer from Ian |
| Cash-on-delivery vs. card/wallet-only for Halo Place checkout | Ian, re: client | Waiting on the client's answer |